Home > Peoples Savings Bank > Performance and Condition Ratios
Peoples Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 2,054 |
| Cost of funding earning assets | 2.1215% | 742 |
| Net interest margin | 2.8875% | 3,513 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 2.1421% | 3,284 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1543% | 1,772 |
| Return on assets (ROA) | 1.0948% | 1,905 |
| Pretax return on assets | 1.4018% | 1,629 |
| Return on Equity (ROE) | 22.6100% | 419 |
| Retained earnings to average equity (ytd only) | 22.6067% | 98 |
| Net charge-offs to loans | 0.1053% | 874 |
| Credit loss provision to net charge-offs | 150.5376% | 1,471 |
| Earnings coverage of net charge-offs (x) | 28.6165% | 1,658 |
| Efficiency ratio | 57.7165% | 3,325 |
| Assets per employee ($millions) | 7.3367% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,249 |
| Loan loss allowance to noncurrent loans | 913.0435% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,071 |
| Noncurrent loans to loans | 0.1324% | 2,850 |
| Net loans and leases to total assets | 54.2600% | 3,333 |
| Net loans and leases to deposits | 60.1886% | 3,511 |
| Net loans and leases to core deposits | 70.3861% | 3,286 |
| Total domestic deposits to total assets | 90.1500% | 722 |
| Equity capital to assets | 5.9380% | 4,245 |
| Core capital (leverage) ratio | 10.6082% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1952% | 1,229 |
| Memoranda: | ||
| Average total assets | $512,068,800 | 1,706 |
| Average earning assets | $465,519,000 | 1,719 |
| Average equity | $24,798,000 | 2,533 |
| Average total loans | $264,853,600 | 1,937 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 2,117 |
| Cost of funding earning assets | 1.9792% | 728 |
| Net interest margin | 2.8949% | 3,556 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.1165% | 3,311 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1382% | 1,945 |
| Return on assets (ROA) | 1.0591% | 2,177 |
| Pretax return on assets | 1.3506% | 1,893 |
| Return on Equity (ROE) | 23.1600% | 480 |
| Retained earnings to average equity (ytd only) | 23.1599% | 163 |
| Net charge-offs to loans | 0.1366% | 594 |
| Credit loss provision to net charge-offs | 117.5373% | 1,497 |
| Earnings coverage of net charge-offs (x) | 22.0261% | 1,767 |
| Efficiency ratio | 57.8371% | 3,222 |
| Assets per employee ($millions) | 7.7195% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,372 |
| Loan loss allowance to noncurrent loans | 706.9264% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,000 |
| Noncurrent loans to loans | 0.1695% | 2,689 |
| Net loans and leases to total assets | 51.3000% | 3,541 |
| Net loans and leases to deposits | 55.4393% | 3,737 |
| Net loans and leases to core deposits | 64.6759% | 3,496 |
| Total domestic deposits to total assets | 92.5300% | 369 |
| Equity capital to assets | 4.8235% | 4,285 |
| Core capital (leverage) ratio | 10.6441% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9873% | 1,320 |
| Memoranda: | ||
| Average total assets | $513,528,000 | 1,704 |
| Average earning assets | $466,839,000 | 1,721 |
| Average equity | $23,482,500 | 2,597 |
| Average total loans | $261,559,750 | 1,958 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 1,920 |
| Cost of funding earning assets | 1.8559% | 667 |
| Net interest margin | 2.9770% | 3,488 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 2.1117% | 3,314 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2987% | 1,569 |
| Return on assets (ROA) | 1.1791% | 1,878 |
| Pretax return on assets | 1.5079% | 1,588 |
| Return on Equity (ROE) | 26.2800% | 321 |
| Retained earnings to average equity (ytd only) | 26.2790% | 106 |
| Net charge-offs to loans | 0.2086% | 386 |
| Credit loss provision to net charge-offs | 78.0669% | 1,560 |
| Earnings coverage of net charge-offs (x) | 16.5019% | 1,829 |
| Efficiency ratio | 54.6482% | 3,558 |
| Assets per employee ($millions) | 6.9214% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,345 |
| Loan loss allowance to noncurrent loans | 686.9565% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,879 |
| Noncurrent loans to loans | 0.1777% | 2,591 |
| Net loans and leases to total assets | 52.0300% | 3,408 |
| Net loans and leases to deposits | 56.7378% | 3,601 |
| Net loans and leases to core deposits | 64.8668% | 3,400 |
| Total domestic deposits to total assets | 91.7100% | 472 |
| Equity capital to assets | 5.4664% | 4,298 |
| Core capital (leverage) ratio | 10.2131% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3226% | 1,258 |
| Memoranda: | ||
| Average total assets | $509,728,000 | 1,702 |
| Average earning assets | $465,428,333 | 1,724 |
| Average equity | $22,870,000 | 2,635 |
| Average total loans | $257,895,000 | 1,966 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 2,089 |
| Cost of funding earning assets | 1.6652% | 619 |
| Net interest margin | 2.9322% | 3,734 |
| Noninterest income to average assets | 1.6700% | 294 |
| Noninterest expense to average assets | 2.0097% | 3,609 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7527% | 747 |
| Return on assets (ROA) | 1.6528% | 902 |
| Pretax return on assets | 2.1292% | 632 |
| Return on Equity (ROE) | 41.0900% | 111 |
| Retained earnings to average equity (ytd only) | 41.0856% | 60 |
| Net charge-offs to loans | 0.4367% | 186 |
| Credit loss provision to net charge-offs | 37.3665% | 1,324 |
| Earnings coverage of net charge-offs (x) | 10.7865% | 1,646 |
| Efficiency ratio | 46.0979% | 4,211 |
| Assets per employee ($millions) | 7.8703% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,651 |
| Loan loss allowance to noncurrent loans | 523.7522% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 2,778 |
| Noncurrent loans to loans | 0.2256% | 2,363 |
| Net loans and leases to total assets | 46.8600% | 3,720 |
| Net loans and leases to deposits | 50.7124% | 3,858 |
| Net loans and leases to core deposits | 55.8807% | 3,750 |
| Total domestic deposits to total assets | 92.4100% | 420 |
| Equity capital to assets | 4.4429% | 4,502 |
| Core capital (leverage) ratio | 10.2551% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9445% | 1,386 |
| Memoranda: | ||
| Average total assets | $518,881,500 | 1,704 |
| Average earning assets | $473,221,000 | 1,719 |
| Average equity | $20,873,500 | 2,810 |
| Average total loans | $257,410,000 | 1,991 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 1,989 |
| Cost of funding earning assets | 0.6252% | 806 |
| Net interest margin | 3.2732% | 2,637 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.1102% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1106% | 2,122 |
| Return on assets (ROA) | 1.0709% | 2,235 |
| Pretax return on assets | 1.3357% | 1,974 |
| Return on Equity (ROE) | 19.2300% | 544 |
| Retained earnings to average equity (ytd only) | 14.0642% | 379 |
| Net charge-offs to loans | 0.0218% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 131.9400% | 846 |
| Efficiency ratio | 60.1826% | 3,035 |
| Assets per employee ($millions) | 7.2752% | 1,772 |
| Cash dividends to net income (ytd only)* | 26.8627% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,141 |
| Loan loss allowance to noncurrent loans | 354.5154% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 2,265 |
| Noncurrent loans to loans | 0.3529% | 1,880 |
| Net loans and leases to total assets | 51.3600% | 3,407 |
| Net loans and leases to deposits | 57.3780% | 3,496 |
| Net loans and leases to core deposits | 61.8537% | 3,401 |
| Total domestic deposits to total assets | 89.5100% | 1,555 |
| Equity capital to assets | 3.5617% | 4,563 |
| Core capital (leverage) ratio | 9.3973% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1303% | 1,928 |
| Memoranda: | ||
| Average total assets | $476,219,200 | 1,781 |
| Average earning assets | $436,511,800 | 1,800 |
| Average equity | $26,521,200 | 2,505 |
| Average total loans | $229,670,000 | 2,057 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 2,065 |
| Cost of funding earning assets | 0.4455% | 1,004 |
| Net interest margin | 3.2486% | 2,464 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0576% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1671% | 1,831 |
| Return on assets (ROA) | 1.1162% | 1,988 |
| Pretax return on assets | 1.3879% | 1,751 |
| Return on Equity (ROE) | 18.3100% | 605 |
| Retained earnings to average equity (ytd only) | 12.8847% | 632 |
| Net charge-offs to loans | 0.0132% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 233.3636% | 568 |
| Efficiency ratio | 58.4515% | 3,332 |
| Assets per employee ($millions) | 7.6267% | 1,532 |
| Cash dividends to net income (ytd only)* | 29.6353% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,737 |
| Loan loss allowance to noncurrent loans | 355.2516% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,349 |
| Noncurrent loans to loans | 0.3843% | 1,857 |
| Net loans and leases to total assets | 48.0600% | 3,622 |
| Net loans and leases to deposits | 50.8411% | 3,798 |
| Net loans and leases to core deposits | 54.6778% | 3,710 |
| Total domestic deposits to total assets | 94.5300% | 283 |
| Equity capital to assets | 2.8213% | 4,605 |
| Core capital (leverage) ratio | 9.6837% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6492% | 1,830 |
| Memoranda: | ||
| Average total assets | $471,596,000 | 1,806 |
| Average earning assets | $433,615,250 | 1,814 |
| Average equity | $28,746,500 | 2,423 |
| Average total loans | $222,764,250 | 2,095 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 2,020 |
| Cost of funding earning assets | 0.3349% | 1,398 |
| Net interest margin | 3.2037% | 2,175 |
| Noninterest income to average assets | 0.5934% | 1,771 |
| Noninterest expense to average assets | 2.0326% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2138% | 1,386 |
| Return on assets (ROA) | 1.2341% | 1,296 |
| Pretax return on assets | 1.5418% | 1,064 |
| Return on Equity (ROE) | 17.0489% | 564 |
| Retained earnings to average equity (ytd only) | 10.1131% | 982 |
| Net charge-offs to loans | 0.0184% | 1,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 176.7000% | 582 |
| Efficiency ratio | 57.0910% | 3,675 |
| Assets per employee ($millions) | 6.4740% | 2,334 |
| Cash dividends to net income (ytd only)* | 40.6815% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,531 |
| Loan loss allowance to noncurrent loans | 905.0139% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,189 |
| Noncurrent loans to loans | 0.1610% | 2,889 |
| Net loans and leases to total assets | 48.4936% | 3,511 |
| Net loans and leases to deposits | 52.7409% | 3,630 |
| Net loans and leases to core deposits | 55.4207% | 3,617 |
| Total domestic deposits to total assets | 91.9469% | 853 |
| Equity capital to assets | 4.6577% | 4,537 |
| Core capital (leverage) ratio | 9.3203% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2501% | 1,640 |
| Memoranda: | ||
| Average total assets | $466,092,333 | 1,828 |
| Average earning assets | $429,999,000 | 1,843 |
| Average equity | $33,738,333 | 2,243 |
| Average total loans | $217,742,000 | 2,125 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3698% | 2,179 |
| Cost of funding earning assets | 0.2895% | 1,745 |
| Net interest margin | 3.0802% | 2,233 |
| Noninterest income to average assets | 0.3564% | 2,960 |
| Noninterest expense to average assets | 1.9350% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0371% | 1,736 |
| Return on assets (ROA) | 1.0776% | 1,591 |
| Pretax return on assets | 1.3349% | 1,426 |
| Return on Equity (ROE) | 12.7130% | 1,106 |
| Retained earnings to average equity (ytd only) | 12.7130% | 501 |
| Net charge-offs to loans | -0.0372% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8843% | 3,490 |
| Assets per employee ($millions) | 7.4045% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,490 |
| Loan loss allowance to noncurrent loans | 735.7942% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 3,166 |
| Noncurrent loans to loans | 0.2069% | 2,789 |
| Net loans and leases to total assets | 43.5405% | 3,773 |
| Net loans and leases to deposits | 48.2992% | 3,850 |
| Net loans and leases to core deposits | 50.8272% | 3,824 |
| Total domestic deposits to total assets | 90.1475% | 1,481 |
| Equity capital to assets | 6.7178% | 4,332 |
| Core capital (leverage) ratio | 9.8543% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8192% | 1,557 |
| Memoranda: | ||
| Average total assets | $472,548,000 | 1,819 |
| Average earning assets | $439,319,500 | 1,826 |
| Average equity | $40,053,500 | 2,053 |
| Average total loans | $215,106,500 | 2,137 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 1,950 |
| Cost of funding earning assets | 0.3630% | 1,824 |
| Net interest margin | 3.4032% | 2,018 |
| Noninterest income to average assets | 0.2415% | 3,931 |
| Noninterest expense to average assets | 2.0245% | 3,602 |
