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 | 5.3914% | 2,318 |
| Cost of funding earning assets | 2.2551% | 1,302 |
| Net interest margin | 3.1362% | 3,132 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 2.4712% | 2,382 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.7910% | 2,867 |
| Return on assets (ROA) | 0.7907% | 2,865 |
| Pretax return on assets | 0.9442% | 2,865 |
| Return on Equity (ROE) | 9.1800% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.1837% | 1,400 |
| Net charge-offs to loans | 0.0244% | 1,502 |
| Credit loss provision to net charge-offs | 174.6269% | 963 |
| Earnings coverage of net charge-offs (x) | 53.2836% | 963 |
| Efficiency ratio | 71.4954% | 1,668 |
| Assets per employee ($millions) | 7.3705% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,626 |
| Loan loss allowance to noncurrent loans | 98.8671% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8794% | 853 |
| Noncurrent loans to loans | 1.1297% | 950 |
| Net loans and leases to total assets | 75.1800% | 1,189 |
| Net loans and leases to deposits | 96.2380% | 601 |
| Net loans and leases to core deposits | 108.0436% | 933 |
| Total domestic deposits to total assets | 78.1200% | 3,801 |
| Equity capital to assets | 8.8203% | 3,061 |
| Core capital (leverage) ratio | 9.7053% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2581% | 1,759 |
| Memoranda: | ||
| Average total assets | $1,462,446,000 | 762 |
| Average earning assets | $1,370,556,000 | 746 |
| Average equity | $125,919,000 | 877 |
| Average total loans | $1,100,155,000 | 711 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 2,531 |
| Cost of funding earning assets | 2.2942% | 1,547 |
| Net interest margin | 3.0056% | 3,136 |
| Noninterest income to average assets | 0.4800% | 2,039 |
| Noninterest expense to average assets | 2.2977% | 2,875 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.8480% | 2,556 |
| Return on assets (ROA) | 0.7892% | 2,733 |
| Pretax return on assets | 0.9275% | 2,728 |
| Return on Equity (ROE) | 9.6300% | 2,260 |
| Retained earnings to average equity (ytd only) | 6.6079% | 1,584 |
| Net charge-offs to loans | 0.0055% | 2,729 |
| Credit loss provision to net charge-offs | 166.6667% | 1,295 |
| Earnings coverage of net charge-offs (x) | 244.7500% | 444 |
| Efficiency ratio | 69.3013% | 2,088 |
| Assets per employee ($millions) | 7.3645% | 1,928 |
| Cash dividends to net income (ytd only)* | 31.3780% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,529 |
| Loan loss allowance to noncurrent loans | 120.5273% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 1,051 |
| Noncurrent loans to loans | 0.9388% | 1,066 |
| Net loans and leases to total assets | 73.5900% | 1,461 |
| Net loans and leases to deposits | 93.0118% | 941 |
| Net loans and leases to core deposits | 101.8202% | 1,340 |
| Total domestic deposits to total assets | 79.1100% | 3,658 |
| Equity capital to assets | 8.4009% | 3,278 |
| Core capital (leverage) ratio | 9.4594% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1028% | 1,827 |
| Memoranda: | ||
| Average total assets | $1,453,819,600 | 752 |
| Average earning assets | $1,365,795,200 | 732 |
| Average equity | $119,146,000 | 889 |
| Average total loans | $1,087,360,000 | 710 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 2,605 |
| Cost of funding earning assets | 2.2832% | 1,565 |
| Net interest margin | 2.9434% | 3,214 |
| Noninterest income to average assets | 0.4800% | 1,981 |
| Noninterest expense to average assets | 2.3158% | 2,745 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.7801% | 2,759 |
| Return on assets (ROA) | 0.7414% | 2,879 |
| Pretax return on assets | 0.8713% | 2,874 |
| Return on Equity (ROE) | 9.1000% | 2,454 |
| Retained earnings to average equity (ytd only) | 7.9759% | 1,402 |
| Net charge-offs to loans | -0.0002% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.0723% | 1,895 |
| Assets per employee ($millions) | 7.5289% | 1,789 |
| Cash dividends to net income (ytd only)* | 12.3946% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,338 |
| Loan loss allowance to noncurrent loans | 122.8594% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 1,028 |
| Noncurrent loans to loans | 0.9578% | 1,051 |
| Net loans and leases to total assets | 71.6900% | 1,646 |
| Net loans and leases to deposits | 92.0430% | 1,038 |
| Net loans and leases to core deposits | 100.5257% | 1,449 |
| Total domestic deposits to total assets | 77.8900% | 3,741 |
| Equity capital to assets | 8.5253% | 3,384 |
| Core capital (leverage) ratio | 9.6265% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6615% | 1,638 |
| Memoranda: | ||
| Average total assets | $1,450,892,250 | 743 |
| Average earning assets | $1,363,959,500 | 728 |
| Average equity | $118,153,000 | 888 |
| Average total loans | $1,086,509,250 | 706 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 2,622 |
| Cost of funding earning assets | 2.2624% | 1,522 |
| Net interest margin | 2.9055% | 3,241 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 2.3332% | 2,701 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.7233% | 2,868 |
| Return on assets (ROA) | 0.6636% | 3,057 |
| Pretax return on assets | 0.7665% | 3,074 |
| Return on Equity (ROE) | 8.2800% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.5518% | 1,801 |
| Net charge-offs to loans | -0.0002% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.5129% | 1,799 |
| Assets per employee ($millions) | 7.5428% | 1,709 |
| Cash dividends to net income (ytd only)* | 20.8899% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,468 |
| Loan loss allowance to noncurrent loans | 102.2069% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 773 |
| Noncurrent loans to loans | 1.1310% | 804 |
| Net loans and leases to total assets | 72.4900% | 1,591 |
| Net loans and leases to deposits | 92.4178% | 1,085 |
| Net loans and leases to core deposits | 100.9439% | 1,425 |
| Total domestic deposits to total assets | 78.4300% | 3,656 |
| Equity capital to assets | 7.9176% | 3,484 |
| Core capital (leverage) ratio | 9.4724% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8631% | 1,945 |
| Memoranda: | ||
| Average total assets | $1,442,635,333 | 751 |
| Average earning assets | $1,357,582,333 | 732 |
| Average equity | $115,602,667 | 898 |
| Average total loans | $1,091,822,000 | 704 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 2,405 |
| Cost of funding earning assets | 2.2724% | 1,400 |
| Net interest margin | 2.9238% | 3,152 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.3474% | 2,667 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.6938% | 2,866 |
| Return on assets (ROA) | 0.5697% | 3,253 |
| Pretax return on assets | 0.6396% | 3,304 |
| Return on Equity (ROE) | 7.0700% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.0659% | 1,816 |
| Net charge-offs to loans | 0.0011% | 2,182 |
| Credit loss provision to net charge-offs | 6,500.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 987.3333% | 98 |
| Efficiency ratio | 73.5776% | 1,783 |
| Assets per employee ($millions) | 7.1993% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,596 |
| Loan loss allowance to noncurrent loans | 107.9489% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 734 |
| Noncurrent loans to loans | 1.0572% | 800 |
| Net loans and leases to total assets | 76.3100% | 1,031 |
| Net loans and leases to deposits | 96.1374% | 706 |
| Net loans and leases to core deposits | 106.3362% | 1,087 |
| Total domestic deposits to total assets | 79.3800% | 3,622 |
| Equity capital to assets | 8.1467% | 3,266 |
| Core capital (leverage) ratio | 9.3695% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0437% | 1,859 |
| Memoranda: | ||
| Average total assets | $1,420,987,000 | 767 |
| Average earning assets | $1,336,886,500 | 749 |
| Average equity | $114,579,000 | 904 |
| Average total loans | $1,092,879,000 | 709 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 2,498 |
| Cost of funding earning assets | 1.6570% | 1,548 |
| Net interest margin | 3.1296% | 3,029 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.2493% | 2,984 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7844% | 2,919 |
| Return on assets (ROA) | 0.7518% | 3,019 |
| Pretax return on assets | 1.1333% | 2,306 |
| Return on Equity (ROE) | 9.6500% | 2,593 |
| Retained earnings to average equity (ytd only) | 5.0460% | 2,593 |
| Net charge-offs to loans | -0.0214% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.8544% | 2,500 |
| Assets per employee ($millions) | 7.2270% | 1,920 |
| Cash dividends to net income (ytd only)* | 47.6826% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 2,681 |
| Loan loss allowance to noncurrent loans | 218.5080% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 1,406 |
| Noncurrent loans to loans | 0.5160% | 1,498 |
| Net loans and leases to total assets | 75.7700% | 1,148 |
| Net loans and leases to deposits | 93.3072% | 992 |
| Net loans and leases to core deposits | 103.7789% | 1,229 |
| Total domestic deposits to total assets | 81.2000% | 3,271 |
| Equity capital to assets | 7.9803% | 3,433 |
| Core capital (leverage) ratio | 9.2551% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7163% | 1,973 |
| Memoranda: | ||
| Average total assets | $1,394,812,000 | 752 |
| Average earning assets | $1,306,363,600 | 737 |
| Average equity | $108,719,200 | 893 |
| Average total loans | $1,044,335,000 | 703 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 2,555 |
| Cost of funding earning assets | 1.5105% | 1,572 |
| Net interest margin | 3.1505% | 3,025 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2881% | 2,830 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7888% | 3,055 |
| Return on assets (ROA) | 0.7676% | 3,114 |
| Pretax return on assets | 1.1703% | 2,365 |
| Return on Equity (ROE) | 9.9100% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.1881% | 2,572 |
| Net charge-offs to loans | -0.0288% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.7917% | 2,412 |
| Assets per employee ($millions) | 7.4070% | 1,692 |
| Cash dividends to net income (ytd only)* | 37.5516% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 2,848 |
| Loan loss allowance to noncurrent loans | 209.7282% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 1,420 |
| Noncurrent loans to loans | 0.5263% | 1,503 |
| Net loans and leases to total assets | 76.4800% | 1,068 |
| Net loans and leases to deposits | 92.7363% | 994 |
| Net loans and leases to core deposits | 104.7071% | 1,080 |
| Total domestic deposits to total assets | 82.4700% | 3,129 |
| Equity capital to assets | 7.4761% | 3,366 |
| Core capital (leverage) ratio | 9.2089% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4624% | 2,091 |
| Memoranda: | ||
| Average total assets | $1,387,584,750 | 755 |
| Average earning assets | $1,298,829,000 | 743 |
| Average equity | $107,494,750 | 896 |
| Average total loans | $1,032,667,250 | 707 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 2,574 |
| Cost of funding earning assets | 1.3306% | 1,631 |
| Net interest margin | 3.1990% | 2,998 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.3543% | 2,646 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9552% | 2,563 |
| Return on assets (ROA) | 0.9230% | 2,662 |
| Pretax return on assets | 1.1838% | 2,402 |
| Return on Equity (ROE) | 11.7700% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.1907% | 2,554 |
| Net charge-offs to loans | -0.0453% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.0051% | 2,377 |
| Assets per employee ($millions) | 7.2644% | 1,737 |
| Cash dividends to net income (ytd only)* | 47.4083% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 2,823 |
| Loan loss allowance to noncurrent loans | 197.0579% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 1,248 |
| Noncurrent loans to loans | 0.5705% | 1,312 |
| Net loans and leases to total assets | 74.0200% | 1,291 |
| Net loans and leases to deposits | 90.5503% | 1,137 |
| Net loans and leases to core deposits | 101.9145% | 1,138 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 7.6748% | 3,418 |
| Core capital (leverage) ratio | 9.4753% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6210% | 2,054 |
| Memoranda: | ||
| Average total assets | $1,371,124,667 | 752 |
| Average earning assets | $1,280,141,333 | 741 |
| Average equity | $107,516,667 | 889 |
| Average total loans | $1,006,471,000 | 706 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 2,443 |
| Cost of funding earning assets | 1.1436% | 1,619 |
| Net interest margin | 3.2974% | 2,881 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.3708% | 2,607 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9674% | 2,631 |
| Return on assets (ROA) | 0.9674% | 2,592 |
| Pretax return on assets | 1.2750% | 2,241 |
| Return on Equity (ROE) | 12.2000% | 2,166 |
| Retained earnings to average equity (ytd only) | 12.2003% | 1,231 |
| Net charge-offs to loans | -0.0200% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.2292% | 2,430 |
| Assets per employee ($millions) | 6.9008% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,678 |
| Loan loss allowance to noncurrent loans | 198.8508% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 1,203 |
| Noncurrent loans to loans | 0.5920% | 1,260 |
| Net loans and leases to total assets | 71.5900% | 1,463 |
| Net loans and leases to deposits | 86.8372% | 1,295 |
| Net loans and leases to core deposits | 95.8158% | 1,295 |
| Total domestic deposits to total assets | 82.4400% | 3,416 |
| Equity capital to assets | 8.0543% | 3,206 |
| Core capital (leverage) ratio | 9.6851% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3985% | 1,829 |
| Memoranda: | ||
| Average total assets | $1,348,405,500 | 777 |
| Average earning assets | $1,260,262,000 | 768 |
| Average equity | $106,915,500 | 905 |
| Average total loans | $979,509,500 | 739 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 2,111 |
| Cost of funding earning assets | 0.4341% | 1,827 |
