Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 3,466 |
| Cost of funding earning assets | 1.6675% | 2,809 |
| Net interest margin | 3.1224% | 3,171 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.4055% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9034% | 2,564 |
| Return on assets (ROA) | 0.8146% | 2,809 |
| Pretax return on assets | 0.8212% | 3,143 |
| Return on Equity (ROE) | 9.6900% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.3319% | 2,173 |
| Net charge-offs to loans | -0.0206% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.6352% | 1,654 |
| Assets per employee ($millions) | 6.1528% | 2,839 |
| Cash dividends to net income (ytd only)* | 34.6238% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 769 |
| Loan loss allowance to noncurrent loans | 1,208.1501% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,102 |
| Noncurrent loans to loans | 0.1351% | 3,008 |
| Net loans and leases to total assets | 61.8300% | 2,712 |
| Net loans and leases to deposits | 70.7768% | 2,812 |
| Net loans and leases to core deposits | 80.7956% | 2,641 |
| Total domestic deposits to total assets | 87.3500% | 1,795 |
| Equity capital to assets | 8.5706% | 3,264 |
| Core capital (leverage) ratio | 11.1140% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6613% | 934 |
| Memoranda: | ||
| Average total assets | $900,608,000 | 1,131 |
| Average earning assets | $850,363,500 | 1,112 |
| Average equity | $75,744,000 | 1,284 |
| Average total loans | $562,972,500 | 1,210 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 3,722 |
| Cost of funding earning assets | 1.7679% | 2,801 |
| Net interest margin | 2.8489% | 3,400 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.3901% | 2,611 |
| Loan and lease loss provision to assets | -0.0500% | 4,268 |
| Net operating income to assets | 0.7366% | 2,868 |
| Return on assets (ROA) | 0.7233% | 2,926 |
| Pretax return on assets | 0.7262% | 3,200 |
| Return on Equity (ROE) | 8.7000% | 2,550 |
| Retained earnings to average equity (ytd only) | 6.3825% | 1,674 |
| Net charge-offs to loans | -0.0499% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.2077% | 1,343 |
| Assets per employee ($millions) | 5.9374% | 2,922 |
| Cash dividends to net income (ytd only)* | 26.6748% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 674 |
| Loan loss allowance to noncurrent loans | 1,312.6761% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,116 |
| Noncurrent loans to loans | 0.1282% | 3,014 |
| Net loans and leases to total assets | 61.1200% | 2,831 |
| Net loans and leases to deposits | 69.9706% | 2,952 |
| Net loans and leases to core deposits | 81.3409% | 2,682 |
| Total domestic deposits to total assets | 87.3400% | 1,763 |
| Equity capital to assets | 8.2464% | 3,369 |
| Core capital (leverage) ratio | 10.9865% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9007% | 899 |
| Memoranda: | ||
| Average total assets | $908,038,800 | 1,101 |
| Average earning assets | $857,339,800 | 1,076 |
| Average equity | $75,456,800 | 1,260 |
| Average total loans | $549,430,600 | 1,212 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 3,786 |
| Cost of funding earning assets | 1.7562% | 2,823 |
| Net interest margin | 2.7914% | 3,465 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 2.3599% | 2,636 |
| Loan and lease loss provision to assets | -0.0700% | 4,341 |
| Net operating income to assets | 0.6788% | 3,023 |
| Return on assets (ROA) | 0.6599% | 3,097 |
| Pretax return on assets | 0.6626% | 3,355 |
| Return on Equity (ROE) | 7.9300% | 2,786 |
| Retained earnings to average equity (ytd only) | 5.5940% | 2,245 |
| Net charge-offs to loans | -0.0861% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.8744% | 1,234 |
| Assets per employee ($millions) | 6.0514% | 2,829 |
| Cash dividends to net income (ytd only)* | 29.4287% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 675 |
| Loan loss allowance to noncurrent loans | 820.2443% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,875 |
| Noncurrent loans to loans | 0.2059% | 2,714 |
| Net loans and leases to total assets | 59.1000% | 3,003 |
| Net loans and leases to deposits | 71.2288% | 2,881 |
| Net loans and leases to core deposits | 82.7864% | 2,638 |
| Total domestic deposits to total assets | 82.9700% | 2,856 |
| Equity capital to assets | 8.5502% | 3,363 |
| Core capital (leverage) ratio | 10.6097% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9035% | 1,113 |
| Memoranda: | ||
| Average total assets | $912,397,750 | 1,090 |
| Average earning assets | $861,667,000 | 1,067 |
| Average equity | $75,960,250 | 1,245 |
| Average total loans | $548,383,750 | 1,203 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 3,850 |
| Cost of funding earning assets | 1.6907% | 2,877 |
| Net interest margin | 2.7601% | 3,486 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.3467% | 2,659 |
| Loan and lease loss provision to assets | -0.0700% | 4,360 |
| Net operating income to assets | 0.6661% | 3,027 |
| Return on assets (ROA) | 0.6351% | 3,130 |
| Pretax return on assets | 0.6371% | 3,372 |
| Return on Equity (ROE) | 7.7000% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.8870% | 2,373 |
| Net charge-offs to loans | -0.1173% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.3019% | 1,261 |
| Assets per employee ($millions) | 5.7985% | 2,972 |
| Cash dividends to net income (ytd only)* | 36.5245% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 704 |
| Loan loss allowance to noncurrent loans | 822.9494% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 2,817 |
| Noncurrent loans to loans | 0.2040% | 2,676 |
| Net loans and leases to total assets | 60.6700% | 2,892 |
| Net loans and leases to deposits | 73.4000% | 2,741 |
| Net loans and leases to core deposits | 81.5756% | 2,698 |
| Total domestic deposits to total assets | 82.6600% | 2,938 |
| Equity capital to assets | 8.2456% | 3,269 |
| Core capital (leverage) ratio | 11.3706% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2121% | 883 |
| Memoranda: | ||
| Average total assets | $907,910,667 | 1,101 |
| Average earning assets | $858,219,000 | 1,070 |
| Average equity | $74,892,667 | 1,250 |
| Average total loans | $545,645,667 | 1,213 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 3,892 |
| Cost of funding earning assets | 1.6546% | 2,854 |
| Net interest margin | 2.7050% | 3,557 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.3205% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5643% | 3,243 |
| Return on assets (ROA) | 0.5126% | 3,384 |
| Pretax return on assets | 0.5126% | 3,549 |
| Return on Equity (ROE) | 6.2100% | 3,160 |
| Retained earnings to average equity (ytd only) | 3.7911% | 2,768 |
| Net charge-offs to loans | -0.0119% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 78.9417% | 1,280 |
| Assets per employee ($millions) | 6.0862% | 2,771 |
| Cash dividends to net income (ytd only)* | 38.9845% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 632 |
| Loan loss allowance to noncurrent loans | 1,079.8405% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,983 |
| Noncurrent loans to loans | 0.1595% | 2,821 |
| Net loans and leases to total assets | 59.6500% | 2,891 |
| Net loans and leases to deposits | 71.2976% | 2,792 |
| Net loans and leases to core deposits | 78.8241% | 2,806 |
| Total domestic deposits to total assets | 83.6700% | 2,812 |
| Equity capital to assets | 8.2224% | 3,221 |
| Core capital (leverage) ratio | 11.2442% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1791% | 909 |
| Memoranda: | ||
| Average total assets | $906,686,000 | 1,107 |
| Average earning assets | $857,224,500 | 1,076 |
| Average equity | $74,806,500 | 1,244 |
| Average total loans | $537,576,000 | 1,220 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 4,071 |
| Cost of funding earning assets | 1.1373% | 2,965 |
| Net interest margin | 2.7743% | 3,708 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.4675% | 2,392 |
| Loan and lease loss provision to assets | -0.1400% | 4,542 |
| Net operating income to assets | 0.6382% | 3,342 |
| Return on assets (ROA) | 0.6409% | 3,315 |
| Pretax return on assets | 0.6423% | 3,555 |
| Return on Equity (ROE) | 8.3300% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.6288% | 2,373 |
| Net charge-offs to loans | 0.0589% | 1,268 |
| Credit loss provision to net charge-offs | -547.2789% | 4,541 |
| Earnings coverage of net charge-offs (x) | 14.7925% | 2,068 |
| Efficiency ratio | 81.6602% | 799 |
| Assets per employee ($millions) | 6.4752% | 2,431 |
| Cash dividends to net income (ytd only)* | 32.4615% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 548 |
| Loan loss allowance to noncurrent loans | 2,334.8259% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,303 |
| Noncurrent loans to loans | 0.0766% | 3,173 |
| Net loans and leases to total assets | 56.8500% | 3,134 |
| Net loans and leases to deposits | 66.4125% | 3,145 |
| Net loans and leases to core deposits | 74.8703% | 3,036 |
| Total domestic deposits to total assets | 85.6000% | 2,136 |
| Equity capital to assets | 8.2787% | 3,218 |
| Core capital (leverage) ratio | 11.3392% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6677% | 823 |
| Memoranda: | ||
| Average total assets | $870,953,800 | 1,109 |
| Average earning assets | $824,065,200 | 1,089 |
| Average equity | $66,977,200 | 1,295 |
| Average total loans | $499,511,600 | 1,235 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,104 |
| Cost of funding earning assets | 1.0364% | 2,937 |
| Net interest margin | 2.7721% | 3,773 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.5062% | 2,219 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 0.5450% | 3,674 |
| Return on assets (ROA) | 0.5432% | 3,660 |
| Pretax return on assets | 0.5447% | 3,832 |
| Return on Equity (ROE) | 7.2100% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.4191% | 3,141 |
| Net charge-offs to loans | 0.0616% | 1,048 |
| Credit loss provision to net charge-offs | -272.3684% | 4,552 |
| Earnings coverage of net charge-offs (x) | 12.7763% | 2,054 |
| Efficiency ratio | 83.2296% | 660 |
| Assets per employee ($millions) | 6.0734% | 2,685 |
| Cash dividends to net income (ytd only)* | 38.6959% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 361 |
| Loan loss allowance to noncurrent loans | 897.6784% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,656 |
| Noncurrent loans to loans | 0.2286% | 2,434 |
| Net loans and leases to total assets | 58.2000% | 3,017 |
| Net loans and leases to deposits | 65.7568% | 3,149 |
| Net loans and leases to core deposits | 74.4899% | 2,962 |
| Total domestic deposits to total assets | 88.5100% | 1,407 |
| Equity capital to assets | 6.7486% | 3,727 |
| Core capital (leverage) ratio | 11.2779% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4191% | 771 |
| Memoranda: | ||
| Average total assets | $862,059,750 | 1,122 |
| Average earning assets | $815,905,750 | 1,097 |
| Average equity | $64,959,250 | 1,307 |
| Average total loans | $493,211,750 | 1,239 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,201 |
| Cost of funding earning assets | 0.9045% | 2,913 |
| Net interest margin | 2.7428% | 3,920 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5080% | 2,183 |
| Loan and lease loss provision to assets | -0.1200% | 4,579 |
| Net operating income to assets | 0.5204% | 3,768 |
| Return on assets (ROA) | 0.5155% | 3,785 |
| Pretax return on assets | 0.5172% | 3,939 |
| Return on Equity (ROE) | 6.6100% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.9229% | 3,223 |
| Net charge-offs to loans | -0.0066% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.5103% | 568 |
| Assets per employee ($millions) | 6.0450% | 2,670 |
| Cash dividends to net income (ytd only)* | 40.6825% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 329 |
| Loan loss allowance to noncurrent loans | 722.7425% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,343 |
| Noncurrent loans to loans | 0.2986% | 2,066 |
| Net loans and leases to total assets | 56.6700% | 3,072 |
| Net loans and leases to deposits | 64.9860% | 3,125 |
| Net loans and leases to core deposits | 73.2777% | 2,944 |
| Total domestic deposits to total assets | 87.2100% | 1,866 |
| Equity capital to assets | 7.9144% | 3,274 |
| Core capital (leverage) ratio | 11.2925% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4859% | 762 |
| Memoranda: | ||
| Average total assets | $863,961,667 | 1,111 |
| Average earning assets | $818,155,667 | 1,090 |
| Average equity | $67,348,333 | 1,274 |
| Average total loans | $487,999,333 | 1,237 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4699% | 4,297 |
| Cost of funding earning assets | 0.8045% | 2,717 |
| Net interest margin | 2.6654% | 4,124 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.5045% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3431% | 4,180 |
| Return on assets (ROA) | 0.3358% | 4,151 |
| Pretax return on assets | 0.3381% | 4,224 |
| Return on Equity (ROE) | 4.3400% | 3,985 |
| Retained earnings to average equity (ytd only) | 1.6284% | 3,760 |
| Net charge-offs to loans | -0.0066% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.2853% | 498 |
| Assets per employee ($millions) | 5.4741% | 3,243 |
| Cash dividends to net income (ytd only)* | 62.4828% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 284 |
| Loan loss allowance to noncurrent loans | 106.5252% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 293 |
| Noncurrent loans to loans | 2.1633% | 248 |
| Net loans and leases to total assets | 55.3700% | 3,082 |
| Net loans and leases to deposits | 62.8193% | 3,176 |
| Net loans and leases to core deposits | 70.4525% | 2,924 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 8.0733% | 3,191 |
| Core capital (leverage) ratio | 11.1367% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6465% | 781 |
