Home > Peoples Savings Bank > Performance and Condition Ratios
Peoples Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0284% | 1,141 |
| Cost of funding earning assets | 2.0502% | 1,781 |
| Net interest margin | 3.9783% | 1,338 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.5525% | 2,153 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.1397% | 1,896 |
| Return on assets (ROA) | 1.1397% | 1,891 |
| Pretax return on assets | 1.4497% | 1,626 |
| Return on Equity (ROE) | 12.4600% | 1,631 |
| Retained earnings to average equity (ytd only) | 12.4556% | 719 |
| Net charge-offs to loans | 0.0185% | 1,636 |
| Credit loss provision to net charge-offs | 712.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 106.4400% | 663 |
| Efficiency ratio | 61.6736% | 2,749 |
| Assets per employee ($millions) | 7.2213% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 2,985 |
| Loan loss allowance to noncurrent loans | 866.0606% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 3,027 |
| Noncurrent loans to loans | 0.1209% | 3,069 |
| Net loans and leases to total assets | 79.5500% | 648 |
| Net loans and leases to deposits | 96.8728% | 568 |
| Net loans and leases to core deposits | 102.5284% | 1,220 |
| Total domestic deposits to total assets | 82.1200% | 3,283 |
| Equity capital to assets | 9.2294% | 2,762 |
| Core capital (leverage) ratio | 9.6163% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3562% | 2,403 |
| Memoranda: | ||
| Average total assets | $671,039,500 | 1,404 |
| Average earning assets | $626,099,000 | 1,401 |
| Average equity | $61,402,000 | 1,520 |
| Average total loans | $540,772,000 | 1,244 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8921% | 1,443 |
| Cost of funding earning assets | 2.3291% | 1,487 |
| Net interest margin | 3.5631% | 1,944 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.4183% | 2,532 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.9877% | 2,096 |
| Return on assets (ROA) | 0.9877% | 2,089 |
| Pretax return on assets | 1.2500% | 1,872 |
| Return on Equity (ROE) | 11.5700% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.5689% | 357 |
| Net charge-offs to loans | 0.0572% | 1,557 |
| Credit loss provision to net charge-offs | 200.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 29.8377% | 1,537 |
| Efficiency ratio | 63.9185% | 2,728 |
| Assets per employee ($millions) | 6.9092% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,004 |
| Loan loss allowance to noncurrent loans | 521.8574% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,648 |
| Noncurrent loans to loans | 0.1989% | 2,725 |
| Net loans and leases to total assets | 79.9500% | 657 |
| Net loans and leases to deposits | 96.8326% | 654 |
| Net loans and leases to core deposits | 103.5801% | 1,245 |
| Total domestic deposits to total assets | 82.5700% | 3,130 |
| Equity capital to assets | 9.0693% | 2,768 |
| Core capital (leverage) ratio | 9.3176% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2091% | 2,465 |
| Memoranda: | ||
| Average total assets | $660,103,600 | 1,407 |
| Average earning assets | $618,877,200 | 1,393 |
| Average equity | $56,357,800 | 1,569 |
| Average total loans | $528,152,000 | 1,250 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 1,520 |
| Cost of funding earning assets | 2.3159% | 1,509 |
| Net interest margin | 3.5075% | 2,008 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 2.4126% | 2,480 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.9141% | 2,334 |
| Return on assets (ROA) | 0.9141% | 2,339 |
| Pretax return on assets | 1.1543% | 2,109 |
| Return on Equity (ROE) | 10.8800% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.8765% | 674 |
| Net charge-offs to loans | 0.0742% | 1,159 |
| Credit loss provision to net charge-offs | 222.5256% | 1,020 |
| Earnings coverage of net charge-offs (x) | 22.3174% | 1,684 |
| Efficiency ratio | 64.5947% | 2,644 |
| Assets per employee ($millions) | 7.1168% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,056 |
| Loan loss allowance to noncurrent loans | 794.7666% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 3,004 |
| Noncurrent loans to loans | 0.1307% | 3,021 |
| Net loans and leases to total assets | 78.3700% | 835 |
| Net loans and leases to deposits | 97.5594% | 616 |
| Net loans and leases to core deposits | 105.3539% | 1,170 |
| Total domestic deposits to total assets | 80.3300% | 3,416 |
| Equity capital to assets | 8.6216% | 3,311 |
| Core capital (leverage) ratio | 9.0820% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6465% | 2,652 |
| Memoranda: | ||
| Average total assets | $659,309,750 | 1,400 |
| Average earning assets | $619,227,000 | 1,387 |
| Average equity | $55,408,500 | 1,582 |
| Average total loans | $526,225,250 | 1,245 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7686% | 1,500 |
| Cost of funding earning assets | 2.2370% | 1,570 |
| Net interest margin | 3.5316% | 1,900 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.3908% | 2,545 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 0.9448% | 2,170 |
| Return on assets (ROA) | 0.9448% | 2,172 |
| Pretax return on assets | 1.1948% | 1,945 |
| Return on Equity (ROE) | 11.3500% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.3452% | 636 |
| Net charge-offs to loans | 0.0625% | 1,144 |
| Credit loss provision to net charge-offs | 286.5031% | 839 |
| Earnings coverage of net charge-offs (x) | 27.3681% | 1,443 |
| Efficiency ratio | 63.5748% | 2,824 |
| Assets per employee ($millions) | 7.0488% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,043 |
| Loan loss allowance to noncurrent loans | 631.6686% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 2,772 |
| Noncurrent loans to loans | 0.1657% | 2,844 |
| Net loans and leases to total assets | 78.5600% | 844 |
| Net loans and leases to deposits | 96.9266% | 724 |
| Net loans and leases to core deposits | 103.8125% | 1,268 |
| Total domestic deposits to total assets | 81.0600% | 3,267 |
| Equity capital to assets | 8.3564% | 3,196 |
| Core capital (leverage) ratio | 8.9138% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6609% | 2,654 |
| Memoranda: | ||
| Average total assets | $651,341,333 | 1,414 |
| Average earning assets | $612,242,667 | 1,396 |
| Average equity | $54,243,333 | 1,590 |
| Average total loans | $521,276,333 | 1,252 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 1,516 |
| Cost of funding earning assets | 2.1239% | 1,729 |
| Net interest margin | 3.5440% | 1,815 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.3389% | 2,684 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 0.9779% | 1,993 |
| Return on assets (ROA) | 0.9779% | 2,003 |
| Pretax return on assets | 1.2706% | 1,709 |
| Return on Equity (ROE) | 11.7600% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.7634% | 787 |
| Net charge-offs to loans | 0.0953% | 747 |
| Credit loss provision to net charge-offs | 136.5854% | 983 |
| Earnings coverage of net charge-offs (x) | 18.2358% | 1,400 |
| Efficiency ratio | 62.6042% | 2,965 |
| Assets per employee ($millions) | 7.1690% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,225 |
| Loan loss allowance to noncurrent loans | 762.3563% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,917 |
| Noncurrent loans to loans | 0.1330% | 2,947 |
| Net loans and leases to total assets | 79.4000% | 684 |
| Net loans and leases to deposits | 94.4771% | 831 |
| Net loans and leases to core deposits | 100.6009% | 1,383 |
| Total domestic deposits to total assets | 84.0500% | 2,702 |
| Equity capital to assets | 8.2981% | 3,161 |
| Core capital (leverage) ratio | 8.9617% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4786% | 2,717 |
| Memoranda: | ||
| Average total assets | $642,192,000 | 1,441 |
| Average earning assets | $604,736,000 | 1,416 |
| Average equity | $53,386,000 | 1,602 |
| Average total loans | $516,082,000 | 1,252 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 2,189 |
| Cost of funding earning assets | 1.6474% | 1,579 |
| Net interest margin | 3.2977% | 2,641 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.3209% | 2,795 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8782% | 2,611 |
| Return on assets (ROA) | 0.8782% | 2,581 |
| Pretax return on assets | 1.1458% | 2,275 |
| Return on Equity (ROE) | 11.1000% | 2,197 |
| Retained earnings to average equity (ytd only) | 11.0990% | 773 |
| Net charge-offs to loans | 0.0241% | 1,831 |
| Credit loss provision to net charge-offs | 254.2373% | 1,059 |
| Earnings coverage of net charge-offs (x) | 62.9407% | 1,160 |
| Efficiency ratio | 65.8419% | 2,375 |
| Assets per employee ($millions) | 7.0223% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,142 |
| Loan loss allowance to noncurrent loans | 843.1090% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 2,866 |
| Noncurrent loans to loans | 0.1226% | 2,907 |
| Net loans and leases to total assets | 79.6800% | 679 |
| Net loans and leases to deposits | 91.1480% | 1,168 |
| Net loans and leases to core deposits | 98.4801% | 1,522 |
| Total domestic deposits to total assets | 87.4200% | 1,551 |
| Equity capital to assets | 8.3285% | 3,172 |
| Core capital (leverage) ratio | 8.9926% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8011% | 2,629 |
| Memoranda: | ||
| Average total assets | $616,834,800 | 1,444 |
| Average earning assets | $579,162,200 | 1,420 |
| Average equity | $48,806,200 | 1,638 |
| Average total loans | $488,818,200 | 1,253 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 2,285 |
| Cost of funding earning assets | 1.5371% | 1,515 |
| Net interest margin | 3.2548% | 2,792 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.3060% | 2,775 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8739% | 2,782 |
| Return on assets (ROA) | 0.8739% | 2,763 |
| Pretax return on assets | 1.1423% | 2,451 |
| Return on Equity (ROE) | 11.2000% | 2,325 |
| Retained earnings to average equity (ytd only) | 11.1962% | 1,130 |
| Net charge-offs to loans | 0.0229% | 1,633 |
| Credit loss provision to net charge-offs | 153.0120% | 1,311 |
| Earnings coverage of net charge-offs (x) | 65.3494% | 1,156 |
| Efficiency ratio | 66.1571% | 2,258 |
| Assets per employee ($millions) | 6.8873% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,172 |
| Loan loss allowance to noncurrent loans | 1,277.5561% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,186 |
| Noncurrent loans to loans | 0.0812% | 3,182 |
| Net loans and leases to total assets | 78.0200% | 879 |
| Net loans and leases to deposits | 90.4773% | 1,197 |
| Net loans and leases to core deposits | 98.1313% | 1,436 |
| Total domestic deposits to total assets | 86.2300% | 2,124 |
| Equity capital to assets | 7.8998% | 3,118 |
| Core capital (leverage) ratio | 8.9879% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8534% | 2,654 |
| Memoranda: | ||
| Average total assets | $613,041,750 | 1,449 |
| Average earning assets | $575,267,250 | 1,432 |
| Average equity | $47,848,500 | 1,649 |
| Average total loans | $483,812,500 | 1,259 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 2,279 |
| Cost of funding earning assets | 1.4462% | 1,347 |
| Net interest margin | 3.2169% | 2,944 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.2591% | 2,924 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8763% | 2,836 |
| Return on assets (ROA) | 0.8763% | 2,825 |
| Pretax return on assets | 1.1442% | 2,525 |
| Return on Equity (ROE) | 11.2700% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.2741% | 1,131 |
| Net charge-offs to loans | 0.0275% | 1,336 |
| Credit loss provision to net charge-offs | 168.1818% | 1,133 |
| Earnings coverage of net charge-offs (x) | 54.9242% | 1,234 |
| Efficiency ratio | 65.4696% | 2,313 |
| Assets per employee ($millions) | 6.8691% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,217 |
| Loan loss allowance to noncurrent loans | 2,329.0909% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,429 |
| Noncurrent loans to loans | 0.0449% | 3,399 |
| Net loans and leases to total assets | 78.4600% | 789 |
| Net loans and leases to deposits | 93.1354% | 940 |
| Net loans and leases to core deposits | 100.1222% | 1,231 |
| Total domestic deposits to total assets | 84.2400% | 2,767 |
| Equity capital to assets | 7.9044% | 3,281 |
| Core capital (leverage) ratio | 8.7069% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6520% | 2,720 |
| Memoranda: | ||
| Average total assets | $608,475,667 | 1,458 |
| Average earning assets | $570,865,000 | 1,439 |
| Average equity | $47,294,333 | 1,669 |
| Average total loans | $480,378,667 | 1,254 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 2,343 |
| Cost of funding earning assets | 1.2929% | 1,246 |
| Net interest margin | 3.1952% | 3,127 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.2922% | 2,835 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7866% | 3,234 |
| Return on assets (ROA) | 0.7866% | 3,182 |
| Pretax return on assets | 1.0232% | 2,924 |
| Return on Equity (ROE) | 10.2100% | 2,722 |
| Retained earnings to average equity (ytd only) | 10.2089% | 1,646 |
| Net charge-offs to loans | 0.0412% | 944 |
| Credit loss provision to net charge-offs | 318.3673% | 671 |
| Earnings coverage of net charge-offs (x) | 34.7755% | 1,245 |
| Efficiency ratio | 66.9959% | 2,089 |
| Assets per employee ($millions) | 7.1656% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,179 |
| Loan loss allowance to noncurrent loans | 2,254.7826% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,420 |
| Noncurrent loans to loans | 0.0477% | 3,396 |
| Net loans and leases to total assets | 75.7200% | 997 |
| Net loans and leases to deposits | 90.1568% | 1,035 |
| Net loans and leases to core deposits | 97.7913% | 1,189 |
| Total domestic deposits to total assets | 83.9900% | 3,097 |
| Equity capital to assets | 7.5293% | 3,546 |
| Core capital (leverage) ratio | 8.6560% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4699% | 2,860 |
