Home > Peoples Independent Bank > Performance and Condition Ratios
Peoples Independent 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 | 5.1880% | 1,692 |
| Cost of funding earning assets | 1.5866% | 1,720 |
| Net interest margin | 3.6013% | 1,968 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.2219% | 3,067 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.4224% | 1,175 |
| Return on assets (ROA) | 1.3555% | 1,279 |
| Pretax return on assets | 1.4332% | 1,566 |
| Return on Equity (ROE) | 21.6300% | 486 |
| Retained earnings to average equity (ytd only) | 10.1027% | 995 |
| Net charge-offs to loans | 0.1554% | 669 |
| Credit loss provision to net charge-offs | 128.0277% | 1,612 |
| Earnings coverage of net charge-offs (x) | 24.3287% | 1,763 |
| Efficiency ratio | 57.5145% | 3,340 |
| Assets per employee ($millions) | 5.3800% | 3,337 |
| Cash dividends to net income (ytd only)* | 53.2889% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 3,294 |
| Loan loss allowance to noncurrent loans | 288.3058% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 1,385 |
| Noncurrent loans to loans | 0.3476% | 1,935 |
| Net loans and leases to total assets | 41.0600% | 3,999 |
| Net loans and leases to deposits | 49.0538% | 3,970 |
| Net loans and leases to core deposits | 53.2421% | 3,996 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 6.8412% | 4,001 |
| Core capital (leverage) ratio | 9.2814% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4901% | 1,689 |
| Memoranda: | ||
| Average total assets | $443,006,600 | 1,884 |
| Average earning assets | $409,043,000 | 1,884 |
| Average equity | $27,764,800 | 2,376 |
| Average total loans | $186,015,000 | 2,384 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 1,657 |
| Cost of funding earning assets | 1.4730% | 1,681 |
| Net interest margin | 3.6134% | 1,968 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.1937% | 3,094 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4747% | 1,178 |
| Return on assets (ROA) | 1.4396% | 1,218 |
| Pretax return on assets | 1.5397% | 1,486 |
| Return on Equity (ROE) | 23.5400% | 459 |
| Retained earnings to average equity (ytd only) | 11.5949% | 1,050 |
| Net charge-offs to loans | 0.0694% | 983 |
| Credit loss provision to net charge-offs | 218.7500% | 1,065 |
| Earnings coverage of net charge-offs (x) | 56.1771% | 1,244 |
| Efficiency ratio | 56.3844% | 3,372 |
| Assets per employee ($millions) | 5.5512% | 3,144 |
| Cash dividends to net income (ytd only)* | 50.7400% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,131 |
| Loan loss allowance to noncurrent loans | 362.8942% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 1,360 |
| Noncurrent loans to loans | 0.2877% | 2,208 |
| Net loans and leases to total assets | 41.2300% | 4,012 |
| Net loans and leases to deposits | 47.4149% | 4,024 |
| Net loans and leases to core deposits | 51.0407% | 4,012 |
| Total domestic deposits to total assets | 86.9600% | 1,909 |
| Equity capital to assets | 5.7961% | 4,055 |
| Core capital (leverage) ratio | 8.6284% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3652% | 1,766 |
| Memoranda: | ||
| Average total assets | $438,087,500 | 1,895 |
| Average earning assets | $403,968,500 | 1,895 |
| Average equity | $26,792,750 | 2,408 |
| Average total loans | $184,541,750 | 2,405 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 1,705 |
| Cost of funding earning assets | 1.2868% | 1,747 |
| Net interest margin | 3.6355% | 1,957 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.1974% | 3,086 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4818% | 1,141 |
| Return on assets (ROA) | 1.4287% | 1,245 |
| Pretax return on assets | 1.5282% | 1,542 |
| Return on Equity (ROE) | 22.9500% | 488 |
| Retained earnings to average equity (ytd only) | 11.1110% | 1,169 |
| Net charge-offs to loans | -0.0261% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0897% | 3,404 |
| Assets per employee ($millions) | 5.4175% | 3,218 |
| Cash dividends to net income (ytd only)* | 51.5796% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,872 |
| Loan loss allowance to noncurrent loans | 314.6832% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,470 |
| Noncurrent loans to loans | 0.3547% | 1,865 |
| Net loans and leases to total assets | 40.1100% | 4,035 |
| Net loans and leases to deposits | 46.3214% | 4,032 |
| Net loans and leases to core deposits | 49.9935% | 4,021 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 6.2495% | 4,087 |
| Core capital (leverage) ratio | 8.5044% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6646% | 1,665 |
| Memoranda: | ||
| Average total assets | $434,235,333 | 1,901 |
| Average earning assets | $400,221,000 | 1,908 |
| Average equity | $27,036,333 | 2,413 |
| Average total loans | $183,607,333 | 2,406 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 1,982 |
| Cost of funding earning assets | 0.9293% | 2,274 |
| Net interest margin | 3.7151% | 1,867 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.3079% | 2,790 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4803% | 1,222 |
| Return on assets (ROA) | 1.3739% | 1,449 |
| Pretax return on assets | 1.4695% | 1,733 |
| Return on Equity (ROE) | 22.1100% | 573 |
| Retained earnings to average equity (ytd only) | 10.0362% | 1,689 |
| Net charge-offs to loans | -0.0543% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.2014% | 3,173 |
| Assets per employee ($millions) | 5.3225% | 3,388 |
| Cash dividends to net income (ytd only)* | 54.6075% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,453 |
| Loan loss allowance to noncurrent loans | 258.8477% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 1,340 |
| Noncurrent loans to loans | 0.3928% | 1,752 |
| Net loans and leases to total assets | 41.0900% | 3,994 |
| Net loans and leases to deposits | 47.3634% | 3,985 |
| Net loans and leases to core deposits | 50.3741% | 3,981 |
| Total domestic deposits to total assets | 86.7400% | 2,359 |
| Equity capital to assets | 6.2052% | 4,136 |
| Core capital (leverage) ratio | 8.9345% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1476% | 1,927 |
| Memoranda: | ||
| Average total assets | $426,526,000 | 1,951 |
| Average earning assets | $392,560,000 | 1,959 |
| Average equity | $26,504,000 | 2,460 |
| Average total loans | $184,217,500 | 2,416 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 1,931 |
| Cost of funding earning assets | 0.3306% | 2,625 |
| Net interest margin | 3.5907% | 1,671 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.2482% | 2,901 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4835% | 920 |
| Return on assets (ROA) | 1.2945% | 1,414 |
| Pretax return on assets | 1.3725% | 1,854 |
| Return on Equity (ROE) | 18.4000% | 644 |
| Retained earnings to average equity (ytd only) | 8.9071% | 1,507 |
| Net charge-offs to loans | 0.0115% | 1,954 |
| Credit loss provision to net charge-offs | 500.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 334.9000% | 454 |
| Efficiency ratio | 57.6062% | 3,399 |
| Assets per employee ($millions) | 4.8911% | 3,755 |
| Cash dividends to net income (ytd only)* | 51.5844% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,325 |
| Loan loss allowance to noncurrent loans | 513.0919% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 1,518 |
| Noncurrent loans to loans | 0.1963% | 2,498 |
| Net loans and leases to total assets | 44.5900% | 3,864 |
| Net loans and leases to deposits | 47.9869% | 3,976 |
| Net loans and leases to core deposits | 49.4088% | 4,000 |
| Total domestic deposits to total assets | 92.9200% | 424 |
| Equity capital to assets | 6.2235% | 4,009 |
| Core capital (leverage) ratio | 8.8369% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9549% | 1,992 |
| Memoranda: | ||
| Average total assets | $419,317,200 | 1,960 |
| Average earning assets | $382,966,200 | 1,978 |
| Average equity | $29,504,600 | 2,354 |
| Average total loans | $173,616,200 | 2,422 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 1,899 |
| Cost of funding earning assets | 0.2681% | 2,509 |
| Net interest margin | 3.4799% | 1,722 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.2208% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4193% | 1,035 |
| Return on assets (ROA) | 1.3274% | 1,247 |
| Pretax return on assets | 1.4199% | 1,661 |
| Return on Equity (ROE) | 18.3600% | 598 |
| Retained earnings to average equity (ytd only) | 9.4137% | 1,511 |
| Net charge-offs to loans | 0.0195% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 192.5600% | 633 |
| Efficiency ratio | 58.5119% | 3,322 |
| Assets per employee ($millions) | 4.9812% | 3,685 |
| Cash dividends to net income (ytd only)* | 48.7167% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,495 |
| Loan loss allowance to noncurrent loans | 478.5124% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 1,626 |
| Noncurrent loans to loans | 0.2086% | 2,557 |
| Net loans and leases to total assets | 41.6600% | 4,000 |
| Net loans and leases to deposits | 44.4643% | 4,093 |
| Net loans and leases to core deposits | 45.7163% | 4,127 |
| Total domestic deposits to total assets | 93.7000% | 415 |
| Equity capital to assets | 5.4264% | 4,153 |
| Core capital (leverage) ratio | 8.8864% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0063% | 2,052 |
| Memoranda: | ||
| Average total assets | $422,656,000 | 1,956 |
| Average earning assets | $385,444,250 | 1,983 |
| Average equity | $30,564,500 | 2,342 |
| Average total loans | $171,305,250 | 2,443 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 1,969 |
| Cost of funding earning assets | 0.2401% | 2,396 |
| Net interest margin | 3.3168% | 1,862 |
| Noninterest income to average assets | 0.5929% | 1,774 |
| Noninterest expense to average assets | 2.1817% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3362% | 1,059 |
| Return on assets (ROA) | 1.3379% | 1,031 |
| Pretax return on assets | 1.4310% | 1,358 |
| Return on Equity (ROE) | 17.1183% | 553 |
| Retained earnings to average equity (ytd only) | 9.3045% | 1,200 |
| Net charge-offs to loans | 0.0258% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 138.2727% | 684 |
| Efficiency ratio | 59.5238% | 3,361 |
| Assets per employee ($millions) | 5.1780% | 3,528 |
| Cash dividends to net income (ytd only)* | 45.6461% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,380 |
| Loan loss allowance to noncurrent loans | 2,416.6667% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 2,061 |
| Noncurrent loans to loans | 0.0434% | 3,620 |
| Net loans and leases to total assets | 38.1644% | 4,161 |
| Net loans and leases to deposits | 41.0431% | 4,227 |
| Net loans and leases to core deposits | 42.1922% | 4,253 |
| Total domestic deposits to total assets | 92.9861% | 520 |
| Equity capital to assets | 6.2102% | 4,129 |
| Core capital (leverage) ratio | 8.5546% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0010% | 2,058 |
| Memoranda: | ||
| Average total assets | $425,728,333 | 1,955 |
| Average earning assets | $387,357,000 | 1,989 |
| Average equity | $33,274,333 | 2,264 |
| Average total loans | $170,411,333 | 2,461 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 1,755 |
| Cost of funding earning assets | 0.2322% | 2,362 |
| Net interest margin | 3.2838% | 1,610 |
| Noninterest income to average assets | 0.6627% | 1,440 |
| Noninterest expense to average assets | 2.2468% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3032% | 999 |
| Return on assets (ROA) | 1.3103% | 969 |
| Pretax return on assets | 1.4010% | 1,253 |
| Return on Equity (ROE) | 15.1833% | 620 |
| Retained earnings to average equity (ytd only) | 7.5260% | 1,725 |
| Net charge-offs to loans | -0.0023% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8143% | 3,396 |
| Assets per employee ($millions) | 4.8800% | 3,858 |
| Cash dividends to net income (ytd only)* | 50.4323% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,592 |
| Loan loss allowance to noncurrent loans | 576.1438% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 1,865 |
| Noncurrent loans to loans | 0.1788% | 2,923 |
| Net loans and leases to total assets | 39.8843% | 4,020 |
| Net loans and leases to deposits | 43.5427% | 4,088 |
| Net loans and leases to core deposits | 44.7962% | 4,126 |
| Total domestic deposits to total assets | 91.5982% | 754 |
| Equity capital to assets | 7.5996% | 3,857 |
| Core capital (leverage) ratio | 8.3321% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5520% | 2,395 |
| Memoranda: | ||
| Average total assets | $423,705,000 | 1,968 |
| Average earning assets | $384,185,500 | 2,008 |
| Average equity | $36,566,500 | 2,193 |
| Average total loans | $172,736,500 | 2,435 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 1,746 |
| Cost of funding earning assets | 0.2581% | 2,831 |
| Net interest margin | 3.5908% | 1,491 |
| Noninterest income to average assets | 0.7132% | 1,721 |
| Noninterest expense to average assets | 2.3371% | 2,692 |
| Loan and lease loss provision to assets | 0.0062% | 2,949 |
