Home > Peoples State Bank of Plainview > Performance and Condition Ratios
Peoples State Bank of Plainview, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 3,040 |
| Cost of funding earning assets | 1.7873% | 1,267 |
| Net interest margin | 2.7462% | 3,757 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.2867% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8034% | 2,864 |
| Return on assets (ROA) | 0.8034% | 2,839 |
| Pretax return on assets | 0.8349% | 3,127 |
| Return on Equity (ROE) | 16.6200% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.3086% | 1,788 |
| Net charge-offs to loans | 0.0104% | 2,256 |
| Credit loss provision to net charge-offs | 41.6667% | 2,229 |
| Earnings coverage of net charge-offs (x) | 123.8750% | 807 |
| Efficiency ratio | 70.7882% | 1,783 |
| Assets per employee ($millions) | 8.0535% | 1,405 |
| Cash dividends to net income (ytd only)* | 56.0154% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 2,991 |
| Loan loss allowance to noncurrent loans | 311.6481% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 2,109 |
| Noncurrent loans to loans | 0.3426% | 1,954 |
| Net loans and leases to total assets | 64.3100% | 2,433 |
| Net loans and leases to deposits | 73.3754% | 2,663 |
| Net loans and leases to core deposits | 76.7658% | 2,928 |
| Total domestic deposits to total assets | 87.6400% | 1,474 |
| Equity capital to assets | 5.5121% | 4,333 |
| Core capital (leverage) ratio | 8.8217% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2733% | 1,771 |
| Memoranda: | ||
| Average total assets | $354,884,600 | 2,179 |
| Average earning assets | $334,358,000 | 2,157 |
| Average equity | $17,157,800 | 3,077 |
| Average total loans | $229,970,400 | 2,103 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 3,014 |
| Cost of funding earning assets | 1.6894% | 1,212 |
| Net interest margin | 2.7555% | 3,795 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.3047% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8309% | 2,929 |
| Return on assets (ROA) | 0.8309% | 2,912 |
| Pretax return on assets | 0.8468% | 3,224 |
| Return on Equity (ROE) | 17.8300% | 970 |
| Retained earnings to average equity (ytd only) | 4.8865% | 2,970 |
| Net charge-offs to loans | 0.0128% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 101.9091% | 909 |
| Efficiency ratio | 70.6975% | 1,706 |
| Assets per employee ($millions) | 7.8832% | 1,409 |
| Cash dividends to net income (ytd only)* | 72.5909% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 2,954 |
| Loan loss allowance to noncurrent loans | 349.1643% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,257 |
| Noncurrent loans to loans | 0.3098% | 2,126 |
| Net loans and leases to total assets | 64.6200% | 2,375 |
| Net loans and leases to deposits | 72.7803% | 2,666 |
| Net loans and leases to core deposits | 75.9638% | 2,868 |
| Total domestic deposits to total assets | 88.7900% | 1,320 |
| Equity capital to assets | 4.2757% | 4,372 |
| Core capital (leverage) ratio | 8.5027% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1335% | 1,843 |
| Memoranda: | ||
| Average total assets | $353,004,250 | 2,190 |
| Average earning assets | $332,174,500 | 2,175 |
| Average equity | $16,453,250 | 3,127 |
| Average total loans | $228,570,000 | 2,106 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 3,130 |
| Cost of funding earning assets | 1.5165% | 1,213 |
| Net interest margin | 2.7636% | 3,884 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.3023% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8058% | 3,064 |
| Return on assets (ROA) | 0.8058% | 3,072 |
| Pretax return on assets | 0.8166% | 3,367 |
| Return on Equity (ROE) | 16.8200% | 1,132 |
| Retained earnings to average equity (ytd only) | -2.0969% | 4,294 |
| Net charge-offs to loans | 0.0193% | 1,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 65.4091% | 1,145 |
| Efficiency ratio | 71.2882% | 1,634 |
| Assets per employee ($millions) | 7.9656% | 1,337 |
| Cash dividends to net income (ytd only)* | 112.4648% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,078 |
| Loan loss allowance to noncurrent loans | 418.5309% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,387 |
| Noncurrent loans to loans | 0.2562% | 2,240 |
| Net loans and leases to total assets | 64.5300% | 2,332 |
| Net loans and leases to deposits | 73.1479% | 2,570 |
| Net loans and leases to core deposits | 75.9713% | 2,762 |
| Total domestic deposits to total assets | 88.2200% | 1,523 |
| Equity capital to assets | 4.7560% | 4,412 |
| Core capital (leverage) ratio | 8.4529% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5908% | 2,063 |
| Memoranda: | ||
| Average total assets | $352,423,667 | 2,194 |
| Average earning assets | $331,156,667 | 2,183 |
| Average equity | $16,881,667 | 3,114 |
| Average total loans | $227,511,333 | 2,111 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,284 |
| Cost of funding earning assets | 1.2851% | 1,264 |
| Net interest margin | 2.7964% | 3,949 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.3079% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8208% | 3,133 |
| Return on assets (ROA) | 0.8208% | 3,082 |
| Pretax return on assets | 0.8208% | 3,421 |
| Return on Equity (ROE) | 17.0700% | 1,162 |
| Retained earnings to average equity (ytd only) | -15.0966% | 4,551 |
| Net charge-offs to loans | 0.0374% | 986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 34.1429% | 1,254 |
| Efficiency ratio | 71.2404% | 1,607 |
| Assets per employee ($millions) | 7.7502% | 1,488 |
| Cash dividends to net income (ytd only)* | 188.4240% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,017 |
| Loan loss allowance to noncurrent loans | 400.6390% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,254 |
| Noncurrent loans to loans | 0.2765% | 2,157 |
| Net loans and leases to total assets | 64.2000% | 2,232 |
| Net loans and leases to deposits | 72.5175% | 2,427 |
| Net loans and leases to core deposits | 74.3002% | 2,653 |
| Total domestic deposits to total assets | 88.5300% | 1,723 |
| Equity capital to assets | 4.7809% | 4,450 |
| Core capital (leverage) ratio | 8.4664% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8223% | 2,039 |
| Memoranda: | ||
| Average total assets | $349,410,000 | 2,239 |
| Average earning assets | $328,996,000 | 2,220 |
| Average equity | $16,798,500 | 3,145 |
| Average total loans | $224,360,500 | 2,142 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 2,773 |
| Cost of funding earning assets | 0.5504% | 1,105 |
| Net interest margin | 3.0606% | 3,287 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.2907% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0360% | 2,435 |
| Return on assets (ROA) | 1.0129% | 2,466 |
| Pretax return on assets | 1.1263% | 2,683 |
| Return on Equity (ROE) | 17.3600% | 802 |
| Retained earnings to average equity (ytd only) | 3.7470% | 3,482 |
| Net charge-offs to loans | -0.0477% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.2085% | 2,465 |
| Assets per employee ($millions) | 7.7791% | 1,446 |
| Cash dividends to net income (ytd only)* | 78.4107% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,707 |
| Loan loss allowance to noncurrent loans | 469.2022% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,460 |
| Noncurrent loans to loans | 0.2425% | 2,309 |
| Net loans and leases to total assets | 62.7800% | 2,351 |
| Net loans and leases to deposits | 70.6996% | 2,522 |
| Net loans and leases to core deposits | 71.8711% | 2,734 |
| Total domestic deposits to total assets | 88.8000% | 1,780 |
| Equity capital to assets | 4.8343% | 4,400 |
| Core capital (leverage) ratio | 8.6519% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1790% | 1,909 |
| Memoranda: | ||
| Average total assets | $346,624,400 | 2,237 |
| Average earning assets | $327,026,400 | 2,211 |
| Average equity | $20,229,400 | 2,935 |
| Average total loans | $207,540,200 | 2,179 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 2,622 |
| Cost of funding earning assets | 0.4769% | 851 |
| Net interest margin | 3.0219% | 3,162 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.2654% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0666% | 2,225 |
| Return on assets (ROA) | 1.0666% | 2,183 |
| Pretax return on assets | 1.1800% | 2,449 |
| Return on Equity (ROE) | 17.5100% | 706 |
| Retained earnings to average equity (ytd only) | 1.7857% | 4,073 |
| Net charge-offs to loans | -0.0275% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4247% | 2,632 |
| Assets per employee ($millions) | 7.7101% | 1,475 |
| Cash dividends to net income (ytd only)* | 89.8048% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,751 |
| Loan loss allowance to noncurrent loans | 454.4118% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,520 |
| Noncurrent loans to loans | 0.2550% | 2,360 |
| Net loans and leases to total assets | 60.7700% | 2,425 |
| Net loans and leases to deposits | 66.0624% | 2,716 |
| Net loans and leases to core deposits | 67.0697% | 2,873 |
| Total domestic deposits to total assets | 91.9800% | 880 |
| Equity capital to assets | 4.4671% | 4,402 |
| Core capital (leverage) ratio | 8.3371% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2282% | 1,969 |
| Memoranda: | ||
| Average total assets | $345,765,750 | 2,256 |
| Average earning assets | $326,543,250 | 2,220 |
| Average equity | $21,056,000 | 2,894 |
| Average total loans | $203,847,750 | 2,200 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 2,482 |
| Cost of funding earning assets | 0.4314% | 754 |
| Net interest margin | 2.9540% | 3,023 |
| Noninterest income to average assets | 0.5855% | 1,803 |
| Noninterest expense to average assets | 2.2353% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0290% | 2,049 |
| Return on assets (ROA) | 1.0290% | 2,023 |
| Pretax return on assets | 1.1420% | 2,267 |
| Return on Equity (ROE) | 15.5140% | 793 |
| Retained earnings to average equity (ytd only) | -2.8985% | 4,447 |
| Net charge-offs to loans | -0.0229% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8032% | 2,795 |
| Assets per employee ($millions) | 7.7647% | 1,439 |
| Cash dividends to net income (ytd only)* | 118.6832% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,907 |
| Loan loss allowance to noncurrent loans | 565.2074% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,836 |
| Noncurrent loans to loans | 0.2044% | 2,693 |
| Net loans and leases to total assets | 60.0739% | 2,319 |
| Net loans and leases to deposits | 65.5009% | 2,589 |
| Net loans and leases to core deposits | 66.6294% | 2,772 |
| Total domestic deposits to total assets | 91.7147% | 958 |
| Equity capital to assets | 4.6509% | 4,538 |
| Core capital (leverage) ratio | 8.2559% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8695% | 2,112 |
| Memoranda: | ||
| Average total assets | $345,369,333 | 2,261 |
| Average earning assets | $326,403,667 | 2,245 |
| Average equity | $22,908,333 | 2,825 |
| Average total loans | $200,695,333 | 2,230 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2890% | 2,418 |
| Cost of funding earning assets | 0.4176% | 782 |
| Net interest margin | 2.8714% | 2,922 |
| Noninterest income to average assets | 0.6070% | 1,666 |
| Noninterest expense to average assets | 2.1960% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0147% | 1,815 |
| Return on assets (ROA) | 1.0147% | 1,810 |
| Pretax return on assets | 1.1266% | 2,061 |
| Return on Equity (ROE) | 13.2790% | 984 |
| Retained earnings to average equity (ytd only) | -13.7058% | 4,629 |
| Net charge-offs to loans | -0.0390% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6746% | 3,071 |
| Assets per employee ($millions) | 7.6690% | 1,573 |
| Cash dividends to net income (ytd only)* | 203.2147% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,645 |
| Loan loss allowance to noncurrent loans | 564.2857% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,922 |
| Noncurrent loans to loans | 0.2199% | 2,716 |
| Net loans and leases to total assets | 56.4802% | 2,484 |
| Net loans and leases to deposits | 63.0107% | 2,626 |
| Net loans and leases to core deposits | 64.7889% | 2,737 |
| Total domestic deposits to total assets | 89.6359% | 1,748 |
| Equity capital to assets | 6.5334% | 4,417 |
| Core capital (leverage) ratio | 8.0423% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3951% | 2,039 |
| Memoranda: | ||
| Average total assets | $343,347,500 | 2,284 |
| Average earning assets | $324,723,500 | 2,264 |
| Average equity | $26,237,000 | 2,705 |
| Average total loans | $194,863,500 | 2,264 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 2,423 |
| Cost of funding earning assets | 0.4963% | 954 |
| Net interest margin | 3.0915% | 2,934 |
| Noninterest income to average assets | 0.8441% | 1,331 |
| Noninterest expense to average assets | 2.2641% | 2,905 |
| Loan and lease loss provision to assets | 0.0073% | 2,939 |
| Net operating income to assets | 1.4938% | 1,031 |
| Return on assets (ROA) | 1.4999% | 1,067 |