| Loan and lease loss provision to assets | 0.0499% | 2,061 |
| Net operating income to assets | 1.0364% | 2,532 |
| Return on assets (ROA) | 1.3662% | 1,442 |
| Pretax return on assets | 1.7288% | 1,075 |
| Return on Equity (ROE) | 13.1693% | 1,411 |
| Retained earnings to average equity (ytd only) | 11.5300% | 614 |
| Net charge-offs to loans | -0.0014% | 3,320 |
| Credit loss provision to net charge-offs | -7,333.3333% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5874% | 3,217 |
| Assets per employee ($millions) | 7.2444% | 1,766 |
| Cash dividends to net income (ytd only)* | 12.4481% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,463 |
| Loan loss allowance to noncurrent loans | 8,382.0513% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,073 |
| Noncurrent loans to loans | 0.0182% | 3,946 |
| Net loans and leases to total assets | 46.2039% | 3,673 |
| Net loans and leases to deposits | 53.7637% | 3,617 |
| Net loans and leases to core deposits | 56.7433% | 3,566 |
| Total domestic deposits to total assets | 85.9388% | 2,934 |
| Equity capital to assets | 10.3587% | 2,313 |
| Core capital (leverage) ratio | 9.8618% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0523% | 1,491 |
| Memoranda: | ||
| Average total assets | $440,992,000 | 1,860 |
| Average earning assets | $407,443,800 | 1,879 |
| Average equity | $45,750,400 | 1,902 |
| Average total loans | $206,974,200 | 2,193 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 1,812 |
| Cost of funding earning assets | 0.3794% | 1,859 |
| Net interest margin | 3.5011% | 1,858 |
| Noninterest income to average assets | 0.3087% | 3,582 |
| Noninterest expense to average assets | 1.9697% | 3,763 |
| Loan and lease loss provision to assets | 0.0670% | 1,662 |
| Net operating income to assets | 1.1702% | 2,276 |
| Return on assets (ROA) | 1.6104% | 1,050 |
| Pretax return on assets | 2.0542% | 728 |
| Return on Equity (ROE) | 15.5169% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.3128% | 591 |
| Net charge-offs to loans | -0.0039% | 3,359 |
| Credit loss provision to net charge-offs | -3,666.6667% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5412% | 3,587 |
| Assets per employee ($millions) | 6.8608% | 1,967 |
| Cash dividends to net income (ytd only)* | 14.2045% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 1,379 |
| Loan loss allowance to noncurrent loans | 7,609.3023% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 4,175 |
| Noncurrent loans to loans | 0.0208% | 4,047 |
| Net loans and leases to total assets | 44.2382% | 3,935 |
| Net loans and leases to deposits | 51.2499% | 3,936 |
| Net loans and leases to core deposits | 54.0524% | 3,917 |
| Total domestic deposits to total assets | 86.3186% | 2,627 |
| Equity capital to assets | 10.2829% | 2,626 |
| Core capital (leverage) ratio | 10.0678% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7205% | 1,420 |
| Memoranda: | ||
| Average total assets | $437,140,750 | 1,898 |
| Average earning assets | $402,681,250 | 1,910 |
| Average equity | $45,368,750 | 1,933 |
| Average total loans | $205,182,250 | 2,237 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 2,285 |
| Cost of funding earning assets | 0.3948% | 1,931 |
| Net interest margin | 3.3235% | 2,368 |
| Noninterest income to average assets | 0.3645% | 3,280 |
| Noninterest expense to average assets | 1.9068% | 3,947 |
| Loan and lease loss provision to assets | 0.1024% | 1,233 |
| Net operating income to assets | 1.1287% | 2,440 |
| Return on assets (ROA) | 1.6796% | 951 |
| Pretax return on assets | 2.1404% | 635 |
| Return on Equity (ROE) | 16.1303% | 933 |
| Retained earnings to average equity (ytd only) | 12.7773% | 765 |
| Net charge-offs to loans | -0.0049% | 3,431 |
| Credit loss provision to net charge-offs | -4,400.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0297% | 3,671 |
| Assets per employee ($millions) | 6.7609% | 1,976 |
| Cash dividends to net income (ytd only)* | 20.7871% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 1,274 |
| Loan loss allowance to noncurrent loans | 7,606.9767% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,032 |
| Noncurrent loans to loans | 0.0210% | 4,118 |
| Net loans and leases to total assets | 45.8136% | 3,917 |
| Net loans and leases to deposits | 53.3795% | 3,899 |
| Net loans and leases to core deposits | 57.6350% | 3,787 |
| Total domestic deposits to total assets | 85.8263% | 2,794 |
| Equity capital to assets | 10.4501% | 2,438 |
| Core capital (leverage) ratio | 9.6329% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9879% | 1,339 |
| Memoranda: | ||
| Average total assets | $429,629,333 | 1,914 |
| Average earning assets | $399,162,000 | 1,913 |
| Average equity | $44,735,667 | 1,943 |
| Average total loans | $204,701,667 | 2,247 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 2,776 |
| Cost of funding earning assets | 0.4027% | 2,071 |
| Net interest margin | 3.1507% | 2,840 |
| Noninterest income to average assets | 0.3654% | 3,265 |
| Noninterest expense to average assets | 1.7828% | 4,244 |
| Loan and lease loss provision to assets | 0.1695% | 734 |
| Net operating income to assets | 1.0461% | 2,649 |
| Return on assets (ROA) | 1.5766% | 1,227 |
| Pretax return on assets | 2.0098% | 932 |
| Return on Equity (ROE) | 15.1694% | 1,173 |
| Retained earnings to average equity (ytd only) | 15.1694% | 609 |
| Net charge-offs to loans | -0.0059% | 3,455 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9496% | 3,785 |
| Assets per employee ($millions) | 7.8440% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,337 |
| Loan loss allowance to noncurrent loans | 173.2296% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 2,076 |
| Noncurrent loans to loans | 0.9143% | 1,481 |
| Net loans and leases to total assets | 44.8746% | 4,046 |
| Net loans and leases to deposits | 51.8597% | 4,055 |
| Net loans and leases to core deposits | 55.8159% | 3,986 |
| Total domestic deposits to total assets | 86.5308% | 2,512 |
| Equity capital to assets | 9.7261% | 2,971 |
| Core capital (leverage) ratio | 10.2065% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6197% | 1,139 |
| Memoranda: | ||
| Average total assets | $424,713,500 | 1,918 |
| Average earning assets | $394,325,000 | 1,923 |
| Average equity | $44,141,500 | 1,947 |
| Average total loans | $204,750,500 | 2,249 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 2,883 |
| Cost of funding earning assets | 0.6732% | 1,857 |
| Net interest margin | 3.2761% | 3,140 |
| Noninterest income to average assets | 0.4469% | 2,875 |
| Noninterest expense to average assets | 2.1595% | 3,786 |
| Loan and lease loss provision to assets | 0.2807% | 1,360 |
| Net operating income to assets | 0.8500% | 2,898 |
| Return on assets (ROA) | 1.2326% | 1,546 |
| Pretax return on assets | 1.5414% | 1,219 |
| Return on Equity (ROE) | 11.9162% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.7190% | 467 |
| Net charge-offs to loans | 0.2536% | 683 |
| Credit loss provision to net charge-offs | 198.8304% | 2,167 |
| Earnings coverage of net charge-offs (x) | 9.5185% | 2,513 |
| Efficiency ratio | 61.4061% | 3,241 |
| Assets per employee ($millions) | 7.1843% | 1,456 |
| Cash dividends to net income (ytd only)* | 10.0469% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,650 |
| Loan loss allowance to noncurrent loans | 4,414.4928% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 4,137 |
| Noncurrent loans to loans | 0.0336% | 4,171 |
| Net loans and leases to total assets | 50.3551% | 3,797 |
| Net loans and leases to deposits | 59.3760% | 3,804 |
| Net loans and leases to core deposits | 65.4584% | 3,586 |
| Total domestic deposits to total assets | 84.8071% | 2,837 |
| Equity capital to assets | 11.1347% | 2,148 |
| Core capital (leverage) ratio | 10.0294% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8767% | 1,290 |
| Memoranda: | ||
| Average total assets | $363,370,400 | 1,990 |
| Average earning assets | $338,999,000 | 1,988 |
| Average equity | $37,587,600 | 2,105 |
| Average total loans | $202,267,000 | 2,215 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,128 |
| Cost of funding earning assets | 0.7204% | 1,905 |
| Net interest margin | 3.2255% | 3,408 |
| Noninterest income to average assets | 0.4121% | 3,017 |
| Noninterest expense to average assets | 2.0929% | 3,966 |
| Loan and lease loss provision to assets | 0.2036% | 1,965 |
| Net operating income to assets | 0.8931% | 2,733 |
| Return on assets (ROA) | 1.3596% | 1,302 |
| Pretax return on assets | 1.7174% | 935 |
| Return on Equity (ROE) | 13.4354% | 992 |
| Retained earnings to average equity (ytd only) | 11.7587% | 465 |
| Net charge-offs to loans | 0.3402% | 458 |
| Credit loss provision to net charge-offs | 105.0584% | 2,584 |
| Earnings coverage of net charge-offs (x) | 6.8658% | 2,619 |
| Efficiency ratio | 60.8811% | 3,241 |
| Assets per employee ($millions) | 6.8146% | 1,617 |
| Cash dividends to net income (ytd only)* | 12.4792% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,754 |
| Loan loss allowance to noncurrent loans | 71.6480% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 1,187 |
| Noncurrent loans to loans | 1.6540% | 838 |
| Net loans and leases to total assets | 55.0642% | 3,703 |
| Net loans and leases to deposits | 65.1946% | 3,679 |
| Net loans and leases to core deposits | 71.5888% | 3,513 |
| Total domestic deposits to total assets | 84.4613% | 2,651 |
| Equity capital to assets | 11.1902% | 2,240 |
| Core capital (leverage) ratio | 11.1765% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0602% | 1,235 |
| Memoranda: | ||
| Average total assets | $353,633,250 | 2,014 |
| Average earning assets | $330,157,250 | 2,008 |
| Average equity | $35,785,250 | 2,171 |
| Average total loans | $201,425,250 | 2,218 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,332 |
| Cost of funding earning assets | 0.7845% | 1,903 |
| Net interest margin | 3.2128% | 3,636 |
| Noninterest income to average assets | 0.3924% | 3,131 |
| Noninterest expense to average assets | 2.1700% | 3,876 |
| Loan and lease loss provision to assets | 0.2105% | 1,961 |
| Net operating income to assets | 0.8081% | 3,018 |
| Return on assets (ROA) | 1.0677% | 2,202 |
| Pretax return on assets | 1.3297% | 1,935 |
| Return on Equity (ROE) | 10.9917% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.2829% | 1,228 |
| Net charge-offs to loans | 0.5285% | 300 |
| Credit loss provision to net charge-offs | 69.3642% | 2,554 |
| Earnings coverage of net charge-offs (x) | 4.0058% | 2,631 |
| Efficiency ratio | 63.8342% | 2,845 |
| Assets per employee ($millions) | 6.4899% | 1,787 |
| Cash dividends to net income (ytd only)* | 24.6440% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 2,863 |
| Loan loss allowance to noncurrent loans | 479.8387% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 3,687 |
| Noncurrent loans to loans | 0.2361% | 3,529 |
| Net loans and leases to total assets | 58.1863% | 3,496 |
| Net loans and leases to deposits | 68.0735% | 3,559 |
| Net loans and leases to core deposits | 74.8295% | 3,385 |
| Total domestic deposits to total assets | 85.4756% | 2,219 |
| Equity capital to assets | 9.7701% | 3,403 |
| Core capital (leverage) ratio | 8.6856% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9523% | 2,199 |
| Memoranda: | ||
| Average total assets | $342,034,333 | 2,034 |
| Average earning assets | $318,667,667 | 2,036 |
| Average equity | $33,225,000 | 2,309 |
| Average total loans | $196,416,667 | 2,243 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,694 |
| Cost of funding earning assets | 0.8735% | 1,996 |
| Net interest margin | 3.1612% | 3,955 |
| Noninterest income to average assets | 0.4029% | 3,077 |
| Noninterest expense to average assets | 2.3492% | 3,657 |
| Loan and lease loss provision to assets | 0.2152% | 1,427 |
| Net operating income to assets | 0.6082% | 3,576 |
| Return on assets (ROA) | 0.8680% | 2,732 |
| Pretax return on assets | 1.1095% | 2,487 |
| Return on Equity (ROE) | 8.9628% | 2,124 |
| Retained earnings to average equity (ytd only) | 8.9628% | 984 |
| Net charge-offs to loans | 1.0866% | 141 |
| Credit loss provision to net charge-offs | 34.9515% | 2,124 |
| Earnings coverage of net charge-offs (x) | 1.6175% | 2,364 |
| Efficiency ratio | 69.9428% | 2,360 |
| Assets per employee ($millions) | 5.8158% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,760 |
| Loan loss allowance to noncurrent loans | 433.0059% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,782 |
| Noncurrent loans to loans | 0.2732% | 3,518 |
| Net loans and leases to total assets | 53.6476% | 4,016 |
| Net loans and leases to deposits | 61.4807% | 4,131 |
| Net loans and leases to core deposits | 68.0941% | 3,984 |
| Total domestic deposits to total assets | 87.2592% | 1,443 |
| Equity capital to assets | 9.5925% | 4,137 |