| Net operating income to assets | 1.5320% | 951 |
| Return on assets (ROA) | 1.7011% | 652 |
| Pretax return on assets | 1.7995% | 914 |
| Return on Equity (ROE) | 17.0777% | 576 |
| Retained earnings to average equity (ytd only) | 8.8046% | 1,255 |
| Net charge-offs to loans | -0.0024% | 3,395 |
| Credit loss provision to net charge-offs | -625.0000% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0777% | 3,433 |
| Assets per employee ($millions) | 4.8051% | 3,882 |
| Cash dividends to net income (ytd only)* | 48.4439% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,703 |
| Loan loss allowance to noncurrent loans | 659.9251% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 2,074 |
| Noncurrent loans to loans | 0.1531% | 3,171 |
| Net loans and leases to total assets | 40.8219% | 4,045 |
| Net loans and leases to deposits | 45.6026% | 4,115 |
| Net loans and leases to core deposits | 46.9848% | 4,142 |
| Total domestic deposits to total assets | 89.5165% | 1,227 |
| Equity capital to assets | 9.6650% | 2,981 |
| Core capital (leverage) ratio | 8.3293% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6714% | 2,375 |
| Memoranda: | ||
| Average total assets | $400,445,000 | 1,991 |
| Average earning assets | $362,624,600 | 2,028 |
| Average equity | $39,888,200 | 2,084 |
| Average total loans | $166,225,600 | 2,501 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 1,545 |
| Cost of funding earning assets | 0.2655% | 2,950 |
| Net interest margin | 3.7286% | 1,282 |
| Noninterest income to average assets | 0.7344% | 1,714 |
| Noninterest expense to average assets | 2.3722% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6221% | 979 |
| Return on assets (ROA) | 1.8444% | 642 |
| Pretax return on assets | 1.9727% | 836 |
| Return on Equity (ROE) | 18.3700% | 585 |
| Retained earnings to average equity (ytd only) | 10.2983% | 1,231 |
| Net charge-offs to loans | -0.0106% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9208% | 3,426 |
| Assets per employee ($millions) | 5.2233% | 3,476 |
| Cash dividends to net income (ytd only)* | 43.9399% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,808 |
| Loan loss allowance to noncurrent loans | 1,141.1765% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 2,424 |
| Noncurrent loans to loans | 0.0885% | 3,640 |
| Net loans and leases to total assets | 40.9551% | 4,152 |
| Net loans and leases to deposits | 45.8619% | 4,236 |
| Net loans and leases to core deposits | 47.2078% | 4,273 |
| Total domestic deposits to total assets | 89.3010% | 1,122 |
| Equity capital to assets | 9.7877% | 3,113 |
| Core capital (leverage) ratio | 8.4282% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8875% | 2,400 |
| Memoranda: | ||
| Average total assets | $394,844,500 | 2,025 |
| Average earning assets | $357,014,000 | 2,068 |
| Average equity | $39,643,250 | 2,120 |
| Average total loans | $164,188,000 | 2,553 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8528% | 1,941 |
| Cost of funding earning assets | 0.2782% | 3,003 |
| Net interest margin | 3.5746% | 1,652 |
| Noninterest income to average assets | 0.7304% | 1,715 |
| Noninterest expense to average assets | 2.3871% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4425% | 1,440 |
| Return on assets (ROA) | 1.7780% | 789 |
| Pretax return on assets | 1.9273% | 957 |
| Return on Equity (ROE) | 17.5502% | 708 |
| Retained earnings to average equity (ytd only) | 8.3723% | 1,953 |
| Net charge-offs to loans | -0.0174% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5344% | 3,077 |
| Assets per employee ($millions) | 4.9773% | 3,679 |
| Cash dividends to net income (ytd only)* | 52.2952% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,644 |
| Loan loss allowance to noncurrent loans | 3,970.4545% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 2,453 |
| Noncurrent loans to loans | 0.0264% | 4,085 |
| Net loans and leases to total assets | 40.9709% | 4,240 |
| Net loans and leases to deposits | 46.0311% | 4,309 |
| Net loans and leases to core deposits | 47.3963% | 4,352 |
| Total domestic deposits to total assets | 89.0070% | 1,280 |
| Equity capital to assets | 9.9255% | 2,917 |
| Core capital (leverage) ratio | 8.3262% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8164% | 2,431 |
| Memoranda: | ||
| Average total assets | $387,172,000 | 2,049 |
| Average earning assets | $348,685,000 | 2,098 |
| Average equity | $39,224,667 | 2,127 |
| Average total loans | $161,290,000 | 2,588 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 1,254 |
| Cost of funding earning assets | 0.2931% | 3,069 |
| Net interest margin | 3.8751% | 1,026 |
| Noninterest income to average assets | 0.7184% | 1,813 |
| Noninterest expense to average assets | 2.3831% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6782% | 977 |
| Return on assets (ROA) | 1.6752% | 1,028 |
| Pretax return on assets | 1.7913% | 1,305 |
| Return on Equity (ROE) | 16.3077% | 956 |
| Retained earnings to average equity (ytd only) | 6.5518% | 2,711 |
| Net charge-offs to loans | -0.0505% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1616% | 3,525 |
| Assets per employee ($millions) | 4.8976% | 3,761 |
| Cash dividends to net income (ytd only)* | 59.8237% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,505 |
| Loan loss allowance to noncurrent loans | 144.2798% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 1,560 |
| Noncurrent loans to loans | 0.7523% | 1,734 |
| Net loans and leases to total assets | 40.7723% | 4,300 |
| Net loans and leases to deposits | 45.6553% | 4,370 |
| Net loans and leases to core deposits | 47.0438% | 4,404 |
| Total domestic deposits to total assets | 89.3046% | 1,169 |
| Equity capital to assets | 9.8192% | 2,877 |
| Core capital (leverage) ratio | 8.5436% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1083% | 2,250 |
| Memoranda: | ||
| Average total assets | $379,176,000 | 2,065 |
| Average earning assets | $338,466,000 | 2,130 |
| Average equity | $38,951,000 | 2,129 |
| Average total loans | $158,471,500 | 2,613 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 1,764 |
| Cost of funding earning assets | 0.5571% | 2,571 |
| Net interest margin | 3.7771% | 1,566 |
| Noninterest income to average assets | 0.7575% | 1,665 |
| Noninterest expense to average assets | 2.6904% | 2,267 |
| Loan and lease loss provision to assets | 0.0981% | 3,106 |
| Net operating income to assets | 1.2736% | 1,322 |
| Return on assets (ROA) | 1.3211% | 1,296 |
| Pretax return on assets | 1.3946% | 1,675 |
| Return on Equity (ROE) | 12.1711% | 1,274 |
| Retained earnings to average equity (ytd only) | 2.7729% | 3,478 |
| Net charge-offs to loans | 0.0127% | 2,879 |
| Credit loss provision to net charge-offs | 1,650.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 242.5500% | 411 |
| Efficiency ratio | 64.1002% | 2,805 |
| Assets per employee ($millions) | 4.5818% | 3,833 |
| Cash dividends to net income (ytd only)* | 77.2175% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,388 |
| Loan loss allowance to noncurrent loans | 134.5497% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 1,553 |
| Noncurrent loans to loans | 0.8286% | 1,689 |
| Net loans and leases to total assets | 41.9343% | 4,357 |
| Net loans and leases to deposits | 47.4954% | 4,412 |
| Net loans and leases to core deposits | 49.3605% | 4,446 |
| Total domestic deposits to total assets | 88.2913% | 1,331 |
| Equity capital to assets | 10.7571% | 2,472 |
| Core capital (leverage) ratio | 8.6665% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8734% | 2,290 |
| Memoranda: | ||
| Average total assets | $336,236,800 | 2,111 |
| Average earning assets | $300,495,400 | 2,176 |
| Average equity | $36,496,400 | 2,155 |
| Average total loans | $156,962,800 | 2,596 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 2,331 |
| Cost of funding earning assets | 0.6229% | 2,474 |
| Net interest margin | 3.5996% | 2,273 |
| Noninterest income to average assets | 0.7611% | 1,616 |
| Noninterest expense to average assets | 2.8158% | 1,931 |
| Loan and lease loss provision to assets | 0.1339% | 2,678 |
| Net operating income to assets | 0.9458% | 2,540 |
| Return on assets (ROA) | 1.0036% | 2,456 |
| Pretax return on assets | 1.0953% | 2,766 |
| Return on Equity (ROE) | 9.2235% | 2,309 |
| Retained earnings to average equity (ytd only) | -0.0969% | 4,490 |
| Net charge-offs to loans | 0.0220% | 2,410 |
| Credit loss provision to net charge-offs | 1,269.2308% | 703 |
| Earnings coverage of net charge-offs (x) | 110.5769% | 737 |
| Efficiency ratio | 69.6516% | 1,936 |
| Assets per employee ($millions) | 4.4506% | 3,904 |
| Cash dividends to net income (ytd only)* | 101.0509% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,636 |
| Loan loss allowance to noncurrent loans | 846.5686% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 2,632 |
| Noncurrent loans to loans | 0.1199% | 3,901 |
| Net loans and leases to total assets | 46.7011% | 4,279 |
| Net loans and leases to deposits | 52.9384% | 4,377 |
| Net loans and leases to core deposits | 55.0355% | 4,412 |
| Total domestic deposits to total assets | 88.2178% | 1,105 |
| Equity capital to assets | 10.4907% | 2,799 |
| Core capital (leverage) ratio | 8.6449% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9926% | 2,612 |
| Memoranda: | ||
| Average total assets | $328,659,250 | 2,124 |
| Average earning assets | $294,097,750 | 2,191 |
| Average equity | $35,763,000 | 2,172 |
| Average total loans | $157,343,000 | 2,596 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 866 |
| Cost of funding earning assets | 0.6563% | 2,654 |
| Net interest margin | 4.3198% | 719 |
| Noninterest income to average assets | 0.7697% | 1,523 |
| Noninterest expense to average assets | 2.9681% | 1,657 |
| Loan and lease loss provision to assets | 0.1981% | 2,064 |
| Net operating income to assets | 1.3702% | 1,180 |
| Return on assets (ROA) | 1.4287% | 1,142 |
| Pretax return on assets | 1.5281% | 1,395 |
| Return on Equity (ROE) | 12.8457% | 1,139 |
| Retained earnings to average equity (ytd only) | 1.5379% | 3,921 |
| Net charge-offs to loans | 0.0078% | 2,669 |
| Credit loss provision to net charge-offs | 5,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 440.8333% | 227 |
| Efficiency ratio | 63.1500% | 2,933 |
| Assets per employee ($millions) | 4.3418% | 3,967 |
| Cash dividends to net income (ytd only)* | 88.0282% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,459 |
| Loan loss allowance to noncurrent loans | 906.8063% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,693 |
| Noncurrent loans to loans | 0.1127% | 3,999 |
| Net loans and leases to total assets | 48.9188% | 4,214 |
| Net loans and leases to deposits | 55.5672% | 4,306 |
| Net loans and leases to core deposits | 57.8869% | 4,360 |
| Total domestic deposits to total assets | 88.0355% | 1,159 |
| Equity capital to assets | 10.9191% | 2,413 |
| Core capital (leverage) ratio | 9.1282% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5271% | 2,386 |
| Memoranda: | ||
| Average total assets | $318,045,333 | 2,155 |
| Average earning assets | $284,321,000 | 2,221 |
| Average equity | $35,373,667 | 2,189 |
| Average total loans | $153,095,667 | 2,631 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 2,103 |
| Cost of funding earning assets | 0.7612% | 2,599 |
| Net interest margin | 3.8075% | 1,941 |
| Noninterest income to average assets | 0.8640% | 1,137 |
| Noninterest expense to average assets | 2.9139% | 2,085 |
| Loan and lease loss provision to assets | 0.0655% | 2,946 |
| Net operating income to assets | 1.1871% | 1,557 |
| Return on assets (ROA) | 1.2017% | 1,627 |
| Pretax return on assets | 1.2855% | 1,912 |
| Return on Equity (ROE) | 10.6949% | 1,503 |
| Retained earnings to average equity (ytd only) | 1.9572% | 3,458 |
| Net charge-offs to loans | 0.0138% | 2,106 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 341 |
| Efficiency ratio | 67.4985% | 2,745 |
| Assets per employee ($millions) | 3.8427% | 4,126 |
| Cash dividends to net income (ytd only)* | 81.6993% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,767 |
| Loan loss allowance to noncurrent loans | 652.4444% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 2,375 |
| Noncurrent loans to loans | 0.1515% | 3,915 |
| Net loans and leases to total assets | 47.8210% | 4,346 |
| Net loans and leases to deposits | 54.4748% | 4,422 |
| Net loans and leases to core deposits | 55.9420% | 4,492 |
| Total domestic deposits to total assets | 87.7856% | 1,188 |
| Equity capital to assets | 11.1536% | 2,721 |
| Core capital (leverage) ratio | 9.9315% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0960% | 1,874 |
| Memoranda: | ||
| Average total assets | $305,565,500 | 2,171 |
| Average earning assets | $271,673,000 | 2,253 |
| Average equity | $34,334,000 | 2,230 |
| Average total loans | $144,880,500 | 2,683 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 2,592 |
| Cost of funding earning assets | 0.7760% | 2,793 |
| Net interest margin | 3.8291% | 2,408 |
