Home > Peoples Bank & Trust Company of Hazard > Performance and Condition Ratios
Peoples Bank & Trust Company of Hazard, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 1,308 |
| Cost of funding earning assets | 1.7306% | 1,385 |
| Net interest margin | 3.6713% | 1,810 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.8375% | 1,413 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7972% | 2,879 |
| Return on assets (ROA) | 0.6414% | 3,313 |
| Pretax return on assets | 0.8285% | 3,142 |
| Return on Equity (ROE) | 14.7800% | 1,328 |
| Retained earnings to average equity (ytd only) | 14.7830% | 339 |
| Net charge-offs to loans | 0.0215% | 1,907 |
| Credit loss provision to net charge-offs | 204.1667% | 1,212 |
| Earnings coverage of net charge-offs (x) | 67.9375% | 1,114 |
| Efficiency ratio | 72.8499% | 1,570 |
| Assets per employee ($millions) | 5.6206% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 1,867 |
| Loan loss allowance to noncurrent loans | 78.5880% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 328 |
| Noncurrent loans to loans | 1.6312% | 393 |
| Net loans and leases to total assets | 72.0500% | 1,576 |
| Net loans and leases to deposits | 78.1252% | 2,247 |
| Net loans and leases to core deposits | 86.4195% | 2,283 |
| Total domestic deposits to total assets | 92.2200% | 274 |
| Equity capital to assets | 4.6734% | 4,451 |
| Core capital (leverage) ratio | 8.4336% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1661% | 2,187 |
| Memoranda: | ||
| Average total assets | $308,372,200 | 2,388 |
| Average earning assets | $282,622,800 | 2,399 |
| Average equity | $13,380,200 | 3,389 |
| Average total loans | $223,761,800 | 2,136 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 1,288 |
| Cost of funding earning assets | 1.4979% | 1,612 |
| Net interest margin | 3.8051% | 1,582 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.8643% | 1,296 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9638% | 2,467 |
| Return on assets (ROA) | 0.9453% | 2,518 |
| Pretax return on assets | 1.0764% | 2,638 |
| Return on Equity (ROE) | 22.2400% | 543 |
| Retained earnings to average equity (ytd only) | 22.2449% | 185 |
| Net charge-offs to loans | 0.0091% | 2,069 |
| Credit loss provision to net charge-offs | 666.6667% | 526 |
| Earnings coverage of net charge-offs (x) | 173.4667% | 660 |
| Efficiency ratio | 71.5068% | 1,621 |
| Assets per employee ($millions) | 5.0487% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 1,801 |
| Loan loss allowance to noncurrent loans | 150.3899% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 756 |
| Noncurrent loans to loans | 0.8738% | 948 |
| Net loans and leases to total assets | 72.8600% | 1,483 |
| Net loans and leases to deposits | 78.7138% | 2,172 |
| Net loans and leases to core deposits | 86.6178% | 2,146 |
| Total domestic deposits to total assets | 92.5600% | 367 |
| Equity capital to assets | 4.0315% | 4,399 |
| Core capital (leverage) ratio | 8.6300% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9021% | 2,298 |
| Memoranda: | ||
| Average total assets | $303,967,000 | 2,415 |
| Average earning assets | $278,076,750 | 2,429 |
| Average equity | $12,916,500 | 3,430 |
| Average total loans | $220,222,000 | 2,155 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 1,233 |
| Cost of funding earning assets | 1.2288% | 1,907 |
| Net interest margin | 3.9584% | 1,314 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.8824% | 1,252 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9742% | 2,508 |
| Return on assets (ROA) | 0.9470% | 2,584 |
| Pretax return on assets | 1.1161% | 2,598 |
| Return on Equity (ROE) | 21.8900% | 546 |
| Retained earnings to average equity (ytd only) | 21.8881% | 188 |
| Net charge-offs to loans | 0.0102% | 1,819 |
| Credit loss provision to net charge-offs | 909.0909% | 437 |
| Earnings coverage of net charge-offs (x) | 165.2727% | 702 |
| Efficiency ratio | 70.3474% | 1,735 |
| Assets per employee ($millions) | 4.8099% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,564 |
| Loan loss allowance to noncurrent loans | 143.8082% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 574 |
| Noncurrent loans to loans | 0.9675% | 778 |
| Net loans and leases to total assets | 72.2500% | 1,500 |
| Net loans and leases to deposits | 78.5963% | 2,082 |
| Net loans and leases to core deposits | 86.6689% | 2,022 |
| Total domestic deposits to total assets | 91.9200% | 429 |
| Equity capital to assets | 4.6148% | 4,429 |
| Core capital (leverage) ratio | 8.8251% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1329% | 2,241 |
| Memoranda: | ||
| Average total assets | $299,266,333 | 2,441 |
| Average earning assets | $273,446,667 | 2,459 |
| Average equity | $12,947,667 | 3,439 |
| Average total loans | $215,352,000 | 2,186 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 1,188 |
| Cost of funding earning assets | 1.0339% | 1,935 |
| Net interest margin | 3.9884% | 1,282 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.8999% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9647% | 2,641 |
| Return on assets (ROA) | 0.9657% | 2,598 |
| Pretax return on assets | 1.1877% | 2,456 |
| Return on Equity (ROE) | 23.1100% | 499 |
| Retained earnings to average equity (ytd only) | 23.1063% | 238 |
| Net charge-offs to loans | 0.0132% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 681 |
| Efficiency ratio | 70.9677% | 1,644 |
| Assets per employee ($millions) | 4.8070% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,701 |
| Loan loss allowance to noncurrent loans | 137.2306% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 498 |
| Noncurrent loans to loans | 1.0057% | 722 |
| Net loans and leases to total assets | 70.6200% | 1,563 |
| Net loans and leases to deposits | 75.9536% | 2,122 |
| Net loans and leases to core deposits | 83.5736% | 2,015 |
| Total domestic deposits to total assets | 92.9800% | 312 |
| Equity capital to assets | 4.4617% | 4,499 |
| Core capital (leverage) ratio | 8.6777% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0875% | 2,361 |
| Memoranda: | ||
| Average total assets | $297,386,500 | 2,485 |
| Average earning assets | $271,589,500 | 2,497 |
| Average equity | $12,429,500 | 3,532 |
| Average total loans | $212,022,000 | 2,227 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 816 |
| Cost of funding earning assets | 0.5713% | 1,012 |
| Net interest margin | 3.8710% | 1,030 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 3.0713% | 870 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.9683% | 2,684 |
| Return on assets (ROA) | 0.9683% | 2,629 |
| Pretax return on assets | 0.8607% | 3,456 |
| Return on Equity (ROE) | 35.5500% | 72 |
| Retained earnings to average equity (ytd only) | 35.5526% | 23 |
| Net charge-offs to loans | -0.5340% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.7669% | 1,145 |
| Assets per employee ($millions) | 5.0333% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,342 |
| Loan loss allowance to noncurrent loans | 161.4639% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 555 |
| Noncurrent loans to loans | 0.8968% | 828 |
| Net loans and leases to total assets | 69.9400% | 1,645 |
| Net loans and leases to deposits | 73.8960% | 2,268 |
| Net loans and leases to core deposits | 80.1625% | 2,128 |
| Total domestic deposits to total assets | 94.6500% | 176 |
| Equity capital to assets | 3.8869% | 4,532 |
| Core capital (leverage) ratio | 8.5934% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8484% | 2,433 |
| Memoranda: | ||
| Average total assets | $274,082,200 | 2,581 |
| Average earning assets | $248,568,800 | 2,623 |
| Average equity | $7,465,000 | 4,152 |
| Average total loans | $182,019,200 | 2,360 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 890 |
| Cost of funding earning assets | 0.5344% | 624 |
| Net interest margin | 3.6663% | 1,230 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.9918% | 914 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9101% | 2,830 |
| Return on assets (ROA) | 0.9101% | 2,807 |
| Pretax return on assets | 0.9101% | 3,286 |
| Return on Equity (ROE) | 34.3400% | 68 |
| Retained earnings to average equity (ytd only) | 34.3423% | 26 |
| Net charge-offs to loans | -0.5531% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.8733% | 1,290 |
| Assets per employee ($millions) | 4.8949% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,940 |
| Loan loss allowance to noncurrent loans | 119.3324% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 529 |
| Noncurrent loans to loans | 1.1066% | 677 |
| Net loans and leases to total assets | 66.6000% | 1,824 |
| Net loans and leases to deposits | 68.0481% | 2,532 |
| Net loans and leases to core deposits | 73.5386% | 2,383 |
| Total domestic deposits to total assets | 97.8800% | 56 |
| Equity capital to assets | 1.9674% | 4,660 |
| Core capital (leverage) ratio | 6.2043% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3990% | 3,116 |
| Memoranda: | ||
| Average total assets | $270,288,500 | 2,623 |
| Average earning assets | $244,236,000 | 2,664 |
| Average equity | $7,163,000 | 4,235 |
| Average total loans | $175,729,750 | 2,415 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 998 |
| Cost of funding earning assets | 0.4903% | 541 |
| Net interest margin | 3.4739% | 1,386 |
| Noninterest income to average assets | 0.7754% | 1,112 |
| Noninterest expense to average assets | 2.8480% | 1,084 |
| Loan and lease loss provision to assets | 0.2272% | 344 |
| Net operating income to assets | 0.8443% | 2,803 |
| Return on assets (ROA) | 0.8443% | 2,775 |
| Pretax return on assets | 0.8443% | 3,222 |
| Return on Equity (ROE) | 29.1249% | 67 |
| Retained earnings to average equity (ytd only) | 29.1249% | 24 |
| Net charge-offs to loans | -1.0181% | 4,719 |
| Credit loss provision to net charge-offs | -34.8028% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6623% | 1,671 |
| Assets per employee ($millions) | 4.5813% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,464 |
| Loan loss allowance to noncurrent loans | 120.4626% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 426 |
| Noncurrent loans to loans | 1.2271% | 649 |
| Net loans and leases to total assets | 65.6591% | 1,738 |
| Net loans and leases to deposits | 66.7882% | 2,483 |
| Net loans and leases to core deposits | 72.5307% | 2,281 |
| Total domestic deposits to total assets | 98.3094% | 20 |
| Equity capital to assets | 1.4705% | 4,745 |
| Core capital (leverage) ratio | 5.8414% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.7997% | 3,085 |
| Memoranda: | ||
| Average total assets | $264,117,333 | 2,684 |
| Average earning assets | $239,036,667 | 2,728 |
| Average equity | $7,656,667 | 4,241 |
| Average total loans | $169,330,000 | 2,468 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 1,218 |
| Cost of funding earning assets | 0.4513% | 652 |
| Net interest margin | 3.2800% | 1,619 |
| Noninterest income to average assets | 0.5705% | 1,823 |
| Noninterest expense to average assets | 2.8461% | 1,067 |
| Loan and lease loss provision to assets | 0.3092% | 198 |
| Net operating income to assets | 0.3927% | 3,968 |
| Return on assets (ROA) | 0.3927% | 3,936 |
| Pretax return on assets | 0.3927% | 4,045 |
| Return on Equity (ROE) | 10.7354% | 1,716 |
| Retained earnings to average equity (ytd only) | 10.7354% | 838 |
| Net charge-offs to loans | 0.1355% | 417 |
| Credit loss provision to net charge-offs | 363.6364% | 612 |
| Earnings coverage of net charge-offs (x) | 8.2545% | 1,519 |
| Efficiency ratio | 80.2179% | 1,135 |
| Assets per employee ($millions) | 4.3770% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,741 |
| Loan loss allowance to noncurrent loans | 27.7668% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.6887% | 78 |
| Noncurrent loans to loans | 3.5967% | 120 |
| Net loans and leases to total assets | 63.8304% | 1,640 |
| Net loans and leases to deposits | 65.7244% | 2,360 |
| Net loans and leases to core deposits | 71.3662% | 2,168 |
| Total domestic deposits to total assets | 97.1183% | 3 |
| Equity capital to assets | 2.6837% | 4,792 |
| Core capital (leverage) ratio | 5.2518% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.5620% | 3,094 |
| Memoranda: | ||
| Average total assets | $258,738,000 | 2,731 |
| Average earning assets | $234,878,500 | 2,768 |
| Average equity | $9,464,000 | 4,115 |
| Average total loans | $162,400,500 | 2,527 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 2,661 |
| Cost of funding earning assets | 0.4880% | 978 |
| Net interest margin | 3.0117% | 3,165 |
| Noninterest income to average assets | 0.3472% | 3,349 |
| Noninterest expense to average assets | 3.1633% | 769 |
| Loan and lease loss provision to assets | 0.5200% | 107 |
| Net operating income to assets | -0.6129% | 4,772 |
| Return on assets (ROA) | -0.4330% | 4,760 |
| Pretax return on assets | -0.4330% | 4,758 |
| Return on Equity (ROE) | -8.7411% | 4,798 |
| Retained earnings to average equity (ytd only) | -8.7411% | 4,750 |
| Net charge-offs to loans | 1.4641% | 38 |
