Home > Peoples Community Bank > Performance and Condition Ratios
Peoples Community Bank, 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 | 5.5825% | 1,052 |
| Cost of funding earning assets | 1.4704% | 2,020 |
| Net interest margin | 4.1120% | 1,055 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.1426% | 3,283 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.3175% | 297 |
| Return on assets (ROA) | 2.3175% | 287 |
| Pretax return on assets | 2.3175% | 424 |
| Return on Equity (ROE) | 14.4400% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.6606% | 2,004 |
| Net charge-offs to loans | 0.1805% | 592 |
| Credit loss provision to net charge-offs | 66.5025% | 2,113 |
| Earnings coverage of net charge-offs (x) | 19.6096% | 1,894 |
| Efficiency ratio | 47.1521% | 4,140 |
| Assets per employee ($millions) | 5.7509% | 3,022 |
| Cash dividends to net income (ytd only)* | 53.8582% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 2,783 |
| Loan loss allowance to noncurrent loans | 98.8203% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 668 |
| Noncurrent loans to loans | 1.1225% | 641 |
| Net loans and leases to total assets | 67.7500% | 2,067 |
| Net loans and leases to deposits | 81.9954% | 1,947 |
| Net loans and leases to core deposits | 93.2421% | 1,828 |
| Total domestic deposits to total assets | 82.6300% | 2,978 |
| Equity capital to assets | 17.1925% | 377 |
| Core capital (leverage) ratio | 17.9059% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $663,766,600 | 1,360 |
| Average earning assets | $612,131,000 | 1,356 |
| Average equity | $106,566,200 | 908 |
| Average total loans | $449,804,000 | 1,348 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 1,031 |
| Cost of funding earning assets | 1.3380% | 2,037 |
| Net interest margin | 4.1450% | 998 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.0366% | 3,502 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.4129% | 290 |
| Return on assets (ROA) | 2.4129% | 284 |
| Pretax return on assets | 2.4129% | 420 |
| Return on Equity (ROE) | 15.3000% | 1,392 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,816 |
| Net charge-offs to loans | 0.1099% | 726 |
| Credit loss provision to net charge-offs | 109.4595% | 1,554 |
| Earnings coverage of net charge-offs (x) | 33.5892% | 1,535 |
| Efficiency ratio | 44.9150% | 4,191 |
| Assets per employee ($millions) | 5.4294% | 3,238 |
| Cash dividends to net income (ytd only)* | 64.8757% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,568 |
| Loan loss allowance to noncurrent loans | 87.6150% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 548 |
| Noncurrent loans to loans | 1.3251% | 577 |
| Net loans and leases to total assets | 69.7000% | 1,865 |
| Net loans and leases to deposits | 84.3043% | 1,713 |
| Net loans and leases to core deposits | 94.5788% | 1,644 |
| Total domestic deposits to total assets | 82.6800% | 3,074 |
| Equity capital to assets | 15.6028% | 480 |
| Core capital (leverage) ratio | 17.5156% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $664,369,750 | 1,360 |
| Average earning assets | $612,648,750 | 1,353 |
| Average equity | $104,782,000 | 911 |
| Average total loans | $448,983,750 | 1,348 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 1,067 |
| Cost of funding earning assets | 1.2079% | 1,965 |
| Net interest margin | 4.1018% | 1,085 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 1.9798% | 3,636 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.4210% | 264 |
| Return on assets (ROA) | 2.4210% | 260 |
| Pretax return on assets | 2.4210% | 392 |
| Return on Equity (ROE) | 15.3000% | 1,413 |
| Retained earnings to average equity (ytd only) | 0.5556% | 3,977 |
| Net charge-offs to loans | 0.0727% | 842 |
| Credit loss provision to net charge-offs | 166.6667% | 1,136 |
| Earnings coverage of net charge-offs (x) | 51.6296% | 1,275 |
| Efficiency ratio | 44.1233% | 4,249 |
| Assets per employee ($millions) | 5.6894% | 2,987 |
| Cash dividends to net income (ytd only)* | 96.3677% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,460 |
| Loan loss allowance to noncurrent loans | 81.6123% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 484 |
| Noncurrent loans to loans | 1.4670% | 462 |
| Net loans and leases to total assets | 65.8900% | 2,168 |
| Net loans and leases to deposits | 78.0293% | 2,128 |
| Net loans and leases to core deposits | 86.7710% | 2,015 |
| Total domestic deposits to total assets | 84.4500% | 2,711 |
| Equity capital to assets | 15.4254% | 485 |
| Core capital (leverage) ratio | 16.8120% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $668,651,000 | 1,351 |
| Average earning assets | $616,269,000 | 1,346 |
| Average equity | $105,824,000 | 898 |
| Average total loans | $445,499,000 | 1,327 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 1,012 |
| Cost of funding earning assets | 1.0920% | 1,774 |
| Net interest margin | 4.0626% | 1,155 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 1.8951% | 3,858 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.4507% | 256 |
| Return on assets (ROA) | 2.4507% | 253 |
| Pretax return on assets | 2.4507% | 381 |
| Return on Equity (ROE) | 15.2900% | 1,497 |
| Retained earnings to average equity (ytd only) | 15.2876% | 761 |
| Net charge-offs to loans | 0.0859% | 653 |
| Credit loss provision to net charge-offs | 142.1053% | 972 |
| Earnings coverage of net charge-offs (x) | 44.2737% | 1,141 |
| Efficiency ratio | 42.6979% | 4,360 |
| Assets per employee ($millions) | 5.5600% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,485 |
| Loan loss allowance to noncurrent loans | 85.9997% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 476 |
| Noncurrent loans to loans | 1.4114% | 466 |
| Net loans and leases to total assets | 64.0400% | 2,250 |
| Net loans and leases to deposits | 76.4363% | 2,080 |
| Net loans and leases to core deposits | 82.9034% | 2,068 |
| Total domestic deposits to total assets | 83.7900% | 3,132 |
| Equity capital to assets | 16.0956% | 401 |
| Core capital (leverage) ratio | 17.0802% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $664,457,000 | 1,378 |
| Average earning assets | $612,114,500 | 1,374 |
| Average equity | $106,518,000 | 908 |
| Average total loans | $442,482,000 | 1,347 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 400 |
| Cost of funding earning assets | 0.4966% | 1,410 |
| Net interest margin | 4.3442% | 385 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.0394% | 3,471 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 2.6200% | 135 |
| Return on assets (ROA) | 2.6208% | 132 |
| Pretax return on assets | 2.6208% | 179 |
| Return on Equity (ROE) | 16.3600% | 987 |
| Retained earnings to average equity (ytd only) | 6.6605% | 2,383 |
| Net charge-offs to loans | 0.1423% | 572 |
| Credit loss provision to net charge-offs | 89.5522% | 1,636 |
| Earnings coverage of net charge-offs (x) | 28.7629% | 1,708 |
| Efficiency ratio | 42.6703% | 4,470 |
| Assets per employee ($millions) | 5.2468% | 3,470 |
| Cash dividends to net income (ytd only)* | 59.2837% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,439 |
| Loan loss allowance to noncurrent loans | 118.2853% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 699 |
| Noncurrent loans to loans | 1.0061% | 725 |
| Net loans and leases to total assets | 67.6200% | 1,871 |
| Net loans and leases to deposits | 82.0992% | 1,606 |
| Net loans and leases to core deposits | 89.0171% | 1,550 |
| Total domestic deposits to total assets | 82.3600% | 3,560 |
| Equity capital to assets | 15.9633% | 390 |
| Core capital (leverage) ratio | 17.6329% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $641,368,800 | 1,404 |
| Average earning assets | $593,278,200 | 1,400 |
| Average equity | $102,754,400 | 926 |
| Average total loans | $423,638,800 | 1,328 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 301 |
| Cost of funding earning assets | 0.4249% | 1,122 |
| Net interest margin | 4.3429% | 312 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.0058% | 3,471 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 2.7037% | 128 |
| Return on assets (ROA) | 2.7047% | 124 |
| Pretax return on assets | 2.7047% | 172 |
| Return on Equity (ROE) | 16.8700% | 823 |
| Retained earnings to average equity (ytd only) | 4.7345% | 3,186 |
| Net charge-offs to loans | 0.0236% | 1,355 |
| Credit loss provision to net charge-offs | 547.2973% | 579 |
| Earnings coverage of net charge-offs (x) | 180.5946% | 662 |
| Efficiency ratio | 41.5180% | 4,533 |
| Assets per employee ($millions) | 5.2156% | 3,488 |
| Cash dividends to net income (ytd only)* | 71.9300% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,944 |
| Loan loss allowance to noncurrent loans | 264.2526% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 1,562 |
| Noncurrent loans to loans | 0.4994% | 1,549 |
| Net loans and leases to total assets | 66.3500% | 1,851 |
| Net loans and leases to deposits | 77.9297% | 1,718 |
| Net loans and leases to core deposits | 83.4240% | 1,695 |
| Total domestic deposits to total assets | 85.1400% | 3,250 |
| Equity capital to assets | 14.7857% | 474 |
| Core capital (leverage) ratio | 16.7123% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $639,061,750 | 1,407 |
| Average earning assets | $591,873,500 | 1,413 |
| Average equity | $102,478,750 | 946 |
| Average total loans | $418,248,000 | 1,335 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 274 |
| Cost of funding earning assets | 0.4019% | 901 |
| Net interest margin | 4.2543% | 302 |
| Noninterest income to average assets | 0.7784% | 1,105 |
| Noninterest expense to average assets | 1.9814% | 3,481 |
| Loan and lease loss provision to assets | 0.0846% | 1,172 |
| Net operating income to assets | 2.6595% | 94 |
| Return on assets (ROA) | 2.6611% | 90 |
| Pretax return on assets | 2.6611% | 137 |
| Return on Equity (ROE) | 16.1721% | 674 |
| Retained earnings to average equity (ytd only) | -1.5864% | 4,350 |
| Net charge-offs to loans | -0.0043% | 3,296 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6048% | 4,580 |
| Assets per employee ($millions) | 5.0829% | 3,604 |
| Cash dividends to net income (ytd only)* | 109.8092% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,116 |
| Loan loss allowance to noncurrent loans | 264.1686% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 1,672 |
| Noncurrent loans to loans | 0.4981% | 1,629 |
| Net loans and leases to total assets | 65.0165% | 1,808 |
| Net loans and leases to deposits | 76.4119% | 1,655 |
| Net loans and leases to core deposits | 81.9658% | 1,594 |
| Total domestic deposits to total assets | 85.0869% | 3,467 |
| Equity capital to assets | 14.8700% | 414 |
| Core capital (leverage) ratio | 16.0863% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,243,333 | 1,414 |
| Average earning assets | $592,156,000 | 1,428 |
| Average equity | $105,020,667 | 935 |
| Average total loans | $413,886,000 | 1,342 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 257 |
| Cost of funding earning assets | 0.3810% | 984 |
| Net interest margin | 4.2216% | 275 |
| Noninterest income to average assets | 0.7012% | 1,316 |
| Noninterest expense to average assets | 1.9644% | 3,521 |
| Loan and lease loss provision to assets | 0.0854% | 974 |
| Net operating income to assets | 2.5643% | 114 |
| Return on assets (ROA) | 2.5643% | 112 |
| Pretax return on assets | 2.5643% | 167 |
| Return on Equity (ROE) | 14.8482% | 678 |
| Retained earnings to average equity (ytd only) | 14.8482% | 300 |
| Net charge-offs to loans | -0.0266% | 4,034 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2301% | 4,603 |
| Assets per employee ($millions) | 4.4375% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,141 |
| Loan loss allowance to noncurrent loans | 276.1500% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 1,860 |
| Noncurrent loans to loans | 0.4866% | 1,812 |
| Net loans and leases to total assets | 63.0191% | 1,739 |
| Net loans and leases to deposits | 75.6927% | 1,479 |
| Net loans and leases to core deposits | 81.6625% | 1,367 |
| Total domestic deposits to total assets | 83.2565% | 3,911 |
| Equity capital to assets | 16.6835% | 283 |
| Core capital (leverage) ratio | 17.0794% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $632,060,000 | 1,429 |
| Average earning assets | $585,846,000 | 1,439 |
| Average equity | $109,158,000 | 936 |
| Average total loans | $406,507,000 | 1,352 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 159 |
| Cost of funding earning assets | 0.4786% | 1,014 |
| Net interest margin | 4.8594% | 166 |
| Noninterest income to average assets | 0.7489% | 1,601 |
| Noninterest expense to average assets | 2.0528% | 3,524 |
| Loan and lease loss provision to assets | 0.0903% | 1,378 |
| Net operating income to assets | 3.1205% | 93 |
| Return on assets (ROA) | 3.1205% | 95 |
| Pretax return on assets | 3.1205% | 129 |
| Return on Equity (ROE) | 17.7043% | 493 |
| Retained earnings to average equity (ytd only) | 10.4157% | 817 |