| Pretax return on assets | 1.5017% | 1,720 |
| Return on Equity (ROE) | 17.0669% | 578 |
| Retained earnings to average equity (ytd only) | 4.8558% | 2,837 |
| Net charge-offs to loans | -0.0088% | 3,697 |
| Credit loss provision to net charge-offs | -147.0588% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9426% | 3,457 |
| Assets per employee ($millions) | 7.5909% | 1,557 |
| Cash dividends to net income (ytd only)* | 71.5485% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,547 |
| Loan loss allowance to noncurrent loans | 505.1975% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 2,950 |
| Noncurrent loans to loans | 0.2500% | 2,729 |
| Net loans and leases to total assets | 55.6023% | 2,664 |
| Net loans and leases to deposits | 63.6580% | 2,714 |
| Net loans and leases to core deposits | 65.4647% | 2,866 |
| Total domestic deposits to total assets | 87.3454% | 2,364 |
| Equity capital to assets | 8.7611% | 3,836 |
| Core capital (leverage) ratio | 8.3577% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2379% | 1,760 |
| Memoranda: | ||
| Average total assets | $341,415,200 | 2,239 |
| Average earning assets | $322,789,600 | 2,218 |
| Average equity | $30,005,400 | 2,537 |
| Average total loans | $192,186,400 | 2,291 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 2,319 |
| Cost of funding earning assets | 0.5135% | 983 |
| Net interest margin | 3.1710% | 2,828 |
| Noninterest income to average assets | 0.8737% | 1,313 |
| Noninterest expense to average assets | 2.2665% | 2,842 |
| Loan and lease loss provision to assets | 0.0097% | 2,797 |
| Net operating income to assets | 1.5955% | 1,047 |
| Return on assets (ROA) | 1.6068% | 1,059 |
| Pretax return on assets | 1.6092% | 1,672 |
| Return on Equity (ROE) | 18.2688% | 596 |
| Retained earnings to average equity (ytd only) | 3.9477% | 3,592 |
| Net charge-offs to loans | -0.0146% | 3,836 |
| Credit loss provision to net charge-offs | -119.0476% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4069% | 3,484 |
| Assets per employee ($millions) | 7.6762% | 1,461 |
| Cash dividends to net income (ytd only)* | 78.3909% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,578 |
| Loan loss allowance to noncurrent loans | 446.6055% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,064 |
| Noncurrent loans to loans | 0.2872% | 2,766 |
| Net loans and leases to total assets | 54.2292% | 2,944 |
| Net loans and leases to deposits | 62.4420% | 2,996 |
| Net loans and leases to core deposits | 64.8001% | 3,060 |
| Total domestic deposits to total assets | 86.8474% | 2,409 |
| Equity capital to assets | 8.8970% | 3,924 |
| Core capital (leverage) ratio | 8.0757% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0221% | 1,960 |
| Memoranda: | ||
| Average total assets | $341,371,500 | 2,261 |
| Average earning assets | $323,001,750 | 2,241 |
| Average equity | $30,025,000 | 2,563 |
| Average total loans | $192,142,500 | 2,327 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 1,734 |
| Cost of funding earning assets | 0.5276% | 1,048 |
| Net interest margin | 3.4050% | 2,127 |
| Noninterest income to average assets | 0.9082% | 1,253 |
| Noninterest expense to average assets | 2.2516% | 2,915 |
| Loan and lease loss provision to assets | 0.0147% | 2,659 |
| Net operating income to assets | 1.8611% | 631 |
| Return on assets (ROA) | 1.8781% | 642 |
| Pretax return on assets | 1.8817% | 1,055 |
| Return on Equity (ROE) | 21.4374% | 354 |
| Retained earnings to average equity (ytd only) | 2.4774% | 4,003 |
| Net charge-offs to loans | -0.0031% | 3,298 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5274% | 3,983 |
| Assets per employee ($millions) | 7.7154% | 1,354 |
| Cash dividends to net income (ytd only)* | 88.4435% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,671 |
| Loan loss allowance to noncurrent loans | 435.3153% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 3,191 |
| Noncurrent loans to loans | 0.2875% | 2,896 |
| Net loans and leases to total assets | 54.8974% | 3,033 |
| Net loans and leases to deposits | 63.1342% | 3,092 |
| Net loans and leases to core deposits | 65.5489% | 3,151 |
| Total domestic deposits to total assets | 86.9534% | 2,346 |
| Equity capital to assets | 8.5776% | 4,143 |
| Core capital (leverage) ratio | 8.0543% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1558% | 1,921 |
| Memoranda: | ||
| Average total assets | $340,018,667 | 2,255 |
| Average earning assets | $321,821,000 | 2,235 |
| Average equity | $29,789,000 | 2,568 |
| Average total loans | $192,937,333 | 2,325 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 1,075 |
| Cost of funding earning assets | 0.5510% | 1,096 |
| Net interest margin | 3.7286% | 1,272 |
| Noninterest income to average assets | 0.8180% | 1,541 |
| Noninterest expense to average assets | 2.2008% | 3,114 |
| Loan and lease loss provision to assets | 0.0297% | 2,395 |
| Net operating income to assets | 2.1044% | 489 |
| Return on assets (ROA) | 2.1389% | 495 |
| Pretax return on assets | 2.1461% | 750 |
| Return on Equity (ROE) | 24.1533% | 290 |
| Retained earnings to average equity (ytd only) | -5.5986% | 4,718 |
| Net charge-offs to loans | -0.0062% | 3,476 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7952% | 4,276 |
| Assets per employee ($millions) | 7.5644% | 1,416 |
| Cash dividends to net income (ytd only)* | 123.1795% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,731 |
| Loan loss allowance to noncurrent loans | 551.5982% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 3,400 |
| Noncurrent loans to loans | 0.2243% | 3,296 |
| Net loans and leases to total assets | 56.6572% | 2,962 |
| Net loans and leases to deposits | 65.1781% | 3,007 |
| Net loans and leases to core deposits | 67.4812% | 3,110 |
| Total domestic deposits to total assets | 86.9268% | 2,341 |
| Equity capital to assets | 8.4375% | 4,165 |
| Core capital (leverage) ratio | 7.9985% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0946% | 1,872 |
| Memoranda: | ||
| Average total assets | $336,430,500 | 2,254 |
| Average earning assets | $317,977,000 | 2,229 |
| Average equity | $29,793,000 | 2,558 |
| Average total loans | $192,897,500 | 2,332 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 2,090 |
| Cost of funding earning assets | 0.8200% | 1,129 |
| Net interest margin | 3.3952% | 2,797 |
| Noninterest income to average assets | 1.0563% | 951 |
| Noninterest expense to average assets | 2.5060% | 2,837 |
| Loan and lease loss provision to assets | 0.0981% | 3,107 |
| Net operating income to assets | 1.6506% | 574 |
| Return on assets (ROA) | 1.6611% | 598 |
| Pretax return on assets | 1.6631% | 924 |
| Return on Equity (ROE) | 17.6323% | 359 |
| Retained earnings to average equity (ytd only) | 6.1980% | 1,710 |
| Net charge-offs to loans | -0.0423% | 4,636 |
| Credit loss provision to net charge-offs | -365.8537% | 3,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7356% | 3,891 |
| Assets per employee ($millions) | 7.3881% | 1,342 |
| Cash dividends to net income (ytd only)* | 64.8484% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,660 |
| Loan loss allowance to noncurrent loans | 257.0506% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 2,779 |
| Noncurrent loans to loans | 0.4876% | 2,505 |
| Net loans and leases to total assets | 56.5870% | 3,241 |
| Net loans and leases to deposits | 65.9757% | 3,274 |
| Net loans and leases to core deposits | 69.3210% | 3,305 |
| Total domestic deposits to total assets | 85.7695% | 2,463 |
| Equity capital to assets | 9.2837% | 3,802 |
| Core capital (leverage) ratio | 8.3169% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2180% | 1,774 |
| Memoranda: | ||
| Average total assets | $305,701,600 | 2,270 |
| Average earning assets | $288,171,400 | 2,234 |
| Average equity | $28,799,400 | 2,541 |
| Average total loans | $194,048,400 | 2,300 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,701 |
| Cost of funding earning assets | 0.8808% | 1,133 |
| Net interest margin | 3.5677% | 2,364 |
| Noninterest income to average assets | 0.9912% | 1,031 |
| Noninterest expense to average assets | 2.4850% | 2,892 |
| Loan and lease loss provision to assets | 0.1003% | 3,066 |
| Net operating income to assets | 1.7662% | 495 |
| Return on assets (ROA) | 1.7809% | 525 |
| Pretax return on assets | 1.7836% | 807 |
| Return on Equity (ROE) | 18.8283% | 303 |
| Retained earnings to average equity (ytd only) | 5.5344% | 2,313 |
| Net charge-offs to loans | -0.0376% | 4,603 |
| Credit loss provision to net charge-offs | -409.0909% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9411% | 4,047 |
| Assets per employee ($millions) | 7.1540% | 1,399 |
| Cash dividends to net income (ytd only)* | 70.6059% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,086 |
| Loan loss allowance to noncurrent loans | 217.9218% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 2,837 |
| Noncurrent loans to loans | 0.5150% | 2,513 |
| Net loans and leases to total assets | 62.5622% | 2,938 |
| Net loans and leases to deposits | 73.5005% | 2,999 |
| Net loans and leases to core deposits | 78.0492% | 3,004 |
| Total domestic deposits to total assets | 85.1181% | 2,387 |
| Equity capital to assets | 9.3269% | 3,837 |
| Core capital (leverage) ratio | 8.3142% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7063% | 1,924 |
| Memoranda: | ||
| Average total assets | $299,011,250 | 2,284 |
| Average earning assets | $281,853,750 | 2,263 |
| Average equity | $28,283,000 | 2,576 |
| Average total loans | $194,930,750 | 2,280 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 1,248 |
| Cost of funding earning assets | 0.9511% | 1,143 |
| Net interest margin | 3.8155% | 1,794 |
| Noninterest income to average assets | 0.9019% | 1,166 |
| Noninterest expense to average assets | 2.5294% | 2,884 |
| Loan and lease loss provision to assets | 0.1030% | 2,982 |
| Net operating income to assets | 1.8588% | 445 |
| Return on assets (ROA) | 1.8814% | 461 |
| Pretax return on assets | 1.8856% | 685 |
| Return on Equity (ROE) | 19.7892% | 257 |
| Retained earnings to average equity (ytd only) | 3.3716% | 3,238 |
| Net charge-offs to loans | -0.0042% | 3,961 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1457% | 4,165 |
| Assets per employee ($millions) | 6.9124% | 1,492 |
| Cash dividends to net income (ytd only)* | 82.9624% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,313 |
| Loan loss allowance to noncurrent loans | 175.6098% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 2,711 |
| Noncurrent loans to loans | 0.5987% | 2,351 |
| Net loans and leases to total assets | 65.3493% | 2,718 |
| Net loans and leases to deposits | 77.1519% | 2,742 |
| Net loans and leases to core deposits | 82.3968% | 2,745 |
| Total domestic deposits to total assets | 84.7021% | 2,503 |
| Equity capital to assets | 9.4526% | 3,702 |
| Core capital (leverage) ratio | 8.5476% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2388% | 2,090 |
| Memoranda: | ||
| Average total assets | $291,372,000 | 2,303 |
| Average earning assets | $274,406,000 | 2,283 |
| Average equity | $27,702,000 | 2,604 |
| Average total loans | $192,010,333 | 2,284 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,179 |
| Cost of funding earning assets | 1.0672% | 1,157 |
| Net interest margin | 3.4766% | 3,060 |
| Noninterest income to average assets | 0.5896% | 2,082 |
| Noninterest expense to average assets | 2.4523% | 3,415 |
| Loan and lease loss provision to assets | 0.0781% | 2,741 |
| Net operating income to assets | 1.3188% | 1,189 |
| Return on assets (ROA) | 1.3427% | 1,216 |
| Pretax return on assets | 1.3512% | 1,714 |
| Return on Equity (ROE) | 14.0774% | 684 |
| Retained earnings to average equity (ytd only) | -8.1336% | 4,694 |
| Net charge-offs to loans | -0.0043% | 3,813 |
| Credit loss provision to net charge-offs | -2,750.0000% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0313% | 3,611 |
| Assets per employee ($millions) | 6.1778% | 1,537 |
| Cash dividends to net income (ytd only)* | 157.7778% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,131 |
| Loan loss allowance to noncurrent loans | 186.6968% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 2,858 |
| Noncurrent loans to loans | 0.5956% | 2,511 |
| Net loans and leases to total assets | 65.9995% | 2,816 |
| Net loans and leases to deposits | 78.7165% | 2,814 |
| Net loans and leases to core deposits | 84.6117% | 2,795 |
| Total domestic deposits to total assets | 83.8445% | 2,838 |
| Equity capital to assets | 9.4961% | 4,222 |
| Core capital (leverage) ratio | 8.7497% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8359% | 2,353 |
| Memoranda: | ||
| Average total assets | $281,530,000 | 2,312 |
| Average earning assets | $264,625,500 | 2,291 |
| Average equity | $26,851,500 | 2,648 |
| Average total loans | $185,299,000 | 2,306 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 2,106 |
| Cost of funding earning assets | 1.1809% | 1,070 |