| Credit loss provision to net charge-offs | 61.6636% | 2,058 |
| Earnings coverage of net charge-offs (x) | -0.1101% | 2,650 |
| Efficiency ratio | 103.0249% | 127 |
| Assets per employee ($millions) | 4.6337% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,777 |
| Loan loss allowance to noncurrent loans | 26.0182% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.8161% | 82 |
| Noncurrent loans to loans | 3.8218% | 116 |
| Net loans and leases to total assets | 60.3998% | 2,122 |
| Net loans and leases to deposits | 63.4821% | 2,737 |
| Net loans and leases to core deposits | 68.8839% | 2,564 |
| Total domestic deposits to total assets | 95.1447% | 4 |
| Equity capital to assets | 4.6615% | 4,836 |
| Core capital (leverage) ratio | 5.1312% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3669% | 3,086 |
| Memoranda: | ||
| Average total assets | $255,175,000 | 2,690 |
| Average earning assets | $230,732,400 | 2,738 |
| Average equity | $12,641,400 | 3,864 |
| Average total loans | $146,982,000 | 2,657 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5054% | 2,825 |
| Cost of funding earning assets | 0.4966% | 1,062 |
| Net interest margin | 3.0088% | 3,278 |
| Noninterest income to average assets | 0.4409% | 2,883 |
| Noninterest expense to average assets | 3.1769% | 741 |
| Loan and lease loss provision to assets | 0.4890% | 112 |
| Net operating income to assets | -0.5089% | 4,827 |
| Return on assets (ROA) | -0.2717% | 4,812 |
| Pretax return on assets | -0.2717% | 4,809 |
| Return on Equity (ROE) | -5.4232% | 4,852 |
| Retained earnings to average equity (ytd only) | -5.4232% | 4,792 |
| Net charge-offs to loans | 0.0350% | 1,378 |
| Credit loss provision to net charge-offs | 2,463.1579% | 287 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 2,419 |
| Efficiency ratio | 100.6288% | 151 |
| Assets per employee ($millions) | 4.7089% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 464 |
| Loan loss allowance to noncurrent loans | 33.7322% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 4.2234% | 43 |
| Noncurrent loans to loans | 6.4884% | 50 |
| Net loans and leases to total assets | 56.4250% | 2,682 |
| Net loans and leases to deposits | 59.2942% | 3,299 |
| Net loans and leases to core deposits | 64.0018% | 3,139 |
| Total domestic deposits to total assets | 95.1612% | 4 |
| Equity capital to assets | 4.6214% | 4,909 |
| Core capital (leverage) ratio | 5.3472% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2762% | 3,114 |
| Memoranda: | ||
| Average total assets | $255,207,500 | 2,714 |
| Average earning assets | $230,383,250 | 2,762 |
| Average equity | $12,784,250 | 3,901 |
| Average total loans | $144,858,000 | 2,716 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 2,759 |
| Cost of funding earning assets | 0.5238% | 1,072 |
| Net interest margin | 3.0305% | 3,243 |
| Noninterest income to average assets | 0.4347% | 2,929 |
| Noninterest expense to average assets | 3.1896% | 731 |
| Loan and lease loss provision to assets | 0.2922% | 295 |
| Net operating income to assets | -0.3221% | 4,843 |
| Return on assets (ROA) | 0.0331% | 4,770 |
| Pretax return on assets | 0.0331% | 4,769 |
| Return on Equity (ROE) | 0.6434% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.6434% | 4,403 |
| Net charge-offs to loans | 0.0474% | 1,155 |
| Credit loss provision to net charge-offs | 1,091.1765% | 448 |
| Earnings coverage of net charge-offs (x) | -1.1176% | 2,207 |
| Efficiency ratio | 100.9472% | 158 |
| Assets per employee ($millions) | 4.5715% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 813 |
| Loan loss allowance to noncurrent loans | 33.9178% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 3.8022% | 58 |
| Noncurrent loans to loans | 5.4555% | 70 |
| Net loans and leases to total assets | 57.1290% | 2,775 |
| Net loans and leases to deposits | 60.3649% | 3,363 |
| Net loans and leases to core deposits | 64.8248% | 3,205 |
| Total domestic deposits to total assets | 94.6395% | 5 |
| Equity capital to assets | 5.1322% | 4,941 |
| Core capital (leverage) ratio | 5.5706% | 4,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5891% | 3,094 |
| Memoranda: | ||
| Average total assets | $253,947,333 | 2,715 |
| Average earning assets | $228,348,000 | 2,771 |
| Average equity | $13,056,000 | 3,888 |
| Average total loans | $143,342,667 | 2,750 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 3,129 |
| Cost of funding earning assets | 0.5651% | 1,028 |
| Net interest margin | 2.8588% | 3,620 |
| Noninterest income to average assets | 0.2381% | 3,969 |
| Noninterest expense to average assets | 3.2014% | 718 |
| Loan and lease loss provision to assets | 0.2349% | 469 |
| Net operating income to assets | -0.6312% | 4,908 |
| Return on assets (ROA) | 0.0627% | 4,754 |
| Pretax return on assets | 0.0627% | 4,753 |
| Return on Equity (ROE) | 1.2019% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.2019% | 4,179 |
| Net charge-offs to loans | 0.0677% | 866 |
| Credit loss provision to net charge-offs | 625.0000% | 541 |
| Earnings coverage of net charge-offs (x) | -10.5417% | 1,918 |
| Efficiency ratio | 114.1262% | 92 |
| Assets per employee ($millions) | 4.4310% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 832 |
| Loan loss allowance to noncurrent loans | 29.3178% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 3.9915% | 58 |
| Noncurrent loans to loans | 6.2279% | 55 |
| Net loans and leases to total assets | 52.2415% | 3,424 |
| Net loans and leases to deposits | 54.8444% | 3,884 |
| Net loans and leases to core deposits | 58.8543% | 3,777 |
| Total domestic deposits to total assets | 95.2540% | 4 |
| Equity capital to assets | 4.5339% | 4,969 |
| Core capital (leverage) ratio | 5.9325% | 4,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6244% | 2,990 |
| Memoranda: | ||
| Average total assets | $255,385,500 | 2,703 |
| Average earning assets | $229,330,000 | 2,754 |
| Average equity | $13,312,000 | 3,870 |
| Average total loans | $141,840,000 | 2,764 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,242 |
| Cost of funding earning assets | 0.7553% | 1,424 |
| Net interest margin | 3.0661% | 3,705 |
| Noninterest income to average assets | 0.5621% | 2,365 |
| Noninterest expense to average assets | 3.2135% | 1,036 |
| Loan and lease loss provision to assets | 0.5191% | 451 |
| Net operating income to assets | -0.4241% | 4,866 |
| Return on assets (ROA) | 0.0394% | 4,740 |
| Pretax return on assets | 0.0394% | 4,735 |
| Return on Equity (ROE) | 0.6671% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.6671% | 4,324 |
| Net charge-offs to loans | 0.6162% | 246 |
| Credit loss provision to net charge-offs | 132.2647% | 2,537 |
| Earnings coverage of net charge-offs (x) | 0.2420% | 3,330 |
| Efficiency ratio | 97.1295% | 217 |
| Assets per employee ($millions) | 4.3754% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 1,254 |
| Loan loss allowance to noncurrent loans | 23.8344% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 4.6321% | 50 |
| Noncurrent loans to loans | 6.7736% | 46 |
| Net loans and leases to total assets | 56.9609% | 3,207 |
| Net loans and leases to deposits | 60.6874% | 3,708 |
| Net loans and leases to core deposits | 65.1024% | 3,627 |
| Total domestic deposits to total assets | 93.8595% | 7 |
| Equity capital to assets | 5.8997% | 4,978 |
| Core capital (leverage) ratio | 5.6267% | 4,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8733% | 3,085 |
| Memoranda: | ||
| Average total assets | $246,399,200 | 2,598 |
| Average earning assets | $220,704,400 | 2,669 |
| Average equity | $14,541,200 | 3,691 |
| Average total loans | $156,930,200 | 2,597 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 3,413 |
| Cost of funding earning assets | 0.8028% | 1,486 |
| Net interest margin | 3.0482% | 3,869 |
| Noninterest income to average assets | 0.5730% | 2,289 |
| Noninterest expense to average assets | 3.2166% | 1,048 |
| Loan and lease loss provision to assets | 0.3545% | 1,065 |
| Net operating income to assets | -0.2737% | 4,853 |
| Return on assets (ROA) | 0.0125% | 4,783 |
| Pretax return on assets | 0.0125% | 4,778 |
| Return on Equity (ROE) | 0.2125% | 4,776 |
| Retained earnings to average equity (ytd only) | 0.2125% | 4,444 |
| Net charge-offs to loans | 0.2852% | 555 |
| Credit loss provision to net charge-offs | 190.6158% | 2,146 |
| Earnings coverage of net charge-offs (x) | 0.4340% | 3,128 |
| Efficiency ratio | 97.5529% | 199 |
| Assets per employee ($millions) | 4.3113% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,246 |
| Loan loss allowance to noncurrent loans | 24.3049% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 4.7017% | 60 |
| Noncurrent loans to loans | 6.3611% | 67 |
| Net loans and leases to total assets | 60.3296% | 3,193 |
| Net loans and leases to deposits | 64.4044% | 3,765 |
| Net loans and leases to core deposits | 69.1690% | 3,686 |
| Total domestic deposits to total assets | 93.6731% | 8 |
| Equity capital to assets | 6.0754% | 5,004 |
| Core capital (leverage) ratio | 5.4259% | 5,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1636% | 3,120 |
| Memoranda: | ||
| Average total assets | $244,555,500 | 2,598 |
| Average earning assets | $218,569,500 | 2,669 |
| Average equity | $14,433,500 | 3,702 |
| Average total loans | $159,431,750 | 2,574 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,450 |
| Cost of funding earning assets | 0.8696% | 1,499 |
| Net interest margin | 3.0849% | 3,931 |
| Noninterest income to average assets | 0.6007% | 2,125 |
| Noninterest expense to average assets | 3.3009% | 997 |
| Loan and lease loss provision to assets | 0.2472% | 1,703 |
| Net operating income to assets | -0.1969% | 4,861 |
| Return on assets (ROA) | -0.1368% | 4,848 |
| Pretax return on assets | -0.1368% | 4,832 |
| Return on Equity (ROE) | -2.3412% | 4,881 |
| Retained earnings to average equity (ytd only) | -2.3412% | 4,614 |
| Net charge-offs to loans | 0.2750% | 577 |
| Credit loss provision to net charge-offs | 135.1351% | 2,204 |
| Earnings coverage of net charge-offs (x) | 0.2748% | 2,933 |
| Efficiency ratio | 98.5001% | 199 |
| Assets per employee ($millions) | 4.3804% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 1,732 |
| Loan loss allowance to noncurrent loans | 24.1855% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 4.4091% | 69 |
| Noncurrent loans to loans | 5.6123% | 85 |
| Net loans and leases to total assets | 61.1547% | 3,199 |
| Net loans and leases to deposits | 65.1100% | 3,799 |
| Net loans and leases to core deposits | 69.3179% | 3,751 |
| Total domestic deposits to total assets | 93.9252% | 8 |
| Equity capital to assets | 5.8403% | 5,040 |
| Core capital (leverage) ratio | 5.4048% | 5,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0480% | 3,202 |
| Memoranda: | ||
| Average total assets | $242,721,333 | 2,591 |
| Average earning assets | $216,409,000 | 2,663 |
| Average equity | $14,180,667 | 3,740 |
| Average total loans | $161,457,667 | 2,554 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 3,218 |
| Cost of funding earning assets | 0.9621% | 1,597 |
| Net interest margin | 3.2347% | 3,770 |
| Noninterest income to average assets | 0.6395% | 1,865 |
| Noninterest expense to average assets | 3.4879% | 954 |
| Loan and lease loss provision to assets | 0.2531% | 1,227 |
| Net operating income to assets | -0.2194% | 4,860 |
| Return on assets (ROA) | -0.0945% | 4,785 |
| Pretax return on assets | -0.0945% | 4,772 |
| Return on Equity (ROE) | -1.6171% | 4,824 |
| Retained earnings to average equity (ytd only) | -1.6171% | 4,211 |
| Net charge-offs to loans | 0.1175% | 999 |
| Credit loss provision to net charge-offs | 312.5000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 0.4167% | 2,468 |
| Efficiency ratio | 99.0417% | 254 |
| Assets per employee ($millions) | 3.9548% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,970 |
| Loan loss allowance to noncurrent loans | 37.7115% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 3.4190% | 146 |
| Noncurrent loans to loans | 3.5454% | 260 |
| Net loans and leases to total assets | 67.2342% | 2,662 |
| Net loans and leases to deposits | 71.5988% | 3,471 |
| Net loans and leases to core deposits | 76.7998% | 3,441 |
| Total domestic deposits to total assets | 93.9041% | 5 |
| Equity capital to assets | 5.8536% | 5,105 |
| Core capital (leverage) ratio | 5.7219% | 5,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7952% | 3,354 |
| Memoranda: | ||
| Average total assets | $237,050,000 | 2,578 |
| Average earning assets | $211,206,500 | 2,653 |
| Average equity | $13,852,000 | 3,787 |
| Average total loans | $163,431,500 | 2,508 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 3,069 |
| Cost of funding earning assets | 0.9223% | 2,100 |
| Net interest margin | 3.5422% | 3,309 |
| Noninterest income to average assets | 0.6796% | 1,886 |
| Noninterest expense to average assets | 3.4692% | 1,007 |
| Loan and lease loss provision to assets | 0.4630% | 284 |
| Net operating income to assets | -0.1081% | 5,004 |
| Return on assets (ROA) | -0.1081% | 5,016 |