| Core capital (leverage) ratio | 9.3036% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0599% | 2,260 |
| Memoranda: | ||
| Average total assets | $334,579,000 | 2,022 |
| Average earning assets | $311,404,500 | 2,018 |
| Average equity | $32,400,500 | 2,336 |
| Average total loans | $189,588,500 | 2,264 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 3,431 |
| Cost of funding earning assets | 0.9186% | 2,120 |
| Net interest margin | 3.4187% | 3,685 |
| Noninterest income to average assets | 0.4743% | 2,882 |
| Noninterest expense to average assets | 2.2038% | 4,151 |
| Loan and lease loss provision to assets | 0.4697% | 279 |
| Net operating income to assets | 0.7727% | 3,636 |
| Return on assets (ROA) | 0.8432% | 3,496 |
| Pretax return on assets | 1.0392% | 3,364 |
| Return on Equity (ROE) | 8.6929% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.6929% | 789 |
| Net charge-offs to loans | 0.4876% | 388 |
| Credit loss provision to net charge-offs | 164.5857% | 1,577 |
| Earnings coverage of net charge-offs (x) | 4.9818% | 3,149 |
| Efficiency ratio | 60.5164% | 3,619 |
| Assets per employee ($millions) | 5.6211% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 1,850 |
| Loan loss allowance to noncurrent loans | 163.5954% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,389 |
| Noncurrent loans to loans | 0.8046% | 1,902 |
| Net loans and leases to total assets | 58.3856% | 3,736 |
| Net loans and leases to deposits | 67.1347% | 3,886 |
| Net loans and leases to core deposits | 75.7031% | 3,593 |
| Total domestic deposits to total assets | 86.9678% | 1,624 |
| Equity capital to assets | 9.7803% | 4,121 |
| Core capital (leverage) ratio | 8.9270% | 4,577 |
| Tier 1 risk-based capital ratio | 12.7266% | 3,930 |
| Total risk-based capital ratio | 13.8544% | 3,895 |
| Memoranda: | ||
| Average total assets | $308,690,000 | 2,113 |
| Average earning assets | $284,549,400 | 2,118 |
| Average equity | $29,944,000 | 2,397 |
| Average total loans | $180,681,200 | 2,305 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 3,595 |
| Cost of funding earning assets | 0.8945% | 2,258 |
| Net interest margin | 3.4252% | 3,792 |
| Noninterest income to average assets | 0.4617% | 2,951 |
| Noninterest expense to average assets | 2.1864% | 4,205 |
| Loan and lease loss provision to assets | 0.1971% | 893 |
| Net operating income to assets | 0.9897% | 3,018 |
| Return on assets (ROA) | 1.0531% | 2,862 |
| Pretax return on assets | 1.3111% | 2,626 |
| Return on Equity (ROE) | 10.8806% | 2,066 |
| Retained earnings to average equity (ytd only) | 10.8806% | 551 |
| Net charge-offs to loans | 0.0848% | 1,630 |
| Credit loss provision to net charge-offs | 398.2301% | 759 |
| Earnings coverage of net charge-offs (x) | 28.8678% | 1,669 |
| Efficiency ratio | 60.1963% | 3,604 |
| Assets per employee ($millions) | 5.7637% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,551 |
| Loan loss allowance to noncurrent loans | 479.6258% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 3,864 |
| Noncurrent loans to loans | 0.2483% | 3,656 |
| Net loans and leases to total assets | 58.2710% | 3,852 |
| Net loans and leases to deposits | 66.9836% | 3,998 |
| Net loans and leases to core deposits | 74.8330% | 3,775 |
| Total domestic deposits to total assets | 86.9929% | 1,523 |
| Equity capital to assets | 9.6893% | 4,303 |
| Core capital (leverage) ratio | 9.8195% | 3,829 |
| Tier 1 risk-based capital ratio | 12.6578% | 4,054 |
| Total risk-based capital ratio | 13.6953% | 4,062 |
| Memoranda: | ||
| Average total assets | $304,356,500 | 2,156 |
| Average earning assets | $280,229,500 | 2,159 |
| Average equity | $29,458,500 | 2,437 |
| Average total loans | $177,629,000 | 2,366 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 3,508 |
| Cost of funding earning assets | 0.9318% | 2,002 |
| Net interest margin | 3.4114% | 3,861 |
| Noninterest income to average assets | 0.4644% | 2,883 |
| Noninterest expense to average assets | 2.2363% | 4,156 |
| Loan and lease loss provision to assets | 0.2025% | 842 |
| Net operating income to assets | 0.9541% | 3,084 |
| Return on assets (ROA) | 0.9774% | 3,073 |
| Pretax return on assets | 1.1900% | 2,940 |
| Return on Equity (ROE) | 10.1021% | 2,344 |
| Retained earnings to average equity (ytd only) | 10.1021% | 724 |
| Net charge-offs to loans | 0.1324% | 1,143 |
| Credit loss provision to net charge-offs | 263.1579% | 981 |
| Earnings coverage of net charge-offs (x) | 17.7281% | 1,882 |
| Efficiency ratio | 61.8298% | 3,460 |
| Assets per employee ($millions) | 5.0877% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,561 |
| Loan loss allowance to noncurrent loans | 1,608.9552% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,354 |
| Noncurrent loans to loans | 0.0742% | 4,341 |
| Net loans and leases to total assets | 62.6214% | 3,483 |
| Net loans and leases to deposits | 70.3875% | 3,807 |
| Net loans and leases to core deposits | 77.1776% | 3,633 |
| Total domestic deposits to total assets | 88.9668% | 676 |
| Equity capital to assets | 10.7317% | 3,319 |
| Core capital (leverage) ratio | 9.2344% | 4,422 |
| Tier 1 risk-based capital ratio | 13.3288% | 3,679 |
| Total risk-based capital ratio | 14.3860% | 3,675 |
| Memoranda: | ||
| Average total assets | $296,299,000 | 2,204 |
| Average earning assets | $272,384,000 | 2,212 |
| Average equity | $28,667,330 | 2,474 |
| Average total loans | $172,257,330 | 2,433 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 3,979 |
| Cost of funding earning assets | 0.8775% | 2,112 |
| Net interest margin | 3.2808% | 4,209 |
| Noninterest income to average assets | 0.4186% | 3,064 |
| Noninterest expense to average assets | 2.2133% | 4,229 |
| Loan and lease loss provision to assets | 0.1987% | 811 |
| Net operating income to assets | 0.8819% | 3,301 |
| Return on assets (ROA) | 0.8583% | 3,456 |
| Pretax return on assets | 1.0146% | 3,398 |
| Return on Equity (ROE) | 9.3530% | 2,648 |
| Retained earnings to average equity (ytd only) | 9.3530% | 1,208 |
| Net charge-offs to loans | -0.0024% | 3,884 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7653% | 3,277 |
| Assets per employee ($millions) | 5.6283% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,325 |
| Loan loss allowance to noncurrent loans | 883.7500% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,265 |
| Noncurrent loans to loans | 0.1414% | 4,110 |
| Net loans and leases to total assets | 53.1605% | 4,259 |
| Net loans and leases to deposits | 58.6705% | 4,470 |
| Net loans and leases to core deposits | 64.7803% | 4,338 |
| Total domestic deposits to total assets | 90.6086% | 253 |
| Equity capital to assets | 9.1525% | 4,577 |
| Core capital (leverage) ratio | 9.2550% | 4,405 |
| Tier 1 risk-based capital ratio | 13.0100% | 3,874 |
| Total risk-based capital ratio | 14.0561% | 3,876 |
| Memoranda: | ||
| Average total assets | $301,992,500 | 2,191 |
| Average earning assets | $279,445,000 | 2,180 |
| Average equity | $27,713,000 | 2,537 |
| Average total loans | $168,100,000 | 2,492 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,907 |
| Cost of funding earning assets | 0.6781% | 2,224 |
| Net interest margin | 3.3666% | 4,086 |
| Noninterest income to average assets | 0.5114% | 2,769 |
| Noninterest expense to average assets | 2.2306% | 4,275 |
| Loan and lease loss provision to assets | 0.1307% | 1,681 |
| Net operating income to assets | 1.0724% | 2,710 |
| Return on assets (ROA) | 1.0712% | 2,696 |
| Pretax return on assets | 1.2429% | 2,727 |
| Return on Equity (ROE) | 11.8250% | 1,776 |
| Retained earnings to average equity (ytd only) | 11.8250% | 333 |
| Net charge-offs to loans | 0.0687% | 2,133 |
| Credit loss provision to net charge-offs | 356.4356% | 895 |
| Earnings coverage of net charge-offs (x) | 37.5050% | 1,377 |
| Efficiency ratio | 61.5524% | 3,613 |
| Assets per employee ($millions) | 5.3482% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,659 |
| Loan loss allowance to noncurrent loans | 899.5434% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,279 |
| Noncurrent loans to loans | 0.1315% | 4,146 |
| Net loans and leases to total assets | 56.9788% | 4,050 |
| Net loans and leases to deposits | 62.9723% | 4,317 |
| Net loans and leases to core deposits | 70.8871% | 4,071 |
| Total domestic deposits to total assets | 90.4824% | 329 |
| Equity capital to assets | 9.2032% | 4,404 |
| Core capital (leverage) ratio | 9.1235% | 4,540 |
| Tier 1 risk-based capital ratio | 12.8715% | 3,923 |
| Total risk-based capital ratio | 13.8574% | 3,951 |
| Memoranda: | ||
| Average total assets | $275,491,800 | 2,292 |
| Average earning assets | $253,192,600 | 2,317 |
| Average equity | $24,955,600 | 2,646 |
| Average total loans | $146,932,000 | 2,680 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 4,172 |
| Cost of funding earning assets | 0.6147% | 2,376 |
| Net interest margin | 3.3024% | 4,272 |
| Noninterest income to average assets | 0.5256% | 2,714 |
| Noninterest expense to average assets | 2.1325% | 4,484 |
| Loan and lease loss provision to assets | 0.1029% | 1,948 |
| Net operating income to assets | 1.1421% | 2,478 |
| Return on assets (ROA) | 1.1405% | 2,500 |
| Pretax return on assets | 1.3227% | 2,533 |
| Return on Equity (ROE) | 12.6434% | 1,565 |
| Retained earnings to average equity (ytd only) | 12.6434% | 398 |
| Net charge-offs to loans | 0.0713% | 1,819 |
| Credit loss provision to net charge-offs | 276.3158% | 1,091 |
| Earnings coverage of net charge-offs (x) | 38.3424% | 1,390 |
| Efficiency ratio | 59.5844% | 3,868 |
| Assets per employee ($millions) | 5.3890% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,912 |
| Loan loss allowance to noncurrent loans | 346.1538% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,854 |
| Noncurrent loans to loans | 0.3319% | 3,475 |
| Net loans and leases to total assets | 54.5557% | 4,323 |
| Net loans and leases to deposits | 59.7666% | 4,563 |
| Net loans and leases to core deposits | 66.2952% | 4,396 |
| Total domestic deposits to total assets | 91.2813% | 171 |
| Equity capital to assets | 8.5252% | 4,908 |
| Core capital (leverage) ratio | 9.3880% | 4,291 |
| Tier 1 risk-based capital ratio | 12.8080% | 4,016 |
| Total risk-based capital ratio | 13.7499% | 4,087 |
| Memoranda: | ||
| Average total assets | $272,164,250 | 2,324 |
| Average earning assets | $250,075,000 | 2,352 |
| Average equity | $24,549,750 | 2,683 |
| Average total loans | $142,033,500 | 2,761 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 4,204 |
| Cost of funding earning assets | 0.5759% | 2,389 |
| Net interest margin | 3.2783% | 4,313 |
| Noninterest income to average assets | 0.5589% | 2,527 |
| Noninterest expense to average assets | 2.1272% | 4,545 |
| Loan and lease loss provision to assets | 0.0903% | 2,120 |
| Net operating income to assets | 1.1836% | 2,263 |
| Return on assets (ROA) | 1.1810% | 2,275 |
| Pretax return on assets | 1.3442% | 2,346 |
| Return on Equity (ROE) | 12.8355% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.8355% | 405 |
| Net charge-offs to loans | 0.0648% | 1,695 |
| Credit loss provision to net charge-offs | 272.7273% | 1,082 |
| Earnings coverage of net charge-offs (x) | 43.4318% | 1,233 |
| Efficiency ratio | 59.3585% | 4,033 |
| Assets per employee ($millions) | 4.7464% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,628 |
| Loan loss allowance to noncurrent loans | 395.3540% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,138 |
| Noncurrent loans to loans | 0.3076% | 3,609 |
| Net loans and leases to total assets | 54.6170% | 4,282 |
| Net loans and leases to deposits | 61.6610% | 4,439 |
| Net loans and leases to core deposits | 67.0338% | 4,310 |
| Total domestic deposits to total assets | 88.5763% | 1,106 |
| Equity capital to assets | 9.3308% | 4,259 |
| Core capital (leverage) ratio | 9.1991% | 4,466 |
| Tier 1 risk-based capital ratio | 13.4069% | 3,667 |
| Total risk-based capital ratio | 14.3905% | 3,740 |
| Memoranda: | ||
| Average total assets | $265,883,330 | 2,376 |
| Average earning assets | $243,786,670 | 2,406 |
| Average equity | $24,463,330 | 2,709 |
| Average total loans | $135,842,670 | 2,844 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,523 |
| Cost of funding earning assets | 0.5229% | 2,607 |
| Net interest margin | 3.1521% | 4,595 |
| Noninterest income to average assets | 0.4513% | 3,100 |
| Noninterest expense to average assets | 1.9870% | 4,877 |
| Loan and lease loss provision to assets | 0.0903% | 2,000 |
| Net operating income to assets | 1.0710% | 2,561 |
| Return on assets (ROA) | 1.0710% | 2,574 |
| Pretax return on assets | 1.2665% | 2,490 |
| Return on Equity (ROE) | 11.7228% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.7228% | 733 |
| Net charge-offs to loans | 0.1351% | 998 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,465 |