| Net interest margin | 3.4218% | 2,181 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.3125% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1097% | 2,127 |
| Return on assets (ROA) | 1.1097% | 2,064 |
| Pretax return on assets | 1.4627% | 1,564 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 9.6441% | 1,261 |
| Net charge-offs to loans | -0.0075% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.9437% | 2,917 |
| Assets per employee ($millions) | 7.0387% | 1,942 |
| Cash dividends to net income (ytd only)* | 28.3678% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,085 |
| Loan loss allowance to noncurrent loans | 206.9180% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 1,115 |
| Noncurrent loans to loans | 0.6099% | 1,225 |
| Net loans and leases to total assets | 71.9200% | 1,426 |
| Net loans and leases to deposits | 82.5181% | 1,579 |
| Net loans and leases to core deposits | 90.9372% | 1,460 |
| Total domestic deposits to total assets | 87.1600% | 2,340 |
| Equity capital to assets | 7.8017% | 3,186 |
| Core capital (leverage) ratio | 9.5434% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1603% | 1,918 |
| Memoranda: | ||
| Average total assets | $1,302,442,000 | 789 |
| Average earning assets | $1,219,474,200 | 779 |
| Average equity | $107,350,400 | 901 |
| Average total loans | $928,055,000 | 732 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 2,057 |
| Cost of funding earning assets | 0.3318% | 1,842 |
| Net interest margin | 3.3649% | 2,083 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.2926% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0961% | 2,124 |
| Return on assets (ROA) | 1.0961% | 2,084 |
| Pretax return on assets | 1.4439% | 1,586 |
| Return on Equity (ROE) | 13.1200% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.5279% | 1,187 |
| Net charge-offs to loans | -0.0223% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0288% | 2,966 |
| Assets per employee ($millions) | 6.9667% | 1,969 |
| Cash dividends to net income (ytd only)* | 19.7443% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,010 |
| Loan loss allowance to noncurrent loans | 202.2720% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 1,136 |
| Noncurrent loans to loans | 0.6446% | 1,261 |
| Net loans and leases to total assets | 71.1400% | 1,382 |
| Net loans and leases to deposits | 81.1930% | 1,509 |
| Net loans and leases to core deposits | 89.3430% | 1,340 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 7.7835% | 3,031 |
| Core capital (leverage) ratio | 9.3970% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2231% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,293,712,250 | 801 |
| Average earning assets | $1,213,711,500 | 789 |
| Average equity | $108,103,750 | 911 |
| Average total loans | $916,529,500 | 738 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 1,936 |
| Cost of funding earning assets | 0.2401% | 2,395 |
| Net interest margin | 3.3290% | 1,822 |
| Noninterest income to average assets | 0.6096% | 1,695 |
| Noninterest expense to average assets | 2.3159% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0780% | 1,864 |
| Return on assets (ROA) | 1.0780% | 1,842 |
| Pretax return on assets | 1.4177% | 1,387 |
| Return on Equity (ROE) | 12.6064% | 1,491 |
| Retained earnings to average equity (ytd only) | 8.7874% | 1,350 |
| Net charge-offs to loans | -0.0375% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6753% | 3,081 |
| Assets per employee ($millions) | 6.8649% | 2,028 |
| Cash dividends to net income (ytd only)* | 30.2943% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,091 |
| Loan loss allowance to noncurrent loans | 200.4529% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 1,170 |
| Noncurrent loans to loans | 0.6591% | 1,302 |
| Net loans and leases to total assets | 70.9584% | 1,209 |
| Net loans and leases to deposits | 82.6753% | 1,199 |
| Net loans and leases to core deposits | 89.3077% | 1,159 |
| Total domestic deposits to total assets | 85.8277% | 3,290 |
| Equity capital to assets | 7.9390% | 3,166 |
| Core capital (leverage) ratio | 9.3473% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8555% | 2,121 |
| Memoranda: | ||
| Average total assets | $1,286,044,667 | 804 |
| Average earning assets | $1,206,848,667 | 793 |
| Average equity | $109,976,000 | 903 |
| Average total loans | $905,686,000 | 732 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 1,743 |
| Cost of funding earning assets | 0.2051% | 2,723 |
| Net interest margin | 3.3143% | 1,538 |
| Noninterest income to average assets | 0.6243% | 1,588 |
| Noninterest expense to average assets | 2.2849% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1049% | 1,516 |
| Return on assets (ROA) | 1.1049% | 1,503 |
| Pretax return on assets | 1.4529% | 1,121 |
| Return on Equity (ROE) | 12.4641% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.4641% | 533 |
| Net charge-offs to loans | -0.0535% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7358% | 3,406 |
| Assets per employee ($millions) | 6.8544% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,944 |
| Loan loss allowance to noncurrent loans | 162.1682% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 820 |
| Noncurrent loans to loans | 0.8572% | 1,090 |
| Net loans and leases to total assets | 69.4087% | 1,070 |
| Net loans and leases to deposits | 80.1394% | 1,138 |
| Net loans and leases to core deposits | 85.2695% | 1,170 |
| Total domestic deposits to total assets | 86.6100% | 3,069 |
| Equity capital to assets | 8.5304% | 3,130 |
| Core capital (leverage) ratio | 9.3062% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4421% | 2,021 |
| Memoranda: | ||
| Average total assets | $1,276,903,500 | 814 |
| Average earning assets | $1,199,521,500 | 804 |
| Average equity | $113,189,000 | 904 |
| Average total loans | $889,568,500 | 736 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 1,936 |
| Cost of funding earning assets | 0.2426% | 3,022 |
| Net interest margin | 3.5287% | 1,658 |
| Noninterest income to average assets | 0.7815% | 1,503 |
| Noninterest expense to average assets | 2.4303% | 2,394 |
| Loan and lease loss provision to assets | 0.0819% | 1,497 |
| Net operating income to assets | 1.2089% | 1,897 |
| Return on assets (ROA) | 1.2176% | 1,913 |
| Pretax return on assets | 1.6107% | 1,399 |
| Return on Equity (ROE) | 12.9645% | 1,477 |
| Retained earnings to average equity (ytd only) | -3.6041% | 4,674 |
| Net charge-offs to loans | -0.0447% | 4,277 |
| Credit loss provision to net charge-offs | -258.3979% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8484% | 3,308 |
| Assets per employee ($millions) | 6.8755% | 2,015 |
| Cash dividends to net income (ytd only)* | 127.7998% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 2,042 |
| Loan loss allowance to noncurrent loans | 164.6061% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 987 |
| Noncurrent loans to loans | 0.8330% | 1,220 |
| Net loans and leases to total assets | 68.0169% | 1,263 |
| Net loans and leases to deposits | 79.3323% | 1,270 |
| Net loans and leases to core deposits | 82.2921% | 1,444 |
| Total domestic deposits to total assets | 85.7367% | 3,001 |
| Equity capital to assets | 9.1902% | 3,431 |
| Core capital (leverage) ratio | 8.9071% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1702% | 2,174 |
| Memoranda: | ||
| Average total assets | $1,220,993,600 | 816 |
| Average earning assets | $1,152,414,400 | 805 |
| Average equity | $114,674,400 | 908 |
| Average total loans | $866,007,800 | 749 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 1,793 |
| Cost of funding earning assets | 0.2492% | 3,134 |
| Net interest margin | 3.6395% | 1,495 |
| Noninterest income to average assets | 0.7674% | 1,626 |
| Noninterest expense to average assets | 2.4100% | 2,409 |
| Loan and lease loss provision to assets | 0.1108% | 1,093 |
| Net operating income to assets | 1.2712% | 1,916 |
| Return on assets (ROA) | 1.2829% | 1,933 |
| Pretax return on assets | 1.6975% | 1,412 |
| Return on Equity (ROE) | 13.5811% | 1,528 |
| Retained earnings to average equity (ytd only) | -5.7769% | 4,798 |
| Net charge-offs to loans | -0.0265% | 4,086 |
| Credit loss provision to net charge-offs | -584.7953% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1199% | 3,403 |
| Assets per employee ($millions) | 7.0094% | 1,862 |
| Cash dividends to net income (ytd only)* | 142.5363% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 2,202 |
| Loan loss allowance to noncurrent loans | 154.9832% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 919 |
| Noncurrent loans to loans | 0.8736% | 1,314 |
| Net loans and leases to total assets | 67.4489% | 1,381 |
| Net loans and leases to deposits | 80.3235% | 1,257 |
| Net loans and leases to core deposits | 83.0719% | 1,494 |
| Total domestic deposits to total assets | 83.9715% | 3,460 |
| Equity capital to assets | 9.1705% | 3,683 |
| Core capital (leverage) ratio | 8.7273% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0948% | 2,324 |
| Memoranda: | ||
| Average total assets | $1,203,091,750 | 834 |
| Average earning assets | $1,135,803,750 | 824 |
| Average equity | $113,645,000 | 926 |
| Average total loans | $859,657,500 | 770 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 1,439 |
| Cost of funding earning assets | 0.2682% | 3,103 |
| Net interest margin | 3.7869% | 1,159 |
| Noninterest income to average assets | 0.8223% | 1,471 |
| Noninterest expense to average assets | 2.5037% | 2,127 |
| Loan and lease loss provision to assets | 0.1707% | 678 |
| Net operating income to assets | 1.3066% | 1,847 |
| Return on assets (ROA) | 1.3247% | 1,854 |
| Pretax return on assets | 1.7516% | 1,352 |
| Return on Equity (ROE) | 13.8747% | 1,451 |
| Retained earnings to average equity (ytd only) | 10.2996% | 1,311 |
| Net charge-offs to loans | 0.0021% | 2,129 |
| Credit loss provision to net charge-offs | 11,111.1111% | 51 |
| Earnings coverage of net charge-offs (x) | 1,236.5556% | 104 |
| Efficiency ratio | 56.7309% | 3,442 |
| Assets per employee ($millions) | 6.7043% | 2,018 |
| Cash dividends to net income (ytd only)* | 25.7666% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,194 |
| Loan loss allowance to noncurrent loans | 167.4834% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 1,139 |
| Noncurrent loans to loans | 0.8053% | 1,522 |
| Net loans and leases to total assets | 68.9959% | 1,329 |
| Net loans and leases to deposits | 83.2965% | 1,106 |
| Net loans and leases to core deposits | 85.5901% | 1,448 |
| Total domestic deposits to total assets | 82.8318% | 3,741 |
| Equity capital to assets | 9.2860% | 3,522 |
| Core capital (leverage) ratio | 8.6673% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4163% | 2,200 |
| Memoranda: | ||
| Average total assets | $1,171,874,333 | 848 |
| Average earning assets | $1,108,080,000 | 830 |
| Average equity | $111,887,333 | 926 |
| Average total loans | $850,662,000 | 777 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 1,332 |
| Cost of funding earning assets | 0.2870% | 3,131 |
| Net interest margin | 3.8394% | 1,074 |
| Noninterest income to average assets | 0.9305% | 1,250 |
| Noninterest expense to average assets | 2.3184% | 2,728 |
| Loan and lease loss provision to assets | 0.3537% | 236 |
| Net operating income to assets | 1.4372% | 1,477 |
| Return on assets (ROA) | 1.4430% | 1,529 |
| Pretax return on assets | 1.9088% | 1,100 |
| Return on Equity (ROE) | 14.8877% | 1,244 |
| Retained earnings to average equity (ytd only) | 14.8877% | 638 |
| Net charge-offs to loans | 0.0062% | 1,676 |
| Credit loss provision to net charge-offs | 7,692.3077% | 79 |
| Earnings coverage of net charge-offs (x) | 490.4615% | 195 |
| Efficiency ratio | 50.6767% | 4,128 |
| Assets per employee ($millions) | 6.8140% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,943 |
| Loan loss allowance to noncurrent loans | 183.6855% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 1,414 |
| Noncurrent loans to loans | 0.7640% | 1,711 |
| Net loans and leases to total assets | 73.4297% | 857 |
| Net loans and leases to deposits | 89.2396% | 750 |
| Net loans and leases to core deposits | 91.7938% | 1,128 |
| Total domestic deposits to total assets | 82.2837% | 3,837 |
| Equity capital to assets | 9.7508% | 2,945 |
| Core capital (leverage) ratio | 9.5548% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4742% | 1,749 |
| Memoranda: | ||
| Average total assets | $1,130,956,500 | 861 |
| Average earning assets | $1,073,078,000 | 844 |
| Average equity | $109,621,000 | 936 |
| Average total loans | $837,575,500 | 780 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 2,913 |
| Cost of funding earning assets | 0.5285% | 2,758 |
| Net interest margin | 3.4083% | 2,752 |
| Noninterest income to average assets | 1.0568% | 950 |
| Noninterest expense to average assets | 2.3876% | 3,163 |
| Loan and lease loss provision to assets | 0.5291% | 436 |
| Net operating income to assets | 1.0391% | 2,144 |
| Return on assets (ROA) | 1.0769% | 2,141 |
| Pretax return on assets | 1.4118% | 1,621 |
| Return on Equity (ROE) | 10.9546% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.0933% | 1,363 |
| Net charge-offs to loans | 0.2159% | 807 |
| Credit loss provision to net charge-offs | 332.0429% | 1,628 |
| Earnings coverage of net charge-offs (x) | 11.8809% | 2,375 |
| Efficiency ratio | 55.7563% | 4,015 |
| Assets per employee ($millions) | 6.6517% | 1,815 |
| Cash dividends to net income (ytd only)* | 35.2485% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,404 |
| Loan loss allowance to noncurrent loans | 345.6140% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 2,318 |
| Noncurrent loans to loans | 0.3765% | 2,854 |
| Net loans and leases to total assets | 72.6849% | 1,204 |
| Net loans and leases to deposits | 87.6088% | 1,128 |
| Net loans and leases to core deposits | 90.0178% | 1,523 |
| Total domestic deposits to total assets | 82.9653% | 3,420 |
| Equity capital to assets | 9.6347% | 3,470 |