| Net interest margin | 3.5993% | 3,137 |
| Noninterest income to average assets | 0.6268% | 2,104 |
| Noninterest expense to average assets | 2.5452% | 3,333 |
| Loan and lease loss provision to assets | 0.0655% | 2,711 |
| Net operating income to assets | 1.3841% | 1,396 |
| Return on assets (ROA) | 1.3921% | 1,438 |
| Pretax return on assets | 1.3936% | 2,184 |
| Return on Equity (ROE) | 14.7405% | 739 |
| Retained earnings to average equity (ytd only) | 4.2908% | 2,812 |
| Net charge-offs to loans | 0.0401% | 2,583 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 53.1867% | 1,073 |
| Efficiency ratio | 61.1597% | 3,514 |
| Assets per employee ($millions) | 6.3347% | 1,395 |
| Cash dividends to net income (ytd only)* | 70.8910% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,038 |
| Loan loss allowance to noncurrent loans | 184.3750% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 2,884 |
| Noncurrent loans to loans | 0.5879% | 2,421 |
| Net loans and leases to total assets | 64.2147% | 3,172 |
| Net loans and leases to deposits | 75.9759% | 3,182 |
| Net loans and leases to core deposits | 81.7294% | 3,151 |
| Total domestic deposits to total assets | 84.5198% | 2,673 |
| Equity capital to assets | 9.5783% | 4,289 |
| Core capital (leverage) ratio | 8.8436% | 4,642 |
| Tier 1 risk-based capital ratio | 13.0474% | 3,769 |
| Total risk-based capital ratio | 14.0995% | 3,756 |
| Memoranda: | ||
| Average total assets | $274,908,200 | 2,305 |
| Average earning assets | $257,353,600 | 2,290 |
| Average equity | $25,962,400 | 2,637 |
| Average total loans | $187,122,200 | 2,253 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 2,008 |
| Cost of funding earning assets | 1.1884% | 1,065 |
| Net interest margin | 3.6485% | 3,098 |
| Noninterest income to average assets | 0.6021% | 2,194 |
| Noninterest expense to average assets | 2.5651% | 3,257 |
| Loan and lease loss provision to assets | 0.0661% | 2,563 |
| Net operating income to assets | 1.3819% | 1,525 |
| Return on assets (ROA) | 1.3927% | 1,563 |
| Pretax return on assets | 1.3946% | 2,330 |
| Return on Equity (ROE) | 14.8017% | 822 |
| Retained earnings to average equity (ytd only) | 2.9135% | 3,928 |
| Net charge-offs to loans | 0.0121% | 2,931 |
| Credit loss provision to net charge-offs | 794.1176% | 435 |
| Earnings coverage of net charge-offs (x) | 174.2051% | 490 |
| Efficiency ratio | 61.3509% | 3,431 |
| Assets per employee ($millions) | 6.2661% | 1,415 |
| Cash dividends to net income (ytd only)* | 80.3163% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,107 |
| Loan loss allowance to noncurrent loans | 272.1024% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 3,508 |
| Noncurrent loans to loans | 0.3988% | 3,115 |
| Net loans and leases to total assets | 65.2676% | 3,148 |
| Net loans and leases to deposits | 77.6305% | 3,137 |
| Net loans and leases to core deposits | 84.3649% | 3,064 |
| Total domestic deposits to total assets | 84.0747% | 2,793 |
| Equity capital to assets | 9.4580% | 4,492 |
| Core capital (leverage) ratio | 8.7700% | 4,797 |
| Tier 1 risk-based capital ratio | 12.7165% | 4,018 |
| Total risk-based capital ratio | 13.7752% | 4,004 |
| Memoranda: | ||
| Average total assets | $272,370,000 | 2,336 |
| Average earning assets | $254,781,750 | 2,319 |
| Average equity | $25,627,000 | 2,673 |
| Average total loans | $187,638,500 | 2,278 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 1,957 |
| Cost of funding earning assets | 1.1488% | 1,144 |
| Net interest margin | 3.6857% | 2,975 |
| Noninterest income to average assets | 0.5372% | 2,460 |
| Noninterest expense to average assets | 2.5835% | 3,233 |
| Loan and lease loss provision to assets | 0.0669% | 2,472 |
| Net operating income to assets | 1.3285% | 1,665 |
| Return on assets (ROA) | 1.3218% | 1,748 |
| Pretax return on assets | 1.3248% | 2,460 |
| Return on Equity (ROE) | 14.0746% | 964 |
| Retained earnings to average equity (ytd only) | -0.3244% | 4,736 |
| Net charge-offs to loans | 0.0032% | 3,052 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 627.3333% | 123 |
| Efficiency ratio | 62.2877% | 3,385 |
| Assets per employee ($millions) | 6.1573% | 1,430 |
| Cash dividends to net income (ytd only)* | 102.3047% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 3,433 |
| Loan loss allowance to noncurrent loans | 261.9236% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 3,463 |
| Noncurrent loans to loans | 0.3942% | 3,115 |
| Net loans and leases to total assets | 68.7635% | 2,713 |
| Net loans and leases to deposits | 81.7091% | 2,760 |
| Net loans and leases to core deposits | 89.0756% | 2,687 |
| Total domestic deposits to total assets | 84.1566% | 2,794 |
| Equity capital to assets | 9.3922% | 4,510 |
| Core capital (leverage) ratio | 8.8778% | 4,735 |
| Tier 1 risk-based capital ratio | 12.1323% | 4,341 |
| Total risk-based capital ratio | 13.1550% | 4,352 |
| Memoranda: | ||
| Average total assets | $269,169,000 | 2,359 |
| Average earning assets | $251,567,330 | 2,353 |
| Average equity | $25,279,670 | 2,693 |
| Average total loans | $188,166,000 | 2,273 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 1,671 |
| Cost of funding earning assets | 1.1050% | 1,164 |
| Net interest margin | 3.7704% | 2,633 |
| Noninterest income to average assets | 0.5143% | 2,473 |
| Noninterest expense to average assets | 2.6364% | 3,103 |
| Loan and lease loss provision to assets | 0.0679% | 2,315 |
| Net operating income to assets | 1.3242% | 1,614 |
| Return on assets (ROA) | 1.3242% | 1,657 |
| Pretax return on assets | 1.3302% | 2,332 |
| Return on Equity (ROE) | 14.1002% | 945 |
| Retained earnings to average equity (ytd only) | -8.8327% | 5,063 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7664% | 3,418 |
| Assets per employee ($millions) | 5.8239% | 1,688 |
| Cash dividends to net income (ytd only)* | 162.6424% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,448 |
| Loan loss allowance to noncurrent loans | 162.3019% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 2,769 |
| Noncurrent loans to loans | 0.6421% | 2,405 |
| Net loans and leases to total assets | 70.5110% | 2,404 |
| Net loans and leases to deposits | 83.5306% | 2,437 |
| Net loans and leases to core deposits | 89.9538% | 2,509 |
| Total domestic deposits to total assets | 84.4134% | 2,892 |
| Equity capital to assets | 9.5605% | 4,199 |
| Core capital (leverage) ratio | 8.7539% | 4,826 |
| Tier 1 risk-based capital ratio | 12.1780% | 4,367 |
| Total risk-based capital ratio | 13.2082% | 4,376 |
| Memoranda: | ||
| Average total assets | $265,213,500 | 2,400 |
| Average earning assets | $247,611,000 | 2,399 |
| Average equity | $24,907,500 | 2,725 |
| Average total loans | $185,990,000 | 2,310 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,771 |
| Cost of funding earning assets | 0.9465% | 936 |
| Net interest margin | 3.7692% | 2,783 |
| Noninterest income to average assets | 0.5899% | 2,352 |
| Noninterest expense to average assets | 2.6524% | 3,175 |
| Loan and lease loss provision to assets | 0.0400% | 3,389 |
| Net operating income to assets | 1.4216% | 1,358 |
| Return on assets (ROA) | 1.4117% | 1,377 |
| Pretax return on assets | 1.4136% | 2,087 |
| Return on Equity (ROE) | 15.6159% | 702 |
| Retained earnings to average equity (ytd only) | 4.6928% | 2,938 |
| Net charge-offs to loans | 0.0481% | 2,468 |
| Credit loss provision to net charge-offs | 117.9775% | 2,200 |
| Earnings coverage of net charge-offs (x) | 43.1798% | 1,244 |
| Efficiency ratio | 61.8708% | 3,557 |
| Assets per employee ($millions) | 5.9633% | 1,551 |
| Cash dividends to net income (ytd only)* | 69.9487% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,515 |
| Loan loss allowance to noncurrent loans | 351.3863% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 3,823 |
| Noncurrent loans to loans | 0.2921% | 3,513 |
| Net loans and leases to total assets | 68.3212% | 2,835 |
| Net loans and leases to deposits | 80.2940% | 2,921 |
| Net loans and leases to core deposits | 87.2586% | 2,814 |
| Total domestic deposits to total assets | 85.0889% | 2,609 |
| Equity capital to assets | 9.2264% | 4,386 |
| Core capital (leverage) ratio | 8.9287% | 4,713 |
| Tier 1 risk-based capital ratio | 12.5715% | 4,091 |
| Total risk-based capital ratio | 13.5890% | 4,099 |
| Memoranda: | ||
| Average total assets | $262,593,800 | 2,381 |
| Average earning assets | $245,646,600 | 2,371 |
| Average equity | $23,738,600 | 2,751 |
| Average total loans | $184,857,200 | 2,298 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,765 |
| Cost of funding earning assets | 0.8967% | 938 |
| Net interest margin | 3.7737% | 2,739 |
| Noninterest income to average assets | 0.5749% | 2,453 |
| Noninterest expense to average assets | 2.7028% | 2,971 |
| Loan and lease loss provision to assets | 0.0408% | 3,185 |
| Net operating income to assets | 1.3631% | 1,609 |
| Return on assets (ROA) | 1.3504% | 1,678 |
| Pretax return on assets | 1.3529% | 2,414 |
| Return on Equity (ROE) | 15.0173% | 875 |
| Retained earnings to average equity (ytd only) | 2.9240% | 4,263 |
| Net charge-offs to loans | -0.0043% | 4,201 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1880% | 3,302 |
| Assets per employee ($millions) | 5.8616% | 1,596 |
| Cash dividends to net income (ytd only)* | 80.5293% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,512 |
| Loan loss allowance to noncurrent loans | 362.9834% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 3,915 |
| Noncurrent loans to loans | 0.2874% | 3,656 |
| Net loans and leases to total assets | 70.8761% | 2,518 |
| Net loans and leases to deposits | 83.4174% | 2,664 |
| Net loans and leases to core deposits | 88.2989% | 2,821 |
| Total domestic deposits to total assets | 84.9657% | 2,620 |
| Equity capital to assets | 8.9608% | 4,586 |
| Core capital (leverage) ratio | 8.7064% | 4,957 |
| Tier 1 risk-based capital ratio | 12.0587% | 4,472 |
| Total risk-based capital ratio | 13.1003% | 4,468 |
| Memoranda: | ||
| Average total assets | $261,154,750 | 2,405 |
| Average earning assets | $244,598,750 | 2,395 |
| Average equity | $23,483,500 | 2,788 |
| Average total loans | $184,761,250 | 2,308 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 1,788 |
| Cost of funding earning assets | 0.8404% | 961 |
| Net interest margin | 3.7592% | 2,718 |
| Noninterest income to average assets | 0.5148% | 2,776 |
| Noninterest expense to average assets | 2.6886% | 3,050 |
| Loan and lease loss provision to assets | 0.0615% | 2,674 |
| Net operating income to assets | 1.2771% | 1,871 |
| Return on assets (ROA) | 1.2579% | 1,949 |
| Pretax return on assets | 1.2617% | 2,666 |
| Return on Equity (ROE) | 13.9719% | 1,080 |
| Retained earnings to average equity (ytd only) | -0.4524% | 5,022 |
| Net charge-offs to loans | -0.0065% | 4,173 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0488% | 3,312 |
| Assets per employee ($millions) | 5.8569% | 1,593 |
| Cash dividends to net income (ytd only)* | 103.2376% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,549 |
| Loan loss allowance to noncurrent loans | 321.5334% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,841 |
| Noncurrent loans to loans | 0.3257% | 3,538 |
| Net loans and leases to total assets | 70.6556% | 2,484 |
| Net loans and leases to deposits | 83.1428% | 2,630 |
| Net loans and leases to core deposits | 88.1156% | 2,709 |
| Total domestic deposits to total assets | 84.9810% | 2,681 |
| Equity capital to assets | 8.8352% | 4,691 |
| Core capital (leverage) ratio | 8.6155% | 5,026 |
| Tier 1 risk-based capital ratio | 11.7082% | 4,684 |
| Total risk-based capital ratio | 12.7486% | 4,685 |
| Memoranda: | ||
| Average total assets | $260,283,000 | 2,421 |
| Average earning assets | $243,453,000 | 2,410 |
| Average equity | $23,432,670 | 2,800 |
| Average total loans | $183,374,670 | 2,323 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 1,939 |
| Cost of funding earning assets | 0.7870% | 1,008 |
| Net interest margin | 3.6898% | 2,840 |
| Noninterest income to average assets | 0.5011% | 2,791 |
| Noninterest expense to average assets | 2.6786% | 3,104 |
| Loan and lease loss provision to assets | 0.0928% | 1,962 |
| Net operating income to assets | 1.1657% | 2,153 |
| Return on assets (ROA) | 1.1274% | 2,316 |
| Pretax return on assets | 1.1351% | 3,028 |
| Return on Equity (ROE) | 12.4053% | 1,439 |
| Retained earnings to average equity (ytd only) | -9.6316% | 5,360 |
| Net charge-offs to loans | -0.0111% | 4,286 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1901% | 3,291 |
| Assets per employee ($millions) | 5.6901% | 1,771 |
| Cash dividends to net income (ytd only)* | 177.6406% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,521 |
| Loan loss allowance to noncurrent loans | 206.7869% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,357 |
| Noncurrent loans to loans | 0.5205% | 2,959 |
| Net loans and leases to total assets | 69.9908% | 2,493 |