| Noninterest income to average assets | 0.9460% | 1,077 |
| Noninterest expense to average assets | 3.0963% | 1,771 |
| Loan and lease loss provision to assets | 0.0922% | 2,188 |
| Net operating income to assets | 1.0821% | 2,513 |
| Return on assets (ROA) | 1.3769% | 1,500 |
| Pretax return on assets | 1.4451% | 1,998 |
| Return on Equity (ROE) | 12.4953% | 1,331 |
| Retained earnings to average equity (ytd only) | 0.3886% | 4,578 |
| Net charge-offs to loans | 0.1191% | 1,561 |
| Credit loss provision to net charge-offs | 171.7791% | 1,512 |
| Earnings coverage of net charge-offs (x) | 22.8528% | 1,835 |
| Efficiency ratio | 70.5676% | 2,091 |
| Assets per employee ($millions) | 3.6592% | 4,308 |
| Cash dividends to net income (ytd only)* | 96.8900% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,456 |
| Loan loss allowance to noncurrent loans | 590.4564% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,025 |
| Noncurrent loans to loans | 0.1706% | 3,850 |
| Net loans and leases to total assets | 46.0499% | 4,520 |
| Net loans and leases to deposits | 52.5776% | 4,590 |
| Net loans and leases to core deposits | 54.1258% | 4,645 |
| Total domestic deposits to total assets | 87.5847% | 1,327 |
| Equity capital to assets | 11.3199% | 2,687 |
| Core capital (leverage) ratio | 9.9129% | 3,606 |
| Tier 1 risk-based capital ratio | 14.6710% | 2,923 |
| Total risk-based capital ratio | 15.3742% | 3,117 |
| Memoranda: | ||
| Average total assets | $303,586,400 | 2,148 |
| Average earning assets | $267,767,400 | 2,227 |
| Average equity | $33,452,600 | 2,209 |
| Average total loans | $136,870,400 | 2,760 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 2,712 |
| Cost of funding earning assets | 0.7810% | 2,808 |
| Net interest margin | 3.8208% | 2,526 |
| Noninterest income to average assets | 0.9272% | 1,085 |
| Noninterest expense to average assets | 3.1383% | 1,616 |
| Loan and lease loss provision to assets | 0.1054% | 1,832 |
| Net operating income to assets | 0.9781% | 3,060 |
| Return on assets (ROA) | 1.3563% | 1,687 |
| Pretax return on assets | 1.4508% | 2,115 |
| Return on Equity (ROE) | 12.3935% | 1,481 |
| Retained earnings to average equity (ytd only) | 0.9552% | 4,576 |
| Net charge-offs to loans | 0.0354% | 2,372 |
| Credit loss provision to net charge-offs | 666.6667% | 499 |
| Earnings coverage of net charge-offs (x) | 72.6927% | 921 |
| Efficiency ratio | 72.1369% | 1,820 |
| Assets per employee ($millions) | 3.6810% | 4,301 |
| Cash dividends to net income (ytd only)* | 92.2929% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,150 |
| Loan loss allowance to noncurrent loans | 634.4538% | 811 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 1,171 |
| Noncurrent loans to loans | 0.1694% | 3,932 |
| Net loans and leases to total assets | 45.4828% | 4,633 |
| Net loans and leases to deposits | 52.0928% | 4,703 |
| Net loans and leases to core deposits | 53.6826% | 4,757 |
| Total domestic deposits to total assets | 87.3111% | 1,367 |
| Equity capital to assets | 11.4909% | 2,663 |
| Core capital (leverage) ratio | 10.0059% | 3,639 |
| Tier 1 risk-based capital ratio | 14.7721% | 2,965 |
| Total risk-based capital ratio | 15.5216% | 3,090 |
| Memoranda: | ||
| Average total assets | $303,554,500 | 2,160 |
| Average earning assets | $266,987,000 | 2,247 |
| Average equity | $33,220,750 | 2,243 |
| Average total loans | $135,767,250 | 2,797 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 2,657 |
| Cost of funding earning assets | 0.7719% | 2,794 |
| Net interest margin | 3.8347% | 2,463 |
| Noninterest income to average assets | 0.8194% | 1,285 |
| Noninterest expense to average assets | 3.2050% | 1,496 |
| Loan and lease loss provision to assets | 0.0990% | 1,886 |
| Net operating income to assets | 0.8240% | 3,567 |
| Return on assets (ROA) | 1.3721% | 1,566 |
| Pretax return on assets | 1.4672% | 1,966 |
| Return on Equity (ROE) | 12.7516% | 1,319 |
| Retained earnings to average equity (ytd only) | 2.6264% | 3,885 |
| Net charge-offs to loans | 0.0671% | 1,697 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 33.0889% | 1,391 |
| Efficiency ratio | 75.4375% | 1,467 |
| Assets per employee ($millions) | 3.6561% | 4,305 |
| Cash dividends to net income (ytd only)* | 79.4033% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,468 |
| Loan loss allowance to noncurrent loans | 659.3458% | 809 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 1,183 |
| Noncurrent loans to loans | 0.1557% | 3,983 |
| Net loans and leases to total assets | 45.3789% | 4,666 |
| Net loans and leases to deposits | 51.9022% | 4,743 |
| Net loans and leases to core deposits | 53.5766% | 4,793 |
| Total domestic deposits to total assets | 87.4316% | 1,372 |
| Equity capital to assets | 11.4620% | 2,631 |
| Core capital (leverage) ratio | 10.0361% | 3,549 |
| Tier 1 risk-based capital ratio | 15.3664% | 2,670 |
| Total risk-based capital ratio | 16.0912% | 2,824 |
| Memoranda: | ||
| Average total assets | $302,899,330 | 2,170 |
| Average earning assets | $266,096,330 | 2,257 |
| Average equity | $32,592,000 | 2,267 |
| Average total loans | $134,200,000 | 2,824 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 2,667 |
| Cost of funding earning assets | 0.7597% | 2,738 |
| Net interest margin | 3.8001% | 2,525 |
| Noninterest income to average assets | 0.8198% | 1,238 |
| Noninterest expense to average assets | 2.8537% | 2,401 |
| Loan and lease loss provision to assets | 0.0854% | 1,994 |
| Net operating income to assets | 1.1274% | 2,361 |
| Return on assets (ROA) | 1.1286% | 2,405 |
| Pretax return on assets | 1.2074% | 2,778 |
| Return on Equity (ROE) | 10.8369% | 2,011 |
| Retained earnings to average equity (ytd only) | 2.6367% | 3,878 |
| Net charge-offs to loans | 0.0905% | 1,213 |
| Credit loss provision to net charge-offs | 216.6667% | 1,001 |
| Earnings coverage of net charge-offs (x) | 32.7667% | 1,279 |
| Efficiency ratio | 67.7655% | 2,671 |
| Assets per employee ($millions) | 3.7249% | 4,313 |
| Cash dividends to net income (ytd only)* | 75.6694% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,668 |
| Loan loss allowance to noncurrent loans | 578.0172% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.3171% | 985 |
| Noncurrent loans to loans | 0.1738% | 3,969 |
| Net loans and leases to total assets | 42.7364% | 4,800 |
| Net loans and leases to deposits | 48.3787% | 4,870 |
| Net loans and leases to core deposits | 50.0568% | 4,886 |
| Total domestic deposits to total assets | 88.3374% | 1,163 |
| Equity capital to assets | 10.6434% | 3,209 |
| Core capital (leverage) ratio | 9.8956% | 3,718 |
| Tier 1 risk-based capital ratio | 14.7531% | 2,981 |
| Total risk-based capital ratio | 15.4200% | 3,182 |
| Memoranda: | ||
| Average total assets | $304,449,000 | 2,176 |
| Average earning assets | $266,413,500 | 2,265 |
| Average equity | $31,706,500 | 2,318 |
| Average total loans | $132,571,500 | 2,876 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 3,271 |
| Cost of funding earning assets | 0.7091% | 2,036 |
| Net interest margin | 3.5424% | 3,567 |
| Noninterest income to average assets | 0.8782% | 1,236 |
| Noninterest expense to average assets | 2.8134% | 2,644 |
| Loan and lease loss provision to assets | 0.1121% | 1,971 |
| Net operating income to assets | 1.0421% | 2,835 |
| Return on assets (ROA) | 1.1004% | 2,593 |
| Pretax return on assets | 1.1362% | 3,147 |
| Return on Equity (ROE) | 11.3781% | 1,943 |
| Retained earnings to average equity (ytd only) | 5.8677% | 2,260 |
| Net charge-offs to loans | 0.1287% | 1,467 |
| Credit loss provision to net charge-offs | 212.8834% | 1,357 |
| Earnings coverage of net charge-offs (x) | 22.5706% | 1,894 |
| Efficiency ratio | 69.1929% | 2,348 |
| Assets per employee ($millions) | 3.5669% | 4,480 |
| Cash dividends to net income (ytd only)* | 48.4297% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,752 |
| Loan loss allowance to noncurrent loans | 599.0826% | 939 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 920 |
| Noncurrent loans to loans | 0.1656% | 4,001 |
| Net loans and leases to total assets | 43.5116% | 4,831 |
| Net loans and leases to deposits | 49.0467% | 4,913 |
| Net loans and leases to core deposits | 50.6396% | 4,929 |
| Total domestic deposits to total assets | 88.7147% | 973 |
| Equity capital to assets | 10.1819% | 3,488 |
| Core capital (leverage) ratio | 9.8500% | 3,744 |
| Tier 1 risk-based capital ratio | 14.8290% | 2,917 |
| Total risk-based capital ratio | 15.4872% | 3,112 |
| Memoranda: | ||
| Average total assets | $309,624,000 | 2,091 |
| Average earning assets | $273,009,000 | 2,176 |
| Average equity | $29,943,600 | 2,337 |
| Average total loans | $126,679,600 | 2,917 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,459 |
| Cost of funding earning assets | 0.6928% | 1,880 |
| Net interest margin | 3.4573% | 3,844 |
| Noninterest income to average assets | 0.8586% | 1,310 |
| Noninterest expense to average assets | 2.7369% | 2,853 |
| Loan and lease loss provision to assets | 0.1055% | 1,900 |
| Net operating income to assets | 0.9933% | 3,114 |
| Return on assets (ROA) | 1.0120% | 3,044 |
| Pretax return on assets | 1.0824% | 3,461 |
| Return on Equity (ROE) | 10.5983% | 2,350 |
| Retained earnings to average equity (ytd only) | 6.7956% | 2,239 |
| Net charge-offs to loans | 0.0680% | 1,862 |
| Credit loss provision to net charge-offs | 385.9375% | 843 |
| Earnings coverage of net charge-offs (x) | 42.7193% | 1,298 |
| Efficiency ratio | 68.9531% | 2,364 |
| Assets per employee ($millions) | 3.5553% | 4,486 |
| Cash dividends to net income (ytd only)* | 35.8803% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,710 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 1,011 |
| Noncurrent loans to loans | 0.3581% | 3,366 |
| Net loans and leases to total assets | 41.9519% | 4,965 |
| Net loans and leases to deposits | 46.9788% | 5,035 |
| Net loans and leases to core deposits | 48.8586% | 5,048 |
| Total domestic deposits to total assets | 89.2996% | 732 |
| Equity capital to assets | 9.4854% | 4,093 |
| Core capital (leverage) ratio | 9.6201% | 4,032 |
| Tier 1 risk-based capital ratio | 15.5680% | 2,618 |
| Total risk-based capital ratio | 16.2650% | 2,798 |
| Memoranda: | ||
| Average total assets | $312,125,250 | 2,094 |
| Average earning assets | $275,004,750 | 2,175 |
| Average equity | $29,802,750 | 2,353 |
| Average total loans | $125,430,750 | 2,963 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,677 |
| Cost of funding earning assets | 0.6730% | 1,786 |
| Net interest margin | 3.3593% | 4,076 |
| Noninterest income to average assets | 0.9018% | 1,181 |
| Noninterest expense to average assets | 2.7112% | 2,977 |
| Loan and lease loss provision to assets | 0.1445% | 1,332 |
| Net operating income to assets | 0.9414% | 3,267 |
| Return on assets (ROA) | 0.9527% | 3,230 |
| Pretax return on assets | 1.0189% | 3,603 |
| Return on Equity (ROE) | 9.9569% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.9569% | 939 |
| Net charge-offs to loans | 0.2096% | 754 |
| Credit loss provision to net charge-offs | 174.6154% | 1,428 |
| Earnings coverage of net charge-offs (x) | 13.9154% | 2,129 |
| Efficiency ratio | 69.0559% | 2,479 |
| Assets per employee ($millions) | 3.6258% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,073 |
| Loan loss allowance to noncurrent loans | 242.8287% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 1,038 |
| Noncurrent loans to loans | 0.3946% | 3,278 |
| Net loans and leases to total assets | 40.8876% | 5,025 |
| Net loans and leases to deposits | 45.8868% | 5,102 |
| Net loans and leases to core deposits | 47.7647% | 5,104 |
| Total domestic deposits to total assets | 89.1055% | 891 |
| Equity capital to assets | 9.7930% | 3,825 |
| Core capital (leverage) ratio | 9.4068% | 4,238 |
| Tier 1 risk-based capital ratio | 15.9530% | 2,454 |
| Total risk-based capital ratio | 16.6214% | 2,629 |
| Memoranda: | ||
| Average total assets | $314,248,670 | 2,101 |
| Average earning assets | $276,962,330 | 2,171 |
| Average equity | $30,069,670 | 2,343 |
| Average total loans | $124,049,330 | 2,989 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 4,091 |
| Cost of funding earning assets | 0.6547% | 1,699 |
| Net interest margin | 3.1930% | 4,491 |
| Noninterest income to average assets | 0.8018% | 1,451 |
| Noninterest expense to average assets | 2.6563% | 3,170 |
| Loan and lease loss provision to assets | 0.0756% | 2,253 |
| Net operating income to assets | 0.8165% | 3,640 |
| Return on assets (ROA) | 0.8447% | 3,543 |
| Pretax return on assets | 0.9039% | 3,837 |
| Return on Equity (ROE) | 8.9292% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.9292% | 1,479 |
| Net charge-offs to loans | -0.0327% | 4,780 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4476% | 2,127 |
| Assets per employee ($millions) | 3.7488% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,051 |
| Loan loss allowance to noncurrent loans | 190.7200% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 1,140 |