| Core capital (leverage) ratio | 9.2954% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5390% | 2,039 |
| Memoranda: | ||
| Average total assets | $1,053,750,800 | 841 |
| Average earning assets | $996,719,400 | 818 |
| Average equity | $103,591,200 | 936 |
| Average total loans | $777,541,600 | 802 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 2,884 |
| Cost of funding earning assets | 0.5966% | 2,634 |
| Net interest margin | 3.4351% | 2,795 |
| Noninterest income to average assets | 1.0322% | 976 |
| Noninterest expense to average assets | 2.3707% | 3,217 |
| Loan and lease loss provision to assets | 0.6315% | 384 |
| Net operating income to assets | 0.9766% | 2,427 |
| Return on assets (ROA) | 1.0128% | 2,421 |
| Pretax return on assets | 1.3230% | 1,964 |
| Return on Equity (ROE) | 10.2463% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.2904% | 1,212 |
| Net charge-offs to loans | 0.2371% | 646 |
| Credit loss provision to net charge-offs | 360.8247% | 1,573 |
| Earnings coverage of net charge-offs (x) | 10.9057% | 2,329 |
| Efficiency ratio | 55.3759% | 3,993 |
| Assets per employee ($millions) | 6.4509% | 1,873 |
| Cash dividends to net income (ytd only)* | 19.0888% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,139 |
| Loan loss allowance to noncurrent loans | 183.2663% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 1,776 |
| Noncurrent loans to loans | 0.7119% | 2,016 |
| Net loans and leases to total assets | 71.8745% | 1,684 |
| Net loans and leases to deposits | 87.6641% | 1,526 |
| Net loans and leases to core deposits | 91.3679% | 1,851 |
| Total domestic deposits to total assets | 81.9885% | 3,423 |
| Equity capital to assets | 9.7335% | 3,489 |
| Core capital (leverage) ratio | 9.3628% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6734% | 1,602 |
| Memoranda: | ||
| Average total assets | $1,034,492,750 | 841 |
| Average earning assets | $977,931,000 | 820 |
| Average equity | $102,252,000 | 938 |
| Average total loans | $763,741,000 | 806 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 2,648 |
| Cost of funding earning assets | 0.6778% | 2,512 |
| Net interest margin | 3.5583% | 2,616 |
| Noninterest income to average assets | 1.0132% | 960 |
| Noninterest expense to average assets | 2.4102% | 3,241 |
| Loan and lease loss provision to assets | 0.7117% | 382 |
| Net operating income to assets | 0.9570% | 2,469 |
| Return on assets (ROA) | 1.0065% | 2,423 |
| Pretax return on assets | 1.3123% | 1,989 |
| Return on Equity (ROE) | 10.1267% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.1430% | 1,599 |
| Net charge-offs to loans | 0.3635% | 440 |
| Credit loss provision to net charge-offs | 263.9296% | 1,711 |
| Earnings coverage of net charge-offs (x) | 7.2735% | 2,378 |
| Efficiency ratio | 55.1103% | 4,051 |
| Assets per employee ($millions) | 6.4624% | 1,820 |
| Cash dividends to net income (ytd only)* | 29.4638% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 2,948 |
| Loan loss allowance to noncurrent loans | 208.8798% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,187 |
| Noncurrent loans to loans | 0.5352% | 2,563 |
| Net loans and leases to total assets | 74.3001% | 1,377 |
| Net loans and leases to deposits | 91.4756% | 1,217 |
| Net loans and leases to core deposits | 96.9895% | 1,497 |
| Total domestic deposits to total assets | 81.2240% | 3,556 |
| Equity capital to assets | 9.5142% | 3,650 |
| Core capital (leverage) ratio | 9.4340% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0843% | 1,774 |
| Memoranda: | ||
| Average total assets | $1,011,621,000 | 837 |
| Average earning assets | $954,792,333 | 825 |
| Average equity | $100,545,667 | 941 |
| Average total loans | $750,543,333 | 811 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,819 |
| Cost of funding earning assets | 0.7956% | 2,422 |
| Net interest margin | 3.5361% | 2,865 |
| Noninterest income to average assets | 0.8973% | 1,073 |
| Noninterest expense to average assets | 2.6124% | 2,945 |
| Loan and lease loss provision to assets | 0.7412% | 345 |
| Net operating income to assets | 0.6926% | 3,302 |
| Return on assets (ROA) | 0.7326% | 3,245 |
| Pretax return on assets | 0.9253% | 3,066 |
| Return on Equity (ROE) | 7.1978% | 2,869 |
| Retained earnings to average equity (ytd only) | 7.1978% | 1,472 |
| Net charge-offs to loans | 0.4853% | 300 |
| Credit loss provision to net charge-offs | 207.3733% | 1,397 |
| Earnings coverage of net charge-offs (x) | 4.5207% | 2,132 |
| Efficiency ratio | 61.7647% | 3,522 |
| Assets per employee ($millions) | 5.6323% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,207 |
| Loan loss allowance to noncurrent loans | 191.9756% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 2,599 |
| Noncurrent loans to loans | 0.5727% | 2,563 |
| Net loans and leases to total assets | 73.0814% | 1,767 |
| Net loans and leases to deposits | 92.0830% | 1,270 |
| Net loans and leases to core deposits | 98.0071% | 1,623 |
| Total domestic deposits to total assets | 79.3648% | 3,981 |
| Equity capital to assets | 10.2790% | 3,537 |
| Core capital (leverage) ratio | 10.2552% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6031% | 2,037 |
| Memoranda: | ||
| Average total assets | $971,354,500 | 844 |
| Average earning assets | $915,020,000 | 826 |
| Average equity | $98,863,500 | 952 |
| Average total loans | $715,492,000 | 822 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 2,568 |
| Cost of funding earning assets | 0.8931% | 2,222 |
| Net interest margin | 3.7178% | 2,762 |
| Noninterest income to average assets | 0.7399% | 1,662 |
| Noninterest expense to average assets | 2.4872% | 3,488 |
| Loan and lease loss provision to assets | 0.0917% | 2,198 |
| Net operating income to assets | 1.2568% | 1,844 |
| Return on assets (ROA) | 1.2747% | 1,869 |
| Pretax return on assets | 1.6803% | 1,245 |
| Return on Equity (ROE) | 12.5432% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.1271% | 1,342 |
| Net charge-offs to loans | 0.0208% | 2,995 |
| Credit loss provision to net charge-offs | 594.4056% | 523 |
| Earnings coverage of net charge-offs (x) | 113.3566% | 611 |
| Efficiency ratio | 58.6815% | 3,883 |
| Assets per employee ($millions) | 5.7974% | 1,794 |
| Cash dividends to net income (ytd only)* | 43.1801% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,648 |
| Loan loss allowance to noncurrent loans | 165.4112% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 2,499 |
| Noncurrent loans to loans | 0.5866% | 2,424 |
| Net loans and leases to total assets | 72.7133% | 1,963 |
| Net loans and leases to deposits | 89.9888% | 1,593 |
| Net loans and leases to core deposits | 96.6210% | 1,844 |
| Total domestic deposits to total assets | 80.8025% | 3,809 |
| Equity capital to assets | 10.0773% | 3,852 |
| Core capital (leverage) ratio | 10.1655% | 3,337 |
| Tier 1 risk-based capital ratio | 13.1404% | 3,716 |
| Total risk-based capital ratio | 14.0882% | 3,764 |
| Memoranda: | ||
| Average total assets | $926,594,400 | 848 |
| Average earning assets | $871,485,200 | 829 |
| Average equity | $94,162,200 | 941 |
| Average total loans | $686,220,000 | 822 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 2,588 |
| Cost of funding earning assets | 0.9107% | 2,183 |
| Net interest margin | 3.7331% | 2,812 |
| Noninterest income to average assets | 0.7496% | 1,597 |
| Noninterest expense to average assets | 2.4889% | 3,469 |
| Loan and lease loss provision to assets | 0.1020% | 1,883 |
| Net operating income to assets | 1.2709% | 1,948 |
| Return on assets (ROA) | 1.2869% | 1,983 |
| Pretax return on assets | 1.6945% | 1,348 |
| Return on Equity (ROE) | 12.6353% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.6299% | 855 |
| Net charge-offs to loans | 0.0257% | 2,582 |
| Credit loss provision to net charge-offs | 534.3511% | 597 |
| Earnings coverage of net charge-offs (x) | 93.0318% | 787 |
| Efficiency ratio | 58.3262% | 3,889 |
| Assets per employee ($millions) | 5.6475% | 1,893 |
| Cash dividends to net income (ytd only)* | 23.7852% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,712 |
| Loan loss allowance to noncurrent loans | 165.1129% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,546 |
| Noncurrent loans to loans | 0.5898% | 2,514 |
| Net loans and leases to total assets | 72.8964% | 2,020 |
| Net loans and leases to deposits | 93.6230% | 1,256 |
| Net loans and leases to core deposits | 101.1745% | 1,569 |
| Total domestic deposits to total assets | 77.8617% | 4,370 |
| Equity capital to assets | 10.3271% | 3,695 |
| Core capital (leverage) ratio | 10.4110% | 3,183 |
| Tier 1 risk-based capital ratio | 13.5367% | 3,550 |
| Total risk-based capital ratio | 14.4941% | 3,623 |
| Memoranda: | ||
| Average total assets | $914,753,750 | 863 |
| Average earning assets | $861,467,250 | 842 |
| Average equity | $93,165,500 | 951 |
| Average total loans | $678,991,250 | 832 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 2,558 |
| Cost of funding earning assets | 0.9024% | 2,128 |
| Net interest margin | 3.7343% | 2,818 |
| Noninterest income to average assets | 0.7328% | 1,588 |
| Noninterest expense to average assets | 2.5413% | 3,351 |
| Loan and lease loss provision to assets | 0.1218% | 1,537 |
| Net operating income to assets | 1.2132% | 2,098 |
| Return on assets (ROA) | 1.2375% | 2,071 |
| Pretax return on assets | 1.6203% | 1,485 |
| Return on Equity (ROE) | 12.2105% | 1,502 |
| Retained earnings to average equity (ytd only) | 7.6234% | 1,549 |
| Net charge-offs to loans | 0.0351% | 2,165 |
| Credit loss provision to net charge-offs | 466.1017% | 635 |
| Earnings coverage of net charge-offs (x) | 65.5085% | 940 |
| Efficiency ratio | 59.7324% | 3,773 |
| Assets per employee ($millions) | 5.3945% | 2,052 |
| Cash dividends to net income (ytd only)* | 37.5671% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,768 |
| Loan loss allowance to noncurrent loans | 258.6957% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,323 |
| Noncurrent loans to loans | 0.3761% | 3,177 |
| Net loans and leases to total assets | 75.2923% | 1,670 |
| Net loans and leases to deposits | 94.2840% | 1,228 |
| Net loans and leases to core deposits | 103.4786% | 1,430 |
| Total domestic deposits to total assets | 79.8569% | 4,065 |
| Equity capital to assets | 10.4443% | 3,567 |
| Core capital (leverage) ratio | 10.3781% | 3,212 |
| Tier 1 risk-based capital ratio | 13.3427% | 3,663 |
| Total risk-based capital ratio | 14.3037% | 3,715 |
| Memoranda: | ||
| Average total assets | $903,413,000 | 868 |
| Average earning assets | $851,501,000 | 847 |
| Average equity | $91,560,330 | 961 |
| Average total loans | $672,513,330 | 841 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 2,638 |
| Cost of funding earning assets | 0.9002% | 2,001 |
| Net interest margin | 3.6692% | 3,010 |
| Noninterest income to average assets | 0.9360% | 952 |
| Noninterest expense to average assets | 2.5662% | 3,311 |
| Loan and lease loss provision to assets | 0.1769% | 947 |
| Net operating income to assets | 1.2662% | 1,826 |
| Return on assets (ROA) | 1.2725% | 1,852 |
| Pretax return on assets | 1.6558% | 1,322 |
| Return on Equity (ROE) | 12.7493% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.7493% | 501 |
| Net charge-offs to loans | 0.0750% | 1,317 |
| Credit loss provision to net charge-offs | 320.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 33.0160% | 1,272 |
| Efficiency ratio | 58.4131% | 4,022 |
| Assets per employee ($millions) | 5.3498% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,845 |
| Loan loss allowance to noncurrent loans | 127.3386% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 2,316 |
| Noncurrent loans to loans | 0.7655% | 2,114 |
| Net loans and leases to total assets | 73.9858% | 1,807 |
| Net loans and leases to deposits | 92.0430% | 1,395 |
| Net loans and leases to core deposits | 102.0564% | 1,460 |
| Total domestic deposits to total assets | 80.3818% | 4,098 |
| Equity capital to assets | 10.3560% | 3,466 |
| Core capital (leverage) ratio | 10.2841% | 3,293 |
| Tier 1 risk-based capital ratio | 13.5435% | 3,582 |
| Total risk-based capital ratio | 14.4993% | 3,647 |
| Memoranda: | ||
| Average total assets | $904,677,000 | 867 |
| Average earning assets | $851,838,000 | 851 |
| Average equity | $90,295,000 | 964 |
| Average total loans | $666,289,500 | 847 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,982 |
| Cost of funding earning assets | 0.7215% | 1,947 |
| Net interest margin | 3.6130% | 3,333 |
| Noninterest income to average assets | 0.7477% | 1,652 |
| Noninterest expense to average assets | 2.5226% | 3,546 |
| Loan and lease loss provision to assets | 0.0149% | 3,850 |
| Net operating income to assets | 1.2280% | 2,055 |
| Return on assets (ROA) | 1.2280% | 2,049 |
| Pretax return on assets | 1.6063% | 1,453 |
| Return on Equity (ROE) | 12.7183% | 1,459 |
| Retained earnings to average equity (ytd only) | 8.4552% | 1,062 |
| Net charge-offs to loans | 0.0466% | 2,501 |
| Credit loss provision to net charge-offs | 43.9189% | 3,244 |
| Earnings coverage of net charge-offs (x) | 47.8986% | 1,164 |
| Efficiency ratio | 60.8389% | 3,721 |
| Assets per employee ($millions) | 5.5850% | 1,879 |
| Cash dividends to net income (ytd only)* | 33.5196% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 4,010 |
| Loan loss allowance to noncurrent loans | 166.8541% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 2,880 |
| Noncurrent loans to loans | 0.5616% | 2,589 |
| Net loans and leases to total assets | 71.9305% | 2,270 |
| Net loans and leases to deposits | 90.2802% | 1,759 |
| Net loans and leases to core deposits | 100.6199% | 1,674 |
| Total domestic deposits to total assets | 79.6747% | 4,178 |
| Equity capital to assets | 9.6151% | 4,032 |
| Core capital (leverage) ratio | 10.1014% | 3,459 |
| Tier 1 risk-based capital ratio | 12.9453% | 3,878 |
| Total risk-based capital ratio | 13.8497% | 3,956 |
| Memoranda: | ||
