Home > Peoples Bank & Trust Co. > Performance and Condition Ratios
Peoples Bank & Trust Co., 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 | 4.9725% | 2,126 |
| Cost of funding earning assets | 1.5822% | 1,737 |
| Net interest margin | 3.3904% | 2,423 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.3363% | 2,756 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 1.4302% | 1,157 |
| Return on assets (ROA) | 1.4361% | 1,115 |
| Pretax return on assets | 1.4361% | 1,556 |
| Return on Equity (ROE) | 21.7100% | 478 |
| Retained earnings to average equity (ytd only) | 10.8542% | 827 |
| Net charge-offs to loans | -0.0185% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.1433% | 2,714 |
| Assets per employee ($millions) | 6.6586% | 2,298 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,293 |
| Loan loss allowance to noncurrent loans | 1,998.7448% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,472 |
| Noncurrent loans to loans | 0.0601% | 3,289 |
| Net loans and leases to total assets | 48.8000% | 3,673 |
| Net loans and leases to deposits | 55.1838% | 3,746 |
| Net loans and leases to core deposits | 60.1353% | 3,759 |
| Total domestic deposits to total assets | 88.4400% | 1,221 |
| Equity capital to assets | 6.9806% | 3,946 |
| Core capital (leverage) ratio | 9.9684% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1568% | 2,192 |
| Memoranda: | ||
| Average total assets | $752,016,400 | 1,238 |
| Average earning assets | $700,988,600 | 1,228 |
| Average equity | $49,750,200 | 1,615 |
| Average total loans | $383,888,200 | 1,515 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 1,952 |
| Cost of funding earning assets | 1.4701% | 1,686 |
| Net interest margin | 3.4784% | 2,258 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4229% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3750% | 1,375 |
| Return on assets (ROA) | 1.3829% | 1,344 |
| Pretax return on assets | 1.3829% | 1,813 |
| Return on Equity (ROE) | 21.2200% | 619 |
| Retained earnings to average equity (ytd only) | 13.7438% | 708 |
| Net charge-offs to loans | -0.0193% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.7958% | 2,523 |
| Assets per employee ($millions) | 5.9689% | 2,791 |
| Cash dividends to net income (ytd only)* | 35.2434% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 1,627 |
| Loan loss allowance to noncurrent loans | 1,644.3750% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,366 |
| Noncurrent loans to loans | 0.0826% | 3,170 |
| Net loans and leases to total assets | 52.4700% | 3,461 |
| Net loans and leases to deposits | 59.4067% | 3,538 |
| Net loans and leases to core deposits | 62.2638% | 3,604 |
| Total domestic deposits to total assets | 88.3200% | 1,468 |
| Equity capital to assets | 6.3648% | 3,870 |
| Core capital (leverage) ratio | 10.1009% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5692% | 2,052 |
| Memoranda: | ||
| Average total assets | $738,598,000 | 1,256 |
| Average earning assets | $688,272,000 | 1,250 |
| Average equity | $48,127,250 | 1,640 |
| Average total loans | $380,365,750 | 1,522 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 2,020 |
| Cost of funding earning assets | 1.3575% | 1,563 |
| Net interest margin | 3.4301% | 2,445 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.4453% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3260% | 1,499 |
| Return on assets (ROA) | 1.3382% | 1,461 |
| Pretax return on assets | 1.3382% | 1,966 |
| Return on Equity (ROE) | 20.3800% | 669 |
| Retained earnings to average equity (ytd only) | 12.9926% | 809 |
| Net charge-offs to loans | -0.0259% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8396% | 2,393 |
| Assets per employee ($millions) | 5.7533% | 2,922 |
| Cash dividends to net income (ytd only)* | 36.2538% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,476 |
| Loan loss allowance to noncurrent loans | 497.7798% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,526 |
| Noncurrent loans to loans | 0.2840% | 2,128 |
| Net loans and leases to total assets | 50.5600% | 3,518 |
| Net loans and leases to deposits | 55.2651% | 3,683 |
| Net loans and leases to core deposits | 57.5369% | 3,737 |
| Total domestic deposits to total assets | 91.4900% | 510 |
| Equity capital to assets | 6.7666% | 3,893 |
| Core capital (leverage) ratio | 10.3235% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9211% | 1,933 |
| Memoranda: | ||
| Average total assets | $742,061,667 | 1,246 |
| Average earning assets | $690,950,667 | 1,238 |
| Average equity | $48,720,000 | 1,629 |
| Average total loans | $378,040,667 | 1,517 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 2,226 |
| Cost of funding earning assets | 1.1873% | 1,485 |
| Net interest margin | 3.3510% | 2,750 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.4183% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3089% | 1,646 |
| Return on assets (ROA) | 1.3331% | 1,554 |
| Pretax return on assets | 1.3331% | 2,079 |
| Return on Equity (ROE) | 20.6200% | 695 |
| Retained earnings to average equity (ytd only) | 13.1165% | 1,072 |
| Net charge-offs to loans | -0.0372% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.8828% | 2,344 |
| Assets per employee ($millions) | 5.8642% | 2,884 |
| Cash dividends to net income (ytd only)* | 36.3930% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 1,465 |
| Loan loss allowance to noncurrent loans | 333.5612% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,045 |
| Noncurrent loans to loans | 0.4311% | 1,640 |
| Net loans and leases to total assets | 49.7800% | 3,510 |
| Net loans and leases to deposits | 54.3854% | 3,661 |
| Net loans and leases to core deposits | 56.2558% | 3,727 |
| Total domestic deposits to total assets | 91.5300% | 642 |
| Equity capital to assets | 6.8256% | 3,898 |
| Core capital (leverage) ratio | 9.7350% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8042% | 2,047 |
| Memoranda: | ||
| Average total assets | $742,004,000 | 1,263 |
| Average earning assets | $690,308,000 | 1,256 |
| Average equity | $47,970,000 | 1,660 |
| Average total loans | $376,749,000 | 1,533 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 2,710 |
| Cost of funding earning assets | 0.4736% | 1,560 |
| Net interest margin | 3.1555% | 3,005 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.1390% | 3,198 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.4581% | 988 |
| Return on assets (ROA) | 1.4301% | 1,014 |
| Pretax return on assets | 1.4301% | 1,687 |
| Return on Equity (ROE) | 18.6200% | 617 |
| Retained earnings to average equity (ytd only) | 4.0086% | 3,393 |
| Net charge-offs to loans | -0.0404% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5807% | 2,976 |
| Assets per employee ($millions) | 5.8213% | 2,929 |
| Cash dividends to net income (ytd only)* | 78.4662% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,494 |
| Loan loss allowance to noncurrent loans | 311.9953% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 1,997 |
| Noncurrent loans to loans | 0.4494% | 1,586 |
| Net loans and leases to total assets | 50.3200% | 3,479 |
| Net loans and leases to deposits | 53.6911% | 3,694 |
| Net loans and leases to core deposits | 54.6462% | 3,783 |
| Total domestic deposits to total assets | 93.7300% | 273 |
| Equity capital to assets | 6.1073% | 4,051 |
| Core capital (leverage) ratio | 9.6448% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3223% | 2,227 |
| Memoranda: | ||
| Average total assets | $754,962,600 | 1,238 |
| Average earning assets | $707,146,400 | 1,227 |
| Average equity | $58,000,400 | 1,442 |
| Average total loans | $360,989,400 | 1,511 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 2,934 |
| Cost of funding earning assets | 0.3854% | 1,397 |
| Net interest margin | 3.0095% | 3,197 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.1537% | 3,063 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.3459% | 1,218 |
| Return on assets (ROA) | 1.3459% | 1,198 |
| Pretax return on assets | 1.3459% | 1,903 |
| Return on Equity (ROE) | 16.6800% | 859 |
| Retained earnings to average equity (ytd only) | 12.7520% | 650 |
| Net charge-offs to loans | -0.0371% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.1288% | 2,669 |
| Assets per employee ($millions) | 5.7689% | 2,969 |
| Cash dividends to net income (ytd only)* | 23.5417% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,506 |
| Loan loss allowance to noncurrent loans | 1,822.4138% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,526 |
| Noncurrent loans to loans | 0.0785% | 3,312 |
| Net loans and leases to total assets | 48.5700% | 3,573 |
| Net loans and leases to deposits | 52.1041% | 3,722 |
| Net loans and leases to core deposits | 52.9483% | 3,811 |
| Total domestic deposits to total assets | 93.2200% | 521 |
| Equity capital to assets | 6.3658% | 3,809 |
| Core capital (leverage) ratio | 9.8956% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3043% | 1,935 |
| Memoranda: | ||
| Average total assets | $757,422,500 | 1,239 |
| Average earning assets | $711,370,000 | 1,226 |
| Average equity | $61,123,750 | 1,403 |
| Average total loans | $356,161,250 | 1,517 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 3,032 |
| Cost of funding earning assets | 0.3477% | 1,286 |
| Net interest margin | 2.8562% | 3,276 |
| Noninterest income to average assets | 0.5593% | 1,906 |
| Noninterest expense to average assets | 2.2124% | 2,812 |
| Loan and lease loss provision to assets | -0.1316% | 4,633 |
| Net operating income to assets | 1.1683% | 1,544 |
| Return on assets (ROA) | 1.1683% | 1,518 |
| Pretax return on assets | 1.1683% | 2,178 |
| Return on Equity (ROE) | 13.5367% | 1,230 |
| Retained earnings to average equity (ytd only) | 9.8773% | 1,055 |
| Net charge-offs to loans | -0.0341% | 4,095 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0923% | 2,229 |
| Assets per employee ($millions) | 5.7791% | 2,948 |
| Cash dividends to net income (ytd only)* | 27.0331% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,591 |
| Loan loss allowance to noncurrent loans | 549.8952% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,811 |
| Noncurrent loans to loans | 0.2621% | 2,428 |
| Net loans and leases to total assets | 48.1291% | 3,541 |
| Net loans and leases to deposits | 52.1897% | 3,668 |
| Net loans and leases to core deposits | 52.8686% | 3,763 |
| Total domestic deposits to total assets | 92.2194% | 752 |
| Equity capital to assets | 7.0531% | 3,741 |
| Core capital (leverage) ratio | 9.6425% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9507% | 2,083 |
| Memoranda: | ||
| Average total assets | $759,911,667 | 1,241 |
| Average earning assets | $715,640,667 | 1,224 |
| Average equity | $65,584,667 | 1,353 |
| Average total loans | $351,704,000 | 1,528 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0071% | 3,236 |
| Cost of funding earning assets | 0.3489% | 1,212 |
| Net interest margin | 2.6582% | 3,507 |
| Noninterest income to average assets | 0.5819% | 1,772 |
| Noninterest expense to average assets | 2.1749% | 2,907 |
| Loan and lease loss provision to assets | -0.2607% | 4,716 |
| Net operating income to assets | 1.1706% | 1,325 |
| Return on assets (ROA) | 1.1706% | 1,323 |
| Pretax return on assets | 1.1706% | 1,915 |
| Return on Equity (ROE) | 12.4573% | 1,178 |
| Retained earnings to average equity (ytd only) | 9.1279% | 1,238 |
| Net charge-offs to loans | -0.0451% | 4,224 |
| Credit loss provision to net charge-offs | 1,282.0513% | 291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5037% | 2,153 |
| Assets per employee ($millions) | 5.9042% | 2,892 |
| Cash dividends to net income (ytd only)* | 26.7261% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,551 |
| Loan loss allowance to noncurrent loans | 204.5010% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,690 |
| Noncurrent loans to loans | 0.7332% | 1,300 |
| Net loans and leases to total assets | 44.7187% | 3,685 |
| Net loans and leases to deposits | 49.6460% | 3,761 |
| Net loans and leases to core deposits | 50.2872% | 3,854 |
| Total domestic deposits to total assets | 90.0751% | 1,520 |
| Equity capital to assets | 9.2336% | 2,499 |
| Core capital (leverage) ratio | 9.4497% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3253% | 2,069 |
| Memoranda: | ||
| Average total assets | $767,115,500 | 1,233 |
| Average earning assets | $722,301,000 | 1,224 |
| Average equity | $72,086,500 | 1,302 |
| Average total loans | $345,531,000 | 1,528 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2114% | 3,447 |
| Cost of funding earning assets | 0.4019% | 1,531 |
| Net interest margin | 2.8095% | 3,641 |