| Net charge-offs to loans | 0.0442% | 1,403 |
| Credit loss provision to net charge-offs | 308.5714% | 1,044 |
| Earnings coverage of net charge-offs (x) | 109.6857% | 831 |
| Efficiency ratio | 38.6881% | 4,707 |
| Assets per employee ($millions) | 4.3103% | 4,265 |
| Cash dividends to net income (ytd only)* | 41.1686% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,220 |
| Loan loss allowance to noncurrent loans | 264.6101% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 1,913 |
| Noncurrent loans to loans | 0.5040% | 1,863 |
| Net loans and leases to total assets | 63.9040% | 1,712 |
| Net loans and leases to deposits | 77.8519% | 1,409 |
| Net loans and leases to core deposits | 84.4801% | 1,297 |
| Total domestic deposits to total assets | 82.0840% | 3,952 |
| Equity capital to assets | 17.8784% | 262 |
| Core capital (leverage) ratio | 17.1063% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,828,200 | 1,455 |
| Average earning assets | $555,422,400 | 1,465 |
| Average equity | $105,370,000 | 970 |
| Average total loans | $396,138,000 | 1,387 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5557% | 138 |
| Cost of funding earning assets | 0.4986% | 1,051 |
| Net interest margin | 5.0571% | 149 |
| Noninterest income to average assets | 0.7377% | 1,706 |
| Noninterest expense to average assets | 2.0120% | 3,637 |
| Loan and lease loss provision to assets | 0.0912% | 1,310 |
| Net operating income to assets | 3.3324% | 93 |
| Return on assets (ROA) | 3.3324% | 96 |
| Pretax return on assets | 3.3324% | 131 |
| Return on Equity (ROE) | 18.9780% | 520 |
| Retained earnings to average equity (ytd only) | 9.1293% | 1,649 |
| Net charge-offs to loans | -0.0064% | 3,510 |
| Credit loss provision to net charge-offs | -2,131.5789% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7082% | 4,799 |
| Assets per employee ($millions) | 4.2076% | 4,327 |
| Cash dividends to net income (ytd only)* | 51.8954% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,084 |
| Loan loss allowance to noncurrent loans | 323.3890% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 2,316 |
| Noncurrent loans to loans | 0.4281% | 2,276 |
| Net loans and leases to total assets | 62.8460% | 1,906 |
| Net loans and leases to deposits | 76.5230% | 1,620 |
| Net loans and leases to core deposits | 82.8418% | 1,510 |
| Total domestic deposits to total assets | 82.1270% | 3,907 |
| Equity capital to assets | 17.4684% | 301 |
| Core capital (leverage) ratio | 16.4728% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,113,500 | 1,484 |
| Average earning assets | $550,049,250 | 1,492 |
| Average equity | $103,970,250 | 996 |
| Average total loans | $394,671,250 | 1,421 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 103 |
| Cost of funding earning assets | 0.5165% | 1,111 |
| Net interest margin | 5.4675% | 104 |
| Noninterest income to average assets | 0.7231% | 1,738 |
| Noninterest expense to average assets | 2.0492% | 3,551 |
| Loan and lease loss provision to assets | 0.0924% | 1,355 |
| Net operating income to assets | 3.6544% | 84 |
| Return on assets (ROA) | 3.6544% | 85 |
| Pretax return on assets | 3.6544% | 110 |
| Return on Equity (ROE) | 20.7744% | 403 |
| Retained earnings to average equity (ytd only) | 5.8411% | 2,875 |
| Net charge-offs to loans | -0.0344% | 4,212 |
| Credit loss provision to net charge-offs | -397.0588% | 3,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0664% | 4,859 |
| Assets per employee ($millions) | 4.2172% | 4,316 |
| Cash dividends to net income (ytd only)* | 71.8832% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 2,215 |
| Loan loss allowance to noncurrent loans | 284.8372% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 2,294 |
| Noncurrent loans to loans | 0.4723% | 2,258 |
| Net loans and leases to total assets | 64.4277% | 1,900 |
| Net loans and leases to deposits | 77.9991% | 1,625 |
| Net loans and leases to core deposits | 84.7023% | 1,517 |
| Total domestic deposits to total assets | 82.6006% | 3,789 |
| Equity capital to assets | 17.0144% | 325 |
| Core capital (leverage) ratio | 16.0647% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,716,333 | 1,493 |
| Average earning assets | $542,518,333 | 1,501 |
| Average equity | $102,857,333 | 1,002 |
| Average total loans | $395,733,000 | 1,429 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0043% | 106 |
| Cost of funding earning assets | 0.5393% | 1,168 |
| Net interest margin | 5.4650% | 109 |
| Noninterest income to average assets | 0.6599% | 1,993 |
| Noninterest expense to average assets | 1.9999% | 3,713 |
| Loan and lease loss provision to assets | 0.0942% | 1,424 |
| Net operating income to assets | 3.6266% | 101 |
| Return on assets (ROA) | 3.6266% | 107 |
| Pretax return on assets | 3.6266% | 129 |
| Return on Equity (ROE) | 20.2644% | 511 |
| Retained earnings to average equity (ytd only) | 20.2644% | 259 |
| Net charge-offs to loans | -0.0729% | 4,531 |
| Credit loss provision to net charge-offs | -187.5000% | 2,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6543% | 4,864 |
| Assets per employee ($millions) | 4.1508% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 2,402 |
| Loan loss allowance to noncurrent loans | 279.1309% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 2,431 |
| Noncurrent loans to loans | 0.4688% | 2,446 |
| Net loans and leases to total assets | 66.1170% | 1,790 |
| Net loans and leases to deposits | 80.6884% | 1,453 |
| Net loans and leases to core deposits | 88.0081% | 1,369 |
| Total domestic deposits to total assets | 81.9411% | 3,904 |
| Equity capital to assets | 17.6473% | 269 |
| Core capital (leverage) ratio | 17.3209% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $573,435,500 | 1,505 |
| Average earning assets | $531,015,500 | 1,512 |
| Average equity | $102,623,500 | 990 |
| Average total loans | $395,304,500 | 1,430 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5954% | 159 |
| Cost of funding earning assets | 0.7842% | 1,279 |
| Net interest margin | 4.8111% | 167 |
| Noninterest income to average assets | 0.9010% | 1,268 |
| Noninterest expense to average assets | 2.1539% | 3,809 |
| Loan and lease loss provision to assets | 0.2533% | 1,529 |
| Net operating income to assets | 2.9363% | 98 |
| Return on assets (ROA) | 2.9363% | 101 |
| Pretax return on assets | 2.9363% | 129 |
| Return on Equity (ROE) | 16.1900% | 481 |
| Retained earnings to average equity (ytd only) | 8.4165% | 934 |
| Net charge-offs to loans | 0.1401% | 1,156 |
| Credit loss provision to net charge-offs | 256.2863% | 1,906 |
| Earnings coverage of net charge-offs (x) | 32.2727% | 1,545 |
| Efficiency ratio | 39.9578% | 4,872 |
| Assets per employee ($millions) | 4.0094% | 4,369 |
| Cash dividends to net income (ytd only)* | 48.0143% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,565 |
| Loan loss allowance to noncurrent loans | 208.3403% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 2,211 |
| Noncurrent loans to loans | 0.6102% | 2,173 |
| Net loans and leases to total assets | 70.1172% | 1,550 |
| Net loans and leases to deposits | 86.1217% | 1,249 |
| Net loans and leases to core deposits | 94.7212% | 1,195 |
| Total domestic deposits to total assets | 81.4165% | 3,781 |
| Equity capital to assets | 18.1633% | 261 |
| Core capital (leverage) ratio | 17.1665% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,103,800 | 1,483 |
| Average earning assets | $483,024,600 | 1,500 |
| Average equity | $94,873,400 | 1,009 |
| Average total loans | $368,934,600 | 1,456 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7036% | 153 |
| Cost of funding earning assets | 0.8425% | 1,293 |
| Net interest margin | 4.8611% | 178 |
| Noninterest income to average assets | 0.9031% | 1,212 |
| Noninterest expense to average assets | 2.1475% | 3,827 |
| Loan and lease loss provision to assets | 0.2066% | 1,942 |
| Net operating income to assets | 3.0390% | 90 |
| Return on assets (ROA) | 3.0390% | 96 |
| Pretax return on assets | 3.0390% | 120 |
| Return on Equity (ROE) | 16.7627% | 470 |
| Retained earnings to average equity (ytd only) | 6.2423% | 2,001 |
| Net charge-offs to loans | 0.0562% | 1,807 |
| Credit loss provision to net charge-offs | 522.2222% | 1,256 |
| Earnings coverage of net charge-offs (x) | 82.0261% | 906 |
| Efficiency ratio | 39.4649% | 4,902 |
| Assets per employee ($millions) | 3.9475% | 4,352 |
| Cash dividends to net income (ytd only)* | 62.7606% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,386 |
| Loan loss allowance to noncurrent loans | 192.2832% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,235 |
| Noncurrent loans to loans | 0.6510% | 2,161 |
| Net loans and leases to total assets | 70.5133% | 1,874 |
| Net loans and leases to deposits | 86.9672% | 1,593 |
| Net loans and leases to core deposits | 95.3102% | 1,524 |
| Total domestic deposits to total assets | 81.0804% | 3,642 |
| Equity capital to assets | 17.8850% | 310 |
| Core capital (leverage) ratio | 16.7635% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $515,554,250 | 1,483 |
| Average earning assets | $476,206,000 | 1,495 |
| Average equity | $93,467,250 | 1,014 |
| Average total loans | $362,929,250 | 1,460 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 295 |
| Cost of funding earning assets | 0.9158% | 1,297 |
| Net interest margin | 4.6544% | 371 |
| Noninterest income to average assets | 1.1989% | 698 |
| Noninterest expense to average assets | 2.1379% | 3,954 |
| Loan and lease loss provision to assets | 0.2102% | 1,964 |
| Net operating income to assets | 3.1443% | 76 |
| Return on assets (ROA) | 3.1443% | 79 |
| Pretax return on assets | 3.1443% | 103 |
| Return on Equity (ROE) | 17.2609% | 421 |
| Retained earnings to average equity (ytd only) | 1.2946% | 4,010 |
| Net charge-offs to loans | 0.0287% | 2,144 |
| Credit loss provision to net charge-offs | 1,045.0980% | 766 |
| Earnings coverage of net charge-offs (x) | 166.7843% | 504 |
| Efficiency ratio | 38.5726% | 4,948 |
| Assets per employee ($millions) | 3.8898% | 4,403 |
| Cash dividends to net income (ytd only)* | 92.4997% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,281 |
| Loan loss allowance to noncurrent loans | 177.0952% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 2,088 |
| Noncurrent loans to loans | 0.7032% | 2,120 |
| Net loans and leases to total assets | 68.9895% | 2,187 |
| Net loans and leases to deposits | 84.4554% | 1,943 |
| Net loans and leases to core deposits | 92.2095% | 1,883 |
| Total domestic deposits to total assets | 81.6875% | 3,450 |
| Equity capital to assets | 17.2855% | 349 |
| Core capital (leverage) ratio | 16.5687% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,137,667 | 1,481 |
| Average earning assets | $467,811,333 | 1,487 |
| Average equity | $92,382,000 | 1,014 |
| Average total loans | $355,181,333 | 1,474 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 233 |
| Cost of funding earning assets | 1.0244% | 1,320 |
| Net interest margin | 4.7337% | 304 |
| Noninterest income to average assets | 0.9791% | 899 |
| Noninterest expense to average assets | 2.0971% | 4,220 |
| Loan and lease loss provision to assets | 0.2161% | 1,424 |
| Net operating income to assets | 3.0363% | 62 |
| Return on assets (ROA) | 3.0363% | 63 |
| Pretax return on assets | 3.0363% | 88 |
| Return on Equity (ROE) | 16.2162% | 401 |
| Retained earnings to average equity (ytd only) | 16.2162% | 138 |
| Net charge-offs to loans | 0.0498% | 1,511 |
| Credit loss provision to net charge-offs | 618.6047% | 779 |
| Earnings coverage of net charge-offs (x) | 93.0930% | 607 |
| Efficiency ratio | 38.8214% | 4,996 |
| Assets per employee ($millions) | 3.4886% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,257 |
| Loan loss allowance to noncurrent loans | 175.9473% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 2,204 |
| Noncurrent loans to loans | 0.7249% | 2,182 |
| Net loans and leases to total assets | 68.9247% | 2,404 |
| Net loans and leases to deposits | 86.1009% | 1,988 |
| Net loans and leases to core deposits | 94.6680% | 1,909 |
| Total domestic deposits to total assets | 80.0511% | 3,848 |
| Equity capital to assets | 18.8031% | 302 |
| Core capital (leverage) ratio | 18.0033% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,310,500 | 1,484 |
| Average earning assets | $454,526,000 | 1,481 |
| Average equity | $92,179,500 | 1,011 |
| Average total loans | $345,272,000 | 1,467 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8780% | 275 |
| Cost of funding earning assets | 1.0802% | 1,401 |
| Net interest margin | 4.7978% | 396 |
| Noninterest income to average assets | 1.0888% | 800 |
| Noninterest expense to average assets | 2.2630% | 4,039 |
| Loan and lease loss provision to assets | 0.2088% | 962 |
| Net operating income to assets | 3.0430% | 76 |
| Return on assets (ROA) | 3.0496% | 78 |
| Pretax return on assets | 3.0496% | 97 |
| Return on Equity (ROE) | 17.2671% | 388 |