| Average total assets | $874,579,200 | 874 |
| Average earning assets | $822,064,400 | 855 |
| Average equity | $84,445,000 | 987 |
| Average total loans | $635,208,200 | 852 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 3,014 |
| Cost of funding earning assets | 0.6826% | 1,963 |
| Net interest margin | 3.6046% | 3,347 |
| Noninterest income to average assets | 0.7421% | 1,706 |
| Noninterest expense to average assets | 2.4938% | 3,616 |
| Loan and lease loss provision to assets | 0.0108% | 3,782 |
| Net operating income to assets | 1.2461% | 2,062 |
| Return on assets (ROA) | 1.2461% | 2,068 |
| Pretax return on assets | 1.6288% | 1,493 |
| Return on Equity (ROE) | 12.8910% | 1,475 |
| Retained earnings to average equity (ytd only) | 9.8586% | 965 |
| Net charge-offs to loans | 0.0397% | 2,294 |
| Credit loss provision to net charge-offs | 37.4332% | 2,923 |
| Earnings coverage of net charge-offs (x) | 56.8336% | 1,089 |
| Efficiency ratio | 60.2919% | 3,779 |
| Assets per employee ($millions) | 5.3851% | 2,030 |
| Cash dividends to net income (ytd only)* | 23.5236% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,911 |
| Loan loss allowance to noncurrent loans | 187.5187% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 2,951 |
| Noncurrent loans to loans | 0.5208% | 2,824 |
| Net loans and leases to total assets | 72.0948% | 2,317 |
| Net loans and leases to deposits | 88.4835% | 2,090 |
| Net loans and leases to core deposits | 100.3001% | 1,765 |
| Total domestic deposits to total assets | 81.4782% | 3,745 |
| Equity capital to assets | 9.7278% | 3,892 |
| Core capital (leverage) ratio | 10.0062% | 3,625 |
| Tier 1 risk-based capital ratio | 13.2837% | 3,734 |
| Total risk-based capital ratio | 14.2296% | 3,826 |
| Memoranda: | ||
| Average total assets | $864,239,500 | 878 |
| Average earning assets | $813,132,250 | 861 |
| Average equity | $83,539,250 | 994 |
| Average total loans | $627,742,500 | 861 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 3,097 |
| Cost of funding earning assets | 0.6130% | 2,147 |
| Net interest margin | 3.5926% | 3,350 |
| Noninterest income to average assets | 0.7399% | 1,687 |
| Noninterest expense to average assets | 2.4953% | 3,646 |
| Loan and lease loss provision to assets | 0.0140% | 3,595 |
| Net operating income to assets | 1.2376% | 2,032 |
| Return on assets (ROA) | 1.2376% | 2,027 |
| Pretax return on assets | 1.6134% | 1,459 |
| Return on Equity (ROE) | 12.8317% | 1,427 |
| Retained earnings to average equity (ytd only) | 8.2394% | 1,526 |
| Net charge-offs to loans | 0.0912% | 1,432 |
| Credit loss provision to net charge-offs | 21.1268% | 2,683 |
| Earnings coverage of net charge-offs (x) | 24.5810% | 1,672 |
| Efficiency ratio | 60.4806% | 3,868 |
| Assets per employee ($millions) | 5.4774% | 1,901 |
| Cash dividends to net income (ytd only)* | 35.7883% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 4,023 |
| Loan loss allowance to noncurrent loans | 193.9365% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 2,955 |
| Noncurrent loans to loans | 0.4987% | 2,929 |
| Net loans and leases to total assets | 71.6688% | 2,329 |
| Net loans and leases to deposits | 88.6520% | 2,024 |
| Net loans and leases to core deposits | 100.5781% | 1,686 |
| Total domestic deposits to total assets | 80.8428% | 4,044 |
| Equity capital to assets | 9.4964% | 4,108 |
| Core capital (leverage) ratio | 10.0977% | 3,482 |
| Tier 1 risk-based capital ratio | 13.0265% | 3,878 |
| Total risk-based capital ratio | 13.9683% | 3,959 |
| Memoranda: | ||
| Average total assets | $857,932,670 | 887 |
| Average earning assets | $807,824,670 | 871 |
| Average equity | $82,748,330 | 1,001 |
| Average total loans | $622,659,330 | 868 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,229 |
| Cost of funding earning assets | 0.5893% | 2,119 |
| Net interest margin | 3.5129% | 3,490 |
| Noninterest income to average assets | 0.7518% | 1,616 |
| Noninterest expense to average assets | 2.5651% | 3,439 |
| Loan and lease loss provision to assets | 0.0142% | 3,345 |
| Net operating income to assets | 1.1547% | 2,193 |
| Return on assets (ROA) | 1.1547% | 2,210 |
| Pretax return on assets | 1.4790% | 1,729 |
| Return on Equity (ROE) | 11.8761% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.8761% | 703 |
| Net charge-offs to loans | 0.0267% | 1,963 |
| Credit loss provision to net charge-offs | 73.1707% | 1,802 |
| Earnings coverage of net charge-offs (x) | 77.0244% | 723 |
| Efficiency ratio | 63.1481% | 3,609 |
| Assets per employee ($millions) | 5.3775% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,718 |
| Loan loss allowance to noncurrent loans | 145.0931% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,683 |
| Noncurrent loans to loans | 0.7177% | 2,419 |
| Net loans and leases to total assets | 71.8866% | 2,189 |
| Net loans and leases to deposits | 87.2439% | 2,024 |
| Net loans and leases to core deposits | 97.6278% | 1,860 |
| Total domestic deposits to total assets | 82.3973% | 3,841 |
| Equity capital to assets | 9.8273% | 3,768 |
| Core capital (leverage) ratio | 10.0298% | 3,499 |
| Tier 1 risk-based capital ratio | 13.4687% | 3,671 |
| Total risk-based capital ratio | 14.4883% | 3,723 |
| Memoranda: | ||
| Average total assets | $845,964,500 | 899 |
| Average earning assets | $796,258,000 | 887 |
| Average equity | $82,249,500 | 1,011 |
| Average total loans | $614,890,000 | 876 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,124 |
| Cost of funding earning assets | 0.5115% | 2,239 |
| Net interest margin | 3.5697% | 3,268 |
| Noninterest income to average assets | 0.7191% | 1,889 |
| Noninterest expense to average assets | 2.4664% | 3,890 |
| Loan and lease loss provision to assets | 0.0459% | 3,322 |
| Net operating income to assets | 0.8906% | 2,771 |
| Return on assets (ROA) | 0.8909% | 2,792 |
| Pretax return on assets | 1.5525% | 1,446 |
| Return on Equity (ROE) | 9.3772% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.4900% | 1,282 |
| Net charge-offs to loans | 0.0115% | 3,685 |
| Credit loss provision to net charge-offs | 550.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 191.4143% | 411 |
| Efficiency ratio | 60.6162% | 4,168 |
| Assets per employee ($millions) | 5.3991% | 2,050 |
| Cash dividends to net income (ytd only)* | 30.7898% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,695 |
| Loan loss allowance to noncurrent loans | 140.6154% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 2,655 |
| Noncurrent loans to loans | 0.7381% | 2,362 |
| Net loans and leases to total assets | 71.9721% | 2,243 |
| Net loans and leases to deposits | 86.4768% | 2,199 |
| Net loans and leases to core deposits | 95.9953% | 2,019 |
| Total domestic deposits to total assets | 83.2270% | 3,487 |
| Equity capital to assets | 9.6183% | 4,126 |
| Core capital (leverage) ratio | 9.8698% | 3,616 |
| Tier 1 risk-based capital ratio | 13.0951% | 3,851 |
| Total risk-based capital ratio | 14.1187% | 3,885 |
| Memoranda: | ||
| Average total assets | $838,507,600 | 891 |
| Average earning assets | $785,790,600 | 878 |
| Average equity | $79,661,400 | 1,010 |
| Average total loans | $608,720,400 | 855 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,230 |
| Cost of funding earning assets | 0.5020% | 2,243 |
| Net interest margin | 3.5327% | 3,381 |
| Noninterest income to average assets | 0.7258% | 1,880 |
| Noninterest expense to average assets | 2.4443% | 3,902 |
| Loan and lease loss provision to assets | 0.0446% | 3,206 |
| Net operating income to assets | 1.0315% | 2,406 |
| Return on assets (ROA) | 1.0319% | 2,443 |
| Pretax return on assets | 1.5479% | 1,587 |
| Return on Equity (ROE) | 10.8961% | 1,743 |
| Retained earnings to average equity (ytd only) | 8.8758% | 889 |
| Net charge-offs to loans | -0.0026% | 4,352 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4883% | 4,132 |
| Assets per employee ($millions) | 5.4982% | 1,925 |
| Cash dividends to net income (ytd only)* | 18.5414% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,890 |
| Loan loss allowance to noncurrent loans | 89.8014% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 1,949 |
| Noncurrent loans to loans | 1.1503% | 1,667 |
| Net loans and leases to total assets | 72.1347% | 2,237 |
| Net loans and leases to deposits | 88.2802% | 2,015 |
| Net loans and leases to core deposits | 100.1308% | 1,696 |
| Total domestic deposits to total assets | 81.7111% | 3,866 |
| Equity capital to assets | 9.6995% | 4,243 |
| Core capital (leverage) ratio | 9.7764% | 3,847 |
| Tier 1 risk-based capital ratio | 13.1566% | 3,904 |
| Total risk-based capital ratio | 14.1826% | 3,970 |
| Memoranda: | ||
| Average total assets | $836,220,500 | 894 |
| Average earning assets | $783,586,250 | 880 |
| Average equity | $79,194,250 | 1,017 |
| Average total loans | $606,782,000 | 867 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,122 |
| Cost of funding earning assets | 0.4834% | 2,300 |
| Net interest margin | 3.5407% | 3,253 |
| Noninterest income to average assets | 0.7313% | 1,854 |
| Noninterest expense to average assets | 2.4736% | 3,837 |
| Loan and lease loss provision to assets | 0.0420% | 3,158 |
| Net operating income to assets | 1.0311% | 2,289 |
| Return on assets (ROA) | 1.0318% | 2,326 |
| Pretax return on assets | 1.5254% | 1,556 |
| Return on Equity (ROE) | 10.9849% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.9165% | 1,199 |
| Net charge-offs to loans | -0.0096% | 4,513 |
| Credit loss provision to net charge-offs | -603.4483% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1498% | 4,144 |
| Assets per employee ($millions) | 5.3249% | 2,030 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,931 |
| Loan loss allowance to noncurrent loans | 160.1375% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 3,071 |
| Noncurrent loans to loans | 0.6464% | 2,796 |
| Net loans and leases to total assets | 70.9989% | 2,375 |
| Net loans and leases to deposits | 86.0156% | 2,221 |
| Net loans and leases to core deposits | 97.7620% | 1,830 |
| Total domestic deposits to total assets | 82.5419% | 3,709 |
| Equity capital to assets | 9.4494% | 4,456 |
| Core capital (leverage) ratio | 9.6435% | 3,969 |
| Tier 1 risk-based capital ratio | 12.9564% | 4,025 |
| Total risk-based capital ratio | 13.9806% | 4,073 |
| Memoranda: | ||
| Average total assets | $832,718,330 | 907 |
| Average earning assets | $778,157,330 | 894 |
| Average equity | $78,216,330 | 1,030 |
| Average total loans | $603,323,000 | 876 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,131 |
| Cost of funding earning assets | 0.4695% | 2,350 |
| Net interest margin | 3.5047% | 3,256 |
| Noninterest income to average assets | 0.6704% | 2,088 |
| Noninterest expense to average assets | 2.4971% | 3,813 |
| Loan and lease loss provision to assets | 0.0339% | 3,107 |
| Net operating income to assets | 0.9921% | 2,340 |
| Return on assets (ROA) | 0.9921% | 2,393 |
| Pretax return on assets | 1.4193% | 1,826 |
| Return on Equity (ROE) | 10.5946% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.5946% | 676 |
| Net charge-offs to loans | -0.0060% | 4,235 |
| Credit loss provision to net charge-offs | -777.7778% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1147% | 3,970 |
| Assets per employee ($millions) | 5.4579% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,211 |
| Loan loss allowance to noncurrent loans | 155.6061% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 3,130 |
| Noncurrent loans to loans | 0.6496% | 2,875 |
| Net loans and leases to total assets | 73.2163% | 1,872 |
| Net loans and leases to deposits | 89.5242% | 1,592 |
| Net loans and leases to core deposits | 101.3218% | 1,419 |
| Total domestic deposits to total assets | 81.7839% | 4,222 |
| Equity capital to assets | 9.5372% | 4,245 |
| Core capital (leverage) ratio | 9.6510% | 3,923 |
| Tier 1 risk-based capital ratio | 13.0631% | 4,042 |
| Total risk-based capital ratio | 14.0881% | 4,077 |
| Memoranda: | ||
| Average total assets | $825,748,500 | 918 |
| Average earning assets | $772,793,000 | 903 |
| Average equity | $77,322,500 | 1,041 |
| Average total loans | $601,282,000 | 878 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,384 |
| Cost of funding earning assets | 0.4670% | 2,384 |
| Net interest margin | 3.4829% | 3,501 |
| Noninterest income to average assets | 0.8725% | 1,506 |
| Noninterest expense to average assets | 2.5009% | 4,007 |
| Loan and lease loss provision to assets | 0.0069% | 4,222 |
| Net operating income to assets | 1.1022% | 1,899 |
| Return on assets (ROA) | 1.1022% | 1,985 |
| Pretax return on assets | 1.6280% | 1,194 |
| Return on Equity (ROE) | 11.7065% | 1,337 |
| Retained earnings to average equity (ytd only) | 5.8272% | 1,805 |
| Net charge-offs to loans | 0.0561% | 2,927 |
| Credit loss provision to net charge-offs | 17.0807% | 3,697 |
| Earnings coverage of net charge-offs (x) | 40.3571% | 1,168 |
| Efficiency ratio | 60.3504% | 4,525 |
| Assets per employee ($millions) | 5.5157% | 1,854 |
| Cash dividends to net income (ytd only)* | 50.2226% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,161 |
| Loan loss allowance to noncurrent loans | 159.8686% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 3,243 |
| Noncurrent loans to loans | 0.6417% | 2,929 |
| Net loans and leases to total assets | 70.9384% | 2,343 |
| Net loans and leases to deposits | 84.9862% | 2,311 |
| Net loans and leases to core deposits | 94.7129% | 2,040 |
| Total domestic deposits to total assets | 83.4705% | 3,605 |
| Equity capital to assets | 9.1914% | 4,590 |
| Core capital (leverage) ratio | 9.5223% | 4,053 |
| Tier 1 risk-based capital ratio | 12.9741% | 4,096 |
| Total risk-based capital ratio | 14.0101% | 4,118 |
| Memoranda: | ||
| Average total assets | $794,846,200 | 911 |
| Average earning assets | $744,717,400 | 897 |
| Average equity | $74,839,000 | 1,064 |
| Average total loans | $573,660,400 | 866 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9334% | 3,482 |