| Efficiency ratio | 59.0643% | 4,203 |
| Assets per employee ($millions) | 5.6897% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,126 |
| Loan loss allowance to noncurrent loans | 390.7240% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 4,293 |
| Noncurrent loans to loans | 0.3389% | 3,547 |
| Net loans and leases to total assets | 46.1558% | 4,788 |
| Net loans and leases to deposits | 50.5722% | 4,941 |
| Net loans and leases to core deposits | 54.3470% | 4,903 |
| Total domestic deposits to total assets | 91.2671% | 233 |
| Equity capital to assets | 8.5834% | 4,912 |
| Core capital (leverage) ratio | 9.3221% | 4,292 |
| Tier 1 risk-based capital ratio | 14.3196% | 3,217 |
| Total risk-based capital ratio | 15.3724% | 3,239 |
| Memoranda: | ||
| Average total assets | $265,926,000 | 2,391 |
| Average earning assets | $244,028,500 | 2,426 |
| Average equity | $24,294,500 | 2,745 |
| Average total loans | $130,285,000 | 2,931 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 4,462 |
| Cost of funding earning assets | 0.4917% | 2,410 |
| Net interest margin | 3.1540% | 4,560 |
| Noninterest income to average assets | 0.5662% | 2,620 |
| Noninterest expense to average assets | 2.1379% | 4,681 |
| Loan and lease loss provision to assets | 0.0965% | 2,279 |
| Net operating income to assets | 0.9698% | 2,366 |
| Return on assets (ROA) | 1.0022% | 2,268 |
| Pretax return on assets | 1.2700% | 2,469 |
| Return on Equity (ROE) | 10.6034% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.5611% | 1,252 |
| Net charge-offs to loans | -0.0017% | 4,522 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3679% | 4,038 |
| Assets per employee ($millions) | 5.3842% | 2,073 |
| Cash dividends to net income (ytd only)* | 38.1220% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,153 |
| Loan loss allowance to noncurrent loans | 799.5327% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 4,699 |
| Noncurrent loans to loans | 0.1644% | 4,274 |
| Net loans and leases to total assets | 50.7601% | 4,605 |
| Net loans and leases to deposits | 56.7500% | 4,757 |
| Net loans and leases to core deposits | 61.3063% | 4,695 |
| Total domestic deposits to total assets | 89.4451% | 802 |
| Equity capital to assets | 9.7444% | 3,975 |
| Core capital (leverage) ratio | 9.0036% | 4,646 |
| Tier 1 risk-based capital ratio | 14.0222% | 3,349 |
| Total risk-based capital ratio | 15.0739% | 3,370 |
| Memoranda: | ||
| Average total assets | $248,661,000 | 2,498 |
| Average earning assets | $228,406,000 | 2,513 |
| Average equity | $23,502,000 | 2,806 |
| Average total loans | $118,689,200 | 3,073 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,677 |
| Cost of funding earning assets | 0.4835% | 2,403 |
| Net interest margin | 3.0699% | 4,776 |
| Noninterest income to average assets | 0.5930% | 2,515 |
| Noninterest expense to average assets | 2.0003% | 4,955 |
| Loan and lease loss provision to assets | 0.0969% | 2,166 |
| Net operating income to assets | 1.0715% | 2,223 |
| Return on assets (ROA) | 1.0890% | 2,193 |
| Pretax return on assets | 1.3421% | 2,317 |
| Return on Equity (ROE) | 11.6140% | 1,456 |
| Retained earnings to average equity (ytd only) | 10.7525% | 450 |
| Net charge-offs to loans | -0.0023% | 4,336 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1626% | 4,481 |
| Assets per employee ($millions) | 5.6950% | 1,725 |
| Cash dividends to net income (ytd only)* | 7.4186% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 2,324 |
| Loan loss allowance to noncurrent loans | 711.6379% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,795 |
| Noncurrent loans to loans | 0.1837% | 4,334 |
| Net loans and leases to total assets | 47.5696% | 4,856 |
| Net loans and leases to deposits | 53.1058% | 5,002 |
| Net loans and leases to core deposits | 56.6807% | 4,961 |
| Total domestic deposits to total assets | 89.5751% | 629 |
| Equity capital to assets | 9.6897% | 4,253 |
| Core capital (leverage) ratio | 9.5123% | 4,149 |
| Tier 1 risk-based capital ratio | 14.6821% | 3,079 |
| Total risk-based capital ratio | 15.7298% | 3,109 |
| Memoranda: | ||
| Average total assets | $247,562,000 | 2,525 |
| Average earning assets | $227,800,250 | 2,537 |
| Average equity | $23,212,750 | 2,859 |
| Average total loans | $115,820,750 | 3,137 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 4,684 |
| Cost of funding earning assets | 0.4921% | 2,241 |
| Net interest margin | 3.0381% | 4,823 |
| Noninterest income to average assets | 0.6525% | 2,193 |
| Noninterest expense to average assets | 1.9979% | 4,985 |
| Loan and lease loss provision to assets | 0.0989% | 2,038 |
| Net operating income to assets | 1.1017% | 1,967 |
| Return on assets (ROA) | 1.1476% | 1,837 |
| Pretax return on assets | 1.4039% | 2,007 |
| Return on Equity (ROE) | 12.3883% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.0543% | 432 |
| Net charge-offs to loans | -0.0036% | 4,266 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6417% | 4,645 |
| Assets per employee ($millions) | 5.1832% | 2,172 |
| Cash dividends to net income (ytd only)* | 10.7681% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 2,218 |
| Loan loss allowance to noncurrent loans | 646.7480% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,800 |
| Noncurrent loans to loans | 0.2074% | 4,292 |
| Net loans and leases to total assets | 47.0242% | 4,882 |
| Net loans and leases to deposits | 53.2050% | 5,004 |
| Net loans and leases to core deposits | 57.0400% | 4,953 |
| Total domestic deposits to total assets | 88.3831% | 1,263 |
| Equity capital to assets | 9.9693% | 3,946 |
| Core capital (leverage) ratio | 9.0473% | 4,672 |
| Tier 1 risk-based capital ratio | 15.1003% | 2,886 |
| Total risk-based capital ratio | 16.1680% | 2,895 |
| Memoranda: | ||
| Average total assets | $242,760,000 | 2,572 |
| Average earning assets | $223,103,330 | 2,593 |
| Average equity | $22,489,000 | 2,927 |
| Average total loans | $112,338,330 | 3,188 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 4,812 |
| Cost of funding earning assets | 0.4576% | 2,456 |
| Net interest margin | 2.9989% | 4,896 |
| Noninterest income to average assets | 0.5356% | 2,734 |
| Noninterest expense to average assets | 2.0338% | 4,971 |
| Loan and lease loss provision to assets | 0.1001% | 1,890 |
| Net operating income to assets | 0.9438% | 2,547 |
| Return on assets (ROA) | 0.9794% | 2,445 |
| Pretax return on assets | 1.1896% | 2,634 |
| Return on Equity (ROE) | 11.0069% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.0069% | 606 |
| Net charge-offs to loans | -0.0037% | 4,103 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5972% | 4,214 |
| Assets per employee ($millions) | 5.8667% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,281 |
| Loan loss allowance to noncurrent loans | 465.0456% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,753 |
| Noncurrent loans to loans | 0.2917% | 4,066 |
| Net loans and leases to total assets | 43.1078% | 5,094 |
| Net loans and leases to deposits | 48.1252% | 5,214 |
| Net loans and leases to core deposits | 52.6272% | 5,122 |
| Total domestic deposits to total assets | 89.5744% | 865 |
| Equity capital to assets | 8.4995% | 5,244 |
| Core capital (leverage) ratio | 9.2846% | 4,367 |
| Tier 1 risk-based capital ratio | 14.5947% | 3,160 |
| Total risk-based capital ratio | 15.6662% | 3,173 |
| Memoranda: | ||
| Average total assets | $239,743,500 | 2,616 |
| Average earning assets | $219,413,500 | 2,645 |
| Average equity | $21,332,000 | 3,051 |
| Average total loans | $109,215,500 | 3,261 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 4,974 |
| Cost of funding earning assets | 0.4136% | 2,876 |
| Net interest margin | 2.9884% | 4,980 |
| Noninterest income to average assets | 0.6936% | 2,207 |
| Noninterest expense to average assets | 2.2226% | 4,722 |
| Loan and lease loss provision to assets | 0.1080% | 2,246 |
| Net operating income to assets | 0.8817% | 2,920 |
| Return on assets (ROA) | 1.1289% | 1,873 |
| Pretax return on assets | 1.4241% | 1,844 |
| Return on Equity (ROE) | 11.0922% | 1,548 |
| Retained earnings to average equity (ytd only) | 7.3329% | 1,101 |
| Net charge-offs to loans | -0.0072% | 4,871 |
| Credit loss provision to net charge-offs | -3,428.5714% | 5,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9859% | 3,943 |
| Assets per employee ($millions) | 4.7096% | 2,772 |
| Cash dividends to net income (ytd only)* | 33.8915% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 2,119 |
| Loan loss allowance to noncurrent loans | 658.7444% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,859 |
| Noncurrent loans to loans | 0.2111% | 4,396 |
| Net loans and leases to total assets | 47.0543% | 4,952 |
| Net loans and leases to deposits | 54.1861% | 5,003 |
| Net loans and leases to core deposits | 55.8633% | 5,048 |
| Total domestic deposits to total assets | 86.8382% | 2,228 |
| Equity capital to assets | 9.3624% | 4,412 |
| Core capital (leverage) ratio | 9.1190% | 4,595 |
| Tier 1 risk-based capital ratio | 15.1014% | 2,923 |
| Total risk-based capital ratio | 16.1952% | 2,924 |
| Memoranda: | ||
| Average total assets | $222,169,200 | 2,739 |
| Average earning assets | $204,324,800 | 2,747 |
| Average equity | $22,610,400 | 2,931 |
| Average total loans | $96,919,400 | 3,446 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 5,142 |
| Cost of funding earning assets | 0.4086% | 2,939 |
| Net interest margin | 2.9322% | 5,127 |
| Noninterest income to average assets | 0.7045% | 2,148 |
| Noninterest expense to average assets | 2.1705% | 4,846 |
| Loan and lease loss provision to assets | 0.1079% | 2,125 |
| Net operating income to assets | 0.8849% | 2,982 |
| Return on assets (ROA) | 1.2058% | 1,720 |
| Pretax return on assets | 1.5439% | 1,563 |
| Return on Equity (ROE) | 11.6163% | 1,446 |
| Retained earnings to average equity (ytd only) | 11.6163% | 345 |
| Net charge-offs to loans | -0.0169% | 4,953 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0339% | 4,069 |
| Assets per employee ($millions) | 5.0014% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 2,143 |
| Loan loss allowance to noncurrent loans | 552.3438% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 4,800 |
| Noncurrent loans to loans | 0.2559% | 4,350 |
| Net loans and leases to total assets | 41.9637% | 5,293 |
| Net loans and leases to deposits | 48.2931% | 5,370 |
| Net loans and leases to core deposits | 49.8222% | 5,392 |
| Total domestic deposits to total assets | 86.8938% | 1,933 |
| Equity capital to assets | 10.3946% | 3,688 |
| Core capital (leverage) ratio | 9.6560% | 3,992 |
| Tier 1 risk-based capital ratio | 16.3376% | 2,475 |
| Total risk-based capital ratio | 17.4571% | 2,495 |
| Memoranda: | ||
| Average total assets | $222,373,250 | 2,746 |
| Average earning assets | $205,257,500 | 2,749 |
| Average equity | $23,082,000 | 2,903 |
| Average total loans | $94,743,000 | 3,498 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 5,133 |
| Cost of funding earning assets | 0.4178% | 2,856 |
| Net interest margin | 2.9583% | 5,156 |
| Noninterest income to average assets | 0.6051% | 2,596 |
| Noninterest expense to average assets | 2.1610% | 4,930 |
| Loan and lease loss provision to assets | 0.1100% | 2,033 |
| Net operating income to assets | 0.8219% | 3,207 |
| Return on assets (ROA) | 1.0874% | 2,131 |
| Pretax return on assets | 1.4055% | 2,003 |
| Return on Equity (ROE) | 10.4810% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.4810% | 509 |
| Net charge-offs to loans | -0.0172% | 4,888 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2543% | 3,974 |
| Assets per employee ($millions) | 4.4099% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,321 |
| Loan loss allowance to noncurrent loans | 478.7234% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,721 |
| Noncurrent loans to loans | 0.2911% | 4,330 |
| Net loans and leases to total assets | 43.3232% | 5,267 |
| Net loans and leases to deposits | 50.6205% | 5,309 |
| Net loans and leases to core deposits | 53.5265% | 5,300 |
| Total domestic deposits to total assets | 85.5842% | 2,614 |
| Equity capital to assets | 11.1949% | 2,852 |
| Core capital (leverage) ratio | 9.0765% | 4,742 |
| Tier 1 risk-based capital ratio | 16.0301% | 2,628 |
| Total risk-based capital ratio | 17.1232% | 2,640 |
| Memoranda: | ||
| Average total assets | $218,142,670 | 2,787 |
| Average earning assets | $201,060,000 | 2,803 |
| Average equity | $22,631,330 | 2,962 |
| Average total loans | $92,972,000 | 3,547 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3055% | 5,312 |
| Cost of funding earning assets | 0.4227% | 2,835 |
| Net interest margin | 2.8828% | 5,351 |
| Noninterest income to average assets | 0.5328% | 2,918 |
| Noninterest expense to average assets | 2.1718% | 4,974 |
| Loan and lease loss provision to assets | 0.1106% | 1,885 |