| Noncurrent loans to loans | 0.5154% | 2,971 |
| Net loans and leases to total assets | 37.6819% | 5,150 |
| Net loans and leases to deposits | 41.9884% | 5,219 |
| Net loans and leases to core deposits | 43.7417% | 5,215 |
| Total domestic deposits to total assets | 89.7434% | 768 |
| Equity capital to assets | 9.2103% | 4,354 |
| Core capital (leverage) ratio | 9.0710% | 4,604 |
| Tier 1 risk-based capital ratio | 14.5030% | 3,119 |
| Total risk-based capital ratio | 15.1154% | 3,368 |
| Memoranda: | ||
| Average total assets | $317,277,500 | 2,089 |
| Average earning assets | $278,612,000 | 2,189 |
| Average equity | $30,014,000 | 2,367 |
| Average total loans | $122,458,500 | 3,031 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,141 |
| Cost of funding earning assets | 0.6550% | 1,270 |
| Net interest margin | 3.7068% | 2,774 |
| Noninterest income to average assets | 0.9198% | 1,215 |
| Noninterest expense to average assets | 2.9963% | 2,177 |
| Loan and lease loss provision to assets | 0.1724% | 1,273 |
| Net operating income to assets | 0.9880% | 2,301 |
| Return on assets (ROA) | 1.0786% | 1,963 |
| Pretax return on assets | 1.0970% | 3,198 |
| Return on Equity (ROE) | 11.0130% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.0130% | 247 |
| Net charge-offs to loans | 0.3817% | 661 |
| Credit loss provision to net charge-offs | 104.9107% | 2,450 |
| Earnings coverage of net charge-offs (x) | 7.1607% | 3,081 |
| Efficiency ratio | 70.1714% | 2,521 |
| Assets per employee ($millions) | 3.6734% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,440 |
| Loan loss allowance to noncurrent loans | 197.1880% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 1,111 |
| Noncurrent loans to loans | 0.4602% | 3,129 |
| Net loans and leases to total assets | 38.7869% | 5,183 |
| Net loans and leases to deposits | 43.4885% | 5,260 |
| Net loans and leases to core deposits | 45.3874% | 5,252 |
| Total domestic deposits to total assets | 89.1887% | 910 |
| Equity capital to assets | 9.7116% | 4,018 |
| Core capital (leverage) ratio | 8.8675% | 4,795 |
| Tier 1 risk-based capital ratio | 14.5923% | 3,047 |
| Total risk-based capital ratio | 15.1816% | 3,312 |
| Memoranda: | ||
| Average total assets | $272,570,800 | 2,332 |
| Average earning assets | $239,238,800 | 2,430 |
| Average equity | $26,695,800 | 2,565 |
| Average total loans | $117,369,400 | 3,094 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 1,654 |
| Cost of funding earning assets | 0.6507% | 1,238 |
| Net interest margin | 3.8457% | 2,236 |
| Noninterest income to average assets | 0.8736% | 1,359 |
| Noninterest expense to average assets | 3.0259% | 2,040 |
| Loan and lease loss provision to assets | 0.0535% | 3,033 |
| Net operating income to assets | 1.0962% | 2,108 |
| Return on assets (ROA) | 1.0876% | 2,203 |
| Pretax return on assets | 1.1630% | 3,049 |
| Return on Equity (ROE) | 11.0764% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.0764% | 406 |
| Net charge-offs to loans | 0.5089% | 403 |
| Credit loss provision to net charge-offs | 23.7557% | 3,133 |
| Earnings coverage of net charge-offs (x) | 5.4434% | 3,109 |
| Efficiency ratio | 69.3626% | 2,639 |
| Assets per employee ($millions) | 3.6468% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 5,369 |
| Loan loss allowance to noncurrent loans | 123.2633% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 1,205 |
| Noncurrent loans to loans | 0.4651% | 3,308 |
| Net loans and leases to total assets | 42.1941% | 5,107 |
| Net loans and leases to deposits | 47.3604% | 5,214 |
| Net loans and leases to core deposits | 49.5347% | 5,211 |
| Total domestic deposits to total assets | 89.0915% | 834 |
| Equity capital to assets | 9.7874% | 4,163 |
| Core capital (leverage) ratio | 8.7148% | 5,044 |
| Tier 1 risk-based capital ratio | 13.6018% | 3,635 |
| Total risk-based capital ratio | 13.9867% | 4,076 |
| Memoranda: | ||
| Average total assets | $261,735,750 | 2,416 |
| Average earning assets | $229,895,250 | 2,519 |
| Average equity | $25,699,750 | 2,648 |
| Average total loans | $115,798,250 | 3,138 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 1,279 |
| Cost of funding earning assets | 0.6377% | 1,214 |
| Net interest margin | 3.9495% | 1,779 |
| Noninterest income to average assets | 0.8550% | 1,405 |
| Noninterest expense to average assets | 3.0077% | 2,089 |
| Loan and lease loss provision to assets | 0.0655% | 2,661 |
| Net operating income to assets | 1.1855% | 1,644 |
| Return on assets (ROA) | 1.1733% | 1,734 |
| Pretax return on assets | 1.2551% | 2,556 |
| Return on Equity (ROE) | 11.9329% | 1,323 |
| Retained earnings to average equity (ytd only) | 11.9329% | 329 |
| Net charge-offs to loans | -0.2690% | 5,621 |
| Credit loss provision to net charge-offs | -54.0541% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8666% | 3,038 |
| Assets per employee ($millions) | 3.7229% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 4,311 |
| Loan loss allowance to noncurrent loans | 228.1787% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 2,152 |
| Noncurrent loans to loans | 0.4259% | 3,490 |
| Net loans and leases to total assets | 43.2755% | 5,080 |
| Net loans and leases to deposits | 48.4108% | 5,197 |
| Net loans and leases to core deposits | 50.6378% | 5,198 |
| Total domestic deposits to total assets | 89.3921% | 762 |
| Equity capital to assets | 9.5977% | 4,313 |
| Core capital (leverage) ratio | 8.7925% | 4,958 |
| Tier 1 risk-based capital ratio | 13.7683% | 3,557 |
| Total risk-based capital ratio | 14.4378% | 3,789 |
| Memoranda: | ||
| Average total assets | $244,438,670 | 2,558 |
| Average earning assets | $215,773,670 | 2,649 |
| Average equity | $24,034,330 | 2,780 |
| Average total loans | $110,032,670 | 3,220 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,303 |
| Cost of funding earning assets | 0.6050% | 1,342 |
| Net interest margin | 3.9252% | 1,691 |
| Noninterest income to average assets | 0.7798% | 1,623 |
| Noninterest expense to average assets | 2.9025% | 2,449 |
| Loan and lease loss provision to assets | 0.0380% | 3,040 |
| Net operating income to assets | 1.2442% | 1,394 |
| Return on assets (ROA) | 1.2478% | 1,416 |
| Pretax return on assets | 1.3352% | 2,120 |
| Return on Equity (ROE) | 12.4688% | 1,120 |
| Retained earnings to average equity (ytd only) | 12.4688% | 426 |
| Net charge-offs to loans | -0.1323% | 5,529 |
| Credit loss provision to net charge-offs | -62.5000% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9430% | 3,209 |
| Assets per employee ($millions) | 3.8703% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 3,274 |
| Loan loss allowance to noncurrent loans | 163.8691% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 1,409 |
| Noncurrent loans to loans | 0.7185% | 2,697 |
| Net loans and leases to total assets | 45.4204% | 4,968 |
| Net loans and leases to deposits | 51.1034% | 5,063 |
| Net loans and leases to core deposits | 53.7381% | 5,074 |
| Total domestic deposits to total assets | 88.8794% | 1,207 |
| Equity capital to assets | 10.8406% | 2,810 |
| Core capital (leverage) ratio | 10.6795% | 2,703 |
| Tier 1 risk-based capital ratio | 16.1468% | 2,488 |
| Total risk-based capital ratio | 16.9803% | 2,596 |
| Memoranda: | ||
| Average total assets | $210,298,000 | 2,885 |
| Average earning assets | $187,101,000 | 2,970 |
| Average equity | $21,044,500 | 3,081 |
| Average total loans | $96,719,500 | 3,472 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 1,500 |
| Cost of funding earning assets | 0.5842% | 1,460 |
| Net interest margin | 3.9283% | 1,864 |
| Noninterest income to average assets | 0.7663% | 1,897 |
| Noninterest expense to average assets | 2.8893% | 2,711 |
| Loan and lease loss provision to assets | 0.1028% | 2,330 |
| Net operating income to assets | 1.2561% | 1,341 |
| Return on assets (ROA) | 1.3548% | 1,139 |
| Pretax return on assets | 1.4096% | 1,907 |
| Return on Equity (ROE) | 13.5778% | 851 |
| Retained earnings to average equity (ytd only) | 1.5555% | 4,636 |
| Net charge-offs to loans | 0.0605% | 2,845 |
| Credit loss provision to net charge-offs | 350.0000% | 877 |
| Earnings coverage of net charge-offs (x) | 47.9833% | 1,033 |
| Efficiency ratio | 67.2096% | 3,402 |
| Assets per employee ($millions) | 3.8468% | 4,227 |
| Cash dividends to net income (ytd only)* | 88.5435% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,427 |
| Loan loss allowance to noncurrent loans | 108.4813% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 1,198 |
| Noncurrent loans to loans | 1.0606% | 1,955 |
| Net loans and leases to total assets | 45.4929% | 5,044 |
| Net loans and leases to deposits | 50.2157% | 5,202 |
| Net loans and leases to core deposits | 52.7293% | 5,189 |
| Total domestic deposits to total assets | 90.5950% | 420 |
| Equity capital to assets | 9.1528% | 4,644 |
| Core capital (leverage) ratio | 9.0187% | 4,719 |
| Tier 1 risk-based capital ratio | 13.7551% | 3,606 |
| Total risk-based capital ratio | 14.5659% | 3,795 |
| Memoranda: | ||
| Average total assets | $204,237,200 | 2,907 |
| Average earning assets | $183,668,600 | 2,977 |
| Average equity | $20,378,800 | 3,130 |
| Average total loans | $99,095,600 | 3,405 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 1,382 |
| Cost of funding earning assets | 0.5796% | 1,490 |
| Net interest margin | 3.9809% | 1,710 |
| Noninterest income to average assets | 0.7592% | 1,935 |
| Noninterest expense to average assets | 2.9241% | 2,562 |
| Loan and lease loss provision to assets | 0.1180% | 1,961 |
| Net operating income to assets | 1.2293% | 1,522 |
| Return on assets (ROA) | 1.3624% | 1,219 |
| Pretax return on assets | 1.4568% | 1,864 |
| Return on Equity (ROE) | 13.3715% | 954 |
| Retained earnings to average equity (ytd only) | 0.8236% | 5,136 |
| Net charge-offs to loans | 0.1040% | 1,905 |
| Credit loss provision to net charge-offs | 230.7692% | 1,277 |
| Earnings coverage of net charge-offs (x) | 28.0249% | 1,546 |
| Efficiency ratio | 67.1080% | 3,401 |
| Assets per employee ($millions) | 3.8289% | 4,254 |
| Cash dividends to net income (ytd only)* | 93.8403% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,141 |
| Loan loss allowance to noncurrent loans | 1,223.2558% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 2,113 |
| Noncurrent loans to loans | 0.0856% | 5,005 |
| Net loans and leases to total assets | 48.0628% | 4,955 |
| Net loans and leases to deposits | 53.7467% | 5,126 |
| Net loans and leases to core deposits | 56.8191% | 5,107 |
| Total domestic deposits to total assets | 89.4246% | 710 |
| Equity capital to assets | 10.2035% | 3,911 |
| Core capital (leverage) ratio | 9.0210% | 4,808 |
| Tier 1 risk-based capital ratio | 13.5853% | 3,813 |
| Total risk-based capital ratio | 14.3591% | 4,003 |
| Memoranda: | ||
| Average total assets | $203,364,250 | 2,932 |
| Average earning assets | $183,804,750 | 2,985 |
| Average equity | $20,720,250 | 3,122 |
| Average total loans | $99,969,000 | 3,396 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 1,445 |
| Cost of funding earning assets | 0.5776% | 1,484 |
| Net interest margin | 3.9491% | 1,811 |
| Noninterest income to average assets | 0.7170% | 2,063 |
| Noninterest expense to average assets | 2.9798% | 2,411 |
| Loan and lease loss provision to assets | 0.1187% | 1,917 |
| Net operating income to assets | 1.1171% | 1,900 |
| Return on assets (ROA) | 1.3124% | 1,335 |
| Pretax return on assets | 1.4033% | 2,012 |
| Return on Equity (ROE) | 12.8868% | 1,058 |
| Retained earnings to average equity (ytd only) | 0.7478% | 5,076 |
| Net charge-offs to loans | 0.1423% | 1,473 |
| Credit loss provision to net charge-offs | 169.0141% | 1,461 |
| Earnings coverage of net charge-offs (x) | 18.7183% | 1,811 |
| Efficiency ratio | 69.3920% | 3,075 |
| Assets per employee ($millions) | 3.7603% | 4,343 |
| Cash dividends to net income (ytd only)* | 94.1974% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 4,559 |
| Loan loss allowance to noncurrent loans | 1,332.0000% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 2,155 |
| Noncurrent loans to loans | 0.0748% | 5,153 |
| Net loans and leases to total assets | 48.8900% | 4,920 |
| Net loans and leases to deposits | 54.8815% | 5,085 |
| Net loans and leases to core deposits | 57.9783% | 5,075 |
| Total domestic deposits to total assets | 89.0828% | 881 |
| Equity capital to assets | 10.5862% | 3,545 |
| Core capital (leverage) ratio | 9.0971% | 4,722 |
| Tier 1 risk-based capital ratio | 13.6763% | 3,782 |
| Total risk-based capital ratio | 14.4180% | 4,021 |
| Memoranda: | ||
| Average total assets | $202,231,330 | 2,959 |
| Average earning assets | $183,180,000 | 3,006 |
| Average equity | $20,594,670 | 3,132 |
| Average total loans | $99,816,000 | 3,412 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,468 |
| Cost of funding earning assets | 0.5747% | 1,514 |
| Net interest margin | 3.9395% | 1,814 |