| Net loans and leases to deposits | 81.9864% | 2,601 |
| Net loans and leases to core deposits | 86.4349% | 2,766 |
| Total domestic deposits to total assets | 85.3688% | 2,800 |
| Equity capital to assets | 8.9200% | 4,639 |
| Core capital (leverage) ratio | 8.4628% | 5,165 |
| Tier 1 risk-based capital ratio | 11.7651% | 4,705 |
| Total risk-based capital ratio | 12.8273% | 4,711 |
| Memoranda: | ||
| Average total assets | $258,644,500 | 2,452 |
| Average earning assets | $241,419,500 | 2,440 |
| Average equity | $23,506,000 | 2,820 |
| Average total loans | $180,966,500 | 2,354 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 1,953 |
| Cost of funding earning assets | 0.6991% | 1,027 |
| Net interest margin | 3.7278% | 2,682 |
| Noninterest income to average assets | 0.5930% | 2,483 |
| Noninterest expense to average assets | 2.6416% | 3,309 |
| Loan and lease loss provision to assets | 0.0931% | 2,341 |
| Net operating income to assets | 1.3350% | 1,150 |
| Return on assets (ROA) | 1.3462% | 1,148 |
| Pretax return on assets | 1.3481% | 2,179 |
| Return on Equity (ROE) | 14.7220% | 650 |
| Retained earnings to average equity (ytd only) | 4.9186% | 2,176 |
| Net charge-offs to loans | 0.0690% | 2,465 |
| Credit loss provision to net charge-offs | 198.3471% | 1,378 |
| Earnings coverage of net charge-offs (x) | 30.4545% | 1,531 |
| Efficiency ratio | 64.8780% | 3,466 |
| Assets per employee ($millions) | 5.8052% | 1,652 |
| Cash dividends to net income (ytd only)* | 66.5898% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,670 |
| Loan loss allowance to noncurrent loans | 204.6688% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 3,376 |
| Noncurrent loans to loans | 0.5095% | 2,989 |
| Net loans and leases to total assets | 68.4762% | 2,755 |
| Net loans and leases to deposits | 80.0343% | 2,916 |
| Net loans and leases to core deposits | 83.4849% | 3,105 |
| Total domestic deposits to total assets | 85.5585% | 2,629 |
| Equity capital to assets | 9.2530% | 4,472 |
| Core capital (leverage) ratio | 8.5980% | 5,041 |
| Tier 1 risk-based capital ratio | 11.9970% | 4,527 |
| Total risk-based capital ratio | 13.0191% | 4,561 |
| Memoranda: | ||
| Average total assets | $257,687,000 | 2,435 |
| Average earning assets | $240,465,800 | 2,418 |
| Average equity | $23,563,400 | 2,802 |
| Average total loans | $175,482,000 | 2,379 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 1,996 |
| Cost of funding earning assets | 0.6832% | 1,055 |
| Net interest margin | 3.7028% | 2,752 |
| Noninterest income to average assets | 0.5955% | 2,506 |
| Noninterest expense to average assets | 2.6578% | 3,217 |
| Loan and lease loss provision to assets | 0.0935% | 2,216 |
| Net operating income to assets | 1.3027% | 1,321 |
| Return on assets (ROA) | 1.3182% | 1,310 |
| Pretax return on assets | 1.3208% | 2,392 |
| Return on Equity (ROE) | 14.4599% | 739 |
| Retained earnings to average equity (ytd only) | 3.6164% | 3,770 |
| Net charge-offs to loans | 0.0268% | 2,900 |
| Credit loss provision to net charge-offs | 514.2857% | 619 |
| Earnings coverage of net charge-offs (x) | 76.9640% | 836 |
| Efficiency ratio | 65.5190% | 3,285 |
| Assets per employee ($millions) | 5.8054% | 1,649 |
| Cash dividends to net income (ytd only)* | 74.9900% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,583 |
| Loan loss allowance to noncurrent loans | 160.8586% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 3,092 |
| Noncurrent loans to loans | 0.6739% | 2,685 |
| Net loans and leases to total assets | 66.7478% | 3,012 |
| Net loans and leases to deposits | 78.1281% | 3,150 |
| Net loans and leases to core deposits | 81.5930% | 3,319 |
| Total domestic deposits to total assets | 85.4339% | 2,544 |
| Equity capital to assets | 9.2600% | 4,673 |
| Core capital (leverage) ratio | 8.4186% | 5,304 |
| Tier 1 risk-based capital ratio | 12.0027% | 4,616 |
| Total risk-based capital ratio | 13.0680% | 4,621 |
| Memoranda: | ||
| Average total assets | $256,800,250 | 2,460 |
| Average earning assets | $240,030,000 | 2,439 |
| Average equity | $23,411,250 | 2,842 |
| Average total loans | $174,160,500 | 2,399 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,030 |
| Cost of funding earning assets | 0.6649% | 1,067 |
| Net interest margin | 3.6668% | 2,765 |
| Noninterest income to average assets | 0.5374% | 2,781 |
| Noninterest expense to average assets | 2.6375% | 3,318 |
| Loan and lease loss provision to assets | 0.0940% | 2,109 |
| Net operating income to assets | 1.2236% | 1,523 |
| Return on assets (ROA) | 1.2306% | 1,533 |
| Pretax return on assets | 1.2345% | 2,640 |
| Return on Equity (ROE) | 13.5716% | 900 |
| Retained earnings to average equity (ytd only) | 0.7689% | 4,900 |
| Net charge-offs to loans | 0.0334% | 2,527 |
| Credit loss provision to net charge-offs | 413.7931% | 765 |
| Earnings coverage of net charge-offs (x) | 58.1724% | 974 |
| Efficiency ratio | 66.6205% | 3,243 |
| Assets per employee ($millions) | 5.7504% | 1,652 |
| Cash dividends to net income (ytd only)* | 94.3348% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,860 |
| Loan loss allowance to noncurrent loans | 155.0083% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 2,969 |
| Noncurrent loans to loans | 0.6763% | 2,725 |
| Net loans and leases to total assets | 67.7347% | 2,852 |
| Net loans and leases to deposits | 79.2094% | 3,005 |
| Net loans and leases to core deposits | 82.9474% | 3,177 |
| Total domestic deposits to total assets | 85.5134% | 2,610 |
| Equity capital to assets | 9.1823% | 4,732 |
| Core capital (leverage) ratio | 8.2666% | 5,379 |
| Tier 1 risk-based capital ratio | 11.5803% | 4,905 |
| Total risk-based capital ratio | 12.6083% | 4,937 |
| Memoranda: | ||
| Average total assets | $255,319,330 | 2,483 |
| Average earning assets | $238,247,330 | 2,464 |
| Average equity | $23,151,330 | 2,867 |
| Average total loans | $173,452,330 | 2,412 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 2,119 |
| Cost of funding earning assets | 0.6524% | 1,066 |
| Net interest margin | 3.5914% | 2,915 |
| Noninterest income to average assets | 0.5489% | 2,672 |
| Noninterest expense to average assets | 2.6231% | 3,402 |
| Loan and lease loss provision to assets | 0.0946% | 1,961 |
| Net operating income to assets | 1.1751% | 1,571 |
| Return on assets (ROA) | 1.1767% | 1,609 |
| Pretax return on assets | 1.1846% | 2,660 |
| Return on Equity (ROE) | 13.0611% | 986 |
| Retained earnings to average equity (ytd only) | -6.6006% | 5,472 |
| Net charge-offs to loans | -0.0023% | 4,022 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2463% | 3,308 |
| Assets per employee ($millions) | 5.6262% | 1,784 |
| Cash dividends to net income (ytd only)* | 150.5362% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,862 |
| Loan loss allowance to noncurrent loans | 133.6503% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 2,921 |
| Noncurrent loans to loans | 0.8033% | 2,444 |
| Net loans and leases to total assets | 66.4900% | 2,899 |
| Net loans and leases to deposits | 77.5982% | 3,021 |
| Net loans and leases to core deposits | 81.2307% | 3,172 |
| Total domestic deposits to total assets | 85.6849% | 2,803 |
| Equity capital to assets | 8.9892% | 4,812 |
| Core capital (leverage) ratio | 8.1334% | 5,489 |
| Tier 1 risk-based capital ratio | 11.7772% | 4,868 |
| Total risk-based capital ratio | 12.8327% | 4,878 |
| Memoranda: | ||
| Average total assets | $253,594,000 | 2,516 |
| Average earning assets | $236,675,000 | 2,494 |
| Average equity | $22,846,500 | 2,912 |
| Average total loans | $171,611,500 | 2,448 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 1,988 |
| Cost of funding earning assets | 0.6386% | 1,118 |
| Net interest margin | 3.7088% | 2,658 |
| Noninterest income to average assets | 0.6492% | 2,421 |
| Noninterest expense to average assets | 2.7662% | 3,133 |
| Loan and lease loss provision to assets | 0.1263% | 1,968 |
| Net operating income to assets | 1.2374% | 1,387 |
| Return on assets (ROA) | 1.2767% | 1,349 |
| Pretax return on assets | 1.2780% | 2,365 |
| Return on Equity (ROE) | 13.2213% | 946 |
| Retained earnings to average equity (ytd only) | 4.0879% | 3,007 |
| Net charge-offs to loans | 0.0990% | 2,291 |
| Credit loss provision to net charge-offs | 189.1892% | 1,494 |
| Earnings coverage of net charge-offs (x) | 20.4459% | 1,855 |
| Efficiency ratio | 66.9579% | 3,447 |
| Assets per employee ($millions) | 6.5130% | 1,147 |
| Cash dividends to net income (ytd only)* | 69.0813% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,190 |
| Loan loss allowance to noncurrent loans | 133.6866% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 3,055 |
| Noncurrent loans to loans | 0.7633% | 2,631 |
| Net loans and leases to total assets | 67.4351% | 2,864 |
| Net loans and leases to deposits | 78.6730% | 3,021 |
| Net loans and leases to core deposits | 82.2837% | 3,191 |
| Total domestic deposits to total assets | 85.7157% | 2,722 |
| Equity capital to assets | 9.0289% | 4,784 |
| Core capital (leverage) ratio | 8.2968% | 5,439 |
| Tier 1 risk-based capital ratio | 11.7129% | 4,916 |
| Total risk-based capital ratio | 12.7108% | 4,983 |
| Memoranda: | ||
| Average total assets | $221,672,600 | 2,747 |
| Average earning assets | $208,127,600 | 2,714 |
| Average equity | $21,404,800 | 3,032 |
| Average total loans | $149,483,200 | 2,651 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,110 |
| Cost of funding earning assets | 0.6257% | 1,165 |
| Net interest margin | 3.6916% | 2,750 |
| Noninterest income to average assets | 0.6436% | 2,458 |
| Noninterest expense to average assets | 2.8284% | 2,912 |
| Loan and lease loss provision to assets | 0.1373% | 1,711 |
| Net operating income to assets | 1.1530% | 1,795 |
| Return on assets (ROA) | 1.2073% | 1,717 |
| Pretax return on assets | 1.2091% | 2,801 |
| Return on Equity (ROE) | 12.2659% | 1,244 |
| Retained earnings to average equity (ytd only) | 2.3466% | 4,507 |
| Net charge-offs to loans | 0.0687% | 2,342 |
| Credit loss provision to net charge-offs | 297.2973% | 1,047 |
| Earnings coverage of net charge-offs (x) | 27.9742% | 1,549 |
| Efficiency ratio | 68.6411% | 3,111 |
| Assets per employee ($millions) | 6.4091% | 1,167 |
| Cash dividends to net income (ytd only)* | 80.8687% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 4,295 |
| Loan loss allowance to noncurrent loans | 113.5929% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,964 |
| Noncurrent loans to loans | 0.8982% | 2,455 |
| Net loans and leases to total assets | 69.0830% | 2,626 |
| Net loans and leases to deposits | 81.1378% | 2,835 |
| Net loans and leases to core deposits | 85.0360% | 3,036 |
| Total domestic deposits to total assets | 85.1428% | 2,738 |
| Equity capital to assets | 9.4046% | 4,759 |
| Core capital (leverage) ratio | 8.3574% | 5,459 |
| Tier 1 risk-based capital ratio | 11.3358% | 5,183 |
| Total risk-based capital ratio | 12.3367% | 5,229 |
| Memoranda: | ||
| Average total assets | $213,589,000 | 2,832 |
| Average earning assets | $201,171,500 | 2,791 |
| Average equity | $21,022,500 | 3,092 |
| Average total loans | $143,590,000 | 2,728 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 2,506 |
| Cost of funding earning assets | 0.6098% | 1,248 |
| Net interest margin | 3.5925% | 3,125 |
| Noninterest income to average assets | 0.6353% | 2,439 |
| Noninterest expense to average assets | 2.8819% | 2,735 |
| Loan and lease loss provision to assets | 0.1588% | 1,431 |
| Net operating income to assets | 0.9838% | 2,454 |
| Return on assets (ROA) | 1.0612% | 2,245 |
| Pretax return on assets | 1.0642% | 3,346 |
| Return on Equity (ROE) | 10.5871% | 1,811 |
| Retained earnings to average equity (ytd only) | -1.1686% | 5,458 |
| Net charge-offs to loans | 0.1110% | 1,718 |
| Credit loss provision to net charge-offs | 216.2162% | 1,236 |
| Earnings coverage of net charge-offs (x) | 15.5946% | 1,981 |
| Efficiency ratio | 71.5553% | 2,738 |
| Assets per employee ($millions) | 5.2610% | 2,019 |
| Cash dividends to net income (ytd only)* | 111.0384% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 3,102 |
| Loan loss allowance to noncurrent loans | 115.0502% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 2,631 |
| Noncurrent loans to loans | 1.0822% | 2,127 |
| Net loans and leases to total assets | 66.4897% | 3,011 |
| Net loans and leases to deposits | 80.5868% | 2,862 |
| Net loans and leases to core deposits | 85.0475% | 2,978 |
| Total domestic deposits to total assets | 82.5070% | 3,837 |
| Equity capital to assets | 11.2219% | 2,823 |
| Core capital (leverage) ratio | 11.0169% | 2,416 |
| Tier 1 risk-based capital ratio | 15.8363% | 2,720 |
| Total risk-based capital ratio | 17.0610% | 2,671 |
| Memoranda: | ||
| Average total assets | $201,467,670 | 2,966 |
| Average earning assets | $190,227,000 | 2,924 |
| Average equity | $20,194,330 | 3,175 |