| Cost of funding earning assets | 0.4686% | 2,379 |
| Net interest margin | 3.4648% | 3,612 |
| Noninterest income to average assets | 0.8840% | 1,461 |
| Noninterest expense to average assets | 2.4806% | 4,042 |
| Loan and lease loss provision to assets | 0.0771% | 2,683 |
| Net operating income to assets | 1.0819% | 2,078 |
| Return on assets (ROA) | 1.0819% | 2,179 |
| Pretax return on assets | 1.5815% | 1,431 |
| Return on Equity (ROE) | 11.4195% | 1,517 |
| Retained earnings to average equity (ytd only) | 5.8743% | 2,257 |
| Net charge-offs to loans | 0.0642% | 2,430 |
| Credit loss provision to net charge-offs | 166.0584% | 1,668 |
| Earnings coverage of net charge-offs (x) | 35.7194% | 1,328 |
| Efficiency ratio | 59.8059% | 4,567 |
| Assets per employee ($millions) | 5.5349% | 1,822 |
| Cash dividends to net income (ytd only)* | 48.5589% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,829 |
| Loan loss allowance to noncurrent loans | 181.4671% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 3,170 |
| Noncurrent loans to loans | 0.6065% | 3,198 |
| Net loans and leases to total assets | 72.6194% | 2,088 |
| Net loans and leases to deposits | 89.2376% | 1,850 |
| Net loans and leases to core deposits | 100.2540% | 1,610 |
| Total domestic deposits to total assets | 81.3776% | 4,141 |
| Equity capital to assets | 9.4999% | 4,660 |
| Core capital (leverage) ratio | 9.4660% | 4,223 |
| Tier 1 risk-based capital ratio | 12.6712% | 4,356 |
| Total risk-based capital ratio | 13.7746% | 4,361 |
| Memoranda: | ||
| Average total assets | $786,719,500 | 918 |
| Average earning assets | $739,152,750 | 899 |
| Average equity | $74,537,500 | 1,071 |
| Average total loans | $568,827,000 | 871 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 3,556 |
| Cost of funding earning assets | 0.4577% | 2,496 |
| Net interest margin | 3.4580% | 3,650 |
| Noninterest income to average assets | 0.8502% | 1,545 |
| Noninterest expense to average assets | 2.5280% | 3,962 |
| Loan and lease loss provision to assets | 0.0667% | 2,808 |
| Net operating income to assets | 1.0472% | 2,199 |
| Return on assets (ROA) | 1.0472% | 2,322 |
| Pretax return on assets | 1.5023% | 1,668 |
| Return on Equity (ROE) | 11.0633% | 1,615 |
| Retained earnings to average equity (ytd only) | 2.6615% | 4,203 |
| Net charge-offs to loans | 0.0674% | 2,226 |
| Credit loss provision to net charge-offs | 137.5661% | 1,700 |
| Earnings coverage of net charge-offs (x) | 32.3598% | 1,341 |
| Efficiency ratio | 61.5654% | 4,414 |
| Assets per employee ($millions) | 5.4475% | 1,845 |
| Cash dividends to net income (ytd only)* | 75.9432% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,917 |
| Loan loss allowance to noncurrent loans | 162.1874% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 3,032 |
| Noncurrent loans to loans | 0.6816% | 3,027 |
| Net loans and leases to total assets | 72.7204% | 2,050 |
| Net loans and leases to deposits | 89.0043% | 1,867 |
| Net loans and leases to core deposits | 101.3997% | 1,518 |
| Total domestic deposits to total assets | 81.7044% | 4,088 |
| Equity capital to assets | 9.3918% | 4,876 |
| Core capital (leverage) ratio | 9.4641% | 4,248 |
| Tier 1 risk-based capital ratio | 12.4455% | 4,561 |
| Total risk-based capital ratio | 13.5480% | 4,569 |
| Memoranda: | ||
| Average total assets | $779,592,670 | 925 |
| Average earning assets | $731,994,000 | 906 |
| Average equity | $73,793,670 | 1,081 |
| Average total loans | $560,646,670 | 879 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 3,553 |
| Cost of funding earning assets | 0.4543% | 2,534 |
| Net interest margin | 3.4563% | 3,641 |
| Noninterest income to average assets | 0.7908% | 1,661 |
| Noninterest expense to average assets | 2.5247% | 3,999 |
| Loan and lease loss provision to assets | 0.0336% | 3,210 |
| Net operating income to assets | 0.9953% | 2,302 |
| Return on assets (ROA) | 0.9953% | 2,418 |
| Pretax return on assets | 1.4741% | 1,675 |
| Return on Equity (ROE) | 10.4731% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.4731% | 748 |
| Net charge-offs to loans | 0.1315% | 1,315 |
| Credit loss provision to net charge-offs | 35.9116% | 2,174 |
| Earnings coverage of net charge-offs (x) | 16.1271% | 1,637 |
| Efficiency ratio | 62.4312% | 4,382 |
| Assets per employee ($millions) | 5.2029% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,970 |
| Loan loss allowance to noncurrent loans | 135.3746% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 2,732 |
| Noncurrent loans to loans | 0.8232% | 2,782 |
| Net loans and leases to total assets | 72.3297% | 1,979 |
| Net loans and leases to deposits | 86.2140% | 2,041 |
| Net loans and leases to core deposits | 98.2370% | 1,618 |
| Total domestic deposits to total assets | 83.8956% | 3,559 |
| Equity capital to assets | 9.7927% | 4,349 |
| Core capital (leverage) ratio | 9.6881% | 3,929 |
| Tier 1 risk-based capital ratio | 13.0355% | 4,246 |
| Total risk-based capital ratio | 14.1415% | 4,248 |
| Memoranda: | ||
| Average total assets | $774,442,500 | 930 |
| Average earning assets | $726,325,000 | 911 |
| Average equity | $73,598,000 | 1,079 |
| Average total loans | $550,553,000 | 894 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 3,325 |
| Cost of funding earning assets | 0.4556% | 2,571 |
| Net interest margin | 3.5402% | 3,374 |
| Noninterest income to average assets | 0.8059% | 1,769 |
| Noninterest expense to average assets | 2.5893% | 3,963 |
| Loan and lease loss provision to assets | -0.0704% | 5,787 |
| Net operating income to assets | 1.0759% | 2,022 |
| Return on assets (ROA) | 1.0759% | 2,094 |
| Pretax return on assets | 1.6010% | 1,245 |
| Return on Equity (ROE) | 11.2699% | 1,525 |
| Retained earnings to average equity (ytd only) | 3.4764% | 3,583 |
| Net charge-offs to loans | -0.0868% | 5,736 |
| Credit loss provision to net charge-offs | 112.5265% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6399% | 4,508 |
| Assets per employee ($millions) | 5.4829% | 1,824 |
| Cash dividends to net income (ytd only)* | 69.1529% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,632 |
| Loan loss allowance to noncurrent loans | 119.4507% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 2,534 |
| Noncurrent loans to loans | 0.9814% | 2,376 |
| Net loans and leases to total assets | 68.2762% | 2,662 |
| Net loans and leases to deposits | 79.8125% | 2,839 |
| Net loans and leases to core deposits | 90.5251% | 2,364 |
| Total domestic deposits to total assets | 85.5457% | 2,843 |
| Equity capital to assets | 9.2211% | 4,880 |
| Core capital (leverage) ratio | 9.3760% | 4,360 |
| Tier 1 risk-based capital ratio | 13.1088% | 4,236 |
| Total risk-based capital ratio | 14.2743% | 4,206 |
| Memoranda: | ||
| Average total assets | $752,678,000 | 916 |
| Average earning assets | $704,559,400 | 909 |
| Average equity | $71,855,400 | 1,060 |
| Average total loans | $542,492,000 | 864 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 3,321 |
| Cost of funding earning assets | 0.4555% | 2,633 |
| Net interest margin | 3.5484% | 3,346 |
| Noninterest income to average assets | 0.8268% | 1,697 |
| Noninterest expense to average assets | 2.6312% | 3,766 |
| Loan and lease loss provision to assets | -0.1325% | 6,044 |
| Net operating income to assets | 1.1063% | 1,979 |
| Return on assets (ROA) | 1.1063% | 2,057 |
| Pretax return on assets | 1.6501% | 1,245 |
| Return on Equity (ROE) | 11.4849% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.2814% | 2,072 |
| Net charge-offs to loans | -0.2437% | 6,042 |
| Credit loss provision to net charge-offs | 74.5968% | 2,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2006% | 4,379 |
| Assets per employee ($millions) | 5.3792% | 1,881 |
| Cash dividends to net income (ytd only)* | 45.3075% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 3,674 |
| Loan loss allowance to noncurrent loans | 92.5139% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 2,206 |
| Noncurrent loans to loans | 1.2950% | 1,973 |
| Net loans and leases to total assets | 72.4278% | 1,994 |
| Net loans and leases to deposits | 85.3968% | 2,220 |
| Net loans and leases to core deposits | 97.7760% | 1,717 |
| Total domestic deposits to total assets | 84.8133% | 3,092 |
| Equity capital to assets | 9.7125% | 4,503 |
| Core capital (leverage) ratio | 9.5907% | 4,182 |
| Tier 1 risk-based capital ratio | 12.9729% | 4,438 |
| Total risk-based capital ratio | 14.1680% | 4,396 |
| Memoranda: | ||
| Average total assets | $744,833,000 | 933 |
| Average earning assets | $697,308,250 | 924 |
| Average equity | $71,744,500 | 1,067 |
| Average total loans | $542,696,250 | 872 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,288 |
| Cost of funding earning assets | 0.4503% | 2,725 |
| Net interest margin | 3.5490% | 3,295 |
| Noninterest income to average assets | 0.8116% | 1,729 |
| Noninterest expense to average assets | 2.5598% | 4,042 |
| Loan and lease loss provision to assets | 0.0756% | 2,602 |
| Net operating income to assets | 1.0101% | 2,339 |
| Return on assets (ROA) | 1.0101% | 2,450 |
| Pretax return on assets | 1.4932% | 1,667 |
| Return on Equity (ROE) | 10.5170% | 1,843 |
| Retained earnings to average equity (ytd only) | 2.6412% | 4,374 |
| Net charge-offs to loans | 0.0509% | 2,694 |
| Credit loss provision to net charge-offs | 204.3796% | 1,210 |
| Earnings coverage of net charge-offs (x) | 42.3869% | 1,090 |
| Efficiency ratio | 61.7589% | 4,711 |
| Assets per employee ($millions) | 5.0441% | 2,219 |
| Cash dividends to net income (ytd only)* | 74.8863% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 3,809 |
| Loan loss allowance to noncurrent loans | 83.7209% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 2,047 |
| Noncurrent loans to loans | 1.4303% | 1,870 |
| Net loans and leases to total assets | 72.4144% | 1,912 |
| Net loans and leases to deposits | 86.4696% | 2,008 |
| Net loans and leases to core deposits | 99.6415% | 1,521 |
| Total domestic deposits to total assets | 83.7455% | 3,672 |
| Equity capital to assets | 9.4841% | 4,673 |
| Core capital (leverage) ratio | 9.4961% | 4,289 |
| Tier 1 risk-based capital ratio | 12.5833% | 4,753 |
| Total risk-based capital ratio | 13.7756% | 4,706 |
| Memoranda: | ||
| Average total assets | $740,289,330 | 940 |
| Average earning assets | $691,909,330 | 928 |
| Average equity | $71,104,000 | 1,080 |
| Average total loans | $538,261,670 | 880 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,543 |
| Cost of funding earning assets | 0.4542% | 2,730 |
| Net interest margin | 3.4602% | 3,584 |
| Noninterest income to average assets | 0.7976% | 1,717 |
| Noninterest expense to average assets | 2.5476% | 4,109 |
| Loan and lease loss provision to assets | 0.0760% | 2,432 |
| Net operating income to assets | 0.9561% | 2,473 |
| Return on assets (ROA) | 0.9561% | 2,608 |
| Pretax return on assets | 1.4027% | 1,880 |
| Return on Equity (ROE) | 9.8912% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.8912% | 953 |
| Net charge-offs to loans | 0.0734% | 1,978 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 27.8061% | 1,194 |
| Efficiency ratio | 62.9650% | 4,629 |
| Assets per employee ($millions) | 5.1791% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,957 |
| Loan loss allowance to noncurrent loans | 79.0467% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 2,056 |
| Noncurrent loans to loans | 1.5239% | 1,849 |
| Net loans and leases to total assets | 71.4398% | 1,908 |
| Net loans and leases to deposits | 88.3785% | 1,576 |
| Net loans and leases to core deposits | 99.0158% | 1,393 |
| Total domestic deposits to total assets | 80.8339% | 4,856 |
| Equity capital to assets | 9.7688% | 4,415 |
| Core capital (leverage) ratio | 9.7535% | 3,953 |
| Tier 1 risk-based capital ratio | 12.9448% | 4,633 |
| Total risk-based capital ratio | 14.1290% | 4,588 |
| Memoranda: | ||
| Average total assets | $737,168,000 | 944 |
| Average earning assets | $687,816,000 | 933 |
| Average equity | $71,255,000 | 1,080 |
| Average total loans | $533,818,000 | 882 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,377 |
| Cost of funding earning assets | 0.5948% | 1,807 |
| Net interest margin | 3.4917% | 3,828 |
| Noninterest income to average assets | 0.7816% | 1,944 |
| Noninterest expense to average assets | 2.5604% | 4,359 |
| Loan and lease loss provision to assets | 0.0779% | 2,919 |
| Net operating income to assets | 0.9505% | 2,630 |
| Return on assets (ROA) | 0.9507% | 2,709 |
| Pretax return on assets | 1.3901% | 1,917 |
| Return on Equity (ROE) | 9.9099% | 2,157 |
| Retained earnings to average equity (ytd only) | 4.2521% | 3,161 |
| Net charge-offs to loans | 0.1787% | 2,240 |
| Credit loss provision to net charge-offs | 59.9572% | 3,288 |
| Earnings coverage of net charge-offs (x) | 11.2901% | 2,510 |
| Efficiency ratio | 63.3254% | 4,698 |
| Assets per employee ($millions) | 5.1309% | 2,152 |
| Cash dividends to net income (ytd only)* | 57.0927% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 3,972 |
| Loan loss allowance to noncurrent loans | 76.5528% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 2,041 |
| Noncurrent loans to loans | 1.5734% | 1,858 |
| Net loans and leases to total assets | 71.6461% | 1,960 |
| Net loans and leases to deposits | 83.8917% | 2,228 |
| Net loans and leases to core deposits | 93.3469% | 1,962 |
| Total domestic deposits to total assets | 85.4031% | 3,122 |
| Equity capital to assets | 9.5623% | 4,635 |
| Core capital (leverage) ratio | 9.4422% | 4,317 |
| Tier 1 risk-based capital ratio | 13.2008% | 4,586 |
| Total risk-based capital ratio | 14.4454% | 4,519 |
| Memoranda: | ||
| Average total assets | $718,489,200 | 936 |
| Average earning assets | $668,004,800 | 923 |
| Average equity | $68,931,400 | 1,067 |
| Average total loans | $522,678,800 | 850 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 3,465 |
| Cost of funding earning assets | 0.6237% | 1,651 |
| Net interest margin | 3.4545% | 4,000 |