| Noninterest income to average assets | 0.7591% | 1,779 |
| Noninterest expense to average assets | 3.0067% | 2,370 |
| Loan and lease loss provision to assets | 0.1189% | 1,773 |
| Net operating income to assets | 1.1286% | 1,798 |
| Return on assets (ROA) | 1.1416% | 1,864 |
| Pretax return on assets | 1.2209% | 2,616 |
| Return on Equity (ROE) | 11.4376% | 1,470 |
| Retained earnings to average equity (ytd only) | 1.5091% | 4,668 |
| Net charge-offs to loans | 0.2450% | 840 |
| Credit loss provision to net charge-offs | 98.3607% | 1,690 |
| Earnings coverage of net charge-offs (x) | 10.9672% | 1,893 |
| Efficiency ratio | 69.3962% | 3,230 |
| Assets per employee ($millions) | 3.7566% | 4,381 |
| Cash dividends to net income (ytd only)* | 86.8056% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 4,801 |
| Loan loss allowance to noncurrent loans | 335.3357% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1836% | 1,857 |
| Noncurrent loans to loans | 0.2868% | 4,407 |
| Net loans and leases to total assets | 48.1768% | 4,956 |
| Net loans and leases to deposits | 53.6647% | 5,121 |
| Net loans and leases to core deposits | 56.8451% | 5,094 |
| Total domestic deposits to total assets | 89.7737% | 696 |
| Equity capital to assets | 9.9784% | 4,103 |
| Core capital (leverage) ratio | 9.1458% | 4,668 |
| Tier 1 risk-based capital ratio | 13.6521% | 3,900 |
| Total risk-based capital ratio | 14.3555% | 4,116 |
| Memoranda: | ||
| Average total assets | $201,819,000 | 2,971 |
| Average earning assets | $183,067,000 | 3,014 |
| Average equity | $20,144,000 | 3,183 |
| Average total loans | $99,587,500 | 3,430 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,439 |
| Cost of funding earning assets | 0.5691% | 1,601 |
| Net interest margin | 3.9892% | 1,749 |
| Noninterest income to average assets | 0.6671% | 2,364 |
| Noninterest expense to average assets | 2.9217% | 2,790 |
| Loan and lease loss provision to assets | 0.1537% | 1,527 |
| Net operating income to assets | 1.1204% | 1,835 |
| Return on assets (ROA) | 1.1027% | 1,981 |
| Pretax return on assets | 1.1473% | 2,854 |
| Return on Equity (ROE) | 10.7849% | 1,691 |
| Retained earnings to average equity (ytd only) | 2.0147% | 4,582 |
| Net charge-offs to loans | 0.2167% | 1,360 |
| Credit loss provision to net charge-offs | 150.7538% | 1,762 |
| Earnings coverage of net charge-offs (x) | 12.9397% | 2,410 |
| Efficiency ratio | 68.8897% | 3,423 |
| Assets per employee ($millions) | 3.6505% | 4,565 |
| Cash dividends to net income (ytd only)* | 81.3197% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,893 |
| Loan loss allowance to noncurrent loans | 253.3333% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 1,950 |
| Noncurrent loans to loans | 0.3732% | 4,109 |
| Net loans and leases to total assets | 49.5794% | 4,907 |
| Net loans and leases to deposits | 55.8677% | 5,050 |
| Net loans and leases to core deposits | 58.8178% | 5,055 |
| Total domestic deposits to total assets | 88.7443% | 1,260 |
| Equity capital to assets | 9.9841% | 3,976 |
| Core capital (leverage) ratio | 9.2539% | 4,539 |
| Tier 1 risk-based capital ratio | 12.9913% | 4,324 |
| Total risk-based capital ratio | 13.6641% | 4,583 |
| Memoranda: | ||
| Average total assets | $195,160,400 | 2,994 |
| Average earning assets | $174,847,000 | 3,053 |
| Average equity | $19,953,800 | 3,172 |
| Average total loans | $91,838,200 | 3,550 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,760 |
| Cost of funding earning assets | 0.5746% | 1,586 |
| Net interest margin | 3.8744% | 2,116 |
| Noninterest income to average assets | 0.6475% | 2,498 |
| Noninterest expense to average assets | 2.8571% | 2,985 |
| Loan and lease loss provision to assets | 0.0963% | 2,248 |
| Net operating income to assets | 1.0723% | 2,124 |
| Return on assets (ROA) | 1.0639% | 2,248 |
| Pretax return on assets | 1.1375% | 3,061 |
| Return on Equity (ROE) | 10.3422% | 1,950 |
| Retained earnings to average equity (ytd only) | 2.9836% | 4,327 |
| Net charge-offs to loans | 0.1412% | 1,709 |
| Credit loss provision to net charge-offs | 147.3684% | 1,709 |
| Earnings coverage of net charge-offs (x) | 19.0111% | 1,968 |
| Efficiency ratio | 69.6878% | 3,257 |
| Assets per employee ($millions) | 3.5475% | 4,703 |
| Cash dividends to net income (ytd only)* | 71.1514% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,971 |
| Loan loss allowance to noncurrent loans | 429.8077% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 2,251 |
| Noncurrent loans to loans | 0.2215% | 4,771 |
| Net loans and leases to total assets | 46.8215% | 5,166 |
| Net loans and leases to deposits | 52.2694% | 5,353 |
| Net loans and leases to core deposits | 55.0264% | 5,353 |
| Total domestic deposits to total assets | 89.5772% | 741 |
| Equity capital to assets | 10.1117% | 4,040 |
| Core capital (leverage) ratio | 9.3671% | 4,490 |
| Tier 1 risk-based capital ratio | 13.9340% | 3,884 |
| Total risk-based capital ratio | 14.6115% | 4,135 |
| Memoranda: | ||
| Average total assets | $193,755,750 | 3,031 |
| Average earning assets | $172,650,000 | 3,104 |
| Average equity | $19,930,750 | 3,205 |
| Average total loans | $89,674,000 | 3,631 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 1,773 |
| Cost of funding earning assets | 0.5763% | 1,602 |
| Net interest margin | 3.8492% | 2,141 |
| Noninterest income to average assets | 0.6506% | 2,474 |
| Noninterest expense to average assets | 2.9096% | 2,865 |
| Loan and lease loss provision to assets | 0.0937% | 2,252 |
| Net operating income to assets | 0.9988% | 2,397 |
| Return on assets (ROA) | 1.0056% | 2,470 |
| Pretax return on assets | 1.0754% | 3,275 |
| Return on Equity (ROE) | 9.7191% | 2,199 |
| Retained earnings to average equity (ytd only) | 3.1793% | 4,029 |
| Net charge-offs to loans | 0.1722% | 1,434 |
| Credit loss provision to net charge-offs | 118.4211% | 1,826 |
| Earnings coverage of net charge-offs (x) | 14.6842% | 2,041 |
| Efficiency ratio | 71.4651% | 3,075 |
| Assets per employee ($millions) | 3.6196% | 4,589 |
| Cash dividends to net income (ytd only)* | 67.2878% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 5,084 |
| Loan loss allowance to noncurrent loans | 303.8732% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 2,588 |
| Noncurrent loans to loans | 0.3137% | 4,569 |
| Net loans and leases to total assets | 45.8784% | 5,257 |
| Net loans and leases to deposits | 51.1543% | 5,438 |
| Net loans and leases to core deposits | 53.8803% | 5,426 |
| Total domestic deposits to total assets | 89.6863% | 793 |
| Equity capital to assets | 10.0231% | 4,012 |
| Core capital (leverage) ratio | 9.3369% | 4,504 |
| Tier 1 risk-based capital ratio | 14.3661% | 3,722 |
| Total risk-based capital ratio | 15.0451% | 3,969 |
| Memoranda: | ||
| Average total assets | $192,120,670 | 3,074 |
| Average earning assets | $170,737,000 | 3,158 |
| Average equity | $19,878,330 | 3,225 |
| Average total loans | $88,262,000 | 3,681 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 1,765 |
| Cost of funding earning assets | 0.5765% | 1,606 |
| Net interest margin | 3.8247% | 2,152 |
| Noninterest income to average assets | 0.6868% | 2,220 |
| Noninterest expense to average assets | 2.9803% | 2,639 |
| Loan and lease loss provision to assets | 0.0945% | 2,103 |
| Net operating income to assets | 0.9327% | 2,594 |
| Return on assets (ROA) | 0.9346% | 2,713 |
| Pretax return on assets | 0.9997% | 3,508 |
| Return on Equity (ROE) | 8.8902% | 2,502 |
| Retained earnings to average equity (ytd only) | 2.8968% | 4,228 |
| Net charge-offs to loans | 0.0551% | 2,217 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 927 |
| Efficiency ratio | 73.1821% | 2,959 |
| Assets per employee ($millions) | 3.5331% | 4,838 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 4,958 |
| Loan loss allowance to noncurrent loans | 196.0000% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 2,481 |
| Noncurrent loans to loans | 0.5161% | 4,029 |
| Net loans and leases to total assets | 44.4129% | 5,323 |
| Net loans and leases to deposits | 49.6894% | 5,480 |
| Net loans and leases to core deposits | 52.5168% | 5,452 |
| Total domestic deposits to total assets | 89.3810% | 1,055 |
| Equity capital to assets | 10.3601% | 3,705 |
| Core capital (leverage) ratio | 9.4050% | 4,424 |
| Tier 1 risk-based capital ratio | 14.3436% | 3,804 |
| Total risk-based capital ratio | 15.0431% | 4,073 |
| Memoranda: | ||
| Average total assets | $190,452,000 | 3,118 |
| Average earning assets | $168,590,000 | 3,200 |
| Average equity | $20,022,000 | 3,236 |
| Average total loans | $87,125,000 | 3,723 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 1,156 |
| Cost of funding earning assets | 0.5834% | 1,920 |
| Net interest margin | 4.1931% | 1,324 |
| Noninterest income to average assets | 0.6788% | 2,408 |
| Noninterest expense to average assets | 2.9436% | 3,018 |
| Loan and lease loss provision to assets | 0.1134% | 2,277 |
| Net operating income to assets | 1.3412% | 1,205 |
| Return on assets (ROA) | 1.2485% | 1,504 |
| Pretax return on assets | 1.2912% | 2,274 |
| Return on Equity (ROE) | 11.8522% | 1,453 |
| Retained earnings to average equity (ytd only) | 3.1373% | 4,003 |
| Net charge-offs to loans | 0.4650% | 899 |
| Credit loss provision to net charge-offs | 50.1193% | 3,476 |
| Earnings coverage of net charge-offs (x) | 6.6301% | 3,163 |
| Efficiency ratio | 66.2413% | 4,211 |
| Assets per employee ($millions) | 3.3318% | 5,216 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 5,174 |
| Loan loss allowance to noncurrent loans | 105.2045% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 1,797 |
| Noncurrent loans to loans | 0.9269% | 2,998 |
| Net loans and leases to total assets | 46.2076% | 5,306 |
| Net loans and leases to deposits | 51.8767% | 5,490 |
| Net loans and leases to core deposits | 54.6145% | 5,470 |
| Total domestic deposits to total assets | 89.0718% | 1,201 |
| Equity capital to assets | 10.6720% | 3,275 |
| Core capital (leverage) ratio | 9.6266% | 4,063 |
| Tier 1 risk-based capital ratio | 14.3296% | 3,880 |
| Total risk-based capital ratio | 15.0077% | 4,199 |
| Memoranda: | ||
| Average total assets | $185,181,200 | 3,157 |
| Average earning assets | $166,272,200 | 3,199 |
| Average equity | $19,507,000 | 3,213 |
| Average total loans | $90,113,400 | 3,628 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 1,115 |
| Cost of funding earning assets | 0.5809% | 2,011 |
| Net interest margin | 4.2135% | 1,247 |
| Noninterest income to average assets | 0.7105% | 2,276 |
| Noninterest expense to average assets | 2.9359% | 3,006 |
| Loan and lease loss provision to assets | 0.1298% | 1,932 |
| Net operating income to assets | 1.3486% | 1,252 |
| Return on assets (ROA) | 1.1996% | 1,750 |
| Pretax return on assets | 1.2833% | 2,441 |
| Return on Equity (ROE) | 11.4259% | 1,652 |
| Retained earnings to average equity (ytd only) | 3.8682% | 3,900 |
| Net charge-offs to loans | 0.4240% | 938 |
| Credit loss provision to net charge-offs | 62.2837% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.5468% | 2,916 |
| Efficiency ratio | 65.1096% | 4,352 |
| Assets per employee ($millions) | 3.5743% | 4,728 |
| Cash dividends to net income (ytd only)* | 66.1455% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,877 |
| Loan loss allowance to noncurrent loans | 60.4592% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.9633% | 1,470 |
| Noncurrent loans to loans | 1.7700% | 1,834 |
| Net loans and leases to total assets | 47.1533% | 5,278 |
| Net loans and leases to deposits | 53.0817% | 5,456 |
| Net loans and leases to core deposits | 55.7176% | 5,466 |
| Total domestic deposits to total assets | 88.8316% | 1,339 |
| Equity capital to assets | 10.8493% | 3,128 |
| Core capital (leverage) ratio | 9.7456% | 4,005 |
| Tier 1 risk-based capital ratio | 15.8233% | 3,145 |
| Total risk-based capital ratio | 16.6617% | 3,299 |
| Memoranda: | ||
| Average total assets | $184,831,000 | 3,189 |
| Average earning assets | $166,635,000 | 3,226 |
| Average equity | $19,405,750 | 3,240 |
| Average total loans | $90,875,750 | 3,641 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 1,121 |
| Cost of funding earning assets | 0.5774% | 2,096 |
| Net interest margin | 4.1975% | 1,249 |
| Noninterest income to average assets | 0.7437% | 2,074 |
| Noninterest expense to average assets | 2.9487% | 3,009 |
| Loan and lease loss provision to assets | 0.1626% | 1,518 |
| Net operating income to assets | 1.3436% | 1,197 |
| Return on assets (ROA) | 1.2055% | 1,636 |
| Pretax return on assets | 1.2901% | 2,293 |
| Return on Equity (ROE) | 11.6120% | 1,545 |
| Retained earnings to average equity (ytd only) | 4.3023% | 3,434 |
| Net charge-offs to loans | 0.6220% | 632 |
| Credit loss provision to net charge-offs | 52.6316% | 2,758 |
| Earnings coverage of net charge-offs (x) | 5.1825% | 2,972 |
| Efficiency ratio | 64.8082% | 4,567 |
| Assets per employee ($millions) | 3.5072% | 4,834 |