| Memoranda: | ||
| Average total assets | $863,726,500 | 1,126 |
| Average earning assets | $818,925,500 | 1,104 |
| Average equity | $66,815,000 | 1,292 |
| Average total loans | $481,643,500 | 1,264 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1367% | 3,928 |
| Cost of funding earning assets | 0.2359% | 3,452 |
| Net interest margin | 2.9008% | 3,679 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.3387% | 2,622 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.7376% | 3,514 |
| Return on assets (ROA) | 0.7247% | 3,496 |
| Pretax return on assets | 0.7330% | 3,789 |
| Return on Equity (ROE) | 8.7400% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.3242% | 2,521 |
| Net charge-offs to loans | -0.0159% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.6255% | 1,159 |
| Assets per employee ($millions) | 5.1038% | 3,593 |
| Cash dividends to net income (ytd only)* | 27.6632% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3864% | 236 |
| Loan loss allowance to noncurrent loans | 105.9900% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 303 |
| Noncurrent loans to loans | 2.2515% | 225 |
| Net loans and leases to total assets | 53.5400% | 3,236 |
| Net loans and leases to deposits | 61.4194% | 3,243 |
| Net loans and leases to core deposits | 64.1319% | 3,255 |
| Total domestic deposits to total assets | 87.1600% | 2,340 |
| Equity capital to assets | 7.3971% | 3,438 |
| Core capital (leverage) ratio | 10.9990% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9899% | 721 |
| Memoranda: | ||
| Average total assets | $902,859,000 | 1,075 |
| Average earning assets | $856,694,200 | 1,050 |
| Average equity | $74,839,800 | 1,189 |
| Average total loans | $464,504,200 | 1,240 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 3,757 |
| Cost of funding earning assets | 0.1688% | 3,331 |
| Net interest margin | 2.7386% | 3,614 |
| Noninterest income to average assets | 0.3053% | 3,334 |
| Noninterest expense to average assets | 2.2666% | 2,651 |
| Loan and lease loss provision to assets | -0.0078% | 4,392 |
| Net operating income to assets | 0.6381% | 3,515 |
| Return on assets (ROA) | 0.6319% | 3,482 |
| Pretax return on assets | 0.6384% | 3,734 |
| Return on Equity (ROE) | 6.9643% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.8287% | 2,775 |
| Net charge-offs to loans | -0.0251% | 3,979 |
| Credit loss provision to net charge-offs | 62.0690% | 1,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6185% | 1,208 |
| Assets per employee ($millions) | 5.5558% | 3,168 |
| Cash dividends to net income (ytd only)* | 30.6644% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 284 |
| Loan loss allowance to noncurrent loans | 97.4677% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 318 |
| Noncurrent loans to loans | 2.4819% | 230 |
| Net loans and leases to total assets | 50.0986% | 3,369 |
| Net loans and leases to deposits | 56.4809% | 3,343 |
| Net loans and leases to core deposits | 58.7659% | 3,369 |
| Total domestic deposits to total assets | 88.7000% | 2,295 |
| Equity capital to assets | 7.6338% | 3,384 |
| Core capital (leverage) ratio | 10.4115% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2683% | 818 |
| Memoranda: | ||
| Average total assets | $928,900,667 | 1,052 |
| Average earning assets | $881,264,333 | 1,034 |
| Average equity | $84,287,333 | 1,112 |
| Average total loans | $461,961,667 | 1,242 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7649% | 3,813 |
| Cost of funding earning assets | 0.1782% | 3,108 |
| Net interest margin | 2.5867% | 3,692 |
| Noninterest income to average assets | 0.3033% | 3,294 |
| Noninterest expense to average assets | 2.2300% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5251% | 3,638 |
| Return on assets (ROA) | 0.5208% | 3,617 |
| Pretax return on assets | 0.5208% | 3,833 |
| Return on Equity (ROE) | 5.3288% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.3649% | 3,153 |
| Net charge-offs to loans | -0.0035% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4241% | 1,191 |
| Assets per employee ($millions) | 5.6821% | 3,143 |
| Cash dividends to net income (ytd only)* | 36.8550% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 319 |
| Loan loss allowance to noncurrent loans | 90.2685% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 291 |
| Noncurrent loans to loans | 2.6621% | 220 |
| Net loans and leases to total assets | 49.5437% | 3,220 |
| Net loans and leases to deposits | 56.5295% | 3,215 |
| Net loans and leases to core deposits | 59.2978% | 3,207 |
| Total domestic deposits to total assets | 87.6422% | 2,689 |
| Equity capital to assets | 8.6947% | 2,978 |
| Core capital (leverage) ratio | 10.2217% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8268% | 928 |
| Memoranda: | ||
| Average total assets | $937,773,000 | 1,049 |
| Average earning assets | $888,861,500 | 1,025 |
| Average equity | $91,653,000 | 1,069 |
| Average total loans | $459,046,500 | 1,238 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 3,133 |
| Cost of funding earning assets | 0.2930% | 2,469 |
| Net interest margin | 3.0307% | 3,110 |
| Noninterest income to average assets | 0.3288% | 3,447 |
| Noninterest expense to average assets | 2.2214% | 3,008 |
| Loan and lease loss provision to assets | 0.0548% | 1,955 |
| Net operating income to assets | 0.9230% | 2,964 |
| Return on assets (ROA) | 1.0591% | 2,520 |
| Pretax return on assets | 1.0664% | 3,082 |
| Return on Equity (ROE) | 9.4339% | 2,744 |
| Retained earnings to average equity (ytd only) | 6.6950% | 2,039 |
| Net charge-offs to loans | 0.2251% | 413 |
| Credit loss provision to net charge-offs | 46.2604% | 2,158 |
| Earnings coverage of net charge-offs (x) | 8.3084% | 2,306 |
| Efficiency ratio | 67.9730% | 1,986 |
| Assets per employee ($millions) | 5.6510% | 3,117 |
| Cash dividends to net income (ytd only)* | 29.0329% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5214% | 267 |
| Loan loss allowance to noncurrent loans | 98.7151% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 396 |
| Noncurrent loans to loans | 2.5542% | 262 |
| Net loans and leases to total assets | 45.9925% | 3,693 |
| Net loans and leases to deposits | 54.1375% | 3,592 |
| Net loans and leases to core deposits | 56.2796% | 3,596 |
| Total domestic deposits to total assets | 84.9549% | 3,283 |
| Equity capital to assets | 10.8259% | 1,918 |
| Core capital (leverage) ratio | 9.8124% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2509% | 860 |
| Memoranda: | ||
| Average total assets | $914,797,800 | 1,029 |
| Average earning assets | $868,146,800 | 1,014 |
| Average equity | $102,703,600 | 993 |
| Average total loans | $481,202,200 | 1,198 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 3,376 |
| Cost of funding earning assets | 0.3175% | 2,428 |
| Net interest margin | 2.9877% | 3,339 |
| Noninterest income to average assets | 0.3252% | 3,478 |
| Noninterest expense to average assets | 2.1338% | 3,268 |
| Loan and lease loss provision to assets | 0.1178% | 1,013 |
| Net operating income to assets | 0.9028% | 3,243 |
| Return on assets (ROA) | 1.0835% | 2,673 |
| Pretax return on assets | 1.0903% | 3,214 |
| Return on Equity (ROE) | 9.5617% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.5909% | 2,579 |
| Net charge-offs to loans | 0.1430% | 574 |
| Credit loss provision to net charge-offs | 152.3810% | 1,349 |
| Earnings coverage of net charge-offs (x) | 13.2743% | 1,930 |
| Efficiency ratio | 66.1683% | 2,079 |
| Assets per employee ($millions) | 5.5396% | 3,155 |
| Cash dividends to net income (ytd only)* | 31.0701% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6371% | 226 |
| Loan loss allowance to noncurrent loans | 101.4104% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3354% | 421 |
| Noncurrent loans to loans | 2.6004% | 277 |
| Net loans and leases to total assets | 49.3804% | 3,482 |
| Net loans and leases to deposits | 59.7846% | 3,247 |
| Net loans and leases to core deposits | 62.6496% | 3,253 |
| Total domestic deposits to total assets | 82.5971% | 3,803 |
| Equity capital to assets | 11.2851% | 1,826 |
| Core capital (leverage) ratio | 10.1895% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9911% | 959 |
| Memoranda: | ||
| Average total assets | $906,156,250 | 1,052 |
| Average earning assets | $859,539,000 | 1,032 |
| Average equity | $102,685,250 | 1,010 |
| Average total loans | $489,520,250 | 1,206 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 3,467 |
| Cost of funding earning assets | 0.3433% | 2,372 |
| Net interest margin | 2.9428% | 3,465 |
| Noninterest income to average assets | 0.3380% | 3,413 |
| Noninterest expense to average assets | 2.0849% | 3,434 |
| Loan and lease loss provision to assets | 0.1325% | 933 |
| Net operating income to assets | 0.9039% | 3,208 |
| Return on assets (ROA) | 1.1752% | 2,345 |
| Pretax return on assets | 1.1809% | 2,963 |
| Return on Equity (ROE) | 10.3564% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.8004% | 2,152 |
| Net charge-offs to loans | -0.0008% | 3,070 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2797% | 2,262 |
| Assets per employee ($millions) | 5.7698% | 2,833 |
| Cash dividends to net income (ytd only)* | 24.6805% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5470% | 262 |
| Loan loss allowance to noncurrent loans | 77.9437% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7723% | 265 |
| Noncurrent loans to loans | 3.2677% | 207 |
| Net loans and leases to total assets | 52.3720% | 3,306 |
| Net loans and leases to deposits | 63.5202% | 3,051 |
| Net loans and leases to core deposits | 66.6979% | 3,054 |
| Total domestic deposits to total assets | 82.4493% | 3,829 |
| Equity capital to assets | 11.3936% | 1,706 |
| Core capital (leverage) ratio | 10.1225% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5429% | 1,026 |
| Memoranda: | ||
| Average total assets | $905,375,333 | 1,045 |
| Average earning assets | $858,091,667 | 1,026 |
| Average equity | $102,738,667 | 1,003 |
| Average total loans | $499,103,333 | 1,191 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 3,628 |
| Cost of funding earning assets | 0.3703% | 2,351 |
| Net interest margin | 2.8591% | 3,619 |
| Noninterest income to average assets | 0.3196% | 3,491 |
| Noninterest expense to average assets | 2.0748% | 3,497 |
| Loan and lease loss provision to assets | 0.1552% | 828 |
| Net operating income to assets | 0.8011% | 3,421 |
| Return on assets (ROA) | 1.1048% | 2,537 |
| Pretax return on assets | 1.1079% | 3,093 |
| Return on Equity (ROE) | 9.7559% | 2,771 |
| Retained earnings to average equity (ytd only) | 7.2582% | 2,491 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9199% | 2,093 |
| Assets per employee ($millions) | 5.8319% | 2,760 |
| Cash dividends to net income (ytd only)* | 25.6019% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4424% | 284 |
| Loan loss allowance to noncurrent loans | 75.2369% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.8140% | 304 |
| Noncurrent loans to loans | 3.2463% | 229 |
| Net loans and leases to total assets | 54.0237% | 3,237 |
| Net loans and leases to deposits | 65.0566% | 3,020 |
| Net loans and leases to core deposits | 68.4892% | 3,018 |
| Total domestic deposits to total assets | 83.0410% | 3,674 |
| Equity capital to assets | 11.0573% | 1,817 |
| Core capital (leverage) ratio | 10.1254% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2477% | 1,034 |
| Memoranda: | ||
| Average total assets | $902,246,500 | 1,035 |
| Average earning assets | $856,637,000 | 1,017 |
| Average equity | $102,174,000 | 996 |
| Average total loans | $503,696,000 | 1,180 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 3,400 |
| Cost of funding earning assets | 0.6286% | 2,129 |
| Net interest margin | 3.1387% | 3,529 |
| Noninterest income to average assets | 0.3189% | 3,550 |
| Noninterest expense to average assets | 2.0807% | 3,976 |
| Loan and lease loss provision to assets | 0.2405% | 1,623 |
| Net operating income to assets | 0.9586% | 2,443 |
| Return on assets (ROA) | 1.0251% | 2,339 |
| Pretax return on assets | 1.0304% | 2,941 |
| Return on Equity (ROE) | 8.8873% | 2,445 |
| Retained earnings to average equity (ytd only) | 6.1903% | 1,715 |
| Net charge-offs to loans | 0.3794% | 452 |
| Credit loss provision to net charge-offs | 105.1282% | 2,768 |
| Earnings coverage of net charge-offs (x) | 5.2621% | 2,877 |
| Efficiency ratio | 61.9165% | 3,152 |
| Assets per employee ($millions) | 5.8859% | 2,451 |
| Cash dividends to net income (ytd only)* | 30.3467% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3432% | 321 |
| Loan loss allowance to noncurrent loans | 76.5108% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 366 |
| Noncurrent loans to loans | 3.0626% | 275 |
| Net loans and leases to total assets | 54.9605% | 3,392 |
| Net loans and leases to deposits | 67.6773% | 3,111 |
| Net loans and leases to core deposits | 71.4523% | 3,134 |
| Total domestic deposits to total assets | 81.2096% | 3,829 |
| Equity capital to assets | 11.5925% | 1,817 |
| Core capital (leverage) ratio | 9.9722% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5879% | 1,127 |
| Memoranda: | ||
| Average total assets | $852,506,200 | 1,007 |
| Average earning assets | $805,422,200 | 997 |
| Average equity | $98,330,800 | 971 |
| Average total loans | $513,935,800 | 1,114 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 3,594 |
| Cost of funding earning assets | 0.6919% | 2,073 |
| Net interest margin | 3.0981% | 3,746 |
| Noninterest income to average assets | 0.3171% | 3,591 |
| Noninterest expense to average assets | 2.0936% | 3,964 |
| Loan and lease loss provision to assets | 0.2062% | 1,945 |
| Net operating income to assets | 0.9359% | 2,581 |