| Memoranda: | ||
| Average total assets | $603,606,000 | 1,489 |
| Average earning assets | $565,854,500 | 1,474 |
| Average equity | $46,508,500 | 1,698 |
| Average total loans | $475,487,500 | 1,277 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 1,644 |
| Cost of funding earning assets | 0.4903% | 1,464 |
| Net interest margin | 3.5370% | 1,817 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3705% | 2,512 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.9446% | 2,793 |
| Return on assets (ROA) | 0.9446% | 2,737 |
| Pretax return on assets | 1.2305% | 2,338 |
| Return on Equity (ROE) | 12.0800% | 2,112 |
| Retained earnings to average equity (ytd only) | 12.0788% | 651 |
| Net charge-offs to loans | 0.0227% | 1,608 |
| Credit loss provision to net charge-offs | 997.8947% | 437 |
| Earnings coverage of net charge-offs (x) | 77.7158% | 1,101 |
| Efficiency ratio | 62.6744% | 2,679 |
| Assets per employee ($millions) | 6.6280% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 2,964 |
| Loan loss allowance to noncurrent loans | 1,861.1722% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,333 |
| Noncurrent loans to loans | 0.0583% | 3,338 |
| Net loans and leases to total assets | 80.3300% | 557 |
| Net loans and leases to deposits | 87.6094% | 1,200 |
| Net loans and leases to core deposits | 97.9948% | 1,101 |
| Total domestic deposits to total assets | 91.6900% | 719 |
| Equity capital to assets | 7.8973% | 3,120 |
| Core capital (leverage) ratio | 8.9345% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7350% | 2,804 |
| Memoranda: | ||
| Average total assets | $522,968,600 | 1,673 |
| Average earning assets | $488,234,800 | 1,658 |
| Average equity | $40,898,000 | 1,889 |
| Average total loans | $418,147,800 | 1,342 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 1,395 |
| Cost of funding earning assets | 0.3219% | 1,945 |
| Net interest margin | 3.6117% | 1,365 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.4070% | 2,296 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.9370% | 2,729 |
| Return on assets (ROA) | 0.9370% | 2,693 |
| Pretax return on assets | 1.2199% | 2,291 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 12.0151% | 787 |
| Net charge-offs to loans | 0.0237% | 1,354 |
| Credit loss provision to net charge-offs | 1,073.6111% | 391 |
| Earnings coverage of net charge-offs (x) | 75.4861% | 1,074 |
| Efficiency ratio | 62.8605% | 2,708 |
| Assets per employee ($millions) | 6.3416% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,074 |
| Loan loss allowance to noncurrent loans | 2,817.1429% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,602 |
| Noncurrent loans to loans | 0.0386% | 3,614 |
| Net loans and leases to total assets | 81.2100% | 427 |
| Net loans and leases to deposits | 90.5699% | 854 |
| Net loans and leases to core deposits | 101.8755% | 751 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 7.9058% | 2,956 |
| Core capital (leverage) ratio | 8.9438% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7739% | 2,877 |
| Memoranda: | ||
| Average total assets | $509,551,000 | 1,704 |
| Average earning assets | $475,884,250 | 1,692 |
| Average equity | $39,737,750 | 1,952 |
| Average total loans | $405,606,250 | 1,365 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 1,216 |
| Cost of funding earning assets | 0.2446% | 2,336 |
| Net interest margin | 3.5991% | 1,069 |
| Noninterest income to average assets | 0.4650% | 2,370 |
| Noninterest expense to average assets | 2.4335% | 2,135 |
| Loan and lease loss provision to assets | 0.1687% | 544 |
| Net operating income to assets | 0.9409% | 2,397 |
| Return on assets (ROA) | 0.9409% | 2,372 |
| Pretax return on assets | 1.2238% | 1,993 |
| Return on Equity (ROE) | 12.1266% | 1,637 |
| Retained earnings to average equity (ytd only) | 12.1266% | 588 |
| Net charge-offs to loans | 0.0180% | 1,378 |
| Credit loss provision to net charge-offs | 1,194.2857% | 362 |
| Earnings coverage of net charge-offs (x) | 98.5714% | 823 |
| Efficiency ratio | 63.6038% | 2,826 |
| Assets per employee ($millions) | 6.1547% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,256 |
| Loan loss allowance to noncurrent loans | 2,317.5879% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,609 |
| Noncurrent loans to loans | 0.0464% | 3,600 |
| Net loans and leases to total assets | 79.2166% | 462 |
| Net loans and leases to deposits | 90.3837% | 698 |
| Net loans and leases to core deposits | 95.2637% | 855 |
| Total domestic deposits to total assets | 87.6449% | 2,714 |
| Equity capital to assets | 8.2058% | 2,968 |
| Core capital (leverage) ratio | 9.3890% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8772% | 2,841 |
| Memoranda: | ||
| Average total assets | $495,494,000 | 1,737 |
| Average earning assets | $462,722,333 | 1,743 |
| Average equity | $38,444,333 | 2,062 |
| Average total loans | $389,807,333 | 1,411 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 1,042 |
| Cost of funding earning assets | 0.2114% | 2,652 |
| Net interest margin | 3.6146% | 874 |
| Noninterest income to average assets | 0.4526% | 2,385 |
| Noninterest expense to average assets | 2.4866% | 1,913 |
| Loan and lease loss provision to assets | 0.1161% | 721 |
| Net operating income to assets | 0.9337% | 2,139 |
| Return on assets (ROA) | 0.9337% | 2,132 |
| Pretax return on assets | 1.2155% | 1,752 |
| Return on Equity (ROE) | 12.4380% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.4380% | 540 |
| Net charge-offs to loans | 0.0097% | 1,400 |
| Credit loss provision to net charge-offs | 1,533.3333% | 253 |
| Earnings coverage of net charge-offs (x) | 175.8889% | 467 |
| Efficiency ratio | 65.1245% | 2,889 |
| Assets per employee ($millions) | 5.5811% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,134 |
| Loan loss allowance to noncurrent loans | 2,065.4028% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,596 |
| Noncurrent loans to loans | 0.0554% | 3,587 |
| Net loans and leases to total assets | 78.4774% | 340 |
| Net loans and leases to deposits | 84.9710% | 809 |
| Net loans and leases to core deposits | 85.7482% | 1,147 |
| Total domestic deposits to total assets | 92.3579% | 447 |
| Equity capital to assets | 7.2500% | 4,072 |
| Core capital (leverage) ratio | 7.7645% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3595% | 3,085 |
| Memoranda: | ||
| Average total assets | $475,510,000 | 1,810 |
| Average earning assets | $442,763,000 | 1,815 |
| Average equity | $35,697,000 | 2,228 |
| Average total loans | $370,317,500 | 1,460 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 1,245 |
| Cost of funding earning assets | 0.2703% | 2,700 |
| Net interest margin | 3.7810% | 1,050 |
| Noninterest income to average assets | 0.4971% | 2,580 |
| Noninterest expense to average assets | 2.6706% | 1,712 |
| Loan and lease loss provision to assets | 0.3516% | 209 |
| Net operating income to assets | 0.7165% | 3,585 |
| Return on assets (ROA) | 0.7190% | 3,635 |
| Pretax return on assets | 0.9273% | 3,431 |
| Return on Equity (ROE) | 8.6886% | 3,016 |
| Retained earnings to average equity (ytd only) | 6.7513% | 2,020 |
| Net charge-offs to loans | -0.0533% | 4,355 |
| Credit loss provision to net charge-offs | -912.5749% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6741% | 2,032 |
| Assets per employee ($millions) | 5.5417% | 3,224 |
| Cash dividends to net income (ytd only)* | 22.2971% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,103.9801% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,702 |
| Noncurrent loans to loans | 0.0559% | 3,677 |
| Net loans and leases to total assets | 75.4442% | 551 |
| Net loans and leases to deposits | 82.1428% | 1,055 |
| Net loans and leases to core deposits | 82.8612% | 1,393 |
| Total domestic deposits to total assets | 91.8452% | 225 |
| Equity capital to assets | 7.7691% | 4,481 |
| Core capital (leverage) ratio | 7.9578% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5895% | 3,075 |
| Memoranda: | ||
| Average total assets | $433,493,600 | 1,885 |
| Average earning assets | $395,447,600 | 1,922 |
| Average equity | $35,874,400 | 2,247 |
| Average total loans | $313,219,600 | 1,652 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 1,185 |
| Cost of funding earning assets | 0.2908% | 2,680 |
| Net interest margin | 3.8587% | 1,011 |
| Noninterest income to average assets | 0.4558% | 2,813 |
| Noninterest expense to average assets | 2.6798% | 1,639 |
| Loan and lease loss provision to assets | 0.2914% | 278 |
| Net operating income to assets | 0.7683% | 3,601 |
| Return on assets (ROA) | 0.7718% | 3,657 |
| Pretax return on assets | 0.9934% | 3,481 |
| Return on Equity (ROE) | 9.1703% | 3,055 |
| Retained earnings to average equity (ytd only) | 6.6676% | 2,546 |
| Net charge-offs to loans | -0.1026% | 4,619 |
| Credit loss provision to net charge-offs | -399.5690% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6669% | 1,875 |
| Assets per employee ($millions) | 5.1050% | 3,599 |
| Cash dividends to net income (ytd only)* | 27.2912% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,499 |
| Loan loss allowance to noncurrent loans | 814.3172% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,414 |
| Noncurrent loans to loans | 0.1335% | 3,441 |
| Net loans and leases to total assets | 76.6189% | 500 |
| Net loans and leases to deposits | 84.0824% | 957 |
| Net loans and leases to core deposits | 84.9650% | 1,353 |
| Total domestic deposits to total assets | 91.1236% | 329 |
| Equity capital to assets | 8.3097% | 4,338 |
| Core capital (leverage) ratio | 8.3468% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0602% | 3,086 |
| Memoranda: | ||
| Average total assets | $424,105,750 | 1,932 |
| Average earning assets | $385,164,250 | 1,970 |
| Average equity | $35,694,000 | 2,288 |
| Average total loans | $301,623,250 | 1,730 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 1,410 |
| Cost of funding earning assets | 0.3073% | 2,716 |
| Net interest margin | 3.7612% | 1,201 |
| Noninterest income to average assets | 0.4638% | 2,788 |
| Noninterest expense to average assets | 2.6674% | 1,669 |
| Loan and lease loss provision to assets | 0.2562% | 379 |
| Net operating income to assets | 0.7227% | 3,706 |
| Return on assets (ROA) | 0.7310% | 3,749 |
| Pretax return on assets | 0.9386% | 3,571 |
| Return on Equity (ROE) | 8.6477% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.4059% | 2,286 |
| Net charge-offs to loans | -0.1773% | 4,773 |
| Credit loss provision to net charge-offs | -209.7656% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2517% | 1,729 |
| Assets per employee ($millions) | 4.7525% | 3,882 |
| Cash dividends to net income (ytd only)* | 14.3603% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,499 |
| Loan loss allowance to noncurrent loans | 595.8855% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 3,379 |
| Noncurrent loans to loans | 0.1813% | 3,316 |
| Net loans and leases to total assets | 70.5361% | 1,138 |
| Net loans and leases to deposits | 77.3481% | 1,693 |
| Net loans and leases to core deposits | 78.1686% | 2,030 |
| Total domestic deposits to total assets | 91.1931% | 309 |
| Equity capital to assets | 8.3116% | 4,347 |
| Core capital (leverage) ratio | 8.4300% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6113% | 2,828 |
| Memoranda: | ||
| Average total assets | $419,131,000 | 1,941 |
| Average earning assets | $377,538,000 | 1,984 |
| Average equity | $35,431,333 | 2,293 |
| Average total loans | $288,805,333 | 1,791 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 2,031 |
| Cost of funding earning assets | 0.3289% | 2,716 |
| Net interest margin | 3.4948% | 1,839 |
| Noninterest income to average assets | 0.4471% | 2,841 |
| Noninterest expense to average assets | 2.6795% | 1,671 |
| Loan and lease loss provision to assets | 0.2007% | 604 |
| Net operating income to assets | 0.5344% | 4,108 |
| Return on assets (ROA) | 0.5344% | 4,148 |
| Pretax return on assets | 0.6789% | 4,060 |
| Return on Equity (ROE) | 6.2660% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.5602% | 3,351 |
| Net charge-offs to loans | -0.0115% | 3,723 |
| Credit loss provision to net charge-offs | -2,587.5000% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2861% | 1,200 |
| Assets per employee ($millions) | 4.3943% | 4,199 |
| Cash dividends to net income (ytd only)* | 27.2232% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 4,007 |
| Loan loss allowance to noncurrent loans | 1,058.8462% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,941 |
| Noncurrent loans to loans | 0.0901% | 3,851 |
| Net loans and leases to total assets | 67.0339% | 1,658 |
| Net loans and leases to deposits | 73.4534% | 2,163 |
| Net loans and leases to core deposits | 74.3131% | 2,485 |
| Total domestic deposits to total assets | 91.2605% | 309 |
| Equity capital to assets | 8.2372% | 4,338 |
| Core capital (leverage) ratio | 8.6218% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3161% | 2,862 |
| Memoranda: | ||
| Average total assets | $412,457,500 | 1,952 |
| Average earning assets | $367,287,500 | 2,014 |
| Average equity | $35,174,000 | 2,296 |
| Average total loans | $279,016,000 | 1,840 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,619 |
| Cost of funding earning assets | 0.5987% | 2,324 |
| Net interest margin | 3.7909% | 1,524 |
| Noninterest income to average assets | 0.4855% | 2,692 |
| Noninterest expense to average assets | 2.5942% | 2,563 |
| Loan and lease loss provision to assets | 0.2286% | 1,706 |
| Net operating income to assets | 0.8464% | 2,915 |
| Return on assets (ROA) | 0.8555% | 3,017 |
| Pretax return on assets | 1.0890% | 2,740 |
| Return on Equity (ROE) | 9.0090% | 2,389 |
| Retained earnings to average equity (ytd only) | -14.3363% | 4,944 |
| Net charge-offs to loans | 0.1797% | 934 |
| Credit loss provision to net charge-offs | 168.2327% | 2,329 |