| Cash dividends to net income (ytd only)* | 62.9496% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,398 |
| Loan loss allowance to noncurrent loans | 52.1764% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.4155% | 1,193 |
| Noncurrent loans to loans | 1.8968% | 1,807 |
| Net loans and leases to total assets | 49.6764% | 4,993 |
| Net loans and leases to deposits | 55.7873% | 5,204 |
| Net loans and leases to core deposits | 58.6370% | 5,225 |
| Total domestic deposits to total assets | 89.0461% | 1,327 |
| Equity capital to assets | 10.6451% | 3,262 |
| Core capital (leverage) ratio | 9.6037% | 4,169 |
| Tier 1 risk-based capital ratio | 14.3729% | 4,011 |
| Total risk-based capital ratio | 15.1206% | 4,289 |
| Memoranda: | ||
| Average total assets | $184,486,670 | 3,212 |
| Average earning assets | $167,290,670 | 3,231 |
| Average equity | $19,152,670 | 3,264 |
| Average total loans | $91,638,000 | 3,649 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,290 |
| Cost of funding earning assets | 0.5754% | 2,195 |
| Net interest margin | 4.1107% | 1,430 |
| Noninterest income to average assets | 0.6812% | 2,280 |
| Noninterest expense to average assets | 2.9751% | 2,964 |
| Loan and lease loss provision to assets | 0.1306% | 1,862 |
| Net operating income to assets | 1.2529% | 1,338 |
| Return on assets (ROA) | 1.1056% | 1,852 |
| Pretax return on assets | 1.1818% | 2,564 |
| Return on Equity (ROE) | 10.7881% | 1,764 |
| Retained earnings to average equity (ytd only) | 4.4172% | 3,474 |
| Net charge-offs to loans | 1.2463% | 268 |
| Credit loss provision to net charge-offs | 21.2014% | 2,488 |
| Earnings coverage of net charge-offs (x) | 2.3852% | 2,888 |
| Efficiency ratio | 66.9442% | 4,372 |
| Assets per employee ($millions) | 3.7229% | 4,474 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 5,868 |
| Loan loss allowance to noncurrent loans | 54.5395% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.2875% | 1,435 |
| Noncurrent loans to loans | 1.6489% | 2,358 |
| Net loans and leases to total assets | 49.4314% | 4,959 |
| Net loans and leases to deposits | 55.2541% | 5,177 |
| Net loans and leases to core deposits | 58.0531% | 5,196 |
| Total domestic deposits to total assets | 89.4619% | 1,385 |
| Equity capital to assets | 10.3184% | 3,437 |
| Core capital (leverage) ratio | 9.5045% | 4,270 |
| Tier 1 risk-based capital ratio | 14.7127% | 3,877 |
| Total risk-based capital ratio | 15.4133% | 4,169 |
| Memoranda: | ||
| Average total assets | $183,790,500 | 3,243 |
| Average earning assets | $168,242,500 | 3,234 |
| Average equity | $18,835,500 | 3,303 |
| Average total loans | $90,826,500 | 3,685 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 1,868 |
| Cost of funding earning assets | 0.7479% | 1,508 |
| Net interest margin | 3.8550% | 2,456 |
| Noninterest income to average assets | 0.7422% | 2,325 |
| Noninterest expense to average assets | 2.7762% | 3,810 |
| Loan and lease loss provision to assets | 0.0701% | 3,723 |
| Net operating income to assets | 1.3849% | 1,059 |
| Return on assets (ROA) | 1.0882% | 2,045 |
| Pretax return on assets | 1.1555% | 2,752 |
| Return on Equity (ROE) | 10.6031% | 1,892 |
| Retained earnings to average equity (ytd only) | 1.7313% | 5,007 |
| Net charge-offs to loans | -0.0624% | 6,379 |
| Credit loss provision to net charge-offs | -235.1852% | 6,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3021% | 4,847 |
| Assets per employee ($millions) | 3.6288% | 4,617 |
| Cash dividends to net income (ytd only)* | 83.6714% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,708 |
| Loan loss allowance to noncurrent loans | 54.1176% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.4631% | 1,400 |
| Noncurrent loans to loans | 2.2015% | 1,774 |
| Net loans and leases to total assets | 48.3620% | 5,256 |
| Net loans and leases to deposits | 54.0301% | 5,466 |
| Net loans and leases to core deposits | 56.8873% | 5,472 |
| Total domestic deposits to total assets | 89.5094% | 1,328 |
| Equity capital to assets | 10.1765% | 3,538 |
| Core capital (leverage) ratio | 9.5074% | 4,252 |
| Tier 1 risk-based capital ratio | 14.4441% | 3,989 |
| Total risk-based capital ratio | 15.3259% | 4,188 |
| Memoranda: | ||
| Average total assets | $181,219,000 | 3,263 |
| Average earning assets | $168,067,600 | 3,238 |
| Average equity | $18,598,400 | 3,327 |
| Average total loans | $86,572,000 | 3,768 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,031 |
| Cost of funding earning assets | 0.7940% | 1,360 |
| Net interest margin | 3.7593% | 2,803 |
| Noninterest income to average assets | 0.7551% | 2,343 |
| Noninterest expense to average assets | 2.6804% | 4,094 |
| Loan and lease loss provision to assets | 0.0832% | 3,403 |
| Net operating income to assets | 1.3847% | 1,138 |
| Return on assets (ROA) | 1.0576% | 2,242 |
| Pretax return on assets | 1.1312% | 2,977 |
| Return on Equity (ROE) | 10.2831% | 2,071 |
| Retained earnings to average equity (ytd only) | 2.0538% | 5,099 |
| Net charge-offs to loans | -0.0062% | 5,809 |
| Credit loss provision to net charge-offs | -2,825.0000% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1196% | 4,963 |
| Assets per employee ($millions) | 3.6667% | 4,517 |
| Cash dividends to net income (ytd only)* | 80.0282% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 5,379 |
| Loan loss allowance to noncurrent loans | 35.0989% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.1305% | 1,869 |
| Noncurrent loans to loans | 3.0975% | 1,284 |
| Net loans and leases to total assets | 49.3280% | 5,209 |
| Net loans and leases to deposits | 54.9757% | 5,456 |
| Net loans and leases to core deposits | 58.9618% | 5,372 |
| Total domestic deposits to total assets | 89.7269% | 1,155 |
| Equity capital to assets | 9.8509% | 4,107 |
| Core capital (leverage) ratio | 9.6231% | 4,216 |
| Tier 1 risk-based capital ratio | 14.3263% | 4,199 |
| Total risk-based capital ratio | 15.1497% | 4,452 |
| Memoranda: | ||
| Average total assets | $181,164,250 | 3,287 |
| Average earning assets | $168,252,250 | 3,266 |
| Average equity | $18,632,000 | 3,356 |
| Average total loans | $86,013,750 | 3,808 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 2,227 |
| Cost of funding earning assets | 0.7982% | 1,422 |
| Net interest margin | 3.6938% | 2,979 |
| Noninterest income to average assets | 0.7581% | 2,375 |
| Noninterest expense to average assets | 2.6912% | 4,061 |
| Loan and lease loss provision to assets | 0.0998% | 3,132 |
| Net operating income to assets | 1.3064% | 1,310 |
| Return on assets (ROA) | 1.0508% | 2,234 |
| Pretax return on assets | 1.1239% | 2,996 |
| Return on Equity (ROE) | 10.0730% | 2,170 |
| Retained earnings to average equity (ytd only) | 1.0413% | 5,484 |
| Net charge-offs to loans | 0.0428% | 4,079 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 75.1111% | 603 |
| Efficiency ratio | 64.2328% | 4,839 |
| Assets per employee ($millions) | 3.5854% | 4,655 |
| Cash dividends to net income (ytd only)* | 89.6624% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 5,535 |
| Loan loss allowance to noncurrent loans | 115.3098% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 3,563 |
| Noncurrent loans to loans | 0.9320% | 4,060 |
| Net loans and leases to total assets | 47.7712% | 5,350 |
| Net loans and leases to deposits | 53.4760% | 5,558 |
| Net loans and leases to core deposits | 57.3774% | 5,478 |
| Total domestic deposits to total assets | 89.3321% | 1,427 |
| Equity capital to assets | 10.3135% | 3,531 |
| Core capital (leverage) ratio | 9.4733% | 4,286 |
| Tier 1 risk-based capital ratio | 14.6463% | 4,001 |
| Total risk-based capital ratio | 15.4589% | 4,244 |
| Memoranda: | ||
| Average total assets | $180,441,000 | 3,305 |
| Average earning assets | $167,634,000 | 3,291 |
| Average equity | $18,822,670 | 3,351 |
| Average total loans | $84,208,670 | 3,870 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 2,197 |
| Cost of funding earning assets | 0.8039% | 1,503 |
| Net interest margin | 3.6889% | 2,902 |
| Noninterest income to average assets | 0.7722% | 2,247 |
| Noninterest expense to average assets | 2.6937% | 4,090 |
| Loan and lease loss provision to assets | 0.1004% | 3,000 |
| Net operating income to assets | 1.2959% | 1,287 |
| Return on assets (ROA) | 1.0199% | 2,262 |
| Pretax return on assets | 1.0913% | 2,990 |
| Return on Equity (ROE) | 9.7211% | 2,177 |
| Retained earnings to average equity (ytd only) | -1.9782% | 6,076 |
| Net charge-offs to loans | -0.0779% | 6,336 |
| Credit loss provision to net charge-offs | -281.2500% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4077% | 4,940 |
| Assets per employee ($millions) | 3.6360% | 4,711 |
| Cash dividends to net income (ytd only)* | 120.3501% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,437 |
| Loan loss allowance to noncurrent loans | 123.2589% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 3,806 |
| Noncurrent loans to loans | 0.9267% | 4,277 |
| Net loans and leases to total assets | 44.6567% | 5,594 |
| Net loans and leases to deposits | 50.0577% | 5,780 |
| Net loans and leases to core deposits | 53.6892% | 5,693 |
| Total domestic deposits to total assets | 89.2106% | 1,548 |
| Equity capital to assets | 10.4572% | 3,587 |
| Core capital (leverage) ratio | 9.3726% | 4,285 |
| Tier 1 risk-based capital ratio | 15.2748% | 3,669 |
| Total risk-based capital ratio | 16.1218% | 3,886 |
| Memoranda: | ||
| Average total assets | $179,233,000 | 3,354 |
| Average earning assets | $165,686,500 | 3,353 |
| Average equity | $18,804,500 | 3,401 |
| Average total loans | $82,162,000 | 3,953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 1,563 |
| Cost of funding earning assets | 0.9723% | 1,512 |
| Net interest margin | 4.0256% | 2,286 |
| Noninterest income to average assets | 0.9510% | 1,701 |
| Noninterest expense to average assets | 2.7544% | 4,201 |
| Loan and lease loss provision to assets | 0.2847% | 2,380 |
| Net operating income to assets | 1.5555% | 820 |
| Return on assets (ROA) | 1.2448% | 1,621 |
| Pretax return on assets | 1.3217% | 2,318 |
| Return on Equity (ROE) | 12.6863% | 1,315 |
| Retained earnings to average equity (ytd only) | 1.5231% | 5,108 |
| Net charge-offs to loans | 0.2698% | 3,319 |
| Credit loss provision to net charge-offs | 227.6018% | 1,089 |
| Earnings coverage of net charge-offs (x) | 15.4842% | 1,647 |
| Efficiency ratio | 58.7114% | 5,735 |
| Assets per employee ($millions) | 3.6055% | 4,766 |
| Cash dividends to net income (ytd only)* | 87.9945% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 5,690 |
| Loan loss allowance to noncurrent loans | 116.0053% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.1190% | 3,785 |
| Noncurrent loans to loans | 0.9197% | 4,348 |
| Net loans and leases to total assets | 46.0321% | 5,608 |
| Net loans and leases to deposits | 51.6461% | 5,830 |
| Net loans and leases to core deposits | 55.3221% | 5,768 |
| Total domestic deposits to total assets | 89.1299% | 1,484 |
| Equity capital to assets | 10.5271% | 3,496 |
| Core capital (leverage) ratio | 9.6040% | 3,956 |
| Tier 1 risk-based capital ratio | 15.3498% | 3,513 |
| Total risk-based capital ratio | 16.1414% | 3,728 |
| Memoranda: | ||
| Average total assets | $176,661,800 | 3,351 |
| Average earning assets | $164,149,800 | 3,319 |
| Average equity | $17,333,600 | 3,572 |
| Average total loans | $81,904,000 | 3,975 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 1,590 |
| Cost of funding earning assets | 1.0106% | 1,497 |
| Net interest margin | 4.0262% | 2,394 |
| Noninterest income to average assets | 0.9434% | 1,692 |
| Noninterest expense to average assets | 2.8076% | 3,955 |
| Loan and lease loss provision to assets | 0.3230% | 2,036 |
| Net operating income to assets | 1.4562% | 1,111 |
| Return on assets (ROA) | 1.1804% | 1,990 |
| Pretax return on assets | 1.2627% | 2,739 |
| Return on Equity (ROE) | 12.2537% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.7116% | 2,891 |
| Net charge-offs to loans | 0.2949% | 2,962 |
| Credit loss provision to net charge-offs | 236.4641% | 1,174 |
| Earnings coverage of net charge-offs (x) | 13.7789% | 1,885 |
| Efficiency ratio | 59.8648% | 5,525 |
| Assets per employee ($millions) | 3.6326% | 4,696 |
| Cash dividends to net income (ytd only)* | 53.3890% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,110 |
| Loan loss allowance to noncurrent loans | 75.7194% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 3,851 |
| Noncurrent loans to loans | 1.3127% | 3,848 |
| Net loans and leases to total assets | 47.1160% | 5,647 |
| Net loans and leases to deposits | 52.6714% | 5,921 |
| Net loans and leases to core deposits | 56.5943% | 5,845 |
| Total domestic deposits to total assets | 89.4527% | 1,157 |
| Equity capital to assets | 10.0911% | 4,369 |
| Core capital (leverage) ratio | 9.8604% | 3,746 |
| Tier 1 risk-based capital ratio | 15.5102% | 3,528 |
| Total risk-based capital ratio | 16.2576% | 3,795 |
| Memoranda: | ||
| Average total assets | $176,660,250 | 3,400 |