| Noninterest income to average assets | 0.6435% | 1,970 |
| Noninterest expense to average assets | 2.2031% | 3,073 |
| Loan and lease loss provision to assets | -0.0283% | 4,266 |
| Net operating income to assets | 1.1086% | 2,260 |
| Return on assets (ROA) | 1.1554% | 2,139 |
| Pretax return on assets | 1.1554% | 2,803 |
| Return on Equity (ROE) | 12.1310% | 1,767 |
| Retained earnings to average equity (ytd only) | 8.6646% | 1,293 |
| Net charge-offs to loans | -0.1009% | 4,586 |
| Credit loss provision to net charge-offs | 61.4925% | 2,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0982% | 2,111 |
| Assets per employee ($millions) | 5.9898% | 2,785 |
| Cash dividends to net income (ytd only)* | 28.5748% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 1,143 |
| Loan loss allowance to noncurrent loans | 280.5131% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 2,114 |
| Noncurrent loans to loans | 0.5916% | 1,659 |
| Net loans and leases to total assets | 43.9444% | 3,843 |
| Net loans and leases to deposits | 48.8998% | 3,951 |
| Net loans and leases to core deposits | 49.6013% | 4,028 |
| Total domestic deposits to total assets | 89.8660% | 1,019 |
| Equity capital to assets | 9.5607% | 3,089 |
| Core capital (leverage) ratio | 9.4794% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4055% | 2,080 |
| Memoranda: | ||
| Average total assets | $726,940,000 | 1,253 |
| Average earning assets | $683,029,000 | 1,243 |
| Average equity | $69,236,000 | 1,363 |
| Average total loans | $331,918,400 | 1,585 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2289% | 3,550 |
| Cost of funding earning assets | 0.4108% | 1,616 |
| Net interest margin | 2.8181% | 3,740 |
| Noninterest income to average assets | 0.7230% | 1,757 |
| Noninterest expense to average assets | 2.2499% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1264% | 2,454 |
| Return on assets (ROA) | 1.1937% | 2,248 |
| Pretax return on assets | 1.1937% | 2,954 |
| Return on Equity (ROE) | 12.7464% | 1,785 |
| Retained earnings to average equity (ytd only) | 8.8603% | 1,752 |
| Net charge-offs to loans | -0.1017% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6387% | 2,017 |
| Assets per employee ($millions) | 6.1160% | 2,573 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 1,011 |
| Loan loss allowance to noncurrent loans | 254.5543% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 2,267 |
| Noncurrent loans to loans | 0.6875% | 1,604 |
| Net loans and leases to total assets | 43.0609% | 4,017 |
| Net loans and leases to deposits | 48.1580% | 4,110 |
| Net loans and leases to core deposits | 48.7615% | 4,203 |
| Total domestic deposits to total assets | 89.4159% | 1,059 |
| Equity capital to assets | 9.8662% | 3,027 |
| Core capital (leverage) ratio | 9.1968% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8003% | 2,045 |
| Memoranda: | ||
| Average total assets | $659,451,250 | 1,358 |
| Average earning assets | $620,885,750 | 1,349 |
| Average equity | $61,757,000 | 1,498 |
| Average total loans | $297,556,750 | 1,747 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3111% | 3,394 |
| Cost of funding earning assets | 0.4281% | 1,671 |
| Net interest margin | 2.8831% | 3,619 |
| Noninterest income to average assets | 0.7537% | 1,664 |
| Noninterest expense to average assets | 2.2890% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1777% | 2,267 |
| Return on assets (ROA) | 1.2815% | 1,995 |
| Pretax return on assets | 1.2815% | 2,678 |
| Return on Equity (ROE) | 13.9463% | 1,426 |
| Retained earnings to average equity (ytd only) | 9.9340% | 1,411 |
| Net charge-offs to loans | -0.0883% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0285% | 2,151 |
| Assets per employee ($millions) | 5.7975% | 2,811 |
| Cash dividends to net income (ytd only)* | 28.7701% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 942 |
| Loan loss allowance to noncurrent loans | 241.2535% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 1,428 |
| Noncurrent loans to loans | 0.7321% | 1,625 |
| Net loans and leases to total assets | 41.9371% | 4,183 |
| Net loans and leases to deposits | 46.9494% | 4,272 |
| Net loans and leases to core deposits | 47.7462% | 4,337 |
| Total domestic deposits to total assets | 89.3239% | 1,127 |
| Equity capital to assets | 9.6224% | 3,226 |
| Core capital (leverage) ratio | 9.1351% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1270% | 2,315 |
| Memoranda: | ||
| Average total assets | $650,936,000 | 1,366 |
| Average earning assets | $612,540,000 | 1,359 |
| Average equity | $59,815,000 | 1,531 |
| Average total loans | $296,669,000 | 1,762 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 3,368 |
| Cost of funding earning assets | 0.4419% | 1,785 |
| Net interest margin | 2.8975% | 3,533 |
| Noninterest income to average assets | 0.8500% | 1,461 |
| Noninterest expense to average assets | 2.2707% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2996% | 1,829 |
| Return on assets (ROA) | 1.5127% | 1,361 |
| Pretax return on assets | 1.5127% | 1,958 |
| Return on Equity (ROE) | 16.8917% | 865 |
| Retained earnings to average equity (ytd only) | 12.6670% | 984 |
| Net charge-offs to loans | -0.1498% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5994% | 2,518 |
| Assets per employee ($millions) | 5.5265% | 3,086 |
| Cash dividends to net income (ytd only)* | 25.0104% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,011 |
| Loan loss allowance to noncurrent loans | 128.7325% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 1,573 |
| Noncurrent loans to loans | 1.3330% | 971 |
| Net loans and leases to total assets | 44.7558% | 4,062 |
| Net loans and leases to deposits | 49.5219% | 4,188 |
| Net loans and leases to core deposits | 50.4387% | 4,274 |
| Total domestic deposits to total assets | 90.3757% | 630 |
| Equity capital to assets | 8.6466% | 4,003 |
| Core capital (leverage) ratio | 8.6122% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4764% | 2,096 |
| Memoranda: | ||
| Average total assets | $634,353,500 | 1,386 |
| Average earning assets | $595,558,000 | 1,377 |
| Average equity | $56,809,000 | 1,589 |
| Average total loans | $298,978,500 | 1,756 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 2,776 |
| Cost of funding earning assets | 0.6917% | 1,762 |
| Net interest margin | 3.2939% | 3,080 |
| Noninterest income to average assets | 0.9035% | 1,253 |
| Noninterest expense to average assets | 2.5698% | 2,639 |
| Loan and lease loss provision to assets | 0.0371% | 3,947 |
| Net operating income to assets | 1.3621% | 1,102 |
| Return on assets (ROA) | 1.5385% | 793 |
| Pretax return on assets | 1.5385% | 1,227 |
| Return on Equity (ROE) | 15.9591% | 509 |
| Retained earnings to average equity (ytd only) | 11.3461% | 393 |
| Net charge-offs to loans | -0.0222% | 4,456 |
| Credit loss provision to net charge-offs | -307.6923% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7479% | 2,710 |
| Assets per employee ($millions) | 5.0921% | 3,289 |
| Cash dividends to net income (ytd only)* | 28.9052% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 1,076 |
| Loan loss allowance to noncurrent loans | 239.2670% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 2,434 |
| Noncurrent loans to loans | 0.7039% | 1,937 |
| Net loans and leases to total assets | 48.0241% | 3,974 |
| Net loans and leases to deposits | 53.3144% | 4,146 |
| Net loans and leases to core deposits | 54.1793% | 4,247 |
| Total domestic deposits to total assets | 90.0773% | 536 |
| Equity capital to assets | 9.2878% | 3,800 |
| Core capital (leverage) ratio | 8.9580% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1956% | 2,171 |
| Memoranda: | ||
| Average total assets | $539,698,800 | 1,454 |
| Average earning assets | $502,256,000 | 1,451 |
| Average equity | $52,026,600 | 1,632 |
| Average total loans | $292,346,000 | 1,712 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,400 |
| Cost of funding earning assets | 0.7547% | 1,710 |
| Net interest margin | 3.4459% | 2,764 |
| Noninterest income to average assets | 0.8876% | 1,266 |
| Noninterest expense to average assets | 2.7869% | 2,005 |
| Loan and lease loss provision to assets | 0.0512% | 3,711 |
| Net operating income to assets | 1.2529% | 1,471 |
| Return on assets (ROA) | 1.4961% | 996 |
| Pretax return on assets | 1.4961% | 1,455 |
| Return on Equity (ROE) | 15.3561% | 637 |
| Retained earnings to average equity (ytd only) | 10.6360% | 645 |
| Net charge-offs to loans | -0.0215% | 4,444 |
| Credit loss provision to net charge-offs | -425.5319% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1239% | 2,170 |
| Assets per employee ($millions) | 4.6146% | 3,708 |
| Cash dividends to net income (ytd only)* | 30.7377% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 1,026 |
| Loan loss allowance to noncurrent loans | 207.4120% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 2,250 |
| Noncurrent loans to loans | 0.7844% | 1,858 |
| Net loans and leases to total assets | 54.2391% | 3,783 |
| Net loans and leases to deposits | 60.8327% | 4,006 |
| Net loans and leases to core deposits | 61.9234% | 4,115 |
| Total domestic deposits to total assets | 89.1611% | 702 |
| Equity capital to assets | 9.8596% | 3,368 |
| Core capital (leverage) ratio | 8.9523% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9421% | 2,233 |
| Memoranda: | ||
| Average total assets | $521,860,750 | 1,469 |
| Average earning assets | $485,123,750 | 1,467 |
| Average equity | $50,845,000 | 1,665 |
| Average total loans | $290,812,750 | 1,721 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,738 |
| Cost of funding earning assets | 0.8147% | 1,760 |
| Net interest margin | 3.3925% | 3,127 |
| Noninterest income to average assets | 0.7989% | 1,439 |
| Noninterest expense to average assets | 2.8433% | 1,991 |
| Loan and lease loss provision to assets | 0.0785% | 3,314 |
| Net operating income to assets | 1.0257% | 2,234 |
| Return on assets (ROA) | 1.3502% | 1,315 |
| Pretax return on assets | 1.3502% | 1,866 |
| Return on Equity (ROE) | 13.9192% | 904 |
| Retained earnings to average equity (ytd only) | 9.0651% | 986 |
| Net charge-offs to loans | -0.0302% | 4,544 |
| Credit loss provision to net charge-offs | -465.1163% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0278% | 1,679 |
| Assets per employee ($millions) | 4.6909% | 3,541 |
| Cash dividends to net income (ytd only)* | 34.8736% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 837 |
| Loan loss allowance to noncurrent loans | 197.5138% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 2,286 |
| Noncurrent loans to loans | 0.8539% | 1,781 |
| Net loans and leases to total assets | 53.1591% | 3,945 |
| Net loans and leases to deposits | 59.2455% | 4,154 |
| Net loans and leases to core deposits | 60.4430% | 4,237 |
| Total domestic deposits to total assets | 89.7269% | 482 |
| Equity capital to assets | 9.6997% | 3,478 |
| Core capital (leverage) ratio | 9.0215% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8078% | 2,263 |
| Memoranda: | ||
| Average total assets | $509,691,000 | 1,475 |
| Average earning assets | $473,050,000 | 1,472 |
| Average equity | $49,442,333 | 1,688 |
| Average total loans | $285,129,000 | 1,724 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,876 |
| Cost of funding earning assets | 0.9879% | 1,474 |
| Net interest margin | 3.3279% | 3,525 |
| Noninterest income to average assets | 0.7753% | 1,384 |
| Noninterest expense to average assets | 2.8312% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0234% | 2,102 |
| Return on assets (ROA) | 1.1377% | 1,836 |
| Pretax return on assets | 1.1377% | 2,404 |
| Return on Equity (ROE) | 11.7277% | 1,188 |
| Retained earnings to average equity (ytd only) | 6.6799% | 1,656 |
| Net charge-offs to loans | -0.0559% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4491% | 1,887 |
| Assets per employee ($millions) | 4.1592% | 3,709 |
| Cash dividends to net income (ytd only)* | 43.0416% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 872 |
| Loan loss allowance to noncurrent loans | 184.1580% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,225 |
| Noncurrent loans to loans | 0.9260% | 1,776 |
| Net loans and leases to total assets | 55.9097% | 3,847 |
| Net loans and leases to deposits | 62.1804% | 4,091 |
| Net loans and leases to core deposits | 63.6173% | 4,191 |
| Total domestic deposits to total assets | 89.9154% | 348 |
| Equity capital to assets | 9.5246% | 4,199 |
| Core capital (leverage) ratio | 9.3926% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0738% | 2,256 |
| Memoranda: | ||
| Average total assets | $490,116,000 | 1,490 |
| Average earning assets | $453,494,000 | 1,487 |
