Home > Peoples Trust Company of St. Albans > Performance and Condition Ratios
Peoples Trust Company of St. Albans, 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 | 4.4205% | 3,243 |
| Cost of funding earning assets | 0.4242% | 4,269 |
| Net interest margin | 3.9963% | 1,215 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.4414% | 621 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.7911% | 2,898 |
| Return on assets (ROA) | 0.7911% | 2,875 |
| Pretax return on assets | 0.9122% | 2,929 |
| Return on Equity (ROE) | 8.6300% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.9254% | 1,912 |
| Net charge-offs to loans | -0.0270% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.2680% | 1,326 |
| Assets per employee ($millions) | 4.3097% | 4,044 |
| Cash dividends to net income (ytd only)* | 19.7466% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 714 |
| Loan loss allowance to noncurrent loans | 358.7444% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 1,698 |
| Noncurrent loans to loans | 0.4658% | 1,617 |
| Net loans and leases to total assets | 65.8000% | 2,276 |
| Net loans and leases to deposits | 74.1168% | 2,607 |
| Net loans and leases to core deposits | 76.9715% | 2,919 |
| Total domestic deposits to total assets | 88.7900% | 1,125 |
| Equity capital to assets | 9.8686% | 2,083 |
| Core capital (leverage) ratio | 10.9236% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7449% | 1,126 |
| Memoranda: | ||
| Average total assets | $359,127,200 | 2,163 |
| Average earning assets | $335,187,400 | 2,152 |
| Average equity | $32,922,400 | 2,146 |
| Average total loans | $222,568,400 | 2,148 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 3,262 |
| Cost of funding earning assets | 0.3780% | 4,279 |
| Net interest margin | 3.9388% | 1,325 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.3414% | 681 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.8471% | 2,871 |
| Return on assets (ROA) | 0.8471% | 2,853 |
| Pretax return on assets | 0.9858% | 2,899 |
| Return on Equity (ROE) | 9.4200% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.6960% | 2,076 |
| Net charge-offs to loans | -0.0067% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.1970% | 1,345 |
| Assets per employee ($millions) | 4.6029% | 3,876 |
| Cash dividends to net income (ytd only)* | 18.3012% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 897 |
| Loan loss allowance to noncurrent loans | 322.2418% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 1,757 |
| Noncurrent loans to loans | 0.4946% | 1,580 |
| Net loans and leases to total assets | 62.7900% | 2,582 |
| Net loans and leases to deposits | 69.8386% | 2,852 |
| Net loans and leases to core deposits | 72.7584% | 3,065 |
| Total domestic deposits to total assets | 89.9000% | 970 |
| Equity capital to assets | 8.7184% | 2,589 |
| Core capital (leverage) ratio | 10.7898% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9791% | 1,105 |
| Memoranda: | ||
| Average total assets | $359,481,750 | 2,168 |
| Average earning assets | $335,762,000 | 2,153 |
| Average equity | $32,327,750 | 2,157 |
| Average total loans | $218,363,250 | 2,169 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 3,330 |
| Cost of funding earning assets | 0.3142% | 4,293 |
| Net interest margin | 3.8700% | 1,486 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.3579% | 637 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.7713% | 3,162 |
| Return on assets (ROA) | 0.7713% | 3,173 |
| Pretax return on assets | 0.8915% | 3,189 |
| Return on Equity (ROE) | 8.4900% | 3,114 |
| Retained earnings to average equity (ytd only) | 6.8075% | 2,352 |
| Net charge-offs to loans | -0.0056% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.7971% | 1,188 |
| Assets per employee ($millions) | 4.0692% | 4,158 |
| Cash dividends to net income (ytd only)* | 19.8270% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 983 |
| Loan loss allowance to noncurrent loans | 349.6000% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,791 |
| Noncurrent loans to loans | 0.4507% | 1,590 |
| Net loans and leases to total assets | 61.6900% | 2,611 |
| Net loans and leases to deposits | 69.0678% | 2,854 |
| Net loans and leases to core deposits | 71.5545% | 3,036 |
| Total domestic deposits to total assets | 89.3200% | 1,131 |
| Equity capital to assets | 9.3253% | 2,293 |
| Core capital (leverage) ratio | 10.7278% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1815% | 1,089 |
| Memoranda: | ||
| Average total assets | $359,634,667 | 2,169 |