| Net operating income to assets | 0.7154% | 3,635 |
| Return on assets (ROA) | 0.9236% | 2,739 |
| Pretax return on assets | 1.1670% | 2,830 |
| Return on Equity (ROE) | 9.2756% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.2756% | 1,033 |
| Net charge-offs to loans | -0.0176% | 4,791 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5347% | 3,539 |
| Assets per employee ($millions) | 5.1147% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 2,506 |
| Loan loss allowance to noncurrent loans | 425.8278% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 4,799 |
| Noncurrent loans to loans | 0.3245% | 4,272 |
| Net loans and leases to total assets | 39.8821% | 5,457 |
| Net loans and leases to deposits | 45.4200% | 5,541 |
| Net loans and leases to core deposits | 47.5395% | 5,530 |
| Total domestic deposits to total assets | 87.8072% | 1,744 |
| Equity capital to assets | 9.5503% | 4,620 |
| Core capital (leverage) ratio | 9.3500% | 4,429 |
| Tier 1 risk-based capital ratio | 15.7126% | 2,820 |
| Total risk-based capital ratio | 16.7746% | 2,837 |
| Memoranda: | ||
| Average total assets | $216,967,000 | 2,810 |
| Average earning assets | $199,666,000 | 2,820 |
| Average equity | $21,605,000 | 3,052 |
| Average total loans | $91,020,500 | 3,601 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 4,857 |
| Cost of funding earning assets | 0.4174% | 2,968 |
| Net interest margin | 3.1053% | 4,887 |
| Noninterest income to average assets | 0.5771% | 2,848 |
| Noninterest expense to average assets | 2.2206% | 5,006 |
| Loan and lease loss provision to assets | 0.0863% | 2,571 |
| Net operating income to assets | 0.9059% | 2,839 |
| Return on assets (ROA) | 1.0041% | 2,434 |
| Pretax return on assets | 1.2212% | 2,587 |
| Return on Equity (ROE) | 10.3098% | 1,879 |
| Retained earnings to average equity (ytd only) | 6.3729% | 1,619 |
| Net charge-offs to loans | 0.0569% | 3,083 |
| Credit loss provision to net charge-offs | 375.0000% | 794 |
| Earnings coverage of net charge-offs (x) | 51.6250% | 977 |
| Efficiency ratio | 64.5198% | 4,164 |
| Assets per employee ($millions) | 4.5283% | 2,996 |
| Cash dividends to net income (ytd only)* | 38.1862% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 2,541 |
| Loan loss allowance to noncurrent loans | 390.4153% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,613 |
| Noncurrent loans to loans | 0.3518% | 4,206 |
| Net loans and leases to total assets | 43.0577% | 5,343 |
| Net loans and leases to deposits | 50.1088% | 5,386 |
| Net loans and leases to core deposits | 52.3499% | 5,400 |
| Total domestic deposits to total assets | 85.9285% | 2,672 |
| Equity capital to assets | 10.4180% | 3,462 |
| Core capital (leverage) ratio | 9.0094% | 4,875 |
| Tier 1 risk-based capital ratio | 16.7616% | 2,374 |
| Total risk-based capital ratio | 17.8641% | 2,381 |
| Memoranda: | ||
| Average total assets | $208,638,800 | 2,866 |
| Average earning assets | $190,223,400 | 2,886 |
| Average equity | $20,320,400 | 3,141 |
| Average total loans | $84,344,000 | 3,714 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4908% | 4,999 |
| Cost of funding earning assets | 0.4069% | 3,154 |
| Net interest margin | 3.0840% | 5,003 |
| Noninterest income to average assets | 0.5731% | 2,893 |
| Noninterest expense to average assets | 2.1341% | 5,205 |
| Loan and lease loss provision to assets | 0.0858% | 2,446 |
| Net operating income to assets | 0.9355% | 2,776 |
| Return on assets (ROA) | 1.0585% | 2,274 |
| Pretax return on assets | 1.3126% | 2,346 |
| Return on Equity (ROE) | 11.0549% | 1,685 |
| Retained earnings to average equity (ytd only) | 9.0642% | 878 |
| Net charge-offs to loans | 0.0593% | 2,760 |
| Credit loss provision to net charge-offs | 364.8649% | 816 |
| Earnings coverage of net charge-offs (x) | 53.0292% | 1,004 |
| Efficiency ratio | 62.4883% | 4,497 |
| Assets per employee ($millions) | 4.8448% | 2,498 |
| Cash dividends to net income (ytd only)* | 18.0072% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 2,762 |
| Loan loss allowance to noncurrent loans | 363.3028% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 4,353 |
| Noncurrent loans to loans | 0.3757% | 4,272 |
| Net loans and leases to total assets | 38.5164% | 5,670 |
| Net loans and leases to deposits | 44.0251% | 5,721 |
| Net loans and leases to core deposits | 45.5437% | 5,745 |
| Total domestic deposits to total assets | 87.4873% | 1,808 |
| Equity capital to assets | 9.3264% | 4,973 |
| Core capital (leverage) ratio | 9.5834% | 4,192 |
| Tier 1 risk-based capital ratio | 17.3570% | 2,235 |
| Total risk-based capital ratio | 18.4585% | 2,240 |
| Memoranda: | ||
| Average total assets | $209,855,250 | 2,868 |
| Average earning assets | $191,048,000 | 2,903 |
| Average equity | $20,093,250 | 3,193 |
| Average total loans | $83,189,500 | 3,776 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 4,597 |
| Cost of funding earning assets | 0.4161% | 3,082 |
| Net interest margin | 3.2271% | 4,573 |
| Noninterest income to average assets | 0.5450% | 3,075 |
| Noninterest expense to average assets | 2.2139% | 5,072 |
| Loan and lease loss provision to assets | 0.0876% | 2,357 |
| Net operating income to assets | 0.9490% | 2,637 |
| Return on assets (ROA) | 1.1240% | 1,950 |
| Pretax return on assets | 1.3877% | 2,036 |
| Return on Equity (ROE) | 11.6299% | 1,490 |
| Retained earnings to average equity (ytd only) | 8.6091% | 1,040 |
| Net charge-offs to loans | 0.1123% | 1,880 |
| Credit loss provision to net charge-offs | 195.6522% | 1,258 |
| Earnings coverage of net charge-offs (x) | 28.1304% | 1,427 |
| Efficiency ratio | 63.1269% | 4,495 |
| Assets per employee ($millions) | 4.2338% | 3,407 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 3,024 |
| Loan loss allowance to noncurrent loans | 300.7958% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 4,156 |
| Noncurrent loans to loans | 0.4460% | 4,137 |
| Net loans and leases to total assets | 42.8164% | 5,448 |
| Net loans and leases to deposits | 49.6511% | 5,522 |
| Net loans and leases to core deposits | 51.4173% | 5,561 |
| Total domestic deposits to total assets | 86.2345% | 2,564 |
| Equity capital to assets | 9.9520% | 4,089 |
| Core capital (leverage) ratio | 9.0904% | 4,835 |
| Tier 1 risk-based capital ratio | 17.1403% | 2,352 |
| Total risk-based capital ratio | 18.2080% | 2,374 |
| Memoranda: | ||
| Average total assets | $205,520,000 | 2,940 |
| Average earning assets | $186,485,000 | 2,969 |
| Average equity | $19,862,670 | 3,227 |
| Average total loans | $81,910,670 | 3,827 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,773 |
| Cost of funding earning assets | 0.4048% | 3,250 |
| Net interest margin | 3.1672% | 4,727 |
| Noninterest income to average assets | 0.4874% | 3,372 |
| Noninterest expense to average assets | 2.1280% | 5,325 |
| Loan and lease loss provision to assets | 0.0853% | 2,268 |
| Net operating income to assets | 0.8992% | 2,744 |
| Return on assets (ROA) | 1.2025% | 1,635 |
| Pretax return on assets | 1.5419% | 1,417 |
| Return on Equity (ROE) | 12.6150% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.6150% | 491 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5915% | 4,690 |
| Assets per employee ($millions) | 4.8895% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 3,019 |
| Loan loss allowance to noncurrent loans | 304.2895% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 4,371 |
| Noncurrent loans to loans | 0.4536% | 4,224 |
| Net loans and leases to total assets | 36.8559% | 5,783 |
| Net loans and leases to deposits | 42.1806% | 5,825 |
| Net loans and leases to core deposits | 43.3808% | 5,858 |
| Total domestic deposits to total assets | 87.3765% | 2,178 |
| Equity capital to assets | 9.2693% | 5,006 |
| Core capital (leverage) ratio | 9.0856% | 4,860 |
| Tier 1 risk-based capital ratio | 17.1110% | 2,440 |
| Total risk-based capital ratio | 18.1915% | 2,453 |
| Memoranda: | ||
| Average total assets | $210,902,500 | 2,899 |
| Average earning assets | $191,714,000 | 2,929 |
| Average equity | $20,103,000 | 3,229 |
| Average total loans | $80,605,500 | 3,871 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 5,435 |
| Cost of funding earning assets | 0.4983% | 2,696 |
| Net interest margin | 2.9498% | 5,552 |
| Noninterest income to average assets | 0.5509% | 3,172 |
| Noninterest expense to average assets | 2.3456% | 4,986 |
| Loan and lease loss provision to assets | 0.0929% | 2,613 |
| Net operating income to assets | 0.6690% | 4,044 |
| Return on assets (ROA) | 0.7801% | 3,559 |
| Pretax return on assets | 0.9247% | 3,804 |
| Return on Equity (ROE) | 8.6628% | 2,751 |
| Retained earnings to average equity (ytd only) | -1.2633% | 5,952 |
| Net charge-offs to loans | 0.2553% | 1,678 |
| Credit loss provision to net charge-offs | 94.1176% | 2,553 |
| Earnings coverage of net charge-offs (x) | 8.9706% | 2,808 |
| Efficiency ratio | 72.2063% | 3,170 |
| Assets per employee ($millions) | 4.6925% | 2,738 |
| Cash dividends to net income (ytd only)* | 114.5833% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 3,047 |
| Loan loss allowance to noncurrent loans | 263.9225% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 4,230 |
| Noncurrent loans to loans | 0.5229% | 4,104 |
| Net loans and leases to total assets | 38.6033% | 5,815 |
| Net loans and leases to deposits | 45.4879% | 5,817 |
| Net loans and leases to core deposits | 47.0866% | 5,848 |
| Total domestic deposits to total assets | 84.8650% | 3,346 |
| Equity capital to assets | 9.8182% | 4,326 |
| Core capital (leverage) ratio | 8.4682% | 5,586 |
| Tier 1 risk-based capital ratio | 15.9260% | 3,000 |
| Total risk-based capital ratio | 16.9287% | 3,069 |
| Memoranda: | ||
| Average total assets | $172,276,400 | 3,304 |
| Average earning assets | $156,517,000 | 3,333 |
| Average equity | $15,514,600 | 3,744 |
| Average total loans | $66,578,000 | 4,279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3710% | 5,638 |
| Cost of funding earning assets | 0.5094% | 2,668 |
| Net interest margin | 2.8616% | 5,776 |
| Noninterest income to average assets | 0.5385% | 3,269 |
| Noninterest expense to average assets | 2.2114% | 5,326 |
| Loan and lease loss provision to assets | 0.0728% | 2,887 |
| Net operating income to assets | 0.6990% | 3,944 |
| Return on assets (ROA) | 0.7859% | 3,594 |
| Pretax return on assets | 0.9581% | 3,767 |
| Return on Equity (ROE) | 8.9746% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.6052% | 1,121 |
| Net charge-offs to loans | 0.0147% | 4,262 |
| Credit loss provision to net charge-offs | 1,285.7143% | 266 |
| Earnings coverage of net charge-offs (x) | 163.4834% | 383 |
| Efficiency ratio | 70.2243% | 3,474 |
| Assets per employee ($millions) | 4.6838% | 2,691 |
| Cash dividends to net income (ytd only)* | 4.1151% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 1,683 |
| Loan loss allowance to noncurrent loans | 203.2646% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 3,212 |
| Noncurrent loans to loans | 0.8876% | 3,352 |
| Net loans and leases to total assets | 36.1752% | 6,023 |
| Net loans and leases to deposits | 41.8662% | 6,057 |
| Net loans and leases to core deposits | 42.6725% | 6,099 |
| Total domestic deposits to total assets | 86.4066% | 2,635 |
| Equity capital to assets | 8.5699% | 5,747 |
| Core capital (leverage) ratio | 9.6582% | 4,139 |
| Tier 1 risk-based capital ratio | 17.3085% | 2,469 |
| Total risk-based capital ratio | 18.5600% | 2,427 |
| Memoranda: | ||
| Average total assets | $164,901,000 | 3,440 |
| Average earning assets | $149,705,000 | 3,473 |
| Average equity | $14,440,500 | 3,969 |
| Average total loans | $63,476,750 | 4,416 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,545 |
| Cost of funding earning assets | 0.5245% | 2,593 |
| Net interest margin | 2.9145% | 5,713 |
| Noninterest income to average assets | 0.5569% | 3,070 |
| Noninterest expense to average assets | 2.2723% | 5,223 |
| Loan and lease loss provision to assets | 0.0747% | 2,780 |
| Net operating income to assets | 0.6968% | 3,856 |
| Return on assets (ROA) | 0.7724% | 3,560 |
| Pretax return on assets | 0.9393% | 3,729 |
| Return on Equity (ROE) | 8.7511% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.1865% | 1,251 |
| Net charge-offs to loans | 0.0223% | 3,762 |
| Credit loss provision to net charge-offs | 857.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 105.7143% | 537 |
| Efficiency ratio | 70.8658% | 3,517 |
| Assets per employee ($millions) | 4.7424% | 2,547 |
| Cash dividends to net income (ytd only)* | 6.4516% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 1,678 |
| Loan loss allowance to noncurrent loans | 185.9677% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 2,910 |
| Noncurrent loans to loans | 1.0002% | 3,233 |