| Average equity | $47,545,500 | 1,742 |
| Average total loans | $279,311,500 | 1,719 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 3,242 |
| Cost of funding earning assets | 0.8862% | 2,254 |
| Net interest margin | 3.5160% | 3,402 |
| Noninterest income to average assets | 0.7740% | 1,533 |
| Noninterest expense to average assets | 2.8920% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1364% | 2,304 |
| Return on assets (ROA) | 1.3126% | 1,723 |
| Pretax return on assets | 1.3126% | 2,465 |
| Return on Equity (ROE) | 12.9139% | 1,191 |
| Retained earnings to average equity (ytd only) | 3.5421% | 3,227 |
| Net charge-offs to loans | -0.1592% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7902% | 1,899 |
| Assets per employee ($millions) | 4.0441% | 3,853 |
| Cash dividends to net income (ytd only)* | 72.5713% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 763 |
| Loan loss allowance to noncurrent loans | 178.0853% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 2,044 |
| Noncurrent loans to loans | 0.9650% | 1,586 |
| Net loans and leases to total assets | 56.1189% | 3,915 |
| Net loans and leases to deposits | 62.7020% | 4,157 |
| Net loans and leases to core deposits | 64.0649% | 4,275 |
| Total domestic deposits to total assets | 89.5009% | 488 |
| Equity capital to assets | 9.8807% | 4,030 |
| Core capital (leverage) ratio | 9.9009% | 3,618 |
| Tier 1 risk-based capital ratio | 12.9970% | 3,795 |
| Total risk-based capital ratio | 14.2478% | 3,669 |
| Memoranda: | ||
| Average total assets | $461,900,400 | 1,515 |
| Average earning assets | $427,532,400 | 1,515 |
| Average equity | $46,949,400 | 1,689 |
| Average total loans | $280,206,400 | 1,687 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 3,362 |
| Cost of funding earning assets | 0.8964% | 2,248 |
| Net interest margin | 3.5017% | 3,557 |
| Noninterest income to average assets | 0.7750% | 1,502 |
| Noninterest expense to average assets | 2.9943% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0265% | 2,879 |
| Return on assets (ROA) | 1.2644% | 2,045 |
| Pretax return on assets | 1.2644% | 2,773 |
| Return on Equity (ROE) | 12.3482% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.2091% | 1,756 |
| Net charge-offs to loans | -0.2681% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4710% | 1,500 |
| Assets per employee ($millions) | 3.7963% | 4,166 |
| Cash dividends to net income (ytd only)* | 41.6185% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 803 |
| Loan loss allowance to noncurrent loans | 179.7790% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 2,023 |
| Noncurrent loans to loans | 0.9511% | 1,695 |
| Net loans and leases to total assets | 61.5890% | 3,537 |
| Net loans and leases to deposits | 69.8064% | 3,778 |
| Net loans and leases to core deposits | 71.3102% | 3,988 |
| Total domestic deposits to total assets | 88.2283% | 942 |
| Equity capital to assets | 10.8906% | 3,206 |
| Core capital (leverage) ratio | 10.3462% | 3,262 |
| Tier 1 risk-based capital ratio | 13.2987% | 3,687 |
| Total risk-based capital ratio | 14.5504% | 3,586 |
| Memoranda: | ||
| Average total assets | $456,052,750 | 1,542 |
| Average earning assets | $422,715,250 | 1,544 |
| Average equity | $46,699,250 | 1,694 |
| Average total loans | $280,982,500 | 1,698 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 3,270 |
| Cost of funding earning assets | 0.9009% | 2,135 |
| Net interest margin | 3.5218% | 3,525 |
| Noninterest income to average assets | 0.7518% | 1,516 |
| Noninterest expense to average assets | 2.9389% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0776% | 2,617 |
| Return on assets (ROA) | 1.1771% | 2,308 |
| Pretax return on assets | 1.1771% | 2,993 |
| Return on Equity (ROE) | 11.7434% | 1,677 |
| Retained earnings to average equity (ytd only) | 6.4949% | 2,054 |
| Net charge-offs to loans | -0.2369% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1718% | 1,751 |
| Assets per employee ($millions) | 3.8369% | 4,079 |
| Cash dividends to net income (ytd only)* | 44.6927% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 931 |
| Loan loss allowance to noncurrent loans | 157.2057% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 1,870 |
| Noncurrent loans to loans | 1.0477% | 1,563 |
| Net loans and leases to total assets | 60.7761% | 3,673 |
| Net loans and leases to deposits | 69.2502% | 3,901 |
| Net loans and leases to core deposits | 70.7406% | 4,075 |
| Total domestic deposits to total assets | 87.7632% | 1,213 |
| Equity capital to assets | 10.5012% | 3,517 |
| Core capital (leverage) ratio | 10.1612% | 3,428 |
| Tier 1 risk-based capital ratio | 12.9643% | 3,857 |
| Total risk-based capital ratio | 14.2150% | 3,769 |
| Memoranda: | ||
| Average total assets | $456,218,000 | 1,545 |
| Average earning assets | $422,905,330 | 1,544 |
| Average equity | $45,728,000 | 1,720 |
| Average total loans | $279,492,000 | 1,714 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 3,125 |
| Cost of funding earning assets | 0.8978% | 2,017 |
| Net interest margin | 3.5298% | 3,501 |
| Noninterest income to average assets | 0.7140% | 1,563 |
| Noninterest expense to average assets | 2.9261% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0675% | 2,587 |
| Return on assets (ROA) | 1.0675% | 2,639 |
| Pretax return on assets | 1.0675% | 3,249 |
| Return on Equity (ROE) | 10.9104% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.5314% | 2,685 |
| Net charge-offs to loans | -0.2085% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2704% | 1,849 |
| Assets per employee ($millions) | 3.8868% | 4,083 |
| Cash dividends to net income (ytd only)* | 49.3016% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 1,030 |
| Loan loss allowance to noncurrent loans | 135.1818% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 1,575 |
| Noncurrent loans to loans | 1.1962% | 1,383 |
| Net loans and leases to total assets | 59.6808% | 3,739 |
| Net loans and leases to deposits | 67.7827% | 3,945 |
| Net loans and leases to core deposits | 69.3429% | 4,120 |
| Total domestic deposits to total assets | 88.0472% | 1,315 |
| Equity capital to assets | 10.0610% | 3,765 |
| Core capital (leverage) ratio | 9.8935% | 3,723 |
| Tier 1 risk-based capital ratio | 13.0262% | 3,870 |
| Total risk-based capital ratio | 14.2768% | 3,769 |
| Memoranda: | ||
| Average total assets | $456,028,500 | 1,557 |
| Average earning assets | $423,704,500 | 1,548 |
| Average equity | $44,618,000 | 1,752 |
| Average total loans | $278,163,500 | 1,727 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 3,413 |
| Cost of funding earning assets | 0.6381% | 2,478 |
| Net interest margin | 3.5714% | 3,480 |
| Noninterest income to average assets | 0.7540% | 1,625 |
| Noninterest expense to average assets | 2.8727% | 2,445 |
| Loan and lease loss provision to assets | -0.1680% | 5,313 |
| Net operating income to assets | 1.3656% | 1,550 |
| Return on assets (ROA) | 1.4028% | 1,414 |
| Pretax return on assets | 1.4028% | 2,129 |
| Return on Equity (ROE) | 14.1444% | 1,012 |
| Retained earnings to average equity (ytd only) | 1.3864% | 4,575 |
| Net charge-offs to loans | 0.0736% | 2,065 |
| Credit loss provision to net charge-offs | -380.7107% | 4,589 |
| Earnings coverage of net charge-offs (x) | 27.1472% | 1,701 |
| Efficiency ratio | 70.5766% | 2,098 |
| Assets per employee ($millions) | 3.9086% | 4,027 |
| Cash dividends to net income (ytd only)* | 90.1980% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,177 |
| Loan loss allowance to noncurrent loans | 137.3647% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 1,366 |
| Noncurrent loans to loans | 1.1203% | 1,443 |
| Net loans and leases to total assets | 60.3865% | 3,730 |
| Net loans and leases to deposits | 67.9277% | 3,980 |
| Net loans and leases to core deposits | 69.2591% | 4,149 |
| Total domestic deposits to total assets | 88.8981% | 901 |
| Equity capital to assets | 9.5086% | 4,123 |
| Core capital (leverage) ratio | 10.1636% | 3,396 |
| Tier 1 risk-based capital ratio | 12.8245% | 3,954 |
| Total risk-based capital ratio | 14.0725% | 3,838 |
| Memoranda: | ||
| Average total assets | $446,544,000 | 1,547 |
| Average earning assets | $414,657,800 | 1,541 |
| Average equity | $44,286,200 | 1,685 |
| Average total loans | $267,554,600 | 1,742 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,271 |
| Cost of funding earning assets | 0.6091% | 2,410 |
| Net interest margin | 3.6040% | 3,348 |
| Noninterest income to average assets | 0.7038% | 1,848 |
| Noninterest expense to average assets | 3.0177% | 1,966 |
| Loan and lease loss provision to assets | -0.2253% | 5,410 |
| Net operating income to assets | 1.2601% | 1,998 |
| Return on assets (ROA) | 1.3100% | 1,819 |
| Pretax return on assets | 1.3100% | 2,582 |
| Return on Equity (ROE) | 13.0702% | 1,405 |
| Retained earnings to average equity (ytd only) | 5.4277% | 2,995 |
| Net charge-offs to loans | 0.0282% | 2,536 |
| Credit loss provision to net charge-offs | -1,339.2857% | 4,679 |
| Earnings coverage of net charge-offs (x) | 61.5218% | 1,046 |
| Efficiency ratio | 74.4645% | 1,524 |
| Assets per employee ($millions) | 3.6018% | 4,435 |
| Cash dividends to net income (ytd only)* | 58.4729% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,044 |
| Loan loss allowance to noncurrent loans | 110.7329% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 1,170 |
| Noncurrent loans to loans | 1.4575% | 1,121 |
| Net loans and leases to total assets | 62.8611% | 3,559 |
| Net loans and leases to deposits | 73.9079% | 3,602 |
| Net loans and leases to core deposits | 75.5128% | 3,836 |
| Total domestic deposits to total assets | 85.0533% | 2,587 |
| Equity capital to assets | 10.3347% | 3,299 |
| Core capital (leverage) ratio | 10.5220% | 3,055 |
| Tier 1 risk-based capital ratio | 13.4617% | 3,646 |
| Total risk-based capital ratio | 14.7125% | 3,560 |
| Memoranda: | ||
| Average total assets | $443,854,750 | 1,564 |
| Average earning assets | $412,416,250 | 1,559 |
| Average equity | $44,487,000 | 1,681 |
| Average total loans | $264,327,250 | 1,767 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 3,383 |
| Cost of funding earning assets | 0.5882% | 2,310 |
| Net interest margin | 3.5309% | 3,531 |
| Noninterest income to average assets | 0.6888% | 1,915 |
| Noninterest expense to average assets | 2.9156% | 2,310 |
| Loan and lease loss provision to assets | -0.3350% | 5,500 |
| Net operating income to assets | 1.3906% | 1,470 |
| Return on assets (ROA) | 1.4786% | 1,205 |
| Pretax return on assets | 1.4786% | 1,895 |
| Return on Equity (ROE) | 14.9010% | 873 |
| Retained earnings to average equity (ytd only) | 6.1224% | 2,488 |
| Net charge-offs to loans | 0.2074% | 764 |
| Credit loss provision to net charge-offs | -277.7778% | 4,253 |
| Earnings coverage of net charge-offs (x) | 8.7519% | 2,446 |
| Efficiency ratio | 73.4196% | 1,789 |
| Assets per employee ($millions) | 3.2123% | 4,920 |
| Cash dividends to net income (ytd only)* | 58.9124% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,100 |
| Loan loss allowance to noncurrent loans | 103.6648% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 1,123 |
| Noncurrent loans to loans | 1.5462% | 1,068 |
| Net loans and leases to total assets | 59.1885% | 3,886 |
| Net loans and leases to deposits | 68.2416% | 4,001 |
| Net loans and leases to core deposits | 69.2981% | 4,185 |
| Total domestic deposits to total assets | 86.7337% | 1,952 |
| Equity capital to assets | 10.2233% | 3,423 |
| Core capital (leverage) ratio | 10.1748% | 3,393 |
| Tier 1 risk-based capital ratio | 13.6174% | 3,555 |
| Total risk-based capital ratio | 14.8679% | 3,462 |
| Memoranda: | ||
| Average total assets | $447,734,670 | 1,561 |
| Average earning assets | $416,208,000 | 1,555 |
| Average equity | $44,426,670 | 1,692 |
| Average total loans | $260,385,670 | 1,789 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 3,615 |
| Cost of funding earning assets | 0.5677% | 2,263 |
| Net interest margin | 3.4301% | 3,778 |
| Noninterest income to average assets | 0.6794% | 1,915 |
| Noninterest expense to average assets | 2.8904% | 2,406 |
| Loan and lease loss provision to assets | -0.6644% | 5,585 |
| Net operating income to assets | 1.6432% | 771 |
| Return on assets (ROA) | 1.8168% | 551 |
| Pretax return on assets | 1.8168% | 882 |
| Return on Equity (ROE) | 18.5844% | 352 |
| Retained earnings to average equity (ytd only) | 6.3519% | 2,564 |
| Net charge-offs to loans | -0.1534% | 5,324 |
| Credit loss provision to net charge-offs | 757.5758% | 431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7024% | 1,795 |