| Average earning assets | $336,071,000 | 2,158 |
| Average equity | $32,670,000 | 2,154 |
| Average total loans | $214,794,667 | 2,190 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,503 |
| Cost of funding earning assets | 0.2302% | 4,329 |
| Net interest margin | 3.7412% | 1,809 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 3.3066% | 694 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7880% | 3,227 |
| Return on assets (ROA) | 0.7880% | 3,177 |
| Pretax return on assets | 0.9127% | 3,202 |
| Return on Equity (ROE) | 8.7900% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.0938% | 2,468 |
| Net charge-offs to loans | 0.0019% | 1,968 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 902.0000% | 119 |
| Efficiency ratio | 76.8599% | 1,095 |
| Assets per employee ($millions) | 4.3957% | 4,079 |
| Cash dividends to net income (ytd only)* | 19.3277% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,208 |
| Loan loss allowance to noncurrent loans | 331.5251% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 1,769 |
| Noncurrent loans to loans | 0.4575% | 1,572 |
| Net loans and leases to total assets | 59.0700% | 2,763 |
| Net loans and leases to deposits | 66.1217% | 2,922 |
| Net loans and leases to core deposits | 68.4076% | 3,063 |
| Total domestic deposits to total assets | 89.3400% | 1,406 |
| Equity capital to assets | 9.3040% | 2,296 |
| Core capital (leverage) ratio | 10.4292% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4870% | 1,070 |
| Memoranda: | ||
| Average total assets | $362,424,000 | 2,189 |
| Average earning assets | $338,824,000 | 2,177 |
| Average equity | $32,479,000 | 2,188 |
| Average total loans | $211,244,000 | 2,230 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 3,612 |
| Cost of funding earning assets | 0.2150% | 3,637 |
| Net interest margin | 3.0733% | 3,252 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.0347% | 921 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5550% | 3,979 |
| Return on assets (ROA) | 0.5550% | 3,945 |
| Pretax return on assets | 0.6318% | 3,975 |
| Return on Equity (ROE) | 6.2500% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.6516% | 3,193 |
| Net charge-offs to loans | 0.0296% | 1,474 |
| Credit loss provision to net charge-offs | 129.3103% | 1,411 |
| Earnings coverage of net charge-offs (x) | 41.9655% | 1,475 |
| Efficiency ratio | 82.3162% | 579 |
| Assets per employee ($millions) | 4.5530% | 3,997 |
| Cash dividends to net income (ytd only)* | 25.5792% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,410 |
| Loan loss allowance to noncurrent loans | 260.1222% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 1,616 |
| Noncurrent loans to loans | 0.5485% | 1,348 |
| Net loans and leases to total assets | 55.8400% | 3,045 |
| Net loans and leases to deposits | 62.0028% | 3,197 |
| Net loans and leases to core deposits | 63.9210% | 3,269 |
| Total domestic deposits to total assets | 90.0600% | 1,338 |
| Equity capital to assets | 8.6311% | 2,608 |
| Core capital (leverage) ratio | 10.2310% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3395% | 922 |
| Memoranda: | ||
| Average total assets | $373,350,800 | 2,131 |
| Average earning assets | $352,164,000 | 2,102 |
| Average equity | $33,150,200 | 2,193 |
| Average total loans | $196,227,400 | 2,258 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 3,686 |
| Cost of funding earning assets | 0.2177% | 3,067 |
| Net interest margin | 2.8783% | 3,544 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.9554% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4536% | 4,164 |
| Return on assets (ROA) | 0.4536% | 4,109 |
| Pretax return on assets | 0.5031% | 4,145 |
| Return on Equity (ROE) | 5.0700% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,631 |
| Net charge-offs to loans | 0.0359% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 27.1731% | 1,567 |
| Efficiency ratio | 85.4540% | 483 |
| Assets per employee ($millions) | 4.6856% | 3,918 |
| Cash dividends to net income (ytd only)* | 31.3187% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,387 |
| Loan loss allowance to noncurrent loans | 226.4386% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 1,540 |
| Noncurrent loans to loans | 0.6489% | 1,256 |
| Net loans and leases to total assets | 53.4300% | 3,149 |
| Net loans and leases to deposits | 59.0045% | 3,280 |
| Net loans and leases to core deposits | 60.7866% | 3,327 |
| Total domestic deposits to total assets | 90.5500% | 1,421 |