| Return on assets (ROA) | 1.0154% | 2,408 |
| Pretax return on assets | 1.0198% | 2,996 |
| Return on Equity (ROE) | 8.8153% | 2,471 |
| Retained earnings to average equity (ytd only) | 7.0607% | 1,663 |
| Net charge-offs to loans | 0.4889% | 305 |
| Credit loss provision to net charge-offs | 68.7467% | 2,820 |
| Earnings coverage of net charge-offs (x) | 3.8223% | 2,878 |
| Efficiency ratio | 63.1352% | 2,892 |
| Assets per employee ($millions) | 5.5787% | 2,641 |
| Cash dividends to net income (ytd only)* | 19.9031% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1745% | 365 |
| Loan loss allowance to noncurrent loans | 42.7104% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.9900% | 153 |
| Noncurrent loans to loans | 5.0913% | 103 |
| Net loans and leases to total assets | 57.4500% | 3,470 |
| Net loans and leases to deposits | 71.6941% | 3,161 |
| Net loans and leases to core deposits | 75.8574% | 3,175 |
| Total domestic deposits to total assets | 80.1321% | 3,836 |
| Equity capital to assets | 11.6751% | 1,893 |
| Core capital (leverage) ratio | 9.9508% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5751% | 1,117 |
| Memoranda: | ||
| Average total assets | $840,496,000 | 1,005 |
| Average earning assets | $793,021,500 | 996 |
| Average equity | $96,814,500 | 977 |
| Average total loans | $515,714,500 | 1,102 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,738 |
| Cost of funding earning assets | 0.7649% | 2,021 |
| Net interest margin | 3.0859% | 3,928 |
| Noninterest income to average assets | 0.3009% | 3,665 |
| Noninterest expense to average assets | 2.0514% | 4,128 |
| Loan and lease loss provision to assets | 0.1327% | 2,688 |
| Net operating income to assets | 1.0226% | 2,245 |
| Return on assets (ROA) | 1.1070% | 2,066 |
| Pretax return on assets | 1.1097% | 2,687 |
| Return on Equity (ROE) | 9.6568% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.9221% | 1,331 |
| Net charge-offs to loans | 0.7176% | 217 |
| Credit loss provision to net charge-offs | 29.6976% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.5907% | 2,755 |
| Efficiency ratio | 62.4079% | 3,060 |
| Assets per employee ($millions) | 5.6441% | 2,495 |
| Cash dividends to net income (ytd only)* | 17.9638% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 425 |
| Loan loss allowance to noncurrent loans | 37.3192% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 3.2265% | 134 |
| Noncurrent loans to loans | 5.3904% | 91 |
| Net loans and leases to total assets | 58.3190% | 3,488 |
| Net loans and leases to deposits | 72.2959% | 3,226 |
| Net loans and leases to core deposits | 78.0887% | 3,096 |
| Total domestic deposits to total assets | 80.6671% | 3,690 |
| Equity capital to assets | 11.4778% | 1,987 |
| Core capital (leverage) ratio | 9.9147% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4160% | 1,151 |
| Memoranda: | ||
| Average total assets | $828,709,333 | 1,002 |
| Average earning assets | $781,029,000 | 991 |
| Average equity | $95,000,333 | 984 |
| Average total loans | $516,164,667 | 1,090 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 3,583 |
| Cost of funding earning assets | 0.8483% | 2,121 |
| Net interest margin | 3.2291% | 3,788 |
| Noninterest income to average assets | 0.3431% | 3,467 |
| Noninterest expense to average assets | 2.1414% | 4,136 |
| Loan and lease loss provision to assets | 0.0496% | 3,156 |
| Net operating income to assets | 1.1891% | 1,551 |
| Return on assets (ROA) | 1.3301% | 1,250 |
| Pretax return on assets | 1.3301% | 1,781 |
| Return on Equity (ROE) | 11.6106% | 1,227 |
| Retained earnings to average equity (ytd only) | 9.8554% | 772 |
| Net charge-offs to loans | 0.0031% | 2,480 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 623.7500% | 95 |
| Efficiency ratio | 61.8684% | 3,513 |
| Assets per employee ($millions) | 5.4006% | 2,227 |
| Cash dividends to net income (ytd only)* | 15.1176% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3613% | 302 |
| Loan loss allowance to noncurrent loans | 38.4705% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.8095% | 110 |
| Noncurrent loans to loans | 6.1379% | 78 |
| Net loans and leases to total assets | 60.5997% | 3,437 |
| Net loans and leases to deposits | 75.7340% | 3,095 |
| Net loans and leases to core deposits | 83.2968% | 2,911 |
| Total domestic deposits to total assets | 80.0165% | 3,856 |
| Equity capital to assets | 11.7104% | 2,280 |
| Core capital (leverage) ratio | 10.4823% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8025% | 1,395 |
| Memoranda: | ||
| Average total assets | $805,649,000 | 996 |
| Average earning assets | $757,746,000 | 986 |
| Average equity | $92,295,000 | 1,008 |
| Average total loans | $513,914,000 | 1,074 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 3,686 |
| Cost of funding earning assets | 0.8869% | 2,248 |
| Net interest margin | 3.3614% | 3,847 |
| Noninterest income to average assets | 0.3551% | 3,580 |
| Noninterest expense to average assets | 2.1357% | 4,297 |
| Loan and lease loss provision to assets | 0.4367% | 317 |
| Net operating income to assets | 0.9311% | 3,086 |
| Return on assets (ROA) | 0.9328% | 3,163 |
| Pretax return on assets | 0.9468% | 3,611 |
| Return on Equity (ROE) | 8.6008% | 2,907 |
| Retained earnings to average equity (ytd only) | 5.4483% | 2,192 |
| Net charge-offs to loans | 0.4444% | 432 |
| Credit loss provision to net charge-offs | 141.1043% | 1,833 |
| Earnings coverage of net charge-offs (x) | 4.4642% | 3,213 |
| Efficiency ratio | 59.2709% | 3,804 |
| Assets per employee ($millions) | 5.3414% | 2,206 |
| Cash dividends to net income (ytd only)* | 36.6535% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 313 |
| Loan loss allowance to noncurrent loans | 45.6824% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 3.2174% | 161 |
| Noncurrent loans to loans | 4.9097% | 109 |
| Net loans and leases to total assets | 64.0617% | 3,193 |
| Net loans and leases to deposits | 80.3505% | 2,734 |
| Net loans and leases to core deposits | 88.6714% | 2,546 |
| Total domestic deposits to total assets | 79.7279% | 4,035 |
| Equity capital to assets | 11.1988% | 2,818 |
| Core capital (leverage) ratio | 10.2380% | 3,261 |
| Tier 1 risk-based capital ratio | 14.6171% | 2,952 |
| Total risk-based capital ratio | 15.8780% | 2,854 |
| Memoranda: | ||
| Average total assets | $789,946,800 | 984 |
| Average earning assets | $743,172,800 | 968 |
| Average equity | $85,677,600 | 1,026 |
| Average total loans | $550,195,200 | 981 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 3,771 |
| Cost of funding earning assets | 0.8889% | 2,279 |
| Net interest margin | 3.3733% | 3,934 |
| Noninterest income to average assets | 0.3472% | 3,647 |
| Noninterest expense to average assets | 2.1748% | 4,228 |
| Loan and lease loss provision to assets | 0.5336% | 223 |
| Net operating income to assets | 0.7980% | 3,682 |
| Return on assets (ROA) | 0.8004% | 3,743 |
| Pretax return on assets | 0.8141% | 4,091 |
| Return on Equity (ROE) | 7.4409% | 3,528 |
| Retained earnings to average equity (ytd only) | 3.6267% | 3,591 |
| Net charge-offs to loans | 0.5762% | 284 |
| Credit loss provision to net charge-offs | 130.9771% | 1,814 |
| Earnings coverage of net charge-offs (x) | 3.3023% | 3,112 |
| Efficiency ratio | 60.3291% | 3,579 |
| Assets per employee ($millions) | 5.0464% | 2,499 |
| Cash dividends to net income (ytd only)* | 51.2592% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1711% | 346 |
| Loan loss allowance to noncurrent loans | 45.1130% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 3.2219% | 164 |
| Noncurrent loans to loans | 4.8126% | 112 |
| Net loans and leases to total assets | 65.4941% | 3,113 |
| Net loans and leases to deposits | 81.6995% | 2,725 |
| Net loans and leases to core deposits | 90.2372% | 2,531 |
| Total domestic deposits to total assets | 80.1646% | 3,961 |
| Equity capital to assets | 11.0917% | 3,020 |
| Core capital (leverage) ratio | 10.1186% | 3,512 |
| Tier 1 risk-based capital ratio | 14.0168% | 3,320 |
| Total risk-based capital ratio | 15.2770% | 3,221 |
| Memoranda: | ||
| Average total assets | $787,130,250 | 987 |
| Average earning assets | $740,350,500 | 970 |
| Average equity | $84,665,500 | 1,028 |
| Average total loans | $556,482,250 | 970 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 3,890 |
| Cost of funding earning assets | 0.8857% | 2,217 |
| Net interest margin | 3.3279% | 4,081 |
| Noninterest income to average assets | 0.3361% | 3,685 |
| Noninterest expense to average assets | 2.1787% | 4,275 |
| Loan and lease loss provision to assets | 0.4711% | 253 |
| Net operating income to assets | 0.8019% | 3,645 |
| Return on assets (ROA) | 0.8024% | 3,705 |
| Pretax return on assets | 0.8156% | 4,052 |
| Return on Equity (ROE) | 7.5388% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.7298% | 3,836 |
| Net charge-offs to loans | 0.8574% | 166 |
| Credit loss provision to net charge-offs | 76.3516% | 2,261 |
| Earnings coverage of net charge-offs (x) | 2.0846% | 2,969 |
| Efficiency ratio | 61.4022% | 3,523 |
| Assets per employee ($millions) | 5.0606% | 2,404 |
| Cash dividends to net income (ytd only)* | 63.7893% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 670 |
| Loan loss allowance to noncurrent loans | 42.0814% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 3.1096% | 180 |
| Noncurrent loans to loans | 4.3009% | 152 |
| Net loans and leases to total assets | 70.9921% | 2,386 |
| Net loans and leases to deposits | 88.1415% | 1,993 |
| Net loans and leases to core deposits | 98.2941% | 1,869 |
| Total domestic deposits to total assets | 80.5433% | 3,927 |
| Equity capital to assets | 11.0158% | 3,030 |
| Core capital (leverage) ratio | 9.9231% | 3,674 |
| Tier 1 risk-based capital ratio | 13.1615% | 3,752 |
| Total risk-based capital ratio | 14.4176% | 3,659 |
| Memoranda: | ||
| Average total assets | $785,411,330 | 991 |
| Average earning assets | $738,421,330 | 975 |
| Average equity | $83,594,670 | 1,041 |
| Average total loans | $565,170,670 | 956 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 3,206 |
| Cost of funding earning assets | 0.8695% | 2,159 |
| Net interest margin | 3.5358% | 3,479 |
| Noninterest income to average assets | 0.3120% | 3,775 |
| Noninterest expense to average assets | 2.1789% | 4,317 |
| Loan and lease loss provision to assets | 0.2283% | 675 |
| Net operating income to assets | 1.2186% | 1,994 |
| Return on assets (ROA) | 1.2186% | 2,041 |
| Pretax return on assets | 1.2303% | 2,700 |
| Return on Equity (ROE) | 11.6507% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.3395% | 2,301 |
| Net charge-offs to loans | 0.0516% | 1,546 |
| Credit loss provision to net charge-offs | 616.4384% | 530 |
| Earnings coverage of net charge-offs (x) | 39.3836% | 1,161 |
| Efficiency ratio | 58.4937% | 4,012 |
| Assets per employee ($millions) | 4.9410% | 2,596 |
| Cash dividends to net income (ytd only)* | 45.5870% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 550 |
| Loan loss allowance to noncurrent loans | 64.1058% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.2313% | 389 |
| Noncurrent loans to loans | 3.0427% | 354 |
| Net loans and leases to total assets | 70.8856% | 2,344 |
| Net loans and leases to deposits | 87.5929% | 1,925 |
| Net loans and leases to core deposits | 97.9383% | 1,780 |
| Total domestic deposits to total assets | 80.9262% | 3,984 |
| Equity capital to assets | 10.6707% | 3,188 |
| Core capital (leverage) ratio | 9.8723% | 3,736 |
| Tier 1 risk-based capital ratio | 12.8835% | 3,939 |
| Total risk-based capital ratio | 14.1411% | 3,832 |
| Memoranda: | ||
| Average total assets | $788,454,500 | 986 |
| Average earning assets | $741,552,500 | 975 |
| Average equity | $82,467,500 | 1,045 |
| Average total loans | $566,027,500 | 956 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,608 |
| Cost of funding earning assets | 0.7716% | 1,682 |
| Net interest margin | 3.3714% | 4,072 |
| Noninterest income to average assets | 0.3261% | 3,922 |
| Noninterest expense to average assets | 2.0085% | 4,738 |
| Loan and lease loss provision to assets | 0.5232% | 220 |
| Net operating income to assets | 0.9504% | 3,231 |
| Return on assets (ROA) | 0.8937% | 3,453 |
| Pretax return on assets | 0.9035% | 3,888 |
| Return on Equity (ROE) | 8.8649% | 3,058 |
| Retained earnings to average equity (ytd only) | 3.4432% | 3,690 |
| Net charge-offs to loans | 0.0092% | 3,364 |
| Credit loss provision to net charge-offs | 8,200.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 232.5800% | 401 |
| Efficiency ratio | 56.0837% | 4,398 |
| Assets per employee ($millions) | 4.9456% | 2,564 |
| Cash dividends to net income (ytd only)* | 61.1595% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 550 |
| Loan loss allowance to noncurrent loans | 58.5826% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.3381% | 348 |
| Noncurrent loans to loans | 3.2802% | 289 |
| Net loans and leases to total assets | 69.9108% | 2,572 |
| Net loans and leases to deposits | 86.0980% | 2,259 |
| Net loans and leases to core deposits | 96.1357% | 2,056 |
| Total domestic deposits to total assets | 81.1991% | 3,844 |
| Equity capital to assets | 10.2469% | 3,428 |
| Core capital (leverage) ratio | 9.7057% | 3,900 |
| Tier 1 risk-based capital ratio | 12.8876% | 3,908 |
| Total risk-based capital ratio | 14.1451% | 3,797 |
| Memoranda: | ||
| Average total assets | $783,620,000 | 966 |
| Average earning assets | $735,980,200 | 952 |
| Average equity | $78,996,600 | 1,039 |
| Average total loans | $542,399,200 | 962 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 3,551 |
| Cost of funding earning assets | 0.7424% | 1,613 |
| Net interest margin | 3.3841% | 4,053 |
| Noninterest income to average assets | 0.3174% | 4,027 |