| Pretax return on assets | -0.1081% | 5,007 |
| Return on Equity (ROE) | -1.7437% | 5,032 |
| Retained earnings to average equity (ytd only) | -1.7437% | 4,859 |
| Net charge-offs to loans | 0.8834% | 181 |
| Credit loss provision to net charge-offs | 77.4327% | 2,828 |
| Earnings coverage of net charge-offs (x) | 0.5935% | 3,606 |
| Efficiency ratio | 90.7198% | 326 |
| Assets per employee ($millions) | 3.9468% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,185 |
| Loan loss allowance to noncurrent loans | 25.2358% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 4.3778% | 80 |
| Noncurrent loans to loans | 4.9425% | 108 |
| Net loans and leases to total assets | 68.8742% | 2,559 |
| Net loans and leases to deposits | 73.3384% | 3,407 |
| Net loans and leases to core deposits | 78.6476% | 3,401 |
| Total domestic deposits to total assets | 93.9128% | 8 |
| Equity capital to assets | 5.8334% | 5,166 |
| Core capital (leverage) ratio | 5.7143% | 5,165 |
| Tier 1 risk-based capital ratio | 9.1264% | 5,163 |
| Total risk-based capital ratio | 10.3778% | 5,161 |
| Memoranda: | ||
| Average total assets | $242,331,400 | 2,511 |
| Average earning assets | $215,123,000 | 2,567 |
| Average equity | $15,025,400 | 3,636 |
| Average total loans | $164,022,000 | 2,468 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,996 |
| Cost of funding earning assets | 0.9004% | 2,234 |
| Net interest margin | 3.6188% | 3,200 |
| Noninterest income to average assets | 0.7260% | 1,680 |
| Noninterest expense to average assets | 3.3908% | 1,113 |
| Loan and lease loss provision to assets | 0.3835% | 340 |
| Net operating income to assets | 0.1597% | 4,978 |
| Return on assets (ROA) | 0.1597% | 4,994 |
| Pretax return on assets | 0.1597% | 5,008 |
| Return on Equity (ROE) | 2.5399% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.5399% | 4,076 |
| Net charge-offs to loans | 0.6392% | 252 |
| Credit loss provision to net charge-offs | 89.2994% | 2,402 |
| Earnings coverage of net charge-offs (x) | 1.2650% | 3,315 |
| Efficiency ratio | 86.1911% | 491 |
| Assets per employee ($millions) | 3.9852% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,559 |
| Loan loss allowance to noncurrent loans | 32.9471% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 4.0956% | 103 |
| Noncurrent loans to loans | 4.2624% | 151 |
| Net loans and leases to total assets | 68.7661% | 2,660 |
| Net loans and leases to deposits | 73.3939% | 3,529 |
| Net loans and leases to core deposits | 77.5907% | 3,582 |
| Total domestic deposits to total assets | 93.6945% | 6 |
| Equity capital to assets | 6.1626% | 5,242 |
| Core capital (leverage) ratio | 5.9000% | 5,243 |
| Tier 1 risk-based capital ratio | 9.6457% | 5,223 |
| Total risk-based capital ratio | 10.9009% | 5,197 |
| Memoranda: | ||
| Average total assets | $243,711,750 | 2,520 |
| Average earning assets | $216,053,500 | 2,582 |
| Average equity | $15,328,250 | 3,642 |
| Average total loans | $163,737,250 | 2,493 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 3,181 |
| Cost of funding earning assets | 0.8790% | 2,250 |
| Net interest margin | 3.5711% | 3,363 |
| Noninterest income to average assets | 0.6062% | 2,119 |
| Noninterest expense to average assets | 3.2959% | 1,290 |
| Loan and lease loss provision to assets | 0.2869% | 498 |
| Net operating income to assets | 0.1807% | 5,013 |
| Return on assets (ROA) | 0.1807% | 5,020 |
| Pretax return on assets | 0.1807% | 5,034 |
| Return on Equity (ROE) | 2.8179% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.8179% | 3,804 |
| Net charge-offs to loans | 0.5353% | 290 |
| Credit loss provision to net charge-offs | 80.8219% | 2,218 |
| Earnings coverage of net charge-offs (x) | 1.3174% | 3,026 |
| Efficiency ratio | 87.5754% | 459 |
| Assets per employee ($millions) | 3.9492% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,565 |
| Loan loss allowance to noncurrent loans | 27.5923% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 4.6919% | 82 |
| Noncurrent loans to loans | 5.1183% | 101 |
| Net loans and leases to total assets | 67.5472% | 2,880 |
| Net loans and leases to deposits | 72.5152% | 3,638 |
| Net loans and leases to core deposits | 76.2127% | 3,709 |
| Total domestic deposits to total assets | 93.1491% | 11 |
| Equity capital to assets | 6.6960% | 5,281 |
| Core capital (leverage) ratio | 5.8328% | 5,289 |
| Tier 1 risk-based capital ratio | 9.5386% | 5,270 |
| Total risk-based capital ratio | 10.7922% | 5,254 |
| Memoranda: | ||
| Average total assets | $246,792,330 | 2,512 |
| Average earning assets | $218,195,000 | 2,578 |
| Average equity | $15,827,330 | 3,600 |
| Average total loans | $163,652,330 | 2,499 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 2,606 |
| Cost of funding earning assets | 0.8440% | 2,305 |
| Net interest margin | 3.7357% | 2,761 |
| Noninterest income to average assets | 0.5558% | 2,255 |
| Noninterest expense to average assets | 3.1777% | 1,549 |
| Loan and lease loss provision to assets | 0.2787% | 484 |
| Net operating income to assets | 0.4100% | 4,709 |
| Return on assets (ROA) | 0.4100% | 4,721 |
| Pretax return on assets | 0.4100% | 4,825 |
| Return on Equity (ROE) | 6.5325% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.5325% | 2,236 |
| Net charge-offs to loans | 0.5377% | 276 |
| Credit loss provision to net charge-offs | 79.4521% | 1,785 |
| Earnings coverage of net charge-offs (x) | 1.9635% | 2,543 |
| Efficiency ratio | 82.1872% | 856 |
| Assets per employee ($millions) | 4.1035% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,553 |
| Loan loss allowance to noncurrent loans | 27.1285% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 4.5116% | 84 |
| Noncurrent loans to loans | 5.2900% | 102 |
| Net loans and leases to total assets | 64.2611% | 3,252 |
| Net loans and leases to deposits | 68.7401% | 3,860 |
| Net loans and leases to core deposits | 72.1360% | 3,934 |
| Total domestic deposits to total assets | 93.4842% | 14 |
| Equity capital to assets | 6.3564% | 5,337 |
| Core capital (leverage) ratio | 5.7709% | 5,345 |
| Tier 1 risk-based capital ratio | 9.5268% | 5,329 |
| Total risk-based capital ratio | 10.7806% | 5,311 |
| Memoranda: | ||
| Average total assets | $249,736,500 | 2,519 |
| Average earning assets | $221,326,000 | 2,581 |
| Average equity | $15,675,500 | 3,620 |
| Average total loans | $162,901,500 | 2,535 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,951 |
| Cost of funding earning assets | 0.7698% | 1,689 |
| Net interest margin | 3.5735% | 3,474 |
| Noninterest income to average assets | 0.5177% | 2,729 |
| Noninterest expense to average assets | 3.2312% | 1,474 |
| Loan and lease loss provision to assets | 2.4918% | 26 |
| Net operating income to assets | -2.0308% | 5,375 |
| Return on assets (ROA) | -2.0308% | 5,373 |
| Pretax return on assets | -2.0308% | 5,367 |
| Return on Equity (ROE) | -29.8822% | 5,388 |
| Retained earnings to average equity (ytd only) | -29.8822% | 5,386 |
| Net charge-offs to loans | 4.4825% | 20 |
| Credit loss provision to net charge-offs | 79.0296% | 2,880 |
| Earnings coverage of net charge-offs (x) | 0.1462% | 3,712 |
| Efficiency ratio | 87.5161% | 456 |
| Assets per employee ($millions) | 4.2959% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,340 |
| Loan loss allowance to noncurrent loans | 22.0709% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 5.3504% | 65 |
| Noncurrent loans to loans | 6.7291% | 59 |
| Net loans and leases to total assets | 64.2928% | 3,327 |
| Net loans and leases to deposits | 68.6676% | 3,932 |
| Net loans and leases to core deposits | 72.1508% | 3,980 |
| Total domestic deposits to total assets | 93.6290% | 17 |
| Equity capital to assets | 6.1968% | 5,375 |
| Core capital (leverage) ratio | 5.6532% | 5,389 |
| Tier 1 risk-based capital ratio | 8.5542% | 5,387 |
| Total risk-based capital ratio | 9.8080% | 5,387 |
| Memoranda: | ||
| Average total assets | $251,669,400 | 2,459 |
| Average earning assets | $223,560,000 | 2,533 |
| Average equity | $17,103,800 | 3,385 |
| Average total loans | $177,020,400 | 2,355 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,997 |
| Cost of funding earning assets | 0.7505% | 1,582 |
| Net interest margin | 3.5406% | 3,555 |
| Noninterest income to average assets | 0.5200% | 2,742 |
| Noninterest expense to average assets | 3.2104% | 1,498 |
| Loan and lease loss provision to assets | 3.2178% | 20 |
| Net operating income to assets | -2.7644% | 5,457 |
| Return on assets (ROA) | -2.7644% | 5,454 |
| Pretax return on assets | -2.7644% | 5,452 |
| Return on Equity (ROE) | -39.8093% | 5,465 |
| Retained earnings to average equity (ytd only) | -39.8093% | 5,461 |
| Net charge-offs to loans | 5.5635% | 14 |
| Credit loss provision to net charge-offs | 80.7881% | 2,519 |
| Earnings coverage of net charge-offs (x) | 0.1138% | 3,418 |
| Efficiency ratio | 87.6244% | 425 |
| Assets per employee ($millions) | 4.3945% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,214 |
| Loan loss allowance to noncurrent loans | 25.3102% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 5.0475% | 85 |
| Noncurrent loans to loans | 6.0960% | 77 |
| Net loans and leases to total assets | 65.8705% | 3,197 |
| Net loans and leases to deposits | 70.1380% | 3,909 |
| Net loans and leases to core deposits | 73.8105% | 3,961 |
| Total domestic deposits to total assets | 93.9155% | 14 |
| Equity capital to assets | 5.9259% | 5,450 |
| Core capital (leverage) ratio | 5.5485% | 5,463 |
| Tier 1 risk-based capital ratio | 7.9820% | 5,463 |
| Total risk-based capital ratio | 9.2360% | 5,462 |
| Memoranda: | ||
| Average total assets | $252,296,750 | 2,475 |
| Average earning assets | $224,021,750 | 2,544 |
| Average equity | $17,519,750 | 3,375 |
| Average total loans | $180,623,750 | 2,338 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 3,153 |
| Cost of funding earning assets | 0.7087% | 1,574 |
| Net interest margin | 3.4791% | 3,703 |
| Noninterest income to average assets | 0.5003% | 2,868 |
| Noninterest expense to average assets | 3.2454% | 1,443 |
| Loan and lease loss provision to assets | 4.7058% | 11 |
| Net operating income to assets | -4.3661% | 5,531 |
| Return on assets (ROA) | -4.3661% | 5,529 |
| Pretax return on assets | -4.3661% | 5,527 |
| Return on Equity (ROE) | -59.9072% | 5,536 |
| Retained earnings to average equity (ytd only) | -59.9072% | 5,533 |
| Net charge-offs to loans | 8.0928% | 4 |
| Credit loss provision to net charge-offs | 79.4627% | 2,263 |
| Earnings coverage of net charge-offs (x) | 0.0574% | 3,142 |
| Efficiency ratio | 90.5258% | 355 |
| Assets per employee ($millions) | 4.2514% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,557 |
| Loan loss allowance to noncurrent loans | 21.0761% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 5.3001% | 81 |
| Noncurrent loans to loans | 6.8811% | 62 |
| Net loans and leases to total assets | 66.8162% | 3,042 |
| Net loans and leases to deposits | 72.5077% | 3,674 |
| Net loans and leases to core deposits | 76.5255% | 3,699 |
| Total domestic deposits to total assets | 92.1504% | 76 |
| Equity capital to assets | 5.7504% | 5,512 |
| Core capital (leverage) ratio | 5.4594% | 5,523 |
| Tier 1 risk-based capital ratio | 7.5793% | 5,525 |
| Total risk-based capital ratio | 8.8314% | 5,527 |
| Memoranda: | ||
| Average total assets | $251,436,000 | 2,495 |
| Average earning assets | $222,931,670 | 2,565 |
| Average equity | $18,325,000 | 3,299 |
| Average total loans | $183,991,330 | 2,315 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 2,706 |
| Cost of funding earning assets | 0.6497% | 1,717 |
| Net interest margin | 3.6015% | 3,175 |
| Noninterest income to average assets | 0.5463% | 2,540 |
| Noninterest expense to average assets | 3.3004% | 1,346 |
| Loan and lease loss provision to assets | 2.1803% | 27 |
| Net operating income to assets | -1.7536% | 5,563 |
| Return on assets (ROA) | -1.7536% | 5,561 |
| Pretax return on assets | -1.7536% | 5,560 |
| Return on Equity (ROE) | -21.6664% | 5,575 |
| Retained earnings to average equity (ytd only) | -21.6664% | 5,516 |
| Net charge-offs to loans | 2.5139% | 42 |
| Credit loss provision to net charge-offs | 114.1286% | 1,420 |
| Earnings coverage of net charge-offs (x) | 0.2234% | 2,648 |
| Efficiency ratio | 88.5516% | 505 |
| Assets per employee ($millions) | 3.9365% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 325 |
| Loan loss allowance to noncurrent loans | 25.3599% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 7.5907% | 40 |
| Noncurrent loans to loans | 9.0368% | 35 |
| Net loans and leases to total assets | 72.9960% | 2,024 |
| Net loans and leases to deposits | 81.0612% | 2,691 |
| Net loans and leases to core deposits | 85.8833% | 2,814 |
| Total domestic deposits to total assets | 90.0504% | 640 |
| Equity capital to assets | 7.8149% | 5,321 |
| Core capital (leverage) ratio | 7.3787% | 5,521 |
| Tier 1 risk-based capital ratio | 9.3807% | 5,566 |
| Total risk-based capital ratio | 10.6430% | 5,552 |
| Memoranda: | ||
| Average total assets | $247,485,500 | 2,537 |