| Earnings coverage of net charge-offs (x) | 9.6107% | 2,510 |
| Efficiency ratio | 66.5134% | 2,446 |
| Assets per employee ($millions) | 4.3810% | 4,029 |
| Cash dividends to net income (ytd only)* | 259.1329% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 4,068 |
| Loan loss allowance to noncurrent loans | 488.0769% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,635 |
| Noncurrent loans to loans | 0.1929% | 3,517 |
| Net loans and leases to total assets | 66.9758% | 1,955 |
| Net loans and leases to deposits | 74.2095% | 2,467 |
| Net loans and leases to core deposits | 75.5237% | 2,770 |
| Total domestic deposits to total assets | 90.2523% | 469 |
| Equity capital to assets | 8.8387% | 4,188 |
| Core capital (leverage) ratio | 10.1483% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1022% | 2,590 |
| Memoranda: | ||
| Average total assets | $328,922,600 | 2,140 |
| Average earning assets | $296,292,000 | 2,207 |
| Average equity | $31,235,400 | 2,416 |
| Average total loans | $248,799,200 | 1,926 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,776 |
| Cost of funding earning assets | 0.6620% | 2,254 |
| Net interest margin | 3.7654% | 1,722 |
| Noninterest income to average assets | 0.4845% | 2,677 |
| Noninterest expense to average assets | 2.6222% | 2,473 |
| Loan and lease loss provision to assets | 0.1929% | 2,050 |
| Net operating income to assets | 0.8715% | 2,814 |
| Return on assets (ROA) | 0.8843% | 2,883 |
| Pretax return on assets | 1.1330% | 2,627 |
| Return on Equity (ROE) | 9.1106% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.2819% | 2,907 |
| Net charge-offs to loans | 0.0219% | 2,415 |
| Credit loss provision to net charge-offs | 1,127.5000% | 771 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 948 |
| Efficiency ratio | 66.6884% | 2,371 |
| Assets per employee ($millions) | 4.7127% | 3,582 |
| Cash dividends to net income (ytd only)* | 53.0010% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,711 |
| Loan loss allowance to noncurrent loans | 187.9176% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,464 |
| Noncurrent loans to loans | 0.5315% | 2,472 |
| Net loans and leases to total assets | 79.4380% | 664 |
| Net loans and leases to deposits | 88.6511% | 1,412 |
| Net loans and leases to core deposits | 90.6443% | 1,919 |
| Total domestic deposits to total assets | 89.6074% | 548 |
| Equity capital to assets | 9.3513% | 3,819 |
| Core capital (leverage) ratio | 9.3534% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6754% | 2,733 |
| Memoranda: | ||
| Average total assets | $311,486,250 | 2,212 |
| Average earning assets | $285,188,250 | 2,240 |
| Average equity | $30,235,000 | 2,459 |
| Average total loans | $243,611,750 | 1,957 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,939 |
| Cost of funding earning assets | 0.6967% | 2,403 |
| Net interest margin | 3.7943% | 1,851 |
| Noninterest income to average assets | 0.4814% | 2,647 |
| Noninterest expense to average assets | 2.6114% | 2,630 |
| Loan and lease loss provision to assets | 0.0982% | 3,050 |
| Net operating income to assets | 0.9464% | 2,509 |
| Return on assets (ROA) | 0.9661% | 2,568 |
| Pretax return on assets | 1.2602% | 2,149 |
| Return on Equity (ROE) | 9.8234% | 2,040 |
| Retained earnings to average equity (ytd only) | 7.6989% | 1,402 |
| Net charge-offs to loans | 0.0211% | 2,297 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 81.4400% | 796 |
| Efficiency ratio | 66.1962% | 2,490 |
| Assets per employee ($millions) | 5.1499% | 2,995 |
| Cash dividends to net income (ytd only)* | 21.6271% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 3,943 |
| Loan loss allowance to noncurrent loans | 153.1514% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,449 |
| Noncurrent loans to loans | 0.5965% | 2,363 |
| Net loans and leases to total assets | 77.5649% | 909 |
| Net loans and leases to deposits | 86.6319% | 1,701 |
| Net loans and leases to core deposits | 89.0038% | 2,158 |
| Total domestic deposits to total assets | 89.5338% | 555 |
| Equity capital to assets | 9.4100% | 3,735 |
| Core capital (leverage) ratio | 9.6572% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7928% | 2,695 |
| Memoranda: | ||
| Average total assets | $305,351,667 | 2,219 |
| Average earning assets | $278,731,667 | 2,261 |
| Average equity | $30,030,333 | 2,461 |
| Average total loans | $236,581,667 | 1,974 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,825 |
| Cost of funding earning assets | 0.7592% | 2,612 |
| Net interest margin | 3.8982% | 1,679 |
| Noninterest income to average assets | 0.5075% | 2,512 |
| Noninterest expense to average assets | 2.7569% | 2,557 |
| Loan and lease loss provision to assets | 0.0955% | 2,491 |
| Net operating income to assets | 0.9208% | 2,454 |
| Return on assets (ROA) | 0.9617% | 2,414 |
| Pretax return on assets | 1.2509% | 2,033 |
| Return on Equity (ROE) | 9.5470% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.4209% | 1,404 |
| Net charge-offs to loans | 0.0567% | 1,442 |
| Credit loss provision to net charge-offs | 218.7500% | 1,368 |
| Earnings coverage of net charge-offs (x) | 29.6563% | 1,189 |
| Efficiency ratio | 68.0471% | 2,658 |
| Assets per employee ($millions) | 4.7268% | 2,961 |
| Cash dividends to net income (ytd only)* | 22.2695% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,766 |
| Loan loss allowance to noncurrent loans | 174.4240% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 2,713 |
| Noncurrent loans to loans | 0.5671% | 2,581 |
| Net loans and leases to total assets | 76.3337% | 1,245 |
| Net loans and leases to deposits | 85.9581% | 2,004 |
| Net loans and leases to core deposits | 88.5871% | 2,476 |
| Total domestic deposits to total assets | 88.8034% | 754 |
| Equity capital to assets | 10.1791% | 3,624 |
| Core capital (leverage) ratio | 10.3697% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3924% | 2,115 |
| Memoranda: | ||
| Average total assets | $293,230,000 | 2,248 |
| Average earning assets | $266,583,500 | 2,279 |
| Average equity | $29,538,000 | 2,489 |
| Average total loans | $225,869,000 | 2,015 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,021 |
| Cost of funding earning assets | 0.8488% | 2,437 |
| Net interest margin | 3.9595% | 1,974 |
| Noninterest income to average assets | 0.5504% | 2,478 |
| Noninterest expense to average assets | 2.7971% | 2,609 |
| Loan and lease loss provision to assets | 0.1830% | 1,127 |
| Net operating income to assets | 0.9208% | 3,121 |
| Return on assets (ROA) | 0.9440% | 3,128 |
| Pretax return on assets | 1.2071% | 2,817 |
| Return on Equity (ROE) | 10.6250% | 2,040 |
| Retained earnings to average equity (ytd only) | 7.2397% | 1,283 |
| Net charge-offs to loans | 0.0291% | 2,816 |
| Credit loss provision to net charge-offs | 801.5873% | 410 |
| Earnings coverage of net charge-offs (x) | 59.6032% | 986 |
| Efficiency ratio | 67.2738% | 2,566 |
| Assets per employee ($millions) | 4.5105% | 3,201 |
| Cash dividends to net income (ytd only)* | 31.8618% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,472 |
| Loan loss allowance to noncurrent loans | 132.6797% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 2,148 |
| Noncurrent loans to loans | 0.7576% | 1,998 |
| Net loans and leases to total assets | 76.1839% | 1,380 |
| Net loans and leases to deposits | 85.1217% | 2,194 |
| Net loans and leases to core deposits | 87.5246% | 2,650 |
| Total domestic deposits to total assets | 89.4999% | 490 |
| Equity capital to assets | 9.9642% | 3,955 |
| Core capital (leverage) ratio | 10.4989% | 2,954 |
| Tier 1 risk-based capital ratio | 12.5510% | 4,041 |
| Total risk-based capital ratio | 13.5276% | 4,070 |
| Memoranda: | ||
| Average total assets | $275,962,000 | 2,300 |
| Average earning assets | $251,423,600 | 2,328 |
| Average equity | $24,517,600 | 2,748 |
| Average total loans | $216,673,000 | 2,047 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 2,030 |
| Cost of funding earning assets | 0.8743% | 2,347 |
| Net interest margin | 3.9554% | 2,089 |
| Noninterest income to average assets | 0.5357% | 2,534 |
| Noninterest expense to average assets | 2.8437% | 2,426 |
| Loan and lease loss provision to assets | 0.1882% | 956 |
| Net operating income to assets | 0.8734% | 3,437 |
| Return on assets (ROA) | 0.9047% | 3,402 |
| Pretax return on assets | 1.1520% | 3,127 |
| Return on Equity (ROE) | 10.5216% | 2,201 |
| Retained earnings to average equity (ytd only) | 6.6051% | 2,055 |
| Net charge-offs to loans | -0.0068% | 4,282 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6166% | 2,318 |
| Assets per employee ($millions) | 4.1731% | 3,660 |
| Cash dividends to net income (ytd only)* | 37.2229% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,606 |
| Loan loss allowance to noncurrent loans | 102.3876% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 1,752 |
| Noncurrent loans to loans | 0.9692% | 1,653 |
| Net loans and leases to total assets | 80.4404% | 788 |
| Net loans and leases to deposits | 88.9634% | 1,820 |
| Net loans and leases to core deposits | 92.0670% | 2,360 |
| Total domestic deposits to total assets | 90.4196% | 187 |
| Equity capital to assets | 8.8832% | 4,834 |
| Core capital (leverage) ratio | 8.8537% | 4,746 |
| Tier 1 risk-based capital ratio | 10.8488% | 4,969 |
| Total risk-based capital ratio | 11.8357% | 4,978 |
| Memoranda: | ||
| Average total assets | $272,784,000 | 2,328 |
| Average earning assets | $248,869,500 | 2,361 |
| Average equity | $23,456,000 | 2,854 |
| Average total loans | $215,302,250 | 2,072 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 2,127 |
| Cost of funding earning assets | 0.8784% | 2,258 |
| Net interest margin | 3.9012% | 2,241 |
| Noninterest income to average assets | 0.5291% | 2,512 |
| Noninterest expense to average assets | 2.8394% | 2,443 |
| Loan and lease loss provision to assets | 0.1537% | 1,186 |
| Net operating income to assets | 0.8570% | 3,447 |
| Return on assets (ROA) | 0.9038% | 3,332 |
| Pretax return on assets | 1.1541% | 3,068 |
| Return on Equity (ROE) | 10.6270% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.9767% | 1,407 |
| Net charge-offs to loans | 0.0140% | 2,637 |
| Credit loss provision to net charge-offs | 1,400.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 113.7333% | 631 |
| Efficiency ratio | 69.4594% | 2,310 |
| Assets per employee ($millions) | 4.1451% | 3,656 |
| Cash dividends to net income (ytd only)* | 24.9393% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,011 |
| Loan loss allowance to noncurrent loans | 78.9348% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 1,511 |
| Noncurrent loans to loans | 1.1648% | 1,389 |
| Net loans and leases to total assets | 78.2275% | 1,179 |
| Net loans and leases to deposits | 86.2567% | 2,226 |
| Net loans and leases to core deposits | 89.3728% | 2,649 |
| Total domestic deposits to total assets | 90.6915% | 157 |
| Equity capital to assets | 8.7170% | 4,945 |
| Core capital (leverage) ratio | 8.7192% | 4,826 |
| Tier 1 risk-based capital ratio | 10.9211% | 4,950 |
| Total risk-based capital ratio | 11.8321% | 4,988 |
| Memoranda: | ||
| Average total assets | $273,294,330 | 2,339 |
| Average earning assets | $249,307,330 | 2,366 |
| Average equity | $23,242,670 | 2,859 |
| Average total loans | $213,608,330 | 2,089 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,297 |
| Cost of funding earning assets | 0.8819% | 2,083 |
| Net interest margin | 3.7977% | 2,532 |
| Noninterest income to average assets | 0.4627% | 2,784 |
| Noninterest expense to average assets | 2.8307% | 2,469 |
| Loan and lease loss provision to assets | 0.1538% | 1,088 |
| Net operating income to assets | 0.7486% | 3,773 |
| Return on assets (ROA) | 0.7732% | 3,753 |
| Pretax return on assets | 0.9709% | 3,540 |
| Return on Equity (ROE) | 9.2066% | 2,708 |
| Retained earnings to average equity (ytd only) | 6.0854% | 2,424 |
| Net charge-offs to loans | 0.0226% | 1,993 |
| Credit loss provision to net charge-offs | 875.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 899 |
| Efficiency ratio | 72.1269% | 2,024 |
| Assets per employee ($millions) | 4.0898% | 3,795 |
| Cash dividends to net income (ytd only)* | 33.9015% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,255 |
| Loan loss allowance to noncurrent loans | 70.3773% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 1,432 |
| Noncurrent loans to loans | 1.2455% | 1,321 |
| Net loans and leases to total assets | 77.7531% | 1,199 |
| Net loans and leases to deposits | 85.4113% | 2,195 |
| Net loans and leases to core deposits | 87.5725% | 2,732 |
| Total domestic deposits to total assets | 91.0337% | 165 |
| Equity capital to assets | 8.4725% | 5,002 |
| Core capital (leverage) ratio | 8.5235% | 4,995 |
| Tier 1 risk-based capital ratio | 10.6887% | 5,118 |
| Total risk-based capital ratio | 11.5556% | 5,159 |
| Memoranda: | ||
| Average total assets | $273,152,000 | 2,358 |
| Average earning assets | $248,994,000 | 2,389 |
| Average equity | $22,940,000 | 2,888 |
| Average total loans | $212,412,500 | 2,116 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 2,658 |
| Cost of funding earning assets | 0.6887% | 2,154 |
| Net interest margin | 3.7440% | 2,881 |
| Noninterest income to average assets | 0.5192% | 2,721 |
| Noninterest expense to average assets | 2.8722% | 2,448 |
| Loan and lease loss provision to assets | 0.1282% | 1,714 |
| Net operating income to assets | 0.7274% | 4,048 |
| Return on assets (ROA) | 0.7274% | 4,054 |
| Pretax return on assets | 0.9035% | 3,889 |
| Return on Equity (ROE) | 8.7722% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.3479% | 2,562 |
| Net charge-offs to loans | 0.0712% | 2,099 |
| Credit loss provision to net charge-offs | 237.7622% | 1,243 |
| Earnings coverage of net charge-offs (x) | 19.1329% | 2,086 |
| Efficiency ratio | 73.5729% | 1,693 |
| Assets per employee ($millions) | 4.0640% | 3,804 |