| Average earning assets | $164,383,750 | 3,348 |
| Average equity | $17,017,500 | 3,652 |
| Average total loans | $81,829,750 | 4,026 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 1,684 |
| Cost of funding earning assets | 1.0797% | 1,314 |
| Net interest margin | 3.9634% | 2,666 |
| Noninterest income to average assets | 0.7729% | 2,327 |
| Noninterest expense to average assets | 2.7648% | 4,157 |
| Loan and lease loss provision to assets | 0.3405% | 1,937 |
| Net operating income to assets | 1.2613% | 1,540 |
| Return on assets (ROA) | 0.9942% | 2,718 |
| Pretax return on assets | 1.0635% | 3,449 |
| Return on Equity (ROE) | 10.4893% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.8793% | 2,776 |
| Net charge-offs to loans | 0.2795% | 2,923 |
| Credit loss provision to net charge-offs | 265.4867% | 1,085 |
| Earnings coverage of net charge-offs (x) | 13.1858% | 1,813 |
| Efficiency ratio | 62.0479% | 5,239 |
| Assets per employee ($millions) | 3.7057% | 4,507 |
| Cash dividends to net income (ytd only)* | 43.9498% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 6,355 |
| Loan loss allowance to noncurrent loans | 98.1179% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 4,298 |
| Noncurrent loans to loans | 0.9579% | 4,596 |
| Net loans and leases to total assets | 46.3395% | 5,795 |
| Net loans and leases to deposits | 51.5205% | 6,054 |
| Net loans and leases to core deposits | 55.3325% | 5,997 |
| Total domestic deposits to total assets | 89.9439% | 955 |
| Equity capital to assets | 9.7092% | 4,747 |
| Core capital (leverage) ratio | 9.6860% | 3,855 |
| Tier 1 risk-based capital ratio | 15.6007% | 3,383 |
| Total risk-based capital ratio | 16.3085% | 3,690 |
| Memoranda: | ||
| Average total assets | $176,214,000 | 3,420 |
| Average earning assets | $163,747,000 | 3,365 |
| Average equity | $16,702,670 | 3,701 |
| Average total loans | $80,870,330 | 4,076 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 1,761 |
| Cost of funding earning assets | 1.0803% | 1,496 |
| Net interest margin | 3.9580% | 2,676 |
| Noninterest income to average assets | 0.7503% | 2,398 |
| Noninterest expense to average assets | 2.7961% | 4,051 |
| Loan and lease loss provision to assets | 0.3421% | 1,830 |
| Net operating income to assets | 1.2021% | 1,727 |
| Return on assets (ROA) | 0.8712% | 3,271 |
| Pretax return on assets | 0.9328% | 3,921 |
| Return on Equity (ROE) | 9.3063% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.3063% | 1,469 |
| Net charge-offs to loans | -0.0552% | 6,567 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1633% | 5,076 |
| Assets per employee ($millions) | 3.7378% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 6,468 |
| Loan loss allowance to noncurrent loans | 105.5866% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 4,343 |
| Noncurrent loans to loans | 0.8816% | 4,903 |
| Net loans and leases to total assets | 44.8468% | 5,911 |
| Net loans and leases to deposits | 49.5862% | 6,170 |
| Net loans and leases to core deposits | 52.9488% | 6,130 |
| Total domestic deposits to total assets | 90.4422% | 835 |
| Equity capital to assets | 9.2474% | 5,163 |
| Core capital (leverage) ratio | 9.9386% | 3,444 |
| Tier 1 risk-based capital ratio | 15.6074% | 3,390 |
| Total risk-based capital ratio | 16.2964% | 3,684 |
| Memoranda: | ||
| Average total assets | $175,385,000 | 3,447 |
| Average earning assets | $162,911,000 | 3,393 |
| Average equity | $16,419,000 | 3,744 |
| Average total loans | $79,702,000 | 4,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 2,058 |
| Cost of funding earning assets | 1.1909% | 2,086 |
| Net interest margin | 4.0092% | 2,838 |
| Noninterest income to average assets | 0.7743% | 2,207 |
| Noninterest expense to average assets | 2.9815% | 3,662 |
| Loan and lease loss provision to assets | 0.4147% | 2,519 |
| Net operating income to assets | 1.0616% | 1,956 |
| Return on assets (ROA) | 0.9490% | 2,538 |
| Pretax return on assets | 0.9686% | 3,351 |
| Return on Equity (ROE) | 10.1986% | 1,993 |
| Retained earnings to average equity (ytd only) | 7.4612% | 1,285 |
| Net charge-offs to loans | 1.5879% | 998 |
| Credit loss provision to net charge-offs | 54.7731% | 5,304 |
| Earnings coverage of net charge-offs (x) | 1.9789% | 4,300 |
| Efficiency ratio | 66.5565% | 4,644 |
| Assets per employee ($millions) | 3.4971% | 5,018 |
| Cash dividends to net income (ytd only)* | 26.8414% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 6,817 |
| Loan loss allowance to noncurrent loans | 75.9898% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 3,824 |
| Noncurrent loans to loans | 1.0014% | 4,704 |
| Net loans and leases to total assets | 45.2809% | 6,079 |
| Net loans and leases to deposits | 50.1681% | 6,356 |
| Net loans and leases to core deposits | 53.9335% | 6,308 |
| Total domestic deposits to total assets | 90.2583% | 847 |
| Equity capital to assets | 9.4814% | 4,912 |
| Core capital (leverage) ratio | 9.8701% | 3,492 |
| Tier 1 risk-based capital ratio | 16.0471% | 3,020 |
| Total risk-based capital ratio | 16.6173% | 3,360 |
| Memoranda: | ||
| Average total assets | $168,806,000 | 3,513 |
| Average earning assets | $156,015,400 | 3,473 |
| Average equity | $15,708,000 | 3,769 |
| Average total loans | $80,482,000 | 4,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 2,214 |
| Cost of funding earning assets | 1.2158% | 2,217 |
| Net interest margin | 3.9838% | 2,985 |
| Noninterest income to average assets | 0.7833% | 2,129 |
| Noninterest expense to average assets | 3.0302% | 3,438 |
| Loan and lease loss provision to assets | 0.3964% | 2,475 |
| Net operating income to assets | 0.9705% | 2,434 |
| Return on assets (ROA) | 0.9847% | 2,536 |
| Pretax return on assets | 1.0529% | 3,196 |
| Return on Equity (ROE) | 10.6334% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.6334% | 695 |
| Net charge-offs to loans | 0.2204% | 4,055 |
| Credit loss provision to net charge-offs | 373.1343% | 761 |
| Earnings coverage of net charge-offs (x) | 13.5002% | 1,611 |
| Efficiency ratio | 67.8743% | 4,347 |
| Assets per employee ($millions) | 3.3761% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 2,627 |
| Loan loss allowance to noncurrent loans | 49.7897% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 3.0088% | 2,135 |
| Noncurrent loans to loans | 3.8044% | 1,775 |
| Net loans and leases to total assets | 47.2196% | 6,032 |
| Net loans and leases to deposits | 52.3788% | 6,336 |
| Net loans and leases to core deposits | 55.9946% | 6,321 |
| Total domestic deposits to total assets | 90.1503% | 786 |
| Equity capital to assets | 9.4931% | 5,102 |
| Core capital (leverage) ratio | 9.9967% | 3,450 |
| Tier 1 risk-based capital ratio | 15.6676% | 3,298 |
| Total risk-based capital ratio | 16.9284% | 3,255 |
| Memoranda: | ||
| Average total assets | $168,168,250 | 3,549 |
| Average earning assets | $155,391,500 | 3,511 |
| Average equity | $15,573,250 | 3,811 |
| Average total loans | $81,055,750 | 4,139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 2,326 |
| Cost of funding earning assets | 1.2517% | 2,239 |
| Net interest margin | 3.9328% | 3,157 |
| Noninterest income to average assets | 0.7490% | 2,265 |
| Noninterest expense to average assets | 3.0496% | 3,435 |
| Loan and lease loss provision to assets | 0.2084% | 3,841 |
| Net operating income to assets | 1.0543% | 2,021 |
| Return on assets (ROA) | 1.1920% | 1,685 |
| Pretax return on assets | 1.2741% | 2,229 |
| Return on Equity (ROE) | 12.9809% | 1,205 |
| Retained earnings to average equity (ytd only) | 12.9809% | 392 |
| Net charge-offs to loans | 0.3334% | 3,231 |
| Credit loss provision to net charge-offs | 129.6296% | 2,353 |
| Earnings coverage of net charge-offs (x) | 8.3111% | 2,081 |
| Efficiency ratio | 69.5357% | 4,195 |
| Assets per employee ($millions) | 3.6760% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 4,248 |
| Loan loss allowance to noncurrent loans | 37.7059% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 3.0781% | 2,181 |
| Noncurrent loans to loans | 3.9050% | 1,777 |
| Net loans and leases to total assets | 48.0014% | 6,049 |
| Net loans and leases to deposits | 53.3694% | 6,355 |
| Net loans and leases to core deposits | 57.5707% | 6,302 |
| Total domestic deposits to total assets | 89.9419% | 1,005 |
| Equity capital to assets | 9.7666% | 4,433 |
| Core capital (leverage) ratio | 9.8887% | 3,400 |
| Tier 1 risk-based capital ratio | 15.6286% | 3,166 |
| Total risk-based capital ratio | 16.7724% | 3,173 |
| Memoranda: | ||
| Average total assets | $167,955,330 | 3,572 |
| Average earning assets | $155,310,330 | 3,536 |
| Average equity | $15,422,670 | 3,832 |
| Average total loans | $80,991,330 | 4,181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 2,670 |
| Cost of funding earning assets | 1.3340% | 1,986 |
| Net interest margin | 3.7621% | 3,789 |
| Noninterest income to average assets | 0.7241% | 2,421 |
| Noninterest expense to average assets | 3.0612% | 3,416 |
| Loan and lease loss provision to assets | 0.2987% | 2,768 |
| Net operating income to assets | 0.7926% | 3,066 |
| Return on assets (ROA) | 1.2904% | 1,338 |
| Pretax return on assets | 1.3836% | 1,773 |
| Return on Equity (ROE) | 14.5195% | 907 |
| Retained earnings to average equity (ytd only) | 14.5195% | 434 |
| Net charge-offs to loans | 0.4284% | 2,413 |
| Credit loss provision to net charge-offs | 145.3488% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.5814% | 2,251 |
| Efficiency ratio | 72.7428% | 3,724 |
| Assets per employee ($millions) | 3.3878% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 4,117 |
| Loan loss allowance to noncurrent loans | 36.4292% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 3.1265% | 2,208 |
| Noncurrent loans to loans | 4.1676% | 1,723 |
| Net loans and leases to total assets | 47.3602% | 6,151 |
| Net loans and leases to deposits | 52.4113% | 6,444 |
| Net loans and leases to core deposits | 56.5736% | 6,365 |
| Total domestic deposits to total assets | 90.3627% | 925 |
| Equity capital to assets | 9.3633% | 4,633 |
| Core capital (leverage) ratio | 9.6123% | 3,646 |
| Tier 1 risk-based capital ratio | 15.7558% | 3,020 |
| Total risk-based capital ratio | 16.9410% | 3,020 |
| Memoranda: | ||
| Average total assets | $167,384,500 | 3,601 |
| Average earning assets | $155,021,000 | 3,563 |
| Average equity | $14,876,500 | 3,924 |
| Average total loans | $80,296,000 | 4,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 1,287 |
| Cost of funding earning assets | 1.7633% | 1,324 |
| Net interest margin | 4.0315% | 2,885 |
| Noninterest income to average assets | 0.7671% | 2,446 |
| Noninterest expense to average assets | 3.2233% | 3,005 |
| Loan and lease loss provision to assets | 0.3376% | 4,124 |
| Net operating income to assets | 0.9023% | 2,377 |
| Return on assets (ROA) | 0.7044% | 3,341 |
| Pretax return on assets | 0.7349% | 3,849 |
| Return on Equity (ROE) | 10.0833% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.0833% | 506 |
| Net charge-offs to loans | 0.8530% | 2,502 |
| Credit loss provision to net charge-offs | 78.8006% | 5,595 |
| Earnings coverage of net charge-offs (x) | 2.9847% | 3,579 |
| Efficiency ratio | 71.5992% | 3,869 |
| Assets per employee ($millions) | 3.3092% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,270 |
| Loan loss allowance to noncurrent loans | 101.3829% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 3,219 |
| Noncurrent loans to loans | 1.4326% | 4,344 |
| Net loans and leases to total assets | 47.1585% | 6,462 |
| Net loans and leases to deposits | 51.6399% | 6,770 |
| Net loans and leases to core deposits | 55.9772% | 6,694 |
| Total domestic deposits to total assets | 91.3219% | 450 |
| Equity capital to assets | 8.4198% | 5,967 |
| Core capital (leverage) ratio | 9.3113% | 3,991 |
| Tier 1 risk-based capital ratio | 14.4911% | 3,548 |
| Total risk-based capital ratio | 15.5827% | 3,606 |
| Memoranda: | ||
| Average total assets | $167,377,400 | 3,585 |
| Average earning assets | $155,052,600 | 3,544 |
| Average equity | $11,692,600 | 4,697 |
| Average total loans | $84,057,000 | 4,213 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 1,220 |
| Cost of funding earning assets | 1.8609% | 1,162 |
| Net interest margin | 4.0028% | 3,097 |
| Noninterest income to average assets | 0.7599% | 2,455 |
| Noninterest expense to average assets | 3.2856% | 2,614 |
| Loan and lease loss provision to assets | 0.2914% | 4,244 |
| Net operating income to assets | 0.8322% | 2,874 |
| Return on assets (ROA) | 0.8270% | 3,033 |
| Pretax return on assets | 0.8845% | 3,604 |
| Return on Equity (ROE) | 12.4855% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.4855% | 404 |
| Net charge-offs to loans | 0.4571% | 3,467 |
| Credit loss provision to net charge-offs | 125.4296% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.0859% | 2,855 |
| Efficiency ratio | 73.5525% | 3,406 |
| Assets per employee ($millions) | 3.3642% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 3,145 |