| Retained earnings to average equity (ytd only) | 9.6646% | 557 |
| Net charge-offs to loans | 0.1572% | 1,279 |
| Credit loss provision to net charge-offs | 192.9389% | 1,374 |
| Earnings coverage of net charge-offs (x) | 30.0420% | 1,584 |
| Efficiency ratio | 40.6675% | 5,057 |
| Assets per employee ($millions) | 3.5974% | 4,375 |
| Cash dividends to net income (ytd only)* | 44.0290% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,347 |
| Loan loss allowance to noncurrent loans | 152.8467% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 1,934 |
| Noncurrent loans to loans | 0.7949% | 1,919 |
| Net loans and leases to total assets | 69.5988% | 2,462 |
| Net loans and leases to deposits | 88.2638% | 1,804 |
| Net loans and leases to core deposits | 97.8246% | 1,745 |
| Total domestic deposits to total assets | 78.8532% | 4,210 |
| Equity capital to assets | 18.6436% | 322 |
| Core capital (leverage) ratio | 17.8068% | 352 |
| Tier 1 risk-based capital ratio | 24.3492% | 801 |
| Total risk-based capital ratio | 25.5329% | 788 |
| Memoranda: | ||
| Average total assets | $484,092,600 | 1,466 |
| Average earning assets | $446,582,000 | 1,464 |
| Average equity | $85,498,000 | 1,030 |
| Average total loans | $333,401,200 | 1,487 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 296 |
| Cost of funding earning assets | 1.0915% | 1,388 |
| Net interest margin | 4.8045% | 413 |
| Noninterest income to average assets | 1.1474% | 694 |
| Noninterest expense to average assets | 2.1952% | 4,190 |
| Loan and lease loss provision to assets | 0.2336% | 722 |
| Net operating income to assets | 3.1579% | 72 |
| Return on assets (ROA) | 3.1579% | 77 |
| Pretax return on assets | 3.1579% | 100 |
| Return on Equity (ROE) | 18.1353% | 383 |
| Retained earnings to average equity (ytd only) | 7.8267% | 1,483 |
| Net charge-offs to loans | 0.1331% | 1,198 |
| Credit loss provision to net charge-offs | 256.3636% | 1,069 |
| Earnings coverage of net charge-offs (x) | 37.2151% | 1,430 |
| Efficiency ratio | 38.9273% | 5,147 |
| Assets per employee ($millions) | 3.5260% | 4,476 |
| Cash dividends to net income (ytd only)* | 56.8430% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,223 |
| Loan loss allowance to noncurrent loans | 126.9034% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 1,677 |
| Noncurrent loans to loans | 0.9870% | 1,622 |
| Net loans and leases to total assets | 68.8249% | 2,653 |
| Net loans and leases to deposits | 84.3667% | 2,409 |
| Net loans and leases to core deposits | 93.8469% | 2,190 |
| Total domestic deposits to total assets | 81.5783% | 3,595 |
| Equity capital to assets | 18.2339% | 376 |
| Core capital (leverage) ratio | 16.8740% | 456 |
| Tier 1 risk-based capital ratio | 23.7893% | 863 |
| Total risk-based capital ratio | 25.0009% | 852 |
| Memoranda: | ||
| Average total assets | $482,805,500 | 1,477 |
| Average earning assets | $446,101,000 | 1,473 |
| Average equity | $84,069,500 | 1,040 |
| Average total loans | $330,578,000 | 1,501 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7070% | 401 |
| Cost of funding earning assets | 1.0510% | 1,494 |
| Net interest margin | 4.6560% | 544 |
| Noninterest income to average assets | 1.0271% | 829 |
| Noninterest expense to average assets | 2.1395% | 4,345 |
| Loan and lease loss provision to assets | 0.1736% | 1,044 |
| Net operating income to assets | 3.0274% | 83 |
| Return on assets (ROA) | 3.0274% | 88 |
| Pretax return on assets | 3.0274% | 119 |
| Return on Equity (ROE) | 17.6641% | 399 |
| Retained earnings to average equity (ytd only) | 1.9509% | 4,129 |
| Net charge-offs to loans | 0.1388% | 1,096 |
| Credit loss provision to net charge-offs | 183.7719% | 1,297 |
| Earnings coverage of net charge-offs (x) | 33.8860% | 1,373 |
| Efficiency ratio | 39.6819% | 5,169 |
| Assets per employee ($millions) | 3.6903% | 4,257 |
| Cash dividends to net income (ytd only)* | 88.9558% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,601 |
| Loan loss allowance to noncurrent loans | 61.5044% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 923 |
| Noncurrent loans to loans | 1.9283% | 754 |
| Net loans and leases to total assets | 66.0681% | 3,096 |
| Net loans and leases to deposits | 81.6988% | 2,761 |
| Net loans and leases to core deposits | 91.0619% | 2,502 |
| Total domestic deposits to total assets | 80.8679% | 3,855 |
| Equity capital to assets | 16.9616% | 473 |
| Core capital (leverage) ratio | 16.0809% | 535 |
| Tier 1 risk-based capital ratio | 23.0803% | 940 |
| Total risk-based capital ratio | 24.2224% | 919 |
| Memoranda: | ||
| Average total assets | $482,722,000 | 1,479 |
| Average earning assets | $447,204,330 | 1,476 |
| Average equity | $82,732,670 | 1,049 |
| Average total loans | $328,544,000 | 1,519 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5557% | 475 |
| Cost of funding earning assets | 0.9949% | 1,585 |
| Net interest margin | 4.5608% | 662 |
| Noninterest income to average assets | 0.8298% | 1,217 |
| Noninterest expense to average assets | 2.1476% | 4,377 |
| Loan and lease loss provision to assets | 0.1295% | 1,351 |
| Net operating income to assets | 2.7701% | 106 |
| Return on assets (ROA) | 2.7701% | 116 |
| Pretax return on assets | 2.7701% | 163 |
| Return on Equity (ROE) | 16.0776% | 579 |
| Retained earnings to average equity (ytd only) | 16.0776% | 218 |
| Net charge-offs to loans | 0.2531% | 573 |
| Credit loss provision to net charge-offs | 74.5192% | 1,820 |
| Earnings coverage of net charge-offs (x) | 16.6827% | 1,690 |
| Efficiency ratio | 42.1358% | 5,159 |
| Assets per employee ($millions) | 3.7271% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,061 |
| Loan loss allowance to noncurrent loans | 49.4242% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 721 |
| Noncurrent loans to loans | 2.2478% | 624 |
| Net loans and leases to total assets | 66.5070% | 2,975 |
| Net loans and leases to deposits | 82.6764% | 2,542 |
| Net loans and leases to core deposits | 91.5849% | 2,341 |
| Total domestic deposits to total assets | 80.4426% | 4,086 |
| Equity capital to assets | 17.3677% | 410 |
| Core capital (leverage) ratio | 16.8729% | 436 |
| Tier 1 risk-based capital ratio | 23.9859% | 842 |
| Total risk-based capital ratio | 25.0644% | 834 |
| Memoranda: | ||
| Average total assets | $478,681,000 | 1,494 |
| Average earning assets | $442,645,000 | 1,502 |
| Average equity | $82,475,000 | 1,044 |
| Average total loans | $328,737,500 | 1,524 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 314 |
| Cost of funding earning assets | 0.7449% | 1,821 |
| Net interest margin | 4.8881% | 325 |
| Noninterest income to average assets | 0.8607% | 1,289 |
| Noninterest expense to average assets | 2.3506% | 3,990 |
| Loan and lease loss provision to assets | 0.1751% | 1,131 |
| Net operating income to assets | 2.8414% | 98 |
| Return on assets (ROA) | 2.8414% | 96 |
| Pretax return on assets | 2.8414% | 117 |
| Return on Equity (ROE) | 17.2424% | 472 |
| Retained earnings to average equity (ytd only) | 8.7033% | 976 |
| Net charge-offs to loans | 0.2200% | 878 |
| Credit loss provision to net charge-offs | 114.2655% | 2,274 |
| Earnings coverage of net charge-offs (x) | 19.6808% | 2,046 |
| Efficiency ratio | 43.4011% | 5,198 |
| Assets per employee ($millions) | 3.4749% | 4,575 |
| Cash dividends to net income (ytd only)* | 49.5238% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,956 |
| Loan loss allowance to noncurrent loans | 60.9720% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3896% | 886 |
| Noncurrent loans to loans | 1.8444% | 763 |
| Net loans and leases to total assets | 69.3662% | 2,684 |
| Net loans and leases to deposits | 85.9706% | 2,274 |
| Net loans and leases to core deposits | 95.2680% | 2,112 |
| Total domestic deposits to total assets | 80.6860% | 3,959 |
| Equity capital to assets | 17.0860% | 411 |
| Core capital (leverage) ratio | 16.7218% | 438 |
| Tier 1 risk-based capital ratio | 23.1414% | 906 |
| Total risk-based capital ratio | 24.2423% | 890 |
| Memoranda: | ||
| Average total assets | $461,926,200 | 1,510 |
| Average earning assets | $425,851,600 | 1,511 |
| Average equity | $76,120,400 | 1,075 |
| Average total loans | $321,751,600 | 1,508 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 294 |
| Cost of funding earning assets | 0.6911% | 1,898 |
| Net interest margin | 4.9182% | 304 |
| Noninterest income to average assets | 0.8684% | 1,289 |
| Noninterest expense to average assets | 2.3410% | 3,993 |
| Loan and lease loss provision to assets | 0.0913% | 2,152 |
| Net operating income to assets | 2.9710% | 80 |
| Return on assets (ROA) | 2.9710% | 80 |
| Pretax return on assets | 2.9710% | 115 |
| Return on Equity (ROE) | 18.1999% | 409 |
| Retained earnings to average equity (ytd only) | 6.6619% | 2,302 |
| Net charge-offs to loans | 0.0871% | 1,632 |
| Credit loss provision to net charge-offs | 150.7177% | 1,700 |
| Earnings coverage of net charge-offs (x) | 50.5645% | 1,165 |
| Efficiency ratio | 42.9292% | 5,251 |
| Assets per employee ($millions) | 3.3560% | 4,721 |
| Cash dividends to net income (ytd only)* | 63.3961% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,057 |
| Loan loss allowance to noncurrent loans | 78.4173% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.1293% | 1,260 |
| Noncurrent loans to loans | 1.4323% | 1,155 |
| Net loans and leases to total assets | 70.4454% | 2,575 |
| Net loans and leases to deposits | 87.4833% | 2,213 |
| Net loans and leases to core deposits | 96.2623% | 2,089 |
| Total domestic deposits to total assets | 80.5244% | 3,988 |
| Equity capital to assets | 16.4508% | 463 |
| Core capital (leverage) ratio | 16.1630% | 496 |
| Tier 1 risk-based capital ratio | 22.2084% | 1,025 |
| Total risk-based capital ratio | 23.3073% | 1,026 |
| Memoranda: | ||
| Average total assets | $460,128,750 | 1,522 |
| Average earning assets | $424,260,000 | 1,527 |
| Average equity | $75,112,250 | 1,090 |
| Average total loans | $319,912,250 | 1,521 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 304 |
| Cost of funding earning assets | 0.6575% | 1,885 |
| Net interest margin | 4.8747% | 320 |
| Noninterest income to average assets | 0.8660% | 1,279 |
| Noninterest expense to average assets | 2.3619% | 3,991 |
| Loan and lease loss provision to assets | 0.0915% | 2,097 |
| Net operating income to assets | 2.8985% | 91 |
| Return on assets (ROA) | 2.8981% | 90 |
| Pretax return on assets | 2.8981% | 126 |
| Return on Equity (ROE) | 17.7999% | 435 |
| Retained earnings to average equity (ytd only) | 0.4093% | 4,890 |
| Net charge-offs to loans | 0.0758% | 1,566 |
| Credit loss provision to net charge-offs | 175.0000% | 1,425 |
| Earnings coverage of net charge-offs (x) | 57.2000% | 1,027 |
| Efficiency ratio | 43.7327% | 5,291 |
| Assets per employee ($millions) | 3.3334% | 4,785 |
| Cash dividends to net income (ytd only)* | 97.7003% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,946 |
| Loan loss allowance to noncurrent loans | 73.9775% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 1,303 |
| Noncurrent loans to loans | 1.5639% | 1,048 |
| Net loans and leases to total assets | 68.5318% | 2,788 |
| Net loans and leases to deposits | 83.7107% | 2,569 |
| Net loans and leases to core deposits | 91.3306% | 2,452 |
| Total domestic deposits to total assets | 81.8675% | 3,762 |
| Equity capital to assets | 15.9584% | 509 |
| Core capital (leverage) ratio | 15.3564% | 599 |
| Tier 1 risk-based capital ratio | 21.5038% | 1,100 |
| Total risk-based capital ratio | 22.6171% | 1,101 |
| Memoranda: | ||
| Average total assets | $459,127,330 | 1,534 |
| Average earning assets | $422,512,330 | 1,538 |
| Average equity | $74,753,330 | 1,092 |
| Average total loans | $316,562,330 | 1,536 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 305 |
| Cost of funding earning assets | 0.6300% | 1,846 |
| Net interest margin | 4.8203% | 330 |
| Noninterest income to average assets | 0.8128% | 1,411 |
| Noninterest expense to average assets | 2.2935% | 4,203 |
| Loan and lease loss provision to assets | 0.0916% | 1,980 |
| Net operating income to assets | 2.8647% | 86 |
| Return on assets (ROA) | 2.8656% | 86 |
| Pretax return on assets | 2.8656% | 127 |
| Return on Equity (ROE) | 17.4267% | 468 |
| Retained earnings to average equity (ytd only) | 17.4267% | 177 |
| Net charge-offs to loans | 0.1256% | 1,040 |
| Credit loss provision to net charge-offs | 106.0606% | 1,491 |
| Earnings coverage of net charge-offs (x) | 34.2424% | 1,161 |
| Efficiency ratio | 43.2724% | 5,365 |
| Assets per employee ($millions) | 3.8667% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,095 |
| Loan loss allowance to noncurrent loans | 77.2873% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 1,466 |
| Noncurrent loans to loans | 1.4867% | 1,187 |
| Net loans and leases to total assets | 66.3231% | 2,983 |
| Net loans and leases to deposits | 81.3202% | 2,654 |
| Net loans and leases to core deposits | 88.8844% | 2,557 |