| Cash dividends to net income (ytd only)* | 39.0358% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 4,349 |
| Loan loss allowance to noncurrent loans | 71.5256% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 1,497 |
| Noncurrent loans to loans | 1.1930% | 1,343 |
| Net loans and leases to total assets | 76.4242% | 1,533 |
| Net loans and leases to deposits | 83.9089% | 2,519 |
| Net loans and leases to core deposits | 86.0479% | 2,911 |
| Total domestic deposits to total assets | 91.0800% | 184 |
| Equity capital to assets | 8.3235% | 5,032 |
| Core capital (leverage) ratio | 8.4538% | 5,050 |
| Tier 1 risk-based capital ratio | 10.7640% | 5,084 |
| Total risk-based capital ratio | 11.6066% | 5,136 |
| Memoranda: | ||
| Average total assets | $265,197,000 | 2,370 |
| Average earning assets | $239,741,200 | 2,410 |
| Average equity | $21,990,000 | 2,896 |
| Average total loans | $200,922,000 | 2,168 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 2,782 |
| Cost of funding earning assets | 0.6304% | 2,269 |
| Net interest margin | 3.7231% | 2,926 |
| Noninterest income to average assets | 0.5335% | 2,657 |
| Noninterest expense to average assets | 2.8815% | 2,365 |
| Loan and lease loss provision to assets | 0.1265% | 1,588 |
| Net operating income to assets | 0.7111% | 4,188 |
| Return on assets (ROA) | 0.7111% | 4,197 |
| Pretax return on assets | 0.8822% | 4,081 |
| Return on Equity (ROE) | 8.5846% | 3,297 |
| Retained earnings to average equity (ytd only) | 4.2037% | 3,671 |
| Net charge-offs to loans | 0.0866% | 1,639 |
| Credit loss provision to net charge-offs | 193.7984% | 1,419 |
| Earnings coverage of net charge-offs (x) | 15.4492% | 2,225 |
| Efficiency ratio | 74.0697% | 1,583 |
| Assets per employee ($millions) | 4.0006% | 3,882 |
| Cash dividends to net income (ytd only)* | 51.0321% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 4,497 |
| Loan loss allowance to noncurrent loans | 63.0747% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 1,426 |
| Noncurrent loans to loans | 1.3294% | 1,256 |
| Net loans and leases to total assets | 75.6660% | 1,709 |
| Net loans and leases to deposits | 87.3225% | 2,231 |
| Net loans and leases to core deposits | 89.8577% | 2,673 |
| Total domestic deposits to total assets | 86.6513% | 1,892 |
| Equity capital to assets | 8.1946% | 5,091 |
| Core capital (leverage) ratio | 8.4350% | 5,125 |
| Tier 1 risk-based capital ratio | 10.6949% | 5,174 |
| Total risk-based capital ratio | 11.5140% | 5,239 |
| Memoranda: | ||
| Average total assets | $263,424,250 | 2,392 |
| Average earning assets | $237,505,000 | 2,443 |
| Average equity | $21,821,500 | 2,927 |
| Average total loans | $198,681,250 | 2,194 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,796 |
| Cost of funding earning assets | 0.5804% | 2,359 |
| Net interest margin | 3.7103% | 2,884 |
| Noninterest income to average assets | 0.5430% | 2,609 |
| Noninterest expense to average assets | 2.8715% | 2,431 |
| Loan and lease loss provision to assets | 0.1222% | 1,613 |
| Net operating income to assets | 0.7163% | 4,154 |
| Return on assets (ROA) | 0.7163% | 4,159 |
| Pretax return on assets | 0.8935% | 3,984 |
| Return on Equity (ROE) | 8.6159% | 3,206 |
| Retained earnings to average equity (ytd only) | 6.2920% | 2,423 |
| Net charge-offs to loans | 0.1098% | 1,276 |
| Credit loss provision to net charge-offs | 148.1481% | 1,589 |
| Earnings coverage of net charge-offs (x) | 12.3148% | 2,214 |
| Efficiency ratio | 73.8703% | 1,724 |
| Assets per employee ($millions) | 3.9619% | 3,967 |
| Cash dividends to net income (ytd only)* | 26.9723% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 4,623 |
| Loan loss allowance to noncurrent loans | 131.0510% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 2,861 |
| Noncurrent loans to loans | 0.6295% | 2,535 |
| Net loans and leases to total assets | 74.5491% | 1,858 |
| Net loans and leases to deposits | 83.3548% | 2,605 |
| Net loans and leases to core deposits | 85.7366% | 2,946 |
| Total domestic deposits to total assets | 89.4358% | 763 |
| Equity capital to assets | 8.3117% | 5,070 |
| Core capital (leverage) ratio | 8.5883% | 5,054 |
| Tier 1 risk-based capital ratio | 11.0180% | 5,047 |
| Total risk-based capital ratio | 11.8280% | 5,137 |
| Memoranda: | ||
| Average total assets | $261,885,330 | 2,405 |
| Average earning assets | $236,043,000 | 2,464 |
| Average equity | $21,773,670 | 2,941 |
| Average total loans | $196,731,330 | 2,216 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,719 |
| Cost of funding earning assets | 0.5722% | 2,242 |
| Net interest margin | 3.6749% | 2,908 |
| Noninterest income to average assets | 0.5290% | 2,636 |
| Noninterest expense to average assets | 2.8558% | 2,512 |
| Loan and lease loss provision to assets | 0.1076% | 1,733 |
| Net operating income to assets | 0.7074% | 4,072 |
| Return on assets (ROA) | 0.7074% | 4,080 |
| Pretax return on assets | 0.8843% | 3,897 |
| Return on Equity (ROE) | 8.5071% | 3,149 |
| Retained earnings to average equity (ytd only) | 6.1769% | 2,633 |
| Net charge-offs to loans | 0.2007% | 734 |
| Credit loss provision to net charge-offs | 71.4286% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.5816% | 2,151 |
| Efficiency ratio | 74.2206% | 1,869 |
| Assets per employee ($millions) | 3.9819% | 4,009 |
| Cash dividends to net income (ytd only)* | 27.3913% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,774 |
| Loan loss allowance to noncurrent loans | 159.7959% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,333 |
| Noncurrent loans to loans | 0.5051% | 3,002 |
| Net loans and leases to total assets | 73.2355% | 1,993 |
| Net loans and leases to deposits | 80.2292% | 2,785 |
| Net loans and leases to core deposits | 84.1609% | 2,965 |
| Total domestic deposits to total assets | 91.2828% | 230 |
| Equity capital to assets | 8.2564% | 5,136 |
| Core capital (leverage) ratio | 8.4316% | 5,183 |
| Tier 1 risk-based capital ratio | 11.1196% | 5,073 |
| Total risk-based capital ratio | 11.9098% | 5,200 |
| Memoranda: | ||
| Average total assets | $260,106,000 | 2,445 |
| Average earning assets | $234,889,500 | 2,492 |
| Average equity | $21,629,000 | 2,986 |
| Average total loans | $195,331,000 | 2,231 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 2,681 |
| Cost of funding earning assets | 0.4197% | 3,054 |
| Net interest margin | 3.7833% | 2,486 |
| Noninterest income to average assets | 0.5283% | 2,831 |
| Noninterest expense to average assets | 2.9495% | 2,290 |
| Loan and lease loss provision to assets | 0.0751% | 2,699 |
| Net operating income to assets | 0.6623% | 3,769 |
| Return on assets (ROA) | 0.7201% | 3,562 |
| Pretax return on assets | 1.0332% | 3,445 |
| Return on Equity (ROE) | 8.1917% | 2,705 |
| Retained earnings to average equity (ytd only) | 4.8240% | 2,239 |
| Net charge-offs to loans | 0.0241% | 3,327 |
| Credit loss provision to net charge-offs | 409.0909% | 743 |
| Earnings coverage of net charge-offs (x) | 55.9091% | 1,004 |
| Efficiency ratio | 74.1976% | 1,869 |
| Assets per employee ($millions) | 3.9601% | 4,032 |
| Cash dividends to net income (ytd only)* | 41.1118% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 4,794 |
| Loan loss allowance to noncurrent loans | 152.2445% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 3,231 |
| Noncurrent loans to loans | 0.5325% | 2,905 |
| Net loans and leases to total assets | 75.7693% | 1,639 |
| Net loans and leases to deposits | 83.2510% | 2,574 |
| Net loans and leases to core deposits | 86.3787% | 2,885 |
| Total domestic deposits to total assets | 91.0131% | 238 |
| Equity capital to assets | 8.3758% | 5,210 |
| Core capital (leverage) ratio | 8.8646% | 4,799 |
| Tier 1 risk-based capital ratio | 10.8244% | 5,249 |
| Total risk-based capital ratio | 11.6195% | 5,334 |
| Memoranda: | ||
| Average total assets | $239,839,800 | 2,567 |
| Average earning assets | $218,510,200 | 2,594 |
| Average equity | $21,082,200 | 3,029 |
| Average total loans | $182,827,800 | 2,296 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 2,603 |
| Cost of funding earning assets | 0.4042% | 3,145 |
| Net interest margin | 3.8004% | 2,401 |
| Noninterest income to average assets | 0.5351% | 2,801 |
| Noninterest expense to average assets | 3.0449% | 1,976 |
| Loan and lease loss provision to assets | 0.0765% | 2,547 |
| Net operating income to assets | 0.6251% | 4,296 |
| Return on assets (ROA) | 0.6982% | 4,060 |
| Pretax return on assets | 0.9882% | 3,731 |
| Return on Equity (ROE) | 7.8423% | 3,210 |
| Retained earnings to average equity (ytd only) | 4.1278% | 3,454 |
| Net charge-offs to loans | -0.0505% | 5,163 |
| Credit loss provision to net charge-offs | -198.5294% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,590 |
| Assets per employee ($millions) | 3.5784% | 4,608 |
| Cash dividends to net income (ytd only)* | 47.3643% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,580 |
| Loan loss allowance to noncurrent loans | 144.3093% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 3,105 |
| Noncurrent loans to loans | 0.6220% | 2,846 |
| Net loans and leases to total assets | 77.6545% | 1,323 |
| Net loans and leases to deposits | 87.6111% | 2,113 |
| Net loans and leases to core deposits | 89.9747% | 2,613 |
| Total domestic deposits to total assets | 88.6354% | 1,052 |
| Equity capital to assets | 9.0396% | 4,881 |
| Core capital (leverage) ratio | 8.9992% | 4,740 |
| Tier 1 risk-based capital ratio | 11.5443% | 4,934 |
| Total risk-based capital ratio | 12.4430% | 5,034 |
| Memoranda: | ||
| Average total assets | $235,447,500 | 2,624 |
| Average earning assets | $215,061,500 | 2,640 |
| Average equity | $20,962,750 | 3,066 |
| Average total loans | $179,377,000 | 2,347 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 2,697 |
| Cost of funding earning assets | 0.3826% | 3,265 |
| Net interest margin | 3.7609% | 2,436 |
| Noninterest income to average assets | 0.5255% | 2,856 |
| Noninterest expense to average assets | 3.0773% | 1,891 |
| Loan and lease loss provision to assets | 0.0765% | 2,450 |
| Net operating income to assets | 0.5851% | 4,369 |
| Return on assets (ROA) | 0.5918% | 4,393 |
| Pretax return on assets | 0.8163% | 4,212 |
| Return on Equity (ROE) | 6.6764% | 3,734 |
| Retained earnings to average equity (ytd only) | 4.1919% | 3,215 |
| Net charge-offs to loans | -0.0248% | 4,861 |
| Credit loss provision to net charge-offs | -409.0909% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6943% | 1,509 |
| Assets per employee ($millions) | 3.8349% | 4,223 |
| Cash dividends to net income (ytd only)* | 37.2126% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,768 |
| Loan loss allowance to noncurrent loans | 124.8013% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 3,004 |
| Noncurrent loans to loans | 0.6934% | 2,678 |
| Net loans and leases to total assets | 75.6396% | 1,590 |
| Net loans and leases to deposits | 84.6276% | 2,386 |
| Net loans and leases to core deposits | 86.8824% | 2,803 |
| Total domestic deposits to total assets | 89.3793% | 772 |
| Equity capital to assets | 8.9366% | 4,956 |
| Core capital (leverage) ratio | 8.9499% | 4,777 |
| Tier 1 risk-based capital ratio | 11.7266% | 4,822 |
| Total risk-based capital ratio | 12.5965% | 4,945 |
| Memoranda: | ||
| Average total assets | $235,205,670 | 2,638 |
| Average earning assets | $214,839,670 | 2,656 |
| Average equity | $20,849,670 | 3,076 |
| Average total loans | $177,482,670 | 2,363 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,572 |
| Cost of funding earning assets | 0.3741% | 3,260 |
| Net interest margin | 3.7489% | 2,318 |
| Noninterest income to average assets | 0.5301% | 2,763 |
| Noninterest expense to average assets | 3.0420% | 2,044 |
| Loan and lease loss provision to assets | 0.0769% | 2,274 |
| Net operating income to assets | 0.5851% | 4,216 |
| Return on assets (ROA) | 0.5985% | 4,219 |
| Pretax return on assets | 0.8396% | 3,977 |
| Return on Equity (ROE) | 6.7795% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.1839% | 3,366 |
| Net charge-offs to loans | -0.0661% | 5,300 |
| Credit loss provision to net charge-offs | -155.1724% | 4,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2135% | 1,731 |
| Assets per employee ($millions) | 3.6847% | 4,525 |
| Cash dividends to net income (ytd only)* | 38.2857% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,867 |
| Loan loss allowance to noncurrent loans | 129.8305% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 3,213 |
| Noncurrent loans to loans | 0.6697% | 2,838 |
| Net loans and leases to total assets | 74.0690% | 1,722 |
| Net loans and leases to deposits | 81.7765% | 2,539 |
| Net loans and leases to core deposits | 83.8211% | 2,918 |
| Total domestic deposits to total assets | 90.5749% | 446 |
| Equity capital to assets | 8.8259% | 4,977 |
| Core capital (leverage) ratio | 8.9299% | 4,817 |
| Tier 1 risk-based capital ratio | 11.9315% | 4,763 |
| Total risk-based capital ratio | 12.8043% | 4,897 |
| Memoranda: | ||
| Average total assets | $233,927,000 | 2,673 |
| Average earning assets | $212,755,500 | 2,703 |
| Average equity | $20,650,500 | 3,106 |
| Average total loans | $175,517,500 | 2,400 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 2,423 |
| Cost of funding earning assets | 0.3690% | 3,324 |
| Net interest margin | 3.8503% | 2,136 |
| Noninterest income to average assets | 0.4932% | 3,283 |
| Noninterest expense to average assets | 3.1594% | 1,875 |
| Loan and lease loss provision to assets | 0.0795% | 2,773 |
| Net operating income to assets | 0.5323% | 4,505 |
| Return on assets (ROA) | 0.6243% | 4,225 |
| Pretax return on assets | 0.9073% | 3,829 |
| Return on Equity (ROE) | 6.8892% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.1474% | 3,668 |
| Net charge-offs to loans | 0.2004% | 1,385 |
| Credit loss provision to net charge-offs | 51.1364% | 3,363 |