| Noninterest expense to average assets | 1.9839% | 4,772 |
| Loan and lease loss provision to assets | 0.5279% | 205 |
| Net operating income to assets | 0.9723% | 3,208 |
| Return on assets (ROA) | 0.9606% | 3,279 |
| Pretax return on assets | 0.9709% | 3,814 |
| Return on Equity (ROE) | 9.5687% | 2,809 |
| Retained earnings to average equity (ytd only) | 3.8302% | 3,865 |
| Net charge-offs to loans | 0.0069% | 3,177 |
| Credit loss provision to net charge-offs | 11,071.4286% | 30 |
| Earnings coverage of net charge-offs (x) | 316.8061% | 296 |
| Efficiency ratio | 55.3460% | 4,464 |
| Assets per employee ($millions) | 5.4992% | 1,913 |
| Cash dividends to net income (ytd only)* | 59.9715% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 790 |
| Loan loss allowance to noncurrent loans | 152.2070% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 1,811 |
| Noncurrent loans to loans | 1.1525% | 1,468 |
| Net loans and leases to total assets | 69.7463% | 2,688 |
| Net loans and leases to deposits | 87.0748% | 2,254 |
| Net loans and leases to core deposits | 97.3808% | 1,983 |
| Total domestic deposits to total assets | 80.0992% | 4,098 |
| Equity capital to assets | 9.9328% | 3,716 |
| Core capital (leverage) ratio | 9.5645% | 4,096 |
| Tier 1 risk-based capital ratio | 12.6453% | 4,126 |
| Total risk-based capital ratio | 13.9002% | 4,011 |
| Memoranda: | ||
| Average total assets | $782,936,250 | 967 |
| Average earning assets | $735,028,250 | 953 |
| Average equity | $78,601,500 | 1,037 |
| Average total loans | $537,869,500 | 969 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 3,553 |
| Cost of funding earning assets | 0.6808% | 1,735 |
| Net interest margin | 3.3885% | 3,989 |
| Noninterest income to average assets | 0.3153% | 4,066 |
| Noninterest expense to average assets | 1.9724% | 4,846 |
| Loan and lease loss provision to assets | 0.1023% | 1,895 |
| Net operating income to assets | 1.4117% | 1,392 |
| Return on assets (ROA) | 1.4117% | 1,393 |
| Pretax return on assets | 1.4222% | 2,078 |
| Return on Equity (ROE) | 13.9481% | 1,082 |
| Retained earnings to average equity (ytd only) | 8.0743% | 1,596 |
| Net charge-offs to loans | 0.0132% | 2,695 |
| Credit loss provision to net charge-offs | 1,142.8571% | 365 |
| Earnings coverage of net charge-offs (x) | 170.3429% | 473 |
| Efficiency ratio | 54.9795% | 4,585 |
| Assets per employee ($millions) | 5.3544% | 2,040 |
| Cash dividends to net income (ytd only)* | 42.1119% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,173 |
| Loan loss allowance to noncurrent loans | 154.9869% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 2,500 |
| Noncurrent loans to loans | 0.8383% | 2,049 |
| Net loans and leases to total assets | 67.9291% | 2,882 |
| Net loans and leases to deposits | 84.7686% | 2,448 |
| Net loans and leases to core deposits | 94.7388% | 2,157 |
| Total domestic deposits to total assets | 80.1347% | 4,208 |
| Equity capital to assets | 10.0903% | 3,546 |
| Core capital (leverage) ratio | 9.7181% | 3,863 |
| Tier 1 risk-based capital ratio | 12.8644% | 3,972 |
| Total risk-based capital ratio | 14.0666% | 3,909 |
| Memoranda: | ||
| Average total assets | $782,184,330 | 971 |
| Average earning assets | $734,424,000 | 957 |
| Average equity | $79,165,000 | 1,031 |
| Average total loans | $531,068,670 | 986 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,592 |
| Cost of funding earning assets | 0.6053% | 2,028 |
| Net interest margin | 3.3992% | 3,886 |
| Noninterest income to average assets | 0.3109% | 4,079 |
| Noninterest expense to average assets | 1.9618% | 4,922 |
| Loan and lease loss provision to assets | 0.0772% | 2,225 |
| Net operating income to assets | 1.4511% | 1,192 |
| Return on assets (ROA) | 1.4511% | 1,198 |
| Pretax return on assets | 1.4635% | 1,793 |
| Return on Equity (ROE) | 14.3155% | 945 |
| Retained earnings to average equity (ytd only) | 8.2217% | 1,758 |
| Net charge-offs to loans | -0.0023% | 3,820 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5708% | 4,735 |
| Assets per employee ($millions) | 5.5570% | 1,881 |
| Cash dividends to net income (ytd only)* | 42.5683% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,267 |
| Loan loss allowance to noncurrent loans | 98.8638% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 1,787 |
| Noncurrent loans to loans | 1.3103% | 1,360 |
| Net loans and leases to total assets | 66.8464% | 2,915 |
| Net loans and leases to deposits | 82.4811% | 2,551 |
| Net loans and leases to core deposits | 90.5983% | 2,407 |
| Total domestic deposits to total assets | 81.0445% | 4,189 |
| Equity capital to assets | 10.0169% | 3,575 |
| Core capital (leverage) ratio | 9.6875% | 3,863 |
| Tier 1 risk-based capital ratio | 12.9171% | 3,996 |
| Total risk-based capital ratio | 14.1145% | 3,919 |
| Memoranda: | ||
| Average total assets | $777,053,000 | 979 |
| Average earning assets | $729,578,000 | 969 |
| Average equity | $78,767,500 | 1,044 |
| Average total loans | $523,909,000 | 1,002 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 3,582 |
| Cost of funding earning assets | 0.5432% | 2,002 |
| Net interest margin | 3.4031% | 3,844 |
| Noninterest income to average assets | 0.3553% | 3,925 |
| Noninterest expense to average assets | 1.9131% | 5,099 |
| Loan and lease loss provision to assets | 0.0224% | 3,851 |
| Net operating income to assets | 1.5832% | 674 |
| Return on assets (ROA) | 1.5837% | 687 |
| Pretax return on assets | 1.5957% | 1,302 |
| Return on Equity (ROE) | 15.7717% | 508 |
| Retained earnings to average equity (ytd only) | 8.9781% | 513 |
| Net charge-offs to loans | 0.0088% | 3,779 |
| Credit loss provision to net charge-offs | 386.3636% | 785 |
| Earnings coverage of net charge-offs (x) | 278.8864% | 303 |
| Efficiency ratio | 52.7292% | 5,061 |
| Assets per employee ($millions) | 5.6246% | 1,820 |
| Cash dividends to net income (ytd only)* | 43.0747% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,220 |
| Loan loss allowance to noncurrent loans | 243.2501% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,405 |
| Noncurrent loans to loans | 0.5342% | 2,899 |
| Net loans and leases to total assets | 66.2442% | 3,068 |
| Net loans and leases to deposits | 79.2047% | 3,004 |
| Net loans and leases to core deposits | 87.0269% | 2,822 |
| Total domestic deposits to total assets | 83.6367% | 3,339 |
| Equity capital to assets | 10.2585% | 3,424 |
| Core capital (leverage) ratio | 9.6741% | 3,843 |
| Tier 1 risk-based capital ratio | 13.0279% | 3,885 |
| Total risk-based capital ratio | 14.2265% | 3,820 |
| Memoranda: | ||
| Average total assets | $758,608,200 | 975 |
| Average earning assets | $707,846,200 | 971 |
| Average equity | $76,174,400 | 1,060 |
| Average total loans | $499,023,800 | 1,026 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,533 |
| Cost of funding earning assets | 0.5354% | 1,986 |
| Net interest margin | 3.4103% | 3,812 |
| Noninterest income to average assets | 0.3566% | 3,983 |
| Noninterest expense to average assets | 1.9141% | 5,116 |
| Loan and lease loss provision to assets | 0.0194% | 3,752 |
| Net operating income to assets | 1.5916% | 732 |
| Return on assets (ROA) | 1.5923% | 748 |
| Pretax return on assets | 1.6013% | 1,417 |
| Return on Equity (ROE) | 15.9454% | 532 |
| Retained earnings to average equity (ytd only) | 10.2468% | 535 |
| Net charge-offs to loans | 0.0116% | 3,318 |
| Credit loss provision to net charge-offs | 255.8140% | 1,112 |
| Earnings coverage of net charge-offs (x) | 213.5188% | 402 |
| Efficiency ratio | 52.6986% | 5,046 |
| Assets per employee ($millions) | 5.3399% | 2,079 |
| Cash dividends to net income (ytd only)* | 35.7380% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,195 |
| Loan loss allowance to noncurrent loans | 144.9206% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 2,677 |
| Noncurrent loans to loans | 0.9194% | 2,086 |
| Net loans and leases to total assets | 65.0614% | 3,237 |
| Net loans and leases to deposits | 77.9659% | 3,164 |
| Net loans and leases to core deposits | 85.5632% | 3,002 |
| Total domestic deposits to total assets | 83.4485% | 3,307 |
| Equity capital to assets | 10.4459% | 3,425 |
| Core capital (leverage) ratio | 9.5249% | 4,133 |
| Tier 1 risk-based capital ratio | 13.1431% | 3,910 |
| Total risk-based capital ratio | 14.3603% | 3,842 |
| Memoranda: | ||
| Average total assets | $755,617,250 | 984 |
| Average earning assets | $704,039,750 | 977 |
| Average equity | $75,455,750 | 1,072 |
| Average total loans | $494,484,750 | 1,042 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,443 |
| Cost of funding earning assets | 0.5249% | 1,961 |
| Net interest margin | 3.4072% | 3,745 |
| Noninterest income to average assets | 0.3649% | 3,944 |
| Noninterest expense to average assets | 1.8979% | 5,187 |
| Loan and lease loss provision to assets | 0.0159% | 3,639 |
| Net operating income to assets | 1.6096% | 689 |
| Return on assets (ROA) | 1.6106% | 711 |
| Pretax return on assets | 1.6191% | 1,285 |
| Return on Equity (ROE) | 16.3816% | 479 |
| Retained earnings to average equity (ytd only) | 10.9238% | 451 |
| Net charge-offs to loans | 0.0187% | 2,872 |
| Credit loss provision to net charge-offs | 130.4348% | 1,677 |
| Earnings coverage of net charge-offs (x) | 134.0435% | 538 |
| Efficiency ratio | 52.2659% | 5,158 |
| Assets per employee ($millions) | 5.4818% | 1,885 |
| Cash dividends to net income (ytd only)* | 33.3169% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,429 |
| Loan loss allowance to noncurrent loans | 235.1957% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 3,629 |
| Noncurrent loans to loans | 0.5512% | 3,085 |
| Net loans and leases to total assets | 65.5656% | 3,171 |
| Net loans and leases to deposits | 78.8353% | 3,035 |
| Net loans and leases to core deposits | 87.3255% | 2,766 |
| Total domestic deposits to total assets | 83.1678% | 3,519 |
| Equity capital to assets | 10.1163% | 3,777 |
| Core capital (leverage) ratio | 9.3487% | 4,294 |
| Tier 1 risk-based capital ratio | 12.5371% | 4,285 |
| Total risk-based capital ratio | 13.7189% | 4,214 |
| Memoranda: | ||
| Average total assets | $754,732,670 | 987 |
| Average earning assets | $701,507,670 | 984 |
| Average equity | $74,205,000 | 1,085 |
| Average total loans | $492,645,000 | 1,038 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 3,408 |
| Cost of funding earning assets | 0.5173% | 1,955 |
| Net interest margin | 3.3812% | 3,707 |
| Noninterest income to average assets | 0.3137% | 4,305 |
| Noninterest expense to average assets | 1.9226% | 5,196 |
| Loan and lease loss provision to assets | 0.0160% | 3,362 |
| Net operating income to assets | 1.5062% | 798 |
| Return on assets (ROA) | 1.5083% | 822 |
| Pretax return on assets | 1.5147% | 1,491 |
| Return on Equity (ROE) | 15.5720% | 580 |
| Retained earnings to average equity (ytd only) | 10.1919% | 773 |
| Net charge-offs to loans | -0.0008% | 3,961 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1893% | 5,109 |
| Assets per employee ($millions) | 5.5112% | 1,878 |
| Cash dividends to net income (ytd only)* | 34.5500% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,322 |
| Loan loss allowance to noncurrent loans | 137.0707% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 2,731 |
| Noncurrent loans to loans | 0.9815% | 2,085 |
| Net loans and leases to total assets | 63.8868% | 3,295 |
| Net loans and leases to deposits | 75.6694% | 3,235 |
| Net loans and leases to core deposits | 83.4474% | 2,950 |
| Total domestic deposits to total assets | 84.4289% | 3,318 |
| Equity capital to assets | 9.7341% | 4,032 |
| Core capital (leverage) ratio | 9.2490% | 4,415 |
| Tier 1 risk-based capital ratio | 12.5471% | 4,363 |
| Total risk-based capital ratio | 13.7728% | 4,282 |
| Memoranda: | ||
| Average total assets | $748,376,500 | 995 |
| Average earning assets | $694,423,000 | 991 |
| Average equity | $72,489,000 | 1,101 |
| Average total loans | $484,073,000 | 1,053 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,256 |
| Cost of funding earning assets | 0.5532% | 1,659 |
| Net interest margin | 3.4307% | 3,709 |
| Noninterest income to average assets | 0.3437% | 4,273 |
| Noninterest expense to average assets | 2.0480% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4786% | 871 |
| Return on assets (ROA) | 1.4786% | 893 |
| Pretax return on assets | 1.4900% | 1,611 |
| Return on Equity (ROE) | 14.1545% | 749 |
| Retained earnings to average equity (ytd only) | 7.4363% | 1,062 |
| Net charge-offs to loans | 0.0038% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 599.4706% | 138 |
| Efficiency ratio | 56.7733% | 4,978 |
| Assets per employee ($millions) | 5.3349% | 2,021 |
| Cash dividends to net income (ytd only)* | 47.4637% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,142 |
| Loan loss allowance to noncurrent loans | 131.2438% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 2,667 |
| Noncurrent loans to loans | 1.0565% | 1,965 |
| Net loans and leases to total assets | 63.7099% | 3,398 |
| Net loans and leases to deposits | 74.1339% | 3,499 |
| Net loans and leases to core deposits | 82.2483% | 3,194 |
| Total domestic deposits to total assets | 85.9389% | 2,609 |
| Equity capital to assets | 9.6366% | 4,132 |
| Core capital (leverage) ratio | 9.2127% | 4,462 |
| Tier 1 risk-based capital ratio | 12.7375% | 4,250 |
| Total risk-based capital ratio | 13.9876% | 4,134 |
| Memoranda: | ||
| Average total assets | $683,944,000 | 1,043 |
| Average earning assets | $636,811,800 | 1,022 |
| Average equity | $71,447,200 | 1,102 |
| Average total loans | $453,034,800 | 1,082 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,111 |
| Cost of funding earning assets | 0.5600% | 1,610 |
| Net interest margin | 3.4692% | 3,590 |