| Total domestic deposits to total assets | 81.5580% | 4,073 |
| Equity capital to assets | 16.3358% | 460 |
| Core capital (leverage) ratio | 16.1014% | 472 |
| Tier 1 risk-based capital ratio | 22.6727% | 972 |
| Total risk-based capital ratio | 23.7722% | 968 |
| Memoranda: | ||
| Average total assets | $458,684,000 | 1,545 |
| Average earning assets | $422,215,500 | 1,545 |
| Average equity | $75,424,500 | 1,091 |
| Average total loans | $315,370,500 | 1,539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5885% | 233 |
| Cost of funding earning assets | 0.5670% | 1,841 |
| Net interest margin | 5.0215% | 230 |
| Noninterest income to average assets | 0.8759% | 1,340 |
| Noninterest expense to average assets | 2.4156% | 4,035 |
| Loan and lease loss provision to assets | 0.0974% | 2,266 |
| Net operating income to assets | 2.9816% | 72 |
| Return on assets (ROA) | 2.9830% | 72 |
| Pretax return on assets | 2.9830% | 101 |
| Return on Equity (ROE) | 18.6299% | 264 |
| Retained earnings to average equity (ytd only) | 9.4135% | 439 |
| Net charge-offs to loans | 0.1060% | 2,007 |
| Credit loss provision to net charge-offs | 130.3951% | 2,016 |
| Earnings coverage of net charge-offs (x) | 41.2219% | 1,241 |
| Efficiency ratio | 43.5584% | 5,466 |
| Assets per employee ($millions) | 3.6844% | 4,454 |
| Cash dividends to net income (ytd only)* | 49.4710% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,139 |
| Loan loss allowance to noncurrent loans | 49.6346% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 782 |
| Noncurrent loans to loans | 2.2893% | 620 |
| Net loans and leases to total assets | 69.6840% | 2,568 |
| Net loans and leases to deposits | 85.7247% | 2,297 |
| Net loans and leases to core deposits | 93.3437% | 2,253 |
| Total domestic deposits to total assets | 81.2881% | 4,055 |
| Equity capital to assets | 16.5559% | 449 |
| Core capital (leverage) ratio | 15.9586% | 479 |
| Tier 1 risk-based capital ratio | 21.8337% | 1,040 |
| Total risk-based capital ratio | 22.9382% | 1,032 |
| Memoranda: | ||
| Average total assets | $440,462,800 | 1,578 |
| Average earning assets | $405,137,400 | 1,582 |
| Average equity | $70,526,600 | 1,127 |
| Average total loans | $310,393,200 | 1,532 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 222 |
| Cost of funding earning assets | 0.5627% | 1,790 |
| Net interest margin | 5.0287% | 217 |
| Noninterest income to average assets | 0.8796% | 1,341 |
| Noninterest expense to average assets | 2.3574% | 4,127 |
| Loan and lease loss provision to assets | 0.0983% | 2,143 |
| Net operating income to assets | 3.0490% | 76 |
| Return on assets (ROA) | 3.0509% | 75 |
| Pretax return on assets | 3.0509% | 108 |
| Return on Equity (ROE) | 19.2211% | 263 |
| Retained earnings to average equity (ytd only) | 6.7610% | 1,814 |
| Net charge-offs to loans | 0.1010% | 1,773 |
| Credit loss provision to net charge-offs | 138.0342% | 1,791 |
| Earnings coverage of net charge-offs (x) | 44.2055% | 1,218 |
| Efficiency ratio | 42.4165% | 5,527 |
| Assets per employee ($millions) | 3.7991% | 4,309 |
| Cash dividends to net income (ytd only)* | 64.8250% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,209 |
| Loan loss allowance to noncurrent loans | 81.5682% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 1,606 |
| Noncurrent loans to loans | 1.4077% | 1,324 |
| Net loans and leases to total assets | 68.9232% | 2,706 |
| Net loans and leases to deposits | 84.3861% | 2,509 |
| Net loans and leases to core deposits | 91.6558% | 2,475 |
| Total domestic deposits to total assets | 81.6760% | 3,873 |
| Equity capital to assets | 16.0649% | 534 |
| Core capital (leverage) ratio | 15.3701% | 601 |
| Tier 1 risk-based capital ratio | 21.1341% | 1,174 |
| Total risk-based capital ratio | 22.2472% | 1,170 |
| Memoranda: | ||
| Average total assets | $438,204,750 | 1,594 |
| Average earning assets | $403,036,750 | 1,600 |
| Average equity | $69,553,750 | 1,153 |
| Average total loans | $308,785,000 | 1,537 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 249 |
| Cost of funding earning assets | 0.5563% | 1,735 |
| Net interest margin | 4.9384% | 246 |
| Noninterest income to average assets | 0.8697% | 1,367 |
| Noninterest expense to average assets | 2.3328% | 4,258 |
| Loan and lease loss provision to assets | 0.0989% | 2,037 |
| Net operating income to assets | 2.9827% | 78 |
| Return on assets (ROA) | 2.9855% | 79 |
| Pretax return on assets | 2.9855% | 114 |
| Return on Equity (ROE) | 18.8878% | 268 |
| Retained earnings to average equity (ytd only) | -0.0262% | 5,082 |
| Net charge-offs to loans | 0.0176% | 2,901 |
| Credit loss provision to net charge-offs | 796.2963% | 463 |
| Earnings coverage of net charge-offs (x) | 248.1481% | 342 |
| Efficiency ratio | 42.6690% | 5,556 |
| Assets per employee ($millions) | 3.6040% | 4,570 |
| Cash dividends to net income (ytd only)* | 100.1387% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,020 |
| Loan loss allowance to noncurrent loans | 64.1838% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 1,208 |
| Noncurrent loans to loans | 1.8691% | 944 |
| Net loans and leases to total assets | 69.6499% | 2,576 |
| Net loans and leases to deposits | 82.9915% | 2,601 |
| Net loans and leases to core deposits | 89.5905% | 2,562 |
| Total domestic deposits to total assets | 83.9242% | 3,227 |
| Equity capital to assets | 15.7660% | 562 |
| Core capital (leverage) ratio | 14.6670% | 705 |
| Tier 1 risk-based capital ratio | 20.2618% | 1,313 |
| Total risk-based capital ratio | 21.4207% | 1,307 |
| Memoranda: | ||
| Average total assets | $434,842,000 | 1,607 |
| Average earning assets | $400,168,000 | 1,611 |
| Average equity | $68,732,330 | 1,168 |
| Average total loans | $307,524,330 | 1,543 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 284 |
| Cost of funding earning assets | 0.5439% | 1,756 |
| Net interest margin | 4.8298% | 299 |
| Noninterest income to average assets | 0.8631% | 1,351 |
| Noninterest expense to average assets | 2.2486% | 4,540 |
| Loan and lease loss provision to assets | 0.0986% | 1,917 |
| Net operating income to assets | 2.9496% | 96 |
| Return on assets (ROA) | 2.9496% | 100 |
| Pretax return on assets | 2.9496% | 141 |
| Return on Equity (ROE) | 18.6373% | 300 |
| Retained earnings to average equity (ytd only) | 18.6373% | 130 |
| Net charge-offs to loans | 0.0650% | 1,682 |
| Credit loss provision to net charge-offs | 214.0000% | 972 |
| Earnings coverage of net charge-offs (x) | 66.1800% | 746 |
| Efficiency ratio | 42.0174% | 5,650 |
| Assets per employee ($millions) | 3.7175% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,352 |
| Loan loss allowance to noncurrent loans | 55.8837% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 1,106 |
| Noncurrent loans to loans | 2.0796% | 844 |
| Net loans and leases to total assets | 68.3829% | 2,617 |
| Net loans and leases to deposits | 82.7984% | 2,419 |
| Net loans and leases to core deposits | 89.5218% | 2,394 |
| Total domestic deposits to total assets | 82.5897% | 3,974 |
| Equity capital to assets | 15.9530% | 506 |
| Core capital (leverage) ratio | 15.5962% | 514 |
| Tier 1 risk-based capital ratio | 21.7490% | 1,114 |
| Total risk-based capital ratio | 22.8828% | 1,105 |
| Memoranda: | ||
| Average total assets | $434,224,000 | 1,622 |
| Average earning assets | $398,607,500 | 1,626 |
| Average equity | $68,722,500 | 1,154 |
| Average total loans | $307,578,500 | 1,542 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 146 |
| Cost of funding earning assets | 0.5347% | 1,832 |
| Net interest margin | 5.3273% | 146 |
| Noninterest income to average assets | 0.9257% | 1,331 |
| Noninterest expense to average assets | 2.5638% | 3,796 |
| Loan and lease loss provision to assets | 0.0953% | 2,456 |
| Net operating income to assets | 3.1788% | 75 |
| Return on assets (ROA) | 3.1680% | 75 |
| Pretax return on assets | 3.1680% | 102 |
| Return on Equity (ROE) | 20.1037% | 205 |
| Retained earnings to average equity (ytd only) | 10.7971% | 326 |
| Net charge-offs to loans | 0.1957% | 1,415 |
| Credit loss provision to net charge-offs | 67.8261% | 3,157 |
| Earnings coverage of net charge-offs (x) | 23.2957% | 1,691 |
| Efficiency ratio | 43.5396% | 5,712 |
| Assets per employee ($millions) | 3.4085% | 4,891 |
| Cash dividends to net income (ytd only)* | 46.2927% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,537 |
| Loan loss allowance to noncurrent loans | 82.5083% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 1,755 |
| Noncurrent loans to loans | 1.3724% | 1,494 |
| Net loans and leases to total assets | 71.7228% | 2,203 |
| Net loans and leases to deposits | 86.6523% | 2,088 |
| Net loans and leases to core deposits | 93.8532% | 2,122 |
| Total domestic deposits to total assets | 82.7708% | 3,836 |
| Equity capital to assets | 15.6952% | 537 |
| Core capital (leverage) ratio | 15.2165% | 574 |
| Tier 1 risk-based capital ratio | 20.6192% | 1,274 |
| Total risk-based capital ratio | 21.7369% | 1,260 |
| Memoranda: | ||
| Average total assets | $409,116,400 | 1,647 |
| Average earning assets | $377,248,000 | 1,651 |
| Average equity | $64,470,800 | 1,213 |
| Average total loans | $293,791,600 | 1,547 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8750% | 142 |
| Cost of funding earning assets | 0.5324% | 1,858 |
| Net interest margin | 5.3426% | 142 |
| Noninterest income to average assets | 0.9570% | 1,243 |
| Noninterest expense to average assets | 2.5894% | 3,703 |
| Loan and lease loss provision to assets | 0.0939% | 2,350 |
| Net operating income to assets | 3.2104% | 74 |
| Return on assets (ROA) | 3.1959% | 77 |
| Pretax return on assets | 3.1959% | 107 |
| Return on Equity (ROE) | 20.2592% | 226 |
| Retained earnings to average equity (ytd only) | 7.7342% | 1,293 |
| Net charge-offs to loans | 0.1724% | 1,333 |
| Credit loss provision to net charge-offs | 76.0000% | 2,713 |
| Earnings coverage of net charge-offs (x) | 26.7572% | 1,588 |
| Efficiency ratio | 43.5715% | 5,754 |
| Assets per employee ($millions) | 3.4314% | 4,868 |
| Cash dividends to net income (ytd only)* | 61.8238% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,479 |
| Loan loss allowance to noncurrent loans | 73.0840% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 1,581 |
| Noncurrent loans to loans | 1.5886% | 1,362 |
| Net loans and leases to total assets | 71.9259% | 2,207 |
| Net loans and leases to deposits | 87.6602% | 2,058 |
| Net loans and leases to core deposits | 94.6534% | 2,135 |
| Total domestic deposits to total assets | 82.0508% | 3,924 |
| Equity capital to assets | 15.4928% | 629 |
| Core capital (leverage) ratio | 14.4790% | 726 |
| Tier 1 risk-based capital ratio | 19.5471% | 1,535 |
| Total risk-based capital ratio | 20.6934% | 1,521 |
| Memoranda: | ||
| Average total assets | $404,878,750 | 1,667 |
| Average earning assets | $374,117,250 | 1,663 |
| Average equity | $63,870,500 | 1,241 |
| Average total loans | $289,967,750 | 1,567 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9148% | 136 |
| Cost of funding earning assets | 0.5248% | 1,905 |
| Net interest margin | 5.3900% | 133 |
| Noninterest income to average assets | 0.9884% | 1,143 |
| Noninterest expense to average assets | 2.6251% | 3,633 |
| Loan and lease loss provision to assets | 0.0905% | 2,339 |
| Net operating income to assets | 3.2638% | 81 |
| Return on assets (ROA) | 3.2406% | 82 |
| Pretax return on assets | 3.2406% | 107 |
| Return on Equity (ROE) | 20.4124% | 225 |
| Retained earnings to average equity (ytd only) | 1.4212% | 4,811 |
| Net charge-offs to loans | 0.1171% | 1,663 |
| Credit loss provision to net charge-offs | 108.4337% | 1,985 |
| Earnings coverage of net charge-offs (x) | 40.2108% | 1,153 |
| Efficiency ratio | 43.5583% | 5,823 |
| Assets per employee ($millions) | 3.3728% | 4,971 |
| Cash dividends to net income (ytd only)* | 93.0377% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 3,163 |
| Loan loss allowance to noncurrent loans | 103.7879% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 2,234 |
| Noncurrent loans to loans | 1.1890% | 1,931 |
| Net loans and leases to total assets | 70.2187% | 2,447 |
| Net loans and leases to deposits | 83.9829% | 2,470 |
| Net loans and leases to core deposits | 89.6418% | 2,571 |
| Total domestic deposits to total assets | 83.6106% | 3,416 |
| Equity capital to assets | 14.9285% | 745 |
| Core capital (leverage) ratio | 13.6907% | 908 |
| Tier 1 risk-based capital ratio | 19.0836% | 1,676 |
| Total risk-based capital ratio | 20.3001% | 1,653 |
| Memoranda: | ||
| Average total assets | $398,006,670 | 1,700 |
| Average earning assets | $368,533,330 | 1,695 |
| Average equity | $63,187,000 | 1,251 |
| Average total loans | $283,411,670 | 1,599 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 115 |
| Cost of funding earning assets | 0.5173% | 1,967 |
| Net interest margin | 5.5407% | 107 |
| Noninterest income to average assets | 1.0140% | 1,044 |