| Average total loans | $133,301,670 | 2,879 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,541 |
| Cost of funding earning assets | 0.6045% | 1,305 |
| Net interest margin | 3.5781% | 3,173 |
| Noninterest income to average assets | 0.6052% | 2,498 |
| Noninterest expense to average assets | 2.7433% | 3,266 |
| Loan and lease loss provision to assets | 0.0301% | 3,260 |
| Net operating income to assets | 1.2063% | 1,532 |
| Return on assets (ROA) | 1.2063% | 1,637 |
| Pretax return on assets | 1.2124% | 2,651 |
| Return on Equity (ROE) | 12.8228% | 1,077 |
| Retained earnings to average equity (ytd only) | -8.1154% | 5,755 |
| Net charge-offs to loans | -0.0092% | 4,488 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8286% | 3,324 |
| Assets per employee ($millions) | 5.1262% | 2,207 |
| Cash dividends to net income (ytd only)* | 163.2890% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 3,111 |
| Loan loss allowance to noncurrent loans | 111.8403% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 2,442 |
| Noncurrent loans to loans | 1.1272% | 2,141 |
| Net loans and leases to total assets | 64.7614% | 3,139 |
| Net loans and leases to deposits | 76.6743% | 3,144 |
| Net loans and leases to core deposits | 80.4250% | 3,286 |
| Total domestic deposits to total assets | 84.4630% | 3,326 |
| Equity capital to assets | 9.3541% | 4,835 |
| Core capital (leverage) ratio | 8.9764% | 4,885 |
| Tier 1 risk-based capital ratio | 13.3768% | 4,053 |
| Total risk-based capital ratio | 14.6069% | 3,991 |
| Memoranda: | ||
| Average total assets | $199,612,000 | 2,991 |
| Average earning assets | $188,591,000 | 2,952 |
| Average equity | $18,779,000 | 3,332 |
| Average total loans | $130,881,000 | 2,919 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,553 |
| Cost of funding earning assets | 0.6133% | 1,293 |
| Net interest margin | 3.5885% | 3,181 |
| Noninterest income to average assets | 0.6579% | 2,419 |
| Noninterest expense to average assets | 2.7011% | 3,575 |
| Loan and lease loss provision to assets | 0.0608% | 3,087 |
| Net operating income to assets | 1.2702% | 1,340 |
| Return on assets (ROA) | 1.2966% | 1,321 |
| Pretax return on assets | 1.2976% | 2,299 |
| Return on Equity (ROE) | 13.9126% | 855 |
| Retained earnings to average equity (ytd only) | 4.6285% | 2,689 |
| Net charge-offs to loans | 0.0473% | 3,269 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 1,091 |
| Efficiency ratio | 66.9725% | 3,754 |
| Assets per employee ($millions) | 5.1103% | 2,229 |
| Cash dividends to net income (ytd only)* | 66.7318% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 3,163 |
| Loan loss allowance to noncurrent loans | 143.9648% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 2,879 |
| Noncurrent loans to loans | 0.8688% | 2,615 |
| Net loans and leases to total assets | 64.7272% | 3,161 |
| Net loans and leases to deposits | 76.7280% | 3,180 |
| Net loans and leases to core deposits | 80.4894% | 3,294 |
| Total domestic deposits to total assets | 84.3593% | 3,349 |
| Equity capital to assets | 9.4616% | 4,596 |
| Core capital (leverage) ratio | 9.1494% | 4,687 |
| Tier 1 risk-based capital ratio | 13.7257% | 3,875 |
| Total risk-based capital ratio | 14.9474% | 3,821 |
| Memoranda: | ||
| Average total assets | $197,291,400 | 2,973 |
| Average earning assets | $185,566,000 | 2,937 |
| Average equity | $18,386,200 | 3,327 |
| Average total loans | $126,914,800 | 2,934 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 2,566 |
| Cost of funding earning assets | 0.6162% | 1,305 |
| Net interest margin | 3.5864% | 3,215 |
| Noninterest income to average assets | 0.6586% | 2,434 |
| Noninterest expense to average assets | 2.6986% | 3,565 |
| Loan and lease loss provision to assets | 0.0339% | 3,546 |
| Net operating income to assets | 1.2961% | 1,352 |
| Return on assets (ROA) | 1.2968% | 1,406 |
| Pretax return on assets | 1.2981% | 2,407 |
| Return on Equity (ROE) | 13.9691% | 915 |
| Retained earnings to average equity (ytd only) | 3.5616% | 3,934 |
| Net charge-offs to loans | -0.0074% | 4,906 |
| Credit loss provision to net charge-offs | -714.2857% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9637% | 3,719 |
| Assets per employee ($millions) | 5.1033% | 2,175 |
| Cash dividends to net income (ytd only)* | 74.5037% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 3,320 |
| Loan loss allowance to noncurrent loans | 203.3666% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,831 |
| Noncurrent loans to loans | 0.6187% | 3,463 |
| Net loans and leases to total assets | 64.3141% | 3,257 |
| Net loans and leases to deposits | 76.5024% | 3,243 |
| Net loans and leases to core deposits | 80.4029% | 3,396 |
| Total domestic deposits to total assets | 84.0681% | 3,397 |
| Equity capital to assets | 9.3992% | 4,880 |
| Core capital (leverage) ratio | 8.9975% | 4,998 |
| Tier 1 risk-based capital ratio | 13.6183% | 4,073 |
| Total risk-based capital ratio | 14.8527% | 4,009 |
| Memoranda: | ||
| Average total assets | $196,789,000 | 3,007 |
| Average earning assets | $184,989,750 | 2,973 |
| Average equity | $18,268,500 | 3,374 |
| Average total loans | $125,984,500 | 2,975 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,694 |
| Cost of funding earning assets | 0.6204% | 1,285 |
| Net interest margin | 3.5376% | 3,350 |
| Noninterest income to average assets | 0.6539% | 2,456 |
| Noninterest expense to average assets | 2.6902% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2834% | 1,367 |
| Return on assets (ROA) | 1.2844% | 1,428 |
| Pretax return on assets | 1.2865% | 2,413 |
| Return on Equity (ROE) | 13.8945% | 925 |
| Retained earnings to average equity (ytd only) | 1.3133% | 5,024 |
| Net charge-offs to loans | -0.0064% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6674% | 3,723 |
| Assets per employee ($millions) | 5.0433% | 2,221 |
| Cash dividends to net income (ytd only)* | 90.5481% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 3,609 |
| Loan loss allowance to noncurrent loans | 191.5049% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 3,874 |
| Noncurrent loans to loans | 0.6436% | 3,552 |
| Net loans and leases to total assets | 64.2890% | 3,229 |
| Net loans and leases to deposits | 76.5579% | 3,202 |
| Net loans and leases to core deposits | 80.5081% | 3,334 |
| Total domestic deposits to total assets | 83.9743% | 3,575 |
| Equity capital to assets | 9.2282% | 4,983 |
| Core capital (leverage) ratio | 8.9538% | 5,029 |
| Tier 1 risk-based capital ratio | 13.3830% | 4,285 |
| Total risk-based capital ratio | 14.5812% | 4,254 |
| Memoranda: | ||
| Average total assets | $196,042,670 | 3,034 |
| Average earning assets | $184,080,000 | 3,001 |
| Average equity | $18,122,330 | 3,409 |
| Average total loans | $124,768,000 | 3,002 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 2,931 |
| Cost of funding earning assets | 0.6315% | 1,225 |
| Net interest margin | 3.4448% | 3,645 |
| Noninterest income to average assets | 0.6336% | 2,479 |
| Noninterest expense to average assets | 2.6507% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2119% | 1,512 |
| Return on assets (ROA) | 1.2119% | 1,605 |
| Pretax return on assets | 1.2160% | 2,603 |
| Return on Equity (ROE) | 13.0992% | 1,062 |
| Retained earnings to average equity (ytd only) | -5.6770% | 5,976 |
| Net charge-offs to loans | -0.0065% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5518% | 3,732 |
| Assets per employee ($millions) | 5.0077% | 2,348 |
| Cash dividends to net income (ytd only)* | 143.3390% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 3,561 |
| Loan loss allowance to noncurrent loans | 118.9434% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 3,159 |
| Noncurrent loans to loans | 1.0704% | 2,623 |
| Net loans and leases to total assets | 62.5784% | 3,280 |
| Net loans and leases to deposits | 75.1006% | 3,159 |
| Net loans and leases to core deposits | 78.6004% | 3,319 |
| Total domestic deposits to total assets | 83.3261% | 4,073 |
| Equity capital to assets | 9.2934% | 4,980 |
| Core capital (leverage) ratio | 8.7678% | 5,243 |
| Tier 1 risk-based capital ratio | 13.3473% | 4,398 |
| Total risk-based capital ratio | 14.5667% | 4,336 |
| Memoranda: | ||
| Average total assets | $195,719,000 | 3,052 |
| Average earning assets | $183,697,500 | 3,016 |
| Average equity | $18,108,000 | 3,428 |
| Average total loans | $123,138,000 | 3,032 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,448 |
| Cost of funding earning assets | 0.6913% | 1,145 |
| Net interest margin | 3.3755% | 4,296 |
| Noninterest income to average assets | 0.6165% | 2,759 |
| Noninterest expense to average assets | 2.6918% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0852% | 2,035 |
| Return on assets (ROA) | 1.0857% | 2,085 |
| Pretax return on assets | 1.0867% | 3,136 |
| Return on Equity (ROE) | 12.1294% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.6082% | 3,648 |
| Net charge-offs to loans | 0.0134% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 131.3750% | 408 |
| Efficiency ratio | 71.2488% | 3,333 |
| Assets per employee ($millions) | 4.6700% | 2,769 |
| Cash dividends to net income (ytd only)* | 70.2523% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 3,511 |
| Loan loss allowance to noncurrent loans | 125.1192% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 3,332 |
| Noncurrent loans to loans | 1.0271% | 2,772 |
| Net loans and leases to total assets | 61.6456% | 3,548 |
| Net loans and leases to deposits | 74.7162% | 3,348 |
| Net loans and leases to core deposits | 78.0897% | 3,510 |
| Total domestic deposits to total assets | 82.5063% | 4,246 |
| Equity capital to assets | 9.2108% | 5,059 |
| Core capital (leverage) ratio | 8.9951% | 5,012 |
| Tier 1 risk-based capital ratio | 13.6972% | 4,300 |
| Total risk-based capital ratio | 14.9286% | 4,244 |
| Memoranda: | ||
| Average total assets | $193,517,000 | 3,064 |
| Average earning assets | $181,245,400 | 3,025 |
| Average equity | $17,321,600 | 3,484 |
| Average total loans | $119,557,800 | 3,051 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,584 |
| Cost of funding earning assets | 0.6981% | 1,161 |
| Net interest margin | 3.3452% | 4,451 |
| Noninterest income to average assets | 0.6063% | 2,831 |
| Noninterest expense to average assets | 2.6775% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0646% | 2,173 |
| Return on assets (ROA) | 1.0653% | 2,240 |
| Pretax return on assets | 1.0667% | 3,311 |
| Return on Equity (ROE) | 11.9904% | 1,483 |
| Retained earnings to average equity (ytd only) | 2.4043% | 4,855 |
| Net charge-offs to loans | 0.0168% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 102.7975% | 579 |
| Efficiency ratio | 71.5235% | 3,265 |
| Assets per employee ($millions) | 4.5381% | 2,900 |
| Cash dividends to net income (ytd only)* | 79.9481% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 3,574 |
| Loan loss allowance to noncurrent loans | 95.2237% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 3,087 |
| Noncurrent loans to loans | 1.3808% | 2,341 |
| Net loans and leases to total assets | 62.0212% | 3,482 |
| Net loans and leases to deposits | 74.3670% | 3,390 |
| Net loans and leases to core deposits | 77.3787% | 3,596 |
| Total domestic deposits to total assets | 83.3988% | 3,996 |
| Equity capital to assets | 9.2969% | 5,038 |
| Core capital (leverage) ratio | 8.8490% | 5,267 |
| Tier 1 risk-based capital ratio | 13.8440% | 4,325 |
| Total risk-based capital ratio | 15.0945% | 4,260 |
| Memoranda: | ||
| Average total assets | $192,861,500 | 3,093 |
| Average earning assets | $180,872,500 | 3,046 |
| Average equity | $17,135,500 | 3,526 |
| Average total loans | $118,826,000 | 3,083 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,687 |
| Cost of funding earning assets | 0.7068% | 1,159 |
| Net interest margin | 3.3056% | 4,562 |
| Noninterest income to average assets | 0.5774% | 2,946 |
| Noninterest expense to average assets | 2.6413% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0309% | 2,199 |
| Return on assets (ROA) | 1.0319% | 2,260 |
| Pretax return on assets | 1.0340% | 3,345 |
| Return on Equity (ROE) | 11.7941% | 1,482 |
| Retained earnings to average equity (ytd only) | 0.0354% | 5,668 |
| Net charge-offs to loans | -0.0051% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8864% | 3,364 |
| Assets per employee ($millions) | 5.0530% | 2,144 |
| Cash dividends to net income (ytd only)* | 99.6997% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 3,814 |
| Loan loss allowance to noncurrent loans | 87.3355% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 3,137 |
| Noncurrent loans to loans | 1.4979% | 2,324 |
| Net loans and leases to total assets | 60.9820% | 3,569 |
| Net loans and leases to deposits | 72.4131% | 3,520 |
| Net loans and leases to core deposits | 75.2120% | 3,711 |
| Total domestic deposits to total assets | 84.2141% | 3,851 |
| Equity capital to assets | 8.8102% | 5,512 |
| Core capital (leverage) ratio | 8.7595% | 5,327 |