| Equity capital to assets | 8.1706% | 2,781 |
| Core capital (leverage) ratio | 9.9433% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8524% | 878 |
| Memoranda: | ||
| Average total assets | $374,489,500 | 2,131 |
| Average earning assets | $353,949,250 | 2,106 |
| Average equity | $33,480,000 | 2,210 |
| Average total loans | $193,053,000 | 2,279 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8918% | 3,805 |
| Cost of funding earning assets | 0.2215% | 2,631 |
| Net interest margin | 2.6704% | 3,763 |
| Noninterest income to average assets | 0.7041% | 1,320 |
| Noninterest expense to average assets | 2.9113% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3131% | 4,265 |
| Return on assets (ROA) | 0.3131% | 4,214 |
| Pretax return on assets | 0.3290% | 4,258 |
| Return on Equity (ROE) | 3.4077% | 4,151 |
| Retained earnings to average equity (ytd only) | 1.8624% | 3,792 |
| Net charge-offs to loans | 0.0596% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.8947% | 1,745 |
| Efficiency ratio | 89.8463% | 412 |
| Assets per employee ($millions) | 4.4705% | 4,094 |
| Cash dividends to net income (ytd only)* | 45.3469% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,568 |
| Loan loss allowance to noncurrent loans | 263.5539% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,800 |
| Noncurrent loans to loans | 0.5492% | 1,518 |
| Net loans and leases to total assets | 53.9927% | 2,966 |
| Net loans and leases to deposits | 60.0163% | 3,048 |
| Net loans and leases to core deposits | 61.8814% | 3,126 |
| Total domestic deposits to total assets | 89.9635% | 1,720 |
| Equity capital to assets | 8.8185% | 2,522 |
| Core capital (leverage) ratio | 9.6511% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6461% | 899 |
| Memoranda: | ||
| Average total assets | $377,493,000 | 2,129 |
| Average earning assets | $358,529,333 | 2,109 |
| Average equity | $34,686,000 | 2,208 |
| Average total loans | $191,342,667 | 2,291 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6461% | 4,043 |
| Cost of funding earning assets | 0.2276% | 2,432 |
| Net interest margin | 2.4185% | 4,036 |
| Noninterest income to average assets | 0.6842% | 1,372 |
| Noninterest expense to average assets | 2.8568% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1358% | 4,425 |
| Return on assets (ROA) | 0.1358% | 4,395 |
| Pretax return on assets | 0.1358% | 4,405 |
| Return on Equity (ROE) | 1.4499% | 4,348 |
| Retained earnings to average equity (ytd only) | -0.0446% | 4,016 |
| Net charge-offs to loans | 0.0729% | 629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.8235% | 1,650 |
| Efficiency ratio | 95.4625% | 344 |
| Assets per employee ($millions) | 4.7419% | 3,972 |
| Cash dividends to net income (ytd only)* | 103.0769% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,450 |
| Loan loss allowance to noncurrent loans | 246.6330% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 1,881 |
| Noncurrent loans to loans | 0.6215% | 1,509 |
| Net loans and leases to total assets | 49.0048% | 3,280 |
| Net loans and leases to deposits | 54.5005% | 3,376 |
| Net loans and leases to core deposits | 56.1896% | 3,432 |
| Total domestic deposits to total assets | 89.9163% | 1,612 |
| Equity capital to assets | 8.9155% | 2,787 |
| Core capital (leverage) ratio | 9.5379% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8246% | 782 |
| Memoranda: | ||
| Average total assets | $382,949,000 | 2,122 |
| Average earning assets | $365,522,000 | 2,093 |
| Average equity | $35,865,500 | 2,221 |
| Average total loans | $186,597,000 | 2,320 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0259% | 3,825 |
| Cost of funding earning assets | 0.2779% | 2,620 |
| Net interest margin | 2.7480% | 3,785 |
| Noninterest income to average assets | 1.1182% | 838 |
| Noninterest expense to average assets | 2.9682% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6388% | 3,774 |
| Return on assets (ROA) | 0.6388% | 3,832 |
| Pretax return on assets | 0.7546% | 3,827 |
| Return on Equity (ROE) | 6.2693% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.8026% | 2,861 |
| Net charge-offs to loans | -0.0860% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7294% | 822 |
| Assets per employee ($millions) | 4.6561% | 3,997 |
| Cash dividends to net income (ytd only)* | 23.3951% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,198 |
| Loan loss allowance to noncurrent loans | 243.7500% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 1,961 |
| Noncurrent loans to loans | 0.6680% | 1,498 |