| Net loans and leases to total assets | 40.0874% | 5,806 |
| Net loans and leases to deposits | 47.7680% | 5,785 |
| Net loans and leases to core deposits | 48.8811% | 5,856 |
| Total domestic deposits to total assets | 83.9209% | 3,951 |
| Equity capital to assets | 9.7578% | 4,422 |
| Core capital (leverage) ratio | 9.3742% | 4,497 |
| Tier 1 risk-based capital ratio | 17.9682% | 2,256 |
| Total risk-based capital ratio | 19.2204% | 2,222 |
| Memoranda: | ||
| Average total assets | $160,540,000 | 3,528 |
| Average earning assets | $145,272,000 | 3,579 |
| Average equity | $14,169,670 | 4,019 |
| Average total loans | $62,779,330 | 4,460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3212% | 5,801 |
| Cost of funding earning assets | 0.5097% | 2,805 |
| Net interest margin | 2.8115% | 5,912 |
| Noninterest income to average assets | 0.5918% | 2,783 |
| Noninterest expense to average assets | 2.2336% | 5,372 |
| Loan and lease loss provision to assets | 0.0728% | 2,680 |
| Net operating income to assets | 0.6726% | 3,834 |
| Return on assets (ROA) | 0.8003% | 3,233 |
| Pretax return on assets | 0.9846% | 3,389 |
| Return on Equity (ROE) | 9.5303% | 2,237 |
| Retained earnings to average equity (ytd only) | 8.6639% | 1,356 |
| Net charge-offs to loans | 0.0507% | 2,676 |
| Credit loss provision to net charge-offs | 375.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 46.3750% | 801 |
| Efficiency ratio | 70.9752% | 3,656 |
| Assets per employee ($millions) | 5.6529% | 1,574 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,069 |
| Loan loss allowance to noncurrent loans | 182.4390% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 3,378 |
| Noncurrent loans to loans | 0.9812% | 3,460 |
| Net loans and leases to total assets | 35.1257% | 6,115 |
| Net loans and leases to deposits | 40.4897% | 6,156 |
| Net loans and leases to core deposits | 41.1749% | 6,193 |
| Total domestic deposits to total assets | 86.7524% | 2,963 |
| Equity capital to assets | 8.1015% | 5,976 |
| Core capital (leverage) ratio | 9.4925% | 4,289 |
| Tier 1 risk-based capital ratio | 17.7574% | 2,387 |
| Total risk-based capital ratio | 19.0091% | 2,357 |
| Memoranda: | ||
| Average total assets | $164,932,000 | 3,487 |
| Average earning assets | $149,101,500 | 3,521 |
| Average equity | $13,850,500 | 4,072 |
| Average total loans | $63,175,000 | 4,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 5,795 |
| Cost of funding earning assets | 0.5867% | 2,780 |
| Net interest margin | 2.8359% | 5,924 |
| Noninterest income to average assets | 0.5276% | 3,572 |
| Noninterest expense to average assets | 2.3152% | 5,331 |
| Loan and lease loss provision to assets | 0.0957% | 3,207 |
| Net operating income to assets | 0.5866% | 4,324 |
| Return on assets (ROA) | 0.5990% | 4,382 |
| Pretax return on assets | 0.7030% | 4,530 |
| Return on Equity (ROE) | 6.8640% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.4985% | 1,689 |
| Net charge-offs to loans | 0.6431% | 1,007 |
| Credit loss provision to net charge-offs | 36.8550% | 4,102 |
| Earnings coverage of net charge-offs (x) | 3.0197% | 3,983 |
| Efficiency ratio | 74.4133% | 3,058 |
| Assets per employee ($millions) | 4.8320% | 2,402 |
| Cash dividends to net income (ytd only)* | 5.3248% | 4,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 2,315 |
| Loan loss allowance to noncurrent loans | 138.7137% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3148% | 2,792 |
| Noncurrent loans to loans | 1.2454% | 3,052 |
| Net loans and leases to total assets | 40.4682% | 5,927 |
| Net loans and leases to deposits | 47.6609% | 5,918 |
| Net loans and leases to core deposits | 50.5599% | 5,900 |
| Total domestic deposits to total assets | 84.9086% | 3,790 |
| Equity capital to assets | 8.7334% | 5,330 |
| Core capital (leverage) ratio | 9.1360% | 4,803 |
| Tier 1 risk-based capital ratio | 17.1331% | 2,549 |
| Total risk-based capital ratio | 18.3835% | 2,525 |
| Memoranda: | ||
| Average total assets | $156,749,200 | 3,609 |
| Average earning assets | $142,142,200 | 3,631 |
| Average equity | $13,680,000 | 4,130 |
| Average total loans | $63,287,000 | 4,505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3935% | 5,889 |
| Cost of funding earning assets | 0.5894% | 2,905 |
| Net interest margin | 2.8041% | 6,012 |
| Noninterest income to average assets | 0.5222% | 3,654 |
| Noninterest expense to average assets | 2.2795% | 5,406 |
| Loan and lease loss provision to assets | 0.0763% | 3,529 |
| Net operating income to assets | 0.6036% | 4,331 |
| Return on assets (ROA) | 0.6036% | 4,454 |
| Pretax return on assets | 0.7155% | 4,636 |
| Return on Equity (ROE) | 6.9172% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.4314% | 2,170 |
| Net charge-offs to loans | 0.8609% | 678 |
| Credit loss provision to net charge-offs | 22.0588% | 4,037 |
| Earnings coverage of net charge-offs (x) | 2.2892% | 4,077 |
| Efficiency ratio | 73.9166% | 3,084 |
| Assets per employee ($millions) | 5.1390% | 2,007 |
| Cash dividends to net income (ytd only)* | 7.0230% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 2,811 |
| Loan loss allowance to noncurrent loans | 181.6434% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3275% | 2,981 |
| Noncurrent loans to loans | 0.9065% | 4,006 |
| Net loans and leases to total assets | 37.7375% | 6,180 |
| Net loans and leases to deposits | 43.6148% | 6,223 |
| Net loans and leases to core deposits | 44.6355% | 6,267 |
| Total domestic deposits to total assets | 86.5247% | 2,952 |
| Equity capital to assets | 8.0323% | 6,131 |
| Core capital (leverage) ratio | 9.3355% | 4,640 |
| Tier 1 risk-based capital ratio | 16.9103% | 2,748 |
| Total risk-based capital ratio | 18.1611% | 2,708 |
| Memoranda: | ||
| Average total assets | $157,280,250 | 3,637 |
| Average earning assets | $142,976,750 | 3,656 |
| Average equity | $13,724,000 | 4,169 |
| Average total loans | $63,190,250 | 4,551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 5,831 |
| Cost of funding earning assets | 0.6067% | 2,876 |
| Net interest margin | 2.8272% | 5,951 |
| Noninterest income to average assets | 0.4881% | 3,909 |
| Noninterest expense to average assets | 2.3255% | 5,290 |
| Loan and lease loss provision to assets | 0.0775% | 3,509 |
| Net operating income to assets | 0.5707% | 4,450 |
| Return on assets (ROA) | 0.5707% | 4,623 |
| Pretax return on assets | 0.6663% | 4,795 |
| Return on Equity (ROE) | 6.3617% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.3617% | 2,224 |
| Net charge-offs to loans | 1.2116% | 474 |
| Credit loss provision to net charge-offs | 15.6658% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.5039% | 4,032 |
| Efficiency ratio | 75.4733% | 2,862 |
| Assets per employee ($millions) | 4.3649% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 2,992 |
| Loan loss allowance to noncurrent loans | 99.6146% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 2,648 |
| Noncurrent loans to loans | 1.6517% | 2,838 |
| Net loans and leases to total assets | 41.6506% | 5,925 |
| Net loans and leases to deposits | 49.3836% | 5,892 |
| Net loans and leases to core deposits | 50.5951% | 5,987 |
| Total domestic deposits to total assets | 84.3409% | 4,180 |
| Equity capital to assets | 8.9592% | 5,257 |
| Core capital (leverage) ratio | 8.8531% | 5,218 |
| Tier 1 risk-based capital ratio | 17.0407% | 2,699 |
| Total risk-based capital ratio | 18.2905% | 2,669 |
| Memoranda: | ||
| Average total assets | $154,890,670 | 3,690 |
| Average earning assets | $141,413,670 | 3,705 |
| Average equity | $13,895,670 | 4,166 |
| Average total loans | $63,221,000 | 4,567 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3884% | 5,966 |
| Cost of funding earning assets | 0.5962% | 3,137 |
| Net interest margin | 2.7923% | 6,047 |
| Noninterest income to average assets | 0.5110% | 3,704 |
| Noninterest expense to average assets | 2.2639% | 5,522 |
| Loan and lease loss provision to assets | 0.0759% | 3,362 |
| Net operating income to assets | 0.5970% | 4,230 |
| Return on assets (ROA) | 0.5970% | 4,379 |
| Pretax return on assets | 0.7184% | 4,495 |
| Return on Equity (ROE) | 6.6500% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.6500% | 2,345 |
| Net charge-offs to loans | 0.8895% | 685 |
| Credit loss provision to net charge-offs | 21.2766% | 3,019 |
| Earnings coverage of net charge-offs (x) | 2.2270% | 3,098 |
| Efficiency ratio | 73.6973% | 3,316 |
| Assets per employee ($millions) | 5.3003% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 2,014 |
| Loan loss allowance to noncurrent loans | 88.2436% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 2,870 |
| Noncurrent loans to loans | 2.2780% | 2,296 |
| Net loans and leases to total assets | 35.8108% | 6,308 |
| Net loans and leases to deposits | 41.4705% | 6,352 |
| Net loans and leases to core deposits | 42.3351% | 6,388 |
| Total domestic deposits to total assets | 86.3523% | 3,328 |
| Equity capital to assets | 8.3692% | 6,132 |
| Core capital (leverage) ratio | 9.0732% | 4,764 |
| Tier 1 risk-based capital ratio | 17.0163% | 2,742 |
| Total risk-based capital ratio | 18.2698% | 2,715 |
| Memoranda: | ||
| Average total assets | $158,133,000 | 3,682 |
| Average earning assets | $144,255,500 | 3,693 |
| Average equity | $14,195,500 | 4,158 |
| Average total loans | $63,408,500 | 4,586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 5,742 |
| Cost of funding earning assets | 0.7806% | 2,826 |
| Net interest margin | 3.0569% | 5,913 |
| Noninterest income to average assets | 0.6156% | 3,198 |
| Noninterest expense to average assets | 2.4112% | 5,376 |
| Loan and lease loss provision to assets | 0.1183% | 4,147 |
| Net operating income to assets | 0.6714% | 3,873 |
| Return on assets (ROA) | 0.7989% | 3,541 |
| Pretax return on assets | 1.0354% | 3,411 |
| Return on Equity (ROE) | 8.9718% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.9718% | 833 |
| Net charge-offs to loans | -0.0597% | 6,734 |
| Credit loss provision to net charge-offs | -461.5385% | 6,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6610% | 3,683 |
| Assets per employee ($millions) | 4.5830% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0931% | 1,791 |
| Loan loss allowance to noncurrent loans | 107.8696% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.8697% | 2,614 |
| Noncurrent loans to loans | 1.9404% | 2,759 |
| Net loans and leases to total assets | 43.2819% | 5,884 |
| Net loans and leases to deposits | 50.5995% | 5,913 |
| Net loans and leases to core deposits | 52.2600% | 5,998 |
| Total domestic deposits to total assets | 85.5382% | 3,592 |
| Equity capital to assets | 9.6799% | 4,620 |
| Core capital (leverage) ratio | 8.8267% | 5,136 |
| Tier 1 risk-based capital ratio | 16.3553% | 2,963 |
| Total risk-based capital ratio | 17.6106% | 2,919 |
| Memoranda: | ||
| Average total assets | $152,206,200 | 3,735 |
| Average earning assets | $138,603,600 | 3,745 |
| Average equity | $13,553,600 | 4,243 |
| Average total loans | $65,347,800 | 4,533 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 6,095 |
| Cost of funding earning assets | 0.8097% | 2,865 |
| Net interest margin | 2.9562% | 6,259 |
| Noninterest income to average assets | 0.5807% | 3,400 |
| Noninterest expense to average assets | 2.2978% | 5,682 |
| Loan and lease loss provision to assets | 0.1172% | 4,087 |
| Net operating income to assets | 0.6647% | 4,065 |
| Return on assets (ROA) | 0.7891% | 3,749 |
| Pretax return on assets | 1.0243% | 3,620 |
| Return on Equity (ROE) | 9.0493% | 2,777 |
| Retained earnings to average equity (ytd only) | 9.0493% | 1,211 |
| Net charge-offs to loans | 0.1039% | 4,356 |
| Credit loss provision to net charge-offs | 264.7059% | 1,037 |
| Earnings coverage of net charge-offs (x) | 22.1368% | 1,360 |
| Efficiency ratio | 69.8093% | 3,728 |
| Assets per employee ($millions) | 4.9373% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,461 |
| Loan loss allowance to noncurrent loans | 69.3137% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.9910% | 2,651 |
| Noncurrent loans to loans | 2.7468% | 2,064 |
| Net loans and leases to total assets | 38.6431% | 6,380 |
| Net loans and leases to deposits | 44.1929% | 6,492 |
| Net loans and leases to core deposits | 44.8157% | 6,566 |
| Total domestic deposits to total assets | 87.4420% | 2,387 |
| Equity capital to assets | 8.6625% | 6,133 |
| Core capital (leverage) ratio | 8.9893% | 5,083 |
| Tier 1 risk-based capital ratio | 16.2111% | 3,160 |
| Total risk-based capital ratio | 17.4639% | 3,125 |
| Memoranda: | ||
| Average total assets | $153,594,000 | 3,762 |
| Average earning assets | $140,130,500 | 3,762 |
| Average equity | $13,393,000 | 4,320 |
| Average total loans | $65,476,750 | 4,578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 5,931 |
| Cost of funding earning assets | 0.8715% | 2,648 |