| Noninterest expense to average assets | 2.7094% | 3,379 |
| Loan and lease loss provision to assets | 0.0932% | 2,132 |
| Net operating income to assets | 3.3360% | 75 |
| Return on assets (ROA) | 3.2884% | 75 |
| Pretax return on assets | 3.2884% | 109 |
| Return on Equity (ROE) | 20.0597% | 243 |
| Retained earnings to average equity (ytd only) | 20.0597% | 94 |
| Net charge-offs to loans | 0.0523% | 2,003 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 91.9722% | 573 |
| Efficiency ratio | 43.8670% | 5,879 |
| Assets per employee ($millions) | 3.5948% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 3,054 |
| Loan loss allowance to noncurrent loans | 135.0795% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 2,826 |
| Noncurrent loans to loans | 0.9401% | 2,497 |
| Net loans and leases to total assets | 69.1172% | 2,477 |
| Net loans and leases to deposits | 83.1370% | 2,415 |
| Net loans and leases to core deposits | 88.5445% | 2,511 |
| Total domestic deposits to total assets | 83.1366% | 3,847 |
| Equity capital to assets | 15.4407% | 613 |
| Core capital (leverage) ratio | 50.4025% | 38 |
| Tier 1 risk-based capital ratio | 20.3471% | 1,430 |
| Total risk-based capital ratio | 21.5973% | 1,407 |
| Memoranda: | ||
| Average total assets | $386,208,500 | 1,737 |
| Average earning assets | $357,209,000 | 1,737 |
| Average equity | $63,311,000 | 1,237 |
| Average total loans | $275,246,000 | 1,637 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9745% | 137 |
| Cost of funding earning assets | 0.4788% | 2,361 |
| Net interest margin | 5.4957% | 122 |
| Noninterest income to average assets | 1.1285% | 932 |
| Noninterest expense to average assets | 2.6330% | 3,805 |
| Loan and lease loss provision to assets | 0.1804% | 1,254 |
| Net operating income to assets | 3.4137% | 70 |
| Return on assets (ROA) | 3.4205% | 72 |
| Pretax return on assets | 3.4205% | 93 |
| Return on Equity (ROE) | 19.8086% | 261 |
| Retained earnings to average equity (ytd only) | 11.1872% | 330 |
| Net charge-offs to loans | 0.2808% | 1,084 |
| Credit loss provision to net charge-offs | 88.9868% | 2,776 |
| Earnings coverage of net charge-offs (x) | 17.7254% | 2,055 |
| Efficiency ratio | 42.0723% | 6,025 |
| Assets per employee ($millions) | 3.4834% | 4,860 |
| Cash dividends to net income (ytd only)* | 43.5237% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 2,254 |
| Loan loss allowance to noncurrent loans | 197.9055% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 3,519 |
| Noncurrent loans to loans | 0.7272% | 3,001 |
| Net loans and leases to total assets | 71.7307% | 2,099 |
| Net loans and leases to deposits | 91.9493% | 1,407 |
| Net loans and leases to core deposits | 99.2484% | 1,575 |
| Total domestic deposits to total assets | 78.0112% | 5,162 |
| Equity capital to assets | 17.5314% | 357 |
| Core capital (leverage) ratio | 16.9754% | 367 |
| Tier 1 risk-based capital ratio | 23.1164% | 1,004 |
| Total risk-based capital ratio | 24.3687% | 989 |
| Memoranda: | ||
| Average total assets | $335,853,800 | 1,954 |
| Average earning assets | $311,589,800 | 1,943 |
| Average equity | $57,995,000 | 1,296 |
| Average total loans | $242,519,600 | 1,779 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9494% | 141 |
| Cost of funding earning assets | 0.4749% | 2,455 |
| Net interest margin | 5.4745% | 132 |
| Noninterest income to average assets | 1.1458% | 910 |
| Noninterest expense to average assets | 2.5327% | 4,097 |
| Loan and lease loss provision to assets | 0.2033% | 982 |
| Net operating income to assets | 3.4998% | 63 |
| Return on assets (ROA) | 3.5090% | 62 |
| Pretax return on assets | 3.5090% | 91 |
| Return on Equity (ROE) | 20.4034% | 248 |
| Retained earnings to average equity (ytd only) | 8.7230% | 995 |
| Net charge-offs to loans | 0.0847% | 2,336 |
| Credit loss provision to net charge-offs | 332.8947% | 885 |
| Earnings coverage of net charge-offs (x) | 60.6387% | 919 |
| Efficiency ratio | 40.4098% | 6,126 |
| Assets per employee ($millions) | 3.2419% | 5,232 |
| Cash dividends to net income (ytd only)* | 57.2475% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 1,597 |
| Loan loss allowance to noncurrent loans | 176.0377% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 3,147 |
| Noncurrent loans to loans | 0.9396% | 2,620 |
| Net loans and leases to total assets | 71.8602% | 2,084 |
| Net loans and leases to deposits | 89.4990% | 1,712 |
| Net loans and leases to core deposits | 96.7470% | 1,817 |
| Total domestic deposits to total assets | 80.2917% | 4,672 |
| Equity capital to assets | 17.2803% | 407 |
| Core capital (leverage) ratio | 16.4415% | 434 |
| Tier 1 risk-based capital ratio | 22.7608% | 1,089 |
| Total risk-based capital ratio | 24.0158% | 1,068 |
| Memoranda: | ||
| Average total assets | $331,862,250 | 1,995 |
| Average earning assets | $308,548,750 | 1,984 |
| Average equity | $57,074,000 | 1,320 |
| Average total loans | $239,137,500 | 1,812 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 150 |
| Cost of funding earning assets | 0.4717% | 2,500 |
| Net interest margin | 5.4175% | 138 |
| Noninterest income to average assets | 1.1361% | 935 |
| Noninterest expense to average assets | 2.5257% | 4,154 |
| Loan and lease loss provision to assets | 0.2067% | 944 |
| Net operating income to assets | 3.4369% | 74 |
| Return on assets (ROA) | 3.4321% | 75 |
| Pretax return on assets | 3.4321% | 100 |
| Return on Equity (ROE) | 19.9890% | 266 |
| Retained earnings to average equity (ytd only) | 2.2871% | 4,577 |
| Net charge-offs to loans | 0.0873% | 2,163 |
| Credit loss provision to net charge-offs | 330.0971% | 869 |
| Earnings coverage of net charge-offs (x) | 58.1942% | 854 |
| Efficiency ratio | 40.7232% | 6,191 |
| Assets per employee ($millions) | 3.2375% | 5,283 |
| Cash dividends to net income (ytd only)* | 88.5583% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,819 |
| Loan loss allowance to noncurrent loans | 188.5377% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 3,349 |
| Noncurrent loans to loans | 0.8633% | 2,969 |
| Net loans and leases to total assets | 71.7468% | 2,030 |
| Net loans and leases to deposits | 87.9170% | 1,848 |
| Net loans and leases to core deposits | 94.4475% | 1,914 |
| Total domestic deposits to total assets | 81.6075% | 4,416 |
| Equity capital to assets | 16.3732% | 478 |
| Core capital (leverage) ratio | 15.7442% | 507 |
| Tier 1 risk-based capital ratio | 21.7334% | 1,240 |
| Total risk-based capital ratio | 22.9879% | 1,228 |
| Memoranda: | ||
| Average total assets | $329,015,000 | 2,020 |
| Average earning assets | $305,674,330 | 2,014 |
| Average equity | $56,491,000 | 1,342 |
| Average total loans | $235,940,330 | 1,833 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 166 |
| Cost of funding earning assets | 0.4683% | 2,576 |
| Net interest margin | 5.3495% | 145 |
| Noninterest income to average assets | 1.0308% | 1,052 |
| Noninterest expense to average assets | 2.5254% | 4,185 |
| Loan and lease loss provision to assets | 0.1107% | 1,867 |
| Net operating income to assets | 3.3545% | 76 |
| Return on assets (ROA) | 3.3545% | 79 |
| Pretax return on assets | 3.3545% | 112 |
| Return on Equity (ROE) | 19.0793% | 317 |
| Retained earnings to average equity (ytd only) | 19.0793% | 116 |
| Net charge-offs to loans | 0.0571% | 2,187 |
| Credit loss provision to net charge-offs | 272.7273% | 872 |
| Earnings coverage of net charge-offs (x) | 85.3636% | 561 |
| Efficiency ratio | 41.9507% | 6,234 |
| Assets per employee ($millions) | 3.1112% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 1,973 |
| Loan loss allowance to noncurrent loans | 215.6497% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 3,799 |
| Noncurrent loans to loans | 0.7512% | 3,384 |
| Net loans and leases to total assets | 70.2908% | 2,097 |
| Net loans and leases to deposits | 87.4647% | 1,679 |
| Net loans and leases to core deposits | 94.0513% | 1,763 |
| Total domestic deposits to total assets | 80.3648% | 4,968 |
| Equity capital to assets | 17.7965% | 350 |
| Core capital (leverage) ratio | 16.8183% | 378 |
| Tier 1 risk-based capital ratio | 23.4059% | 1,059 |
| Total risk-based capital ratio | 24.6609% | 1,033 |
| Memoranda: | ||
| Average total assets | $325,171,500 | 2,048 |
| Average earning assets | $301,487,500 | 2,043 |
| Average equity | $57,172,000 | 1,334 |
| Average total loans | $231,125,500 | 1,868 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1827% | 125 |
| Cost of funding earning assets | 0.5639% | 2,105 |
| Net interest margin | 5.6188% | 111 |
| Noninterest income to average assets | 1.0783% | 1,046 |
| Noninterest expense to average assets | 2.7766% | 3,573 |
| Loan and lease loss provision to assets | 0.1273% | 2,059 |
| Net operating income to assets | 3.4342% | 72 |
| Return on assets (ROA) | 3.4363% | 73 |
| Pretax return on assets | 3.4363% | 84 |
| Return on Equity (ROE) | 20.6239% | 216 |
| Retained earnings to average equity (ytd only) | 11.6294% | 326 |
| Net charge-offs to loans | -0.0593% | 5,980 |
| Credit loss provision to net charge-offs | -308.5470% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5852% | 6,333 |
| Assets per employee ($millions) | 2.9958% | 5,702 |
| Cash dividends to net income (ytd only)* | 43.6121% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,902 |
| Loan loss allowance to noncurrent loans | 214.9800% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 3,869 |
| Noncurrent loans to loans | 0.7718% | 3,383 |
| Net loans and leases to total assets | 69.5242% | 2,302 |
| Net loans and leases to deposits | 86.8895% | 1,860 |
| Net loans and leases to core deposits | 93.4432% | 1,956 |
| Total domestic deposits to total assets | 80.0145% | 5,011 |
| Equity capital to assets | 17.3616% | 381 |
| Core capital (leverage) ratio | 16.5384% | 411 |
| Tier 1 risk-based capital ratio | 21.7123% | 1,265 |
| Total risk-based capital ratio | 22.9668% | 1,241 |
| Memoranda: | ||
| Average total assets | $283,587,600 | 2,244 |
| Average earning assets | $265,465,000 | 2,234 |
| Average equity | $47,251,000 | 1,526 |
| Average total loans | $197,339,800 | 2,058 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2831% | 115 |
| Cost of funding earning assets | 0.5948% | 1,886 |
| Net interest margin | 5.6883% | 105 |
| Noninterest income to average assets | 1.1173% | 975 |
| Noninterest expense to average assets | 2.8605% | 3,256 |
| Loan and lease loss provision to assets | 0.1312% | 1,912 |
| Net operating income to assets | 3.4515% | 72 |
| Return on assets (ROA) | 3.4515% | 71 |
| Pretax return on assets | 3.4515% | 88 |
| Return on Equity (ROE) | 20.9723% | 235 |
| Retained earnings to average equity (ytd only) | 8.4220% | 1,180 |
| Net charge-offs to loans | -0.1291% | 6,203 |
| Credit loss provision to net charge-offs | -146.7391% | 5,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1696% | 6,359 |
| Assets per employee ($millions) | 3.0524% | 5,675 |
| Cash dividends to net income (ytd only)* | 59.8423% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 1,936 |
| Loan loss allowance to noncurrent loans | 206.7515% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 3,572 |
| Noncurrent loans to loans | 0.8270% | 3,507 |
| Net loans and leases to total assets | 68.3071% | 2,481 |
| Net loans and leases to deposits | 82.3607% | 2,378 |
| Net loans and leases to core deposits | 88.1827% | 2,406 |
| Total domestic deposits to total assets | 82.9364% | 4,172 |
| Equity capital to assets | 16.8263% | 449 |
| Core capital (leverage) ratio | 15.8305% | 500 |
| Tier 1 risk-based capital ratio | 21.1048% | 1,433 |
| Total risk-based capital ratio | 22.3597% | 1,407 |
| Memoranda: | ||
| Average total assets | $274,346,250 | 2,341 |
| Average earning assets | $256,873,500 | 2,310 |
| Average equity | $45,150,500 | 1,596 |
| Average total loans | $190,019,250 | 2,131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4423% | 95 |
| Cost of funding earning assets | 0.6309% | 1,641 |
| Net interest margin | 5.8114% | 94 |
| Noninterest income to average assets | 1.1310% | 920 |
| Noninterest expense to average assets | 2.9571% | 2,976 |
| Loan and lease loss provision to assets | 0.1379% | 1,799 |
| Net operating income to assets | 3.4851% | 73 |
| Return on assets (ROA) | 3.4851% | 74 |
| Pretax return on assets | 3.4851% | 88 |
| Return on Equity (ROE) | 21.3687% | 228 |
| Retained earnings to average equity (ytd only) | 1.4001% | 5,182 |
| Net charge-offs to loans | 0.0266% | 3,661 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 330 |
| Efficiency ratio | 44.7071% | 6,399 |
| Assets per employee ($millions) | 3.0560% | 5,679 |
| Cash dividends to net income (ytd only)* | 93.4477% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,382 |
| Loan loss allowance to noncurrent loans | 216.0905% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,199 |
| Noncurrent loans to loans | 0.7512% | 3,823 |