| Noninterest income to average assets | 0.3307% | 4,422 |
| Noninterest expense to average assets | 2.0758% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4788% | 915 |
| Return on assets (ROA) | 1.4788% | 960 |
| Pretax return on assets | 1.4904% | 1,740 |
| Return on Equity (ROE) | 13.8616% | 855 |
| Retained earnings to average equity (ytd only) | 6.7361% | 1,762 |
| Net charge-offs to loans | 0.0006% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3,744.7266% | 13 |
| Efficiency ratio | 57.2503% | 4,925 |
| Assets per employee ($millions) | 5.2922% | 2,055 |
| Cash dividends to net income (ytd only)* | 51.4043% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 2,174 |
| Loan loss allowance to noncurrent loans | 152.9840% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 3,040 |
| Noncurrent loans to loans | 0.9188% | 2,406 |
| Net loans and leases to total assets | 63.9264% | 3,413 |
| Net loans and leases to deposits | 75.0136% | 3,497 |
| Net loans and leases to core deposits | 84.0531% | 3,115 |
| Total domestic deposits to total assets | 85.2198% | 2,710 |
| Equity capital to assets | 10.3679% | 3,723 |
| Core capital (leverage) ratio | 9.1810% | 4,616 |
| Tier 1 risk-based capital ratio | 12.8790% | 4,232 |
| Total risk-based capital ratio | 14.1295% | 4,146 |
| Memoranda: | ||
| Average total assets | $670,877,250 | 1,056 |
| Average earning assets | $625,676,250 | 1,042 |
| Average equity | $71,572,500 | 1,105 |
| Average total loans | $447,385,000 | 1,093 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,200 |
| Cost of funding earning assets | 0.5535% | 1,673 |
| Net interest margin | 3.4583% | 3,649 |
| Noninterest income to average assets | 0.3236% | 4,472 |
| Noninterest expense to average assets | 1.9910% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5540% | 798 |
| Return on assets (ROA) | 1.5540% | 840 |
| Pretax return on assets | 1.5656% | 1,474 |
| Return on Equity (ROE) | 14.4192% | 767 |
| Retained earnings to average equity (ytd only) | 6.5763% | 1,829 |
| Net charge-offs to loans | -0.0009% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2005% | 5,224 |
| Assets per employee ($millions) | 5.4019% | 1,881 |
| Cash dividends to net income (ytd only)* | 54.3922% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 2,142 |
| Loan loss allowance to noncurrent loans | 147.1758% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 2,947 |
| Noncurrent loans to loans | 0.9739% | 2,334 |
| Net loans and leases to total assets | 67.4174% | 2,880 |
| Net loans and leases to deposits | 84.2498% | 2,434 |
| Net loans and leases to core deposits | 93.4134% | 2,219 |
| Total domestic deposits to total assets | 80.0208% | 4,534 |
| Equity capital to assets | 10.9217% | 3,148 |
| Core capital (leverage) ratio | 9.8814% | 3,711 |
| Tier 1 risk-based capital ratio | 13.5305% | 3,879 |
| Total risk-based capital ratio | 14.7819% | 3,790 |
| Memoranda: | ||
| Average total assets | $656,354,000 | 1,084 |
| Average earning assets | $613,593,000 | 1,063 |
| Average equity | $70,739,000 | 1,118 |
| Average total loans | $442,103,000 | 1,102 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,172 |
| Cost of funding earning assets | 0.5533% | 1,675 |
| Net interest margin | 3.4614% | 3,615 |
| Noninterest income to average assets | 0.3348% | 4,335 |
| Noninterest expense to average assets | 2.0297% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5287% | 809 |
| Return on assets (ROA) | 1.5287% | 853 |
| Pretax return on assets | 1.5391% | 1,475 |
| Return on Equity (ROE) | 14.2815% | 787 |
| Retained earnings to average equity (ytd only) | 6.1182% | 2,324 |
| Net charge-offs to loans | 0.0037% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 627.5000% | 82 |
| Efficiency ratio | 56.0825% | 5,184 |
| Assets per employee ($millions) | 5.4332% | 1,887 |
| Cash dividends to net income (ytd only)* | 57.1600% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 2,103 |
| Loan loss allowance to noncurrent loans | 187.0115% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 3,389 |
| Noncurrent loans to loans | 0.7878% | 2,863 |
| Net loans and leases to total assets | 66.2057% | 2,921 |
| Net loans and leases to deposits | 81.2128% | 2,646 |
| Net loans and leases to core deposits | 90.1713% | 2,358 |
| Total domestic deposits to total assets | 81.5212% | 4,352 |
| Equity capital to assets | 10.8266% | 3,134 |
| Core capital (leverage) ratio | 9.8074% | 3,761 |
| Tier 1 risk-based capital ratio | 13.6732% | 3,887 |
| Total risk-based capital ratio | 14.9250% | 3,810 |
| Memoranda: | ||
| Average total assets | $652,312,500 | 1,085 |
| Average earning assets | $609,465,000 | 1,066 |
| Average equity | $69,824,500 | 1,128 |
| Average total loans | $435,924,500 | 1,116 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 3,278 |
| Cost of funding earning assets | 0.5959% | 1,391 |
| Net interest margin | 3.4140% | 3,860 |
| Noninterest income to average assets | 0.3243% | 4,576 |
| Noninterest expense to average assets | 1.9440% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5559% | 773 |
| Return on assets (ROA) | 1.5594% | 791 |
| Pretax return on assets | 1.5737% | 1,332 |
| Return on Equity (ROE) | 15.0562% | 678 |
| Retained earnings to average equity (ytd only) | 7.0675% | 1,251 |
| Net charge-offs to loans | 0.0259% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 92.7064% | 619 |
| Efficiency ratio | 54.7489% | 5,468 |
| Assets per employee ($millions) | 5.5317% | 1,761 |
| Cash dividends to net income (ytd only)* | 53.0590% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,941 |
| Loan loss allowance to noncurrent loans | 224.0110% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 3,705 |
| Noncurrent loans to loans | 0.6759% | 3,171 |
| Net loans and leases to total assets | 65.4475% | 3,058 |
| Net loans and leases to deposits | 78.0649% | 3,050 |
| Net loans and leases to core deposits | 86.4194% | 2,765 |
| Total domestic deposits to total assets | 83.8373% | 3,550 |
| Equity capital to assets | 10.5798% | 3,274 |
| Core capital (leverage) ratio | 9.6985% | 3,913 |
| Tier 1 risk-based capital ratio | 13.9078% | 3,766 |
| Total risk-based capital ratio | 15.1602% | 3,690 |
| Memoranda: | ||
| Average total assets | $643,585,200 | 1,062 |
| Average earning assets | $601,313,800 | 1,041 |
| Average equity | $66,657,000 | 1,138 |
| Average total loans | $421,616,400 | 1,083 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,415 |
| Cost of funding earning assets | 0.6070% | 1,364 |
| Net interest margin | 3.3721% | 4,075 |
| Noninterest income to average assets | 0.3141% | 4,697 |
| Noninterest expense to average assets | 1.9140% | 5,620 |
| Loan and lease loss provision to assets | 0.0290% | 3,658 |
| Net operating income to assets | 1.5112% | 905 |
| Return on assets (ROA) | 1.5130% | 937 |
| Pretax return on assets | 1.5248% | 1,613 |
| Return on Equity (ROE) | 14.6878% | 772 |
| Retained earnings to average equity (ytd only) | 6.6823% | 1,848 |
| Net charge-offs to loans | -0.0016% | 4,682 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6956% | 5,464 |
| Assets per employee ($millions) | 5.4243% | 1,851 |
| Cash dividends to net income (ytd only)* | 54.5043% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,884 |
| Loan loss allowance to noncurrent loans | 269.5618% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 4,150 |
| Noncurrent loans to loans | 0.5827% | 3,584 |
| Net loans and leases to total assets | 65.6887% | 3,061 |
| Net loans and leases to deposits | 79.0907% | 2,983 |
| Net loans and leases to core deposits | 88.6395% | 2,592 |
| Total domestic deposits to total assets | 83.0549% | 3,803 |
| Equity capital to assets | 10.5828% | 3,503 |
| Core capital (leverage) ratio | 9.4605% | 4,352 |
| Tier 1 risk-based capital ratio | 13.6095% | 4,079 |
| Total risk-based capital ratio | 14.8626% | 4,006 |
| Memoranda: | ||
| Average total assets | $642,679,750 | 1,076 |
| Average earning assets | $600,712,000 | 1,051 |
| Average equity | $66,203,000 | 1,150 |
| Average total loans | $419,497,250 | 1,092 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 3,600 |
| Cost of funding earning assets | 0.6123% | 1,327 |
| Net interest margin | 3.3122% | 4,257 |
| Noninterest income to average assets | 0.2964% | 4,839 |
| Noninterest expense to average assets | 1.8553% | 5,775 |
| Loan and lease loss provision to assets | 0.0374% | 3,368 |
| Net operating income to assets | 1.4860% | 921 |
| Return on assets (ROA) | 1.4860% | 968 |
| Pretax return on assets | 1.4990% | 1,650 |
| Return on Equity (ROE) | 14.5587% | 807 |
| Retained earnings to average equity (ytd only) | 6.3145% | 2,057 |
| Net charge-offs to loans | -0.0067% | 4,814 |
| Credit loss provision to net charge-offs | -857.1429% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1579% | 5,573 |
| Assets per employee ($millions) | 5.3916% | 1,842 |
| Cash dividends to net income (ytd only)* | 56.6275% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 2,006 |
| Loan loss allowance to noncurrent loans | 229.2940% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 4,082 |
| Noncurrent loans to loans | 0.6853% | 3,432 |
| Net loans and leases to total assets | 64.8625% | 3,142 |
| Net loans and leases to deposits | 79.0416% | 2,902 |
| Net loans and leases to core deposits | 87.6602% | 2,585 |
| Total domestic deposits to total assets | 82.0612% | 4,280 |
| Equity capital to assets | 10.0752% | 3,951 |
| Core capital (leverage) ratio | 9.5420% | 4,224 |
| Tier 1 risk-based capital ratio | 13.1861% | 4,401 |
| Total risk-based capital ratio | 14.4390% | 4,330 |
| Memoranda: | ||
| Average total assets | $641,743,000 | 1,077 |
| Average earning assets | $599,716,330 | 1,060 |
| Average equity | $65,500,330 | 1,172 |
| Average total loans | $415,736,330 | 1,105 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,439 |
| Cost of funding earning assets | 0.6257% | 1,265 |
| Net interest margin | 3.3186% | 4,140 |
| Noninterest income to average assets | 0.2916% | 4,840 |
| Noninterest expense to average assets | 1.7844% | 5,924 |
| Loan and lease loss provision to assets | 0.0377% | 3,149 |
| Net operating income to assets | 1.5455% | 782 |
| Return on assets (ROA) | 1.5455% | 825 |
| Pretax return on assets | 1.5631% | 1,362 |
| Return on Equity (ROE) | 15.0430% | 703 |
| Retained earnings to average equity (ytd only) | 6.3255% | 2,326 |
| Net charge-offs to loans | -0.0137% | 4,871 |
| Credit loss provision to net charge-offs | -428.5714% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1723% | 5,799 |
| Assets per employee ($millions) | 5.3646% | 1,932 |
| Cash dividends to net income (ytd only)* | 57.9504% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,908 |
| Loan loss allowance to noncurrent loans | 163.2131% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 3,511 |
| Noncurrent loans to loans | 1.0072% | 2,748 |
| Net loans and leases to total assets | 63.2780% | 3,193 |
| Net loans and leases to deposits | 74.3025% | 3,266 |
| Net loans and leases to core deposits | 82.2015% | 2,946 |
| Total domestic deposits to total assets | 85.1627% | 3,324 |
| Equity capital to assets | 10.5040% | 3,529 |
| Core capital (leverage) ratio | 9.3355% | 4,515 |
| Tier 1 risk-based capital ratio | 13.9726% | 4,045 |
| Total risk-based capital ratio | 15.2268% | 3,957 |
| Memoranda: | ||
| Average total assets | $636,421,500 | 1,092 |
| Average earning assets | $593,257,000 | 1,071 |
| Average equity | $65,386,000 | 1,172 |
| Average total loans | $408,650,000 | 1,122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 3,263 |
| Cost of funding earning assets | 0.7069% | 1,066 |
| Net interest margin | 3.4097% | 4,160 |
| Noninterest income to average assets | 0.3047% | 4,934 |
| Noninterest expense to average assets | 1.9657% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5042% | 869 |
| Return on assets (ROA) | 1.5042% | 905 |
| Pretax return on assets | 1.5181% | 1,479 |
| Return on Equity (ROE) | 14.8854% | 798 |
| Retained earnings to average equity (ytd only) | 7.2193% | 1,308 |
| Net charge-offs to loans | 0.0416% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 55.9018% | 844 |
| Efficiency ratio | 56.2240% | 5,646 |
| Assets per employee ($millions) | 5.3766% | 1,884 |
| Cash dividends to net income (ytd only)* | 51.5007% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 2,045 |
| Loan loss allowance to noncurrent loans | 249.9434% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 4,443 |
| Noncurrent loans to loans | 0.6460% | 3,749 |
| Net loans and leases to total assets | 63.0520% | 3,350 |
| Net loans and leases to deposits | 73.6868% | 3,474 |
| Net loans and leases to core deposits | 81.7779% | 3,131 |
| Total domestic deposits to total assets | 85.5676% | 3,047 |
| Equity capital to assets | 10.0465% | 4,049 |
| Core capital (leverage) ratio | 9.0357% | 4,938 |
| Tier 1 risk-based capital ratio | 13.5182% | 4,400 |
| Total risk-based capital ratio | 14.7725% | 4,339 |
| Memoranda: | ||
| Average total assets | $600,235,000 | 1,106 |
| Average earning assets | $559,639,600 | 1,086 |
| Average equity | $60,656,600 | 1,206 |
| Average total loans | $392,275,400 | 1,124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 3,253 |
| Cost of funding earning assets | 0.7219% | 1,036 |
| Net interest margin | 3.4083% | 4,204 |
| Noninterest income to average assets | 0.3230% | 4,851 |
| Noninterest expense to average assets | 1.9577% | 5,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5299% | 880 |
| Return on assets (ROA) | 1.5299% | 916 |
| Pretax return on assets | 1.5439% | 1,498 |
| Return on Equity (ROE) | 15.1157% | 802 |
| Retained earnings to average equity (ytd only) | 7.4173% | 1,610 |