| Average earning assets | $218,577,500 | 2,626 |
| Average equity | $20,031,000 | 3,155 |
| Average total loans | $188,072,500 | 2,296 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,202 |
| Cost of funding earning assets | 0.6239% | 1,441 |
| Net interest margin | 3.7191% | 2,726 |
| Noninterest income to average assets | 0.6455% | 2,225 |
| Noninterest expense to average assets | 3.4503% | 1,126 |
| Loan and lease loss provision to assets | 1.8635% | 39 |
| Net operating income to assets | -1.3670% | 5,622 |
| Return on assets (ROA) | -1.3670% | 5,621 |
| Pretax return on assets | -1.3670% | 5,626 |
| Return on Equity (ROE) | -15.6612% | 5,629 |
| Retained earnings to average equity (ytd only) | -15.6612% | 5,598 |
| Net charge-offs to loans | 1.3531% | 121 |
| Credit loss provision to net charge-offs | 177.4181% | 1,526 |
| Earnings coverage of net charge-offs (x) | 0.4727% | 3,992 |
| Efficiency ratio | 87.4199% | 564 |
| Assets per employee ($millions) | 3.9202% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 414 |
| Loan loss allowance to noncurrent loans | 22.6964% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 8.2099% | 33 |
| Noncurrent loans to loans | 9.4159% | 30 |
| Net loans and leases to total assets | 75.6324% | 1,663 |
| Net loans and leases to deposits | 84.5571% | 2,431 |
| Net loans and leases to core deposits | 89.6525% | 2,600 |
| Total domestic deposits to total assets | 89.4453% | 800 |
| Equity capital to assets | 8.3739% | 5,212 |
| Core capital (leverage) ratio | 7.8259% | 5,488 |
| Tier 1 risk-based capital ratio | 9.7326% | 5,578 |
| Total risk-based capital ratio | 10.9926% | 5,545 |
| Memoranda: | ||
| Average total assets | $252,963,400 | 2,470 |
| Average earning assets | $224,540,800 | 2,551 |
| Average equity | $22,080,000 | 2,949 |
| Average total loans | $196,370,400 | 2,186 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,177 |
| Cost of funding earning assets | 0.6228% | 1,389 |
| Net interest margin | 3.7074% | 2,732 |
| Noninterest income to average assets | 0.6508% | 2,205 |
| Noninterest expense to average assets | 3.4205% | 1,119 |
| Loan and lease loss provision to assets | 2.3783% | 30 |
| Net operating income to assets | -1.8512% | 5,707 |
| Return on assets (ROA) | -1.8512% | 5,707 |
| Pretax return on assets | -1.8512% | 5,706 |
| Return on Equity (ROE) | -21.0013% | 5,712 |
| Retained earnings to average equity (ytd only) | -21.0013% | 5,684 |
| Net charge-offs to loans | 1.7389% | 86 |
| Credit loss provision to net charge-offs | 175.9984% | 1,498 |
| Earnings coverage of net charge-offs (x) | 0.3901% | 3,670 |
| Efficiency ratio | 86.6472% | 590 |
| Assets per employee ($millions) | 3.8795% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 538 |
| Loan loss allowance to noncurrent loans | 24.8162% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 7.2985% | 47 |
| Noncurrent loans to loans | 8.2133% | 43 |
| Net loans and leases to total assets | 78.3054% | 1,226 |
| Net loans and leases to deposits | 85.6940% | 2,337 |
| Net loans and leases to core deposits | 90.9118% | 2,537 |
| Total domestic deposits to total assets | 91.3779% | 117 |
| Equity capital to assets | 8.5055% | 5,282 |
| Core capital (leverage) ratio | 7.7757% | 5,578 |
| Tier 1 risk-based capital ratio | 9.4880% | 5,674 |
| Total risk-based capital ratio | 10.7469% | 5,648 |
| Memoranda: | ||
| Average total assets | $254,461,500 | 2,476 |
| Average earning assets | $226,279,500 | 2,555 |
| Average equity | $22,429,750 | 2,927 |
| Average total loans | $197,745,750 | 2,184 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,200 |
| Cost of funding earning assets | 0.6196% | 1,337 |
| Net interest margin | 3.6587% | 2,800 |
| Noninterest income to average assets | 0.6532% | 2,192 |
| Noninterest expense to average assets | 3.4234% | 1,123 |
| Loan and lease loss provision to assets | 3.3520% | 25 |
| Net operating income to assets | -2.8610% | 5,767 |
| Return on assets (ROA) | -2.8610% | 5,767 |
| Pretax return on assets | -2.8610% | 5,766 |
| Return on Equity (ROE) | -32.1017% | 5,768 |
| Retained earnings to average equity (ytd only) | -32.1017% | 5,747 |
| Net charge-offs to loans | 2.3008% | 65 |
| Credit loss provision to net charge-offs | 189.1856% | 1,325 |
| Earnings coverage of net charge-offs (x) | 0.2771% | 3,390 |
| Efficiency ratio | 87.4554% | 582 |
| Assets per employee ($millions) | 3.8775% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 534 |
| Loan loss allowance to noncurrent loans | 25.9992% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 6.7069% | 59 |
| Noncurrent loans to loans | 7.9591% | 49 |
| Net loans and leases to total assets | 76.2167% | 1,515 |
| Net loans and leases to deposits | 83.1051% | 2,589 |
| Net loans and leases to core deposits | 88.0802% | 2,693 |
| Total domestic deposits to total assets | 91.7112% | 102 |
| Equity capital to assets | 8.1765% | 5,459 |
| Core capital (leverage) ratio | 7.2980% | 5,679 |
| Tier 1 risk-based capital ratio | 9.5095% | 5,710 |
| Total risk-based capital ratio | 10.7700% | 5,692 |
| Memoranda: | ||
| Average total assets | $257,813,330 | 2,456 |
| Average earning assets | $229,807,670 | 2,529 |
| Average equity | $22,977,000 | 2,883 |
| Average total loans | $198,539,330 | 2,178 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,226 |
| Cost of funding earning assets | 0.6135% | 1,279 |
| Net interest margin | 3.6019% | 2,882 |
| Noninterest income to average assets | 0.6306% | 2,262 |
| Noninterest expense to average assets | 3.3387% | 1,315 |
| Loan and lease loss provision to assets | 0.4465% | 236 |
| Net operating income to assets | 0.0706% | 5,546 |
| Return on assets (ROA) | 0.0706% | 5,550 |
| Pretax return on assets | 0.0706% | 5,553 |
| Return on Equity (ROE) | 0.7615% | 5,529 |
| Retained earnings to average equity (ytd only) | 0.7615% | 4,727 |
| Net charge-offs to loans | 0.5467% | 325 |
| Credit loss provision to net charge-offs | 106.5934% | 1,507 |
| Earnings coverage of net charge-offs (x) | 1.2344% | 2,748 |
| Efficiency ratio | 86.5897% | 751 |
| Assets per employee ($millions) | 3.7453% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 4,155 |
| Loan loss allowance to noncurrent loans | 12.0106% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 6.6887% | 65 |
| Noncurrent loans to loans | 8.5064% | 50 |
| Net loans and leases to total assets | 75.3828% | 1,516 |
| Net loans and leases to deposits | 83.1307% | 2,378 |
| Net loans and leases to core deposits | 88.2574% | 2,525 |
| Total domestic deposits to total assets | 90.6799% | 399 |
| Equity capital to assets | 9.2523% | 4,567 |
| Core capital (leverage) ratio | 8.7617% | 4,991 |
| Tier 1 risk-based capital ratio | 11.2649% | 5,157 |
| Total risk-based capital ratio | 12.2749% | 5,206 |
| Memoranda: | ||
| Average total assets | $260,701,000 | 2,462 |
| Average earning assets | $233,433,000 | 2,523 |
| Average equity | $24,161,500 | 2,776 |
| Average total loans | $199,732,000 | 2,189 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,004 |
| Cost of funding earning assets | 0.6746% | 931 |
| Net interest margin | 3.6679% | 2,827 |
| Noninterest income to average assets | 0.5726% | 2,801 |
| Noninterest expense to average assets | 3.3547% | 1,457 |
| Loan and lease loss provision to assets | 0.3586% | 466 |
| Net operating income to assets | 0.1346% | 5,517 |
| Return on assets (ROA) | 0.1346% | 5,549 |
| Pretax return on assets | 0.1346% | 5,558 |
| Return on Equity (ROE) | 1.4808% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.4808% | 4,670 |
| Net charge-offs to loans | 0.4574% | 556 |
| Credit loss provision to net charge-offs | 103.4409% | 2,501 |
| Earnings coverage of net charge-offs (x) | 1.4226% | 3,987 |
| Efficiency ratio | 87.1827% | 739 |
| Assets per employee ($millions) | 3.6004% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,242 |
| Loan loss allowance to noncurrent loans | 11.7285% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 6.9213% | 68 |
| Noncurrent loans to loans | 8.6291% | 45 |
| Net loans and leases to total assets | 76.2911% | 1,468 |
| Net loans and leases to deposits | 84.2559% | 2,384 |
| Net loans and leases to core deposits | 90.0095% | 2,497 |
| Total domestic deposits to total assets | 90.5469% | 436 |
| Equity capital to assets | 9.2837% | 4,489 |
| Core capital (leverage) ratio | 8.7820% | 4,988 |
| Tier 1 risk-based capital ratio | 11.5387% | 5,033 |
| Total risk-based capital ratio | 12.5651% | 5,066 |
| Memoranda: | ||
| Average total assets | $268,252,400 | 2,376 |
| Average earning assets | $239,539,000 | 2,440 |
| Average equity | $24,379,400 | 2,771 |
| Average total loans | $203,303,600 | 2,093 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 1,939 |
| Cost of funding earning assets | 0.6821% | 895 |
| Net interest margin | 3.6901% | 2,754 |
| Noninterest income to average assets | 0.5417% | 2,965 |
| Noninterest expense to average assets | 3.2437% | 1,696 |
| Loan and lease loss provision to assets | 0.3559% | 446 |
| Net operating income to assets | 0.2351% | 5,410 |
| Return on assets (ROA) | 0.2351% | 5,482 |
| Pretax return on assets | 0.2351% | 5,533 |
| Return on Equity (ROE) | 2.6003% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.6003% | 4,355 |
| Net charge-offs to loans | 0.4486% | 471 |
| Credit loss provision to net charge-offs | 105.0946% | 2,283 |
| Earnings coverage of net charge-offs (x) | 1.7453% | 3,659 |
| Efficiency ratio | 84.5887% | 942 |
| Assets per employee ($millions) | 3.5366% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 4,367 |
| Loan loss allowance to noncurrent loans | 12.3997% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 6.5446% | 84 |
| Noncurrent loans to loans | 8.1162% | 57 |
| Net loans and leases to total assets | 76.1113% | 1,506 |
| Net loans and leases to deposits | 84.2644% | 2,456 |
| Net loans and leases to core deposits | 90.0311% | 2,573 |
| Total domestic deposits to total assets | 90.3244% | 370 |
| Equity capital to assets | 9.4547% | 4,709 |
| Core capital (leverage) ratio | 8.6156% | 5,244 |
| Tier 1 risk-based capital ratio | 11.5767% | 5,040 |
| Total risk-based capital ratio | 12.6029% | 5,081 |
| Memoranda: | ||
| Average total assets | $270,508,500 | 2,368 |
| Average earning assets | $241,397,500 | 2,432 |
| Average equity | $24,457,750 | 2,781 |
| Average total loans | $204,182,000 | 2,095 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 1,859 |
| Cost of funding earning assets | 0.6899% | 846 |
| Net interest margin | 3.6989% | 2,699 |
| Noninterest income to average assets | 0.5274% | 3,024 |
| Noninterest expense to average assets | 3.1861% | 1,843 |
| Loan and lease loss provision to assets | 0.4140% | 363 |
| Net operating income to assets | 0.2370% | 5,454 |
| Return on assets (ROA) | 0.2370% | 5,519 |
| Pretax return on assets | 0.2370% | 5,577 |
| Return on Equity (ROE) | 2.6598% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.6598% | 4,205 |
| Net charge-offs to loans | 0.5391% | 391 |
| Credit loss provision to net charge-offs | 102.3508% | 2,061 |
| Earnings coverage of net charge-offs (x) | 1.6094% | 3,386 |
| Efficiency ratio | 83.0347% | 1,139 |
| Assets per employee ($millions) | 3.5149% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 4,555 |
| Loan loss allowance to noncurrent loans | 12.3657% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 6.6843% | 90 |
| Noncurrent loans to loans | 8.0596% | 68 |
| Net loans and leases to total assets | 74.4854% | 1,732 |
| Net loans and leases to deposits | 82.2309% | 2,679 |
| Net loans and leases to core deposits | 87.6121% | 2,769 |
| Total domestic deposits to total assets | 90.5807% | 294 |
| Equity capital to assets | 9.2183% | 5,054 |
| Core capital (leverage) ratio | 8.3963% | 5,451 |
| Tier 1 risk-based capital ratio | 11.9317% | 4,872 |
| Total risk-based capital ratio | 12.9848% | 4,898 |
| Memoranda: | ||
| Average total assets | $273,441,330 | 2,347 |
| Average earning assets | $244,665,670 | 2,425 |
| Average equity | $24,362,330 | 2,800 |
| Average total loans | $205,170,670 | 2,096 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 1,695 |
| Cost of funding earning assets | 0.6931% | 833 |
| Net interest margin | 3.7431% | 2,512 |
| Noninterest income to average assets | 0.5741% | 2,660 |
| Noninterest expense to average assets | 3.1382% | 1,994 |
| Loan and lease loss provision to assets | 0.4252% | 316 |
| Net operating income to assets | 0.3615% | 5,105 |
| Return on assets (ROA) | 0.3615% | 5,190 |
| Pretax return on assets | 0.3615% | 5,376 |
| Return on Equity (ROE) | 4.1269% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.1269% | 3,421 |
| Net charge-offs to loans | 0.4072% | 554 |
| Credit loss provision to net charge-offs | 139.3365% | 1,320 |
| Earnings coverage of net charge-offs (x) | 2.5782% | 2,663 |
| Efficiency ratio | 79.9558% | 1,611 |
| Assets per employee ($millions) | 3.6254% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,544 |
| Loan loss allowance to noncurrent loans | 22.9213% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 4.0079% | 250 |