| Net interest margin | 3.0225% | 6,193 |
| Noninterest income to average assets | 0.5968% | 3,276 |
| Noninterest expense to average assets | 2.3804% | 5,524 |
| Loan and lease loss provision to assets | 0.1196% | 4,035 |
| Net operating income to assets | 0.6575% | 4,077 |
| Return on assets (ROA) | 0.8121% | 3,604 |
| Pretax return on assets | 1.0540% | 3,498 |
| Return on Equity (ROE) | 9.2909% | 2,671 |
| Retained earnings to average equity (ytd only) | 9.2909% | 1,176 |
| Net charge-offs to loans | 0.1669% | 3,605 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 13.3091% | 1,803 |
| Efficiency ratio | 70.7095% | 3,649 |
| Assets per employee ($millions) | 3.9775% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,787 |
| Loan loss allowance to noncurrent loans | 66.7235% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.2285% | 2,514 |
| Noncurrent loans to loans | 2.7258% | 2,205 |
| Net loans and leases to total assets | 44.2220% | 5,998 |
| Net loans and leases to deposits | 51.4596% | 6,064 |
| Net loans and leases to core deposits | 52.4324% | 6,209 |
| Total domestic deposits to total assets | 85.9354% | 3,384 |
| Equity capital to assets | 9.4665% | 5,109 |
| Core capital (leverage) ratio | 8.5383% | 5,596 |
| Tier 1 risk-based capital ratio | 15.9191% | 3,203 |
| Total risk-based capital ratio | 17.1721% | 3,173 |
| Memoranda: | ||
| Average total assets | $150,481,330 | 3,830 |
| Average earning assets | $137,238,330 | 3,828 |
| Average equity | $13,152,670 | 4,367 |
| Average total loans | $65,907,670 | 4,565 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 6,134 |
| Cost of funding earning assets | 0.8593% | 3,001 |
| Net interest margin | 2.9933% | 6,304 |
| Noninterest income to average assets | 0.6151% | 3,135 |
| Noninterest expense to average assets | 2.4214% | 5,402 |
| Loan and lease loss provision to assets | 0.1168% | 3,887 |
| Net operating income to assets | 0.6171% | 4,276 |
| Return on assets (ROA) | 0.8149% | 3,553 |
| Pretax return on assets | 1.0641% | 3,458 |
| Return on Equity (ROE) | 9.6977% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.6977% | 1,354 |
| Net charge-offs to loans | -0.0060% | 5,830 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0714% | 3,427 |
| Assets per employee ($millions) | 4.8516% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 3,052 |
| Loan loss allowance to noncurrent loans | 65.0907% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 3,197 |
| Noncurrent loans to loans | 2.7387% | 2,378 |
| Net loans and leases to total assets | 39.5463% | 6,383 |
| Net loans and leases to deposits | 45.3893% | 6,472 |
| Net loans and leases to core deposits | 46.3590% | 6,544 |
| Total domestic deposits to total assets | 87.1269% | 2,883 |
| Equity capital to assets | 7.9209% | 6,573 |
| Core capital (leverage) ratio | 8.6149% | 5,424 |
| Tier 1 risk-based capital ratio | 15.1712% | 3,641 |
| Total risk-based capital ratio | 16.4236% | 3,599 |
| Memoranda: | ||
| Average total assets | $154,127,500 | 3,800 |
| Average earning assets | $140,580,500 | 3,802 |
| Average equity | $12,951,500 | 4,413 |
| Average total loans | $66,614,500 | 4,563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 5,962 |
| Cost of funding earning assets | 1.0086% | 3,308 |
| Net interest margin | 3.2252% | 6,026 |
| Noninterest income to average assets | 0.5753% | 3,328 |
| Noninterest expense to average assets | 2.5124% | 5,429 |
| Loan and lease loss provision to assets | 0.3208% | 3,116 |
| Net operating income to assets | 0.5514% | 4,224 |
| Return on assets (ROA) | 0.6347% | 4,008 |
| Pretax return on assets | 0.7788% | 4,056 |
| Return on Equity (ROE) | 7.6418% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.6418% | 1,210 |
| Net charge-offs to loans | 0.5890% | 2,682 |
| Credit loss provision to net charge-offs | 113.6919% | 2,883 |
| Earnings coverage of net charge-offs (x) | 3.5330% | 3,482 |
| Efficiency ratio | 71.2994% | 3,733 |
| Assets per employee ($millions) | 4.0943% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,186 |
| Loan loss allowance to noncurrent loans | 65.7044% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 3,056 |
| Noncurrent loans to loans | 2.5924% | 2,525 |
| Net loans and leases to total assets | 45.8293% | 6,026 |
| Net loans and leases to deposits | 53.7986% | 6,090 |
| Net loans and leases to core deposits | 56.4002% | 6,129 |
| Total domestic deposits to total assets | 85.1869% | 3,748 |
| Equity capital to assets | 8.9582% | 5,592 |
| Core capital (leverage) ratio | 8.2194% | 5,959 |
| Tier 1 risk-based capital ratio | 15.0970% | 3,584 |
| Total risk-based capital ratio | 16.3491% | 3,543 |
| Memoranda: | ||
| Average total assets | $144,961,200 | 3,892 |
| Average earning assets | $131,866,400 | 3,893 |
| Average equity | $12,039,000 | 4,540 |
| Average total loans | $69,437,600 | 4,512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 6,176 |
| Cost of funding earning assets | 1.0109% | 3,604 |
| Net interest margin | 3.2020% | 6,157 |
| Noninterest income to average assets | 0.5539% | 3,483 |
| Noninterest expense to average assets | 2.5047% | 5,447 |
| Loan and lease loss provision to assets | 0.4081% | 2,422 |
| Net operating income to assets | 0.4763% | 4,653 |
| Return on assets (ROA) | 0.5457% | 4,523 |
| Pretax return on assets | 0.6356% | 4,700 |
| Return on Equity (ROE) | 6.7005% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.7005% | 2,134 |
| Net charge-offs to loans | 0.6658% | 2,249 |
| Credit loss provision to net charge-offs | 127.1429% | 2,523 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,637 |
| Efficiency ratio | 71.9386% | 3,563 |
| Assets per employee ($millions) | 4.6658% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,164 |
| Loan loss allowance to noncurrent loans | 63.4159% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.9800% | 3,164 |
| Noncurrent loans to loans | 2.7296% | 2,568 |
| Net loans and leases to total assets | 42.1204% | 6,496 |
| Net loans and leases to deposits | 48.5833% | 6,593 |
| Net loans and leases to core deposits | 49.9925% | 6,671 |
| Total domestic deposits to total assets | 86.6974% | 2,827 |
| Equity capital to assets | 7.9540% | 6,722 |
| Core capital (leverage) ratio | 8.4382% | 5,793 |
| Tier 1 risk-based capital ratio | 14.6383% | 3,880 |
| Total risk-based capital ratio | 15.8911% | 3,852 |
| Memoranda: | ||
| Average total assets | $145,376,750 | 3,902 |
| Average earning assets | $132,287,250 | 3,907 |
| Average equity | $11,839,500 | 4,608 |
| Average total loans | $70,094,250 | 4,520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 5,933 |
| Cost of funding earning assets | 1.0383% | 3,678 |
| Net interest margin | 3.2869% | 5,896 |
| Noninterest income to average assets | 0.5349% | 3,597 |
| Noninterest expense to average assets | 2.5781% | 5,266 |
| Loan and lease loss provision to assets | 0.4611% | 2,129 |
| Net operating income to assets | 0.4569% | 4,687 |
| Return on assets (ROA) | 0.4569% | 4,820 |
| Pretax return on assets | 0.4782% | 5,138 |
| Return on Equity (ROE) | 5.5613% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,657 |
| Net charge-offs to loans | 0.9831% | 1,598 |
| Credit loss provision to net charge-offs | 93.3908% | 3,364 |
| Earnings coverage of net charge-offs (x) | 1.9023% | 3,911 |
| Efficiency ratio | 73.0133% | 3,542 |
| Assets per employee ($millions) | 3.9869% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 4,057 |
| Loan loss allowance to noncurrent loans | 52.6604% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.3720% | 2,781 |
| Noncurrent loans to loans | 2.8796% | 2,536 |
| Net loans and leases to total assets | 49.2877% | 5,914 |
| Net loans and leases to deposits | 57.7337% | 5,965 |
| Net loans and leases to core deposits | 59.6696% | 6,116 |
| Total domestic deposits to total assets | 85.3707% | 3,686 |
| Equity capital to assets | 8.6863% | 5,958 |
| Core capital (leverage) ratio | 8.1181% | 6,139 |
| Tier 1 risk-based capital ratio | 14.1772% | 4,036 |
| Total risk-based capital ratio | 15.4284% | 4,004 |
| Memoranda: | ||
| Average total assets | $140,956,330 | 4,010 |
| Average earning assets | $127,900,670 | 4,033 |
| Average equity | $11,580,000 | 4,665 |
| Average total loans | $70,793,670 | 4,545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 6,234 |
| Cost of funding earning assets | 1.0126% | 4,108 |
| Net interest margin | 3.2087% | 6,043 |
| Noninterest income to average assets | 0.4772% | 4,072 |
| Noninterest expense to average assets | 2.5243% | 5,470 |
| Loan and lease loss provision to assets | 0.3388% | 2,529 |
| Net operating income to assets | 0.4885% | 4,531 |
| Return on assets (ROA) | 0.4885% | 4,617 |
| Pretax return on assets | 0.5308% | 4,923 |
| Return on Equity (ROE) | 6.1187% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.1187% | 2,563 |
| Net charge-offs to loans | 0.8306% | 1,583 |
| Credit loss provision to net charge-offs | 81.0811% | 3,139 |
| Earnings coverage of net charge-offs (x) | 2.0811% | 3,257 |
| Efficiency ratio | 74.0433% | 3,507 |
| Assets per employee ($millions) | 4.4966% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 4,168 |
| Loan loss allowance to noncurrent loans | 51.2646% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.1971% | 3,069 |
| Noncurrent loans to loans | 2.9432% | 2,553 |
| Net loans and leases to total assets | 45.0037% | 6,384 |
| Net loans and leases to deposits | 51.6539% | 6,502 |
| Net loans and leases to core deposits | 52.7857% | 6,638 |
| Total domestic deposits to total assets | 87.1254% | 2,875 |
| Equity capital to assets | 7.5541% | 6,841 |
| Core capital (leverage) ratio | 8.6387% | 5,192 |
| Tier 1 risk-based capital ratio | 13.8175% | 4,200 |
| Total risk-based capital ratio | 15.0679% | 4,178 |
| Memoranda: | ||
| Average total assets | $141,663,500 | 4,030 |
| Average earning assets | $128,775,500 | 4,052 |
| Average equity | $11,309,500 | 4,717 |
| Average total loans | $71,272,500 | 4,572 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 6,146 |
| Cost of funding earning assets | 1.2335% | 4,334 |
| Net interest margin | 3.3547% | 5,775 |
| Noninterest income to average assets | 0.5299% | 3,954 |
| Noninterest expense to average assets | 2.4492% | 5,944 |
| Loan and lease loss provision to assets | 0.6828% | 2,411 |
| Net operating income to assets | 0.3799% | 4,639 |
| Return on assets (ROA) | 0.4795% | 4,352 |
| Pretax return on assets | 0.5596% | 4,452 |
| Return on Equity (ROE) | 5.7440% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.7440% | 1,966 |
| Net charge-offs to loans | 1.3228% | 1,684 |
| Credit loss provision to net charge-offs | 91.8164% | 5,052 |
| Earnings coverage of net charge-offs (x) | 1.5150% | 4,619 |
| Efficiency ratio | 68.2026% | 4,522 |
| Assets per employee ($millions) | 3.8366% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,071 |
| Loan loss allowance to noncurrent loans | 63.4232% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.1772% | 3,122 |
| Noncurrent loans to loans | 2.3470% | 3,176 |
| Net loans and leases to total assets | 54.8941% | 5,506 |
| Net loans and leases to deposits | 64.3927% | 5,583 |
| Net loans and leases to core deposits | 65.7575% | 5,899 |
| Total domestic deposits to total assets | 85.2488% | 3,734 |
| Equity capital to assets | 8.4864% | 5,873 |
| Core capital (leverage) ratio | 8.2582% | 5,745 |
| Tier 1 risk-based capital ratio | 13.5534% | 4,161 |
| Total risk-based capital ratio | 14.8037% | 4,129 |
| Memoranda: | ||
| Average total assets | $134,737,600 | 4,162 |
| Average earning assets | $122,334,400 | 4,180 |
| Average equity | $11,246,600 | 4,806 |
| Average total loans | $75,748,200 | 4,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 6,521 |
| Cost of funding earning assets | 1.2522% | 4,561 |
| Net interest margin | 3.2801% | 6,080 |
| Noninterest income to average assets | 0.5527% | 3,770 |
| Noninterest expense to average assets | 2.4092% | 6,004 |
| Loan and lease loss provision to assets | 0.6823% | 2,235 |
| Net operating income to assets | 0.3756% | 4,861 |
| Return on assets (ROA) | 0.4565% | 4,696 |
| Pretax return on assets | 0.5370% | 4,803 |
| Return on Equity (ROE) | 5.4910% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.4910% | 2,654 |
| Net charge-offs to loans | 0.9061% | 2,189 |
| Credit loss provision to net charge-offs | 133.6538% | 3,020 |
| Earnings coverage of net charge-offs (x) | 2.2019% | 4,078 |
| Efficiency ratio | 67.8800% | 4,485 |
| Assets per employee ($millions) | 4.1208% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7602% | 2,936 |
| Loan loss allowance to noncurrent loans | 49.7215% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.5557% | 2,812 |
| Noncurrent loans to loans | 3.5402% | 2,219 |
| Net loans and leases to total assets | 51.8134% | 6,122 |
| Net loans and leases to deposits | 60.1996% | 6,297 |