| Net loans and leases to total assets | 66.8413% | 2,610 |
| Net loans and leases to deposits | 80.1238% | 2,501 |
| Net loans and leases to core deposits | 85.8579% | 2,528 |
| Total domestic deposits to total assets | 83.4226% | 4,141 |
| Equity capital to assets | 16.0821% | 538 |
| Core capital (leverage) ratio | 15.2302% | 565 |
| Tier 1 risk-based capital ratio | 20.7230% | 1,504 |
| Total risk-based capital ratio | 21.9796% | 1,483 |
| Memoranda: | ||
| Average total assets | $260,996,670 | 2,449 |
| Average earning assets | $244,725,330 | 2,394 |
| Average equity | $42,567,000 | 1,679 |
| Average total loans | $180,529,000 | 2,225 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9765% | 69 |
| Cost of funding earning assets | 0.6957% | 1,273 |
| Net interest margin | 6.2808% | 72 |
| Noninterest income to average assets | 1.1815% | 799 |
| Noninterest expense to average assets | 3.3237% | 1,895 |
| Loan and lease loss provision to assets | 0.1528% | 1,585 |
| Net operating income to assets | 3.6055% | 69 |
| Return on assets (ROA) | 3.6055% | 73 |
| Pretax return on assets | 3.6055% | 100 |
| Return on Equity (ROE) | 21.9051% | 203 |
| Retained earnings to average equity (ytd only) | 21.9051% | 90 |
| Net charge-offs to loans | 0.0534% | 2,634 |
| Credit loss provision to net charge-offs | 409.0909% | 641 |
| Earnings coverage of net charge-offs (x) | 100.6364% | 458 |
| Efficiency ratio | 46.6922% | 6,403 |
| Assets per employee ($millions) | 3.2390% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 2,690 |
| Loan loss allowance to noncurrent loans | 291.3043% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 4,726 |
| Noncurrent loans to loans | 0.5502% | 4,511 |
| Net loans and leases to total assets | 66.8346% | 2,423 |
| Net loans and leases to deposits | 80.5455% | 2,221 |
| Net loans and leases to core deposits | 86.4134% | 2,274 |
| Total domestic deposits to total assets | 82.9774% | 4,610 |
| Equity capital to assets | 16.6596% | 436 |
| Core capital (leverage) ratio | 16.3332% | 440 |
| Tier 1 risk-based capital ratio | 22.1768% | 1,261 |
| Total risk-based capital ratio | 23.4337% | 1,244 |
| Memoranda: | ||
| Average total assets | $235,638,500 | 2,684 |
| Average earning assets | $221,372,500 | 2,640 |
| Average equity | $38,785,500 | 1,814 |
| Average total loans | $164,898,000 | 2,399 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0735% | 155 |
| Cost of funding earning assets | 0.6796% | 1,963 |
| Net interest margin | 5.3940% | 157 |
| Noninterest income to average assets | 1.0356% | 1,305 |
| Noninterest expense to average assets | 2.7087% | 4,061 |
| Loan and lease loss provision to assets | 0.1287% | 2,704 |
| Net operating income to assets | 3.2281% | 93 |
| Return on assets (ROA) | 3.2281% | 93 |
| Pretax return on assets | 3.2281% | 98 |
| Return on Equity (ROE) | 20.4571% | 259 |
| Retained earnings to average equity (ytd only) | 10.5071% | 486 |
| Net charge-offs to loans | 0.1124% | 3,702 |
| Credit loss provision to net charge-offs | 156.4885% | 1,476 |
| Earnings coverage of net charge-offs (x) | 40.8015% | 930 |
| Efficiency ratio | 44.2431% | 6,609 |
| Assets per employee ($millions) | 3.0290% | 5,789 |
| Cash dividends to net income (ytd only)* | 48.6381% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 4,511 |
| Loan loss allowance to noncurrent loans | 552.9851% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 5,758 |
| Noncurrent loans to loans | 0.2219% | 5,525 |
| Net loans and leases to total assets | 72.9409% | 1,529 |
| Net loans and leases to deposits | 87.0359% | 1,571 |
| Net loans and leases to core deposits | 97.4022% | 1,352 |
| Total domestic deposits to total assets | 83.8055% | 4,242 |
| Equity capital to assets | 16.0838% | 514 |
| Core capital (leverage) ratio | 15.4629% | 549 |
| Tier 1 risk-based capital ratio | 21.2381% | 1,379 |
| Total risk-based capital ratio | 22.4785% | 1,363 |
| Memoranda: | ||
| Average total assets | $159,226,400 | 3,576 |
| Average earning assets | $148,480,400 | 3,532 |
| Average equity | $25,125,800 | 2,616 |
| Average total loans | $116,526,000 | 3,119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0567% | 161 |
| Cost of funding earning assets | 0.6920% | 2,006 |
| Net interest margin | 5.3647% | 174 |
| Noninterest income to average assets | 1.0379% | 1,350 |
| Noninterest expense to average assets | 2.4450% | 4,889 |
| Loan and lease loss provision to assets | 0.1307% | 2,653 |
| Net operating income to assets | 3.4492% | 82 |
| Return on assets (ROA) | 3.4492% | 82 |
| Pretax return on assets | 3.4492% | 100 |
| Return on Equity (ROE) | 21.9673% | 204 |
| Retained earnings to average equity (ytd only) | 8.5431% | 1,216 |
| Net charge-offs to loans | 0.0762% | 3,854 |
| Credit loss provision to net charge-offs | 234.8485% | 1,034 |
| Earnings coverage of net charge-offs (x) | 64.3317% | 711 |
| Efficiency ratio | 40.1623% | 6,751 |
| Assets per employee ($millions) | 3.2530% | 5,378 |
| Cash dividends to net income (ytd only)* | 61.1098% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 4,630 |
| Loan loss allowance to noncurrent loans | 435.1744% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 5,678 |
| Noncurrent loans to loans | 0.2876% | 5,512 |
| Net loans and leases to total assets | 72.6065% | 1,515 |
| Net loans and leases to deposits | 86.2534% | 1,587 |
| Net loans and leases to core deposits | 96.0059% | 1,392 |
| Total domestic deposits to total assets | 84.1781% | 4,122 |
| Equity capital to assets | 15.5741% | 619 |
| Core capital (leverage) ratio | 15.0785% | 624 |
| Tier 1 risk-based capital ratio | 20.3887% | 1,630 |
| Total risk-based capital ratio | 21.6390% | 1,602 |
| Memoranda: | ||
| Average total assets | $158,141,000 | 3,623 |
| Average earning assets | $147,006,750 | 3,590 |
| Average equity | $24,830,250 | 2,665 |
| Average total loans | $115,460,000 | 3,157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0093% | 181 |
| Cost of funding earning assets | 0.6953% | 2,099 |
| Net interest margin | 5.3139% | 182 |
| Noninterest income to average assets | 1.0304% | 1,436 |
| Noninterest expense to average assets | 2.3940% | 5,072 |
| Loan and lease loss provision to assets | 0.1328% | 2,662 |
| Net operating income to assets | 3.4410% | 83 |
| Return on assets (ROA) | 3.4410% | 88 |
| Pretax return on assets | 3.4410% | 110 |
| Return on Equity (ROE) | 21.8543% | 208 |
| Retained earnings to average equity (ytd only) | 1.5813% | 5,237 |
| Net charge-offs to loans | 0.0386% | 4,138 |
| Credit loss provision to net charge-offs | 472.7273% | 584 |
| Earnings coverage of net charge-offs (x) | 127.2273% | 382 |
| Efficiency ratio | 39.6876% | 6,808 |
| Assets per employee ($millions) | 3.1672% | 5,553 |
| Cash dividends to net income (ytd only)* | 92.7644% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,618 |
| Loan loss allowance to noncurrent loans | 419.7183% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 5,716 |
| Noncurrent loans to loans | 0.3039% | 5,545 |
| Net loans and leases to total assets | 72.8159% | 1,437 |
| Net loans and leases to deposits | 87.7946% | 1,368 |
| Net loans and leases to core deposits | 98.1930% | 1,194 |
| Total domestic deposits to total assets | 82.9390% | 4,721 |
| Equity capital to assets | 14.9563% | 722 |
| Core capital (leverage) ratio | 14.5248% | 695 |
| Tier 1 risk-based capital ratio | 19.5949% | 1,831 |
| Total risk-based capital ratio | 20.8454% | 1,803 |
| Memoranda: | ||
| Average total assets | $156,638,670 | 3,663 |
| Average earning assets | $145,541,670 | 3,636 |
| Average equity | $24,663,330 | 2,703 |
| Average total loans | $114,083,330 | 3,189 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9564% | 184 |
| Cost of funding earning assets | 0.6926% | 2,285 |
| Net interest margin | 5.2638% | 177 |
| Noninterest income to average assets | 1.0271% | 1,407 |
| Noninterest expense to average assets | 2.3957% | 5,138 |
| Loan and lease loss provision to assets | 0.1387% | 2,510 |
| Net operating income to assets | 3.3715% | 86 |
| Return on assets (ROA) | 3.3715% | 91 |
| Pretax return on assets | 3.3715% | 117 |
| Return on Equity (ROE) | 20.8806% | 240 |
| Retained earnings to average equity (ytd only) | 20.8806% | 114 |
| Net charge-offs to loans | 0.0177% | 3,798 |
| Credit loss provision to net charge-offs | 1,080.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 273.4000% | 137 |
| Efficiency ratio | 40.1304% | 6,870 |
| Assets per employee ($millions) | 3.1735% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,714 |
| Loan loss allowance to noncurrent loans | 379.4271% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 5,607 |
| Noncurrent loans to loans | 0.3418% | 5,546 |
| Net loans and leases to total assets | 71.3202% | 1,471 |
| Net loans and leases to deposits | 87.6643% | 1,178 |
| Net loans and leases to core deposits | 98.0228% | 1,076 |
| Total domestic deposits to total assets | 81.3560% | 5,402 |
| Equity capital to assets | 16.5476% | 487 |
| Core capital (leverage) ratio | 15.4869% | 517 |
| Tier 1 risk-based capital ratio | 21.2128% | 1,487 |
| Total risk-based capital ratio | 22.4634% | 1,463 |
| Memoranda: | ||
| Average total assets | $155,777,500 | 3,711 |
| Average earning assets | $144,382,500 | 3,690 |
| Average equity | $25,152,500 | 2,688 |
| Average total loans | $112,724,000 | 3,237 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2306% | 185 |
| Cost of funding earning assets | 0.7352% | 3,206 |
| Net interest margin | 5.4954% | 173 |
| Noninterest income to average assets | 1.1550% | 1,169 |
| Noninterest expense to average assets | 2.6504% | 4,568 |
| Loan and lease loss provision to assets | 0.1394% | 3,866 |
| Net operating income to assets | 3.4842% | 78 |
| Return on assets (ROA) | 3.4842% | 77 |
| Pretax return on assets | 3.4842% | 96 |
| Return on Equity (ROE) | 22.3193% | 204 |
| Retained earnings to average equity (ytd only) | 12.4687% | 289 |
| Net charge-offs to loans | 0.0767% | 4,907 |
| Credit loss provision to net charge-offs | 251.8519% | 964 |
| Earnings coverage of net charge-offs (x) | 65.4568% | 549 |
| Efficiency ratio | 41.8192% | 6,897 |
| Assets per employee ($millions) | 3.1847% | 5,659 |
| Cash dividends to net income (ytd only)* | 44.1350% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 4,905 |
| Loan loss allowance to noncurrent loans | 442.7673% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 5,945 |
| Noncurrent loans to loans | 0.2812% | 5,779 |
| Net loans and leases to total assets | 71.5646% | 1,558 |
| Net loans and leases to deposits | 86.3826% | 1,464 |
| Net loans and leases to core deposits | 96.3838% | 1,270 |
| Total domestic deposits to total assets | 82.8461% | 4,781 |
| Equity capital to assets | 15.7467% | 599 |
| Core capital (leverage) ratio | 14.9840% | 573 |
| Tier 1 risk-based capital ratio | 20.0688% | 1,655 |
| Total risk-based capital ratio | 21.3139% | 1,631 |
| Memoranda: | ||
| Average total assets | $146,316,800 | 3,839 |
| Average earning assets | $136,294,800 | 3,786 |
| Average equity | $22,841,200 | 2,867 |
| Average total loans | $105,599,200 | 3,381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2089% | 207 |
| Cost of funding earning assets | 0.7457% | 3,383 |
| Net interest margin | 5.4632% | 184 |
| Noninterest income to average assets | 1.1713% | 1,106 |
| Noninterest expense to average assets | 2.5965% | 4,754 |
| Loan and lease loss provision to assets | 0.1436% | 3,738 |
| Net operating income to assets | 3.5361% | 70 |
| Return on assets (ROA) | 3.5361% | 73 |
| Pretax return on assets | 3.5361% | 98 |
| Return on Equity (ROE) | 22.7053% | 203 |
| Retained earnings to average equity (ytd only) | 9.3178% | 1,122 |
| Net charge-offs to loans | 0.0450% | 5,024 |
| Credit loss provision to net charge-offs | 442.8571% | 605 |
| Earnings coverage of net charge-offs (x) | 113.4461% | 379 |
| Efficiency ratio | 40.9567% | 6,997 |
| Assets per employee ($millions) | 3.0316% | 6,000 |
| Cash dividends to net income (ytd only)* | 58.9624% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,905 |
| Loan loss allowance to noncurrent loans | 363.9896% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 5,817 |
| Noncurrent loans to loans | 0.3514% | 5,773 |
| Net loans and leases to total assets | 73.0112% | 1,389 |
| Net loans and leases to deposits | 88.3027% | 1,313 |
| Net loans and leases to core deposits | 99.5676% | 1,157 |
| Total domestic deposits to total assets | 82.6829% | 4,761 |
| Equity capital to assets | 15.7317% | 657 |
| Core capital (leverage) ratio | 14.5213% | 702 |
| Tier 1 risk-based capital ratio | 19.9499% | 1,774 |
| Total risk-based capital ratio | 21.1066% | 1,769 |
| Memoranda: | ||
| Average total assets | $143,883,000 | 3,920 |
| Average earning assets | $134,448,250 | 3,866 |
| Average equity | $22,408,250 | 2,954 |
| Average total loans | $103,727,500 | 3,467 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1646% | 234 |
| Cost of funding earning assets | 0.7459% | 3,634 |