| Tier 1 risk-based capital ratio | 13.2530% | 4,753 |
| Total risk-based capital ratio | 14.5032% | 4,688 |
| Memoranda: | ||
| Average total assets | $193,615,000 | 3,107 |
| Average earning assets | $181,391,670 | 3,064 |
| Average equity | $16,940,670 | 3,550 |
| Average total loans | $118,505,330 | 3,091 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 3,752 |
| Cost of funding earning assets | 0.7134% | 1,166 |
| Net interest margin | 3.2714% | 4,664 |
| Noninterest income to average assets | 0.5357% | 3,141 |
| Noninterest expense to average assets | 2.6036% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9964% | 2,225 |
| Return on assets (ROA) | 0.9964% | 2,284 |
| Pretax return on assets | 1.0006% | 3,315 |
| Return on Equity (ROE) | 11.4286% | 1,562 |
| Retained earnings to average equity (ytd only) | -6.9337% | 6,238 |
| Net charge-offs to loans | -0.0034% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2383% | 3,445 |
| Assets per employee ($millions) | 4.9417% | 2,318 |
| Cash dividends to net income (ytd only)* | 160.6695% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,834 |
| Loan loss allowance to noncurrent loans | 81.7575% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 3,150 |
| Noncurrent loans to loans | 1.6555% | 2,342 |
| Net loans and leases to total assets | 60.1656% | 3,539 |
| Net loans and leases to deposits | 74.9670% | 2,948 |
| Net loans and leases to core deposits | 77.5071% | 3,247 |
| Total domestic deposits to total assets | 80.2561% | 5,436 |
| Equity capital to assets | 8.7092% | 5,439 |
| Core capital (leverage) ratio | 8.6895% | 5,397 |
| Tier 1 risk-based capital ratio | 13.2858% | 4,832 |
| Total risk-based capital ratio | 14.5364% | 4,762 |
| Memoranda: | ||
| Average total assets | $191,888,500 | 3,141 |
| Average earning assets | $179,985,000 | 3,100 |
| Average equity | $16,730,000 | 3,587 |
| Average total loans | $116,873,500 | 3,140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 4,056 |
| Cost of funding earning assets | 0.7912% | 1,261 |
| Net interest margin | 3.2197% | 4,932 |
| Noninterest income to average assets | 0.7849% | 2,146 |
| Noninterest expense to average assets | 2.6902% | 4,129 |
| Loan and lease loss provision to assets | 0.0516% | 4,104 |
| Net operating income to assets | 1.0545% | 2,097 |
| Return on assets (ROA) | 1.0609% | 2,154 |
| Pretax return on assets | 1.0641% | 3,093 |
| Return on Equity (ROE) | 11.5718% | 1,564 |
| Retained earnings to average equity (ytd only) | 2.6972% | 4,319 |
| Net charge-offs to loans | 0.0423% | 4,624 |
| Credit loss provision to net charge-offs | 202.0833% | 1,133 |
| Earnings coverage of net charge-offs (x) | 43.4583% | 885 |
| Efficiency ratio | 70.8048% | 3,700 |
| Assets per employee ($millions) | 4.8987% | 2,313 |
| Cash dividends to net income (ytd only)* | 76.6917% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 3,803 |
| Loan loss allowance to noncurrent loans | 61.2717% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 2,648 |
| Noncurrent loans to loans | 2.2332% | 1,738 |
| Net loans and leases to total assets | 59.9898% | 3,723 |
| Net loans and leases to deposits | 74.3719% | 3,207 |
| Net loans and leases to core deposits | 76.8988% | 3,504 |
| Total domestic deposits to total assets | 80.6620% | 5,280 |
| Equity capital to assets | 8.7281% | 5,334 |
| Core capital (leverage) ratio | 8.8920% | 5,152 |
| Tier 1 risk-based capital ratio | 13.6328% | 4,564 |
| Total risk-based capital ratio | 14.8836% | 4,510 |
| Memoranda: | ||
| Average total assets | $188,051,200 | 3,184 |
| Average earning assets | $176,070,800 | 3,130 |
| Average equity | $17,240,200 | 3,531 |
| Average total loans | $113,483,400 | 3,177 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 4,038 |
| Cost of funding earning assets | 0.8032% | 1,300 |
| Net interest margin | 3.2204% | 4,931 |
| Noninterest income to average assets | 0.8407% | 1,974 |
| Noninterest expense to average assets | 2.7363% | 3,880 |
| Loan and lease loss provision to assets | 0.0392% | 4,225 |
| Net operating income to assets | 1.0749% | 2,099 |
| Return on assets (ROA) | 1.0827% | 2,156 |
| Pretax return on assets | 1.0870% | 3,164 |
| Return on Equity (ROE) | 11.6673% | 1,589 |
| Retained earnings to average equity (ytd only) | 1.5111% | 5,375 |
| Net charge-offs to loans | 0.0603% | 4,044 |
| Credit loss provision to net charge-offs | 107.8431% | 2,176 |
| Earnings coverage of net charge-offs (x) | 30.8031% | 1,218 |
| Efficiency ratio | 70.9880% | 3,605 |
| Assets per employee ($millions) | 4.8492% | 2,367 |
| Cash dividends to net income (ytd only)* | 87.0480% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 4,053 |
| Loan loss allowance to noncurrent loans | 56.1002% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 2,718 |
| Noncurrent loans to loans | 2.4331% | 1,798 |
| Net loans and leases to total assets | 59.0348% | 3,850 |
| Net loans and leases to deposits | 72.7772% | 3,428 |
| Net loans and leases to core deposits | 75.2560% | 3,704 |
| Total domestic deposits to total assets | 81.1172% | 5,186 |
| Equity capital to assets | 8.8235% | 5,395 |
| Core capital (leverage) ratio | 8.8587% | 5,311 |
| Tier 1 risk-based capital ratio | 13.7785% | 4,584 |
| Total risk-based capital ratio | 15.0289% | 4,536 |
| Memoranda: | ||
| Average total assets | $187,301,750 | 3,224 |
| Average earning assets | $175,293,000 | 3,171 |
| Average equity | $17,381,500 | 3,548 |
| Average total loans | $112,804,250 | 3,211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 4,055 |
| Cost of funding earning assets | 0.8176% | 1,327 |
| Net interest margin | 3.1939% | 4,969 |
| Noninterest income to average assets | 0.9149% | 1,767 |
| Noninterest expense to average assets | 2.7660% | 3,797 |
| Loan and lease loss provision to assets | 0.0096% | 4,673 |
| Net operating income to assets | 1.1206% | 1,862 |
| Return on assets (ROA) | 1.1302% | 1,930 |
| Pretax return on assets | 1.1366% | 2,939 |
| Return on Equity (ROE) | 11.9798% | 1,502 |
| Retained earnings to average equity (ytd only) | -0.7381% | 6,001 |
| Net charge-offs to loans | 0.0923% | 3,441 |
| Credit loss provision to net charge-offs | 17.3077% | 3,786 |
| Earnings coverage of net charge-offs (x) | 20.4038% | 1,467 |
| Efficiency ratio | 70.8757% | 3,664 |
| Assets per employee ($millions) | 4.7796% | 2,410 |
| Cash dividends to net income (ytd only)* | 106.1611% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,405 |
| Loan loss allowance to noncurrent loans | 57.3287% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5917% | 2,726 |
| Noncurrent loans to loans | 2.3027% | 2,052 |
| Net loans and leases to total assets | 60.0730% | 3,644 |
| Net loans and leases to deposits | 74.0788% | 3,137 |
| Net loans and leases to core deposits | 76.6355% | 3,469 |
| Total domestic deposits to total assets | 81.0933% | 5,318 |
| Equity capital to assets | 9.2369% | 4,937 |
| Core capital (leverage) ratio | 8.7673% | 5,332 |
| Tier 1 risk-based capital ratio | 13.5875% | 4,718 |
| Total risk-based capital ratio | 14.8320% | 4,682 |
| Memoranda: | ||
| Average total assets | $186,696,000 | 3,248 |
| Average earning assets | $174,647,670 | 3,195 |
| Average equity | $17,613,000 | 3,537 |
| Average total loans | $112,675,330 | 3,220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 4,162 |
| Cost of funding earning assets | 0.8338% | 1,346 |
| Net interest margin | 3.1564% | 5,069 |
| Noninterest income to average assets | 0.7472% | 2,348 |
| Noninterest expense to average assets | 2.5904% | 4,431 |
| Loan and lease loss provision to assets | 0.0193% | 4,228 |
| Net operating income to assets | 1.0749% | 1,953 |
| Return on assets (ROA) | 1.0940% | 1,987 |
| Pretax return on assets | 1.1068% | 2,933 |
| Return on Equity (ROE) | 11.4764% | 1,565 |
| Retained earnings to average equity (ytd only) | -8.3546% | 6,543 |
| Net charge-offs to loans | -0.0214% | 5,745 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0637% | 3,959 |
| Assets per employee ($millions) | 4.8245% | 2,448 |
| Cash dividends to net income (ytd only)* | 172.7984% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,283 |
| Loan loss allowance to noncurrent loans | 91.5294% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 3,633 |
| Noncurrent loans to loans | 1.5206% | 3,265 |
| Net loans and leases to total assets | 58.5897% | 3,679 |
| Net loans and leases to deposits | 73.0724% | 3,037 |
| Net loans and leases to core deposits | 75.2615% | 3,423 |
| Total domestic deposits to total assets | 80.1803% | 5,717 |
| Equity capital to assets | 9.2753% | 5,168 |
| Core capital (leverage) ratio | 8.5322% | 5,545 |
| Tier 1 risk-based capital ratio | 13.4776% | 4,886 |
| Total risk-based capital ratio | 14.7282% | 4,852 |
| Memoranda: | ||
| Average total assets | $186,841,500 | 3,274 |
| Average earning assets | $174,630,000 | 3,214 |
| Average equity | $17,810,500 | 3,552 |
| Average total loans | $112,274,500 | 3,246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,963 |
| Cost of funding earning assets | 1.0111% | 1,295 |
| Net interest margin | 3.3536% | 5,056 |
| Noninterest income to average assets | 0.8262% | 2,149 |
| Noninterest expense to average assets | 2.6077% | 4,713 |
| Loan and lease loss provision to assets | 0.0506% | 5,183 |
| Net operating income to assets | 1.2882% | 1,338 |
| Return on assets (ROA) | 1.3025% | 1,437 |
| Pretax return on assets | 1.3036% | 2,382 |
| Return on Equity (ROE) | 13.5618% | 1,090 |
| Retained earnings to average equity (ytd only) | 4.5874% | 2,997 |
| Net charge-offs to loans | 0.3431% | 2,917 |
| Credit loss provision to net charge-offs | 24.4681% | 5,215 |
| Earnings coverage of net charge-offs (x) | 6.4787% | 2,808 |
| Efficiency ratio | 66.0582% | 4,494 |
| Assets per employee ($millions) | 4.7571% | 2,571 |
| Cash dividends to net income (ytd only)* | 66.1740% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,324 |
| Loan loss allowance to noncurrent loans | 116.2142% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,026 |
| Noncurrent loans to loans | 1.1760% | 3,888 |
| Net loans and leases to total assets | 59.9438% | 3,614 |
| Net loans and leases to deposits | 74.7955% | 2,990 |
| Net loans and leases to core deposits | 77.6430% | 3,310 |
| Total domestic deposits to total assets | 80.1436% | 5,624 |
| Equity capital to assets | 9.7932% | 4,460 |
| Core capital (leverage) ratio | 8.8787% | 5,063 |
| Tier 1 risk-based capital ratio | 13.6437% | 4,643 |
| Total risk-based capital ratio | 14.8968% | 4,590 |
| Memoranda: | ||
| Average total assets | $181,807,000 | 3,287 |
| Average earning assets | $169,220,600 | 3,240 |
| Average equity | $17,460,800 | 3,545 |
| Average total loans | $109,586,000 | 3,305 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 4,069 |
| Cost of funding earning assets | 1.0470% | 1,295 |
| Net interest margin | 3.3483% | 5,219 |
| Noninterest income to average assets | 0.8153% | 2,174 |
| Noninterest expense to average assets | 2.5903% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3423% | 1,344 |
| Return on assets (ROA) | 1.3615% | 1,438 |
| Pretax return on assets | 1.3630% | 2,365 |
| Return on Equity (ROE) | 14.2481% | 1,057 |
| Retained earnings to average equity (ytd only) | 3.9111% | 4,134 |
| Net charge-offs to loans | -0.0699% | 6,782 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8422% | 4,474 |
| Assets per employee ($millions) | 4.7975% | 2,452 |
| Cash dividends to net income (ytd only)* | 72.5499% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 3,192 |
| Loan loss allowance to noncurrent loans | 111.5590% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 3,651 |
| Noncurrent loans to loans | 1.5132% | 3,519 |
| Net loans and leases to total assets | 60.1232% | 3,756 |
| Net loans and leases to deposits | 75.3701% | 3,084 |
| Net loans and leases to core deposits | 78.2969% | 3,414 |
| Total domestic deposits to total assets | 79.7706% | 5,715 |
| Equity capital to assets | 9.7425% | 4,867 |
| Core capital (leverage) ratio | 8.8070% | 5,338 |
| Tier 1 risk-based capital ratio | 13.5729% | 4,837 |
| Total risk-based capital ratio | 14.8296% | 4,795 |
| Memoranda: | ||
| Average total assets | $180,877,000 | 3,335 |
| Average earning assets | $168,478,250 | 3,282 |
| Average equity | $17,283,750 | 3,614 |
| Average total loans | $108,794,250 | 3,348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 4,185 |
| Cost of funding earning assets | 1.0825% | 1,297 |
| Net interest margin | 3.3178% | 5,401 |
| Noninterest income to average assets | 0.7273% | 2,523 |
| Noninterest expense to average assets | 2.5543% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2594% | 1,545 |
| Return on assets (ROA) | 1.2672% | 1,690 |
| Pretax return on assets | 1.2694% | 2,651 |
| Return on Equity (ROE) | 13.3492% | 1,266 |
| Retained earnings to average equity (ytd only) | 1.2730% | 5,561 |