| Noninterest income to average assets | 0.7729% | 2,004 |
| Noninterest expense to average assets | 2.5676% | 4,298 |
| Loan and lease loss provision to assets | 0.0784% | 2,777 |
| Net operating income to assets | 0.9216% | 2,814 |
| Return on assets (ROA) | 0.9216% | 2,909 |
| Pretax return on assets | 1.3415% | 2,229 |
| Return on Equity (ROE) | 9.5980% | 2,404 |
| Retained earnings to average equity (ytd only) | 6.8779% | 1,885 |
| Net charge-offs to loans | 0.1996% | 1,865 |
| Credit loss provision to net charge-offs | 53.9153% | 3,046 |
| Earnings coverage of net charge-offs (x) | 9.7702% | 2,624 |
| Efficiency ratio | 64.1761% | 4,510 |
| Assets per employee ($millions) | 5.1737% | 2,044 |
| Cash dividends to net income (ytd only)* | 28.3401% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 4,291 |
| Loan loss allowance to noncurrent loans | 75.2665% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 2,198 |
| Noncurrent loans to loans | 1.5791% | 2,063 |
| Net loans and leases to total assets | 73.2142% | 1,644 |
| Net loans and leases to deposits | 88.4547% | 1,617 |
| Net loans and leases to core deposits | 99.4874% | 1,416 |
| Total domestic deposits to total assets | 82.7702% | 4,217 |
| Equity capital to assets | 9.6631% | 4,596 |
| Core capital (leverage) ratio | 9.5667% | 4,285 |
| Tier 1 risk-based capital ratio | 13.0679% | 4,819 |
| Total risk-based capital ratio | 14.2960% | 4,763 |
| Memoranda: | ||
| Average total assets | $714,681,000 | 948 |
| Average earning assets | $665,050,750 | 933 |
| Average equity | $68,624,000 | 1,071 |
| Average total loans | $520,325,500 | 857 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 3,533 |
| Cost of funding earning assets | 0.6496% | 1,518 |
| Net interest margin | 3.4020% | 4,160 |
| Noninterest income to average assets | 0.7541% | 2,028 |
| Noninterest expense to average assets | 2.5863% | 4,287 |
| Loan and lease loss provision to assets | 0.0789% | 2,711 |
| Net operating income to assets | 0.8640% | 2,989 |
| Return on assets (ROA) | 0.8640% | 3,084 |
| Pretax return on assets | 1.2472% | 2,469 |
| Return on Equity (ROE) | 9.0174% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.8999% | 3,024 |
| Net charge-offs to loans | 0.0522% | 3,222 |
| Credit loss provision to net charge-offs | 208.9552% | 1,121 |
| Earnings coverage of net charge-offs (x) | 35.1194% | 1,154 |
| Efficiency ratio | 65.9392% | 4,376 |
| Assets per employee ($millions) | 5.4157% | 1,773 |
| Cash dividends to net income (ytd only)* | 45.6621% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 3,802 |
| Loan loss allowance to noncurrent loans | 71.9373% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 2,172 |
| Noncurrent loans to loans | 1.8216% | 1,885 |
| Net loans and leases to total assets | 71.9065% | 1,763 |
| Net loans and leases to deposits | 86.7216% | 1,747 |
| Net loans and leases to core deposits | 98.1562% | 1,432 |
| Total domestic deposits to total assets | 82.9164% | 4,335 |
| Equity capital to assets | 9.4790% | 4,770 |
| Core capital (leverage) ratio | 9.4446% | 4,401 |
| Tier 1 risk-based capital ratio | 13.0584% | 4,875 |
| Total risk-based capital ratio | 14.2925% | 4,812 |
| Memoranda: | ||
| Average total assets | $709,745,670 | 949 |
| Average earning assets | $658,913,330 | 941 |
| Average equity | $68,001,670 | 1,077 |
| Average total loans | $513,596,670 | 862 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,656 |
| Cost of funding earning assets | 0.6746% | 1,407 |
| Net interest margin | 3.3314% | 4,414 |
| Noninterest income to average assets | 0.7518% | 1,953 |
| Noninterest expense to average assets | 2.4937% | 4,643 |
| Loan and lease loss provision to assets | 0.0798% | 2,549 |
| Net operating income to assets | 0.8875% | 2,717 |
| Return on assets (ROA) | 0.8875% | 2,780 |
| Pretax return on assets | 1.2773% | 2,185 |
| Return on Equity (ROE) | 9.2119% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.2119% | 1,190 |
| Net charge-offs to loans | 0.0324% | 2,942 |
| Credit loss provision to net charge-offs | 341.4634% | 724 |
| Earnings coverage of net charge-offs (x) | 58.0732% | 668 |
| Efficiency ratio | 64.7573% | 4,736 |
| Assets per employee ($millions) | 5.2890% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 3,658 |
| Loan loss allowance to noncurrent loans | 94.7803% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 2,709 |
| Noncurrent loans to loans | 1.4662% | 2,592 |
| Net loans and leases to total assets | 70.4816% | 1,801 |
| Net loans and leases to deposits | 85.7610% | 1,630 |
| Net loans and leases to core deposits | 97.6809% | 1,259 |
| Total domestic deposits to total assets | 82.1837% | 4,888 |
| Equity capital to assets | 9.8742% | 3,987 |
| Core capital (leverage) ratio | 9.7090% | 3,986 |
| Tier 1 risk-based capital ratio | 13.9656% | 4,356 |
| Total risk-based capital ratio | 15.2179% | 4,293 |
| Memoranda: | ||
| Average total assets | $701,769,500 | 968 |
| Average earning assets | $652,825,500 | 953 |
| Average equity | $67,608,000 | 1,085 |
| Average total loans | $506,018,500 | 873 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 3,181 |
| Cost of funding earning assets | 0.7578% | 1,455 |
| Net interest margin | 3.4844% | 3,964 |
| Noninterest income to average assets | 0.7553% | 2,266 |
| Noninterest expense to average assets | 2.4026% | 5,065 |
| Loan and lease loss provision to assets | 0.5729% | 449 |
| Net operating income to assets | 0.7411% | 3,603 |
| Return on assets (ROA) | 0.7423% | 3,686 |
| Pretax return on assets | 1.0214% | 3,262 |
| Return on Equity (ROE) | 7.7343% | 3,178 |
| Retained earnings to average equity (ytd only) | 1.7871% | 4,960 |
| Net charge-offs to loans | 0.9173% | 663 |
| Credit loss provision to net charge-offs | 86.1034% | 2,872 |
| Earnings coverage of net charge-offs (x) | 2.3935% | 4,208 |
| Efficiency ratio | 60.1364% | 5,450 |
| Assets per employee ($millions) | 5.4250% | 1,732 |
| Cash dividends to net income (ytd only)* | 76.8935% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,081 |
| Loan loss allowance to noncurrent loans | 92.4114% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 2,861 |
| Noncurrent loans to loans | 1.4202% | 2,758 |
| Net loans and leases to total assets | 71.7671% | 1,721 |
| Net loans and leases to deposits | 87.8314% | 1,482 |
| Net loans and leases to core deposits | 100.1709% | 1,144 |
| Total domestic deposits to total assets | 81.7100% | 4,966 |
| Equity capital to assets | 9.3997% | 4,543 |
| Core capital (leverage) ratio | 9.3870% | 4,426 |
| Tier 1 risk-based capital ratio | 13.1009% | 4,912 |
| Total risk-based capital ratio | 14.3524% | 4,860 |
| Memoranda: | ||
| Average total assets | $700,774,600 | 943 |
| Average earning assets | $651,625,400 | 927 |
| Average equity | $67,258,600 | 1,068 |
| Average total loans | $508,315,800 | 838 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 3,158 |
| Cost of funding earning assets | 0.7617% | 1,533 |
| Net interest margin | 3.4973% | 3,896 |
| Noninterest income to average assets | 0.7857% | 2,223 |
| Noninterest expense to average assets | 2.3619% | 5,146 |
| Loan and lease loss provision to assets | 0.7666% | 263 |
| Net operating income to assets | 0.6763% | 3,976 |
| Return on assets (ROA) | 0.6780% | 4,110 |
| Pretax return on assets | 0.9092% | 3,842 |
| Return on Equity (ROE) | 7.0274% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.4757% | 4,841 |
| Net charge-offs to loans | 1.1379% | 489 |
| Credit loss provision to net charge-offs | 92.9398% | 2,558 |
| Earnings coverage of net charge-offs (x) | 2.0289% | 4,154 |
| Efficiency ratio | 58.5285% | 5,622 |
| Assets per employee ($millions) | 5.3005% | 1,845 |
| Cash dividends to net income (ytd only)* | 64.7705% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,091 |
| Loan loss allowance to noncurrent loans | 101.2791% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 3,185 |
| Noncurrent loans to loans | 1.3406% | 3,179 |
| Net loans and leases to total assets | 73.4358% | 1,378 |
| Net loans and leases to deposits | 93.1406% | 891 |
| Net loans and leases to core deposits | 108.2068% | 658 |
| Total domestic deposits to total assets | 78.8441% | 5,774 |
| Equity capital to assets | 9.5120% | 4,542 |
| Core capital (leverage) ratio | 9.5103% | 4,390 |
| Tier 1 risk-based capital ratio | 13.0255% | 5,104 |
| Total risk-based capital ratio | 14.2777% | 5,056 |
| Memoranda: | ||
| Average total assets | $698,299,750 | 953 |
| Average earning assets | $648,869,750 | 937 |
| Average equity | $67,373,000 | 1,069 |
| Average total loans | $506,191,500 | 839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 3,160 |
| Cost of funding earning assets | 0.7706% | 1,581 |
| Net interest margin | 3.4781% | 3,881 |
| Noninterest income to average assets | 0.8131% | 2,133 |
| Noninterest expense to average assets | 2.4443% | 4,918 |
| Loan and lease loss provision to assets | 0.1939% | 1,958 |
| Net operating income to assets | 0.9837% | 2,397 |
| Return on assets (ROA) | 0.9861% | 2,531 |
| Pretax return on assets | 1.4113% | 1,888 |
| Return on Equity (ROE) | 10.1721% | 2,134 |
| Retained earnings to average equity (ytd only) | 3.3551% | 4,181 |
| Net charge-offs to loans | 0.1864% | 2,629 |
| Credit loss provision to net charge-offs | 144.8498% | 1,577 |
| Earnings coverage of net charge-offs (x) | 11.9635% | 2,018 |
| Efficiency ratio | 60.4105% | 5,421 |
| Assets per employee ($millions) | 5.2110% | 1,878 |
| Cash dividends to net income (ytd only)* | 67.0163% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 3,640 |
| Loan loss allowance to noncurrent loans | 109.0338% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 3,337 |
| Noncurrent loans to loans | 1.3643% | 3,279 |
| Net loans and leases to total assets | 73.0058% | 1,400 |
| Net loans and leases to deposits | 94.6570% | 766 |
| Net loans and leases to core deposits | 109.1656% | 594 |
| Total domestic deposits to total assets | 77.1267% | 6,108 |
| Equity capital to assets | 9.7087% | 4,300 |
| Core capital (leverage) ratio | 9.6287% | 4,036 |
| Tier 1 risk-based capital ratio | 13.1030% | 5,068 |
| Total risk-based capital ratio | 14.3565% | 5,009 |
| Memoranda: | ||
| Average total assets | $696,078,000 | 956 |
| Average earning assets | $647,023,000 | 935 |
| Average equity | $67,478,670 | 1,068 |
| Average total loans | $499,981,000 | 844 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,245 |
| Cost of funding earning assets | 0.7760% | 1,668 |
| Net interest margin | 3.4380% | 3,972 |
| Noninterest income to average assets | 0.8137% | 2,077 |
| Noninterest expense to average assets | 2.4370% | 4,991 |
| Loan and lease loss provision to assets | 0.1852% | 1,992 |
| Net operating income to assets | 0.9933% | 2,250 |
| Return on assets (ROA) | 0.9983% | 2,348 |
| Pretax return on assets | 1.3917% | 1,887 |
| Return on Equity (ROE) | 10.3057% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.3057% | 1,033 |
| Net charge-offs to loans | 0.2595% | 1,918 |
| Credit loss provision to net charge-offs | 100.9375% | 1,807 |
| Earnings coverage of net charge-offs (x) | 8.5563% | 1,932 |
| Efficiency ratio | 60.8185% | 5,474 |
| Assets per employee ($millions) | 5.1846% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 3,883 |
| Loan loss allowance to noncurrent loans | 101.1566% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3401% | 3,280 |
| Noncurrent loans to loans | 1.4697% | 3,355 |
| Net loans and leases to total assets | 71.9771% | 1,353 |
| Net loans and leases to deposits | 92.6238% | 757 |
| Net loans and leases to core deposits | 106.5876% | 622 |
| Total domestic deposits to total assets | 77.7091% | 6,157 |
| Equity capital to assets | 9.9906% | 4,163 |
| Core capital (leverage) ratio | 9.6996% | 3,792 |
| Tier 1 risk-based capital ratio | 13.3871% | 4,946 |
| Total risk-based capital ratio | 14.6400% | 4,899 |
| Memoranda: | ||
| Average total assets | $697,586,500 | 960 |
| Average earning assets | $647,942,000 | 939 |
| Average equity | $67,574,500 | 1,078 |
| Average total loans | $493,164,000 | 857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 2,362 |
| Cost of funding earning assets | 1.0535% | 1,107 |
| Net interest margin | 3.7059% | 3,619 |
| Noninterest income to average assets | 0.9635% | 1,650 |
| Noninterest expense to average assets | 2.7122% | 4,357 |
| Loan and lease loss provision to assets | 0.1238% | 4,069 |
| Net operating income to assets | 1.0883% | 1,978 |
| Return on assets (ROA) | 1.0883% | 2,166 |
| Pretax return on assets | 1.5561% | 1,501 |
| Return on Equity (ROE) | 11.0425% | 1,792 |
| Retained earnings to average equity (ytd only) | -1.2821% | 6,058 |
| Net charge-offs to loans | 0.2837% | 3,243 |
| Credit loss provision to net charge-offs | 60.6178% | 4,426 |
| Earnings coverage of net charge-offs (x) | 8.2239% | 2,448 |
| Efficiency ratio | 61.7512% | 5,272 |
| Assets per employee ($millions) | 5.4260% | 1,759 |
| Cash dividends to net income (ytd only)* | 111.6104% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,626 |
| Loan loss allowance to noncurrent loans | 96.3189% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 3,410 |
| Noncurrent loans to loans | 1.5864% | 3,244 |
| Net loans and leases to total assets | 67.3707% | 2,300 |
| Net loans and leases to deposits | 84.4386% | 1,707 |
| Net loans and leases to core deposits | 97.0461% | 1,219 |
| Total domestic deposits to total assets | 79.7866% | 5,723 |
| Equity capital to assets | 9.3945% | 5,006 |
| Core capital (leverage) ratio | 9.3516% | 4,334 |
| Tier 1 risk-based capital ratio | 13.1087% | 5,030 |
| Total risk-based capital ratio | 14.3619% | 4,976 |
| Memoranda: | ||
| Average total assets | $633,940,800 | 1,042 |
| Average earning assets | $586,519,000 | 1,030 |
| Average equity | $62,476,800 | 1,138 |
| Average total loans | $456,421,400 | 910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 2,656 |
| Cost of funding earning assets | 1.0962% | 1,074 |