| Noncurrent loans to loans | 4.4064% | 248 |
| Net loans and leases to total assets | 73.7378% | 1,768 |
| Net loans and leases to deposits | 81.0319% | 2,670 |
| Net loans and leases to core deposits | 86.0840% | 2,739 |
| Total domestic deposits to total assets | 90.9985% | 275 |
| Equity capital to assets | 8.8810% | 5,276 |
| Core capital (leverage) ratio | 8.2232% | 5,635 |
| Tier 1 risk-based capital ratio | 11.3903% | 5,286 |
| Total risk-based capital ratio | 12.4342% | 5,313 |
| Memoranda: | ||
| Average total assets | $276,595,500 | 2,334 |
| Average earning assets | $247,600,500 | 2,405 |
| Average equity | $24,231,000 | 2,816 |
| Average total loans | $207,267,000 | 2,082 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 1,255 |
| Cost of funding earning assets | 0.7122% | 772 |
| Net interest margin | 3.9195% | 1,967 |
| Noninterest income to average assets | 0.5918% | 2,761 |
| Noninterest expense to average assets | 3.1530% | 2,081 |
| Loan and lease loss provision to assets | 0.3309% | 477 |
| Net operating income to assets | 0.6228% | 4,172 |
| Return on assets (ROA) | 0.6228% | 4,263 |
| Pretax return on assets | 0.6228% | 4,773 |
| Return on Equity (ROE) | 7.2959% | 3,364 |
| Retained earnings to average equity (ytd only) | 1.4837% | 4,875 |
| Net charge-offs to loans | 1.0314% | 194 |
| Credit loss provision to net charge-offs | 42.0449% | 3,507 |
| Earnings coverage of net charge-offs (x) | 1.2118% | 4,125 |
| Efficiency ratio | 76.7771% | 2,157 |
| Assets per employee ($millions) | 3.6534% | 4,560 |
| Cash dividends to net income (ytd only)* | 79.6640% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,866 |
| Loan loss allowance to noncurrent loans | 20.0383% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 3.9376% | 267 |
| Noncurrent loans to loans | 4.7451% | 215 |
| Net loans and leases to total assets | 74.6598% | 1,620 |
| Net loans and leases to deposits | 81.8458% | 2,609 |
| Net loans and leases to core deposits | 86.6841% | 2,732 |
| Total domestic deposits to total assets | 91.2201% | 233 |
| Equity capital to assets | 8.6408% | 5,432 |
| Core capital (leverage) ratio | 8.1340% | 5,754 |
| Tier 1 risk-based capital ratio | 10.8710% | 5,590 |
| Total risk-based capital ratio | 11.8381% | 5,660 |
| Memoranda: | ||
| Average total assets | $277,133,200 | 2,293 |
| Average earning assets | $248,527,400 | 2,348 |
| Average equity | $23,657,200 | 2,818 |
| Average total loans | $211,463,400 | 1,986 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,114 |
| Cost of funding earning assets | 0.7155% | 778 |
| Net interest margin | 3.9752% | 1,787 |
| Noninterest income to average assets | 0.5810% | 2,847 |
| Noninterest expense to average assets | 3.0541% | 2,353 |
| Loan and lease loss provision to assets | 0.2541% | 669 |
| Net operating income to assets | 0.8346% | 3,255 |
| Return on assets (ROA) | 0.8346% | 3,338 |
| Pretax return on assets | 0.8346% | 4,225 |
| Return on Equity (ROE) | 9.8074% | 2,177 |
| Retained earnings to average equity (ytd only) | 2.0305% | 4,863 |
| Net charge-offs to loans | 0.4289% | 592 |
| Credit loss provision to net charge-offs | 77.4194% | 2,653 |
| Earnings coverage of net charge-offs (x) | 3.3167% | 3,517 |
| Efficiency ratio | 73.7191% | 2,604 |
| Assets per employee ($millions) | 3.5743% | 4,661 |
| Cash dividends to net income (ytd only)* | 79.2966% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 2,145 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6867% | 1,284 |
| Noncurrent loans to loans | 1.7287% | 1,392 |
| Net loans and leases to total assets | 74.7751% | 1,591 |
| Net loans and leases to deposits | 82.1720% | 2,628 |
| Net loans and leases to core deposits | 87.0399% | 2,745 |
| Total domestic deposits to total assets | 90.9983% | 245 |
| Equity capital to assets | 8.8736% | 5,424 |
| Core capital (leverage) ratio | 8.1665% | 5,804 |
| Tier 1 risk-based capital ratio | 11.0620% | 5,627 |
| Total risk-based capital ratio | 12.3161% | 5,519 |
| Memoranda: | ||
| Average total assets | $277,002,000 | 2,308 |
| Average earning assets | $248,197,500 | 2,373 |
| Average equity | $23,573,500 | 2,849 |
| Average total loans | $212,007,000 | 1,991 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,052 |
| Cost of funding earning assets | 0.7154% | 780 |
| Net interest margin | 3.9953% | 1,648 |
| Noninterest income to average assets | 0.5682% | 2,920 |
| Noninterest expense to average assets | 3.0353% | 2,442 |
| Loan and lease loss provision to assets | 0.2583% | 655 |
| Net operating income to assets | 0.8523% | 3,120 |
| Return on assets (ROA) | 0.8523% | 3,221 |
| Pretax return on assets | 0.8523% | 4,122 |
| Return on Equity (ROE) | 10.1554% | 1,997 |
| Retained earnings to average equity (ytd only) | -1.5985% | 5,785 |
| Net charge-offs to loans | 0.3244% | 813 |
| Credit loss provision to net charge-offs | 103.7464% | 2,001 |
| Earnings coverage of net charge-offs (x) | 4.4611% | 3,039 |
| Efficiency ratio | 73.2134% | 2,798 |
| Assets per employee ($millions) | 3.6432% | 4,548 |
| Cash dividends to net income (ytd only)* | 115.7407% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 2,043 |
| Loan loss allowance to noncurrent loans | 85.9511% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 1,395 |
| Noncurrent loans to loans | 1.8176% | 1,403 |
| Net loans and leases to total assets | 74.3495% | 1,604 |
| Net loans and leases to deposits | 81.3110% | 2,635 |
| Net loans and leases to core deposits | 86.0086% | 2,765 |
| Total domestic deposits to total assets | 91.4385% | 192 |
| Equity capital to assets | 8.4481% | 5,724 |
| Core capital (leverage) ratio | 7.8521% | 5,991 |
| Tier 1 risk-based capital ratio | 10.7410% | 5,828 |
| Total risk-based capital ratio | 11.9961% | 5,763 |
| Memoranda: | ||
| Average total assets | $278,786,670 | 2,313 |
| Average earning assets | $249,641,330 | 2,370 |
| Average equity | $23,396,330 | 2,877 |
| Average total loans | $213,934,330 | 1,980 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,172 |
| Cost of funding earning assets | 0.7122% | 807 |
| Net interest margin | 3.9123% | 1,851 |
| Noninterest income to average assets | 0.5799% | 2,776 |
| Noninterest expense to average assets | 3.0201% | 2,514 |
| Loan and lease loss provision to assets | 0.2609% | 616 |
| Net operating income to assets | 0.8040% | 3,240 |
| Return on assets (ROA) | 0.8040% | 3,363 |
| Pretax return on assets | 0.8040% | 4,222 |
| Return on Equity (ROE) | 8.8025% | 2,545 |
| Retained earnings to average equity (ytd only) | -1.6767% | 5,646 |
| Net charge-offs to loans | 0.2835% | 847 |
| Credit loss provision to net charge-offs | 119.4805% | 1,448 |
| Earnings coverage of net charge-offs (x) | 4.8766% | 2,442 |
| Efficiency ratio | 73.9327% | 2,830 |
| Assets per employee ($millions) | 3.7212% | 4,472 |
| Cash dividends to net income (ytd only)* | 119.0476% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 5,195 |
| Loan loss allowance to noncurrent loans | 50.5051% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.8012% | 1,363 |
| Noncurrent loans to loans | 1.9089% | 1,408 |
| Net loans and leases to total assets | 76.2786% | 1,173 |
| Net loans and leases to deposits | 84.0317% | 2,069 |
| Net loans and leases to core deposits | 88.7420% | 2,246 |
| Total domestic deposits to total assets | 90.7736% | 447 |
| Equity capital to assets | 9.1408% | 5,149 |
| Core capital (leverage) ratio | 8.5323% | 5,493 |
| Tier 1 risk-based capital ratio | 11.4952% | 5,559 |
| Total risk-based capital ratio | 12.4991% | 5,604 |
| Memoranda: | ||
| Average total assets | $282,106,500 | 2,303 |
| Average earning assets | $252,744,500 | 2,368 |
| Average equity | $25,765,500 | 2,686 |
| Average total loans | $217,299,500 | 1,960 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 1,003 |
| Cost of funding earning assets | 0.7641% | 791 |
| Net interest margin | 4.0911% | 1,607 |
| Noninterest income to average assets | 0.5901% | 2,915 |
| Noninterest expense to average assets | 3.1436% | 2,383 |
| Loan and lease loss provision to assets | 0.5237% | 282 |
| Net operating income to assets | 0.5861% | 4,442 |
| Return on assets (ROA) | 0.5861% | 4,517 |
| Pretax return on assets | 0.5861% | 4,982 |
| Return on Equity (ROE) | 6.3137% | 3,996 |
| Retained earnings to average equity (ytd only) | -3.2164% | 6,105 |
| Net charge-offs to loans | 0.5373% | 755 |
| Credit loss provision to net charge-offs | 127.8746% | 1,869 |
| Earnings coverage of net charge-offs (x) | 2.7099% | 4,082 |
| Efficiency ratio | 73.9076% | 2,854 |
| Assets per employee ($millions) | 3.7027% | 4,521 |
| Cash dividends to net income (ytd only)* | 150.9434% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 5,274 |
| Loan loss allowance to noncurrent loans | 45.8980% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.9616% | 1,315 |
| Noncurrent loans to loans | 2.0805% | 1,313 |
| Net loans and leases to total assets | 76.2982% | 1,218 |
| Net loans and leases to deposits | 84.1005% | 2,204 |
| Net loans and leases to core deposits | 88.7424% | 2,412 |
| Total domestic deposits to total assets | 90.7226% | 456 |
| Equity capital to assets | 9.1256% | 5,156 |
| Core capital (leverage) ratio | 8.6229% | 5,419 |
| Tier 1 risk-based capital ratio | 11.5022% | 5,661 |
| Total risk-based capital ratio | 12.4880% | 5,726 |
| Memoranda: | ||
| Average total assets | $280,314,000 | 2,277 |
| Average earning assets | $251,006,000 | 2,340 |
| Average equity | $26,022,600 | 2,567 |
| Average total loans | $213,652,600 | 1,945 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 973 |
| Cost of funding earning assets | 0.7608% | 845 |
| Net interest margin | 4.1160% | 1,525 |
| Noninterest income to average assets | 0.6228% | 2,729 |
| Noninterest expense to average assets | 3.0433% | 2,666 |
| Loan and lease loss provision to assets | 0.4499% | 346 |
| Net operating income to assets | 0.8180% | 3,354 |
| Return on assets (ROA) | 0.8180% | 3,446 |
| Pretax return on assets | 0.8180% | 4,297 |
| Return on Equity (ROE) | 8.7735% | 2,800 |
| Retained earnings to average equity (ytd only) | -0.3166% | 5,850 |
| Net charge-offs to loans | 0.4278% | 929 |
| Credit loss provision to net charge-offs | 138.3602% | 1,695 |
| Earnings coverage of net charge-offs (x) | 3.8990% | 3,573 |
| Efficiency ratio | 70.5908% | 3,405 |
| Assets per employee ($millions) | 3.7157% | 4,460 |
| Cash dividends to net income (ytd only)* | 103.6086% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 5,469 |
| Loan loss allowance to noncurrent loans | 35.9093% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.2996% | 1,186 |
| Noncurrent loans to loans | 2.6158% | 1,095 |
| Net loans and leases to total assets | 75.1376% | 1,344 |
| Net loans and leases to deposits | 84.7103% | 2,067 |
| Net loans and leases to core deposits | 89.5068% | 2,272 |
| Total domestic deposits to total assets | 88.6995% | 1,401 |
| Equity capital to assets | 9.3419% | 4,988 |
| Core capital (leverage) ratio | 8.9058% | 5,184 |
| Tier 1 risk-based capital ratio | 11.9938% | 5,487 |
| Total risk-based capital ratio | 12.9618% | 5,585 |
| Memoranda: | ||
| Average total assets | $280,041,250 | 2,294 |
| Average earning assets | $250,946,750 | 2,351 |
| Average equity | $26,108,250 | 2,566 |
| Average total loans | $212,871,500 | 1,967 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 907 |
| Cost of funding earning assets | 0.7558% | 899 |
| Net interest margin | 4.1480% | 1,390 |
| Noninterest income to average assets | 0.6453% | 2,573 |
| Noninterest expense to average assets | 2.9872% | 2,877 |
| Loan and lease loss provision to assets | 0.4333% | 379 |
| Net operating income to assets | 0.9353% | 2,625 |
| Return on assets (ROA) | 0.9353% | 2,725 |
| Pretax return on assets | 0.9353% | 3,740 |
| Return on Equity (ROE) | 10.0395% | 2,136 |
| Retained earnings to average equity (ytd only) | 0.0077% | 5,675 |
| Net charge-offs to loans | 0.4500% | 901 |
| Credit loss provision to net charge-offs | 126.5690% | 1,642 |
| Earnings coverage of net charge-offs (x) | 3.9979% | 3,191 |
| Efficiency ratio | 68.5794% | 3,907 |
| Assets per employee ($millions) | 3.6968% | 4,457 |
| Cash dividends to net income (ytd only)* | 99.9234% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 5,791 |
| Loan loss allowance to noncurrent loans | 39.6577% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 2.0662% | 1,531 |
| Noncurrent loans to loans | 2.2095% | 1,481 |
| Net loans and leases to total assets | 75.5760% | 1,222 |
| Net loans and leases to deposits | 85.1343% | 1,912 |
| Net loans and leases to core deposits | 89.9660% | 2,130 |
| Total domestic deposits to total assets | 88.7727% | 1,491 |
| Equity capital to assets | 9.3630% | 4,891 |
| Core capital (leverage) ratio | 8.9553% | 5,087 |
| Tier 1 risk-based capital ratio | 11.9681% | 5,559 |
| Total risk-based capital ratio | 12.8670% | 5,687 |
| Memoranda: | ||
| Average total assets | $279,257,000 | 2,299 |
| Average earning assets | $249,807,000 | 2,357 |
| Average equity | $26,017,330 | 2,561 |