| Net charge-offs to loans | 0.0509% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 46.1888% | 1,031 |
| Efficiency ratio | 55.8243% | 5,676 |
| Assets per employee ($millions) | 5.4527% | 1,769 |
| Cash dividends to net income (ytd only)* | 50.9301% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 2,235 |
| Loan loss allowance to noncurrent loans | 215.8751% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 4,365 |
| Noncurrent loans to loans | 0.7499% | 3,725 |
| Net loans and leases to total assets | 63.7554% | 3,216 |
| Net loans and leases to deposits | 75.4633% | 3,247 |
| Net loans and leases to core deposits | 83.6855% | 2,920 |
| Total domestic deposits to total assets | 84.4852% | 3,555 |
| Equity capital to assets | 9.9013% | 4,300 |
| Core capital (leverage) ratio | 9.0125% | 5,055 |
| Tier 1 risk-based capital ratio | 12.9389% | 4,904 |
| Total risk-based capital ratio | 14.1927% | 4,817 |
| Memoranda: | ||
| Average total assets | $590,339,750 | 1,128 |
| Average earning assets | $550,569,750 | 1,106 |
| Average equity | $59,751,000 | 1,233 |
| Average total loans | $387,834,750 | 1,141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 3,170 |
| Cost of funding earning assets | 0.7334% | 1,002 |
| Net interest margin | 3.4115% | 4,129 |
| Noninterest income to average assets | 0.3193% | 4,861 |
| Noninterest expense to average assets | 1.9438% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5430% | 806 |
| Return on assets (ROA) | 1.5430% | 842 |
| Pretax return on assets | 1.5572% | 1,371 |
| Return on Equity (ROE) | 15.1244% | 774 |
| Retained earnings to average equity (ytd only) | 5.9396% | 2,357 |
| Net charge-offs to loans | 0.0326% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 72.3710% | 717 |
| Efficiency ratio | 55.4818% | 5,795 |
| Assets per employee ($millions) | 5.0120% | 2,202 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 2,138 |
| Loan loss allowance to noncurrent loans | 198.5233% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 4,273 |
| Noncurrent loans to loans | 0.8555% | 3,562 |
| Net loans and leases to total assets | 63.1138% | 3,220 |
| Net loans and leases to deposits | 73.3404% | 3,412 |
| Net loans and leases to core deposits | 81.4941% | 3,031 |
| Total domestic deposits to total assets | 86.0560% | 3,013 |
| Equity capital to assets | 9.9219% | 4,216 |
| Core capital (leverage) ratio | 9.5207% | 4,300 |
| Tier 1 risk-based capital ratio | 13.1246% | 4,834 |
| Total risk-based capital ratio | 14.3792% | 4,763 |
| Memoranda: | ||
| Average total assets | $576,282,000 | 1,148 |
| Average earning assets | $537,473,670 | 1,127 |
| Average equity | $58,792,330 | 1,245 |
| Average total loans | $380,480,670 | 1,157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,690 |
| Cost of funding earning assets | 0.7666% | 898 |
| Net interest margin | 3.4838% | 3,768 |
| Noninterest income to average assets | 0.3438% | 4,626 |
| Noninterest expense to average assets | 1.9778% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6031% | 667 |
| Return on assets (ROA) | 1.6031% | 695 |
| Pretax return on assets | 1.6182% | 1,138 |
| Return on Equity (ROE) | 15.4777% | 709 |
| Retained earnings to average equity (ytd only) | 6.1036% | 2,482 |
| Net charge-offs to loans | 0.0204% | 3,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 118.4211% | 404 |
| Efficiency ratio | 54.9400% | 5,931 |
| Assets per employee ($millions) | 5.5729% | 1,639 |
| Cash dividends to net income (ytd only)* | 60.5653% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 2,036 |
| Loan loss allowance to noncurrent loans | 166.7488% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 3,858 |
| Noncurrent loans to loans | 1.0803% | 3,257 |
| Net loans and leases to total assets | 65.5205% | 2,631 |
| Net loans and leases to deposits | 77.7510% | 2,594 |
| Net loans and leases to core deposits | 87.8556% | 2,110 |
| Total domestic deposits to total assets | 84.2696% | 4,175 |
| Equity capital to assets | 10.4621% | 3,281 |
| Core capital (leverage) ratio | 10.2010% | 3,291 |
| Tier 1 risk-based capital ratio | 14.4267% | 4,044 |
| Total risk-based capital ratio | 15.6827% | 4,002 |
| Memoranda: | ||
| Average total assets | $556,187,000 | 1,200 |
| Average earning assets | $519,205,500 | 1,181 |
| Average equity | $57,605,500 | 1,261 |
| Average total loans | $372,820,500 | 1,185 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 2,144 |
| Cost of funding earning assets | 0.8751% | 842 |
| Net interest margin | 3.6408% | 3,280 |
| Noninterest income to average assets | 0.2872% | 5,305 |
| Noninterest expense to average assets | 1.9074% | 6,176 |
| Loan and lease loss provision to assets | 0.0690% | 3,752 |
| Net operating income to assets | 1.6794% | 602 |
| Return on assets (ROA) | 1.6688% | 631 |
| Pretax return on assets | 1.7021% | 948 |
| Return on Equity (ROE) | 15.7306% | 653 |
| Retained earnings to average equity (ytd only) | 6.6262% | 1,606 |
| Net charge-offs to loans | 0.0587% | 4,401 |
| Credit loss provision to net charge-offs | 169.6833% | 1,344 |
| Earnings coverage of net charge-offs (x) | 43.8281% | 879 |
| Efficiency ratio | 51.6456% | 6,322 |
| Assets per employee ($millions) | 5.3351% | 1,812 |
| Cash dividends to net income (ytd only)* | 57.8768% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,963 |
| Loan loss allowance to noncurrent loans | 183.0051% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 4,084 |
| Noncurrent loans to loans | 1.0017% | 3,512 |
| Net loans and leases to total assets | 66.1136% | 2,677 |
| Net loans and leases to deposits | 78.2738% | 2,689 |
| Net loans and leases to core deposits | 88.7612% | 2,156 |
| Total domestic deposits to total assets | 84.4645% | 3,982 |
| Equity capital to assets | 10.2498% | 3,444 |
| Core capital (leverage) ratio | 10.0723% | 3,465 |
| Tier 1 risk-based capital ratio | 14.3187% | 4,074 |
| Total risk-based capital ratio | 15.5749% | 4,010 |
| Memoranda: | ||
| Average total assets | $543,567,400 | 1,221 |
| Average earning assets | $507,939,800 | 1,197 |
| Average equity | $57,664,800 | 1,248 |
| Average total loans | $376,574,000 | 1,126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 2,064 |
| Cost of funding earning assets | 0.8927% | 840 |
| Net interest margin | 3.6510% | 3,230 |
| Noninterest income to average assets | 0.2858% | 5,403 |
| Noninterest expense to average assets | 1.8858% | 6,206 |
| Loan and lease loss provision to assets | 0.0922% | 3,232 |
| Net operating income to assets | 1.6878% | 633 |
| Return on assets (ROA) | 1.6878% | 668 |
| Pretax return on assets | 1.7190% | 1,060 |
| Return on Equity (ROE) | 15.7743% | 672 |
| Retained earnings to average equity (ytd only) | 8.0159% | 1,402 |
| Net charge-offs to loans | 0.0585% | 4,068 |
| Credit loss provision to net charge-offs | 225.9036% | 1,080 |
| Earnings coverage of net charge-offs (x) | 44.3610% | 938 |
| Efficiency ratio | 50.9547% | 6,338 |
| Assets per employee ($millions) | 5.6934% | 1,457 |
| Cash dividends to net income (ytd only)* | 49.1840% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8170% | 2,251 |
| Loan loss allowance to noncurrent loans | 303.9556% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 5,019 |
| Noncurrent loans to loans | 0.5978% | 4,706 |
| Net loans and leases to total assets | 67.6129% | 2,350 |
| Net loans and leases to deposits | 81.0640% | 2,257 |
| Net loans and leases to core deposits | 92.4009% | 1,733 |
| Total domestic deposits to total assets | 83.4069% | 4,410 |
| Equity capital to assets | 10.4606% | 3,329 |
| Core capital (leverage) ratio | 10.1892% | 3,419 |
| Tier 1 risk-based capital ratio | 14.4467% | 4,108 |
| Total risk-based capital ratio | 15.7035% | 4,065 |
| Memoranda: | ||
| Average total assets | $542,080,500 | 1,240 |
| Average earning assets | $506,480,000 | 1,214 |
| Average equity | $58,000,000 | 1,249 |
| Average total loans | $378,195,500 | 1,130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 2,001 |
| Cost of funding earning assets | 0.9110% | 849 |
| Net interest margin | 3.6478% | 3,184 |
| Noninterest income to average assets | 0.2889% | 5,385 |
| Noninterest expense to average assets | 1.8942% | 6,230 |
| Loan and lease loss provision to assets | 0.1387% | 2,595 |
| Net operating income to assets | 1.6382% | 695 |
| Return on assets (ROA) | 1.6382% | 760 |
| Pretax return on assets | 1.6649% | 1,197 |
| Return on Equity (ROE) | 15.1968% | 775 |
| Retained earnings to average equity (ytd only) | 7.4749% | 1,682 |
| Net charge-offs to loans | 0.0338% | 4,212 |
| Credit loss provision to net charge-offs | 585.9375% | 494 |
| Earnings coverage of net charge-offs (x) | 76.1719% | 594 |
| Efficiency ratio | 51.1756% | 6,338 |
| Assets per employee ($millions) | 5.2580% | 1,841 |
| Cash dividends to net income (ytd only)* | 50.8130% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 2,336 |
| Loan loss allowance to noncurrent loans | 241.8467% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 4,771 |
| Noncurrent loans to loans | 0.7561% | 4,411 |
| Net loans and leases to total assets | 69.4860% | 1,978 |
| Net loans and leases to deposits | 82.5108% | 1,992 |
| Net loans and leases to core deposits | 94.0329% | 1,518 |
| Total domestic deposits to total assets | 84.2144% | 4,233 |
| Equity capital to assets | 10.7467% | 3,003 |
| Core capital (leverage) ratio | 10.0526% | 3,445 |
| Tier 1 risk-based capital ratio | 13.7437% | 4,611 |
| Total risk-based capital ratio | 15.0003% | 4,576 |
| Memoranda: | ||
| Average total assets | $540,586,000 | 1,241 |
| Average earning assets | $505,181,330 | 1,218 |
| Average equity | $58,275,330 | 1,242 |
| Average total loans | $378,798,330 | 1,127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 1,925 |
| Cost of funding earning assets | 0.9386% | 823 |
| Net interest margin | 3.6302% | 3,138 |
| Noninterest income to average assets | 0.2911% | 5,378 |
| Noninterest expense to average assets | 1.8787% | 6,310 |
| Loan and lease loss provision to assets | 0.1658% | 2,206 |
| Net operating income to assets | 1.6119% | 693 |
| Return on assets (ROA) | 1.6119% | 752 |
| Pretax return on assets | 1.6303% | 1,236 |
| Return on Equity (ROE) | 14.9296% | 784 |
| Retained earnings to average equity (ytd only) | 6.7378% | 2,293 |
| Net charge-offs to loans | 0.0338% | 3,555 |
| Credit loss provision to net charge-offs | 703.1250% | 400 |
| Earnings coverage of net charge-offs (x) | 76.1563% | 486 |
| Efficiency ratio | 51.0630% | 6,439 |
| Assets per employee ($millions) | 5.5609% | 1,612 |
| Cash dividends to net income (ytd only)* | 54.8697% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,673 |
| Loan loss allowance to noncurrent loans | 212.7534% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 4,771 |
| Noncurrent loans to loans | 0.8388% | 4,443 |
| Net loans and leases to total assets | 69.6110% | 1,733 |
| Net loans and leases to deposits | 83.2598% | 1,671 |
| Net loans and leases to core deposits | 95.0035% | 1,266 |
| Total domestic deposits to total assets | 83.6070% | 4,628 |
| Equity capital to assets | 10.9202% | 3,053 |
| Core capital (leverage) ratio | 9.7664% | 3,706 |
| Tier 1 risk-based capital ratio | 13.3656% | 4,964 |
| Total risk-based capital ratio | 14.6236% | 4,908 |
| Memoranda: | ||
| Average total assets | $542,723,500 | 1,246 |
| Average earning assets | $505,863,000 | 1,230 |
| Average equity | $58,595,000 | 1,247 |
| Average total loans | $378,396,500 | 1,129 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 2,164 |
| Cost of funding earning assets | 1.1075% | 880 |
| Net interest margin | 3.6999% | 3,644 |
| Noninterest income to average assets | 0.3099% | 5,234 |
| Noninterest expense to average assets | 1.8807% | 6,515 |
| Loan and lease loss provision to assets | 0.1557% | 3,665 |
| Net operating income to assets | 1.7073% | 608 |
| Return on assets (ROA) | 1.7073% | 685 |
| Pretax return on assets | 1.7261% | 1,076 |
| Return on Equity (ROE) | 15.9478% | 674 |
| Retained earnings to average equity (ytd only) | 4.2770% | 3,214 |
| Net charge-offs to loans | 0.2720% | 3,302 |
| Credit loss provision to net charge-offs | 81.1209% | 3,786 |
| Earnings coverage of net charge-offs (x) | 9.8043% | 2,218 |
| Efficiency ratio | 49.9298% | 6,592 |
| Assets per employee ($millions) | 5.6292% | 1,580 |
| Cash dividends to net income (ytd only)* | 73.1815% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,686 |
| Loan loss allowance to noncurrent loans | 203.6241% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 4,753 |
| Noncurrent loans to loans | 0.8695% | 4,443 |
| Net loans and leases to total assets | 67.3675% | 2,301 |
| Net loans and leases to deposits | 80.9182% | 2,154 |
| Net loans and leases to core deposits | 92.0131% | 1,634 |
| Total domestic deposits to total assets | 83.2538% | 4,619 |
| Equity capital to assets | 10.6742% | 3,318 |
| Core capital (leverage) ratio | 9.6048% | 3,955 |
| Tier 1 risk-based capital ratio | 13.1358% | 5,012 |
| Total risk-based capital ratio | 14.3914% | 4,953 |
| Memoranda: | ||
| Average total assets | $529,856,600 | 1,261 |
| Average earning assets | $494,442,000 | 1,230 |
| Average equity | $56,722,600 | 1,252 |
| Average total loans | $373,854,800 | 1,120 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 2,203 |
| Cost of funding earning assets | 1.1383% | 910 |
| Net interest margin | 3.7105% | 3,751 |
| Noninterest income to average assets | 0.3050% | 5,346 |
| Noninterest expense to average assets | 1.8706% | 6,576 |
| Loan and lease loss provision to assets | 0.1712% | 3,415 |
| Net operating income to assets | 1.7118% | 668 |
| Return on assets (ROA) | 1.7118% | 739 |
| Pretax return on assets | 1.7309% | 1,203 |
| Return on Equity (ROE) | 15.9787% | 743 |
| Retained earnings to average equity (ytd only) | 3.8603% | 4,178 |