| Earnings coverage of net charge-offs (x) | 5.4915% | 3,332 |
| Efficiency ratio | 78.7325% | 1,586 |
| Assets per employee ($millions) | 3.4632% | 4,815 |
| Cash dividends to net income (ytd only)* | 54.3140% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 5,004 |
| Loan loss allowance to noncurrent loans | 136.6448% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 3,419 |
| Noncurrent loans to loans | 0.6103% | 3,019 |
| Net loans and leases to total assets | 74.7199% | 1,741 |
| Net loans and leases to deposits | 82.1992% | 2,647 |
| Net loans and leases to core deposits | 84.2037% | 3,004 |
| Total domestic deposits to total assets | 90.9010% | 308 |
| Equity capital to assets | 8.8297% | 4,983 |
| Core capital (leverage) ratio | 9.1326% | 4,580 |
| Tier 1 risk-based capital ratio | 12.3706% | 4,463 |
| Total risk-based capital ratio | 13.2407% | 4,616 |
| Memoranda: | ||
| Average total assets | $226,502,000 | 2,694 |
| Average earning assets | $207,051,000 | 2,720 |
| Average equity | $20,525,000 | 3,116 |
| Average total loans | $175,658,400 | 2,353 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,362 |
| Cost of funding earning assets | 0.3720% | 3,312 |
| Net interest margin | 3.8722% | 2,078 |
| Noninterest income to average assets | 0.4934% | 3,300 |
| Noninterest expense to average assets | 3.1982% | 1,776 |
| Loan and lease loss provision to assets | 0.0800% | 2,607 |
| Net operating income to assets | 0.5204% | 4,617 |
| Return on assets (ROA) | 0.6438% | 4,234 |
| Pretax return on assets | 0.9387% | 3,851 |
| Return on Equity (ROE) | 7.0580% | 3,533 |
| Retained earnings to average equity (ytd only) | 3.2530% | 3,961 |
| Net charge-offs to loans | 0.2290% | 1,028 |
| Credit loss provision to net charge-offs | 44.7020% | 3,101 |
| Earnings coverage of net charge-offs (x) | 4.6953% | 3,237 |
| Efficiency ratio | 79.2021% | 1,532 |
| Assets per employee ($millions) | 3.3351% | 5,002 |
| Cash dividends to net income (ytd only)* | 53.9095% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 5,159 |
| Loan loss allowance to noncurrent loans | 152.3958% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 3,732 |
| Noncurrent loans to loans | 0.5323% | 3,400 |
| Net loans and leases to total assets | 78.8767% | 1,058 |
| Net loans and leases to deposits | 89.3111% | 1,841 |
| Net loans and leases to core deposits | 91.7640% | 2,410 |
| Total domestic deposits to total assets | 88.3168% | 1,226 |
| Equity capital to assets | 9.1011% | 5,073 |
| Core capital (leverage) ratio | 9.1609% | 4,647 |
| Tier 1 risk-based capital ratio | 12.0567% | 4,758 |
| Total risk-based capital ratio | 12.9136% | 4,904 |
| Memoranda: | ||
| Average total assets | $225,118,500 | 2,720 |
| Average earning assets | $206,077,250 | 2,738 |
| Average equity | $20,534,250 | 3,142 |
| Average total loans | $175,864,250 | 2,354 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,443 |
| Cost of funding earning assets | 0.3752% | 3,299 |
| Net interest margin | 3.8445% | 2,156 |
| Noninterest income to average assets | 0.4970% | 3,215 |
| Noninterest expense to average assets | 3.2196% | 1,764 |
| Loan and lease loss provision to assets | 0.0802% | 2,539 |
| Net operating income to assets | 0.4931% | 4,706 |
| Return on assets (ROA) | 0.6760% | 4,061 |
| Pretax return on assets | 0.9886% | 3,627 |
| Return on Equity (ROE) | 7.4052% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.4052% | 1,429 |
| Net charge-offs to loans | 0.0218% | 3,058 |
| Credit loss provision to net charge-offs | 473.6842% | 686 |
| Earnings coverage of net charge-offs (x) | 47.2632% | 1,030 |
| Efficiency ratio | 80.1019% | 1,483 |
| Assets per employee ($millions) | 3.3075% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 4,712 |
| Loan loss allowance to noncurrent loans | 136.8463% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 3,367 |
| Noncurrent loans to loans | 0.7032% | 2,967 |
| Net loans and leases to total assets | 77.8368% | 1,225 |
| Net loans and leases to deposits | 86.0649% | 2,249 |
| Net loans and leases to core deposits | 88.4755% | 2,681 |
| Total domestic deposits to total assets | 90.4397% | 334 |
| Equity capital to assets | 9.2846% | 4,989 |
| Core capital (leverage) ratio | 9.2867% | 4,474 |
| Tier 1 risk-based capital ratio | 12.4476% | 4,557 |
| Total risk-based capital ratio | 13.4674% | 4,615 |
| Memoranda: | ||
| Average total assets | $224,562,330 | 2,737 |
| Average earning assets | $205,747,670 | 2,753 |
| Average equity | $20,499,000 | 3,143 |
| Average total loans | $174,370,670 | 2,371 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 2,533 |
| Cost of funding earning assets | 0.3859% | 3,232 |
| Net interest margin | 3.7982% | 2,292 |
| Noninterest income to average assets | 0.4867% | 3,218 |
| Noninterest expense to average assets | 3.2444% | 1,729 |
| Loan and lease loss provision to assets | 0.0802% | 2,356 |
| Net operating income to assets | 0.4367% | 4,874 |
| Return on assets (ROA) | 0.6827% | 3,918 |
| Pretax return on assets | 0.9929% | 3,509 |
| Return on Equity (ROE) | 7.5440% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.5440% | 1,648 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9082% | 1,376 |
| Assets per employee ($millions) | 3.2577% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,790 |
| Loan loss allowance to noncurrent loans | 148.2301% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,593 |
| Noncurrent loans to loans | 0.6497% | 3,225 |
| Net loans and leases to total assets | 76.6289% | 1,303 |
| Net loans and leases to deposits | 84.5381% | 2,247 |
| Net loans and leases to core deposits | 86.4677% | 2,707 |
| Total domestic deposits to total assets | 90.6443% | 381 |
| Equity capital to assets | 9.1226% | 5,064 |
| Core capital (leverage) ratio | 9.0976% | 4,736 |
| Tier 1 risk-based capital ratio | 12.3642% | 4,682 |
| Total risk-based capital ratio | 13.3761% | 4,735 |
| Memoranda: | ||
| Average total assets | $224,389,000 | 2,744 |
| Average earning assets | $205,253,500 | 2,767 |
| Average equity | $20,307,500 | 3,166 |
| Average total loans | $173,174,500 | 2,379 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,186 |
| Cost of funding earning assets | 0.4087% | 3,061 |
| Net interest margin | 3.9037% | 2,016 |
| Noninterest income to average assets | 0.4969% | 3,353 |
| Noninterest expense to average assets | 3.2707% | 1,789 |
| Loan and lease loss provision to assets | 0.0828% | 2,643 |
| Net operating income to assets | 0.5017% | 4,689 |
| Return on assets (ROA) | 0.5677% | 4,520 |
| Pretax return on assets | 0.7697% | 4,302 |
| Return on Equity (ROE) | 6.3085% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.8362% | 2,537 |
| Net charge-offs to loans | 0.0205% | 3,853 |
| Credit loss provision to net charge-offs | 545.4545% | 604 |
| Earnings coverage of net charge-offs (x) | 50.2727% | 1,000 |
| Efficiency ratio | 81.0789% | 1,523 |
| Assets per employee ($millions) | 3.2463% | 5,233 |
| Cash dividends to net income (ytd only)* | 23.3387% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,892 |
| Loan loss allowance to noncurrent loans | 157.4879% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 3,757 |
| Noncurrent loans to loans | 0.6003% | 3,370 |
| Net loans and leases to total assets | 76.2496% | 1,374 |
| Net loans and leases to deposits | 84.0523% | 2,355 |
| Net loans and leases to core deposits | 85.9870% | 2,798 |
| Total domestic deposits to total assets | 90.7168% | 369 |
| Equity capital to assets | 8.9774% | 5,147 |
| Core capital (leverage) ratio | 9.1463% | 4,691 |
| Tier 1 risk-based capital ratio | 12.1703% | 4,846 |
| Total risk-based capital ratio | 13.1580% | 4,916 |
| Memoranda: | ||
| Average total assets | $217,354,400 | 2,769 |
| Average earning assets | $196,943,200 | 2,812 |
| Average equity | $19,561,000 | 3,216 |
| Average total loans | $161,203,000 | 2,451 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 2,347 |
| Cost of funding earning assets | 0.4179% | 3,028 |
| Net interest margin | 3.8475% | 2,202 |
| Noninterest income to average assets | 0.5106% | 3,295 |
| Noninterest expense to average assets | 3.2725% | 1,773 |
| Loan and lease loss provision to assets | 0.0835% | 2,504 |
| Net operating income to assets | 0.4713% | 4,892 |
| Return on assets (ROA) | 0.5600% | 4,647 |
| Pretax return on assets | 0.7572% | 4,468 |
| Return on Equity (ROE) | 6.2190% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.2190% | 2,107 |
| Net charge-offs to loans | 0.0177% | 3,594 |
| Credit loss provision to net charge-offs | 642.8571% | 531 |
| Earnings coverage of net charge-offs (x) | 55.5225% | 971 |
| Efficiency ratio | 81.9505% | 1,403 |
| Assets per employee ($millions) | 3.1531% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,880 |
| Loan loss allowance to noncurrent loans | 135.4538% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,678 |
| Noncurrent loans to loans | 0.7175% | 3,183 |
| Net loans and leases to total assets | 74.7931% | 1,588 |
| Net loans and leases to deposits | 83.8642% | 2,423 |
| Net loans and leases to core deposits | 87.8574% | 2,672 |
| Total domestic deposits to total assets | 89.1836% | 927 |
| Equity capital to assets | 9.1655% | 5,152 |
| Core capital (leverage) ratio | 9.1938% | 4,735 |
| Tier 1 risk-based capital ratio | 12.6782% | 4,627 |
| Total risk-based capital ratio | 13.6884% | 4,707 |
| Memoranda: | ||
| Average total assets | $215,694,000 | 2,811 |
| Average earning assets | $195,240,500 | 2,850 |
| Average equity | $19,424,000 | 3,257 |
| Average total loans | $158,397,250 | 2,500 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,482 |
| Cost of funding earning assets | 0.4224% | 3,016 |
| Net interest margin | 3.7973% | 2,324 |
| Noninterest income to average assets | 0.5068% | 3,328 |
| Noninterest expense to average assets | 3.2343% | 1,879 |
| Loan and lease loss provision to assets | 0.0837% | 2,444 |
| Net operating income to assets | 0.4643% | 4,923 |
| Return on assets (ROA) | 0.5580% | 4,635 |
| Pretax return on assets | 0.7616% | 4,450 |
| Return on Equity (ROE) | 6.2332% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.2332% | 2,099 |
| Net charge-offs to loans | 0.0153% | 3,404 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 806 |
| Efficiency ratio | 81.8546% | 1,511 |
| Assets per employee ($millions) | 3.0802% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 4,935 |
| Loan loss allowance to noncurrent loans | 112.9522% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,525 |
| Noncurrent loans to loans | 0.8730% | 2,949 |
| Net loans and leases to total assets | 71.6729% | 2,049 |
| Net loans and leases to deposits | 79.9554% | 2,788 |
| Net loans and leases to core deposits | 83.6119% | 3,023 |
| Total domestic deposits to total assets | 89.6411% | 818 |
| Equity capital to assets | 8.8170% | 5,415 |
| Core capital (leverage) ratio | 9.0958% | 4,821 |
| Tier 1 risk-based capital ratio | 12.7816% | 4,635 |
| Total risk-based capital ratio | 13.7926% | 4,698 |
| Memoranda: | ||
| Average total assets | $215,069,670 | 2,836 |
| Average earning assets | $195,086,330 | 2,876 |
| Average equity | $19,251,670 | 3,293 |
| Average total loans | $156,422,330 | 2,533 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,371 |
| Cost of funding earning assets | 0.4357% | 2,923 |
| Net interest margin | 3.7884% | 2,265 |
| Noninterest income to average assets | 0.4764% | 3,457 |
| Noninterest expense to average assets | 3.1755% | 2,049 |
| Loan and lease loss provision to assets | 0.0844% | 2,287 |
| Net operating income to assets | 0.4528% | 4,860 |
| Return on assets (ROA) | 0.5946% | 4,410 |
| Pretax return on assets | 0.8440% | 4,087 |
| Return on Equity (ROE) | 6.5916% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.5916% | 2,194 |
| Net charge-offs to loans | 0.0129% | 2,928 |
| Credit loss provision to net charge-offs | 900.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 609 |
| Efficiency ratio | 81.3942% | 1,703 |
| Assets per employee ($millions) | 3.0770% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 5,068 |
| Loan loss allowance to noncurrent loans | 108.8635% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 3,559 |
| Noncurrent loans to loans | 0.9123% | 2,959 |
| Net loans and leases to total assets | 70.4892% | 2,071 |
| Net loans and leases to deposits | 77.6924% | 2,847 |
| Net loans and leases to core deposits | 80.8266% | 3,074 |
| Total domestic deposits to total assets | 90.7285% | 461 |
| Equity capital to assets | 9.0254% | 5,255 |
| Core capital (leverage) ratio | 9.0201% | 4,927 |
| Tier 1 risk-based capital ratio | 13.0655% | 4,563 |
| Total risk-based capital ratio | 14.0884% | 4,616 |
| Memoranda: | ||
| Average total assets | $213,258,500 | 2,873 |
| Average earning assets | $192,798,000 | 2,919 |
| Average equity | $19,236,500 | 3,315 |
| Average total loans | $155,481,500 | 2,547 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,893 |
| Cost of funding earning assets | 0.4614% | 3,059 |
| Net interest margin | 4.0326% | 1,795 |
| Noninterest income to average assets | 0.5134% | 3,397 |
| Noninterest expense to average assets | 3.2229% | 2,151 |
| Loan and lease loss provision to assets | 0.1181% | 2,203 |
| Net operating income to assets | 0.5859% | 4,443 |
| Return on assets (ROA) | 0.6715% | 4,138 |
| Pretax return on assets | 0.9063% | 3,880 |
| Return on Equity (ROE) | 7.4800% | 3,382 |
| Retained earnings to average equity (ytd only) | 5.9006% | 1,983 |
| Net charge-offs to loans | 0.0412% | 3,998 |
| Credit loss provision to net charge-offs | 387.0968% | 671 |
| Earnings coverage of net charge-offs (x) | 29.7742% | 1,342 |
| Efficiency ratio | 78.0055% | 2,208 |
| Assets per employee ($millions) | 3.0598% | 5,620 |
| Cash dividends to net income (ytd only)* | 21.1144% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 5,330 |