| Loan loss allowance to noncurrent loans | 67.9126% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9294% | 2,480 |
| Noncurrent loans to loans | 2.5052% | 3,110 |
| Net loans and leases to total assets | 49.0324% | 6,432 |
| Net loans and leases to deposits | 53.6970% | 6,786 |
| Net loans and leases to core deposits | 58.4988% | 6,702 |
| Total domestic deposits to total assets | 91.3132% | 353 |
| Equity capital to assets | 8.3659% | 6,439 |
| Core capital (leverage) ratio | 9.5096% | 3,889 |
| Tier 1 risk-based capital ratio | 13.9422% | 3,884 |
| Total risk-based capital ratio | 15.1930% | 3,840 |
| Memoranda: | ||
| Average total assets | $167,029,500 | 3,637 |
| Average earning assets | $154,686,750 | 3,609 |
| Average equity | $11,063,250 | 4,906 |
| Average total loans | $84,880,750 | 4,260 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8817% | 1,227 |
| Cost of funding earning assets | 1.9482% | 1,052 |
| Net interest margin | 3.9335% | 3,303 |
| Noninterest income to average assets | 0.7451% | 2,430 |
| Noninterest expense to average assets | 3.3763% | 2,326 |
| Loan and lease loss provision to assets | 0.0775% | 6,166 |
| Net operating income to assets | 0.8886% | 2,592 |
| Return on assets (ROA) | 0.8953% | 2,688 |
| Pretax return on assets | 0.9573% | 3,287 |
| Return on Equity (ROE) | 14.7922% | 890 |
| Retained earnings to average equity (ytd only) | 14.7922% | 257 |
| Net charge-offs to loans | 0.4827% | 3,094 |
| Credit loss provision to net charge-offs | 31.4010% | 5,712 |
| Earnings coverage of net charge-offs (x) | 4.1643% | 3,035 |
| Efficiency ratio | 76.6649% | 2,957 |
| Assets per employee ($millions) | 3.2989% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 4,179 |
| Loan loss allowance to noncurrent loans | 60.0813% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.5451% | 2,841 |
| Noncurrent loans to loans | 2.4126% | 3,235 |
| Net loans and leases to total assets | 48.7608% | 6,569 |
| Net loans and leases to deposits | 52.6681% | 6,935 |
| Net loans and leases to core deposits | 58.5138% | 6,797 |
| Total domestic deposits to total assets | 92.5812% | 139 |
| Equity capital to assets | 7.1684% | 7,288 |
| Core capital (leverage) ratio | 9.0462% | 4,529 |
| Tier 1 risk-based capital ratio | 13.7005% | 3,942 |
| Total risk-based capital ratio | 14.7708% | 4,015 |
| Memoranda: | ||
| Average total assets | $167,756,670 | 3,642 |
| Average earning assets | $156,042,670 | 3,598 |
| Average equity | $10,154,000 | 5,156 |
| Average total loans | $85,765,000 | 4,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8355% | 1,361 |
| Cost of funding earning assets | 2.0118% | 1,046 |
| Net interest margin | 3.8237% | 3,693 |
| Noninterest income to average assets | 0.7117% | 2,520 |
| Noninterest expense to average assets | 3.6509% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5732% | 4,019 |
| Return on assets (ROA) | 0.6313% | 3,875 |
| Pretax return on assets | 0.6976% | 4,244 |
| Return on Equity (ROE) | 11.4605% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.4605% | 836 |
| Net charge-offs to loans | 0.2459% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.9630% | 2,501 |
| Efficiency ratio | 85.2097% | 1,885 |
| Assets per employee ($millions) | 3.5255% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 3,995 |
| Loan loss allowance to noncurrent loans | 47.4431% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 3,189 |
| Noncurrent loans to loans | 3.1251% | 2,567 |
| Net loans and leases to total assets | 49.9072% | 6,469 |
| Net loans and leases to deposits | 53.1605% | 6,970 |
| Net loans and leases to core deposits | 60.2387% | 6,724 |
| Total domestic deposits to total assets | 93.8802% | 75 |
| Equity capital to assets | 5.8036% | 7,644 |
| Core capital (leverage) ratio | 7.2540% | 7,067 |
| Tier 1 risk-based capital ratio | 11.3430% | 5,817 |
| Total risk-based capital ratio | 12.4641% | 5,897 |
| Memoranda: | ||
| Average total assets | $169,162,000 | 3,675 |
| Average earning assets | $158,067,000 | 3,607 |
| Average equity | $9,319,000 | 5,448 |
| Average total loans | $87,841,500 | 4,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4632% | 722 |
| Cost of funding earning assets | 2.2834% | 1,715 |
| Net interest margin | 4.1798% | 2,135 |
| Noninterest income to average assets | 0.8792% | 2,030 |
| Noninterest expense to average assets | 3.0284% | 4,034 |
| Loan and lease loss provision to assets | 1.3314% | 1,723 |
| Net operating income to assets | 0.3685% | 4,256 |
| Return on assets (ROA) | 0.7767% | 2,710 |
| Pretax return on assets | 0.7843% | 3,296 |
| Return on Equity (ROE) | 12.1377% | 1,128 |
| Retained earnings to average equity (ytd only) | 8.2474% | 640 |
| Net charge-offs to loans | 2.9793% | 715 |
| Credit loss provision to net charge-offs | 77.1293% | 6,353 |
| Earnings coverage of net charge-offs (x) | 0.9868% | 5,125 |
| Efficiency ratio | 64.0010% | 5,779 |
| Assets per employee ($millions) | 3.3820% | 5,303 |
| Cash dividends to net income (ytd only)* | 32.0513% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,863 |
| Loan loss allowance to noncurrent loans | 43.6615% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.7475% | 2,543 |
| Noncurrent loans to loans | 3.3760% | 2,263 |
| Net loans and leases to total assets | 52.4133% | 6,376 |
| Net loans and leases to deposits | 55.4068% | 6,959 |
| Net loans and leases to core deposits | 66.9264% | 6,936 |
| Total domestic deposits to total assets | 94.5973% | 59 |
| Equity capital to assets | 5.2140% | 7,770 |
| Core capital (leverage) ratio | 7.0187% | 7,220 |
| Tier 1 risk-based capital ratio | 10.9575% | 5,955 |
| Total risk-based capital ratio | 12.1113% | 6,020 |
| Memoranda: | ||
| Average total assets | $170,719,800 | 3,600 |
| Average earning assets | $157,351,600 | 3,571 |
| Average equity | $10,924,600 | 5,042 |
| Average total loans | $98,916,800 | 3,986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5883% | 631 |
| Cost of funding earning assets | 2.3025% | 1,977 |
| Net interest margin | 4.2858% | 1,765 |
| Noninterest income to average assets | 0.8524% | 2,190 |
| Noninterest expense to average assets | 3.0340% | 3,908 |
| Loan and lease loss provision to assets | 0.6366% | 2,847 |
| Net operating income to assets | 1.0425% | 1,926 |
| Return on assets (ROA) | 1.3596% | 1,163 |
| Pretax return on assets | 1.4539% | 1,544 |
| Return on Equity (ROE) | 20.3171% | 291 |
| Retained earnings to average equity (ytd only) | 15.3688% | 146 |
| Net charge-offs to loans | 2.7244% | 660 |
| Credit loss provision to net charge-offs | 39.5259% | 6,428 |
| Earnings coverage of net charge-offs (x) | 1.0885% | 4,972 |
| Efficiency ratio | 63.3789% | 5,864 |
| Assets per employee ($millions) | 3.6376% | 4,582 |
| Cash dividends to net income (ytd only)* | 24.3552% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 7,187 |
| Loan loss allowance to noncurrent loans | 16.3680% | 7,267 |
| Noncurrent assets plus other real estate owned to assets | 3.2001% | 2,118 |
| Noncurrent loans to loans | 4.7514% | 1,436 |
| Net loans and leases to total assets | 53.6122% | 6,433 |
| Net loans and leases to deposits | 58.6945% | 6,920 |
| Net loans and leases to core deposits | 70.6486% | 6,928 |
| Total domestic deposits to total assets | 91.3410% | 291 |
| Equity capital to assets | 8.2954% | 6,510 |
| Core capital (leverage) ratio | 7.3994% | 7,079 |
| Tier 1 risk-based capital ratio | 10.5558% | 6,410 |
| Total risk-based capital ratio | 11.1634% | 7,007 |
| Memoranda: | ||
| Average total assets | $171,124,250 | 3,610 |
| Average earning assets | $157,103,250 | 3,597 |
| Average equity | $11,451,500 | 4,934 |
| Average total loans | $101,156,500 | 3,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6757% | 568 |
| Cost of funding earning assets | 2.3143% | 2,297 |
| Net interest margin | 4.3613% | 1,491 |
| Noninterest income to average assets | 0.8652% | 2,122 |
| Noninterest expense to average assets | 3.1087% | 3,660 |
| Loan and lease loss provision to assets | 0.3994% | 3,522 |
| Net operating income to assets | 1.3061% | 1,217 |
| Return on assets (ROA) | 1.3061% | 1,295 |
| Pretax return on assets | 1.3973% | 1,735 |
| Return on Equity (ROE) | 21.3153% | 270 |
| Retained earnings to average equity (ytd only) | 15.9961% | 158 |
| Net charge-offs to loans | 2.3567% | 758 |
| Credit loss provision to net charge-offs | 27.8282% | 6,054 |
| Earnings coverage of net charge-offs (x) | 1.2519% | 4,593 |
| Efficiency ratio | 63.3728% | 6,029 |
| Assets per employee ($millions) | 3.5327% | 4,726 |
| Cash dividends to net income (ytd only)* | 24.9546% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,482 |
| Loan loss allowance to noncurrent loans | 30.8727% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5834% | 2,492 |
| Noncurrent loans to loans | 3.6162% | 1,926 |
| Net loans and leases to total assets | 57.5637% | 6,028 |
| Net loans and leases to deposits | 62.1932% | 6,718 |
| Net loans and leases to core deposits | 74.1482% | 6,781 |
| Total domestic deposits to total assets | 92.5564% | 139 |
| Equity capital to assets | 7.1241% | 7,538 |
| Core capital (leverage) ratio | 7.3719% | 7,159 |
| Tier 1 risk-based capital ratio | 9.4073% | 7,470 |
| Total risk-based capital ratio | 10.2527% | 7,712 |
| Memoranda: | ||
| Average total assets | $168,751,330 | 3,668 |
| Average earning assets | $156,329,330 | 3,628 |
| Average equity | $10,340,000 | 5,269 |
| Average total loans | $102,772,330 | 3,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6258% | 672 |
| Cost of funding earning assets | 2.3647% | 2,443 |
| Net interest margin | 4.2611% | 1,698 |
| Noninterest income to average assets | 0.8477% | 2,089 |
| Noninterest expense to average assets | 3.1145% | 3,323 |
| Loan and lease loss provision to assets | 0.4370% | 2,739 |
| Net operating income to assets | 1.1910% | 1,680 |
| Return on assets (ROA) | 1.1910% | 1,791 |
| Pretax return on assets | 1.2727% | 2,365 |
| Return on Equity (ROE) | 21.2329% | 346 |
| Retained earnings to average equity (ytd only) | 16.9521% | 273 |
| Net charge-offs to loans | 0.4780% | 2,255 |
| Credit loss provision to net charge-offs | 146.7742% | 2,828 |
| Earnings coverage of net charge-offs (x) | 5.7419% | 2,613 |
| Efficiency ratio | 64.5595% | 5,587 |
| Assets per employee ($millions) | 3.3517% | 5,201 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 1,415 |
| Loan loss allowance to noncurrent loans | 45.8129% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.9072% | 1,958 |
| Noncurrent loans to loans | 4.3668% | 1,334 |
| Net loans and leases to total assets | 60.1284% | 5,628 |
| Net loans and leases to deposits | 63.7894% | 6,580 |
| Net loans and leases to core deposits | 75.6971% | 6,697 |
| Total domestic deposits to total assets | 94.2608% | 32 |
| Equity capital to assets | 5.3538% | 8,086 |
| Core capital (leverage) ratio | 7.0639% | 7,590 |
| Tier 1 risk-based capital ratio | 9.1197% | 7,727 |
| Total risk-based capital ratio | 10.3737% | 7,732 |
| Memoranda: | ||
| Average total assets | $166,576,000 | 3,717 |
| Average earning assets | $155,453,500 | 3,657 |
| Average equity | $9,344,000 | 5,582 |
| Average total loans | $103,774,000 | 3,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2064% | 732 |
| Cost of funding earning assets | 2.8251% | 2,606 |
| Net interest margin | 4.3814% | 1,746 |
| Noninterest income to average assets | 0.8267% | 2,375 |
| Noninterest expense to average assets | 3.1571% | 3,492 |
| Loan and lease loss provision to assets | 1.1465% | 1,275 |
| Net operating income to assets | 0.5510% | 4,526 |
| Return on assets (ROA) | 0.5510% | 4,372 |
| Pretax return on assets | 0.6408% | 4,571 |
| Return on Equity (ROE) | 7.7893% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.3312% | 2,429 |
| Net charge-offs to loans | 0.8305% | 1,509 |
| Credit loss provision to net charge-offs | 216.5127% | 2,223 |
| Earnings coverage of net charge-offs (x) | 3.3753% | 4,396 |
| Efficiency ratio | 63.8511% | 5,595 |
| Assets per employee ($millions) | 3.3790% | 5,000 |
| Cash dividends to net income (ytd only)* | 44.3951% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 1,395 |
| Loan loss allowance to noncurrent loans | 52.4672% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 3.2349% | 1,409 |
| Noncurrent loans to loans | 3.6381% | 1,389 |
| Net loans and leases to total assets | 62.0448% | 5,617 |
| Net loans and leases to deposits | 66.1355% | 6,637 |
| Net loans and leases to core deposits | 79.2751% | 6,669 |
| Total domestic deposits to total assets | 93.8147% | 34 |
| Equity capital to assets | 5.8682% | 8,081 |
| Core capital (leverage) ratio | 6.9150% | 7,748 |
| Tier 1 risk-based capital ratio | 8.8743% | 7,865 |
| Total risk-based capital ratio | 10.1274% | 7,891 |
| Memoranda: | ||
| Average total assets | $163,535,000 | 3,655 |
| Average earning assets | $153,696,000 | 3,588 |
| Average equity | $11,567,200 | 4,948 |
| Average total loans | $104,271,600 | 3,841 |