| Average total loans | $212,430,000 | 1,964 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 741 |
| Cost of funding earning assets | 0.7516% | 963 |
| Net interest margin | 4.2321% | 1,137 |
| Noninterest income to average assets | 0.6394% | 2,523 |
| Noninterest expense to average assets | 3.1695% | 2,329 |
| Loan and lease loss provision to assets | 0.2988% | 649 |
| Net operating income to assets | 0.9411% | 2,450 |
| Return on assets (ROA) | 0.9411% | 2,522 |
| Pretax return on assets | 0.9411% | 3,552 |
| Return on Equity (ROE) | 10.1264% | 1,986 |
| Retained earnings to average equity (ytd only) | 0.8503% | 5,251 |
| Net charge-offs to loans | 0.6769% | 542 |
| Credit loss provision to net charge-offs | 58.1006% | 2,127 |
| Earnings coverage of net charge-offs (x) | 2.4106% | 2,881 |
| Efficiency ratio | 71.8801% | 3,511 |
| Assets per employee ($millions) | 3.5830% | 4,763 |
| Cash dividends to net income (ytd only)* | 91.6031% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 6,186 |
| Loan loss allowance to noncurrent loans | 47.8755% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 2,276 |
| Noncurrent loans to loans | 1.5755% | 2,452 |
| Net loans and leases to total assets | 75.3278% | 1,085 |
| Net loans and leases to deposits | 84.8312% | 1,739 |
| Net loans and leases to core deposits | 89.6289% | 1,947 |
| Total domestic deposits to total assets | 88.7972% | 1,777 |
| Equity capital to assets | 9.3250% | 4,729 |
| Core capital (leverage) ratio | 8.9830% | 5,038 |
| Tier 1 risk-based capital ratio | 12.0861% | 5,583 |
| Total risk-based capital ratio | 12.8582% | 5,806 |
| Memoranda: | ||
| Average total assets | $278,407,000 | 2,311 |
| Average earning assets | $248,007,500 | 2,368 |
| Average equity | $25,873,000 | 2,564 |
| Average total loans | $211,538,500 | 1,966 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 811 |
| Cost of funding earning assets | 0.8401% | 993 |
| Net interest margin | 4.2246% | 1,287 |
| Noninterest income to average assets | 0.6554% | 2,779 |
| Noninterest expense to average assets | 3.1578% | 2,555 |
| Loan and lease loss provision to assets | 0.2666% | 1,322 |
| Net operating income to assets | 0.9722% | 2,458 |
| Return on assets (ROA) | 0.9722% | 2,523 |
| Pretax return on assets | 0.9722% | 3,463 |
| Return on Equity (ROE) | 10.3934% | 1,958 |
| Retained earnings to average equity (ytd only) | 0.9309% | 5,415 |
| Net charge-offs to loans | 0.3432% | 1,966 |
| Credit loss provision to net charge-offs | 102.7624% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.7749% | 3,461 |
| Efficiency ratio | 71.8233% | 3,507 |
| Assets per employee ($millions) | 3.6018% | 4,675 |
| Cash dividends to net income (ytd only)* | 91.0431% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,104 |
| Loan loss allowance to noncurrent loans | 41.8861% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 1.8663% | 1,956 |
| Noncurrent loans to loans | 1.9805% | 2,010 |
| Net loans and leases to total assets | 75.4329% | 1,166 |
| Net loans and leases to deposits | 84.9735% | 1,814 |
| Net loans and leases to core deposits | 89.5818% | 2,073 |
| Total domestic deposits to total assets | 88.7722% | 1,766 |
| Equity capital to assets | 9.2613% | 4,733 |
| Core capital (leverage) ratio | 9.0517% | 4,927 |
| Tier 1 risk-based capital ratio | 12.2112% | 5,488 |
| Total risk-based capital ratio | 13.0663% | 5,665 |
| Memoranda: | ||
| Average total assets | $279,051,200 | 2,277 |
| Average earning assets | $247,122,600 | 2,358 |
| Average equity | $26,103,000 | 2,533 |
| Average total loans | $210,960,200 | 1,921 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 794 |
| Cost of funding earning assets | 0.8546% | 1,026 |
| Net interest margin | 4.2289% | 1,248 |
| Noninterest income to average assets | 0.6374% | 2,937 |
| Noninterest expense to average assets | 3.1152% | 2,604 |
| Loan and lease loss provision to assets | 0.2743% | 1,277 |
| Net operating income to assets | 0.9894% | 2,414 |
| Return on assets (ROA) | 0.9894% | 2,517 |
| Pretax return on assets | 0.9894% | 3,542 |
| Return on Equity (ROE) | 10.5514% | 1,982 |
| Retained earnings to average equity (ytd only) | 1.0378% | 5,563 |
| Net charge-offs to loans | 0.3362% | 1,869 |
| Credit loss provision to net charge-offs | 108.0827% | 2,170 |
| Earnings coverage of net charge-offs (x) | 4.9793% | 3,311 |
| Efficiency ratio | 71.1406% | 3,578 |
| Assets per employee ($millions) | 3.5853% | 4,679 |
| Cash dividends to net income (ytd only)* | 90.1640% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,195 |
| Loan loss allowance to noncurrent loans | 37.7797% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1712% | 1,839 |
| Noncurrent loans to loans | 2.2314% | 1,977 |
| Net loans and leases to total assets | 75.5428% | 1,062 |
| Net loans and leases to deposits | 85.2385% | 1,711 |
| Net loans and leases to core deposits | 89.7741% | 1,991 |
| Total domestic deposits to total assets | 88.6252% | 1,766 |
| Equity capital to assets | 9.3894% | 4,691 |
| Core capital (leverage) ratio | 9.0249% | 5,092 |
| Tier 1 risk-based capital ratio | 12.2326% | 5,617 |
| Total risk-based capital ratio | 13.1019% | 5,822 |
| Memoranda: | ||
| Average total assets | $279,479,500 | 2,283 |
| Average earning assets | $247,279,000 | 2,366 |
| Average equity | $26,207,500 | 2,564 |
| Average total loans | $210,961,750 | 1,924 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 819 |
| Cost of funding earning assets | 0.8576% | 1,100 |
| Net interest margin | 4.2112% | 1,251 |
| Noninterest income to average assets | 0.5987% | 3,199 |
| Noninterest expense to average assets | 3.0853% | 2,708 |
| Loan and lease loss provision to assets | 0.2765% | 1,331 |
| Net operating income to assets | 0.9572% | 2,527 |
| Return on assets (ROA) | 0.9572% | 2,676 |
| Pretax return on assets | 0.9572% | 3,689 |
| Return on Equity (ROE) | 10.2118% | 2,123 |
| Retained earnings to average equity (ytd only) | 0.1749% | 5,803 |
| Net charge-offs to loans | 0.4139% | 1,567 |
| Credit loss provision to net charge-offs | 88.7872% | 2,471 |
| Earnings coverage of net charge-offs (x) | 3.9611% | 3,250 |
| Efficiency ratio | 71.4356% | 3,568 |
| Assets per employee ($millions) | 3.5722% | 4,700 |
| Cash dividends to net income (ytd only)* | 98.2874% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 6,357 |
| Loan loss allowance to noncurrent loans | 42.6001% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 1.9294% | 2,250 |
| Noncurrent loans to loans | 1.8726% | 2,528 |
| Net loans and leases to total assets | 75.0240% | 1,103 |
| Net loans and leases to deposits | 84.3851% | 1,747 |
| Net loans and leases to core deposits | 89.4566% | 1,959 |
| Total domestic deposits to total assets | 88.9066% | 1,681 |
| Equity capital to assets | 9.2088% | 4,980 |
| Core capital (leverage) ratio | 8.8941% | 5,154 |
| Tier 1 risk-based capital ratio | 12.2084% | 5,674 |
| Total risk-based capital ratio | 13.0369% | 5,873 |
| Memoranda: | ||
| Average total assets | $280,617,330 | 2,289 |
| Average earning assets | $247,912,670 | 2,369 |
| Average equity | $26,303,000 | 2,558 |
| Average total loans | $211,175,330 | 1,927 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 815 |
| Cost of funding earning assets | 0.8784% | 1,093 |
| Net interest margin | 4.1747% | 1,261 |
| Noninterest income to average assets | 0.5781% | 3,257 |
| Noninterest expense to average assets | 3.0667% | 2,783 |
| Loan and lease loss provision to assets | 0.2486% | 1,451 |
| Net operating income to assets | 0.9488% | 2,445 |
| Return on assets (ROA) | 0.9488% | 2,586 |
| Pretax return on assets | 0.9488% | 3,571 |
| Return on Equity (ROE) | 10.0357% | 2,050 |
| Retained earnings to average equity (ytd only) | 1.0216% | 5,441 |
| Net charge-offs to loans | 0.2460% | 1,979 |
| Credit loss provision to net charge-offs | 134.6154% | 1,473 |
| Earnings coverage of net charge-offs (x) | 6.4846% | 2,213 |
| Efficiency ratio | 71.9187% | 3,632 |
| Assets per employee ($millions) | 3.5566% | 4,872 |
| Cash dividends to net income (ytd only)* | 89.8204% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,377 |
| Loan loss allowance to noncurrent loans | 45.9606% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9397% | 2,422 |
| Noncurrent loans to loans | 1.8363% | 2,819 |
| Net loans and leases to total assets | 75.1743% | 941 |
| Net loans and leases to deposits | 84.9086% | 1,482 |
| Net loans and leases to core deposits | 89.8153% | 1,715 |
| Total domestic deposits to total assets | 88.5355% | 1,978 |
| Equity capital to assets | 9.5972% | 4,711 |
| Core capital (leverage) ratio | 8.9145% | 5,037 |
| Tier 1 risk-based capital ratio | 12.4422% | 5,612 |
| Total risk-based capital ratio | 13.3322% | 5,814 |
| Memoranda: | ||
| Average total assets | $281,608,500 | 2,306 |
| Average earning assets | $248,638,500 | 2,391 |
| Average equity | $26,625,000 | 2,554 |
| Average total loans | $211,401,000 | 1,934 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 1,214 |
| Cost of funding earning assets | 1.0155% | 1,271 |
| Net interest margin | 4.1328% | 1,877 |
| Noninterest income to average assets | 0.5734% | 3,427 |
| Noninterest expense to average assets | 2.9943% | 3,297 |
| Loan and lease loss provision to assets | 0.3464% | 1,935 |
| Net operating income to assets | 0.9139% | 2,748 |
| Return on assets (ROA) | 0.9139% | 2,985 |
| Pretax return on assets | 0.9139% | 3,877 |
| Return on Equity (ROE) | 9.9648% | 2,182 |
| Retained earnings to average equity (ytd only) | 1.0980% | 5,321 |
| Net charge-offs to loans | 0.5131% | 2,190 |
| Credit loss provision to net charge-offs | 91.3321% | 3,422 |
| Earnings coverage of net charge-offs (x) | 3.3230% | 3,776 |
| Efficiency ratio | 70.3782% | 3,737 |
| Assets per employee ($millions) | 3.6641% | 4,642 |
| Cash dividends to net income (ytd only)* | 88.9814% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 6,459 |
| Loan loss allowance to noncurrent loans | 38.1730% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.0997% | 2,335 |
| Noncurrent loans to loans | 2.1329% | 2,546 |
| Net loans and leases to total assets | 73.7407% | 1,230 |
| Net loans and leases to deposits | 84.7167% | 1,671 |
| Net loans and leases to core deposits | 91.2746% | 1,701 |
| Total domestic deposits to total assets | 87.0439% | 2,825 |
| Equity capital to assets | 9.3162% | 5,129 |
| Core capital (leverage) ratio | 8.6456% | 5,404 |
| Tier 1 risk-based capital ratio | 12.0891% | 5,728 |
| Total risk-based capital ratio | 12.9342% | 5,932 |
| Memoranda: | ||
| Average total assets | $288,986,000 | 2,211 |
| Average earning assets | $257,404,200 | 2,261 |
| Average equity | $26,503,200 | 2,522 |
| Average total loans | $213,608,600 | 1,895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 1,346 |
| Cost of funding earning assets | 1.0260% | 1,418 |
| Net interest margin | 4.1066% | 2,067 |
| Noninterest income to average assets | 0.6032% | 3,254 |
| Noninterest expense to average assets | 2.9442% | 3,431 |
| Loan and lease loss provision to assets | 0.3658% | 1,779 |
| Net operating income to assets | 0.9653% | 2,683 |
| Return on assets (ROA) | 0.9653% | 2,897 |
| Pretax return on assets | 0.9653% | 3,849 |
| Return on Equity (ROE) | 10.5667% | 2,109 |
| Retained earnings to average equity (ytd only) | 1.6268% | 5,520 |
| Net charge-offs to loans | 0.5860% | 1,876 |
| Credit loss provision to net charge-offs | 84.5745% | 3,476 |
| Earnings coverage of net charge-offs (x) | 3.0777% | 3,795 |
| Efficiency ratio | 68.8657% | 3,899 |
| Assets per employee ($millions) | 3.7106% | 4,512 |
| Cash dividends to net income (ytd only)* | 84.6046% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 6,630 |
| Loan loss allowance to noncurrent loans | 43.4221% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.9894% | 2,655 |
| Noncurrent loans to loans | 1.8053% | 3,070 |
| Net loans and leases to total assets | 73.4670% | 1,323 |
| Net loans and leases to deposits | 84.3066% | 1,830 |
| Net loans and leases to core deposits | 90.8925% | 1,882 |
| Total domestic deposits to total assets | 87.1426% | 2,588 |
| Equity capital to assets | 9.2244% | 5,567 |
| Core capital (leverage) ratio | 8.5940% | 5,630 |
| Tier 1 risk-based capital ratio | 12.1259% | 5,866 |
| Total risk-based capital ratio | 12.9481% | 6,098 |
| Memoranda: | ||
| Average total assets | $289,781,750 | 2,234 |
| Average earning assets | $259,118,500 | 2,264 |
| Average equity | $26,472,500 | 2,547 |
| Average total loans | $213,890,000 | 1,916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 1,362 |
| Cost of funding earning assets | 1.0471% | 1,489 |
| Net interest margin | 4.1074% | 2,060 |
| Noninterest income to average assets | 0.6340% | 3,048 |
| Noninterest expense to average assets | 2.9238% | 3,526 |
| Loan and lease loss provision to assets | 0.3663% | 1,794 |
| Net operating income to assets | 1.0162% | 2,393 |
| Return on assets (ROA) | 1.0162% | 2,619 |
| Pretax return on assets | 1.0162% | 3,649 |
| Return on Equity (ROE) | 11.1602% | 1,935 |
| Retained earnings to average equity (ytd only) | 2.2578% | 5,069 |