| Loan loss allowance to noncurrent loans | 109.4465% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 3,651 |
| Noncurrent loans to loans | 0.8597% | 3,164 |
| Net loans and leases to total assets | 73.9510% | 1,589 |
| Net loans and leases to deposits | 81.4827% | 2,544 |
| Net loans and leases to core deposits | 83.3457% | 2,970 |
| Total domestic deposits to total assets | 90.7567% | 439 |
| Equity capital to assets | 9.0150% | 5,270 |
| Core capital (leverage) ratio | 9.5508% | 4,171 |
| Tier 1 risk-based capital ratio | 12.8481% | 4,826 |
| Total risk-based capital ratio | 13.8438% | 4,896 |
| Memoranda: | ||
| Average total assets | $203,137,200 | 2,953 |
| Average earning assets | $182,266,800 | 3,012 |
| Average equity | $18,235,400 | 3,376 |
| Average total loans | $150,662,400 | 2,559 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,701 |
| Cost of funding earning assets | 0.4749% | 3,005 |
| Net interest margin | 4.0758% | 1,653 |
| Noninterest income to average assets | 0.5124% | 3,464 |
| Noninterest expense to average assets | 3.3097% | 1,883 |
| Loan and lease loss provision to assets | 0.1293% | 1,942 |
| Net operating income to assets | 0.5510% | 4,671 |
| Return on assets (ROA) | 0.6688% | 4,203 |
| Pretax return on assets | 0.8810% | 4,071 |
| Return on Equity (ROE) | 7.4590% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.4590% | 1,587 |
| Net charge-offs to loans | -0.0457% | 5,869 |
| Credit loss provision to net charge-offs | -382.3529% | 5,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4684% | 1,992 |
| Assets per employee ($millions) | 2.7385% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 5,163 |
| Loan loss allowance to noncurrent loans | 67.5664% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 2,592 |
| Noncurrent loans to loans | 1.4958% | 2,172 |
| Net loans and leases to total assets | 78.1835% | 939 |
| Net loans and leases to deposits | 86.9172% | 1,799 |
| Net loans and leases to core deposits | 89.1891% | 2,300 |
| Total domestic deposits to total assets | 89.9517% | 749 |
| Equity capital to assets | 9.7407% | 4,498 |
| Core capital (leverage) ratio | 9.5917% | 4,257 |
| Tier 1 risk-based capital ratio | 13.2650% | 4,685 |
| Total risk-based capital ratio | 14.3446% | 4,732 |
| Memoranda: | ||
| Average total assets | $201,140,250 | 3,000 |
| Average earning assets | $180,244,250 | 3,057 |
| Average equity | $18,036,000 | 3,412 |
| Average total loans | $148,925,000 | 2,594 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,778 |
| Cost of funding earning assets | 0.4836% | 2,991 |
| Net interest margin | 4.0341% | 1,708 |
| Noninterest income to average assets | 0.5104% | 3,400 |
| Noninterest expense to average assets | 3.2767% | 1,979 |
| Loan and lease loss provision to assets | 0.1475% | 1,675 |
| Net operating income to assets | 0.5361% | 4,666 |
| Return on assets (ROA) | 0.6717% | 4,079 |
| Pretax return on assets | 0.8713% | 3,992 |
| Return on Equity (ROE) | 7.7023% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.7023% | 1,434 |
| Net charge-offs to loans | -0.1289% | 6,221 |
| Credit loss provision to net charge-offs | -157.8947% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5417% | 2,085 |
| Assets per employee ($millions) | 2.8982% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 5,152 |
| Loan loss allowance to noncurrent loans | 76.1671% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 3,034 |
| Noncurrent loans to loans | 1.3666% | 2,531 |
| Net loans and leases to total assets | 73.6887% | 1,476 |
| Net loans and leases to deposits | 82.3166% | 2,211 |
| Net loans and leases to core deposits | 84.3145% | 2,703 |
| Total domestic deposits to total assets | 89.5187% | 1,077 |
| Equity capital to assets | 9.2667% | 5,016 |
| Core capital (leverage) ratio | 9.2132% | 4,716 |
| Tier 1 risk-based capital ratio | 13.3626% | 4,679 |
| Total risk-based capital ratio | 14.4676% | 4,708 |
| Memoranda: | ||
| Average total assets | $203,376,670 | 2,991 |
| Average earning assets | $181,950,670 | 3,054 |
| Average equity | $17,735,000 | 3,447 |
| Average total loans | $147,378,330 | 2,620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 1,879 |
| Cost of funding earning assets | 0.4852% | 3,058 |
| Net interest margin | 3.9908% | 1,803 |
| Noninterest income to average assets | 0.4876% | 3,510 |
| Noninterest expense to average assets | 3.3880% | 1,734 |
| Loan and lease loss provision to assets | 0.1755% | 1,377 |
| Net operating income to assets | 0.4127% | 5,070 |
| Return on assets (ROA) | 0.5422% | 4,565 |
| Pretax return on assets | 0.6593% | 4,633 |
| Return on Equity (ROE) | 6.4140% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.4140% | 2,329 |
| Net charge-offs to loans | 0.0355% | 2,895 |
| Credit loss provision to net charge-offs | 692.3077% | 411 |
| Earnings coverage of net charge-offs (x) | 26.6923% | 1,123 |
| Efficiency ratio | 83.3493% | 1,749 |
| Assets per employee ($millions) | 3.0649% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 5,743 |
| Loan loss allowance to noncurrent loans | 72.2803% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 3,397 |
| Noncurrent loans to loans | 1.2983% | 2,854 |
| Net loans and leases to total assets | 71.0432% | 1,717 |
| Net loans and leases to deposits | 79.5745% | 2,358 |
| Net loans and leases to core deposits | 81.4671% | 2,796 |
| Total domestic deposits to total assets | 89.2788% | 1,483 |
| Equity capital to assets | 8.6247% | 5,520 |
| Core capital (leverage) ratio | 8.9173% | 5,120 |
| Tier 1 risk-based capital ratio | 13.1138% | 4,948 |
| Total risk-based capital ratio | 14.1021% | 5,036 |
| Memoranda: | ||
| Average total assets | $205,077,500 | 2,996 |
| Average earning assets | $183,823,500 | 3,052 |
| Average equity | $17,337,000 | 3,504 |
| Average total loans | $146,613,000 | 2,634 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,815 |
| Cost of funding earning assets | 0.5760% | 2,878 |
| Net interest margin | 4.0410% | 1,834 |
| Noninterest income to average assets | 0.5777% | 3,227 |
| Noninterest expense to average assets | 3.1889% | 2,448 |
| Loan and lease loss provision to assets | 0.1600% | 2,281 |
| Net operating income to assets | 0.6938% | 3,821 |
| Return on assets (ROA) | 0.8183% | 3,295 |
| Pretax return on assets | 1.0792% | 3,036 |
| Return on Equity (ROE) | 8.9517% | 2,553 |
| Retained earnings to average equity (ytd only) | 7.2711% | 1,329 |
| Net charge-offs to loans | 0.1411% | 3,397 |
| Credit loss provision to net charge-offs | 157.8947% | 1,455 |
| Earnings coverage of net charge-offs (x) | 10.6105% | 2,342 |
| Efficiency ratio | 74.7811% | 2,996 |
| Assets per employee ($millions) | 3.0118% | 5,816 |
| Cash dividends to net income (ytd only)* | 18.7744% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 5,953 |
| Loan loss allowance to noncurrent loans | 70.8854% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 3,643 |
| Noncurrent loans to loans | 1.2613% | 3,021 |
| Net loans and leases to total assets | 70.6290% | 1,914 |
| Net loans and leases to deposits | 77.1748% | 2,832 |
| Net loans and leases to core deposits | 79.1191% | 3,227 |
| Total domestic deposits to total assets | 91.5182% | 397 |
| Equity capital to assets | 8.2826% | 5,788 |
| Core capital (leverage) ratio | 9.1837% | 4,743 |
| Tier 1 risk-based capital ratio | 12.8984% | 5,052 |
| Total risk-based capital ratio | 13.8304% | 5,191 |
| Memoranda: | ||
| Average total assets | $187,461,000 | 3,194 |
| Average earning assets | $171,020,200 | 3,206 |
| Average equity | $17,136,400 | 3,543 |
| Average total loans | $134,685,200 | 2,783 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,730 |
| Cost of funding earning assets | 0.5928% | 2,871 |
| Net interest margin | 4.0649% | 1,743 |
| Noninterest income to average assets | 0.5897% | 3,221 |
| Noninterest expense to average assets | 2.9546% | 3,129 |
| Loan and lease loss provision to assets | 0.1638% | 2,208 |
| Net operating income to assets | 0.8755% | 2,964 |
| Return on assets (ROA) | 1.0222% | 2,374 |
| Pretax return on assets | 1.4016% | 1,923 |
| Return on Equity (ROE) | 10.8963% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.8963% | 594 |
| Net charge-offs to loans | 0.1830% | 2,766 |
| Credit loss provision to net charge-offs | 124.3094% | 1,895 |
| Earnings coverage of net charge-offs (x) | 10.3535% | 2,371 |
| Efficiency ratio | 68.4086% | 4,011 |
| Assets per employee ($millions) | 3.0033% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 6,045 |
| Loan loss allowance to noncurrent loans | 69.1792% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 3,742 |
| Noncurrent loans to loans | 1.3056% | 3,225 |
| Net loans and leases to total assets | 73.0083% | 1,452 |
| Net loans and leases to deposits | 83.8528% | 1,895 |
| Net loans and leases to core deposits | 85.9295% | 2,415 |
| Total domestic deposits to total assets | 87.0673% | 2,654 |
| Equity capital to assets | 9.2829% | 4,823 |
| Core capital (leverage) ratio | 9.8746% | 3,856 |
| Tier 1 risk-based capital ratio | 14.1325% | 4,333 |
| Total risk-based capital ratio | 15.0936% | 4,495 |
| Memoranda: | ||
| Average total assets | $183,125,250 | 3,269 |
| Average earning assets | $168,003,000 | 3,270 |
| Average equity | $17,179,750 | 3,577 |
| Average total loans | $131,867,500 | 2,839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 1,774 |
| Cost of funding earning assets | 0.6072% | 2,874 |
| Net interest margin | 4.0154% | 1,806 |
| Noninterest income to average assets | 0.5909% | 3,247 |
| Noninterest expense to average assets | 2.8435% | 3,539 |
| Loan and lease loss provision to assets | 0.1647% | 2,267 |
| Net operating income to assets | 0.9115% | 2,737 |
| Return on assets (ROA) | 1.0752% | 2,128 |
| Pretax return on assets | 1.4849% | 1,664 |
| Return on Equity (ROE) | 11.4205% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.4205% | 578 |
| Net charge-offs to loans | 0.0538% | 3,928 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 979 |
| Efficiency ratio | 66.6581% | 4,421 |
| Assets per employee ($millions) | 3.0479% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 5,889 |
| Loan loss allowance to noncurrent loans | 51.7787% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 2,996 |
| Noncurrent loans to loans | 1.8970% | 2,510 |
| Net loans and leases to total assets | 73.4377% | 1,336 |
| Net loans and leases to deposits | 81.1498% | 2,162 |
| Net loans and leases to core deposits | 83.1497% | 2,678 |
| Total domestic deposits to total assets | 90.4964% | 758 |
| Equity capital to assets | 9.4113% | 4,703 |
| Core capital (leverage) ratio | 9.8401% | 3,734 |
| Tier 1 risk-based capital ratio | 14.1140% | 4,350 |
| Total risk-based capital ratio | 15.1531% | 4,458 |
| Memoranda: | ||
| Average total assets | $182,099,670 | 3,289 |
| Average earning assets | $166,660,000 | 3,305 |
| Average equity | $17,144,670 | 3,603 |
| Average total loans | $130,096,000 | 2,873 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 2,002 |
| Cost of funding earning assets | 0.6321% | 2,831 |
| Net interest margin | 3.9149% | 2,066 |
| Noninterest income to average assets | 0.6003% | 3,137 |
| Noninterest expense to average assets | 2.8051% | 3,679 |
| Loan and lease loss provision to assets | 0.1637% | 2,227 |
| Net operating income to assets | 0.8638% | 2,842 |
| Return on assets (ROA) | 1.1482% | 1,788 |
| Pretax return on assets | 1.5958% | 1,312 |
| Return on Equity (ROE) | 12.1936% | 1,367 |
| Retained earnings to average equity (ytd only) | 12.1936% | 672 |
| Net charge-offs to loans | 0.0311% | 3,598 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 572 |
| Efficiency ratio | 67.2775% | 4,451 |
| Assets per employee ($millions) | 3.0908% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,071 |
| Loan loss allowance to noncurrent loans | 54.0309% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 3,384 |
| Noncurrent loans to loans | 1.7991% | 2,865 |
| Net loans and leases to total assets | 70.3881% | 1,597 |
| Net loans and leases to deposits | 78.0637% | 2,331 |
| Net loans and leases to core deposits | 79.9637% | 2,808 |
| Total domestic deposits to total assets | 90.1676% | 949 |
| Equity capital to assets | 9.5100% | 4,838 |
| Core capital (leverage) ratio | 9.5339% | 4,022 |
| Tier 1 risk-based capital ratio | 13.8399% | 4,624 |
| Total risk-based capital ratio | 14.8456% | 4,764 |
| Memoranda: | ||
| Average total assets | $183,236,500 | 3,309 |
| Average earning assets | $167,055,500 | 3,323 |
| Average equity | $17,255,000 | 3,620 |
| Average total loans | $128,459,000 | 2,917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 1,781 |
| Cost of funding earning assets | 0.8007% | 2,661 |
| Net interest margin | 4.1162% | 1,937 |
| Noninterest income to average assets | 0.6123% | 3,218 |
| Noninterest expense to average assets | 3.1758% | 2,693 |
| Loan and lease loss provision to assets | 0.1041% | 4,338 |
| Net operating income to assets | 0.7642% | 3,442 |
| Return on assets (ROA) | 0.9739% | 2,674 |
| Pretax return on assets | 1.3728% | 2,130 |
| Return on Equity (ROE) | 9.9932% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.3525% | 1,014 |
| Net charge-offs to loans | 0.4820% | 2,312 |
| Credit loss provision to net charge-offs | 29.5868% | 5,120 |
| Earnings coverage of net charge-offs (x) | 3.3587% | 3,762 |
| Efficiency ratio | 72.8850% | 3,262 |
| Assets per employee ($millions) | 3.1206% | 5,805 |
| Cash dividends to net income (ytd only)* | 16.4179% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,165 |
| Loan loss allowance to noncurrent loans | 66.0951% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 4,043 |
| Noncurrent loans to loans | 1.4203% | 3,470 |
| Net loans and leases to total assets | 68.4923% | 2,100 |
| Net loans and leases to deposits | 76.1592% | 2,776 |
| Net loans and leases to core deposits | 77.4350% | 3,345 |