| Net interest margin | 3.6367% | 4,074 |
| Noninterest income to average assets | 0.8023% | 2,230 |
| Noninterest expense to average assets | 2.5986% | 4,748 |
| Loan and lease loss provision to assets | 0.0694% | 4,809 |
| Net operating income to assets | 1.0034% | 2,482 |
| Return on assets (ROA) | 1.0034% | 2,714 |
| Pretax return on assets | 1.5011% | 1,872 |
| Return on Equity (ROE) | 10.0451% | 2,332 |
| Retained earnings to average equity (ytd only) | -3.8521% | 6,540 |
| Net charge-offs to loans | 0.2480% | 3,234 |
| Credit loss provision to net charge-offs | 38.3234% | 4,648 |
| Earnings coverage of net charge-offs (x) | 8.6718% | 2,412 |
| Efficiency ratio | 62.3296% | 5,100 |
| Assets per employee ($millions) | 5.0019% | 2,191 |
| Cash dividends to net income (ytd only)* | 138.3484% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,467 |
| Loan loss allowance to noncurrent loans | 92.1340% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.7848% | 2,936 |
| Noncurrent loans to loans | 1.7507% | 3,155 |
| Net loans and leases to total assets | 72.4480% | 1,479 |
| Net loans and leases to deposits | 92.6200% | 910 |
| Net loans and leases to core deposits | 111.8613% | 501 |
| Total domestic deposits to total assets | 78.2207% | 6,028 |
| Equity capital to assets | 9.6669% | 4,964 |
| Core capital (leverage) ratio | 9.6005% | 4,117 |
| Tier 1 risk-based capital ratio | 12.4921% | 5,651 |
| Total risk-based capital ratio | 13.7463% | 5,609 |
| Memoranda: | ||
| Average total assets | $614,724,250 | 1,084 |
| Average earning assets | $569,106,750 | 1,069 |
| Average equity | $61,401,750 | 1,172 |
| Average total loans | $448,950,000 | 923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 2,565 |
| Cost of funding earning assets | 1.1337% | 1,081 |
| Net interest margin | 3.6525% | 4,025 |
| Noninterest income to average assets | 0.8337% | 2,039 |
| Noninterest expense to average assets | 2.5997% | 4,783 |
| Loan and lease loss provision to assets | 0.1047% | 4,217 |
| Net operating income to assets | 1.0052% | 2,442 |
| Return on assets (ROA) | 1.0052% | 2,660 |
| Pretax return on assets | 1.5049% | 1,835 |
| Return on Equity (ROE) | 9.9543% | 2,371 |
| Retained earnings to average equity (ytd only) | -10.7838% | 6,854 |
| Net charge-offs to loans | 0.2777% | 2,931 |
| Credit loss provision to net charge-offs | 51.7799% | 3,997 |
| Earnings coverage of net charge-offs (x) | 7.9595% | 2,385 |
| Efficiency ratio | 61.7615% | 5,287 |
| Assets per employee ($millions) | 4.8089% | 2,424 |
| Cash dividends to net income (ytd only)* | 208.3333% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 3,162 |
| Loan loss allowance to noncurrent loans | 94.2766% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 2,908 |
| Noncurrent loans to loans | 1.8186% | 3,191 |
| Net loans and leases to total assets | 72.3086% | 1,513 |
| Net loans and leases to deposits | 93.5331% | 813 |
| Net loans and leases to core deposits | 116.1404% | 393 |
| Total domestic deposits to total assets | 77.3081% | 6,277 |
| Equity capital to assets | 9.7240% | 4,725 |
| Core capital (leverage) ratio | 9.4458% | 4,220 |
| Tier 1 risk-based capital ratio | 12.5671% | 5,522 |
| Total risk-based capital ratio | 13.8226% | 5,498 |
| Memoranda: | ||
| Average total assets | $611,220,670 | 1,090 |
| Average earning assets | $564,869,670 | 1,076 |
| Average equity | $61,722,000 | 1,158 |
| Average total loans | $445,134,670 | 935 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 2,580 |
| Cost of funding earning assets | 1.1664% | 1,123 |
| Net interest margin | 3.6465% | 4,059 |
| Noninterest income to average assets | 0.6835% | 2,740 |
| Noninterest expense to average assets | 2.5413% | 5,018 |
| Loan and lease loss provision to assets | 0.1043% | 4,037 |
| Net operating income to assets | 0.9507% | 2,688 |
| Return on assets (ROA) | 0.9507% | 2,899 |
| Pretax return on assets | 1.4094% | 2,170 |
| Return on Equity (ROE) | 9.2454% | 2,712 |
| Retained earnings to average equity (ytd only) | 9.2454% | 1,501 |
| Net charge-offs to loans | 0.3111% | 2,407 |
| Credit loss provision to net charge-offs | 46.2428% | 3,342 |
| Earnings coverage of net charge-offs (x) | 6.7139% | 2,163 |
| Efficiency ratio | 62.6707% | 5,159 |
| Assets per employee ($millions) | 4.8081% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 3,177 |
| Loan loss allowance to noncurrent loans | 96.1086% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.9676% | 2,954 |
| Noncurrent loans to loans | 1.8170% | 3,383 |
| Net loans and leases to total assets | 72.0228% | 1,393 |
| Net loans and leases to deposits | 93.2037% | 718 |
| Net loans and leases to core deposits | 116.4598% | 373 |
| Total domestic deposits to total assets | 77.2747% | 6,356 |
| Equity capital to assets | 10.5359% | 3,448 |
| Core capital (leverage) ratio | 10.1700% | 3,149 |
| Tier 1 risk-based capital ratio | 13.6200% | 4,735 |
| Total risk-based capital ratio | 14.8758% | 4,720 |
| Memoranda: | ||
| Average total assets | $613,868,500 | 1,083 |
| Average earning assets | $567,553,000 | 1,074 |
| Average equity | $63,123,000 | 1,122 |
| Average total loans | $444,812,500 | 934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 2,400 |
| Cost of funding earning assets | 1.3943% | 1,066 |
| Net interest margin | 3.7193% | 4,214 |
| Noninterest income to average assets | 0.7058% | 2,569 |
| Noninterest expense to average assets | 2.4810% | 5,527 |
| Loan and lease loss provision to assets | 0.2276% | 3,920 |
| Net operating income to assets | 0.9679% | 2,332 |
| Return on assets (ROA) | 0.9714% | 2,451 |
| Pretax return on assets | 1.4337% | 1,674 |
| Return on Equity (ROE) | 9.6725% | 2,177 |
| Retained earnings to average equity (ytd only) | 4.9846% | 2,649 |
| Net charge-offs to loans | 0.3179% | 3,800 |
| Credit loss provision to net charge-offs | 98.6515% | 3,640 |
| Earnings coverage of net charge-offs (x) | 7.1774% | 2,385 |
| Efficiency ratio | 59.9691% | 5,763 |
| Assets per employee ($millions) | 5.0154% | 2,182 |
| Cash dividends to net income (ytd only)* | 48.4659% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 2,927 |
| Loan loss allowance to noncurrent loans | 99.5862% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 3,151 |
| Noncurrent loans to loans | 1.7898% | 3,484 |
| Net loans and leases to total assets | 70.3631% | 1,957 |
| Net loans and leases to deposits | 90.3857% | 1,116 |
| Net loans and leases to core deposits | 113.9398% | 503 |
| Total domestic deposits to total assets | 77.8476% | 6,222 |
| Equity capital to assets | 10.0363% | 4,123 |
| Core capital (leverage) ratio | 9.9863% | 3,352 |
| Tier 1 risk-based capital ratio | 13.1317% | 4,967 |
| Total risk-based capital ratio | 14.3877% | 4,940 |
| Memoranda: | ||
| Average total assets | $610,652,200 | 1,067 |
| Average earning assets | $563,356,600 | 1,054 |
| Average equity | $61,328,600 | 1,100 |
| Average total loans | $443,208,800 | 938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 2,449 |
| Cost of funding earning assets | 1.4437% | 1,046 |
| Net interest margin | 3.6916% | 4,381 |
| Noninterest income to average assets | 0.7662% | 2,220 |
| Noninterest expense to average assets | 2.5144% | 5,415 |
| Loan and lease loss provision to assets | 0.2523% | 3,487 |
| Net operating income to assets | 0.9597% | 2,486 |
| Return on assets (ROA) | 0.9597% | 2,654 |
| Pretax return on assets | 1.4087% | 1,921 |
| Return on Equity (ROE) | 9.5538% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.6603% | 2,158 |
| Net charge-offs to loans | 0.3286% | 3,452 |
| Credit loss provision to net charge-offs | 105.4079% | 3,151 |
| Earnings coverage of net charge-offs (x) | 6.9404% | 2,450 |
| Efficiency ratio | 60.2206% | 5,682 |
| Assets per employee ($millions) | 4.8827% | 2,349 |
| Cash dividends to net income (ytd only)* | 30.2857% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,874 |
| Loan loss allowance to noncurrent loans | 99.8755% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 3,136 |
| Noncurrent loans to loans | 1.8204% | 3,613 |
| Net loans and leases to total assets | 70.9494% | 1,909 |
| Net loans and leases to deposits | 93.0133% | 918 |
| Net loans and leases to core deposits | 119.9571% | 385 |
| Total domestic deposits to total assets | 76.2788% | 6,495 |
| Equity capital to assets | 10.2622% | 4,007 |
| Core capital (leverage) ratio | 10.0173% | 3,420 |
| Tier 1 risk-based capital ratio | 13.2420% | 4,917 |
| Total risk-based capital ratio | 14.4985% | 4,888 |
| Memoranda: | ||
| Average total assets | $607,837,500 | 1,084 |
| Average earning assets | $561,338,250 | 1,063 |
| Average equity | $61,056,500 | 1,109 |
| Average total loans | $442,626,750 | 953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 2,509 |
| Cost of funding earning assets | 1.4542% | 1,183 |
| Net interest margin | 3.6868% | 4,327 |
| Noninterest income to average assets | 0.7097% | 2,502 |
| Noninterest expense to average assets | 2.4899% | 5,583 |
| Loan and lease loss provision to assets | 0.2603% | 3,321 |
| Net operating income to assets | 0.9334% | 2,502 |
| Return on assets (ROA) | 0.9334% | 2,606 |
| Pretax return on assets | 1.3644% | 1,903 |
| Return on Equity (ROE) | 9.3605% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.9826% | 3,020 |
| Net charge-offs to loans | 0.4211% | 2,878 |
| Credit loss provision to net charge-offs | 84.6731% | 3,632 |
| Earnings coverage of net charge-offs (x) | 5.2851% | 2,647 |
| Efficiency ratio | 60.5141% | 5,797 |
| Assets per employee ($millions) | 4.7699% | 2,453 |
| Cash dividends to net income (ytd only)* | 46.7702% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 3,140 |
| Loan loss allowance to noncurrent loans | 99.7957% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 2.1501% | 3,049 |
| Noncurrent loans to loans | 1.7567% | 3,813 |
| Net loans and leases to total assets | 72.8885% | 1,617 |
| Net loans and leases to deposits | 97.0932% | 647 |
| Net loans and leases to core deposits | 126.4531% | 309 |
| Total domestic deposits to total assets | 75.0706% | 6,720 |
| Equity capital to assets | 10.1841% | 3,893 |
| Core capital (leverage) ratio | 9.7440% | 3,609 |
| Tier 1 risk-based capital ratio | 12.8838% | 5,016 |
| Total risk-based capital ratio | 14.1398% | 4,984 |
| Memoranda: | ||
| Average total assets | $607,003,670 | 1,091 |
| Average earning assets | $560,594,330 | 1,077 |
| Average equity | $60,530,670 | 1,108 |
| Average total loans | $443,152,000 | 970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 2,714 |
| Cost of funding earning assets | 1.4572% | 1,348 |
| Net interest margin | 3.6281% | 4,443 |
| Noninterest income to average assets | 0.7829% | 2,100 |
| Noninterest expense to average assets | 2.5292% | 5,453 |
| Loan and lease loss provision to assets | 0.2361% | 3,301 |
| Net operating income to assets | 0.9397% | 2,400 |
| Return on assets (ROA) | 0.9397% | 2,463 |
| Pretax return on assets | 1.3711% | 1,808 |
| Return on Equity (ROE) | 9.5228% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.5228% | 1,232 |
| Net charge-offs to loans | 0.8538% | 1,543 |
| Credit loss provision to net charge-offs | 38.1760% | 3,983 |
| Earnings coverage of net charge-offs (x) | 2.5992% | 3,040 |
| Efficiency ratio | 61.1446% | 5,816 |
| Assets per employee ($millions) | 4.8716% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 3,470 |
| Loan loss allowance to noncurrent loans | 97.6698% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 2.1914% | 3,077 |
| Noncurrent loans to loans | 1.7035% | 3,937 |
| Net loans and leases to total assets | 72.7634% | 1,562 |
| Net loans and leases to deposits | 97.8667% | 579 |
| Net loans and leases to core deposits | 125.0999% | 325 |
| Total domestic deposits to total assets | 74.3495% | 6,872 |
| Equity capital to assets | 10.1555% | 3,589 |
| Core capital (leverage) ratio | 9.4740% | 3,855 |
| Tier 1 risk-based capital ratio | 13.0476% | 4,792 |
| Total risk-based capital ratio | 14.3025% | 4,772 |
| Memoranda: | ||
| Average total assets | $610,002,500 | 1,093 |
| Average earning assets | $563,822,000 | 1,080 |
| Average equity | $60,192,500 | 1,107 |
| Average total loans | $441,787,500 | 989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 2,640 |
| Cost of funding earning assets | 1.7166% | 1,517 |
| Net interest margin | 3.6900% | 4,390 |
| Noninterest income to average assets | 0.8219% | 2,181 |
| Noninterest expense to average assets | 2.6330% | 5,282 |
| Loan and lease loss provision to assets | 0.2964% | 4,426 |
| Net operating income to assets | 0.8953% | 2,412 |
| Return on assets (ROA) | 0.8930% | 2,550 |
| Pretax return on assets | 1.2907% | 1,954 |
| Return on Equity (ROE) | 9.3416% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.9800% | 2,418 |
| Net charge-offs to loans | 0.3263% | 4,380 |
| Credit loss provision to net charge-offs | 124.1355% | 3,324 |
| Earnings coverage of net charge-offs (x) | 6.6604% | 2,311 |
| Efficiency ratio | 62.3436% | 5,668 |
| Assets per employee ($millions) | 4.9270% | 2,248 |
| Cash dividends to net income (ytd only)* | 46.6901% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,836 |
| Loan loss allowance to noncurrent loans | 88.0628% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 2.2561% | 3,021 |
| Noncurrent loans to loans | 2.0534% | 3,482 |
| Net loans and leases to total assets | 69.6256% | 2,627 |
| Net loans and leases to deposits | 92.5204% | 1,200 |
| Net loans and leases to core deposits | 116.9701% | 606 |
| Total domestic deposits to total assets | 75.2543% | 6,737 |
| Equity capital to assets | 9.5897% | 4,287 |
| Core capital (leverage) ratio | 9.3669% | 3,900 |
| Tier 1 risk-based capital ratio | 12.6438% | 4,902 |
| Total risk-based capital ratio | 13.9002% | 4,881 |
| Memoranda: | ||
| Average total assets | $605,580,200 | 1,104 |
| Average earning assets | $558,239,400 | 1,088 |
| Average equity | $57,891,800 | 1,149 |
| Average total loans | $443,204,800 | 1,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 2,632 |