| Net charge-offs to loans | -0.1020% | 6,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9378% | 4,333 |
| Assets per employee ($millions) | 4.7664% | 2,489 |
| Cash dividends to net income (ytd only)* | 90.4637% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 3,060 |
| Loan loss allowance to noncurrent loans | 115.2667% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 3,655 |
| Noncurrent loans to loans | 1.5116% | 3,637 |
| Net loans and leases to total assets | 58.5351% | 4,075 |
| Net loans and leases to deposits | 73.4612% | 3,388 |
| Net loans and leases to core deposits | 76.6052% | 3,705 |
| Total domestic deposits to total assets | 79.6817% | 5,820 |
| Equity capital to assets | 9.5753% | 4,941 |
| Core capital (leverage) ratio | 8.7966% | 5,218 |
| Tier 1 risk-based capital ratio | 13.5885% | 4,755 |
| Total risk-based capital ratio | 14.8455% | 4,717 |
| Memoranda: | ||
| Average total assets | $180,401,330 | 3,349 |
| Average earning assets | $167,941,000 | 3,293 |
| Average equity | $17,124,670 | 3,622 |
| Average total loans | $107,896,000 | 3,382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 4,240 |
| Cost of funding earning assets | 1.1223% | 1,286 |
| Net interest margin | 3.2977% | 5,489 |
| Noninterest income to average assets | 0.5954% | 3,259 |
| Noninterest expense to average assets | 2.5328% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1264% | 1,964 |
| Return on assets (ROA) | 1.1264% | 2,154 |
| Pretax return on assets | 1.1309% | 3,194 |
| Return on Equity (ROE) | 11.9185% | 1,694 |
| Retained earnings to average equity (ytd only) | -5.8535% | 6,645 |
| Net charge-offs to loans | 0.0927% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 20.3600% | 1,192 |
| Efficiency ratio | 69.1328% | 3,958 |
| Assets per employee ($millions) | 4.7643% | 2,564 |
| Cash dividends to net income (ytd only)* | 149.1124% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,425 |
| Loan loss allowance to noncurrent loans | 107.5912% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 3,698 |
| Noncurrent loans to loans | 1.5628% | 3,769 |
| Net loans and leases to total assets | 58.1376% | 4,012 |
| Net loans and leases to deposits | 73.7574% | 3,149 |
| Net loans and leases to core deposits | 76.9193% | 3,484 |
| Total domestic deposits to total assets | 78.8227% | 6,119 |
| Equity capital to assets | 9.4160% | 4,932 |
| Core capital (leverage) ratio | 8.5354% | 5,531 |
| Tier 1 risk-based capital ratio | 13.2070% | 5,063 |
| Total risk-based capital ratio | 14.4632% | 5,032 |
| Memoranda: | ||
| Average total assets | $180,041,000 | 3,379 |
| Average earning assets | $167,511,000 | 3,324 |
| Average equity | $17,015,500 | 3,647 |
| Average total loans | $107,894,000 | 3,411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 3,911 |
| Cost of funding earning assets | 1.2866% | 1,542 |
| Net interest margin | 3.4908% | 5,179 |
| Noninterest income to average assets | 0.7154% | 2,516 |
| Noninterest expense to average assets | 2.5454% | 5,314 |
| Loan and lease loss provision to assets | 0.2874% | 3,362 |
| Net operating income to assets | 1.1176% | 1,766 |
| Return on assets (ROA) | 1.1205% | 1,878 |
| Pretax return on assets | 1.1240% | 2,749 |
| Return on Equity (ROE) | 11.8312% | 1,453 |
| Retained earnings to average equity (ytd only) | 3.4616% | 3,755 |
| Net charge-offs to loans | 0.3355% | 3,717 |
| Credit loss provision to net charge-offs | 135.2617% | 2,218 |
| Earnings coverage of net charge-offs (x) | 6.6281% | 2,476 |
| Efficiency ratio | 64.3767% | 5,060 |
| Assets per employee ($millions) | 4.7116% | 2,581 |
| Cash dividends to net income (ytd only)* | 70.7419% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 3,285 |
| Loan loss allowance to noncurrent loans | 88.7214% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.6326% | 3,508 |
| Noncurrent loans to loans | 1.8918% | 3,355 |
| Net loans and leases to total assets | 59.7127% | 4,042 |
| Net loans and leases to deposits | 75.0060% | 3,344 |
| Net loans and leases to core deposits | 77.3559% | 3,768 |
| Total domestic deposits to total assets | 79.6106% | 5,841 |
| Equity capital to assets | 9.4862% | 4,909 |
| Core capital (leverage) ratio | 8.7851% | 5,125 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,832 |
| Total risk-based capital ratio | 14.5574% | 4,813 |
| Memoranda: | ||
| Average total assets | $170,817,000 | 3,476 |
| Average earning assets | $158,474,200 | 3,435 |
| Average equity | $16,177,600 | 3,693 |
| Average total loans | $108,197,200 | 3,424 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 3,836 |
| Cost of funding earning assets | 1.3158% | 1,617 |
| Net interest margin | 3.5230% | 5,094 |
| Noninterest income to average assets | 0.6913% | 2,657 |
| Noninterest expense to average assets | 2.5163% | 5,410 |
| Loan and lease loss provision to assets | 0.3879% | 2,531 |
| Net operating income to assets | 1.0508% | 2,137 |
| Return on assets (ROA) | 1.0547% | 2,261 |
| Pretax return on assets | 1.0571% | 3,181 |
| Return on Equity (ROE) | 11.1415% | 1,815 |
| Retained earnings to average equity (ytd only) | 1.9445% | 5,164 |
| Net charge-offs to loans | 0.1579% | 4,513 |
| Credit loss provision to net charge-offs | 383.5938% | 739 |
| Earnings coverage of net charge-offs (x) | 14.2502% | 1,548 |
| Efficiency ratio | 63.5855% | 5,140 |
| Assets per employee ($millions) | 4.6057% | 2,744 |
| Cash dividends to net income (ytd only)* | 82.5468% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,692 |
| Loan loss allowance to noncurrent loans | 72.6119% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.9707% | 3,179 |
| Noncurrent loans to loans | 2.5852% | 2,679 |
| Net loans and leases to total assets | 61.5273% | 3,837 |
| Net loans and leases to deposits | 78.5272% | 2,885 |
| Net loans and leases to core deposits | 80.6897% | 3,532 |
| Total domestic deposits to total assets | 78.3516% | 6,122 |
| Equity capital to assets | 9.5232% | 5,044 |
| Core capital (leverage) ratio | 8.8442% | 5,189 |
| Tier 1 risk-based capital ratio | 13.1234% | 5,006 |
| Total risk-based capital ratio | 14.3815% | 4,979 |
| Memoranda: | ||
| Average total assets | $168,761,500 | 3,541 |
| Average earning assets | $156,454,500 | 3,492 |
| Average equity | $15,976,000 | 3,745 |
| Average total loans | $108,063,000 | 3,461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 3,788 |
| Cost of funding earning assets | 1.3485% | 1,658 |
| Net interest margin | 3.5158% | 5,086 |
| Noninterest income to average assets | 0.6756% | 2,678 |
| Noninterest expense to average assets | 2.5942% | 5,213 |
| Loan and lease loss provision to assets | 0.5892% | 1,642 |
| Net operating income to assets | 0.7452% | 3,314 |
| Return on assets (ROA) | 0.7476% | 3,428 |
| Pretax return on assets | 0.7512% | 4,210 |
| Return on Equity (ROE) | 7.9133% | 2,980 |
| Retained earnings to average equity (ytd only) | -3.7979% | 6,455 |
| Net charge-offs to loans | 0.1637% | 4,192 |
| Credit loss provision to net charge-offs | 557.9545% | 554 |
| Earnings coverage of net charge-offs (x) | 12.6705% | 1,608 |
| Efficiency ratio | 65.9750% | 4,878 |
| Assets per employee ($millions) | 4.4816% | 2,874 |
| Cash dividends to net income (ytd only)* | 147.9936% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 2,537 |
| Loan loss allowance to noncurrent loans | 71.9671% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.0775% | 3,145 |
| Noncurrent loans to loans | 2.6962% | 2,701 |
| Net loans and leases to total assets | 62.3175% | 3,825 |
| Net loans and leases to deposits | 78.9179% | 2,976 |
| Net loans and leases to core deposits | 81.1289% | 3,633 |
| Total domestic deposits to total assets | 78.9650% | 6,098 |
| Equity capital to assets | 9.3281% | 5,106 |
| Core capital (leverage) ratio | 8.8230% | 5,010 |
| Tier 1 risk-based capital ratio | 12.8033% | 5,092 |
| Total risk-based capital ratio | 14.0610% | 5,055 |
| Memoranda: | ||
| Average total assets | $166,677,000 | 3,589 |
| Average earning assets | $154,390,330 | 3,554 |
| Average equity | $15,745,670 | 3,775 |
| Average total loans | $107,503,330 | 3,518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 3,975 |
| Cost of funding earning assets | 1.3624% | 1,820 |
| Net interest margin | 3.4556% | 5,197 |
| Noninterest income to average assets | 0.5969% | 3,192 |
| Noninterest expense to average assets | 2.6155% | 5,165 |
| Loan and lease loss provision to assets | 0.1068% | 4,677 |
| Net operating income to assets | 1.0821% | 1,900 |
| Return on assets (ROA) | 1.0821% | 1,952 |
| Pretax return on assets | 1.0870% | 2,806 |
| Return on Equity (ROE) | 11.3808% | 1,629 |
| Retained earnings to average equity (ytd only) | -6.8642% | 6,671 |
| Net charge-offs to loans | 0.0261% | 4,722 |
| Credit loss provision to net charge-offs | 628.5714% | 597 |
| Earnings coverage of net charge-offs (x) | 70.2857% | 436 |
| Efficiency ratio | 68.6624% | 4,525 |
| Assets per employee ($millions) | 4.3479% | 3,135 |
| Cash dividends to net income (ytd only)* | 160.3139% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 3,734 |
| Loan loss allowance to noncurrent loans | 60.8208% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.1050% | 3,185 |
| Noncurrent loans to loans | 2.6280% | 2,870 |
| Net loans and leases to total assets | 64.6119% | 3,330 |
| Net loans and leases to deposits | 82.4545% | 2,281 |
| Net loans and leases to core deposits | 84.8728% | 3,052 |
| Total domestic deposits to total assets | 78.3606% | 6,327 |
| Equity capital to assets | 9.3759% | 4,612 |
| Core capital (leverage) ratio | 9.0030% | 4,609 |
| Tier 1 risk-based capital ratio | 12.8091% | 4,971 |
| Total risk-based capital ratio | 14.0630% | 4,952 |
| Memoranda: | ||
| Average total assets | $164,864,500 | 3,635 |
| Average earning assets | $153,258,500 | 3,590 |
| Average equity | $15,675,500 | 3,784 |
| Average total loans | $107,141,000 | 3,559 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 2,726 |
| Cost of funding earning assets | 1.5861% | 2,152 |
| Net interest margin | 3.8031% | 3,933 |
| Noninterest income to average assets | 0.6859% | 2,926 |
| Noninterest expense to average assets | 2.7457% | 4,800 |
| Loan and lease loss provision to assets | 0.2987% | 4,413 |
| Net operating income to assets | 1.1493% | 1,544 |
| Return on assets (ROA) | 1.1505% | 1,624 |
| Pretax return on assets | 1.1580% | 2,368 |
| Return on Equity (ROE) | 11.8672% | 1,341 |
| Retained earnings to average equity (ytd only) | 3.4798% | 3,435 |
| Net charge-offs to loans | 0.3068% | 4,483 |
| Credit loss provision to net charge-offs | 147.3846% | 2,486 |
| Earnings coverage of net charge-offs (x) | 7.1815% | 2,184 |
| Efficiency ratio | 65.3555% | 5,095 |
| Assets per employee ($millions) | 4.3291% | 3,157 |
| Cash dividends to net income (ytd only)* | 70.6775% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 3,554 |
| Loan loss allowance to noncurrent loans | 87.9730% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.5860% | 3,926 |
| Noncurrent loans to loans | 1.8233% | 3,786 |
| Net loans and leases to total assets | 63.2788% | 4,017 |
| Net loans and leases to deposits | 80.1358% | 3,149 |
| Net loans and leases to core deposits | 82.4715% | 3,824 |
| Total domestic deposits to total assets | 78.9644% | 6,087 |
| Equity capital to assets | 9.6409% | 4,221 |
| Core capital (leverage) ratio | 9.1527% | 4,256 |
| Tier 1 risk-based capital ratio | 13.3789% | 4,309 |
| Total risk-based capital ratio | 14.6333% | 4,261 |
| Memoranda: | ||
| Average total assets | $160,361,600 | 3,689 |
| Average earning assets | $148,221,400 | 3,655 |
| Average equity | $15,547,000 | 3,855 |
| Average total loans | $105,930,600 | 3,627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 2,666 |
| Cost of funding earning assets | 1.6314% | 2,205 |
| Net interest margin | 3.8142% | 3,909 |
| Noninterest income to average assets | 0.6804% | 2,944 |
| Noninterest expense to average assets | 2.7875% | 4,545 |
| Loan and lease loss provision to assets | 0.2452% | 4,641 |
| Net operating income to assets | 1.1590% | 1,709 |
| Return on assets (ROA) | 1.1590% | 1,805 |
| Pretax return on assets | 1.1674% | 2,609 |
| Return on Equity (ROE) | 11.9377% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.4220% | 4,726 |
| Net charge-offs to loans | 0.0642% | 5,874 |
| Credit loss provision to net charge-offs | 574.5098% | 505 |
| Earnings coverage of net charge-offs (x) | 33.0972% | 811 |
| Efficiency ratio | 66.3678% | 4,777 |
| Assets per employee ($millions) | 4.2121% | 3,431 |
| Cash dividends to net income (ytd only)* | 79.7110% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,377 |
| Loan loss allowance to noncurrent loans | 68.5484% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.9899% | 3,480 |
| Noncurrent loans to loans | 2.3905% | 3,246 |
| Net loans and leases to total assets | 66.9420% | 3,475 |
| Net loans and leases to deposits | 86.0875% | 2,324 |
| Net loans and leases to core deposits | 88.8170% | 3,261 |