| Total domestic deposits to total assets | 89.9330% | 980 |
| Equity capital to assets | 9.3245% | 5,120 |
| Core capital (leverage) ratio | 9.6123% | 3,942 |
| Tier 1 risk-based capital ratio | 13.5410% | 4,721 |
| Total risk-based capital ratio | 14.5034% | 4,875 |
| Memoranda: | ||
| Average total assets | $171,988,000 | 3,424 |
| Average earning assets | $156,480,000 | 3,430 |
| Average equity | $16,761,400 | 3,662 |
| Average total loans | $125,530,200 | 2,973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 1,665 |
| Cost of funding earning assets | 0.8316% | 2,694 |
| Net interest margin | 4.1830% | 1,783 |
| Noninterest income to average assets | 0.6321% | 3,096 |
| Noninterest expense to average assets | 3.0784% | 2,954 |
| Loan and lease loss provision to assets | 0.0821% | 4,601 |
| Net operating income to assets | 0.8879% | 3,043 |
| Return on assets (ROA) | 1.0077% | 2,696 |
| Pretax return on assets | 1.4457% | 2,094 |
| Return on Equity (ROE) | 10.2200% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.2200% | 863 |
| Net charge-offs to loans | 0.1268% | 4,112 |
| Credit loss provision to net charge-offs | 87.3950% | 3,386 |
| Earnings coverage of net charge-offs (x) | 14.4456% | 1,835 |
| Efficiency ratio | 69.4128% | 3,801 |
| Assets per employee ($millions) | 2.9376% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 4,894 |
| Loan loss allowance to noncurrent loans | 82.2746% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 4,007 |
| Noncurrent loans to loans | 1.5575% | 3,446 |
| Net loans and leases to total assets | 71.3834% | 1,664 |
| Net loans and leases to deposits | 79.8922% | 2,403 |
| Net loans and leases to core deposits | 81.8672% | 2,977 |
| Total domestic deposits to total assets | 89.3497% | 1,216 |
| Equity capital to assets | 10.0543% | 4,417 |
| Core capital (leverage) ratio | 9.8237% | 3,785 |
| Tier 1 risk-based capital ratio | 13.9252% | 4,586 |
| Total risk-based capital ratio | 15.1766% | 4,543 |
| Memoranda: | ||
| Average total assets | $168,955,750 | 3,509 |
| Average earning assets | $153,603,000 | 3,523 |
| Average equity | $16,659,750 | 3,708 |
| Average total loans | $125,087,500 | 3,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 1,817 |
| Cost of funding earning assets | 0.8440% | 2,847 |
| Net interest margin | 4.1442% | 1,930 |
| Noninterest income to average assets | 0.6233% | 3,113 |
| Noninterest expense to average assets | 3.0961% | 2,939 |
| Loan and lease loss provision to assets | 0.0764% | 4,663 |
| Net operating income to assets | 0.8672% | 3,056 |
| Return on assets (ROA) | 1.0460% | 2,493 |
| Pretax return on assets | 1.5092% | 1,825 |
| Return on Equity (ROE) | 10.6801% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.6801% | 810 |
| Net charge-offs to loans | 0.1664% | 3,609 |
| Credit loss provision to net charge-offs | 61.5385% | 3,756 |
| Earnings coverage of net charge-offs (x) | 10.6827% | 2,026 |
| Efficiency ratio | 70.0054% | 3,763 |
| Assets per employee ($millions) | 2.8479% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,175 |
| Loan loss allowance to noncurrent loans | 78.7351% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 4,022 |
| Noncurrent loans to loans | 1.5712% | 3,551 |
| Net loans and leases to total assets | 75.1169% | 1,089 |
| Net loans and leases to deposits | 83.9297% | 1,859 |
| Net loans and leases to core deposits | 85.4641% | 2,497 |
| Total domestic deposits to total assets | 89.4998% | 1,220 |
| Equity capital to assets | 10.0461% | 4,266 |
| Core capital (leverage) ratio | 9.6903% | 3,848 |
| Tier 1 risk-based capital ratio | 13.7113% | 4,654 |
| Total risk-based capital ratio | 14.9620% | 4,629 |
| Memoranda: | ||
| Average total assets | $167,501,330 | 3,543 |
| Average earning assets | $153,563,330 | 3,544 |
| Average equity | $16,404,330 | 3,746 |
| Average total loans | $125,007,670 | 3,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 2,030 |
| Cost of funding earning assets | 0.8755% | 2,863 |
| Net interest margin | 4.0849% | 2,156 |
| Noninterest income to average assets | 0.6027% | 3,219 |
| Noninterest expense to average assets | 3.1308% | 2,816 |
| Loan and lease loss provision to assets | 0.1531% | 3,461 |
| Net operating income to assets | 0.7254% | 3,760 |
| Return on assets (ROA) | 1.0835% | 2,338 |
| Pretax return on assets | 1.5762% | 1,649 |
| Return on Equity (ROE) | 11.2084% | 1,938 |
| Retained earnings to average equity (ytd only) | 11.2084% | 983 |
| Net charge-offs to loans | 0.2395% | 2,737 |
| Credit loss provision to net charge-offs | 86.4865% | 2,615 |
| Earnings coverage of net charge-offs (x) | 6.8378% | 2,149 |
| Efficiency ratio | 72.1212% | 3,417 |
| Assets per employee ($millions) | 2.7990% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 5,059 |
| Loan loss allowance to noncurrent loans | 73.1276% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 3,934 |
| Noncurrent loans to loans | 1.7644% | 3,461 |
| Net loans and leases to total assets | 73.3857% | 1,155 |
| Net loans and leases to deposits | 81.5802% | 1,990 |
| Net loans and leases to core deposits | 83.7990% | 2,569 |
| Total domestic deposits to total assets | 89.9553% | 1,113 |
| Equity capital to assets | 9.7076% | 4,509 |
| Core capital (leverage) ratio | 9.6072% | 3,904 |
| Tier 1 risk-based capital ratio | 13.9097% | 4,522 |
| Total risk-based capital ratio | 15.1492% | 4,518 |
| Memoranda: | ||
| Average total assets | $167,239,000 | 3,565 |
| Average earning assets | $153,053,000 | 3,566 |
| Average equity | $16,166,500 | 3,789 |
| Average total loans | $123,613,000 | 3,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 2,636 |
| Cost of funding earning assets | 1.0693% | 2,888 |
| Net interest margin | 3.9850% | 2,959 |
| Noninterest income to average assets | 0.5039% | 3,819 |
| Noninterest expense to average assets | 3.0744% | 3,292 |
| Loan and lease loss provision to assets | 0.3235% | 3,099 |
| Net operating income to assets | 0.5780% | 4,109 |
| Return on assets (ROA) | 0.6997% | 3,676 |
| Pretax return on assets | 0.9262% | 3,534 |
| Return on Equity (ROE) | 7.3812% | 3,206 |
| Retained earnings to average equity (ytd only) | 5.7625% | 2,144 |
| Net charge-offs to loans | 0.6169% | 2,604 |
| Credit loss provision to net charge-offs | 71.5061% | 4,796 |
| Earnings coverage of net charge-offs (x) | 2.4084% | 4,011 |
| Efficiency ratio | 73.8355% | 3,264 |
| Assets per employee ($millions) | 2.7756% | 6,491 |
| Cash dividends to net income (ytd only)* | 21.9298% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 4,787 |
| Loan loss allowance to noncurrent loans | 71.2527% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 3,959 |
| Noncurrent loans to loans | 1.8591% | 3,401 |
| Net loans and leases to total assets | 72.5060% | 1,558 |
| Net loans and leases to deposits | 80.5892% | 2,420 |
| Net loans and leases to core deposits | 82.7866% | 3,064 |
| Total domestic deposits to total assets | 89.9699% | 1,011 |
| Equity capital to assets | 9.6254% | 4,710 |
| Core capital (leverage) ratio | 9.6104% | 3,853 |
| Tier 1 risk-based capital ratio | 13.8073% | 4,473 |
| Total risk-based capital ratio | 15.0586% | 4,429 |
| Memoranda: | ||
| Average total assets | $162,926,000 | 3,591 |
| Average earning assets | $149,637,200 | 3,582 |
| Average equity | $15,444,600 | 3,830 |
| Average total loans | $119,461,800 | 3,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 2,713 |
| Cost of funding earning assets | 1.1191% | 2,836 |
| Net interest margin | 3.9603% | 3,103 |
| Noninterest income to average assets | 0.4905% | 3,943 |
| Noninterest expense to average assets | 2.8612% | 4,096 |
| Loan and lease loss provision to assets | 0.3259% | 2,926 |
| Net operating income to assets | 0.6906% | 3,673 |
| Return on assets (ROA) | 0.8410% | 3,131 |
| Pretax return on assets | 1.1438% | 2,844 |
| Return on Equity (ROE) | 8.9071% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.9071% | 1,178 |
| Net charge-offs to loans | 0.7254% | 2,104 |
| Credit loss provision to net charge-offs | 61.3003% | 4,768 |
| Earnings coverage of net charge-offs (x) | 2.3824% | 3,933 |
| Efficiency ratio | 69.3182% | 4,071 |
| Assets per employee ($millions) | 2.7484% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,970 |
| Loan loss allowance to noncurrent loans | 82.3438% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 3,939 |
| Noncurrent loans to loans | 1.5900% | 3,913 |
| Net loans and leases to total assets | 74.7607% | 1,187 |
| Net loans and leases to deposits | 84.3909% | 1,934 |
| Net loans and leases to core deposits | 87.5258% | 2,559 |
| Total domestic deposits to total assets | 88.5885% | 1,701 |
| Equity capital to assets | 10.1060% | 4,201 |
| Core capital (leverage) ratio | 9.7802% | 3,727 |
| Tier 1 risk-based capital ratio | 14.2885% | 4,135 |
| Total risk-based capital ratio | 15.5403% | 4,096 |
| Memoranda: | ||
| Average total assets | $162,023,000 | 3,636 |
| Average earning assets | $148,805,750 | 3,620 |
| Average equity | $15,298,250 | 3,862 |
| Average total loans | $118,734,500 | 3,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 2,875 |
| Cost of funding earning assets | 1.1694% | 2,779 |
| Net interest margin | 3.8913% | 3,363 |
| Noninterest income to average assets | 0.5611% | 3,394 |
| Noninterest expense to average assets | 2.7122% | 4,770 |
| Loan and lease loss provision to assets | 0.1596% | 4,323 |
| Net operating income to assets | 0.8609% | 2,815 |
| Return on assets (ROA) | 0.8533% | 2,936 |
| Pretax return on assets | 1.2450% | 2,324 |
| Return on Equity (ROE) | 9.2496% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.2496% | 1,035 |
| Net charge-offs to loans | 0.1152% | 4,550 |
| Credit loss provision to net charge-offs | 191.1765% | 1,579 |
| Earnings coverage of net charge-offs (x) | 16.9559% | 1,316 |
| Efficiency ratio | 65.7049% | 4,932 |
| Assets per employee ($millions) | 3.3346% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,776 |
| Loan loss allowance to noncurrent loans | 71.5149% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0036% | 3,228 |
| Noncurrent loans to loans | 2.2109% | 3,214 |
| Net loans and leases to total assets | 73.6154% | 1,487 |
| Net loans and leases to deposits | 81.7731% | 2,485 |
| Net loans and leases to core deposits | 84.6098% | 3,122 |
| Total domestic deposits to total assets | 90.0239% | 965 |
| Equity capital to assets | 9.7224% | 4,508 |
| Core capital (leverage) ratio | 9.4451% | 4,034 |
| Tier 1 risk-based capital ratio | 14.0486% | 4,139 |
| Total risk-based capital ratio | 15.3133% | 4,098 |
| Memoranda: | ||
| Average total assets | $162,894,000 | 3,634 |
| Average earning assets | $149,305,670 | 3,637 |
| Average equity | $15,027,670 | 3,899 |
| Average total loans | $118,060,330 | 3,266 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 3,098 |
| Cost of funding earning assets | 1.2232% | 2,664 |
| Net interest margin | 3.7809% | 3,702 |
| Noninterest income to average assets | 0.5867% | 3,259 |
| Noninterest expense to average assets | 2.6341% | 5,100 |
| Loan and lease loss provision to assets | 0.0901% | 4,888 |
| Net operating income to assets | 0.9130% | 2,502 |
| Return on assets (ROA) | 0.9080% | 2,583 |
| Pretax return on assets | 1.3316% | 1,937 |
| Return on Equity (ROE) | 10.1081% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.1081% | 1,101 |
| Net charge-offs to loans | 0.2559% | 3,049 |
| Credit loss provision to net charge-offs | 49.3333% | 3,769 |
| Earnings coverage of net charge-offs (x) | 7.8267% | 1,892 |
| Efficiency ratio | 64.8292% | 5,213 |
| Assets per employee ($millions) | 3.2179% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 4,062 |
| Loan loss allowance to noncurrent loans | 73.1538% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.9211% | 3,410 |
| Noncurrent loans to loans | 2.0888% | 3,456 |
| Net loans and leases to total assets | 71.8168% | 1,757 |
| Net loans and leases to deposits | 79.4173% | 2,823 |
| Net loans and leases to core deposits | 82.0730% | 3,442 |
| Total domestic deposits to total assets | 90.4297% | 880 |
| Equity capital to assets | 9.3198% | 4,694 |
| Core capital (leverage) ratio | 9.0500% | 4,532 |
| Tier 1 risk-based capital ratio | 13.5531% | 4,390 |
| Total risk-based capital ratio | 14.8168% | 4,344 |
| Memoranda: | ||
| Average total assets | $164,309,500 | 3,641 |
| Average earning assets | $151,077,000 | 3,622 |
| Average equity | $14,760,500 | 3,950 |
| Average total loans | $117,228,500 | 3,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 3,453 |
| Cost of funding earning assets | 1.5337% | 2,453 |
| Net interest margin | 3.6977% | 4,351 |
| Noninterest income to average assets | 0.5549% | 3,790 |
| Noninterest expense to average assets | 3.0088% | 3,815 |
| Loan and lease loss provision to assets | 0.1182% | 5,976 |
| Net operating income to assets | 0.6273% | 3,548 |
| Return on assets (ROA) | 0.6283% | 3,706 |
| Pretax return on assets | 0.8080% | 3,599 |
| Return on Equity (ROE) | 7.0296% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.2896% | 2,254 |
| Net charge-offs to loans | 0.2389% | 4,856 |
| Credit loss provision to net charge-offs | 68.1004% | 5,912 |
| Earnings coverage of net charge-offs (x) | 5.3297% | 2,658 |
| Efficiency ratio | 76.4864% | 2,966 |
| Assets per employee ($millions) | 3.3545% | 5,289 |
| Cash dividends to net income (ytd only)* | 24.7525% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 3,724 |
| Loan loss allowance to noncurrent loans | 113.3045% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 4,277 |
| Noncurrent loans to loans | 1.3798% | 4,415 |
| Net loans and leases to total assets | 68.7339% | 2,802 |
| Net loans and leases to deposits | 75.3865% | 3,941 |
| Net loans and leases to core deposits | 79.8327% | 4,237 |
| Total domestic deposits to total assets | 91.1754% | 520 |
| Equity capital to assets | 8.6606% | 5,639 |
| Core capital (leverage) ratio | 8.9022% | 4,695 |