| Assets per employee ($millions) | 3.9694% | 4,027 |
| Cash dividends to net income (ytd only)* | 65.8216% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 813 |
| Loan loss allowance to noncurrent loans | 88.8119% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 912 |
| Noncurrent loans to loans | 2.0085% | 790 |
| Net loans and leases to total assets | 56.6132% | 4,068 |
| Net loans and leases to deposits | 64.6751% | 4,173 |
| Net loans and leases to core deposits | 65.6162% | 4,333 |
| Total domestic deposits to total assets | 87.5347% | 1,880 |
| Equity capital to assets | 9.6798% | 3,907 |
| Core capital (leverage) ratio | 9.8450% | 3,715 |
| Tier 1 risk-based capital ratio | 14.2199% | 3,271 |
| Total risk-based capital ratio | 15.4724% | 3,187 |
| Memoranda: | ||
| Average total assets | $451,560,000 | 1,565 |
| Average earning assets | $419,932,500 | 1,557 |
| Average equity | $44,144,500 | 1,705 |
| Average total loans | $258,217,500 | 1,803 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 2,607 |
| Cost of funding earning assets | 0.4863% | 2,449 |
| Net interest margin | 3.7359% | 2,654 |
| Noninterest income to average assets | 0.6494% | 2,201 |
| Noninterest expense to average assets | 2.8044% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3341% | 1,154 |
| Return on assets (ROA) | 1.4590% | 894 |
| Pretax return on assets | 1.4590% | 1,783 |
| Return on Equity (ROE) | 15.0556% | 600 |
| Retained earnings to average equity (ytd only) | 6.9731% | 1,084 |
| Net charge-offs to loans | -0.4493% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7632% | 2,940 |
| Assets per employee ($millions) | 3.9188% | 4,091 |
| Cash dividends to net income (ytd only)* | 53.6845% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0408% | 497 |
| Loan loss allowance to noncurrent loans | 100.7080% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 867 |
| Noncurrent loans to loans | 2.0265% | 750 |
| Net loans and leases to total assets | 55.5737% | 4,229 |
| Net loans and leases to deposits | 63.5012% | 4,352 |
| Net loans and leases to core deposits | 64.4721% | 4,504 |
| Total domestic deposits to total assets | 87.5161% | 1,753 |
| Equity capital to assets | 9.8709% | 3,851 |
| Core capital (leverage) ratio | 10.1531% | 3,241 |
| Tier 1 risk-based capital ratio | 13.2278% | 3,771 |
| Total risk-based capital ratio | 14.4820% | 3,698 |
| Memoranda: | ||
| Average total assets | $443,667,800 | 1,565 |
| Average earning assets | $414,356,800 | 1,549 |
| Average equity | $42,994,000 | 1,730 |
| Average total loans | $251,943,400 | 1,804 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 3,384 |
| Cost of funding earning assets | 0.4867% | 2,377 |
| Net interest margin | 3.5056% | 3,486 |
| Noninterest income to average assets | 0.6341% | 2,289 |
| Noninterest expense to average assets | 2.8783% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0335% | 2,397 |
| Return on assets (ROA) | 1.1835% | 1,805 |
| Pretax return on assets | 1.1835% | 2,971 |
| Return on Equity (ROE) | 12.2718% | 1,250 |
| Retained earnings to average equity (ytd only) | 6.6281% | 1,893 |
| Net charge-offs to loans | -0.5222% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5797% | 1,960 |
| Assets per employee ($millions) | 3.6155% | 4,569 |
| Cash dividends to net income (ytd only)* | 45.9887% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 537 |
| Loan loss allowance to noncurrent loans | 56.1635% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 2.5687% | 409 |
| Noncurrent loans to loans | 3.6294% | 294 |
| Net loans and leases to total assets | 57.5851% | 4,099 |
| Net loans and leases to deposits | 66.5477% | 4,210 |
| Net loans and leases to core deposits | 67.6480% | 4,374 |
| Total domestic deposits to total assets | 86.5321% | 2,085 |
| Equity capital to assets | 10.3666% | 3,517 |
| Core capital (leverage) ratio | 9.9604% | 3,618 |
| Tier 1 risk-based capital ratio | 13.2909% | 3,826 |
| Total risk-based capital ratio | 14.5451% | 3,738 |
| Memoranda: | ||
| Average total assets | $440,940,250 | 1,585 |
| Average earning assets | $412,277,250 | 1,569 |
| Average equity | $42,524,750 | 1,765 |
| Average total loans | $250,457,000 | 1,823 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,365 |
| Cost of funding earning assets | 0.4757% | 2,367 |
| Net interest margin | 3.4782% | 3,477 |
| Noninterest income to average assets | 0.6264% | 2,339 |
| Noninterest expense to average assets | 2.7767% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1074% | 1,939 |
| Return on assets (ROA) | 1.1514% | 1,822 |
| Pretax return on assets | 1.1514% | 2,971 |
| Return on Equity (ROE) | 12.2315% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.5114% | 1,840 |
| Net charge-offs to loans | -0.3771% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4880% | 2,440 |
| Assets per employee ($millions) | 3.6840% | 4,458 |
| Cash dividends to net income (ytd only)* | 46.7654% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 756 |
| Loan loss allowance to noncurrent loans | 49.2457% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 372 |
| Noncurrent loans to loans | 3.8102% | 268 |
| Net loans and leases to total assets | 54.9076% | 4,321 |
| Net loans and leases to deposits | 63.0583% | 4,431 |
| Net loans and leases to core deposits | 64.1241% | 4,596 |
| Total domestic deposits to total assets | 87.0744% | 1,912 |
| Equity capital to assets | 10.1021% | 3,793 |
| Core capital (leverage) ratio | 9.5264% | 4,109 |
| Tier 1 risk-based capital ratio | 13.1250% | 3,930 |
| Total risk-based capital ratio | 14.3772% | 3,837 |
| Memoranda: | ||
| Average total assets | $445,711,000 | 1,577 |
| Average earning assets | $417,452,000 | 1,557 |
| Average equity | $41,957,330 | 1,783 |
| Average total loans | $250,347,330 | 1,825 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 2,964 |
| Cost of funding earning assets | 0.4543% | 2,489 |
| Net interest margin | 3.5641% | 3,028 |
| Noninterest income to average assets | 0.6534% | 2,161 |
| Noninterest expense to average assets | 2.7185% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2729% | 1,314 |
| Return on assets (ROA) | 1.3290% | 1,199 |
| Pretax return on assets | 1.3290% | 2,140 |
| Return on Equity (ROE) | 14.6399% | 694 |
| Retained earnings to average equity (ytd only) | 8.7565% | 1,163 |
| Net charge-offs to loans | -0.2357% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1088% | 3,175 |
| Assets per employee ($millions) | 3.8530% | 4,256 |
| Cash dividends to net income (ytd only)* | 40.1875% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 1,176 |
| Loan loss allowance to noncurrent loans | 49.6405% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.4855% | 463 |
| Noncurrent loans to loans | 3.3932% | 372 |
| Net loans and leases to total assets | 55.8947% | 4,183 |
| Net loans and leases to deposits | 63.4442% | 4,337 |
| Net loans and leases to core deposits | 64.5396% | 4,507 |
| Total domestic deposits to total assets | 88.1005% | 1,659 |
| Equity capital to assets | 9.3363% | 4,458 |
| Core capital (leverage) ratio | 9.2674% | 4,388 |
| Tier 1 risk-based capital ratio | 12.8647% | 4,163 |
| Total risk-based capital ratio | 14.1156% | 4,063 |
| Memoranda: | ||
| Average total assets | $449,370,000 | 1,572 |
| Average earning assets | $420,860,500 | 1,558 |
| Average equity | $40,792,500 | 1,833 |
| Average total loans | $252,864,000 | 1,820 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,319 |
| Cost of funding earning assets | 0.4543% | 2,502 |
| Net interest margin | 3.2132% | 4,404 |
| Noninterest income to average assets | 0.5884% | 2,719 |
| Noninterest expense to average assets | 2.6939% | 3,358 |
| Loan and lease loss provision to assets | -0.1213% | 5,709 |
| Net operating income to assets | 1.0390% | 2,193 |
| Return on assets (ROA) | 1.2333% | 1,487 |
| Pretax return on assets | 1.2333% | 2,537 |
| Return on Equity (ROE) | 13.4960% | 880 |
| Retained earnings to average equity (ytd only) | 6.7383% | 1,340 |
| Net charge-offs to loans | -0.0536% | 5,411 |
| Credit loss provision to net charge-offs | 447.1545% | 718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5893% | 2,210 |
| Assets per employee ($millions) | 3.7032% | 4,467 |
| Cash dividends to net income (ytd only)* | 50.0715% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 1,279 |
| Loan loss allowance to noncurrent loans | 58.9049% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.1758% | 603 |
| Noncurrent loans to loans | 2.7870% | 527 |
| Net loans and leases to total assets | 54.7811% | 4,364 |
| Net loans and leases to deposits | 61.8565% | 4,555 |
| Net loans and leases to core deposits | 62.9618% | 4,692 |
| Total domestic deposits to total assets | 88.5617% | 1,348 |
| Equity capital to assets | 8.8219% | 4,993 |
| Core capital (leverage) ratio | 9.1463% | 4,554 |
| Tier 1 risk-based capital ratio | 12.5614% | 4,348 |
| Total risk-based capital ratio | 13.8118% | 4,238 |
| Memoranda: | ||
| Average total assets | $453,402,400 | 1,503 |
| Average earning assets | $426,582,200 | 1,481 |
| Average equity | $41,434,600 | 1,785 |
| Average total loans | $229,335,400 | 1,910 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,348 |
| Cost of funding earning assets | 0.4631% | 2,435 |
| Net interest margin | 3.2063% | 4,475 |
| Noninterest income to average assets | 0.6276% | 2,534 |
| Noninterest expense to average assets | 2.7300% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9164% | 2,827 |
| Return on assets (ROA) | 1.0504% | 2,325 |
| Pretax return on assets | 1.0504% | 3,427 |
| Return on Equity (ROE) | 11.3953% | 1,526 |
| Retained earnings to average equity (ytd only) | 6.1359% | 2,104 |
| Net charge-offs to loans | -0.1061% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8691% | 2,130 |
| Assets per employee ($millions) | 3.7002% | 4,474 |
| Cash dividends to net income (ytd only)* | 46.1539% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 776 |
| Loan loss allowance to noncurrent loans | 65.8235% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.1634% | 687 |
| Noncurrent loans to loans | 2.9688% | 507 |
| Net loans and leases to total assets | 53.0733% | 4,570 |
| Net loans and leases to deposits | 60.7902% | 4,699 |
| Net loans and leases to core deposits | 61.9047% | 4,838 |
| Total domestic deposits to total assets | 87.3057% | 1,758 |
| Equity capital to assets | 9.7203% | 4,450 |
| Core capital (leverage) ratio | 8.9625% | 4,866 |
| Tier 1 risk-based capital ratio | 12.7114% | 4,334 |
| Total risk-based capital ratio | 13.9646% | 4,246 |
| Memoranda: | ||
| Average total assets | $453,804,000 | 1,501 |
| Average earning assets | $427,268,000 | 1,478 |
| Average equity | $41,829,000 | 1,777 |
| Average total loans | $223,761,750 | 1,960 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 4,420 |
| Cost of funding earning assets | 0.4730% | 2,338 |
| Net interest margin | 3.1846% | 4,594 |
| Noninterest income to average assets | 0.5897% | 2,675 |
| Noninterest expense to average assets | 2.6273% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9521% | 2,616 |
| Return on assets (ROA) | 1.0912% | 2,116 |
| Pretax return on assets | 1.0912% | 3,233 |
| Return on Equity (ROE) | 12.0537% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.9647% | 1,622 |
| Net charge-offs to loans | -0.1112% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4003% | 2,451 |
| Assets per employee ($millions) | 3.8813% | 4,117 |
| Cash dividends to net income (ytd only)* | 42.2195% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 581 |
| Loan loss allowance to noncurrent loans | 64.3427% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 718 |
| Noncurrent loans to loans | 3.3379% | 407 |
| Net loans and leases to total assets | 46.9449% | 5,071 |
| Net loans and leases to deposits | 53.5714% | 5,156 |
| Net loans and leases to core deposits | 54.5470% | 5,249 |
| Total domestic deposits to total assets | 87.6307% | 1,613 |
| Equity capital to assets | 9.6687% | 4,594 |
| Core capital (leverage) ratio | 8.7160% | 5,151 |
| Tier 1 risk-based capital ratio | 13.0511% | 4,173 |
| Total risk-based capital ratio | 14.3047% | 4,088 |
| Memoranda: | ||
| Average total assets | $455,831,330 | 1,502 |
| Average earning assets | $427,937,670 | 1,486 |
| Average equity | $41,265,330 | 1,798 |
| Average total loans | $217,563,330 | 2,001 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 5,010 |
| Cost of funding earning assets | 0.4819% | 2,255 |
| Net interest margin | 2.9646% | 5,193 |
| Noninterest income to average assets | 0.6543% | 2,241 |
| Noninterest expense to average assets | 2.6031% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8259% | 3,120 |