| Net interest margin | 5.4187% | 205 |
| Noninterest income to average assets | 1.2057% | 986 |
| Noninterest expense to average assets | 2.5729% | 4,867 |
| Loan and lease loss provision to assets | 0.1461% | 3,693 |
| Net operating income to assets | 3.5397% | 74 |
| Return on assets (ROA) | 3.5397% | 74 |
| Pretax return on assets | 3.5397% | 105 |
| Return on Equity (ROE) | 22.8088% | 217 |
| Retained earnings to average equity (ytd only) | 2.4357% | 4,968 |
| Net charge-offs to loans | 0.0354% | 4,890 |
| Credit loss provision to net charge-offs | 577.7778% | 536 |
| Earnings coverage of net charge-offs (x) | 145.7222% | 310 |
| Efficiency ratio | 40.7050% | 7,052 |
| Assets per employee ($millions) | 3.0430% | 5,974 |
| Cash dividends to net income (ytd only)* | 89.3212% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,953 |
| Loan loss allowance to noncurrent loans | 272.5646% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 5,621 |
| Noncurrent loans to loans | 0.4715% | 5,592 |
| Net loans and leases to total assets | 72.1043% | 1,540 |
| Net loans and leases to deposits | 86.4913% | 1,532 |
| Net loans and leases to core deposits | 97.2797% | 1,321 |
| Total domestic deposits to total assets | 83.3660% | 4,594 |
| Equity capital to assets | 15.0648% | 770 |
| Core capital (leverage) ratio | 13.9028% | 830 |
| Tier 1 risk-based capital ratio | 17.8638% | 2,337 |
| Total risk-based capital ratio | 19.0266% | 2,342 |
| Memoranda: | ||
| Average total assets | $142,328,330 | 3,964 |
| Average earning assets | $132,725,000 | 3,907 |
| Average equity | $22,088,000 | 2,977 |
| Average total loans | $101,683,000 | 3,522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1310% | 253 |
| Cost of funding earning assets | 0.7342% | 3,994 |
| Net interest margin | 5.3967% | 216 |
| Noninterest income to average assets | 1.1847% | 1,019 |
| Noninterest expense to average assets | 2.6370% | 4,674 |
| Loan and lease loss provision to assets | 0.1424% | 3,576 |
| Net operating income to assets | 3.4287% | 86 |
| Return on assets (ROA) | 3.4287% | 95 |
| Pretax return on assets | 3.4287% | 124 |
| Return on Equity (ROE) | 21.7623% | 283 |
| Retained earnings to average equity (ytd only) | 21.7623% | 137 |
| Net charge-offs to loans | 0.0323% | 4,236 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 156.7500% | 233 |
| Efficiency ratio | 41.9725% | 7,057 |
| Assets per employee ($millions) | 3.0737% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,890 |
| Loan loss allowance to noncurrent loans | 373.8028% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 6,141 |
| Noncurrent loans to loans | 0.3555% | 5,962 |
| Net loans and leases to total assets | 68.1962% | 2,072 |
| Net loans and leases to deposits | 82.4958% | 1,864 |
| Net loans and leases to core deposits | 91.0493% | 1,744 |
| Total domestic deposits to total assets | 82.6663% | 5,055 |
| Equity capital to assets | 15.7354% | 612 |
| Core capital (leverage) ratio | 15.0044% | 600 |
| Tier 1 risk-based capital ratio | 20.0061% | 1,712 |
| Total risk-based capital ratio | 21.1757% | 1,700 |
| Memoranda: | ||
| Average total assets | $140,461,500 | 4,023 |
| Average earning assets | $130,746,000 | 3,977 |
| Average equity | $22,130,000 | 2,966 |
| Average total loans | $99,180,500 | 3,619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7307% | 138 |
| Cost of funding earning assets | 0.8634% | 4,369 |
| Net interest margin | 5.8673% | 105 |
| Noninterest income to average assets | 1.3736% | 679 |
| Noninterest expense to average assets | 3.0381% | 3,450 |
| Loan and lease loss provision to assets | 0.1162% | 5,147 |
| Net operating income to assets | 3.6322% | 61 |
| Return on assets (ROA) | 3.6322% | 63 |
| Pretax return on assets | 3.6322% | 88 |
| Return on Equity (ROE) | 22.9516% | 157 |
| Retained earnings to average equity (ytd only) | 15.2480% | 119 |
| Net charge-offs to loans | 0.0907% | 5,433 |
| Credit loss provision to net charge-offs | 172.2892% | 1,545 |
| Earnings coverage of net charge-offs (x) | 55.5663% | 512 |
| Efficiency ratio | 44.2994% | 7,115 |
| Assets per employee ($millions) | 2.9665% | 6,166 |
| Cash dividends to net income (ytd only)* | 33.5646% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,879 |
| Loan loss allowance to noncurrent loans | 258.5513% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 4,822 |
| Noncurrent loans to loans | 0.5045% | 5,698 |
| Net loans and leases to total assets | 71.2522% | 1,777 |
| Net loans and leases to deposits | 86.3330% | 1,629 |
| Net loans and leases to core deposits | 93.0582% | 1,794 |
| Total domestic deposits to total assets | 82.5317% | 4,954 |
| Equity capital to assets | 15.7762% | 618 |
| Core capital (leverage) ratio | 14.7967% | 650 |
| Tier 1 risk-based capital ratio | 19.2797% | 1,824 |
| Total risk-based capital ratio | 20.4497% | 1,807 |
| Memoranda: | ||
| Average total assets | $123,038,800 | 4,321 |
| Average earning assets | $113,509,600 | 4,292 |
| Average equity | $19,471,400 | 3,217 |
| Average total loans | $91,469,600 | 3,820 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8269% | 127 |
| Cost of funding earning assets | 0.9008% | 4,390 |
| Net interest margin | 5.9261% | 99 |
| Noninterest income to average assets | 1.5396% | 554 |
| Noninterest expense to average assets | 3.0702% | 3,280 |
| Loan and lease loss provision to assets | 0.1092% | 5,072 |
| Net operating income to assets | 3.8200% | 60 |
| Return on assets (ROA) | 3.8200% | 64 |
| Pretax return on assets | 3.8200% | 93 |
| Return on Equity (ROE) | 24.1168% | 159 |
| Retained earnings to average equity (ytd only) | 13.5671% | 325 |
| Net charge-offs to loans | 0.1323% | 4,729 |
| Credit loss provision to net charge-offs | 110.1124% | 2,997 |
| Earnings coverage of net charge-offs (x) | 39.6305% | 775 |
| Efficiency ratio | 43.4187% | 7,163 |
| Assets per employee ($millions) | 2.9816% | 6,165 |
| Cash dividends to net income (ytd only)* | 43.7445% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 5,132 |
| Loan loss allowance to noncurrent loans | 254.9587% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 4,877 |
| Noncurrent loans to loans | 0.4995% | 5,844 |
| Net loans and leases to total assets | 72.9234% | 1,525 |
| Net loans and leases to deposits | 88.2849% | 1,399 |
| Net loans and leases to core deposits | 95.2158% | 1,679 |
| Total domestic deposits to total assets | 82.6002% | 4,833 |
| Equity capital to assets | 15.5758% | 706 |
| Core capital (leverage) ratio | 14.5428% | 760 |
| Tier 1 risk-based capital ratio | 18.6836% | 2,033 |
| Total risk-based capital ratio | 19.8580% | 2,015 |
| Memoranda: | ||
| Average total assets | $119,683,750 | 4,435 |
| Average earning assets | $110,266,750 | 4,416 |
| Average equity | $18,957,250 | 3,293 |
| Average total loans | $89,708,250 | 3,903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8956% | 121 |
| Cost of funding earning assets | 0.9406% | 4,389 |
| Net interest margin | 5.9549% | 96 |
| Noninterest income to average assets | 1.6211% | 497 |
| Noninterest expense to average assets | 3.0402% | 3,480 |
| Loan and lease loss provision to assets | 0.1088% | 4,940 |
| Net operating income to assets | 3.9586% | 64 |
| Return on assets (ROA) | 3.9586% | 65 |
| Pretax return on assets | 3.9586% | 97 |
| Return on Equity (ROE) | 24.8362% | 141 |
| Retained earnings to average equity (ytd only) | 8.5892% | 1,236 |
| Net charge-offs to loans | 0.2130% | 3,858 |
| Credit loss provision to net charge-offs | 67.7419% | 4,123 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,040 |
| Efficiency ratio | 42.3609% | 7,292 |
| Assets per employee ($millions) | 4.6582% | 2,605 |
| Cash dividends to net income (ytd only)* | 65.4165% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 5,322 |
| Loan loss allowance to noncurrent loans | 252.1097% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 4,921 |
| Noncurrent loans to loans | 0.4949% | 5,916 |
| Net loans and leases to total assets | 75.1956% | 1,207 |
| Net loans and leases to deposits | 89.6242% | 1,318 |
| Net loans and leases to core deposits | 96.5386% | 1,626 |
| Total domestic deposits to total assets | 83.9010% | 4,391 |
| Equity capital to assets | 15.0399% | 814 |
| Core capital (leverage) ratio | 14.1191% | 845 |
| Tier 1 risk-based capital ratio | 18.0163% | 2,168 |
| Total risk-based capital ratio | 19.1981% | 2,142 |
| Memoranda: | ||
| Average total assets | $115,848,000 | 4,564 |
| Average earning assets | $106,735,330 | 4,540 |
| Average equity | $18,465,000 | 3,340 |
| Average total loans | $87,310,000 | 4,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8142% | 134 |
| Cost of funding earning assets | 0.9628% | 4,477 |
| Net interest margin | 5.8514% | 111 |
| Noninterest income to average assets | 1.7387% | 455 |
| Noninterest expense to average assets | 2.9941% | 3,670 |
| Loan and lease loss provision to assets | 0.1082% | 4,659 |
| Net operating income to assets | 4.0294% | 74 |
| Return on assets (ROA) | 4.0294% | 78 |
| Pretax return on assets | 4.0294% | 102 |
| Return on Equity (ROE) | 24.4963% | 181 |
| Retained earnings to average equity (ytd only) | 24.4963% | 108 |
| Net charge-offs to loans | 0.4044% | 2,478 |
| Credit loss provision to net charge-offs | 35.7143% | 4,024 |
| Earnings coverage of net charge-offs (x) | 13.6548% | 1,420 |
| Efficiency ratio | 41.6287% | 7,356 |
| Assets per employee ($millions) | 2.9326% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 5,149 |
| Loan loss allowance to noncurrent loans | 669.1429% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 5,391 |
| Noncurrent loans to loans | 0.1937% | 6,580 |
| Net loans and leases to total assets | 72.4026% | 1,633 |
| Net loans and leases to deposits | 85.7424% | 1,769 |
| Net loans and leases to core deposits | 93.0547% | 2,003 |
| Total domestic deposits to total assets | 84.4420% | 4,299 |
| Equity capital to assets | 15.3364% | 696 |
| Core capital (leverage) ratio | 15.1351% | 640 |
| Tier 1 risk-based capital ratio | 19.3756% | 1,719 |
| Total risk-based capital ratio | 20.5626% | 1,698 |
| Memoranda: | ||
| Average total assets | $110,886,000 | 4,716 |
| Average earning assets | $102,198,000 | 4,679 |
| Average equity | $18,239,500 | 3,366 |
| Average total loans | $83,080,000 | 4,160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6157% | 271 |
| Cost of funding earning assets | 0.9767% | 5,800 |
| Net interest margin | 5.6390% | 140 |
| Noninterest income to average assets | 1.3812% | 763 |
| Noninterest expense to average assets | 3.0812% | 3,540 |
| Loan and lease loss provision to assets | 0.2157% | 5,098 |
| Net operating income to assets | 3.1983% | 66 |
| Return on assets (ROA) | 3.1983% | 67 |
| Pretax return on assets | 3.1983% | 100 |
| Return on Equity (ROE) | 17.1416% | 465 |
| Retained earnings to average equity (ytd only) | 8.4255% | 861 |
| Net charge-offs to loans | 0.0447% | 6,358 |
| Credit loss provision to net charge-offs | 663.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 104.9667% | 238 |
| Efficiency ratio | 47.4378% | 7,287 |
| Assets per employee ($millions) | 2.9879% | 6,126 |
| Cash dividends to net income (ytd only)* | 50.8475% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,518 |
| Loan loss allowance to noncurrent loans | 135.9600% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 5,190 |
| Noncurrent loans to loans | 1.1885% | 4,730 |
| Net loans and leases to total assets | 75.6432% | 1,342 |
| Net loans and leases to deposits | 96.3319% | 845 |
| Net loans and leases to core deposits | 106.2631% | 1,175 |
| Total domestic deposits to total assets | 78.5235% | 6,211 |
| Equity capital to assets | 17.8386% | 390 |
| Core capital (leverage) ratio | 18.4795% | 304 |
| Tier 1 risk-based capital ratio | 23.1122% | 1,024 |
| Total risk-based capital ratio | 24.3664% | 1,006 |
| Memoranda: | ||
| Average total assets | $92,237,200 | 5,218 |
| Average earning assets | $83,649,800 | 5,221 |
| Average equity | $17,209,600 | 3,551 |
| Average total loans | $67,122,200 | 4,787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 301 |
| Cost of funding earning assets | 1.0148% | 5,872 |
| Net interest margin | 5.5618% | 154 |
| Noninterest income to average assets | 1.3429% | 749 |
| Noninterest expense to average assets | 2.8300% | 4,350 |
| Loan and lease loss provision to assets | 0.2192% | 4,872 |
| Net operating income to assets | 3.3080% | 66 |
| Return on assets (ROA) | 3.3080% | 69 |
| Pretax return on assets | 3.3080% | 96 |
| Return on Equity (ROE) | 17.5205% | 529 |
| Retained earnings to average equity (ytd only) | 5.8350% | 2,458 |
| Net charge-offs to loans | 0.0657% | 5,857 |
| Credit loss provision to net charge-offs | 465.6250% | 639 |
| Earnings coverage of net charge-offs (x) | 74.9297% | 404 |
| Efficiency ratio | 44.5164% | 7,449 |
| Assets per employee ($millions) | 2.9545% | 6,261 |
| Cash dividends to net income (ytd only)* | 66.6963% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 3,097 |