| Total domestic deposits to total assets | 77.7604% | 6,304 |
| Equity capital to assets | 9.8969% | 4,293 |
| Core capital (leverage) ratio | 9.2507% | 4,276 |
| Tier 1 risk-based capital ratio | 12.8710% | 4,673 |
| Total risk-based capital ratio | 14.1259% | 4,662 |
| Memoranda: | ||
| Average total assets | $159,325,250 | 3,769 |
| Average earning assets | $147,026,250 | 3,734 |
| Average equity | $15,468,750 | 3,914 |
| Average total loans | $105,964,500 | 3,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 2,926 |
| Cost of funding earning assets | 1.6516% | 2,378 |
| Net interest margin | 3.7604% | 4,089 |
| Noninterest income to average assets | 0.6751% | 2,846 |
| Noninterest expense to average assets | 2.7445% | 4,721 |
| Loan and lease loss provision to assets | 0.2653% | 4,271 |
| Net operating income to assets | 1.1189% | 1,787 |
| Return on assets (ROA) | 1.1189% | 1,855 |
| Pretax return on assets | 1.1290% | 2,677 |
| Return on Equity (ROE) | 11.6001% | 1,561 |
| Retained earnings to average equity (ytd only) | 0.0261% | 5,724 |
| Net charge-offs to loans | 0.0876% | 5,264 |
| Credit loss provision to net charge-offs | 458.6957% | 797 |
| Earnings coverage of net charge-offs (x) | 24.1087% | 1,088 |
| Efficiency ratio | 66.3123% | 4,926 |
| Assets per employee ($millions) | 4.2265% | 3,337 |
| Cash dividends to net income (ytd only)* | 99.7753% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 3,540 |
| Loan loss allowance to noncurrent loans | 63.1423% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.1157% | 3,358 |
| Noncurrent loans to loans | 2.5014% | 3,149 |
| Net loans and leases to total assets | 66.2680% | 3,779 |
| Net loans and leases to deposits | 82.6045% | 3,162 |
| Net loans and leases to core deposits | 85.1251% | 3,971 |
| Total domestic deposits to total assets | 80.2232% | 5,661 |
| Equity capital to assets | 9.5855% | 4,576 |
| Core capital (leverage) ratio | 9.1847% | 4,324 |
| Tier 1 risk-based capital ratio | 12.7221% | 4,668 |
| Total risk-based capital ratio | 13.9750% | 4,636 |
| Memoranda: | ||
| Average total assets | $159,080,000 | 3,808 |
| Average earning assets | $146,526,000 | 3,773 |
| Average equity | $15,344,670 | 3,926 |
| Average total loans | $104,975,000 | 3,742 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 3,215 |
| Cost of funding earning assets | 1.6760% | 2,505 |
| Net interest margin | 3.6888% | 4,309 |
| Noninterest income to average assets | 0.5508% | 3,646 |
| Noninterest expense to average assets | 2.6125% | 5,301 |
| Loan and lease loss provision to assets | 0.1895% | 4,602 |
| Net operating income to assets | 1.1092% | 1,802 |
| Return on assets (ROA) | 1.1092% | 1,885 |
| Pretax return on assets | 1.1243% | 2,657 |
| Return on Equity (ROE) | 11.4625% | 1,652 |
| Retained earnings to average equity (ytd only) | -6.5798% | 6,696 |
| Net charge-offs to loans | 0.1122% | 4,310 |
| Credit loss provision to net charge-offs | 258.6207% | 1,506 |
| Earnings coverage of net charge-offs (x) | 17.9310% | 1,252 |
| Efficiency ratio | 66.5380% | 4,997 |
| Assets per employee ($millions) | 4.1342% | 3,592 |
| Cash dividends to net income (ytd only)* | 157.4032% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,629 |
| Loan loss allowance to noncurrent loans | 78.6634% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 3,665 |
| Noncurrent loans to loans | 1.9801% | 3,815 |
| Net loans and leases to total assets | 63.9270% | 4,349 |
| Net loans and leases to deposits | 79.5703% | 3,732 |
| Net loans and leases to core deposits | 82.2587% | 4,448 |
| Total domestic deposits to total assets | 80.3403% | 5,666 |
| Equity capital to assets | 9.6392% | 4,322 |
| Core capital (leverage) ratio | 9.0564% | 4,462 |
| Tier 1 risk-based capital ratio | 13.0349% | 4,308 |
| Total risk-based capital ratio | 14.2875% | 4,279 |
| Memoranda: | ||
| Average total assets | $158,316,500 | 3,879 |
| Average earning assets | $144,870,000 | 3,854 |
| Average equity | $15,319,500 | 3,957 |
| Average total loans | $103,393,000 | 3,842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0186% | 1,794 |
| Cost of funding earning assets | 1.9718% | 3,095 |
| Net interest margin | 4.0467% | 2,666 |
| Noninterest income to average assets | 0.6434% | 3,334 |
| Noninterest expense to average assets | 2.7330% | 5,230 |
| Loan and lease loss provision to assets | 0.4478% | 4,140 |
| Net operating income to assets | 1.1991% | 1,243 |
| Return on assets (ROA) | 1.1998% | 1,295 |
| Pretax return on assets | 1.2042% | 1,939 |
| Return on Equity (ROE) | 12.7139% | 1,023 |
| Retained earnings to average equity (ytd only) | 3.9373% | 2,448 |
| Net charge-offs to loans | 0.4762% | 3,875 |
| Credit loss provision to net charge-offs | 144.7639% | 3,294 |
| Earnings coverage of net charge-offs (x) | 5.3388% | 2,627 |
| Efficiency ratio | 62.3352% | 6,096 |
| Assets per employee ($millions) | 4.1983% | 3,443 |
| Cash dividends to net income (ytd only)* | 69.0312% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,874 |
| Loan loss allowance to noncurrent loans | 92.0644% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.7438% | 3,752 |
| Noncurrent loans to loans | 1.5997% | 4,257 |
| Net loans and leases to total assets | 64.7043% | 4,441 |
| Net loans and leases to deposits | 79.9873% | 3,993 |
| Net loans and leases to core deposits | 93.3741% | 4,744 |
| Total domestic deposits to total assets | 80.8932% | 5,376 |
| Equity capital to assets | 9.7132% | 4,131 |
| Core capital (leverage) ratio | 9.1978% | 4,123 |
| Tier 1 risk-based capital ratio | 12.8062% | 4,282 |
| Total risk-based capital ratio | 14.0578% | 4,231 |
| Memoranda: | ||
| Average total assets | $157,445,600 | 3,823 |
| Average earning assets | $145,549,000 | 3,787 |
| Average equity | $14,857,800 | 4,087 |
| Average total loans | $102,274,800 | 3,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1018% | 1,650 |
| Cost of funding earning assets | 2.0370% | 3,177 |
| Net interest margin | 4.0648% | 2,530 |
| Noninterest income to average assets | 0.6559% | 3,317 |
| Noninterest expense to average assets | 2.7622% | 5,056 |
| Loan and lease loss provision to assets | 0.3849% | 4,017 |
| Net operating income to assets | 1.2847% | 1,256 |
| Return on assets (ROA) | 1.2855% | 1,325 |
| Pretax return on assets | 1.2889% | 1,980 |
| Return on Equity (ROE) | 13.7246% | 975 |
| Retained earnings to average equity (ytd only) | 3.3835% | 3,408 |
| Net charge-offs to loans | 0.3069% | 4,118 |
| Credit loss provision to net charge-offs | 193.5897% | 2,328 |
| Earnings coverage of net charge-offs (x) | 8.4146% | 2,247 |
| Efficiency ratio | 62.2797% | 6,060 |
| Assets per employee ($millions) | 4.1253% | 3,519 |
| Cash dividends to net income (ytd only)* | 75.3470% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 3,399 |
| Loan loss allowance to noncurrent loans | 109.8151% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5661% | 4,014 |
| Noncurrent loans to loans | 1.3719% | 4,627 |
| Net loans and leases to total assets | 64.3908% | 4,776 |
| Net loans and leases to deposits | 79.9986% | 4,387 |
| Net loans and leases to core deposits | 93.1945% | 5,109 |
| Total domestic deposits to total assets | 80.4899% | 5,251 |
| Equity capital to assets | 9.7359% | 4,444 |
| Core capital (leverage) ratio | 9.0728% | 4,540 |
| Tier 1 risk-based capital ratio | 12.8439% | 4,295 |
| Total risk-based capital ratio | 14.0954% | 4,236 |
| Memoranda: | ||
| Average total assets | $156,923,250 | 3,859 |
| Average earning assets | $145,898,500 | 3,797 |
| Average equity | $14,698,250 | 4,148 |
| Average total loans | $101,651,250 | 3,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2083% | 1,427 |
| Cost of funding earning assets | 2.0931% | 3,304 |
| Net interest margin | 4.1152% | 2,271 |
| Noninterest income to average assets | 0.6663% | 3,218 |
| Noninterest expense to average assets | 2.6908% | 5,416 |
| Loan and lease loss provision to assets | 0.4013% | 3,514 |
| Net operating income to assets | 1.4027% | 1,027 |
| Return on assets (ROA) | 1.4027% | 1,093 |
| Pretax return on assets | 1.4066% | 1,705 |
| Return on Equity (ROE) | 15.1754% | 802 |
| Retained earnings to average equity (ytd only) | 1.4610% | 4,513 |
| Net charge-offs to loans | 0.2091% | 4,205 |
| Credit loss provision to net charge-offs | 297.1698% | 1,574 |
| Earnings coverage of net charge-offs (x) | 13.3868% | 1,746 |
| Efficiency ratio | 59.8131% | 6,579 |
| Assets per employee ($millions) | 4.1553% | 3,383 |
| Cash dividends to net income (ytd only)* | 90.3724% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,231 |
| Loan loss allowance to noncurrent loans | 92.6888% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 3,604 |
| Noncurrent loans to loans | 1.6125% | 4,078 |
| Net loans and leases to total assets | 64.0268% | 4,977 |
| Net loans and leases to deposits | 78.8204% | 4,729 |
| Net loans and leases to core deposits | 92.1008% | 5,339 |
| Total domestic deposits to total assets | 81.2313% | 4,985 |
| Equity capital to assets | 9.4414% | 4,686 |
| Core capital (leverage) ratio | 9.0206% | 4,589 |
| Tier 1 risk-based capital ratio | 12.5320% | 4,500 |
| Total risk-based capital ratio | 13.7835% | 4,416 |
| Memoranda: | ||
| Average total assets | $156,977,670 | 3,876 |
| Average earning assets | $146,191,330 | 3,814 |
| Average equity | $14,510,330 | 4,196 |
| Average total loans | $101,374,000 | 3,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3526% | 1,175 |
| Cost of funding earning assets | 2.1513% | 3,407 |
| Net interest margin | 4.2013% | 1,899 |
| Noninterest income to average assets | 0.6517% | 3,187 |
| Noninterest expense to average assets | 2.6042% | 5,430 |
| Loan and lease loss provision to assets | 0.5392% | 2,314 |
| Net operating income to assets | 1.4184% | 1,104 |
| Return on assets (ROA) | 1.4184% | 1,188 |
| Pretax return on assets | 1.4261% | 1,893 |
| Return on Equity (ROE) | 15.5120% | 890 |
| Retained earnings to average equity (ytd only) | -4.6676% | 6,509 |
| Net charge-offs to loans | 0.2660% | 3,071 |
| Credit loss provision to net charge-offs | 314.9254% | 1,554 |
| Earnings coverage of net charge-offs (x) | 11.4776% | 1,870 |
| Efficiency ratio | 56.9911% | 6,833 |
| Assets per employee ($millions) | 4.0636% | 3,530 |
| Cash dividends to net income (ytd only)* | 130.0901% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,130 |
| Loan loss allowance to noncurrent loans | 73.2303% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 3,348 |
| Noncurrent loans to loans | 2.0094% | 3,250 |
| Net loans and leases to total assets | 63.6996% | 5,043 |
| Net loans and leases to deposits | 78.1440% | 4,902 |
| Net loans and leases to core deposits | 92.2591% | 5,324 |
| Total domestic deposits to total assets | 81.5156% | 4,742 |
| Equity capital to assets | 9.4128% | 4,792 |
| Core capital (leverage) ratio | 8.8351% | 4,928 |
| Tier 1 risk-based capital ratio | 12.5877% | 4,485 |
| Total risk-based capital ratio | 13.8388% | 4,405 |
| Memoranda: | ||
| Average total assets | $156,516,000 | 3,892 |
| Average earning assets | $145,956,500 | 3,829 |
| Average equity | $14,311,500 | 4,265 |
| Average total loans | $100,744,500 | 4,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5626% | 2,657 |
| Cost of funding earning assets | 2.9129% | 2,207 |
| Net interest margin | 3.6497% | 4,681 |
| Noninterest income to average assets | 0.9108% | 1,916 |
| Noninterest expense to average assets | 2.5292% | 5,893 |
| Loan and lease loss provision to assets | 0.3157% | 3,856 |
| Net operating income to assets | 1.4404% | 1,144 |
| Return on assets (ROA) | 1.1377% | 1,916 |
| Pretax return on assets | 1.1449% | 2,856 |
| Return on Equity (ROE) | 12.3947% | 1,482 |
| Retained earnings to average equity (ytd only) | 3.2957% | 3,099 |
| Net charge-offs to loans | 0.3840% | 2,904 |
| Credit loss provision to net charge-offs | 129.0323% | 4,130 |
| Earnings coverage of net charge-offs (x) | 7.2204% | 3,158 |
| Efficiency ratio | 58.8794% | 6,547 |
| Assets per employee ($millions) | 4.1741% | 3,160 |
| Cash dividends to net income (ytd only)* | 73.4104% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 3,755 |
| Loan loss allowance to noncurrent loans | 55.4625% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 2,809 |
| Noncurrent loans to loans | 2.3501% | 2,342 |
| Net loans and leases to total assets | 63.2551% | 5,412 |
| Net loans and leases to deposits | 78.1828% | 5,315 |
| Net loans and leases to core deposits | 90.9703% | 5,723 |
| Total domestic deposits to total assets | 80.9066% | 4,683 |
| Equity capital to assets | 8.8819% | 5,524 |
| Core capital (leverage) ratio | 8.8804% | 4,924 |
| Tier 1 risk-based capital ratio | 12.3453% | 4,555 |
| Total risk-based capital ratio | 13.5194% | 4,497 |
| Memoranda: | ||
| Average total assets | $152,066,800 | 3,866 |
| Average earning assets | $141,027,200 | 3,825 |
| Average equity | $13,957,600 | 4,347 |
| Average total loans | $96,869,400 | 4,039 |