| Net charge-offs to loans | 0.5942% | 1,830 |
| Credit loss provision to net charge-offs | 83.6220% | 3,223 |
| Earnings coverage of net charge-offs (x) | 3.1559% | 3,476 |
| Efficiency ratio | 67.8949% | 4,141 |
| Assets per employee ($millions) | 3.7243% | 4,469 |
| Cash dividends to net income (ytd only)* | 79.7692% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 6,643 |
| Loan loss allowance to noncurrent loans | 54.2047% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.7928% | 3,049 |
| Noncurrent loans to loans | 1.5023% | 3,651 |
| Net loans and leases to total assets | 72.1608% | 1,530 |
| Net loans and leases to deposits | 82.7447% | 2,015 |
| Net loans and leases to core deposits | 89.2715% | 2,065 |
| Total domestic deposits to total assets | 87.2090% | 2,646 |
| Equity capital to assets | 9.1727% | 5,495 |
| Core capital (leverage) ratio | 8.5694% | 5,561 |
| Tier 1 risk-based capital ratio | 12.0706% | 5,878 |
| Total risk-based capital ratio | 12.9099% | 6,115 |
| Memoranda: | ||
| Average total assets | $289,899,670 | 2,231 |
| Average earning assets | $259,193,670 | 2,264 |
| Average equity | $26,397,330 | 2,542 |
| Average total loans | $213,748,670 | 1,915 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 1,433 |
| Cost of funding earning assets | 1.0652% | 1,594 |
| Net interest margin | 4.0839% | 2,159 |
| Noninterest income to average assets | 0.6395% | 2,993 |
| Noninterest expense to average assets | 2.9268% | 3,517 |
| Loan and lease loss provision to assets | 0.3467% | 1,801 |
| Net operating income to assets | 1.0304% | 2,357 |
| Return on assets (ROA) | 1.0304% | 2,543 |
| Pretax return on assets | 1.0304% | 3,567 |
| Return on Equity (ROE) | 11.3577% | 1,886 |
| Retained earnings to average equity (ytd only) | 2.2228% | 5,153 |
| Net charge-offs to loans | 0.5136% | 1,808 |
| Credit loss provision to net charge-offs | 90.9420% | 2,530 |
| Earnings coverage of net charge-offs (x) | 3.6123% | 2,793 |
| Efficiency ratio | 68.0039% | 4,169 |
| Assets per employee ($millions) | 3.6070% | 4,861 |
| Cash dividends to net income (ytd only)* | 80.4290% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 6,674 |
| Loan loss allowance to noncurrent loans | 50.7328% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8284% | 3,139 |
| Noncurrent loans to loans | 1.6490% | 3,630 |
| Net loans and leases to total assets | 73.0261% | 1,222 |
| Net loans and leases to deposits | 83.5036% | 1,729 |
| Net loans and leases to core deposits | 89.7263% | 1,876 |
| Total domestic deposits to total assets | 87.4526% | 2,688 |
| Equity capital to assets | 8.9845% | 5,518 |
| Core capital (leverage) ratio | 8.5165% | 5,566 |
| Tier 1 risk-based capital ratio | 11.8493% | 6,052 |
| Total risk-based capital ratio | 12.7163% | 6,283 |
| Memoranda: | ||
| Average total assets | $289,603,000 | 2,245 |
| Average earning assets | $259,851,500 | 2,280 |
| Average equity | $26,273,000 | 2,551 |
| Average total loans | $214,951,500 | 1,904 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 1,646 |
| Cost of funding earning assets | 1.2718% | 1,608 |
| Net interest margin | 4.0464% | 2,648 |
| Noninterest income to average assets | 0.5714% | 3,354 |
| Noninterest expense to average assets | 3.0631% | 3,344 |
| Loan and lease loss provision to assets | 0.2669% | 3,548 |
| Net operating income to assets | 0.8849% | 2,668 |
| Return on assets (ROA) | 0.8849% | 2,803 |
| Pretax return on assets | 0.8849% | 3,661 |
| Return on Equity (ROE) | 9.7103% | 2,156 |
| Retained earnings to average equity (ytd only) | 1.8204% | 4,917 |
| Net charge-offs to loans | 0.4112% | 3,368 |
| Credit loss provision to net charge-offs | 86.6743% | 4,174 |
| Earnings coverage of net charge-offs (x) | 3.7403% | 3,407 |
| Efficiency ratio | 72.6720% | 3,454 |
| Assets per employee ($millions) | 3.5436% | 4,908 |
| Cash dividends to net income (ytd only)* | 81.2525% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,647 |
| Loan loss allowance to noncurrent loans | 53.0061% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 3,260 |
| Noncurrent loans to loans | 1.6033% | 3,759 |
| Net loans and leases to total assets | 74.1781% | 1,243 |
| Net loans and leases to deposits | 85.1287% | 1,787 |
| Net loans and leases to core deposits | 91.3940% | 1,950 |
| Total domestic deposits to total assets | 87.1364% | 2,684 |
| Equity capital to assets | 9.1613% | 5,339 |
| Core capital (leverage) ratio | 8.6083% | 5,380 |
| Tier 1 risk-based capital ratio | 11.9314% | 5,873 |
| Total risk-based capital ratio | 12.8219% | 6,103 |
| Memoranda: | ||
| Average total assets | $285,105,800 | 2,234 |
| Average earning assets | $256,720,000 | 2,256 |
| Average equity | $25,982,800 | 2,483 |
| Average total loans | $213,525,000 | 1,925 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 1,567 |
| Cost of funding earning assets | 1.3231% | 1,580 |
| Net interest margin | 4.0581% | 2,658 |
| Noninterest income to average assets | 0.5518% | 3,504 |
| Noninterest expense to average assets | 3.0327% | 3,426 |
| Loan and lease loss provision to assets | 0.2174% | 3,845 |
| Net operating income to assets | 0.9598% | 2,484 |
| Return on assets (ROA) | 0.9598% | 2,651 |
| Pretax return on assets | 0.9598% | 3,555 |
| Return on Equity (ROE) | 10.5462% | 2,013 |
| Retained earnings to average equity (ytd only) | 3.0831% | 4,488 |
| Net charge-offs to loans | 0.3008% | 3,587 |
| Credit loss provision to net charge-offs | 96.4657% | 3,558 |
| Earnings coverage of net charge-offs (x) | 5.2245% | 2,845 |
| Efficiency ratio | 72.0374% | 3,545 |
| Assets per employee ($millions) | 3.4983% | 5,000 |
| Cash dividends to net income (ytd only)* | 70.7665% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 6,542 |
| Loan loss allowance to noncurrent loans | 37.1693% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2289% | 2,859 |
| Noncurrent loans to loans | 2.4685% | 2,807 |
| Net loans and leases to total assets | 73.3609% | 1,440 |
| Net loans and leases to deposits | 84.4323% | 1,929 |
| Net loans and leases to core deposits | 90.6450% | 2,171 |
| Total domestic deposits to total assets | 86.8872% | 2,721 |
| Equity capital to assets | 9.3371% | 5,321 |
| Core capital (leverage) ratio | 8.6960% | 5,418 |
| Tier 1 risk-based capital ratio | 12.2315% | 5,719 |
| Total risk-based capital ratio | 13.1895% | 5,920 |
| Memoranda: | ||
| Average total assets | $284,623,500 | 2,239 |
| Average earning assets | $256,570,000 | 2,271 |
| Average equity | $25,904,500 | 2,493 |
| Average total loans | $213,220,750 | 1,940 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 1,651 |
| Cost of funding earning assets | 1.3773% | 1,514 |
| Net interest margin | 3.9928% | 2,871 |
| Noninterest income to average assets | 0.5038% | 3,829 |
| Noninterest expense to average assets | 2.9708% | 3,754 |
| Loan and lease loss provision to assets | 0.2105% | 3,807 |
| Net operating income to assets | 0.9269% | 2,531 |
| Return on assets (ROA) | 0.9269% | 2,637 |
| Pretax return on assets | 0.9269% | 3,524 |
| Return on Equity (ROE) | 10.2722% | 2,024 |
| Retained earnings to average equity (ytd only) | 3.2737% | 4,181 |
| Net charge-offs to loans | 0.2827% | 3,465 |
| Credit loss provision to net charge-offs | 99.0099% | 3,191 |
| Earnings coverage of net charge-offs (x) | 5.3498% | 2,634 |
| Efficiency ratio | 72.3143% | 3,668 |
| Assets per employee ($millions) | 3.4953% | 4,952 |
| Cash dividends to net income (ytd only)* | 68.1302% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 6,604 |
| Loan loss allowance to noncurrent loans | 43.1176% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9553% | 3,300 |
| Noncurrent loans to loans | 2.1311% | 3,311 |
| Net loans and leases to total assets | 73.8484% | 1,443 |
| Net loans and leases to deposits | 84.8901% | 1,966 |
| Net loans and leases to core deposits | 91.3057% | 2,219 |
| Total domestic deposits to total assets | 86.9929% | 2,741 |
| Equity capital to assets | 9.2593% | 5,195 |
| Core capital (leverage) ratio | 8.6052% | 5,392 |
| Tier 1 risk-based capital ratio | 12.0603% | 5,738 |
| Total risk-based capital ratio | 13.0187% | 5,955 |
| Memoranda: | ||
| Average total assets | $285,043,000 | 2,248 |
| Average earning assets | $257,315,330 | 2,279 |
| Average equity | $25,720,000 | 2,493 |
| Average total loans | $214,359,670 | 1,954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 1,585 |
| Cost of funding earning assets | 1.4407% | 1,430 |
| Net interest margin | 3.9515% | 2,907 |
| Noninterest income to average assets | 0.5440% | 3,552 |
| Noninterest expense to average assets | 2.9063% | 4,032 |
| Loan and lease loss provision to assets | 0.2517% | 3,136 |
| Net operating income to assets | 0.9496% | 2,360 |
| Return on assets (ROA) | 0.9496% | 2,426 |
| Pretax return on assets | 0.9496% | 3,322 |
| Return on Equity (ROE) | 10.6625% | 1,851 |
| Retained earnings to average equity (ytd only) | 3.5960% | 4,027 |
| Net charge-offs to loans | 0.3092% | 2,808 |
| Credit loss provision to net charge-offs | 107.7844% | 2,474 |
| Earnings coverage of net charge-offs (x) | 5.1437% | 2,327 |
| Efficiency ratio | 70.7525% | 4,108 |
| Assets per employee ($millions) | 3.5401% | 4,904 |
| Cash dividends to net income (ytd only)* | 66.2739% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 6,674 |
| Loan loss allowance to noncurrent loans | 72.1935% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3095% | 4,352 |
| Noncurrent loans to loans | 1.2599% | 4,582 |
| Net loans and leases to total assets | 74.2758% | 1,307 |
| Net loans and leases to deposits | 84.9843% | 1,879 |
| Net loans and leases to core deposits | 92.0256% | 2,126 |
| Total domestic deposits to total assets | 87.3994% | 2,711 |
| Equity capital to assets | 8.9134% | 5,326 |
| Core capital (leverage) ratio | 8.4751% | 5,505 |
| Tier 1 risk-based capital ratio | 11.5855% | 6,035 |
| Total risk-based capital ratio | 12.5212% | 6,266 |
| Memoranda: | ||
| Average total assets | $286,003,500 | 2,262 |
| Average earning assets | $257,930,500 | 2,287 |
| Average equity | $25,472,500 | 2,497 |
| Average total loans | $216,029,500 | 1,957 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6554% | 1,726 |
| Cost of funding earning assets | 1.6744% | 1,711 |
| Net interest margin | 3.9811% | 3,102 |
| Noninterest income to average assets | 0.8349% | 2,123 |
| Noninterest expense to average assets | 3.0171% | 3,782 |
| Loan and lease loss provision to assets | 0.4079% | 3,661 |
| Net operating income to assets | 0.9829% | 2,098 |
| Return on assets (ROA) | 0.9832% | 2,209 |
| Pretax return on assets | 0.9832% | 2,984 |
| Return on Equity (ROE) | 11.1317% | 1,545 |
| Retained earnings to average equity (ytd only) | 4.9341% | 2,451 |
| Net charge-offs to loans | 0.5002% | 3,615 |
| Credit loss provision to net charge-offs | 106.4516% | 4,193 |
| Earnings coverage of net charge-offs (x) | 3.6295% | 3,265 |
| Efficiency ratio | 68.4480% | 4,465 |
| Assets per employee ($millions) | 3.6109% | 4,670 |
| Cash dividends to net income (ytd only)* | 55.6753% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 6,741 |
| Loan loss allowance to noncurrent loans | 44.5209% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.9421% | 3,422 |
| Noncurrent loans to loans | 2.0090% | 3,549 |
| Net loans and leases to total assets | 75.4324% | 1,397 |
| Net loans and leases to deposits | 86.3752% | 2,028 |
| Net loans and leases to core deposits | 95.2697% | 2,091 |
| Total domestic deposits to total assets | 87.3311% | 2,647 |
| Equity capital to assets | 8.8993% | 5,281 |
| Core capital (leverage) ratio | 8.5140% | 5,336 |
| Tier 1 risk-based capital ratio | 11.2527% | 6,130 |
| Total risk-based capital ratio | 12.1640% | 6,369 |
| Memoranda: | ||
| Average total assets | $283,148,600 | 2,263 |
| Average earning assets | $254,127,600 | 2,306 |
| Average equity | $25,009,600 | 2,555 |
| Average total loans | $216,913,200 | 1,992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6814% | 1,773 |
| Cost of funding earning assets | 1.7096% | 1,823 |
| Net interest margin | 3.9718% | 3,232 |
| Noninterest income to average assets | 0.8600% | 1,953 |
| Noninterest expense to average assets | 3.0018% | 3,736 |
| Loan and lease loss provision to assets | 0.4552% | 3,198 |
| Net operating income to assets | 0.9629% | 2,362 |
| Return on assets (ROA) | 0.9633% | 2,487 |
| Pretax return on assets | 0.9633% | 3,318 |
| Return on Equity (ROE) | 10.9273% | 1,807 |
| Retained earnings to average equity (ytd only) | 4.6396% | 3,236 |
| Net charge-offs to loans | 0.5699% | 3,043 |
| Credit loss provision to net charge-offs | 104.0992% | 4,121 |
| Earnings coverage of net charge-offs (x) | 3.2427% | 3,523 |
| Efficiency ratio | 67.9155% | 4,479 |
| Assets per employee ($millions) | 3.4925% | 5,002 |
| Cash dividends to net income (ytd only)* | 57.5417% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,803 |
| Loan loss allowance to noncurrent loans | 52.5736% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.7330% | 3,842 |
| Noncurrent loans to loans | 1.6727% | 4,134 |