| Loan loss allowance to noncurrent loans | 528.3784% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 6,760 |
| Noncurrent loans to loans | 0.3254% | 6,543 |
| Net loans and leases to total assets | 73.2092% | 1,973 |
| Net loans and leases to deposits | 91.0218% | 1,578 |
| Net loans and leases to core deposits | 100.8847% | 1,759 |
| Total domestic deposits to total assets | 80.4304% | 5,565 |
| Equity capital to assets | 19.1569% | 341 |
| Core capital (leverage) ratio | 18.4825% | 324 |
| Tier 1 risk-based capital ratio | 26.9718% | 699 |
| Total risk-based capital ratio | 28.2291% | 681 |
| Memoranda: | ||
| Average total assets | $90,646,250 | 5,333 |
| Average earning assets | $81,722,000 | 5,351 |
| Average equity | $17,114,750 | 3,619 |
| Average total loans | $64,950,250 | 4,948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5796% | 297 |
| Cost of funding earning assets | 1.0305% | 5,999 |
| Net interest margin | 5.5490% | 155 |
| Noninterest income to average assets | 1.2842% | 775 |
| Noninterest expense to average assets | 2.7632% | 4,646 |
| Loan and lease loss provision to assets | 0.2236% | 4,666 |
| Net operating income to assets | 3.2569% | 64 |
| Return on assets (ROA) | 3.2569% | 69 |
| Pretax return on assets | 3.2569% | 97 |
| Return on Equity (ROE) | 17.3355% | 537 |
| Retained earnings to average equity (ytd only) | -0.3418% | 5,803 |
| Net charge-offs to loans | -0.0532% | 7,458 |
| Credit loss provision to net charge-offs | -594.1176% | 6,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2553% | 7,514 |
| Assets per employee ($millions) | 3.0105% | 6,124 |
| Cash dividends to net income (ytd only)* | 101.9714% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,724 |
| Loan loss allowance to noncurrent loans | 308.1365% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 6,396 |
| Noncurrent loans to loans | 0.5833% | 6,082 |
| Net loans and leases to total assets | 71.0255% | 2,648 |
| Net loans and leases to deposits | 87.2236% | 2,299 |
| Net loans and leases to core deposits | 95.3730% | 2,524 |
| Total domestic deposits to total assets | 81.4292% | 5,227 |
| Equity capital to assets | 18.2164% | 395 |
| Core capital (leverage) ratio | 17.8374% | 370 |
| Tier 1 risk-based capital ratio | 26.4760% | 735 |
| Total risk-based capital ratio | 27.7333% | 724 |
| Memoranda: | ||
| Average total assets | $90,331,330 | 5,378 |
| Average earning assets | $80,735,000 | 5,409 |
| Average equity | $16,971,000 | 3,636 |
| Average total loans | $63,858,330 | 5,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4423% | 401 |
| Cost of funding earning assets | 1.0373% | 6,184 |
| Net interest margin | 5.4050% | 210 |
| Noninterest income to average assets | 1.2132% | 827 |
| Noninterest expense to average assets | 2.7585% | 4,658 |
| Loan and lease loss provision to assets | 0.2258% | 4,232 |
| Net operating income to assets | 3.0507% | 91 |
| Return on assets (ROA) | 3.0507% | 97 |
| Pretax return on assets | 3.0507% | 135 |
| Return on Equity (ROE) | 15.9949% | 722 |
| Retained earnings to average equity (ytd only) | 15.9949% | 344 |
| Net charge-offs to loans | -0.1647% | 7,634 |
| Credit loss provision to net charge-offs | -196.1538% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7080% | 7,559 |
| Assets per employee ($millions) | 3.2025% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 2,724 |
| Loan loss allowance to noncurrent loans | 439.1473% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 6,756 |
| Noncurrent loans to loans | 0.4101% | 6,474 |
| Net loans and leases to total assets | 68.9004% | 3,179 |
| Net loans and leases to deposits | 86.1099% | 2,567 |
| Net loans and leases to core deposits | 90.8467% | 3,250 |
| Total domestic deposits to total assets | 80.0145% | 5,784 |
| Equity capital to assets | 19.6699% | 303 |
| Core capital (leverage) ratio | 18.6102% | 334 |
| Tier 1 risk-based capital ratio | 27.4826% | 674 |
| Total risk-based capital ratio | 28.6941% | 664 |
| Memoranda: | ||
| Average total assets | $90,340,000 | 5,437 |
| Average earning assets | $80,592,500 | 5,485 |
| Average equity | $17,230,500 | 3,617 |
| Average total loans | $63,127,500 | 5,131 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6346% | 529 |
| Cost of funding earning assets | 1.2416% | 6,499 |
| Net interest margin | 5.3930% | 210 |
| Noninterest income to average assets | 1.3010% | 887 |
| Noninterest expense to average assets | 2.9554% | 4,327 |
| Loan and lease loss provision to assets | 0.2093% | 5,668 |
| Net operating income to assets | 3.0600% | 53 |
| Return on assets (ROA) | 3.0600% | 58 |
| Pretax return on assets | 3.0600% | 94 |
| Return on Equity (ROE) | 16.7033% | 481 |
| Retained earnings to average equity (ytd only) | 7.1839% | 904 |
| Net charge-offs to loans | 1.0225% | 2,365 |
| Credit loss provision to net charge-offs | 29.4599% | 6,901 |
| Earnings coverage of net charge-offs (x) | 4.6023% | 2,889 |
| Efficiency ratio | 47.4785% | 7,649 |
| Assets per employee ($millions) | 3.3707% | 5,323 |
| Cash dividends to net income (ytd only)* | 56.9909% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 3,017 |
| Loan loss allowance to noncurrent loans | 341.7476% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 6,597 |
| Noncurrent loans to loans | 0.4879% | 6,280 |
| Net loans and leases to total assets | 68.4353% | 3,600 |
| Net loans and leases to deposits | 84.2106% | 3,216 |
| Net loans and leases to core deposits | 105.9037% | 3,350 |
| Total domestic deposits to total assets | 81.2669% | 5,244 |
| Equity capital to assets | 18.4848% | 410 |
| Core capital (leverage) ratio | 18.1713% | 394 |
| Tier 1 risk-based capital ratio | 27.1534% | 694 |
| Total risk-based capital ratio | 28.4091% | 678 |
| Memoranda: | ||
| Average total assets | $86,013,400 | 5,524 |
| Average earning assets | $78,527,600 | 5,509 |
| Average equity | $15,757,400 | 3,907 |
| Average total loans | $59,755,200 | 5,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6633% | 541 |
| Cost of funding earning assets | 1.2771% | 6,634 |
| Net interest margin | 5.3862% | 217 |
| Noninterest income to average assets | 1.4314% | 730 |
| Noninterest expense to average assets | 3.0043% | 4,025 |
| Loan and lease loss provision to assets | 0.2124% | 5,284 |
| Net operating income to assets | 3.1569% | 56 |
| Return on assets (ROA) | 3.1569% | 60 |
| Pretax return on assets | 3.1569% | 94 |
| Return on Equity (ROE) | 17.2741% | 520 |
| Retained earnings to average equity (ytd only) | 4.3637% | 2,833 |
| Net charge-offs to loans | 1.2006% | 1,694 |
| Credit loss provision to net charge-offs | 25.4717% | 6,532 |
| Earnings coverage of net charge-offs (x) | 4.0415% | 3,289 |
| Efficiency ratio | 47.1372% | 7,711 |
| Assets per employee ($millions) | 2.7291% | 6,784 |
| Cash dividends to net income (ytd only)* | 74.7385% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 2,305 |
| Loan loss allowance to noncurrent loans | 975.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 4,848 |
| Noncurrent loans to loans | 0.1838% | 7,034 |
| Net loans and leases to total assets | 68.5297% | 3,843 |
| Net loans and leases to deposits | 84.8040% | 3,522 |
| Net loans and leases to core deposits | 108.3557% | 3,429 |
| Total domestic deposits to total assets | 80.8096% | 5,151 |
| Equity capital to assets | 18.7965% | 434 |
| Core capital (leverage) ratio | 17.8341% | 462 |
| Tier 1 risk-based capital ratio | 26.7005% | 775 |
| Total risk-based capital ratio | 27.9367% | 750 |
| Memoranda: | ||
| Average total assets | $84,764,250 | 5,597 |
| Average earning assets | $77,777,250 | 5,564 |
| Average equity | $15,491,000 | 4,007 |
| Average total loans | $58,859,250 | 5,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7369% | 506 |
| Cost of funding earning assets | 1.3150% | 6,751 |
| Net interest margin | 5.4219% | 202 |
| Noninterest income to average assets | 1.4206% | 745 |
| Noninterest expense to average assets | 2.8674% | 4,650 |
| Loan and lease loss provision to assets | 0.2169% | 4,873 |
| Net operating income to assets | 3.2797% | 47 |
| Return on assets (ROA) | 3.2797% | 51 |
| Pretax return on assets | 3.2797% | 81 |
| Return on Equity (ROE) | 18.1255% | 485 |
| Retained earnings to average equity (ytd only) | -1.6334% | 5,655 |
| Net charge-offs to loans | 0.2338% | 4,035 |
| Credit loss provision to net charge-offs | 133.8235% | 3,484 |
| Earnings coverage of net charge-offs (x) | 21.5735% | 1,256 |
| Efficiency ratio | 45.0562% | 7,888 |
| Assets per employee ($millions) | 2.9403% | 6,292 |
| Cash dividends to net income (ytd only)* | 109.0116% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4654% | 934 |
| Loan loss allowance to noncurrent loans | 114.2209% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6372% | 3,753 |
| Noncurrent loans to loans | 2.1585% | 3,298 |
| Net loans and leases to total assets | 70.0571% | 3,695 |
| Net loans and leases to deposits | 85.6432% | 3,612 |
| Net loans and leases to core deposits | 107.0095% | 3,722 |
| Total domestic deposits to total assets | 81.8011% | 4,771 |
| Equity capital to assets | 17.8060% | 571 |
| Core capital (leverage) ratio | 17.5609% | 555 |
| Tier 1 risk-based capital ratio | 26.3017% | 831 |
| Total risk-based capital ratio | 27.5512% | 807 |
| Memoranda: | ||
| Average total assets | $83,909,000 | 5,658 |
| Average earning assets | $76,504,000 | 5,656 |
| Average equity | $15,183,000 | 4,082 |
| Average total loans | $58,166,000 | 5,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8814% | 420 |
| Cost of funding earning assets | 1.4117% | 6,691 |
| Net interest margin | 5.4697% | 184 |
| Noninterest income to average assets | 1.3313% | 806 |
| Noninterest expense to average assets | 2.7490% | 4,783 |
| Loan and lease loss provision to assets | 0.2259% | 4,191 |
| Net operating income to assets | 3.2537% | 57 |
| Return on assets (ROA) | 3.2537% | 66 |
| Pretax return on assets | 3.2537% | 98 |
| Return on Equity (ROE) | 17.8357% | 604 |
| Retained earnings to average equity (ytd only) | 17.8357% | 239 |
| Net charge-offs to loans | 0.0848% | 4,318 |
| Credit loss provision to net charge-offs | 391.6667% | 1,318 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 644 |
| Efficiency ratio | 44.1358% | 7,920 |
| Assets per employee ($millions) | 2.7955% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6894% | 633 |
| Loan loss allowance to noncurrent loans | 111.0139% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6348% | 3,456 |
| Noncurrent loans to loans | 2.4226% | 2,718 |
| Net loans and leases to total assets | 65.6655% | 4,657 |
| Net loans and leases to deposits | 81.0822% | 4,438 |
| Net loans and leases to core deposits | 99.1449% | 4,626 |
| Total domestic deposits to total assets | 80.9863% | 4,979 |
| Equity capital to assets | 18.7299% | 516 |
| Core capital (leverage) ratio | 18.6625% | 477 |
| Tier 1 risk-based capital ratio | 29.8363% | 626 |
| Total risk-based capital ratio | 31.0924% | 614 |
| Memoranda: | ||
| Average total assets | $83,229,000 | 5,699 |
| Average earning assets | $74,519,500 | 5,755 |
| Average equity | $15,183,000 | 4,112 |
| Average total loans | $56,625,500 | 5,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7070% | 273 |
| Cost of funding earning assets | 1.9112% | 6,697 |
| Net interest margin | 5.7959% | 133 |
| Noninterest income to average assets | 1.4397% | 691 |
| Noninterest expense to average assets | 2.9826% | 4,147 |
| Loan and lease loss provision to assets | 0.2280% | 4,610 |
| Net operating income to assets | 3.4649% | 48 |
| Return on assets (ROA) | 3.4649% | 49 |
| Pretax return on assets | 3.4649% | 74 |
| Return on Equity (ROE) | 20.2823% | 350 |
| Retained earnings to average equity (ytd only) | 10.8013% | 351 |
| Net charge-offs to loans | 0.3821% | 2,919 |
| Credit loss provision to net charge-offs | 85.5856% | 5,773 |
| Earnings coverage of net charge-offs (x) | 13.8649% | 2,101 |
| Efficiency ratio | 44.6801% | 7,982 |
| Assets per employee ($millions) | 2.5810% | 7,047 |
| Cash dividends to net income (ytd only)* | 46.7452% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6245% | 599 |
| Loan loss allowance to noncurrent loans | 2,974.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 7,323 |
| Noncurrent loans to loans | 0.0882% | 7,158 |
| Net loans and leases to total assets | 66.7994% | 4,681 |
| Net loans and leases to deposits | 81.4669% | 4,800 |
| Net loans and leases to core deposits | 99.7523% | 4,845 |
| Total domestic deposits to total assets | 81.9958% | 4,203 |
| Equity capital to assets | 17.7475% | 684 |
| Core capital (leverage) ratio | 18.3249% | 569 |
| Tier 1 risk-based capital ratio | 28.9627% | 697 |
| Total risk-based capital ratio | 30.2325% | 688 |
| Memoranda: | ||
| Average total assets | $83,351,200 | 5,584 |
| Average earning assets | $75,294,800 | 5,619 |
| Average equity | $14,239,000 | 4,285 |
| Average total loans | $58,095,600 | 5,363 |