| Return on assets (ROA) | 1.1465% | 1,841 |
| Pretax return on assets | 1.1465% | 2,907 |
| Return on Equity (ROE) | 13.1082% | 1,016 |
| Retained earnings to average equity (ytd only) | 7.8509% | 1,525 |
| Net charge-offs to loans | -0.0810% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9132% | 2,183 |
| Assets per employee ($millions) | 3.8627% | 4,192 |
| Cash dividends to net income (ytd only)* | 40.1070% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 730 |
| Loan loss allowance to noncurrent loans | 67.1041% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.2120% | 738 |
| Noncurrent loans to loans | 3.0856% | 516 |
| Net loans and leases to total assets | 47.7529% | 4,983 |
| Net loans and leases to deposits | 53.9083% | 5,106 |
| Net loans and leases to core deposits | 54.9742% | 5,187 |
| Total domestic deposits to total assets | 88.5817% | 1,314 |
| Equity capital to assets | 8.9454% | 5,221 |
| Core capital (leverage) ratio | 8.4491% | 5,440 |
| Tier 1 risk-based capital ratio | 12.6965% | 4,460 |
| Total risk-based capital ratio | 13.9498% | 4,369 |
| Memoranda: | ||
| Average total assets | $456,689,500 | 1,500 |
| Average earning assets | $427,442,500 | 1,486 |
| Average equity | $39,944,500 | 1,850 |
| Average total loans | $217,413,500 | 2,005 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,444 |
| Cost of funding earning assets | 0.4942% | 2,204 |
| Net interest margin | 3.1805% | 4,684 |
| Noninterest income to average assets | 0.5711% | 2,892 |
| Noninterest expense to average assets | 2.6359% | 3,795 |
| Loan and lease loss provision to assets | -0.1686% | 5,950 |
| Net operating income to assets | 1.0857% | 1,985 |
| Return on assets (ROA) | 1.1378% | 1,845 |
| Pretax return on assets | 1.1378% | 2,898 |
| Return on Equity (ROE) | 13.6931% | 911 |
| Retained earnings to average equity (ytd only) | 10.9199% | 353 |
| Net charge-offs to loans | 0.0723% | 2,801 |
| Credit loss provision to net charge-offs | -480.7692% | 5,436 |
| Earnings coverage of net charge-offs (x) | 26.1474% | 1,601 |
| Efficiency ratio | 74.1884% | 2,551 |
| Assets per employee ($millions) | 3.9790% | 3,975 |
| Cash dividends to net income (ytd only)* | 20.2529% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 647 |
| Loan loss allowance to noncurrent loans | 61.3294% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 614 |
| Noncurrent loans to loans | 3.4963% | 402 |
| Net loans and leases to total assets | 45.4586% | 5,193 |
| Net loans and leases to deposits | 51.1246% | 5,332 |
| Net loans and leases to core deposits | 52.2353% | 5,406 |
| Total domestic deposits to total assets | 88.9174% | 1,155 |
| Equity capital to assets | 8.5484% | 5,522 |
| Core capital (leverage) ratio | 8.6758% | 5,241 |
| Tier 1 risk-based capital ratio | 12.9133% | 4,380 |
| Total risk-based capital ratio | 14.1669% | 4,269 |
| Memoranda: | ||
| Average total assets | $444,788,400 | 1,505 |
| Average earning assets | $417,015,600 | 1,481 |
| Average equity | $36,960,200 | 1,928 |
| Average total loans | $215,673,200 | 1,954 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,454 |
| Cost of funding earning assets | 0.5080% | 2,139 |
| Net interest margin | 3.1793% | 4,742 |
| Noninterest income to average assets | 0.5604% | 2,980 |
| Noninterest expense to average assets | 2.6576% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8901% | 3,002 |
| Return on assets (ROA) | 0.9592% | 2,758 |
| Pretax return on assets | 0.9592% | 3,780 |
| Return on Equity (ROE) | 11.6303% | 1,489 |
| Retained earnings to average equity (ytd only) | 9.5253% | 731 |
| Net charge-offs to loans | 0.0819% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.1653% | 1,794 |
| Efficiency ratio | 74.9106% | 2,416 |
| Assets per employee ($millions) | 3.8211% | 4,223 |
| Cash dividends to net income (ytd only)* | 18.0989% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 429 |
| Loan loss allowance to noncurrent loans | 67.4810% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.8482% | 560 |
| Noncurrent loans to loans | 3.7179% | 387 |
| Net loans and leases to total assets | 47.9770% | 5,080 |
| Net loans and leases to deposits | 54.2344% | 5,236 |
| Net loans and leases to core deposits | 55.3955% | 5,339 |
| Total domestic deposits to total assets | 88.4623% | 1,307 |
| Equity capital to assets | 8.7993% | 5,489 |
| Core capital (leverage) ratio | 8.4152% | 5,617 |
| Tier 1 risk-based capital ratio | 13.1420% | 4,350 |
| Total risk-based capital ratio | 14.4003% | 4,268 |
| Memoranda: | ||
| Average total assets | $441,589,750 | 1,526 |
| Average earning assets | $414,923,000 | 1,499 |
| Average equity | $36,421,250 | 1,974 |
| Average total loans | $216,449,250 | 1,953 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 4,427 |
| Cost of funding earning assets | 0.5122% | 2,144 |
| Net interest margin | 3.1810% | 4,714 |
| Noninterest income to average assets | 0.5615% | 2,968 |
| Noninterest expense to average assets | 2.5698% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9792% | 2,502 |
| Return on assets (ROA) | 1.0579% | 2,217 |
| Pretax return on assets | 1.0579% | 3,349 |
| Return on Equity (ROE) | 13.1097% | 1,090 |
| Retained earnings to average equity (ytd only) | 11.7169% | 427 |
| Net charge-offs to loans | 0.0872% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 22.9263% | 1,624 |
| Efficiency ratio | 72.4094% | 2,950 |
| Assets per employee ($millions) | 3.8846% | 4,104 |
| Cash dividends to net income (ytd only)* | 10.6247% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4639% | 504 |
| Loan loss allowance to noncurrent loans | 62.5976% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 3.0087% | 560 |
| Noncurrent loans to loans | 3.9361% | 401 |
| Net loans and leases to total assets | 48.4176% | 5,063 |
| Net loans and leases to deposits | 54.1981% | 5,242 |
| Net loans and leases to core deposits | 55.3253% | 5,353 |
| Total domestic deposits to total assets | 89.3346% | 988 |
| Equity capital to assets | 7.9866% | 5,988 |
| Core capital (leverage) ratio | 8.1134% | 5,861 |
| Tier 1 risk-based capital ratio | 12.9706% | 4,533 |
| Total risk-based capital ratio | 14.2291% | 4,445 |
| Memoranda: | ||
| Average total assets | $444,858,330 | 1,527 |
| Average earning assets | $417,799,000 | 1,500 |
| Average equity | $35,897,000 | 2,006 |
| Average total loans | $217,769,670 | 1,957 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 4,547 |
| Cost of funding earning assets | 0.5176% | 2,131 |
| Net interest margin | 3.1278% | 4,862 |
| Noninterest income to average assets | 0.6262% | 2,518 |
| Noninterest expense to average assets | 2.5029% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0540% | 2,019 |
| Return on assets (ROA) | 1.1728% | 1,727 |
| Pretax return on assets | 1.1728% | 2,767 |
| Return on Equity (ROE) | 14.4617% | 796 |
| Retained earnings to average equity (ytd only) | 14.4617% | 325 |
| Net charge-offs to loans | 0.1617% | 1,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.4091% | 1,726 |
| Efficiency ratio | 70.3666% | 3,416 |
| Assets per employee ($millions) | 4.3276% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 514 |
| Loan loss allowance to noncurrent loans | 50.8273% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 3.3446% | 519 |
| Noncurrent loans to loans | 4.9637% | 273 |
| Net loans and leases to total assets | 46.5996% | 5,157 |
| Net loans and leases to deposits | 52.3991% | 5,310 |
| Net loans and leases to core deposits | 53.5093% | 5,397 |
| Total domestic deposits to total assets | 88.9321% | 1,317 |
| Equity capital to assets | 8.4312% | 5,784 |
| Core capital (leverage) ratio | 7.9195% | 5,985 |
| Tier 1 risk-based capital ratio | 12.8986% | 4,665 |
| Total risk-based capital ratio | 14.1572% | 4,573 |
| Memoranda: | ||
| Average total assets | $447,806,500 | 1,527 |
| Average earning assets | $419,595,000 | 1,505 |
| Average equity | $36,316,500 | 1,994 |
| Average total loans | $217,702,500 | 1,955 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 4,481 |
| Cost of funding earning assets | 0.5908% | 1,852 |
| Net interest margin | 3.2130% | 4,881 |
| Noninterest income to average assets | 0.7845% | 1,934 |
| Noninterest expense to average assets | 2.6955% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0800% | 2,053 |
| Return on assets (ROA) | 1.0735% | 2,128 |
| Pretax return on assets | 1.0735% | 3,191 |
| Return on Equity (ROE) | 16.1244% | 611 |
| Retained earnings to average equity (ytd only) | 16.1244% | 123 |
| Net charge-offs to loans | 0.3874% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.3923% | 3,428 |
| Efficiency ratio | 71.3443% | 3,321 |
| Assets per employee ($millions) | 4.0529% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4578% | 587 |
| Loan loss allowance to noncurrent loans | 44.9638% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 3.7317% | 478 |
| Noncurrent loans to loans | 5.4661% | 240 |
| Net loans and leases to total assets | 48.2029% | 5,133 |
| Net loans and leases to deposits | 53.9764% | 5,331 |
| Net loans and leases to core deposits | 55.1581% | 5,436 |
| Total domestic deposits to total assets | 89.3037% | 1,067 |
| Equity capital to assets | 7.7915% | 6,145 |
| Core capital (leverage) ratio | 7.9460% | 6,031 |
| Tier 1 risk-based capital ratio | 12.3912% | 5,096 |
| Total risk-based capital ratio | 13.6504% | 5,011 |
| Memoranda: | ||
| Average total assets | $426,370,200 | 1,559 |
| Average earning assets | $396,918,200 | 1,539 |
| Average equity | $28,385,600 | 2,381 |
| Average total loans | $220,449,200 | 1,899 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 4,400 |
| Cost of funding earning assets | 0.6124% | 1,740 |
| Net interest margin | 3.2296% | 4,860 |
| Noninterest income to average assets | 0.8247% | 1,796 |
| Noninterest expense to average assets | 2.8334% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9947% | 2,471 |
| Return on assets (ROA) | 0.9833% | 2,590 |
| Pretax return on assets | 0.9833% | 3,658 |
| Return on Equity (ROE) | 15.4742% | 747 |
| Retained earnings to average equity (ytd only) | 15.4742% | 185 |
| Net charge-offs to loans | 0.3764% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.0515% | 3,329 |
| Efficiency ratio | 73.9501% | 2,827 |
| Assets per employee ($millions) | 3.7735% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4783% | 664 |
| Loan loss allowance to noncurrent loans | 42.4706% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 4.4543% | 411 |
| Noncurrent loans to loans | 5.8354% | 249 |
| Net loans and leases to total assets | 53.5205% | 4,634 |
| Net loans and leases to deposits | 59.8213% | 4,962 |
| Net loans and leases to core deposits | 61.2291% | 5,095 |
| Total domestic deposits to total assets | 89.4673% | 997 |
| Equity capital to assets | 7.5438% | 6,295 |
| Core capital (leverage) ratio | 7.6639% | 6,227 |
| Tier 1 risk-based capital ratio | 11.8308% | 5,595 |
| Total risk-based capital ratio | 13.0910% | 5,511 |
| Memoranda: | ||
| Average total assets | $420,494,000 | 1,588 |
| Average earning assets | $391,038,000 | 1,570 |
| Average equity | $26,719,000 | 2,521 |
| Average total loans | $219,982,250 | 1,915 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 4,550 |
| Cost of funding earning assets | 0.6225% | 1,712 |
| Net interest margin | 3.1709% | 5,041 |
| Noninterest income to average assets | 0.8232% | 1,754 |
| Noninterest expense to average assets | 2.8069% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9610% | 2,505 |
| Return on assets (ROA) | 0.9629% | 2,581 |
| Pretax return on assets | 0.9629% | 3,634 |
| Return on Equity (ROE) | 16.1561% | 644 |
| Retained earnings to average equity (ytd only) | 16.1561% | 167 |
| Net charge-offs to loans | 0.5556% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.3605% | 3,328 |
| Efficiency ratio | 74.4201% | 2,904 |
| Assets per employee ($millions) | 3.7640% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6290% | 588 |
| Loan loss allowance to noncurrent loans | 39.3095% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 4.8553% | 379 |
| Noncurrent loans to loans | 6.6880% | 193 |
| Net loans and leases to total assets | 50.6702% | 4,891 |
| Net loans and leases to deposits | 56.1250% | 5,180 |
| Net loans and leases to core deposits | 57.6720% | 5,296 |
| Total domestic deposits to total assets | 90.2809% | 670 |
| Equity capital to assets | 6.9527% | 6,449 |
| Core capital (leverage) ratio | 7.4456% | 6,330 |
| Tier 1 risk-based capital ratio | 11.7569% | 5,661 |
| Total risk-based capital ratio | 13.0181% | 5,596 |
| Memoranda: | ||
| Average total assets | $421,039,330 | 1,584 |