| Net loans and leases to total assets | 77.0519% | 1,212 |
| Net loans and leases to deposits | 88.5660% | 1,930 |
| Net loans and leases to core deposits | 97.4890% | 2,095 |
| Total domestic deposits to total assets | 86.9995% | 2,532 |
| Equity capital to assets | 9.1043% | 5,446 |
| Core capital (leverage) ratio | 8.4424% | 5,623 |
| Tier 1 risk-based capital ratio | 11.0599% | 6,322 |
| Total risk-based capital ratio | 11.9546% | 6,618 |
| Memoranda: | ||
| Average total assets | $282,621,250 | 2,298 |
| Average earning assets | $253,309,750 | 2,342 |
| Average equity | $24,915,500 | 2,601 |
| Average total loans | $216,861,750 | 2,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 2,177 |
| Cost of funding earning assets | 1.7414% | 1,912 |
| Net interest margin | 3.8477% | 3,678 |
| Noninterest income to average assets | 0.8981% | 1,693 |
| Noninterest expense to average assets | 2.9398% | 3,924 |
| Loan and lease loss provision to assets | 0.4265% | 3,191 |
| Net operating income to assets | 0.9806% | 2,262 |
| Return on assets (ROA) | 0.9806% | 2,349 |
| Pretax return on assets | 0.9806% | 3,204 |
| Return on Equity (ROE) | 11.2442% | 1,671 |
| Retained earnings to average equity (ytd only) | 4.9795% | 2,914 |
| Net charge-offs to loans | 0.5047% | 3,014 |
| Credit loss provision to net charge-offs | 110.6033% | 3,674 |
| Earnings coverage of net charge-offs (x) | 3.6490% | 3,228 |
| Efficiency ratio | 67.6289% | 4,648 |
| Assets per employee ($millions) | 3.4433% | 5,061 |
| Cash dividends to net income (ytd only)* | 55.7153% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 6,784 |
| Loan loss allowance to noncurrent loans | 52.0637% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 3,813 |
| Noncurrent loans to loans | 1.7137% | 4,118 |
| Net loans and leases to total assets | 75.9304% | 1,501 |
| Net loans and leases to deposits | 86.9809% | 2,340 |
| Net loans and leases to core deposits | 95.6363% | 2,483 |
| Total domestic deposits to total assets | 87.2955% | 2,384 |
| Equity capital to assets | 8.8961% | 5,609 |
| Core capital (leverage) ratio | 8.2961% | 5,778 |
| Tier 1 risk-based capital ratio | 10.8598% | 6,388 |
| Total risk-based capital ratio | 11.7570% | 6,668 |
| Memoranda: | ||
| Average total assets | $283,696,330 | 2,305 |
| Average earning assets | $254,281,000 | 2,358 |
| Average equity | $24,741,670 | 2,617 |
| Average total loans | $216,752,330 | 2,062 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 2,079 |
| Cost of funding earning assets | 1.7599% | 2,073 |
| Net interest margin | 3.8591% | 3,517 |
| Noninterest income to average assets | 1.0887% | 1,067 |
| Noninterest expense to average assets | 2.9244% | 3,967 |
| Loan and lease loss provision to assets | 0.4290% | 2,810 |
| Net operating income to assets | 1.1900% | 1,567 |
| Return on assets (ROA) | 1.1900% | 1,640 |
| Pretax return on assets | 1.1900% | 2,394 |
| Return on Equity (ROE) | 13.7821% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.8585% | 2,191 |
| Net charge-offs to loans | 0.5402% | 2,446 |
| Credit loss provision to net charge-offs | 104.0956% | 3,292 |
| Earnings coverage of net charge-offs (x) | 3.9283% | 2,747 |
| Efficiency ratio | 64.3653% | 5,418 |
| Assets per employee ($millions) | 3.3668% | 5,381 |
| Cash dividends to net income (ytd only)* | 50.2364% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,927 |
| Loan loss allowance to noncurrent loans | 34.4361% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 2.3288% | 3,118 |
| Noncurrent loans to loans | 2.5267% | 3,148 |
| Net loans and leases to total assets | 75.8984% | 1,563 |
| Net loans and leases to deposits | 86.8246% | 2,447 |
| Net loans and leases to core deposits | 94.9585% | 2,705 |
| Total domestic deposits to total assets | 87.4158% | 2,406 |
| Equity capital to assets | 8.7643% | 5,618 |
| Core capital (leverage) ratio | 8.2007% | 5,905 |
| Tier 1 risk-based capital ratio | 10.7163% | 6,423 |
| Total risk-based capital ratio | 11.5878% | 6,775 |
| Memoranda: | ||
| Average total assets | $284,370,500 | 2,353 |
| Average earning assets | $254,566,000 | 2,401 |
| Average equity | $24,553,500 | 2,657 |
| Average total loans | $216,969,500 | 2,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7506% | 2,862 |
| Cost of funding earning assets | 2.2013% | 2,028 |
| Net interest margin | 3.5493% | 4,750 |
| Noninterest income to average assets | 0.5661% | 3,901 |
| Noninterest expense to average assets | 3.2352% | 3,254 |
| Loan and lease loss provision to assets | 0.2205% | 5,598 |
| Net operating income to assets | 0.2622% | 4,673 |
| Return on assets (ROA) | 0.3210% | 4,533 |
| Pretax return on assets | 0.3210% | 4,705 |
| Return on Equity (ROE) | 3.8039% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.1363% | 3,609 |
| Net charge-offs to loans | 0.4931% | 3,798 |
| Credit loss provision to net charge-offs | 58.6730% | 6,659 |
| Earnings coverage of net charge-offs (x) | 1.2844% | 4,844 |
| Efficiency ratio | 87.0161% | 1,993 |
| Assets per employee ($millions) | 3.3639% | 5,333 |
| Cash dividends to net income (ytd only)* | 43.8402% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,950 |
| Loan loss allowance to noncurrent loans | 32.5113% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 2.5726% | 2,722 |
| Noncurrent loans to loans | 2.6485% | 2,901 |
| Net loans and leases to total assets | 75.3800% | 1,950 |
| Net loans and leases to deposits | 85.9182% | 2,927 |
| Net loans and leases to core deposits | 118.6727% | 2,067 |
| Total domestic deposits to total assets | 87.7346% | 2,103 |
| Equity capital to assets | 8.5058% | 5,870 |
| Core capital (leverage) ratio | 8.0826% | 6,026 |
| Tier 1 risk-based capital ratio | 10.4159% | 6,483 |
| Total risk-based capital ratio | 11.2732% | 6,824 |
| Memoranda: | ||
| Average total assets | $280,697,200 | 2,342 |
| Average earning assets | $249,262,400 | 2,411 |
| Average equity | $23,686,000 | 2,771 |
| Average total loans | $213,968,800 | 2,156 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7788% | 2,992 |
| Cost of funding earning assets | 2.2867% | 2,034 |
| Net interest margin | 3.4921% | 4,896 |
| Noninterest income to average assets | 0.6834% | 3,132 |
| Noninterest expense to average assets | 3.0805% | 3,720 |
| Loan and lease loss provision to assets | 0.2348% | 5,096 |
| Net operating income to assets | 0.4662% | 4,136 |
| Return on assets (ROA) | 0.5445% | 3,896 |
| Pretax return on assets | 0.5445% | 4,377 |
| Return on Equity (ROE) | 6.4661% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.2276% | 2,911 |
| Net charge-offs to loans | 0.5130% | 3,160 |
| Credit loss provision to net charge-offs | 60.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | 1.7915% | 4,457 |
| Efficiency ratio | 81.4614% | 2,654 |
| Assets per employee ($millions) | 3.3351% | 5,292 |
| Cash dividends to net income (ytd only)* | 34.6184% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,609 |
| Loan loss allowance to noncurrent loans | 38.8235% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 2.6090% | 2,670 |
| Noncurrent loans to loans | 2.4145% | 3,121 |
| Net loans and leases to total assets | 74.6909% | 2,315 |
| Net loans and leases to deposits | 85.7512% | 3,366 |
| Net loans and leases to core deposits | 118.4618% | 2,377 |
| Total domestic deposits to total assets | 87.1018% | 2,126 |
| Equity capital to assets | 8.7861% | 5,824 |
| Core capital (leverage) ratio | 8.2314% | 5,960 |
| Tier 1 risk-based capital ratio | 10.7781% | 6,187 |
| Total risk-based capital ratio | 11.7066% | 6,467 |
| Memoranda: | ||
| Average total assets | $279,388,000 | 2,363 |
| Average earning assets | $247,865,250 | 2,442 |
| Average equity | $23,527,250 | 2,805 |
| Average total loans | $213,108,750 | 2,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 2,919 |
| Cost of funding earning assets | 2.3404% | 2,198 |
| Net interest margin | 3.4863% | 4,862 |
| Noninterest income to average assets | 0.7029% | 2,977 |
| Noninterest expense to average assets | 3.0380% | 3,928 |
| Loan and lease loss provision to assets | 0.2071% | 4,979 |
| Net operating income to assets | 0.5402% | 3,932 |
| Return on assets (ROA) | 0.6226% | 3,686 |
| Pretax return on assets | 0.6226% | 4,258 |
| Return on Equity (ROE) | 7.5027% | 2,980 |
| Retained earnings to average equity (ytd only) | 4.0924% | 3,017 |
| Net charge-offs to loans | 0.5306% | 2,737 |
| Credit loss provision to net charge-offs | 50.9700% | 5,751 |
| Earnings coverage of net charge-offs (x) | 1.8395% | 4,187 |
| Efficiency ratio | 80.2574% | 3,001 |
| Assets per employee ($millions) | 3.3524% | 5,179 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,468 |
| Loan loss allowance to noncurrent loans | 79.2350% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5838% | 3,838 |
| Noncurrent loans to loans | 1.2192% | 4,770 |
| Net loans and leases to total assets | 73.9034% | 2,730 |
| Net loans and leases to deposits | 84.7184% | 3,761 |
| Net loans and leases to core deposits | 115.5488% | 2,753 |
| Total domestic deposits to total assets | 87.2342% | 2,135 |
| Equity capital to assets | 8.6220% | 5,864 |
| Core capital (leverage) ratio | 8.1131% | 6,138 |
| Tier 1 risk-based capital ratio | 10.6255% | 6,258 |
| Total risk-based capital ratio | 11.5753% | 6,506 |
| Memoranda: | ||
| Average total assets | $279,134,670 | 2,382 |
| Average earning assets | $246,794,330 | 2,463 |
| Average equity | $23,165,000 | 2,849 |
| Average total loans | $213,736,670 | 2,214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 2,827 |
| Cost of funding earning assets | 2.4441% | 2,125 |
| Net interest margin | 3.4499% | 4,940 |
| Noninterest income to average assets | 0.7456% | 2,627 |
| Noninterest expense to average assets | 2.8212% | 4,477 |
| Loan and lease loss provision to assets | 0.2030% | 4,417 |
| Net operating income to assets | 0.7629% | 3,287 |
| Return on assets (ROA) | 0.7629% | 3,463 |
| Pretax return on assets | 0.7629% | 4,217 |
| Return on Equity (ROE) | 9.3774% | 2,578 |
| Retained earnings to average equity (ytd only) | 2.3886% | 4,547 |
| Net charge-offs to loans | 0.5623% | 2,061 |
| Credit loss provision to net charge-offs | 46.5347% | 4,734 |
| Earnings coverage of net charge-offs (x) | 2.2145% | 3,634 |
| Efficiency ratio | 74.4964% | 3,733 |
| Assets per employee ($millions) | 3.3268% | 5,262 |
| Cash dividends to net income (ytd only)* | 74.5283% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,084 |
| Loan loss allowance to noncurrent loans | 103.4716% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 3,755 |
| Noncurrent loans to loans | 0.9805% | 5,033 |
| Net loans and leases to total assets | 74.9230% | 2,520 |
| Net loans and leases to deposits | 85.7974% | 3,668 |
| Net loans and leases to core deposits | 115.5257% | 2,848 |
| Total domestic deposits to total assets | 87.3255% | 2,051 |
| Equity capital to assets | 8.6788% | 5,800 |
| Core capital (leverage) ratio | 8.0398% | 6,397 |
| Tier 1 risk-based capital ratio | 10.5756% | 6,313 |
| Total risk-based capital ratio | 11.5900% | 6,475 |
| Memoranda: | ||
| Average total assets | $277,900,000 | 2,404 |
| Average earning assets | $244,995,500 | 2,494 |
| Average equity | $22,607,500 | 2,910 |
| Average total loans | $215,532,500 | 2,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3261% | 3,815 |
| Cost of funding earning assets | 2.9760% | 1,958 |
| Net interest margin | 3.3501% | 5,862 |
| Noninterest income to average assets | 0.6409% | 3,547 |
| Noninterest expense to average assets | 3.0209% | 4,006 |
| Loan and lease loss provision to assets | 1.0967% | 1,321 |
| Net operating income to assets | -0.4749% | 6,904 |
| Return on assets (ROA) | -0.4557% | 6,766 |
| Pretax return on assets | -0.4557% | 6,613 |
| Return on Equity (ROE) | -5.8432% | 6,953 |
| Retained earnings to average equity (ytd only) | -17.2379% | 7,578 |
| Net charge-offs to loans | 1.2601% | 949 |
| Credit loss provision to net charge-offs | 109.5137% | 4,914 |
| Earnings coverage of net charge-offs (x) | 0.6209% | 5,852 |
| Efficiency ratio | 82.9316% | 2,191 |
| Assets per employee ($millions) | 3.2134% | 5,447 |
| Cash dividends to net income (ytd only)* | -195.0078% | 8,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,616 |
| Loan loss allowance to noncurrent loans | 62.6833% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.6012% | 3,046 |
| Noncurrent loans to loans | 1.6771% | 3,256 |
| Net loans and leases to total assets | 78.6100% | 1,976 |
| Net loans and leases to deposits | 89.4565% | 3,540 |
| Net loans and leases to core deposits | 116.7444% | 3,035 |
| Total domestic deposits to total assets | 87.8751% | 1,527 |
| Equity capital to assets | 7.5853% | 7,316 |
| Core capital (leverage) ratio | 6.8746% | 7,781 |
| Tier 1 risk-based capital ratio | 8.8140% | 7,898 |
| Total risk-based capital ratio | 9.8825% | 8,026 |
| Memoranda: | ||
| Average total assets | $281,303,200 | 2,308 |
| Average earning assets | $252,051,200 | 2,353 |
| Average equity | $21,940,000 | 2,982 |
| Average total loans | $223,556,800 | 2,097 |