| Net charge-offs to loans | 0.2522% | 3,209 |
| Credit loss provision to net charge-offs | 95.4738% | 3,126 |
| Earnings coverage of net charge-offs (x) | 10.6096% | 2,172 |
| Efficiency ratio | 49.5295% | 6,622 |
| Assets per employee ($millions) | 5.4306% | 1,701 |
| Cash dividends to net income (ytd only)* | 75.8406% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,947 |
| Loan loss allowance to noncurrent loans | 128.0890% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 4,157 |
| Noncurrent loans to loans | 1.3707% | 3,733 |
| Net loans and leases to total assets | 71.3939% | 1,663 |
| Net loans and leases to deposits | 86.4952% | 1,546 |
| Net loans and leases to core deposits | 99.5901% | 1,154 |
| Total domestic deposits to total assets | 82.5409% | 4,816 |
| Equity capital to assets | 10.8614% | 3,431 |
| Core capital (leverage) ratio | 9.6739% | 4,006 |
| Tier 1 risk-based capital ratio | 12.6515% | 5,523 |
| Total risk-based capital ratio | 13.9065% | 5,479 |
| Memoranda: | ||
| Average total assets | $525,812,000 | 1,283 |
| Average earning assets | $491,381,250 | 1,255 |
| Average equity | $56,332,000 | 1,269 |
| Average total loans | $373,698,500 | 1,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 2,066 |
| Cost of funding earning assets | 1.1755% | 914 |
| Net interest margin | 3.7357% | 3,658 |
| Noninterest income to average assets | 0.2983% | 5,419 |
| Noninterest expense to average assets | 1.8817% | 6,635 |
| Loan and lease loss provision to assets | 0.1719% | 3,386 |
| Net operating income to assets | 1.7132% | 654 |
| Return on assets (ROA) | 1.7132% | 733 |
| Pretax return on assets | 1.7343% | 1,173 |
| Return on Equity (ROE) | 16.0670% | 763 |
| Retained earnings to average equity (ytd only) | 2.0272% | 5,186 |
| Net charge-offs to loans | 0.1895% | 3,444 |
| Credit loss provision to net charge-offs | 128.5714% | 2,140 |
| Earnings coverage of net charge-offs (x) | 14.2600% | 1,725 |
| Efficiency ratio | 49.6269% | 6,668 |
| Assets per employee ($millions) | 5.1674% | 1,957 |
| Cash dividends to net income (ytd only)* | 87.3830% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 2,764 |
| Loan loss allowance to noncurrent loans | 124.3175% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 4,101 |
| Noncurrent loans to loans | 1.4688% | 3,706 |
| Net loans and leases to total assets | 71.3106% | 1,679 |
| Net loans and leases to deposits | 85.6517% | 1,644 |
| Net loans and leases to core deposits | 98.0094% | 1,272 |
| Total domestic deposits to total assets | 83.2565% | 4,649 |
| Equity capital to assets | 10.8731% | 3,261 |
| Core capital (leverage) ratio | 9.5827% | 4,029 |
| Tier 1 risk-based capital ratio | 12.7425% | 5,384 |
| Total risk-based capital ratio | 13.9991% | 5,350 |
| Memoranda: | ||
| Average total assets | $523,683,330 | 1,293 |
| Average earning assets | $489,170,000 | 1,259 |
| Average equity | $55,841,330 | 1,275 |
| Average total loans | $369,349,000 | 1,143 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8502% | 2,443 |
| Cost of funding earning assets | 1.2081% | 948 |
| Net interest margin | 3.6422% | 4,080 |
| Noninterest income to average assets | 0.2974% | 5,495 |
| Noninterest expense to average assets | 1.8590% | 6,720 |
| Loan and lease loss provision to assets | 0.1716% | 3,253 |
| Net operating income to assets | 1.6371% | 814 |
| Return on assets (ROA) | 1.6371% | 909 |
| Pretax return on assets | 1.6715% | 1,375 |
| Return on Equity (ROE) | 15.5050% | 885 |
| Retained earnings to average equity (ytd only) | -4.1380% | 6,511 |
| Net charge-offs to loans | -0.0022% | 5,727 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1545% | 6,665 |
| Assets per employee ($millions) | 5.4804% | 1,713 |
| Cash dividends to net income (ytd only)* | 126.6884% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 2,672 |
| Loan loss allowance to noncurrent loans | 96.7476% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 3,754 |
| Noncurrent loans to loans | 1.9643% | 3,205 |
| Net loans and leases to total assets | 69.1714% | 1,916 |
| Net loans and leases to deposits | 83.8872% | 1,676 |
| Net loans and leases to core deposits | 95.1926% | 1,357 |
| Total domestic deposits to total assets | 82.4577% | 5,141 |
| Equity capital to assets | 10.4423% | 3,564 |
| Core capital (leverage) ratio | 9.3218% | 4,326 |
| Tier 1 risk-based capital ratio | 12.6796% | 5,466 |
| Total risk-based capital ratio | 13.9369% | 5,423 |
| Memoranda: | ||
| Average total assets | $524,573,500 | 1,290 |
| Average earning assets | $490,369,500 | 1,258 |
| Average equity | $55,388,500 | 1,281 |
| Average total loans | $364,476,500 | 1,153 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 2,321 |
| Cost of funding earning assets | 1.4473% | 863 |
| Net interest margin | 3.6844% | 4,369 |
| Noninterest income to average assets | 0.3123% | 5,309 |
| Noninterest expense to average assets | 1.9502% | 6,761 |
| Loan and lease loss provision to assets | 0.1779% | 4,412 |
| Net operating income to assets | 1.5941% | 670 |
| Return on assets (ROA) | 1.5941% | 731 |
| Pretax return on assets | 1.6128% | 1,173 |
| Return on Equity (ROE) | 15.1532% | 718 |
| Retained earnings to average equity (ytd only) | 8.1407% | 1,035 |
| Net charge-offs to loans | 0.0326% | 5,993 |
| Credit loss provision to net charge-offs | 764.9573% | 287 |
| Earnings coverage of net charge-offs (x) | 76.9915% | 386 |
| Efficiency ratio | 52.0778% | 6,693 |
| Assets per employee ($millions) | 5.6239% | 1,510 |
| Cash dividends to net income (ytd only)* | 46.2776% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 2,550 |
| Loan loss allowance to noncurrent loans | 102.7100% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 4,056 |
| Noncurrent loans to loans | 1.8554% | 3,404 |
| Net loans and leases to total assets | 67.1392% | 2,554 |
| Net loans and leases to deposits | 80.8239% | 2,383 |
| Net loans and leases to core deposits | 95.9524% | 1,495 |
| Total domestic deposits to total assets | 83.0685% | 4,723 |
| Equity capital to assets | 10.6760% | 3,331 |
| Core capital (leverage) ratio | 9.5342% | 3,969 |
| Tier 1 risk-based capital ratio | 13.4288% | 4,750 |
| Total risk-based capital ratio | 14.6866% | 4,711 |
| Memoranda: | ||
| Average total assets | $503,033,800 | 1,331 |
| Average earning assets | $468,113,800 | 1,313 |
| Average equity | $52,919,400 | 1,284 |
| Average total loans | $358,606,800 | 1,181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 2,159 |
| Cost of funding earning assets | 1.5007% | 858 |
| Net interest margin | 3.7123% | 4,280 |
| Noninterest income to average assets | 0.3006% | 5,462 |
| Noninterest expense to average assets | 1.9551% | 6,773 |
| Loan and lease loss provision to assets | 0.1994% | 4,029 |
| Net operating income to assets | 1.5707% | 815 |
| Return on assets (ROA) | 1.5707% | 891 |
| Pretax return on assets | 1.5958% | 1,398 |
| Return on Equity (ROE) | 14.9885% | 842 |
| Retained earnings to average equity (ytd only) | 9.3400% | 1,029 |
| Net charge-offs to loans | 0.0089% | 6,037 |
| Credit loss provision to net charge-offs | 3,104.1667% | 97 |
| Earnings coverage of net charge-offs (x) | 279.4097% | 136 |
| Efficiency ratio | 52.0737% | 6,668 |
| Assets per employee ($millions) | 5.2822% | 1,839 |
| Cash dividends to net income (ytd only)* | 37.6854% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 2,743 |
| Loan loss allowance to noncurrent loans | 131.2318% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 4,681 |
| Noncurrent loans to loans | 1.4188% | 4,164 |
| Net loans and leases to total assets | 70.3160% | 2,015 |
| Net loans and leases to deposits | 84.7248% | 1,886 |
| Net loans and leases to core deposits | 99.7870% | 1,262 |
| Total domestic deposits to total assets | 82.9934% | 4,687 |
| Equity capital to assets | 10.8805% | 3,261 |
| Core capital (leverage) ratio | 9.5064% | 4,137 |
| Tier 1 risk-based capital ratio | 13.1353% | 4,995 |
| Total risk-based capital ratio | 14.3925% | 4,969 |
| Memoranda: | ||
| Average total assets | $498,036,000 | 1,344 |
| Average earning assets | $462,809,250 | 1,329 |
| Average equity | $52,189,750 | 1,301 |
| Average total loans | $358,764,250 | 1,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 1,805 |
| Cost of funding earning assets | 1.5505% | 838 |
| Net interest margin | 3.7742% | 3,913 |
| Noninterest income to average assets | 0.3398% | 5,164 |
| Noninterest expense to average assets | 1.9914% | 6,816 |
| Loan and lease loss provision to assets | 0.2223% | 3,697 |
| Net operating income to assets | 1.6175% | 707 |
| Return on assets (ROA) | 1.6175% | 751 |
| Pretax return on assets | 1.6368% | 1,189 |
| Return on Equity (ROE) | 16.6269% | 594 |
| Retained earnings to average equity (ytd only) | 10.0015% | 840 |
| Net charge-offs to loans | 0.0039% | 5,830 |
| Credit loss provision to net charge-offs | 7,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 627.3333% | 45 |
| Efficiency ratio | 51.6419% | 6,817 |
| Assets per employee ($millions) | 4.8393% | 2,360 |
| Cash dividends to net income (ytd only)* | 39.8473% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 2,774 |
| Loan loss allowance to noncurrent loans | 144.3689% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 4,475 |
| Noncurrent loans to loans | 1.2930% | 4,499 |
| Net loans and leases to total assets | 76.9240% | 929 |
| Net loans and leases to deposits | 91.6441% | 1,098 |
| Net loans and leases to core deposits | 113.0616% | 615 |
| Total domestic deposits to total assets | 83.9377% | 4,376 |
| Equity capital to assets | 10.1138% | 3,997 |
| Core capital (leverage) ratio | 9.9349% | 3,344 |
| Tier 1 risk-based capital ratio | 12.5891% | 5,261 |
| Total risk-based capital ratio | 13.8240% | 5,242 |
| Memoranda: | ||
| Average total assets | $404,944,670 | 1,623 |
| Average earning assets | $376,660,000 | 1,597 |
| Average equity | $39,394,000 | 1,701 |
| Average total loans | $311,006,330 | 1,387 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 1,795 |
| Cost of funding earning assets | 1.5730% | 906 |
| Net interest margin | 3.7524% | 3,831 |
| Noninterest income to average assets | 0.3405% | 5,186 |
| Noninterest expense to average assets | 1.9378% | 6,923 |
| Loan and lease loss provision to assets | 0.2227% | 3,432 |
| Net operating income to assets | 1.6142% | 669 |
| Return on assets (ROA) | 1.6142% | 708 |
| Pretax return on assets | 1.6528% | 1,070 |
| Return on Equity (ROE) | 16.9303% | 580 |
| Retained earnings to average equity (ytd only) | 8.9893% | 1,381 |
| Net charge-offs to loans | -0.0039% | 6,218 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7397% | 6,935 |
| Assets per employee ($millions) | 4.9283% | 2,259 |
| Cash dividends to net income (ytd only)* | 46.9037% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,900 |
| Loan loss allowance to noncurrent loans | 195.4980% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 5,056 |
| Noncurrent loans to loans | 0.9395% | 5,156 |
| Net loans and leases to total assets | 75.8040% | 1,054 |
| Net loans and leases to deposits | 89.5618% | 1,285 |
| Net loans and leases to core deposits | 110.3848% | 700 |
| Total domestic deposits to total assets | 84.6388% | 4,211 |
| Equity capital to assets | 9.6956% | 4,185 |
| Core capital (leverage) ratio | 9.5666% | 3,705 |
| Tier 1 risk-based capital ratio | 12.4627% | 5,299 |
| Total risk-based capital ratio | 13.7110% | 5,278 |
| Memoranda: | ||
| Average total assets | $404,165,000 | 1,634 |
| Average earning assets | $374,055,000 | 1,620 |
| Average equity | $38,534,500 | 1,729 |
| Average total loans | $307,186,000 | 1,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4701% | 2,404 |
| Cost of funding earning assets | 1.8873% | 887 |
| Net interest margin | 3.5828% | 4,895 |
| Noninterest income to average assets | 0.3699% | 5,139 |
| Noninterest expense to average assets | 1.9149% | 7,137 |
| Loan and lease loss provision to assets | 0.3656% | 3,922 |
| Net operating income to assets | 1.4116% | 922 |
| Return on assets (ROA) | 1.4116% | 994 |
| Pretax return on assets | 1.4257% | 1,575 |
| Return on Equity (ROE) | 14.2743% | 837 |
| Retained earnings to average equity (ytd only) | 1.6509% | 4,691 |
| Net charge-offs to loans | 0.1178% | 5,705 |
| Credit loss provision to net charge-offs | 396.2536% | 622 |
| Earnings coverage of net charge-offs (x) | 19.4150% | 1,063 |
| Efficiency ratio | 51.5891% | 7,015 |
| Assets per employee ($millions) | 5.2495% | 1,806 |
| Cash dividends to net income (ytd only)* | 88.4347% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 2,799 |
| Loan loss allowance to noncurrent loans | 235.5156% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 5,464 |
| Noncurrent loans to loans | 0.7731% | 5,499 |
| Net loans and leases to total assets | 73.4264% | 1,782 |
| Net loans and leases to deposits | 86.3565% | 2,032 |
| Net loans and leases to core deposits | 106.4193% | 1,162 |
| Total domestic deposits to total assets | 85.0271% | 3,837 |
| Equity capital to assets | 9.3731% | 4,581 |
| Core capital (leverage) ratio | 9.8990% | 3,209 |
| Tier 1 risk-based capital ratio | 12.5517% | 4,975 |
| Total risk-based capital ratio | 13.8086% | 4,958 |
| Memoranda: | ||
| Average total assets | $376,097,000 | 1,752 |
| Average earning assets | $350,233,600 | 1,711 |
| Average equity | $37,192,600 | 1,778 |
| Average total loans | $294,684,200 | 1,520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5198% | 2,356 |
| Cost of funding earning assets | 1.9319% | 930 |
| Net interest margin | 3.5879% | 4,932 |
| Noninterest income to average assets | 0.3772% | 5,138 |
| Noninterest expense to average assets | 1.8861% | 7,223 |
| Loan and lease loss provision to assets | 0.4064% | 3,466 |
| Net operating income to assets | 1.4320% | 1,055 |