| Average earning assets | $390,995,670 | 1,571 |
| Average equity | $25,092,670 | 2,651 |
| Average total loans | $216,685,670 | 1,926 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 4,770 |
| Cost of funding earning assets | 0.6347% | 1,693 |
| Net interest margin | 3.0874% | 5,293 |
| Noninterest income to average assets | 0.7193% | 2,083 |
| Noninterest expense to average assets | 2.7039% | 3,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8697% | 2,795 |
| Return on assets (ROA) | 0.8697% | 2,863 |
| Pretax return on assets | 0.8697% | 3,829 |
| Return on Equity (ROE) | 15.9034% | 648 |
| Retained earnings to average equity (ytd only) | 15.9034% | 272 |
| Net charge-offs to loans | 0.8728% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.9470% | 2,980 |
| Efficiency ratio | 75.5826% | 2,863 |
| Assets per employee ($millions) | 4.2843% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 603 |
| Loan loss allowance to noncurrent loans | 38.7794% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 5.5674% | 337 |
| Noncurrent loans to loans | 7.0304% | 220 |
| Net loans and leases to total assets | 49.1763% | 4,983 |
| Net loans and leases to deposits | 53.7869% | 5,309 |
| Net loans and leases to core deposits | 55.2007% | 5,422 |
| Total domestic deposits to total assets | 91.4282% | 402 |
| Equity capital to assets | 5.9230% | 6,574 |
| Core capital (leverage) ratio | 7.1489% | 6,438 |
| Tier 1 risk-based capital ratio | 11.1816% | 6,082 |
| Total risk-based capital ratio | 12.4428% | 6,023 |
| Memoranda: | ||
| Average total assets | $422,655,000 | 1,584 |
| Average earning assets | $390,750,000 | 1,579 |
| Average equity | $23,114,500 | 2,833 |
| Average total loans | $216,318,500 | 1,925 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 4,466 |
| Cost of funding earning assets | 0.7435% | 1,542 |
| Net interest margin | 3.1559% | 5,142 |
| Noninterest income to average assets | 0.5652% | 3,295 |
| Noninterest expense to average assets | 2.6862% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7877% | 3,354 |
| Return on assets (ROA) | 0.8015% | 3,385 |
| Pretax return on assets | 0.8015% | 4,135 |
| Return on Equity (ROE) | 13.9922% | 950 |
| Retained earnings to average equity (ytd only) | 13.9922% | 203 |
| Net charge-offs to loans | 1.6407% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.9001% | 4,785 |
| Efficiency ratio | 77.2414% | 2,586 |
| Assets per employee ($millions) | 3.7943% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8953% | 525 |
| Loan loss allowance to noncurrent loans | 41.9466% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 5.2224% | 440 |
| Noncurrent loans to loans | 6.9025% | 247 |
| Net loans and leases to total assets | 50.3114% | 5,049 |
| Net loans and leases to deposits | 54.4970% | 5,429 |
| Net loans and leases to core deposits | 55.9229% | 5,541 |
| Total domestic deposits to total assets | 92.3196% | 229 |
| Equity capital to assets | 5.0116% | 6,689 |
| Core capital (leverage) ratio | 7.1726% | 6,482 |
| Tier 1 risk-based capital ratio | 10.8111% | 6,257 |
| Total risk-based capital ratio | 12.0745% | 6,202 |
| Memoranda: | ||
| Average total assets | $413,850,400 | 1,594 |
| Average earning assets | $381,444,800 | 1,589 |
| Average equity | $23,706,000 | 2,751 |
| Average total loans | $220,762,800 | 1,853 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 4,540 |
| Cost of funding earning assets | 0.7673% | 1,498 |
| Net interest margin | 3.1233% | 5,254 |
| Noninterest income to average assets | 0.5860% | 3,240 |
| Noninterest expense to average assets | 2.7011% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7605% | 3,555 |
| Return on assets (ROA) | 0.7789% | 3,592 |
| Pretax return on assets | 0.7789% | 4,383 |
| Return on Equity (ROE) | 13.1766% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.1766% | 321 |
| Net charge-offs to loans | 1.5670% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.9032% | 4,550 |
| Efficiency ratio | 77.9471% | 2,429 |
| Assets per employee ($millions) | 3.8258% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3904% | 376 |
| Loan loss allowance to noncurrent loans | 38.6781% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 6.6173% | 321 |
| Noncurrent loans to loans | 8.7658% | 188 |
| Net loans and leases to total assets | 52.5524% | 4,812 |
| Net loans and leases to deposits | 57.3205% | 5,250 |
| Net loans and leases to core deposits | 58.9199% | 5,373 |
| Total domestic deposits to total assets | 91.6816% | 319 |
| Equity capital to assets | 5.2051% | 6,757 |
| Core capital (leverage) ratio | 6.9532% | 6,593 |
| Tier 1 risk-based capital ratio | 10.7531% | 6,380 |
| Total risk-based capital ratio | 12.0220% | 6,341 |
| Memoranda: | ||
| Average total assets | $412,021,750 | 1,612 |
| Average earning assets | $379,338,250 | 1,600 |
| Average equity | $24,355,750 | 2,722 |
| Average total loans | $221,400,500 | 1,852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 4,582 |
| Cost of funding earning assets | 0.7839% | 1,506 |
| Net interest margin | 3.0886% | 5,300 |
| Noninterest income to average assets | 0.5850% | 3,287 |
| Noninterest expense to average assets | 2.6477% | 4,231 |
| Loan and lease loss provision to assets | 0.2644% | 1,401 |
| Net operating income to assets | 0.5130% | 4,750 |
| Return on assets (ROA) | 0.5169% | 4,896 |
| Pretax return on assets | 0.5169% | 5,318 |
| Return on Equity (ROE) | 8.4236% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.4236% | 1,325 |
| Net charge-offs to loans | 2.3671% | 167 |
| Credit loss provision to net charge-offs | 20.8712% | 3,716 |
| Earnings coverage of net charge-offs (x) | 0.6136% | 4,323 |
| Efficiency ratio | 77.2173% | 2,593 |
| Assets per employee ($millions) | 3.7955% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5091% | 370 |
| Loan loss allowance to noncurrent loans | 39.4701% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 6.8501% | 348 |
| Noncurrent loans to loans | 8.8905% | 208 |
| Net loans and leases to total assets | 52.6656% | 4,782 |
| Net loans and leases to deposits | 57.6376% | 5,190 |
| Net loans and leases to core deposits | 59.2074% | 5,326 |
| Total domestic deposits to total assets | 91.3737% | 417 |
| Equity capital to assets | 5.6927% | 6,767 |
| Core capital (leverage) ratio | 6.4561% | 6,704 |
| Tier 1 risk-based capital ratio | 9.9760% | 6,639 |
| Total risk-based capital ratio | 11.2462% | 6,615 |
| Memoranda: | ||
| Average total assets | $416,736,000 | 1,596 |
| Average earning assets | $383,215,670 | 1,584 |
| Average equity | $25,571,000 | 2,618 |
| Average total loans | $223,056,330 | 1,834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,926 |
| Cost of funding earning assets | 0.8176% | 1,431 |
| Net interest margin | 2.9516% | 5,702 |
| Noninterest income to average assets | 0.6674% | 2,776 |
| Noninterest expense to average assets | 2.6276% | 4,313 |
| Loan and lease loss provision to assets | 0.5246% | 507 |
| Net operating income to assets | 0.2199% | 5,821 |
| Return on assets (ROA) | 0.2247% | 5,933 |
| Pretax return on assets | 0.2247% | 6,032 |
| Return on Equity (ROE) | 3.5370% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.5370% | 4,120 |
| Net charge-offs to loans | 1.7044% | 292 |
| Credit loss provision to net charge-offs | 58.0611% | 2,483 |
| Earnings coverage of net charge-offs (x) | 0.8240% | 3,553 |
| Efficiency ratio | 77.8374% | 2,632 |
| Assets per employee ($millions) | 4.2842% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2706% | 232 |
| Loan loss allowance to noncurrent loans | 40.1684% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 8.0833% | 308 |
| Noncurrent loans to loans | 10.6318% | 186 |
| Net loans and leases to total assets | 50.9443% | 4,854 |
| Net loans and leases to deposits | 56.0749% | 5,231 |
| Net loans and leases to core deposits | 57.6204% | 5,371 |
| Total domestic deposits to total assets | 90.8504% | 592 |
| Equity capital to assets | 6.3634% | 6,799 |
| Core capital (leverage) ratio | 6.2389% | 6,773 |
| Tier 1 risk-based capital ratio | 9.5748% | 6,752 |
| Total risk-based capital ratio | 10.8525% | 6,731 |
| Memoranda: | ||
| Average total assets | $420,149,500 | 1,600 |
| Average earning assets | $385,016,500 | 1,594 |
| Average equity | $26,689,000 | 2,545 |
| Average total loans | $222,718,500 | 1,850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 4,056 |
| Cost of funding earning assets | 0.9841% | 1,438 |
| Net interest margin | 3.3566% | 5,047 |
| Noninterest income to average assets | 0.6426% | 3,036 |
| Noninterest expense to average assets | 2.6552% | 4,557 |
| Loan and lease loss provision to assets | 1.5629% | 194 |
| Net operating income to assets | -0.5560% | 6,595 |
| Return on assets (ROA) | -0.4519% | 6,586 |
| Pretax return on assets | -0.4519% | 6,551 |
| Return on Equity (ROE) | -7.0177% | 6,656 |
| Retained earnings to average equity (ytd only) | -7.0177% | 6,529 |
| Net charge-offs to loans | 3.5422% | 103 |
| Credit loss provision to net charge-offs | 77.5151% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.4994% | 5,237 |
| Efficiency ratio | 72.4248% | 3,337 |
| Assets per employee ($millions) | 3.8573% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4774% | 195 |
| Loan loss allowance to noncurrent loans | 42.9819% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 7.8942% | 357 |
| Noncurrent loans to loans | 10.4169% | 212 |
| Net loans and leases to total assets | 50.4379% | 5,108 |
| Net loans and leases to deposits | 55.4181% | 5,497 |
| Net loans and leases to core deposits | 56.7602% | 5,652 |
| Total domestic deposits to total assets | 91.0134% | 489 |
| Equity capital to assets | 6.3411% | 6,857 |
| Core capital (leverage) ratio | 6.4131% | 6,810 |
| Tier 1 risk-based capital ratio | 9.7003% | 6,770 |
| Total risk-based capital ratio | 10.9805% | 6,742 |
| Memoranda: | ||
| Average total assets | $411,149,000 | 1,594 |
| Average earning assets | $369,867,600 | 1,616 |
| Average equity | $26,475,800 | 2,523 |
| Average total loans | $234,034,600 | 1,743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 4,099 |
| Cost of funding earning assets | 1.0184% | 1,459 |
| Net interest margin | 3.3699% | 5,138 |
| Noninterest income to average assets | 0.5913% | 3,338 |
| Noninterest expense to average assets | 2.6752% | 4,474 |
| Loan and lease loss provision to assets | 1.9979% | 122 |
| Net operating income to assets | -1.0612% | 6,877 |
| Return on assets (ROA) | -0.9216% | 6,865 |
| Pretax return on assets | -0.9216% | 6,840 |
| Return on Equity (ROE) | -14.2565% | 6,922 |
| Retained earnings to average equity (ytd only) | -14.2565% | 6,894 |
| Net charge-offs to loans | 3.9885% | 88 |
| Credit loss provision to net charge-offs | 86.3912% | 3,420 |
| Earnings coverage of net charge-offs (x) | 0.4050% | 5,127 |
| Efficiency ratio | 73.9865% | 2,984 |
| Assets per employee ($millions) | 3.9366% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7112% | 178 |
| Loan loss allowance to noncurrent loans | 44.9770% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 8.4989% | 344 |
| Noncurrent loans to loans | 10.4746% | 225 |
| Net loans and leases to total assets | 53.5489% | 4,814 |
| Net loans and leases to deposits | 60.5030% | 5,146 |
| Net loans and leases to core deposits | 62.2115% | 5,340 |
| Total domestic deposits to total assets | 88.5062% | 1,720 |
| Equity capital to assets | 6.3473% | 6,962 |
| Core capital (leverage) ratio | 6.1466% | 6,937 |
| Tier 1 risk-based capital ratio | 9.2481% | 6,922 |
| Total risk-based capital ratio | 10.5323% | 6,919 |
| Memoranda: | ||
| Average total assets | $408,824,750 | 1,611 |
| Average earning assets | $366,453,750 | 1,650 |
| Average equity | $26,429,500 | 2,550 |
| Average total loans | $237,042,250 | 1,745 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 4,111 |
| Cost of funding earning assets | 1.0399% | 1,527 |
| Net interest margin | 3.3788% | 5,170 |
| Noninterest income to average assets | 0.4870% | 4,012 |
| Noninterest expense to average assets | 2.6493% | 4,609 |
| Loan and lease loss provision to assets | 2.6846% | 77 |
| Net operating income to assets | -1.8334% | 7,055 |
| Return on assets (ROA) | -1.6240% | 7,044 |
| Pretax return on assets | -1.6240% | 7,023 |
| Return on Equity (ROE) | -24.9686% | 7,071 |
| Retained earnings to average equity (ytd only) | -24.9686% | 7,057 |
| Net charge-offs to loans | 5.2815% | 54 |
| Credit loss provision to net charge-offs | 86.7742% | 3,136 |
| Earnings coverage of net charge-offs (x) | 0.2751% | 4,942 |
| Efficiency ratio | 75.6012% | 2,810 |
| Assets per employee ($millions) | 4.0115% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8710% | 178 |