| Tier 1 risk-based capital ratio | 12.5908% | 4,944 |
| Total risk-based capital ratio | 13.8409% | 4,932 |
| Memoranda: | ||
| Average total assets | $160,760,600 | 3,682 |
| Average earning assets | $146,903,800 | 3,691 |
| Average equity | $14,367,800 | 4,053 |
| Average total loans | $116,783,800 | 3,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 3,463 |
| Cost of funding earning assets | 1.5886% | 2,451 |
| Net interest margin | 3.6881% | 4,469 |
| Noninterest income to average assets | 0.6003% | 3,434 |
| Noninterest expense to average assets | 3.0679% | 3,496 |
| Loan and lease loss provision to assets | 0.1132% | 5,900 |
| Net operating income to assets | 0.5932% | 3,905 |
| Return on assets (ROA) | 0.5945% | 4,056 |
| Pretax return on assets | 0.7923% | 3,939 |
| Return on Equity (ROE) | 6.5975% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.5975% | 2,043 |
| Net charge-offs to loans | 0.3073% | 4,121 |
| Credit loss provision to net charge-offs | 50.1859% | 5,876 |
| Earnings coverage of net charge-offs (x) | 4.0074% | 3,220 |
| Efficiency ratio | 77.2430% | 2,733 |
| Assets per employee ($millions) | 3.0423% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,731 |
| Loan loss allowance to noncurrent loans | 97.0125% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 4,416 |
| Noncurrent loans to loans | 1.5989% | 4,246 |
| Net loans and leases to total assets | 70.3013% | 2,665 |
| Net loans and leases to deposits | 77.5662% | 3,909 |
| Net loans and leases to core deposits | 83.8872% | 3,956 |
| Total domestic deposits to total assets | 90.6340% | 582 |
| Equity capital to assets | 9.1967% | 5,314 |
| Core capital (leverage) ratio | 9.0147% | 4,674 |
| Tier 1 risk-based capital ratio | 12.8608% | 4,683 |
| Total risk-based capital ratio | 14.1235% | 4,665 |
| Memoranda: | ||
| Average total assets | $159,019,500 | 3,774 |
| Average earning assets | $145,365,500 | 3,760 |
| Average equity | $14,328,250 | 4,127 |
| Average total loans | $116,701,000 | 3,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 3,320 |
| Cost of funding earning assets | 1.6255% | 2,510 |
| Net interest margin | 3.7043% | 4,342 |
| Noninterest income to average assets | 0.5724% | 3,527 |
| Noninterest expense to average assets | 2.9543% | 3,877 |
| Loan and lease loss provision to assets | 0.1137% | 5,770 |
| Net operating income to assets | 0.6438% | 3,651 |
| Return on assets (ROA) | 0.6457% | 3,800 |
| Pretax return on assets | 0.8731% | 3,607 |
| Return on Equity (ROE) | 7.2168% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.2168% | 1,749 |
| Net charge-offs to loans | 0.1484% | 4,745 |
| Credit loss provision to net charge-offs | 103.4483% | 3,942 |
| Earnings coverage of net charge-offs (x) | 8.9540% | 2,070 |
| Efficiency ratio | 75.0080% | 3,259 |
| Assets per employee ($millions) | 2.9804% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 3,208 |
| Loan loss allowance to noncurrent loans | 110.0744% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 4,508 |
| Noncurrent loans to loans | 1.5128% | 4,437 |
| Net loans and leases to total assets | 71.8891% | 2,431 |
| Net loans and leases to deposits | 79.3194% | 3,730 |
| Net loans and leases to core deposits | 86.0657% | 3,820 |
| Total domestic deposits to total assets | 90.6324% | 626 |
| Equity capital to assets | 9.1485% | 5,219 |
| Core capital (leverage) ratio | 9.2698% | 4,174 |
| Tier 1 risk-based capital ratio | 12.7797% | 4,625 |
| Total risk-based capital ratio | 14.0357% | 4,587 |
| Memoranda: | ||
| Average total assets | $158,278,330 | 3,823 |
| Average earning assets | $143,832,670 | 3,819 |
| Average equity | $14,161,330 | 4,163 |
| Average total loans | $117,220,670 | 3,455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 4,060 |
| Cost of funding earning assets | 1.6392% | 2,716 |
| Net interest margin | 3.5534% | 4,931 |
| Noninterest income to average assets | 0.5201% | 3,892 |
| Noninterest expense to average assets | 2.8529% | 4,265 |
| Loan and lease loss provision to assets | 0.1086% | 5,538 |
| Net operating income to assets | 0.6499% | 3,665 |
| Return on assets (ROA) | 0.6539% | 3,758 |
| Pretax return on assets | 0.8256% | 3,763 |
| Return on Equity (ROE) | 7.3913% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.3913% | 1,979 |
| Net charge-offs to loans | 0.0373% | 5,057 |
| Credit loss provision to net charge-offs | 390.9091% | 1,046 |
| Earnings coverage of net charge-offs (x) | 33.4545% | 803 |
| Efficiency ratio | 75.4339% | 3,316 |
| Assets per employee ($millions) | 2.8325% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 3,172 |
| Loan loss allowance to noncurrent loans | 89.0917% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.6685% | 3,969 |
| Noncurrent loans to loans | 1.8757% | 3,960 |
| Net loans and leases to total assets | 75.0943% | 1,721 |
| Net loans and leases to deposits | 82.9002% | 3,121 |
| Net loans and leases to core deposits | 89.4345% | 3,441 |
| Total domestic deposits to total assets | 90.5840% | 699 |
| Equity capital to assets | 9.2525% | 4,912 |
| Core capital (leverage) ratio | 9.0628% | 4,453 |
| Tier 1 risk-based capital ratio | 12.5346% | 4,716 |
| Total risk-based capital ratio | 13.7905% | 4,669 |
| Memoranda: | ||
| Average total assets | $158,437,500 | 3,876 |
| Average earning assets | $145,438,500 | 3,845 |
| Average equity | $14,016,500 | 4,238 |
| Average total loans | $118,091,500 | 3,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 3,309 |
| Cost of funding earning assets | 2.2961% | 1,675 |
| Net interest margin | 3.3616% | 5,519 |
| Noninterest income to average assets | 0.5539% | 3,991 |
| Noninterest expense to average assets | 3.0776% | 3,840 |
| Loan and lease loss provision to assets | 0.0556% | 7,009 |
| Net operating income to assets | 0.4139% | 4,074 |
| Return on assets (ROA) | 0.4168% | 4,165 |
| Pretax return on assets | 0.5298% | 4,109 |
| Return on Equity (ROE) | 4.9865% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.5211% | 2,089 |
| Net charge-offs to loans | 0.8421% | 2,724 |
| Credit loss provision to net charge-offs | 9.0361% | 6,975 |
| Earnings coverage of net charge-offs (x) | 0.9458% | 5,165 |
| Efficiency ratio | 84.1039% | 2,334 |
| Assets per employee ($millions) | 3.0356% | 6,134 |
| Cash dividends to net income (ytd only)* | 9.3333% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 3,252 |
| Loan loss allowance to noncurrent loans | 328.7671% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 5,622 |
| Noncurrent loans to loans | 0.4892% | 6,278 |
| Net loans and leases to total assets | 71.6512% | 2,849 |
| Net loans and leases to deposits | 79.9896% | 3,991 |
| Net loans and leases to core deposits | 98.2065% | 4,202 |
| Total domestic deposits to total assets | 89.5755% | 1,170 |
| Equity capital to assets | 8.4681% | 5,933 |
| Core capital (leverage) ratio | 8.4789% | 5,306 |
| Tier 1 risk-based capital ratio | 11.9921% | 4,952 |
| Total risk-based capital ratio | 13.2475% | 4,903 |
| Memoranda: | ||
| Average total assets | $161,942,800 | 3,734 |
| Average earning assets | $149,600,000 | 3,720 |
| Average equity | $13,536,600 | 4,377 |
| Average total loans | $118,281,600 | 3,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 3,255 |
| Cost of funding earning assets | 2.3711% | 1,738 |
| Net interest margin | 3.3461% | 5,457 |
| Noninterest income to average assets | 0.5624% | 3,993 |
| Noninterest expense to average assets | 3.1134% | 3,605 |
| Loan and lease loss provision to assets | 0.0248% | 7,107 |
| Net operating income to assets | 0.4162% | 4,334 |
| Return on assets (ROA) | 0.4162% | 4,432 |
| Pretax return on assets | 0.5219% | 4,449 |
| Return on Equity (ROE) | 4.9959% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.9959% | 2,495 |
| Net charge-offs to loans | 0.9287% | 2,110 |
| Credit loss provision to net charge-offs | 3.6496% | 6,647 |
| Earnings coverage of net charge-offs (x) | 0.8054% | 5,249 |
| Efficiency ratio | 85.0632% | 2,177 |
| Assets per employee ($millions) | 2.7898% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,419 |
| Loan loss allowance to noncurrent loans | 180.1594% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 5,002 |
| Noncurrent loans to loans | 0.9752% | 5,350 |
| Net loans and leases to total assets | 70.2934% | 3,442 |
| Net loans and leases to deposits | 78.5634% | 4,647 |
| Net loans and leases to core deposits | 104.1451% | 3,918 |
| Total domestic deposits to total assets | 89.4734% | 982 |
| Equity capital to assets | 8.5360% | 6,207 |
| Core capital (leverage) ratio | 8.4753% | 5,537 |
| Tier 1 risk-based capital ratio | 12.4093% | 4,620 |
| Total risk-based capital ratio | 13.6671% | 4,562 |
| Memoranda: | ||
| Average total assets | $161,448,000 | 3,771 |
| Average earning assets | $149,463,250 | 3,736 |
| Average equity | $13,450,500 | 4,427 |
| Average total loans | $118,009,000 | 3,554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 3,484 |
| Cost of funding earning assets | 2.4007% | 1,967 |
| Net interest margin | 3.3086% | 5,524 |
| Noninterest income to average assets | 0.4872% | 4,563 |
| Noninterest expense to average assets | 3.1129% | 3,652 |
| Loan and lease loss provision to assets | 0.0372% | 6,865 |
| Net operating income to assets | 0.3496% | 4,681 |
| Return on assets (ROA) | 0.3496% | 4,798 |
| Pretax return on assets | 0.4091% | 4,904 |
| Return on Equity (ROE) | 4.2311% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.2311% | 2,950 |
| Net charge-offs to loans | 1.0273% | 1,732 |
| Credit loss provision to net charge-offs | 4.9180% | 6,219 |
| Earnings coverage of net charge-offs (x) | 0.5902% | 5,122 |
| Efficiency ratio | 87.4608% | 2,078 |
| Assets per employee ($millions) | 2.7207% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 1,947 |
| Loan loss allowance to noncurrent loans | 161.8071% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.5462% | 3,906 |
| Noncurrent loans to loans | 1.1361% | 4,943 |
| Net loans and leases to total assets | 70.8894% | 3,493 |
| Net loans and leases to deposits | 79.1276% | 4,679 |
| Net loans and leases to core deposits | 103.1482% | 4,164 |
| Total domestic deposits to total assets | 89.5888% | 1,007 |
| Equity capital to assets | 8.3180% | 6,305 |
| Core capital (leverage) ratio | 8.3269% | 5,749 |
| Tier 1 risk-based capital ratio | 12.2166% | 4,739 |
| Total risk-based capital ratio | 13.4762% | 4,650 |
| Memoranda: | ||
| Average total assets | $161,327,670 | 3,798 |
| Average earning assets | $149,792,670 | 3,748 |
| Average equity | $13,330,000 | 4,460 |
| Average total loans | $118,753,670 | 3,564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 3,944 |
| Cost of funding earning assets | 2.4518% | 2,099 |
| Net interest margin | 3.2175% | 5,801 |
| Noninterest income to average assets | 0.4353% | 4,915 |
| Noninterest expense to average assets | 2.9382% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3339% | 5,142 |
| Return on assets (ROA) | 0.3339% | 5,327 |
| Pretax return on assets | 0.4798% | 5,137 |
| Return on Equity (ROE) | 4.0544% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.0544% | 3,644 |
| Net charge-offs to loans | 0.1664% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.8800% | 3,035 |
| Efficiency ratio | 85.9624% | 2,068 |
| Assets per employee ($millions) | 2.7047% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2413% | 1,030 |
| Loan loss allowance to noncurrent loans | 71.1688% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.4533% | 2,335 |
| Noncurrent loans to loans | 3.1492% | 2,051 |
| Net loans and leases to total assets | 72.7333% | 3,065 |
| Net loans and leases to deposits | 81.2527% | 4,410 |
| Net loans and leases to core deposits | 103.9757% | 4,142 |
| Total domestic deposits to total assets | 89.5149% | 996 |
| Equity capital to assets | 8.3745% | 6,277 |
| Core capital (leverage) ratio | 8.3282% | 5,853 |
| Tier 1 risk-based capital ratio | 11.9652% | 4,988 |
| Total risk-based capital ratio | 13.2305% | 4,871 |
| Memoranda: | ||
| Average total assets | $161,732,000 | 3,800 |
| Average earning assets | $149,928,000 | 3,756 |
| Average equity | $13,319,000 | 4,496 |
| Average total loans | $120,169,500 | 3,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5671% | 2,636 |
| Cost of funding earning assets | 2.9474% | 2,067 |
| Net interest margin | 3.6197% | 4,789 |
| Noninterest income to average assets | 0.4857% | 4,739 |
| Noninterest expense to average assets | 2.8901% | 4,483 |
| Loan and lease loss provision to assets | 0.6455% | 2,252 |
| Net operating income to assets | 0.2312% | 5,751 |
| Return on assets (ROA) | 0.2312% | 5,577 |
| Pretax return on assets | 0.3002% | 5,511 |
| Return on Equity (ROE) | 2.8251% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.8251% | 3,419 |
| Net charge-offs to loans | 0.1564% | 4,631 |
| Credit loss provision to net charge-offs | 547.8723% | 799 |
| Earnings coverage of net charge-offs (x) | 8.0266% | 2,958 |
| Efficiency ratio | 75.3472% | 3,350 |
| Assets per employee ($millions) | 2.6866% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 919 |
| Loan loss allowance to noncurrent loans | 227.2422% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 4,826 |
| Noncurrent loans to loans | 0.9810% | 4,634 |
| Net loans and leases to total assets | 72.5509% | 3,477 |
| Net loans and leases to deposits | 80.7777% | 4,911 |
| Net loans and leases to core deposits | 100.4902% | 4,778 |
| Total domestic deposits to total assets | 89.8154% | 720 |
| Equity capital to assets | 8.0996% | 6,697 |
| Core capital (leverage) ratio | 8.1947% | 6,176 |
| Tier 1 risk-based capital ratio | 11.6524% | 5,093 |
| Total risk-based capital ratio | 12.9177% | 4,981 |
| Memoranda: | ||
| Average total assets | $159,576,800 | 3,723 |
| Average earning assets | $147,691,200 | 3,696 |
| Average equity | $13,061,400 | 4,553 |
| Average total loans | $120,214,200 | 3,455 |