| Cost of funding earning assets | 1.7657% | 1,569 |
| Net interest margin | 3.6876% | 4,472 |
| Noninterest income to average assets | 0.8242% | 2,108 |
| Noninterest expense to average assets | 2.6058% | 5,308 |
| Loan and lease loss provision to assets | 0.3445% | 3,855 |
| Net operating income to assets | 0.8749% | 2,713 |
| Return on assets (ROA) | 0.8718% | 2,862 |
| Pretax return on assets | 1.2669% | 2,273 |
| Return on Equity (ROE) | 9.1274% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.3439% | 2,180 |
| Net charge-offs to loans | 0.3499% | 3,907 |
| Credit loss provision to net charge-offs | 133.4764% | 3,025 |
| Earnings coverage of net charge-offs (x) | 6.2601% | 2,559 |
| Efficiency ratio | 61.7246% | 5,661 |
| Assets per employee ($millions) | 4.7970% | 2,453 |
| Cash dividends to net income (ytd only)* | 30.4955% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,717 |
| Loan loss allowance to noncurrent loans | 85.2349% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 2.5249% | 2,843 |
| Noncurrent loans to loans | 2.1371% | 3,530 |
| Net loans and leases to total assets | 71.9180% | 2,266 |
| Net loans and leases to deposits | 95.1823% | 1,084 |
| Net loans and leases to core deposits | 125.0133% | 474 |
| Total domestic deposits to total assets | 75.5581% | 6,727 |
| Equity capital to assets | 9.9588% | 4,209 |
| Core capital (leverage) ratio | 9.4352% | 4,008 |
| Tier 1 risk-based capital ratio | 12.4560% | 5,025 |
| Total risk-based capital ratio | 13.7122% | 4,993 |
| Memoranda: | ||
| Average total assets | $601,775,250 | 1,122 |
| Average earning assets | $554,416,250 | 1,095 |
| Average equity | $57,481,500 | 1,157 |
| Average total loans | $443,957,000 | 1,017 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3835% | 3,045 |
| Cost of funding earning assets | 1.8032% | 1,628 |
| Net interest margin | 3.5803% | 4,900 |
| Noninterest income to average assets | 0.7877% | 2,183 |
| Noninterest expense to average assets | 2.5786% | 5,412 |
| Loan and lease loss provision to assets | 0.3469% | 3,646 |
| Net operating income to assets | 0.8163% | 2,896 |
| Return on assets (ROA) | 0.8116% | 3,066 |
| Pretax return on assets | 1.1506% | 2,587 |
| Return on Equity (ROE) | 8.6187% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.3887% | 3,284 |
| Net charge-offs to loans | 0.4449% | 3,200 |
| Credit loss provision to net charge-offs | 105.4490% | 3,860 |
| Earnings coverage of net charge-offs (x) | 4.5721% | 2,911 |
| Efficiency ratio | 63.1596% | 5,490 |
| Assets per employee ($millions) | 4.7251% | 2,544 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 3,051 |
| Loan loss allowance to noncurrent loans | 79.7275% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 2.6389% | 2,735 |
| Noncurrent loans to loans | 2.1395% | 3,541 |
| Net loans and leases to total assets | 73.6055% | 2,002 |
| Net loans and leases to deposits | 96.7130% | 985 |
| Net loans and leases to core deposits | 125.9681% | 513 |
| Total domestic deposits to total assets | 76.1072% | 6,670 |
| Equity capital to assets | 9.5549% | 4,627 |
| Core capital (leverage) ratio | 9.2430% | 4,226 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,634 |
| Total risk-based capital ratio | 12.8983% | 5,590 |
| Memoranda: | ||
| Average total assets | $602,493,000 | 1,125 |
| Average earning assets | $554,473,000 | 1,101 |
| Average equity | $56,737,000 | 1,164 |
| Average total loans | $445,530,330 | 1,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 3,658 |
| Cost of funding earning assets | 1.8541% | 1,640 |
| Net interest margin | 3.4225% | 5,490 |
| Noninterest income to average assets | 0.7169% | 2,490 |
| Noninterest expense to average assets | 2.5887% | 5,397 |
| Loan and lease loss provision to assets | 0.3048% | 3,601 |
| Net operating income to assets | 0.7023% | 3,433 |
| Return on assets (ROA) | 0.7023% | 3,545 |
| Pretax return on assets | 0.9740% | 3,192 |
| Return on Equity (ROE) | 7.5129% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.5129% | 1,919 |
| Net charge-offs to loans | 0.3805% | 2,910 |
| Credit loss provision to net charge-offs | 109.0047% | 3,157 |
| Earnings coverage of net charge-offs (x) | 4.5735% | 2,601 |
| Efficiency ratio | 66.9351% | 4,931 |
| Assets per employee ($millions) | 4.6938% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,960 |
| Loan loss allowance to noncurrent loans | 68.3435% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.6927% | 2,706 |
| Noncurrent loans to loans | 2.5322% | 3,136 |
| Net loans and leases to total assets | 72.2922% | 2,389 |
| Net loans and leases to deposits | 94.5285% | 1,288 |
| Net loans and leases to core deposits | 103.4851% | 1,784 |
| Total domestic deposits to total assets | 76.4766% | 6,667 |
| Equity capital to assets | 9.4928% | 4,544 |
| Core capital (leverage) ratio | 9.1013% | 4,372 |
| Tier 1 risk-based capital ratio | 11.3172% | 5,840 |
| Total risk-based capital ratio | 12.5712% | 5,805 |
| Memoranda: | ||
| Average total assets | $603,693,500 | 1,143 |
| Average earning assets | $555,732,500 | 1,122 |
| Average equity | $56,436,500 | 1,175 |
| Average total loans | $443,612,500 | 1,053 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 3,724 |
| Cost of funding earning assets | 2.1614% | 2,180 |
| Net interest margin | 3.4145% | 5,313 |
| Noninterest income to average assets | 0.7070% | 2,917 |
| Noninterest expense to average assets | 2.4816% | 6,201 |
| Loan and lease loss provision to assets | 0.6346% | 3,265 |
| Net operating income to assets | 0.5616% | 3,478 |
| Return on assets (ROA) | 0.6278% | 3,287 |
| Pretax return on assets | 0.8429% | 3,103 |
| Return on Equity (ROE) | 7.1517% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.3413% | 2,830 |
| Net charge-offs to loans | 0.3682% | 4,379 |
| Credit loss provision to net charge-offs | 229.8137% | 1,604 |
| Earnings coverage of net charge-offs (x) | 5.0267% | 2,711 |
| Efficiency ratio | 64.1284% | 5,755 |
| Assets per employee ($millions) | 4.6660% | 2,666 |
| Cash dividends to net income (ytd only)* | 53.2787% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,871 |
| Loan loss allowance to noncurrent loans | 57.2342% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 2.8148% | 2,490 |
| Noncurrent loans to loans | 2.9867% | 2,573 |
| Net loans and leases to total assets | 72.1469% | 2,722 |
| Net loans and leases to deposits | 95.1461% | 1,438 |
| Net loans and leases to core deposits | 106.4055% | 3,289 |
| Total domestic deposits to total assets | 75.8275% | 6,711 |
| Equity capital to assets | 9.2056% | 4,838 |
| Core capital (leverage) ratio | 9.1587% | 4,185 |
| Tier 1 risk-based capital ratio | 11.0498% | 5,878 |
| Total risk-based capital ratio | 12.3036% | 5,834 |
| Memoranda: | ||
| Average total assets | $583,017,400 | 1,178 |
| Average earning assets | $540,016,400 | 1,169 |
| Average equity | $51,177,000 | 1,307 |
| Average total loans | $437,249,800 | 1,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 3,944 |
| Cost of funding earning assets | 2.2407% | 2,227 |
| Net interest margin | 3.3454% | 5,461 |
| Noninterest income to average assets | 0.9266% | 1,877 |
| Noninterest expense to average assets | 2.5792% | 5,785 |
| Loan and lease loss provision to assets | 0.4852% | 3,475 |
| Net operating income to assets | 0.7042% | 3,190 |
| Return on assets (ROA) | 0.7042% | 3,251 |
| Pretax return on assets | 0.9708% | 2,990 |
| Return on Equity (ROE) | 8.1260% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.5266% | 2,190 |
| Net charge-offs to loans | 0.2512% | 4,479 |
| Credit loss provision to net charge-offs | 256.0976% | 1,671 |
| Earnings coverage of net charge-offs (x) | 7.6853% | 2,369 |
| Efficiency ratio | 63.9185% | 5,770 |
| Assets per employee ($millions) | 4.5100% | 2,845 |
| Cash dividends to net income (ytd only)* | 31.9882% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,216 |
| Loan loss allowance to noncurrent loans | 74.7034% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.7131% | 2,563 |
| Noncurrent loans to loans | 2.0660% | 3,542 |
| Net loans and leases to total assets | 73.9974% | 2,519 |
| Net loans and leases to deposits | 97.8056% | 1,349 |
| Net loans and leases to core deposits | 109.5144% | 3,293 |
| Total domestic deposits to total assets | 75.6576% | 6,649 |
| Equity capital to assets | 9.7064% | 4,486 |
| Core capital (leverage) ratio | 9.2391% | 4,279 |
| Tier 1 risk-based capital ratio | 11.2304% | 5,713 |
| Total risk-based capital ratio | 12.4842% | 5,658 |
| Memoranda: | ||
| Average total assets | $577,125,250 | 1,210 |
| Average earning assets | $536,246,000 | 1,196 |
| Average equity | $50,011,250 | 1,368 |
| Average total loans | $435,251,250 | 1,122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 3,981 |
| Cost of funding earning assets | 2.2886% | 2,397 |
| Net interest margin | 3.3288% | 5,445 |
| Noninterest income to average assets | 0.9793% | 1,662 |
| Noninterest expense to average assets | 2.5924% | 5,770 |
| Loan and lease loss provision to assets | 0.4529% | 3,271 |
| Net operating income to assets | 0.7438% | 3,075 |
| Return on assets (ROA) | 0.7438% | 3,179 |
| Pretax return on assets | 1.0312% | 2,881 |
| Return on Equity (ROE) | 8.9495% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.8625% | 2,584 |
| Net charge-offs to loans | 0.1500% | 4,691 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 13.1077% | 1,763 |
| Efficiency ratio | 63.5929% | 5,986 |
| Assets per employee ($millions) | 4.4389% | 2,859 |
| Cash dividends to net income (ytd only)* | 45.6674% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 3,333 |
| Loan loss allowance to noncurrent loans | 50.1273% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4053% | 2,693 |
| Noncurrent loans to loans | 2.9398% | 2,448 |
| Net loans and leases to total assets | 74.6895% | 2,520 |
| Net loans and leases to deposits | 98.7928% | 1,424 |
| Net loans and leases to core deposits | 109.9703% | 3,372 |
| Total domestic deposits to total assets | 75.6021% | 6,634 |
| Equity capital to assets | 8.2509% | 6,413 |
| Core capital (leverage) ratio | 8.0637% | 6,226 |
| Tier 1 risk-based capital ratio | 9.6835% | 7,245 |
| Total risk-based capital ratio | 10.9347% | 7,186 |
| Memoranda: | ||
| Average total assets | $574,065,000 | 1,233 |
| Average earning assets | $534,128,670 | 1,210 |
| Average equity | $47,712,000 | 1,442 |
| Average total loans | $433,451,000 | 1,151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6581% | 4,009 |
| Cost of funding earning assets | 2.3540% | 2,493 |
| Net interest margin | 3.3041% | 5,484 |
| Noninterest income to average assets | 0.9622% | 1,597 |
| Noninterest expense to average assets | 2.4378% | 6,063 |
| Loan and lease loss provision to assets | 0.4909% | 2,510 |
| Net operating income to assets | 0.7876% | 3,180 |
| Return on assets (ROA) | 0.7876% | 3,345 |
| Pretax return on assets | 1.1039% | 2,974 |
| Return on Equity (ROE) | 9.4412% | 2,557 |
| Retained earnings to average equity (ytd only) | 9.4412% | 1,356 |
| Net charge-offs to loans | 0.1452% | 3,802 |
| Credit loss provision to net charge-offs | 448.7179% | 1,182 |
| Earnings coverage of net charge-offs (x) | 14.5769% | 1,658 |
| Efficiency ratio | 60.4522% | 6,329 |
| Assets per employee ($millions) | 4.4566% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 3,428 |
| Loan loss allowance to noncurrent loans | 53.4832% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.0920% | 2,760 |
| Noncurrent loans to loans | 2.6425% | 2,487 |
| Net loans and leases to total assets | 74.1648% | 2,713 |
| Net loans and leases to deposits | 98.0714% | 1,657 |
| Net loans and leases to core deposits | 110.3296% | 3,390 |
| Total domestic deposits to total assets | 75.6233% | 6,583 |
| Equity capital to assets | 8.4805% | 6,107 |
| Core capital (leverage) ratio | 8.1454% | 6,194 |
| Tier 1 risk-based capital ratio | 9.6087% | 7,332 |
| Total risk-based capital ratio | 10.8587% | 7,269 |
| Memoranda: | ||
| Average total assets | $570,347,000 | 1,247 |
| Average earning assets | $530,001,500 | 1,222 |
| Average equity | $47,578,500 | 1,445 |
| Average total loans | $429,768,500 | 1,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0658% | 5,225 |
| Cost of funding earning assets | 2.9803% | 1,935 |
| Net interest margin | 3.0854% | 6,691 |
| Noninterest income to average assets | 0.7623% | 2,712 |
| Noninterest expense to average assets | 2.3791% | 6,470 |
| Loan and lease loss provision to assets | 0.1615% | 5,315 |
| Net operating income to assets | 0.8291% | 3,314 |
| Return on assets (ROA) | 0.6880% | 3,783 |
| Pretax return on assets | 0.8851% | 3,772 |
| Return on Equity (ROE) | 8.3711% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.0404% | 2,004 |
| Net charge-offs to loans | 0.0523% | 6,041 |
| Credit loss provision to net charge-offs | 413.5514% | 1,054 |
| Earnings coverage of net charge-offs (x) | 31.4299% | 1,134 |
| Efficiency ratio | 65.9650% | 5,134 |
| Assets per employee ($millions) | 4.5258% | 2,575 |
| Cash dividends to net income (ytd only)* | 39.7878% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 3,908 |
| Loan loss allowance to noncurrent loans | 52.1341% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.9485% | 2,523 |
| Noncurrent loans to loans | 2.4605% | 2,222 |
| Net loans and leases to total assets | 74.5081% | 2,989 |
| Net loans and leases to deposits | 99.1045% | 1,974 |
| Net loans and leases to core deposits | 111.8214% | 3,582 |
| Total domestic deposits to total assets | 75.1813% | 6,412 |
| Equity capital to assets | 8.2035% | 6,545 |
| Core capital (leverage) ratio | 8.0771% | 6,361 |
| Tier 1 risk-based capital ratio | 9.3560% | 7,453 |
| Total risk-based capital ratio | 10.4980% | 7,512 |
| Memoranda: | ||
| Average total assets | $547,943,200 | 1,243 |
| Average earning assets | $505,114,200 | 1,219 |
| Average equity | $45,035,800 | 1,500 |
| Average total loans | $408,905,600 | 1,178 |