| Loan loss allowance to noncurrent loans | 46.7958% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 8.0455% | 427 |
| Noncurrent loans to loans | 10.4091% | 238 |
| Net loans and leases to total assets | 52.3496% | 5,051 |
| Net loans and leases to deposits | 58.0088% | 5,448 |
| Net loans and leases to core deposits | 59.6114% | 5,630 |
| Total domestic deposits to total assets | 90.2442% | 797 |
| Equity capital to assets | 6.3445% | 7,000 |
| Core capital (leverage) ratio | 5.9541% | 6,995 |
| Tier 1 risk-based capital ratio | 9.1834% | 6,962 |
| Total risk-based capital ratio | 10.4686% | 6,956 |
| Memoranda: | ||
| Average total assets | $408,631,330 | 1,618 |
| Average earning assets | $364,445,000 | 1,659 |
| Average equity | $26,577,330 | 2,522 |
| Average total loans | $239,366,000 | 1,725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 3,763 |
| Cost of funding earning assets | 1.0740% | 1,527 |
| Net interest margin | 3.4643% | 4,850 |
| Noninterest income to average assets | 0.6269% | 3,074 |
| Noninterest expense to average assets | 2.6898% | 4,460 |
| Loan and lease loss provision to assets | 2.7133% | 86 |
| Net operating income to assets | -1.7210% | 7,129 |
| Return on assets (ROA) | -1.7024% | 7,130 |
| Pretax return on assets | -1.7024% | 7,105 |
| Return on Equity (ROE) | -25.8573% | 7,150 |
| Retained earnings to average equity (ytd only) | -25.8573% | 7,107 |
| Net charge-offs to loans | 4.7406% | 109 |
| Credit loss provision to net charge-offs | 94.8305% | 2,461 |
| Earnings coverage of net charge-offs (x) | 0.3468% | 4,187 |
| Efficiency ratio | 72.9715% | 3,260 |
| Assets per employee ($millions) | 4.0010% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8698% | 195 |
| Loan loss allowance to noncurrent loans | 39.1566% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 9.1457% | 381 |
| Noncurrent loans to loans | 12.4366% | 183 |
| Net loans and leases to total assets | 55.7799% | 4,424 |
| Net loans and leases to deposits | 61.7555% | 4,953 |
| Net loans and leases to core deposits | 63.4499% | 5,176 |
| Total domestic deposits to total assets | 90.3238% | 897 |
| Equity capital to assets | 6.2366% | 7,045 |
| Core capital (leverage) ratio | 6.1419% | 7,021 |
| Tier 1 risk-based capital ratio | 8.9543% | 7,037 |
| Total risk-based capital ratio | 10.2401% | 7,036 |
| Memoranda: | ||
| Average total assets | $408,360,000 | 1,623 |
| Average earning assets | $360,132,500 | 1,685 |
| Average equity | $26,886,000 | 2,484 |
| Average total loans | $246,464,500 | 1,680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8045% | 3,788 |
| Cost of funding earning assets | 1.2298% | 1,838 |
| Net interest margin | 3.5747% | 4,828 |
| Noninterest income to average assets | 0.6723% | 2,773 |
| Noninterest expense to average assets | 2.6509% | 4,918 |
| Loan and lease loss provision to assets | 1.9239% | 327 |
| Net operating income to assets | -0.6976% | 6,607 |
| Return on assets (ROA) | -0.5736% | 6,581 |
| Pretax return on assets | -0.5736% | 6,538 |
| Return on Equity (ROE) | -7.9373% | 6,674 |
| Retained earnings to average equity (ytd only) | -7.9373% | 6,621 |
| Net charge-offs to loans | 2.0105% | 684 |
| Credit loss provision to net charge-offs | 142.5101% | 2,043 |
| Earnings coverage of net charge-offs (x) | 0.9084% | 5,123 |
| Efficiency ratio | 68.2942% | 4,297 |
| Assets per employee ($millions) | 3.8188% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6539% | 227 |
| Loan loss allowance to noncurrent loans | 40.8316% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 9.2985% | 379 |
| Noncurrent loans to loans | 11.3978% | 248 |
| Net loans and leases to total assets | 59.1832% | 4,155 |
| Net loans and leases to deposits | 65.9662% | 4,736 |
| Net loans and leases to core deposits | 67.8699% | 5,043 |
| Total domestic deposits to total assets | 89.7175% | 1,148 |
| Equity capital to assets | 6.9307% | 6,979 |
| Core capital (leverage) ratio | 6.7658% | 6,928 |
| Tier 1 risk-based capital ratio | 9.1922% | 7,004 |
| Total risk-based capital ratio | 10.4767% | 6,998 |
| Memoranda: | ||
| Average total assets | $402,512,200 | 1,614 |
| Average earning assets | $360,873,600 | 1,641 |
| Average equity | $29,090,400 | 2,266 |
| Average total loans | $270,285,600 | 1,564 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 4,201 |
| Cost of funding earning assets | 1.2594% | 1,937 |
| Net interest margin | 3.4971% | 5,203 |
| Noninterest income to average assets | 0.6783% | 2,730 |
| Noninterest expense to average assets | 2.7315% | 4,605 |
| Loan and lease loss provision to assets | 2.3495% | 200 |
| Net operating income to assets | -1.2266% | 6,967 |
| Return on assets (ROA) | -1.0830% | 6,943 |
| Pretax return on assets | -1.0830% | 6,902 |
| Return on Equity (ROE) | -14.8296% | 7,010 |
| Retained earnings to average equity (ytd only) | -14.8296% | 6,985 |
| Net charge-offs to loans | 0.6709% | 2,231 |
| Credit loss provision to net charge-offs | 511.6582% | 536 |
| Earnings coverage of net charge-offs (x) | 2.4453% | 3,906 |
| Efficiency ratio | 70.7902% | 3,788 |
| Assets per employee ($millions) | 4.1781% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7366% | 113 |
| Loan loss allowance to noncurrent loans | 53.7598% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 9.3181% | 407 |
| Noncurrent loans to loans | 10.6707% | 316 |
| Net loans and leases to total assets | 63.5043% | 3,411 |
| Net loans and leases to deposits | 72.1444% | 3,964 |
| Net loans and leases to core deposits | 74.0391% | 4,438 |
| Total domestic deposits to total assets | 88.0239% | 2,021 |
| Equity capital to assets | 7.0444% | 7,047 |
| Core capital (leverage) ratio | 6.5054% | 7,071 |
| Tier 1 risk-based capital ratio | 8.8194% | 7,133 |
| Total risk-based capital ratio | 10.1181% | 7,130 |
| Memoranda: | ||
| Average total assets | $400,986,250 | 1,626 |
| Average earning assets | $364,181,750 | 1,631 |
| Average equity | $29,283,000 | 2,246 |
| Average total loans | $274,448,000 | 1,559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 3,579 |
| Cost of funding earning assets | 1.2847% | 2,039 |
| Net interest margin | 3.6240% | 4,633 |
| Noninterest income to average assets | 0.5895% | 3,199 |
| Noninterest expense to average assets | 2.6770% | 4,911 |
| Loan and lease loss provision to assets | 0.8312% | 1,094 |
| Net operating income to assets | 0.3750% | 5,057 |
| Return on assets (ROA) | 0.5860% | 4,256 |
| Pretax return on assets | 0.5860% | 4,786 |
| Return on Equity (ROE) | 7.9337% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.9337% | 1,483 |
| Net charge-offs to loans | 0.1109% | 4,588 |
| Credit loss provision to net charge-offs | 1,089.6104% | 310 |
| Earnings coverage of net charge-offs (x) | 15.8117% | 1,382 |
| Efficiency ratio | 68.8608% | 4,354 |
| Assets per employee ($millions) | 4.2946% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0909% | 392 |
| Loan loss allowance to noncurrent loans | 42.4930% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 8.4166% | 523 |
| Noncurrent loans to loans | 9.6272% | 411 |
| Net loans and leases to total assets | 63.9884% | 3,466 |
| Net loans and leases to deposits | 74.1408% | 3,790 |
| Net loans and leases to core deposits | 76.2535% | 4,282 |
| Total domestic deposits to total assets | 86.3065% | 3,152 |
| Equity capital to assets | 7.8536% | 6,769 |
| Core capital (leverage) ratio | 7.5256% | 6,725 |
| Tier 1 risk-based capital ratio | 9.9646% | 6,991 |
| Total risk-based capital ratio | 11.2442% | 6,977 |
| Memoranda: | ||
| Average total assets | $403,735,330 | 1,628 |
| Average earning assets | $366,942,000 | 1,636 |
| Average equity | $29,822,000 | 2,193 |
| Average total loans | $277,736,000 | 1,559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 3,596 |
| Cost of funding earning assets | 1.3259% | 2,036 |
| Net interest margin | 3.5740% | 4,696 |
| Noninterest income to average assets | 0.6449% | 2,875 |
| Noninterest expense to average assets | 2.6531% | 5,021 |
| Loan and lease loss provision to assets | 0.8153% | 1,028 |
| Net operating income to assets | 0.4210% | 4,851 |
| Return on assets (ROA) | 0.8352% | 2,916 |
| Pretax return on assets | 0.8352% | 3,766 |
| Return on Equity (ROE) | 11.6755% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.6755% | 784 |
| Net charge-offs to loans | -0.0057% | 6,263 |
| Credit loss provision to net charge-offs | -20,575.0000% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1355% | 4,631 |
| Assets per employee ($millions) | 4.2681% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6998% | 527 |
| Loan loss allowance to noncurrent loans | 46.0348% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 7.6687% | 638 |
| Noncurrent loans to loans | 8.0369% | 618 |
| Net loans and leases to total assets | 66.9594% | 2,768 |
| Net loans and leases to deposits | 80.1645% | 2,696 |
| Net loans and leases to core deposits | 82.6786% | 3,354 |
| Total domestic deposits to total assets | 83.5274% | 4,688 |
| Equity capital to assets | 7.7029% | 6,744 |
| Core capital (leverage) ratio | 7.4550% | 6,756 |
| Tier 1 risk-based capital ratio | 9.6139% | 7,119 |
| Total risk-based capital ratio | 10.8903% | 7,123 |
| Memoranda: | ||
| Average total assets | $403,758,500 | 1,636 |
| Average earning assets | $366,539,000 | 1,645 |
| Average equity | $28,881,000 | 2,239 |
| Average total loans | $281,938,000 | 1,555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 3,470 |
| Cost of funding earning assets | 1.8042% | 1,157 |
| Net interest margin | 3.4244% | 5,531 |
| Noninterest income to average assets | 0.6873% | 2,920 |
| Noninterest expense to average assets | 2.7674% | 4,717 |
| Loan and lease loss provision to assets | 1.9452% | 689 |
| Net operating income to assets | -0.9033% | 6,633 |
| Return on assets (ROA) | -0.8987% | 6,659 |
| Pretax return on assets | -0.8987% | 6,577 |
| Return on Equity (ROE) | -13.2763% | 6,854 |
| Retained earnings to average equity (ytd only) | -13.2763% | 6,806 |
| Net charge-offs to loans | 1.2859% | 1,740 |
| Credit loss provision to net charge-offs | 211.2261% | 1,450 |
| Earnings coverage of net charge-offs (x) | 1.1314% | 4,977 |
| Efficiency ratio | 72.5715% | 3,688 |
| Assets per employee ($millions) | 3.8332% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3322% | 665 |
| Loan loss allowance to noncurrent loans | 54.1740% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 6.4445% | 882 |
| Noncurrent loans to loans | 6.1510% | 1,004 |
| Net loans and leases to total assets | 67.7845% | 3,034 |
| Net loans and leases to deposits | 83.3432% | 2,561 |
| Net loans and leases to core deposits | 86.1013% | 3,305 |
| Total domestic deposits to total assets | 81.3318% | 5,410 |
| Equity capital to assets | 6.6101% | 7,230 |
| Core capital (leverage) ratio | 6.6241% | 7,166 |
| Tier 1 risk-based capital ratio | 8.1971% | 7,337 |
| Total risk-based capital ratio | 9.4687% | 7,343 |
| Memoranda: | ||
| Average total assets | $409,154,200 | 1,613 |
| Average earning assets | $373,026,200 | 1,613 |
| Average equity | $27,696,000 | 2,332 |
| Average total loans | $293,014,600 | 1,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2088% | 3,786 |
| Cost of funding earning assets | 1.9089% | 1,003 |
| Net interest margin | 3.2999% | 6,019 |
| Noninterest income to average assets | 0.6802% | 2,945 |
| Noninterest expense to average assets | 2.8617% | 4,237 |
| Loan and lease loss provision to assets | 2.2605% | 492 |
| Net operating income to assets | -1.4222% | 7,084 |
| Return on assets (ROA) | -1.4160% | 7,103 |
| Pretax return on assets | -1.4160% | 7,021 |
| Return on Equity (ROE) | -20.7982% | 7,240 |
| Retained earnings to average equity (ytd only) | -20.7982% | 7,226 |
| Net charge-offs to loans | 1.4063% | 1,449 |
| Credit loss provision to net charge-offs | 223.2969% | 1,551 |
| Earnings coverage of net charge-offs (x) | 0.8281% | 5,228 |
| Efficiency ratio | 77.2639% | 2,730 |
| Assets per employee ($millions) | 3.7293% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0927% | 764 |
| Loan loss allowance to noncurrent loans | 66.4969% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 5.3461% | 1,168 |
| Noncurrent loans to loans | 4.6509% | 1,529 |
| Net loans and leases to total assets | 73.1395% | 1,989 |
| Net loans and leases to deposits | 86.3981% | 2,258 |
| Net loans and leases to core deposits | 94.1891% | 2,503 |
| Total domestic deposits to total assets | 84.6540% | 3,799 |
| Equity capital to assets | 6.9302% | 7,361 |
| Core capital (leverage) ratio | 6.3950% | 7,361 |
| Tier 1 risk-based capital ratio | 7.8782% | 7,491 |