| Net loans and leases to core deposits | 61.3355% | 6,510 |
| Total domestic deposits to total assets | 86.0694% | 3,035 |
| Equity capital to assets | 8.0864% | 6,725 |
| Core capital (leverage) ratio | 8.5981% | 5,351 |
| Tier 1 risk-based capital ratio | 13.0588% | 4,530 |
| Total risk-based capital ratio | 14.3136% | 4,504 |
| Memoranda: | ||
| Average total assets | $135,811,000 | 4,195 |
| Average earning assets | $123,407,750 | 4,215 |
| Average equity | $11,290,750 | 4,857 |
| Average total loans | $76,513,250 | 4,510 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 6,435 |
| Cost of funding earning assets | 1.3078% | 4,486 |
| Net interest margin | 3.3002% | 6,017 |
| Noninterest income to average assets | 0.5263% | 3,909 |
| Noninterest expense to average assets | 2.4555% | 5,897 |
| Loan and lease loss provision to assets | 0.7067% | 2,061 |
| Net operating income to assets | 0.3474% | 4,987 |
| Return on assets (ROA) | 0.3474% | 5,153 |
| Pretax return on assets | 0.3579% | 5,349 |
| Return on Equity (ROE) | 4.1373% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.1373% | 3,440 |
| Net charge-offs to loans | 0.8714% | 2,092 |
| Credit loss provision to net charge-offs | 140.7186% | 2,843 |
| Earnings coverage of net charge-offs (x) | 2.1198% | 3,965 |
| Efficiency ratio | 69.4575% | 4,285 |
| Assets per employee ($millions) | 3.5145% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 3,054 |
| Loan loss allowance to noncurrent loans | 39.6704% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 2.9363% | 2,447 |
| Noncurrent loans to loans | 4.2980% | 1,727 |
| Net loans and leases to total assets | 59.2352% | 5,210 |
| Net loans and leases to deposits | 70.3187% | 5,227 |
| Net loans and leases to core deposits | 71.4858% | 5,725 |
| Total domestic deposits to total assets | 84.2382% | 3,994 |
| Equity capital to assets | 8.9226% | 5,568 |
| Core capital (leverage) ratio | 8.0932% | 6,133 |
| Tier 1 risk-based capital ratio | 12.9360% | 4,505 |
| Total risk-based capital ratio | 14.1904% | 4,451 |
| Memoranda: | ||
| Average total assets | $133,005,000 | 4,278 |
| Average earning assets | $120,660,330 | 4,295 |
| Average equity | $11,166,670 | 4,886 |
| Average total loans | $76,661,330 | 4,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 6,846 |
| Cost of funding earning assets | 1.2874% | 4,889 |
| Net interest margin | 3.1861% | 6,333 |
| Noninterest income to average assets | 0.4727% | 4,270 |
| Noninterest expense to average assets | 2.3722% | 6,184 |
| Loan and lease loss provision to assets | 0.6606% | 1,918 |
| Net operating income to assets | 0.3318% | 5,157 |
| Return on assets (ROA) | 0.3318% | 5,285 |
| Pretax return on assets | 0.3318% | 5,519 |
| Return on Equity (ROE) | 4.0701% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.0701% | 3,709 |
| Net charge-offs to loans | 0.8170% | 1,901 |
| Credit loss provision to net charge-offs | 143.3121% | 2,482 |
| Earnings coverage of net charge-offs (x) | 2.1529% | 3,458 |
| Efficiency ratio | 70.1571% | 4,271 |
| Assets per employee ($millions) | 4.1574% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 3,396 |
| Loan loss allowance to noncurrent loans | 35.4737% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 2.7600% | 2,632 |
| Noncurrent loans to loans | 4.5351% | 1,648 |
| Net loans and leases to total assets | 51.7827% | 6,294 |
| Net loans and leases to deposits | 60.1840% | 6,448 |
| Net loans and leases to core deposits | 61.9088% | 6,609 |
| Total domestic deposits to total assets | 86.0406% | 3,138 |
| Equity capital to assets | 7.6745% | 6,950 |
| Core capital (leverage) ratio | 8.3276% | 5,693 |
| Tier 1 risk-based capital ratio | 12.4540% | 4,789 |
| Total risk-based capital ratio | 13.7063% | 4,736 |
| Memoranda: | ||
| Average total assets | $136,247,000 | 4,267 |
| Average earning assets | $123,664,000 | 4,291 |
| Average equity | $11,105,500 | 4,951 |
| Average total loans | $76,869,500 | 4,613 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 6,692 |
| Cost of funding earning assets | 1.5068% | 5,482 |
| Net interest margin | 3.4015% | 5,352 |
| Noninterest income to average assets | 0.6628% | 3,203 |
| Noninterest expense to average assets | 2.6123% | 5,757 |
| Loan and lease loss provision to assets | 0.9147% | 2,463 |
| Net operating income to assets | 0.2883% | 4,578 |
| Return on assets (ROA) | 0.2883% | 4,664 |
| Pretax return on assets | 0.2330% | 4,934 |
| Return on Equity (ROE) | 3.3933% | 4,335 |
| Retained earnings to average equity (ytd only) | 1.4875% | 4,026 |
| Net charge-offs to loans | 1.2083% | 2,038 |
| Credit loss provision to net charge-offs | 123.3227% | 4,278 |
| Earnings coverage of net charge-offs (x) | 1.5474% | 4,588 |
| Efficiency ratio | 69.1807% | 4,789 |
| Assets per employee ($millions) | 3.7349% | 4,435 |
| Cash dividends to net income (ytd only)* | 56.1644% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 3,673 |
| Loan loss allowance to noncurrent loans | 39.0866% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7727% | 2,520 |
| Noncurrent loans to loans | 3.8596% | 1,928 |
| Net loans and leases to total assets | 59.8452% | 5,364 |
| Net loans and leases to deposits | 71.7184% | 5,366 |
| Net loans and leases to core deposits | 82.4053% | 5,881 |
| Total domestic deposits to total assets | 83.4446% | 4,307 |
| Equity capital to assets | 8.6970% | 5,587 |
| Core capital (leverage) ratio | 8.1462% | 5,921 |
| Tier 1 risk-based capital ratio | 12.0918% | 4,856 |
| Total risk-based capital ratio | 13.3321% | 4,838 |
| Memoranda: | ||
| Average total assets | $126,593,600 | 4,413 |
| Average earning assets | $115,274,200 | 4,412 |
| Average equity | $10,756,600 | 5,090 |
| Average total loans | $77,711,200 | 4,595 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 6,837 |
| Cost of funding earning assets | 1.5241% | 5,735 |
| Net interest margin | 3.3944% | 5,293 |
| Noninterest income to average assets | 0.6893% | 3,094 |
| Noninterest expense to average assets | 2.5529% | 5,885 |
| Loan and lease loss provision to assets | 0.9413% | 2,044 |
| Net operating income to assets | 0.3278% | 4,686 |
| Return on assets (ROA) | 0.3278% | 4,790 |
| Pretax return on assets | 0.2962% | 5,073 |
| Return on Equity (ROE) | 3.8809% | 4,428 |
| Retained earnings to average equity (ytd only) | 1.3227% | 4,583 |
| Net charge-offs to loans | 1.0550% | 1,880 |
| Credit loss provision to net charge-offs | 144.9675% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.9058% | 4,381 |
| Efficiency ratio | 67.0467% | 5,175 |
| Assets per employee ($millions) | 3.9479% | 3,833 |
| Cash dividends to net income (ytd only)* | 65.9167% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 3,042 |
| Loan loss allowance to noncurrent loans | 33.2065% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 2.6633% | 2,616 |
| Noncurrent loans to loans | 4.7784% | 1,422 |
| Net loans and leases to total assets | 54.8511% | 6,291 |
| Net loans and leases to deposits | 64.7620% | 6,422 |
| Net loans and leases to core deposits | 71.7888% | 6,861 |
| Total domestic deposits to total assets | 84.6963% | 3,376 |
| Equity capital to assets | 7.9818% | 6,861 |
| Core capital (leverage) ratio | 8.6245% | 5,269 |
| Tier 1 risk-based capital ratio | 11.9089% | 5,052 |
| Total risk-based capital ratio | 13.1612% | 4,992 |
| Memoranda: | ||
| Average total assets | $126,495,500 | 4,435 |
| Average earning assets | $115,559,000 | 4,437 |
| Average equity | $10,684,750 | 5,148 |
| Average total loans | $77,849,250 | 4,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 6,389 |
| Cost of funding earning assets | 1.6257% | 5,634 |
| Net interest margin | 3.4849% | 4,867 |
| Noninterest income to average assets | 0.6688% | 3,201 |
| Noninterest expense to average assets | 2.6296% | 5,618 |
| Loan and lease loss provision to assets | 0.6525% | 2,475 |
| Net operating income to assets | 0.5057% | 4,068 |
| Return on assets (ROA) | 0.5057% | 4,189 |
| Pretax return on assets | 0.5758% | 4,384 |
| Return on Equity (ROE) | 5.8657% | 3,716 |
| Retained earnings to average equity (ytd only) | 1.9868% | 4,235 |
| Net charge-offs to loans | 0.9804% | 1,788 |
| Credit loss provision to net charge-offs | 104.4386% | 4,398 |
| Earnings coverage of net charge-offs (x) | 1.9661% | 4,113 |
| Efficiency ratio | 67.8647% | 5,174 |
| Assets per employee ($millions) | 3.3982% | 5,069 |
| Cash dividends to net income (ytd only)* | 66.1290% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 4,649 |
| Loan loss allowance to noncurrent loans | 31.5203% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 2.5661% | 2,512 |
| Noncurrent loans to loans | 3.9479% | 1,725 |
| Net loans and leases to total assets | 64.1900% | 4,940 |
| Net loans and leases to deposits | 78.0384% | 4,864 |
| Net loans and leases to core deposits | 89.1693% | 5,614 |
| Total domestic deposits to total assets | 82.2543% | 4,591 |
| Equity capital to assets | 9.2209% | 4,980 |
| Core capital (leverage) ratio | 8.3928% | 5,630 |
| Tier 1 risk-based capital ratio | 12.3093% | 4,664 |
| Total risk-based capital ratio | 13.4481% | 4,665 |
| Memoranda: | ||
| Average total assets | $122,602,000 | 4,566 |
| Average earning assets | $112,199,000 | 4,566 |
| Average equity | $10,570,000 | 5,195 |
| Average total loans | $78,128,000 | 4,650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 7,032 |
| Cost of funding earning assets | 1.6593% | 5,778 |
| Net interest margin | 3.3010% | 5,498 |
| Noninterest income to average assets | 0.6429% | 3,250 |
| Noninterest expense to average assets | 2.4848% | 5,897 |
| Loan and lease loss provision to assets | 0.4822% | 2,551 |
| Net operating income to assets | 0.5336% | 4,281 |
| Return on assets (ROA) | 0.5336% | 4,472 |
| Pretax return on assets | 0.7008% | 4,435 |
| Return on Equity (ROE) | 6.4022% | 3,862 |
| Retained earnings to average equity (ytd only) | -0.7328% | 5,822 |
| Net charge-offs to loans | 0.9626% | 1,387 |
| Credit loss provision to net charge-offs | 79.3651% | 4,200 |
| Earnings coverage of net charge-offs (x) | 1.9471% | 3,744 |
| Efficiency ratio | 67.3970% | 5,064 |
| Assets per employee ($millions) | 4.0585% | 3,543 |
| Cash dividends to net income (ytd only)* | 111.4458% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 5,091 |
| Loan loss allowance to noncurrent loans | 26.5145% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 2.5513% | 2,250 |
| Noncurrent loans to loans | 4.3530% | 1,340 |
| Net loans and leases to total assets | 57.9339% | 5,948 |
| Net loans and leases to deposits | 68.7099% | 6,109 |
| Net loans and leases to core deposits | 76.9129% | 6,616 |
| Total domestic deposits to total assets | 84.3167% | 3,550 |
| Equity capital to assets | 7.7577% | 7,122 |
| Core capital (leverage) ratio | 8.4179% | 5,683 |
| Tier 1 risk-based capital ratio | 11.0318% | 5,884 |
| Total risk-based capital ratio | 12.0548% | 5,990 |
| Memoranda: | ||
| Average total assets | $124,435,000 | 4,527 |
| Average earning assets | $114,024,500 | 4,532 |
| Average equity | $10,371,500 | 5,273 |
| Average total loans | $78,538,500 | 4,661 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 5,316 |
| Cost of funding earning assets | 2.4202% | 4,634 |
| Net interest margin | 3.6260% | 4,766 |
| Noninterest income to average assets | 0.7197% | 2,991 |
| Noninterest expense to average assets | 2.5760% | 5,733 |
| Loan and lease loss provision to assets | 0.2855% | 4,097 |
| Net operating income to assets | 0.8174% | 3,357 |
| Return on assets (ROA) | 0.8174% | 3,200 |
| Pretax return on assets | 1.1306% | 2,918 |
| Return on Equity (ROE) | 9.3439% | 2,499 |
| Retained earnings to average equity (ytd only) | 5.8832% | 1,577 |
| Net charge-offs to loans | 0.0350% | 6,313 |
| Credit loss provision to net charge-offs | 1,222.2222% | 370 |
| Earnings coverage of net charge-offs (x) | 60.6296% | 661 |
| Efficiency ratio | 64.2254% | 5,511 |
| Assets per employee ($millions) | 3.3805% | 4,992 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 4,514 |
| Loan loss allowance to noncurrent loans | 40.0424% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 2,393 |
| Noncurrent loans to loans | 3.0033% | 1,786 |
| Net loans and leases to total assets | 67.5442% | 4,544 |
| Net loans and leases to deposits | 84.4325% | 4,353 |
| Net loans and leases to core deposits | 98.0289% | 5,038 |
| Total domestic deposits to total assets | 79.9979% | 5,026 |
| Equity capital to assets | 9.0075% | 5,358 |
| Core capital (leverage) ratio | 8.1742% | 6,217 |
| Tier 1 risk-based capital ratio | 11.4760% | 5,261 |
| Total risk-based capital ratio | 12.5843% | 5,309 |
| Memoranda: | ||
| Average total assets | $115,604,200 | 4,618 |
| Average earning assets | $104,330,800 | 4,667 |
| Average equity | $10,113,600 | 5,371 |
| Average total loans | $77,058,000 | 4,617 |