| Return on assets (ROA) | 1.4320% | 1,120 |
| Pretax return on assets | 1.4440% | 1,765 |
| Return on Equity (ROE) | 14.2770% | 974 |
| Retained earnings to average equity (ytd only) | 8.6584% | 1,176 |
| Net charge-offs to loans | 0.2250% | 4,586 |
| Credit loss provision to net charge-offs | 227.7328% | 1,508 |
| Earnings coverage of net charge-offs (x) | 10.3684% | 1,894 |
| Efficiency ratio | 50.4012% | 7,121 |
| Assets per employee ($millions) | 5.1424% | 2,005 |
| Cash dividends to net income (ytd only)* | 39.3542% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 3,202 |
| Loan loss allowance to noncurrent loans | 159.9160% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 5,313 |
| Noncurrent loans to loans | 1.0531% | 5,138 |
| Net loans and leases to total assets | 75.9526% | 1,415 |
| Net loans and leases to deposits | 93.1621% | 1,311 |
| Net loans and leases to core deposits | 115.3230% | 775 |
| Total domestic deposits to total assets | 81.5274% | 5,190 |
| Equity capital to assets | 10.1517% | 3,946 |
| Core capital (leverage) ratio | 9.7571% | 3,540 |
| Tier 1 risk-based capital ratio | 12.6011% | 4,888 |
| Total risk-based capital ratio | 13.8564% | 4,863 |
| Memoranda: | ||
| Average total assets | $369,069,000 | 1,800 |
| Average earning assets | $345,557,000 | 1,755 |
| Average equity | $37,019,000 | 1,804 |
| Average total loans | $292,780,250 | 1,549 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5420% | 2,360 |
| Cost of funding earning assets | 1.9552% | 1,026 |
| Net interest margin | 3.5869% | 4,876 |
| Noninterest income to average assets | 0.3789% | 5,093 |
| Noninterest expense to average assets | 1.9067% | 7,257 |
| Loan and lease loss provision to assets | 0.4107% | 3,266 |
| Net operating income to assets | 1.4067% | 1,082 |
| Return on assets (ROA) | 1.4067% | 1,142 |
| Pretax return on assets | 1.4188% | 1,783 |
| Return on Equity (ROE) | 14.0838% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.6180% | 1,223 |
| Net charge-offs to loans | 0.2209% | 4,276 |
| Credit loss provision to net charge-offs | 232.1981% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.3437% | 1,902 |
| Efficiency ratio | 50.9600% | 7,154 |
| Assets per employee ($millions) | 4.9147% | 2,286 |
| Cash dividends to net income (ytd only)* | 38.8089% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,380 |
| Loan loss allowance to noncurrent loans | 116.5766% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 4,810 |
| Noncurrent loans to loans | 1.3861% | 4,625 |
| Net loans and leases to total assets | 77.3775% | 1,219 |
| Net loans and leases to deposits | 94.8312% | 1,170 |
| Net loans and leases to core deposits | 120.2863% | 684 |
| Total domestic deposits to total assets | 81.5949% | 5,151 |
| Equity capital to assets | 10.0003% | 4,023 |
| Core capital (leverage) ratio | 9.9466% | 3,228 |
| Tier 1 risk-based capital ratio | 12.3301% | 5,014 |
| Total risk-based capital ratio | 13.5798% | 4,991 |
| Memoranda: | ||
| Average total assets | $365,246,670 | 1,832 |
| Average earning assets | $341,859,670 | 1,791 |
| Average equity | $36,481,670 | 1,823 |
| Average total loans | $292,381,000 | 1,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 2,614 |
| Cost of funding earning assets | 1.9900% | 1,126 |
| Net interest margin | 3.5036% | 5,137 |
| Noninterest income to average assets | 0.4043% | 4,884 |
| Noninterest expense to average assets | 1.8731% | 7,378 |
| Loan and lease loss provision to assets | 0.4154% | 2,885 |
| Net operating income to assets | 1.3780% | 1,126 |
| Return on assets (ROA) | 1.3780% | 1,202 |
| Pretax return on assets | 1.3902% | 1,805 |
| Return on Equity (ROE) | 13.8046% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.1451% | 1,649 |
| Net charge-offs to loans | 0.3483% | 3,017 |
| Credit loss provision to net charge-offs | 147.6378% | 2,411 |
| Earnings coverage of net charge-offs (x) | 6.4173% | 2,226 |
| Efficiency ratio | 50.8281% | 7,255 |
| Assets per employee ($millions) | 5.1145% | 2,073 |
| Cash dividends to net income (ytd only)* | 40.9968% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,751 |
| Loan loss allowance to noncurrent loans | 107.8436% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 4,688 |
| Noncurrent loans to loans | 1.4188% | 4,607 |
| Net loans and leases to total assets | 78.7045% | 1,022 |
| Net loans and leases to deposits | 96.2581% | 1,077 |
| Net loans and leases to core deposits | 126.4771% | 572 |
| Total domestic deposits to total assets | 81.7641% | 5,171 |
| Equity capital to assets | 10.0471% | 3,801 |
| Core capital (leverage) ratio | 9.8754% | 3,312 |
| Tier 1 risk-based capital ratio | 12.1620% | 5,027 |
| Total risk-based capital ratio | 13.4151% | 4,991 |
| Memoranda: | ||
| Average total assets | $361,111,500 | 1,898 |
| Average earning assets | $337,485,000 | 1,853 |
| Average equity | $36,046,000 | 1,866 |
| Average total loans | $291,689,000 | 1,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9733% | 1,969 |
| Cost of funding earning assets | 2.2715% | 1,763 |
| Net interest margin | 3.7018% | 4,140 |
| Noninterest income to average assets | 0.4402% | 4,883 |
| Noninterest expense to average assets | 1.9864% | 7,382 |
| Loan and lease loss provision to assets | 0.4454% | 4,156 |
| Net operating income to assets | 1.4688% | 720 |
| Return on assets (ROA) | 1.4688% | 781 |
| Pretax return on assets | 1.4752% | 1,250 |
| Return on Equity (ROE) | 15.2331% | 642 |
| Retained earnings to average equity (ytd only) | 9.3233% | 447 |
| Net charge-offs to loans | 0.4704% | 3,897 |
| Credit loss provision to net charge-offs | 112.6100% | 4,872 |
| Earnings coverage of net charge-offs (x) | 4.8556% | 2,781 |
| Efficiency ratio | 50.7608% | 7,491 |
| Assets per employee ($millions) | 4.9874% | 2,234 |
| Cash dividends to net income (ytd only)* | 38.7957% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 3,867 |
| Loan loss allowance to noncurrent loans | 84.3091% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.4537% | 4,239 |
| Noncurrent loans to loans | 1.7480% | 4,017 |
| Net loans and leases to total assets | 80.4296% | 919 |
| Net loans and leases to deposits | 100.1529% | 888 |
| Net loans and leases to core deposits | 122.7175% | 1,735 |
| Total domestic deposits to total assets | 80.3068% | 5,585 |
| Equity capital to assets | 9.9161% | 3,878 |
| Core capital (leverage) ratio | 9.8431% | 3,279 |
| Tier 1 risk-based capital ratio | 11.7171% | 5,179 |
| Total risk-based capital ratio | 12.9542% | 5,153 |
| Memoranda: | ||
| Average total assets | $344,837,800 | 1,979 |
| Average earning assets | $322,952,600 | 1,924 |
| Average equity | $33,250,000 | 2,018 |
| Average total loans | $289,937,600 | 1,657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0337% | 1,906 |
| Cost of funding earning assets | 2.3268% | 1,886 |
| Net interest margin | 3.7069% | 4,040 |
| Noninterest income to average assets | 0.3973% | 5,304 |
| Noninterest expense to average assets | 2.0030% | 7,377 |
| Loan and lease loss provision to assets | 0.3809% | 4,044 |
| Net operating income to assets | 1.4811% | 849 |
| Return on assets (ROA) | 1.4811% | 909 |
| Pretax return on assets | 1.4869% | 1,453 |
| Return on Equity (ROE) | 15.4760% | 714 |
| Retained earnings to average equity (ytd only) | 8.4340% | 999 |
| Net charge-offs to loans | 0.1591% | 5,114 |
| Credit loss provision to net charge-offs | 282.6087% | 1,489 |
| Earnings coverage of net charge-offs (x) | 13.8579% | 1,648 |
| Efficiency ratio | 51.6956% | 7,434 |
| Assets per employee ($millions) | 4.8577% | 2,316 |
| Cash dividends to net income (ytd only)* | 45.5025% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 2,993 |
| Loan loss allowance to noncurrent loans | 79.8730% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 3,815 |
| Noncurrent loans to loans | 2.0025% | 3,638 |
| Net loans and leases to total assets | 84.0446% | 535 |
| Net loans and leases to deposits | 105.5438% | 674 |
| Net loans and leases to core deposits | 129.1252% | 1,494 |
| Total domestic deposits to total assets | 79.6301% | 5,586 |
| Equity capital to assets | 9.9295% | 4,173 |
| Core capital (leverage) ratio | 9.7830% | 3,537 |
| Tier 1 risk-based capital ratio | 11.3351% | 5,606 |
| Total risk-based capital ratio | 12.5850% | 5,545 |
| Memoranda: | ||
| Average total assets | $341,273,750 | 2,012 |
| Average earning assets | $319,796,000 | 1,959 |
| Average equity | $32,660,500 | 2,070 |
| Average total loans | $289,137,500 | 1,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0270% | 2,069 |
| Cost of funding earning assets | 2.4097% | 1,930 |
| Net interest margin | 3.6173% | 4,291 |
| Noninterest income to average assets | 0.3859% | 5,412 |
| Noninterest expense to average assets | 1.9773% | 7,499 |
| Loan and lease loss provision to assets | 0.2836% | 4,304 |
| Net operating income to assets | 1.5116% | 815 |
| Return on assets (ROA) | 1.5116% | 873 |
| Pretax return on assets | 1.5163% | 1,397 |
| Return on Equity (ROE) | 16.0020% | 694 |
| Retained earnings to average equity (ytd only) | 9.4335% | 830 |
| Net charge-offs to loans | -0.0147% | 7,652 |
| Credit loss provision to net charge-offs | -2,285.7143% | 7,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2685% | 7,494 |
| Assets per employee ($millions) | 4.7124% | 2,447 |
| Cash dividends to net income (ytd only)* | 41.0477% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 2,813 |
| Loan loss allowance to noncurrent loans | 67.7697% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.0218% | 3,170 |
| Noncurrent loans to loans | 2.3379% | 3,091 |
| Net loans and leases to total assets | 85.1106% | 488 |
| Net loans and leases to deposits | 107.4028% | 686 |
| Net loans and leases to core deposits | 136.9617% | 1,161 |
| Total domestic deposits to total assets | 79.2444% | 5,734 |
| Equity capital to assets | 9.8672% | 4,125 |
| Core capital (leverage) ratio | 9.8507% | 3,449 |
| Tier 1 risk-based capital ratio | 11.4702% | 5,416 |
| Total risk-based capital ratio | 12.7201% | 5,337 |
| Memoranda: | ||
| Average total assets | $338,446,330 | 2,047 |
| Average earning assets | $317,304,670 | 2,005 |
| Average equity | $31,971,000 | 2,115 |
| Average total loans | $285,940,330 | 1,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 2,722 |
| Cost of funding earning assets | 2.5413% | 1,763 |
| Net interest margin | 3.3753% | 5,233 |
| Noninterest income to average assets | 0.3976% | 5,225 |
| Noninterest expense to average assets | 1.8910% | 7,564 |
| Loan and lease loss provision to assets | 0.2663% | 3,831 |
| Net operating income to assets | 1.3999% | 1,140 |
| Return on assets (ROA) | 1.3999% | 1,228 |
| Pretax return on assets | 1.4011% | 1,965 |
| Return on Equity (ROE) | 15.1584% | 952 |
| Retained earnings to average equity (ytd only) | 10.3533% | 1,106 |
| Net charge-offs to loans | -0.0227% | 7,472 |
| Credit loss provision to net charge-offs | -1,406.2500% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0429% | 7,313 |
| Assets per employee ($millions) | 4.7014% | 2,435 |
| Cash dividends to net income (ytd only)* | 31.6991% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 2,830 |
| Loan loss allowance to noncurrent loans | 62.7987% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.0647% | 2,800 |
| Noncurrent loans to loans | 2.4319% | 2,709 |
| Net loans and leases to total assets | 83.6031% | 750 |
| Net loans and leases to deposits | 105.8490% | 879 |
| Net loans and leases to core deposits | 132.9121% | 1,478 |
| Total domestic deposits to total assets | 78.9833% | 5,734 |
| Equity capital to assets | 9.6847% | 4,404 |
| Core capital (leverage) ratio | 9.6420% | 3,831 |
| Tier 1 risk-based capital ratio | 11.5895% | 5,318 |
| Total risk-based capital ratio | 12.8394% | 5,226 |
| Memoranda: | ||
| Average total assets | $338,021,500 | 2,060 |
| Average earning assets | $316,536,500 | 2,017 |
| Average equity | $31,217,000 | 2,175 |
| Average total loans | $282,197,500 | 1,765 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6108% | 2,433 |
| Cost of funding earning assets | 3.0998% | 1,508 |
| Net interest margin | 3.5109% | 5,263 |
| Noninterest income to average assets | 0.4230% | 5,275 |
| Noninterest expense to average assets | 1.9671% | 7,504 |
| Loan and lease loss provision to assets | 0.3823% | 3,403 |
| Net operating income to assets | 1.3367% | 1,381 |
| Return on assets (ROA) | 1.3367% | 1,333 |
| Pretax return on assets | 1.3443% | 2,156 |
| Return on Equity (ROE) | 13.6943% | 1,164 |
| Retained earnings to average equity (ytd only) | -5.5310% | 6,589 |
| Net charge-offs to loans | 0.2073% | 4,127 |
| Credit loss provision to net charge-offs | 221.2389% | 2,166 |
| Earnings coverage of net charge-offs (x) | 9.9912% | 2,596 |
| Efficiency ratio | 53.1716% | 7,360 |
| Assets per employee ($millions) | 4.6881% | 2,345 |
| Cash dividends to net income (ytd only)* | 140.3890% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,708 |
| Loan loss allowance to noncurrent loans | 64.3001% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.9112% | 2,566 |
| Noncurrent loans to loans | 2.3288% | 2,372 |
| Net loans and leases to total assets | 80.8375% | 1,482 |
| Net loans and leases to deposits | 101.9466% | 1,597 |
| Net loans and leases to core deposits | 128.7690% | 1,943 |
| Total domestic deposits to total assets | 79.2940% | 5,266 |
| Equity capital to assets | 8.7844% | 5,679 |
| Core capital (leverage) ratio | 8.9762% | 4,777 |
| Tier 1 risk-based capital ratio | 10.9545% | 5,763 |
| Total risk-based capital ratio | 12.2043% | 5,677 |
| Memoranda: | ||
| Average total assets | $326,934,600 | 2,045 |
| Average earning assets | $304,564,200 | 2,003 |
| Average equity | $31,911,200 | 2,118 |
| Average total loans | $272,576,200 | 1,755 |