| Total risk-based capital ratio | 9.1478% | 7,491 |
| Memoranda: | ||
| Average total assets | $409,863,500 | 1,639 |
| Average earning assets | $375,071,750 | 1,628 |
| Average equity | $27,905,500 | 2,344 |
| Average total loans | $295,039,750 | 1,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 4,286 |
| Cost of funding earning assets | 2.0248% | 840 |
| Net interest margin | 3.1071% | 6,595 |
| Noninterest income to average assets | 0.7544% | 2,364 |
| Noninterest expense to average assets | 2.8282% | 4,364 |
| Loan and lease loss provision to assets | 2.7575% | 386 |
| Net operating income to assets | -2.0002% | 7,305 |
| Return on assets (ROA) | -2.0007% | 7,312 |
| Pretax return on assets | -2.0007% | 7,238 |
| Return on Equity (ROE) | -29.5508% | 7,430 |
| Retained earnings to average equity (ytd only) | -29.5508% | 7,414 |
| Net charge-offs to loans | 2.0775% | 869 |
| Credit loss provision to net charge-offs | 187.2347% | 2,109 |
| Earnings coverage of net charge-offs (x) | 0.5142% | 5,213 |
| Efficiency ratio | 78.7984% | 2,605 |
| Assets per employee ($millions) | 3.8253% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7554% | 1,038 |
| Loan loss allowance to noncurrent loans | 46.5150% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 6.9964% | 756 |
| Noncurrent loans to loans | 5.9237% | 1,084 |
| Net loans and leases to total assets | 68.7636% | 3,180 |
| Net loans and leases to deposits | 83.0208% | 3,073 |
| Net loans and leases to core deposits | 91.1336% | 3,102 |
| Total domestic deposits to total assets | 82.8270% | 4,643 |
| Equity capital to assets | 6.5718% | 7,462 |
| Core capital (leverage) ratio | 6.1748% | 7,452 |
| Tier 1 risk-based capital ratio | 7.8637% | 7,531 |
| Total risk-based capital ratio | 9.1284% | 7,540 |
| Memoranda: | ||
| Average total assets | $415,959,670 | 1,632 |
| Average earning assets | $378,999,000 | 1,630 |
| Average equity | $28,161,670 | 2,326 |
| Average total loans | $294,874,330 | 1,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9898% | 5,061 |
| Cost of funding earning assets | 2.0739% | 876 |
| Net interest margin | 2.9158% | 6,993 |
| Noninterest income to average assets | 0.7231% | 2,442 |
| Noninterest expense to average assets | 2.6903% | 4,951 |
| Loan and lease loss provision to assets | 2.9174% | 344 |
| Net operating income to assets | -2.2181% | 7,505 |
| Return on assets (ROA) | -2.2181% | 7,514 |
| Pretax return on assets | -2.2181% | 7,463 |
| Return on Equity (ROE) | -32.2995% | 7,599 |
| Retained earnings to average equity (ytd only) | -32.2995% | 7,577 |
| Net charge-offs to loans | 0.8441% | 1,848 |
| Credit loss provision to net charge-offs | 486.9427% | 872 |
| Earnings coverage of net charge-offs (x) | 1.1672% | 4,064 |
| Efficiency ratio | 79.2851% | 2,674 |
| Assets per employee ($millions) | 4.2871% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6431% | 1,135 |
| Loan loss allowance to noncurrent loans | 61.5636% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 6.1303% | 962 |
| Noncurrent loans to loans | 4.2933% | 1,775 |
| Net loans and leases to total assets | 68.4954% | 3,276 |
| Net loans and leases to deposits | 84.7900% | 2,802 |
| Net loans and leases to core deposits | 87.5962% | 3,665 |
| Total domestic deposits to total assets | 80.7824% | 5,526 |
| Equity capital to assets | 6.6584% | 7,492 |
| Core capital (leverage) ratio | 6.5697% | 7,441 |
| Tier 1 risk-based capital ratio | 8.3040% | 7,580 |
| Total risk-based capital ratio | 9.5673% | 7,592 |
| Memoranda: | ||
| Average total assets | $419,284,000 | 1,659 |
| Average earning assets | $383,424,500 | 1,656 |
| Average equity | $28,793,000 | 2,303 |
| Average total loans | $297,595,500 | 1,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 4,864 |
| Cost of funding earning assets | 2.3415% | 1,489 |
| Net interest margin | 3.0228% | 6,588 |
| Noninterest income to average assets | 0.7412% | 2,735 |
| Noninterest expense to average assets | 2.6092% | 5,765 |
| Loan and lease loss provision to assets | 2.8737% | 632 |
| Net operating income to assets | -1.9376% | 7,062 |
| Return on assets (ROA) | -1.9298% | 7,063 |
| Pretax return on assets | -1.9298% | 6,912 |
| Return on Equity (ROE) | -26.7002% | 7,333 |
| Retained earnings to average equity (ytd only) | -29.1507% | 7,371 |
| Net charge-offs to loans | 3.1036% | 662 |
| Credit loss provision to net charge-offs | 127.5194% | 4,059 |
| Earnings coverage of net charge-offs (x) | 0.4154% | 5,690 |
| Efficiency ratio | 73.5149% | 3,996 |
| Assets per employee ($millions) | 3.9506% | 3,914 |
| Cash dividends to net income (ytd only)* | -9.1778% | 7,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 2,702 |
| Loan loss allowance to noncurrent loans | 37.9545% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 4.2263% | 1,550 |
| Noncurrent loans to loans | 4.6170% | 1,527 |
| Net loans and leases to total assets | 70.3346% | 3,172 |
| Net loans and leases to deposits | 91.9222% | 1,907 |
| Net loans and leases to core deposits | 108.7198% | 3,035 |
| Total domestic deposits to total assets | 76.5154% | 6,585 |
| Equity capital to assets | 7.0726% | 7,341 |
| Core capital (leverage) ratio | 7.1463% | 7,115 |
| Tier 1 risk-based capital ratio | 8.6027% | 7,571 |
| Total risk-based capital ratio | 9.8566% | 7,601 |
| Memoranda: | ||
| Average total assets | $412,158,600 | 1,673 |
| Average earning assets | $382,323,400 | 1,641 |
| Average equity | $29,790,000 | 2,242 |
| Average total loans | $299,268,200 | 1,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 5,132 |
| Cost of funding earning assets | 2.4160% | 1,576 |
| Net interest margin | 2.9429% | 6,743 |
| Noninterest income to average assets | 0.7251% | 2,850 |
| Noninterest expense to average assets | 2.5095% | 6,043 |
| Loan and lease loss provision to assets | 3.4244% | 393 |
| Net operating income to assets | -2.4760% | 7,464 |
| Return on assets (ROA) | -2.4705% | 7,459 |
| Pretax return on assets | -2.4705% | 7,337 |
| Return on Equity (ROE) | -33.9919% | 7,683 |
| Retained earnings to average equity (ytd only) | -37.2620% | 7,718 |
| Net charge-offs to loans | 3.8101% | 379 |
| Credit loss provision to net charge-offs | 123.3349% | 4,090 |
| Earnings coverage of net charge-offs (x) | 0.3416% | 5,683 |
| Efficiency ratio | 72.4885% | 4,152 |
| Assets per employee ($millions) | 3.6389% | 4,579 |
| Cash dividends to net income (ytd only)* | -9.6205% | 7,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 3,157 |
| Loan loss allowance to noncurrent loans | 31.7259% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 4.6790% | 1,283 |
| Noncurrent loans to loans | 4.9187% | 1,365 |
| Net loans and leases to total assets | 73.9804% | 2,527 |
| Net loans and leases to deposits | 96.8136% | 1,475 |
| Net loans and leases to core deposits | 114.3661% | 2,793 |
| Total domestic deposits to total assets | 76.4153% | 6,491 |
| Equity capital to assets | 7.3619% | 7,391 |
| Core capital (leverage) ratio | 7.2512% | 7,223 |
| Tier 1 risk-based capital ratio | 8.8224% | 7,673 |
| Total risk-based capital ratio | 10.0748% | 7,701 |
| Memoranda: | ||
| Average total assets | $409,519,500 | 1,701 |
| Average earning assets | $380,290,000 | 1,671 |
| Average equity | $29,763,250 | 2,274 |
| Average total loans | $298,430,750 | 1,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 5,004 |
| Cost of funding earning assets | 2.4910% | 1,645 |
| Net interest margin | 2.9354% | 6,721 |
| Noninterest income to average assets | 0.6617% | 3,253 |
| Noninterest expense to average assets | 2.3822% | 6,515 |
| Loan and lease loss provision to assets | 4.1610% | 289 |
| Net operating income to assets | -3.1615% | 7,704 |
| Return on assets (ROA) | -3.1581% | 7,703 |
| Pretax return on assets | -3.1581% | 7,606 |
| Return on Equity (ROE) | -43.6378% | 7,872 |
| Retained earnings to average equity (ytd only) | -47.3325% | 7,893 |
| Net charge-offs to loans | 5.7070% | 201 |
| Credit loss provision to net charge-offs | 101.0866% | 4,518 |
| Earnings coverage of net charge-offs (x) | 0.2428% | 5,428 |
| Efficiency ratio | 70.3709% | 4,703 |
| Assets per employee ($millions) | 3.6574% | 4,438 |
| Cash dividends to net income (ytd only)* | -8.4667% | 7,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 6,441 |
| Loan loss allowance to noncurrent loans | 27.6382% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 3.5788% | 1,738 |
| Noncurrent loans to loans | 3.5119% | 1,997 |
| Net loans and leases to total assets | 72.6574% | 3,051 |
| Net loans and leases to deposits | 94.7876% | 1,978 |
| Net loans and leases to core deposits | 111.7002% | 3,175 |
| Total domestic deposits to total assets | 76.6529% | 6,403 |
| Equity capital to assets | 7.3836% | 7,361 |
| Core capital (leverage) ratio | 7.1993% | 7,357 |
| Tier 1 risk-based capital ratio | 9.1365% | 7,622 |
| Total risk-based capital ratio | 10.0126% | 7,846 |
| Memoranda: | ||
| Average total assets | $411,387,670 | 1,707 |
| Average earning assets | $381,205,000 | 1,697 |
| Average equity | $29,772,330 | 2,282 |
| Average total loans | $296,722,670 | 1,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 5,895 |
| Cost of funding earning assets | 2.5532% | 1,728 |
| Net interest margin | 2.7464% | 7,101 |
| Noninterest income to average assets | 0.8282% | 2,186 |
| Noninterest expense to average assets | 2.4589% | 5,996 |
| Loan and lease loss provision to assets | 6.6996% | 102 |
| Net operating income to assets | -5.7843% | 8,079 |
| Return on assets (ROA) | -5.8340% | 8,073 |
| Pretax return on assets | -5.8340% | 8,040 |
| Return on Equity (ROE) | -81.4001% | 8,127 |
| Retained earnings to average equity (ytd only) | -85.1408% | 8,123 |
| Net charge-offs to loans | 9.9639% | 63 |
| Credit loss provision to net charge-offs | 93.9952% | 3,921 |
| Earnings coverage of net charge-offs (x) | 0.1284% | 4,871 |
| Efficiency ratio | 72.8150% | 4,036 |
| Assets per employee ($millions) | 3.8842% | 3,912 |
| Cash dividends to net income (ytd only)* | -4.5954% | 8,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 7,229 |
| Loan loss allowance to noncurrent loans | 40.3721% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 2.3594% | 2,426 |
| Noncurrent loans to loans | 1.9318% | 3,367 |
| Net loans and leases to total assets | 71.0699% | 3,451 |
| Net loans and leases to deposits | 87.4918% | 3,384 |
| Net loans and leases to core deposits | 101.7254% | 4,376 |
| Total domestic deposits to total assets | 81.2303% | 4,877 |
| Equity capital to assets | 7.0861% | 7,633 |
| Core capital (leverage) ratio | 6.8333% | 7,745 |
| Tier 1 risk-based capital ratio | 8.7236% | 7,902 |
| Total risk-based capital ratio | 9.4167% | 8,024 |
| Memoranda: | ||
| Average total assets | $417,755,000 | 1,707 |
| Average earning assets | $387,276,500 | 1,688 |
| Average equity | $29,941,000 | 2,279 |
| Average total loans | $298,839,000 | 1,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0681% | 5,215 |
| Cost of funding earning assets | 3.0888% | 1,540 |
| Net interest margin | 2.9793% | 6,970 |
| Noninterest income to average assets | 0.8699% | 2,108 |
| Noninterest expense to average assets | 2.5914% | 5,683 |
| Loan and lease loss provision to assets | 0.0940% | 6,188 |
| Net operating income to assets | 0.9428% | 2,823 |
| Return on assets (ROA) | 0.3560% | 5,127 |
| Pretax return on assets | 0.3560% | 5,369 |
| Return on Equity (ROE) | 4.5157% | 4,595 |
| Retained earnings to average equity (ytd only) | -4.3328% | 6,385 |
| Net charge-offs to loans | 0.0632% | 5,871 |
| Credit loss provision to net charge-offs | 222.3529% | 2,147 |
| Earnings coverage of net charge-offs (x) | 24.5294% | 1,373 |
| Efficiency ratio | 71.3424% | 4,061 |
| Assets per employee ($millions) | 3.8880% | 3,764 |
| Cash dividends to net income (ytd only)* | 195.9497% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,632 |
| Loan loss allowance to noncurrent loans | 257.4508% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,194 |
| Noncurrent loans to loans | 0.3524% | 6,313 |
| Net loans and leases to total assets | 70.7950% | 3,837 |
| Net loans and leases to deposits | 89.0753% | 3,622 |
| Net loans and leases to core deposits | 105.6048% | 4,234 |
| Total domestic deposits to total assets | 79.4777% | 5,213 |
| Equity capital to assets | 7.2459% | 7,593 |
| Core capital (leverage) ratio | 7.5668% | 7,122 |
| Tier 1 risk-based capital ratio | 9.3313% | 7,487 |
| Total risk-based capital ratio | 10.1355% | 7,888 |
| Memoranda: | ||
| Average total assets | $402,218,200 | 1,694 |
| Average earning assets | $372,373,800 | 1,671 |
| Average equity | $31,711,600 | 2,135 |
| Average total loans | $269,184,000 | 1,777 |