| Net loans and leases to total assets | 46.9025% | 3,613 |
| Net loans and leases to deposits | 52.6769% | 3,692 |
| Net loans and leases to core deposits | 54.1632% | 3,743 |
| Total domestic deposits to total assets | 89.0381% | 1,494 |
| Equity capital to assets | 9.8184% | 2,832 |
| Core capital (leverage) ratio | 9.5130% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1760% | 631 |
| Memoranda: | ||
| Average total assets | $363,355,400 | 2,134 |
| Average earning assets | $344,397,200 | 2,109 |
| Average equity | $37,021,600 | 2,200 |
| Average total loans | $180,331,000 | 2,382 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0789% | 3,857 |
| Cost of funding earning assets | 0.2881% | 2,707 |
| Net interest margin | 2.7908% | 3,803 |
| Noninterest income to average assets | 1.1176% | 911 |
| Noninterest expense to average assets | 2.8934% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7218% | 3,716 |
| Return on assets (ROA) | 0.7218% | 3,780 |
| Pretax return on assets | 0.8630% | 3,767 |
| Return on Equity (ROE) | 7.0160% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.5456% | 3,027 |
| Net charge-offs to loans | -0.0860% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0258% | 955 |
| Assets per employee ($millions) | 4.3639% | 4,218 |
| Cash dividends to net income (ytd only)* | 20.9578% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7148% | 1,085 |
| Loan loss allowance to noncurrent loans | 232.0381% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 2,104 |
| Noncurrent loans to loans | 0.7390% | 1,516 |
| Net loans and leases to total assets | 44.6875% | 3,892 |
| Net loans and leases to deposits | 50.3117% | 3,999 |
| Net loans and leases to core deposits | 51.7277% | 4,051 |
| Total domestic deposits to total assets | 88.8213% | 1,385 |
| Equity capital to assets | 9.9498% | 2,948 |
| Core capital (leverage) ratio | 9.7542% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9716% | 538 |
| Memoranda: | ||
| Average total assets | $358,743,500 | 2,179 |
| Average earning assets | $339,200,250 | 2,159 |
| Average equity | $36,905,250 | 2,239 |
| Average total loans | $179,904,000 | 2,421 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 4,001 |
| Cost of funding earning assets | 0.2972% | 2,800 |
| Net interest margin | 2.7254% | 3,930 |
| Noninterest income to average assets | 1.1568% | 855 |
| Noninterest expense to average assets | 2.8922% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7100% | 3,737 |
| Return on assets (ROA) | 0.7100% | 3,805 |
| Pretax return on assets | 0.8454% | 3,781 |
| Return on Equity (ROE) | 6.8226% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.3428% | 3,053 |
| Net charge-offs to loans | -0.1235% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3822% | 959 |
| Assets per employee ($millions) | 4.4515% | 4,136 |
| Cash dividends to net income (ytd only)* | 21.6906% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 1,214 |
| Loan loss allowance to noncurrent loans | 275.1412% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 2,491 |
| Noncurrent loans to loans | 0.5917% | 1,921 |
| Net loans and leases to total assets | 47.7860% | 3,745 |
| Net loans and leases to deposits | 53.8033% | 3,867 |
| Net loans and leases to core deposits | 55.4399% | 3,929 |
| Total domestic deposits to total assets | 88.8162% | 1,376 |
| Equity capital to assets | 10.0776% | 2,784 |
| Core capital (leverage) ratio | 9.9465% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0375% | 613 |
| Memoranda: | ||
| Average total assets | $353,226,333 | 2,189 |
| Average earning assets | $334,486,000 | 2,168 |
| Average equity | $36,760,000 | 2,234 |
| Average total loans | $182,993,333 | 2,416 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0424% | 3,999 |
| Cost of funding earning assets | 0.3001% | 2,990 |
| Net interest margin | 2.7424% | 3,880 |
| Noninterest income to average assets | 1.2843% | 767 |
| Noninterest expense to average assets | 3.0263% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7151% | 3,674 |
| Return on assets (ROA) | 0.7151% | 3,739 |
| Pretax return on assets | 0.8531% | 3,715 |
| Return on Equity (ROE) | 6.7574% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.2679% | 3,138 |
| Net charge-offs to loans | -0.0238% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0102% | 954 |
| Assets per employee ($millions) | 4.2021% | 4,344 |
| Cash dividends to net income (ytd only)* | 22.0421% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,545 |
| Loan loss allowance to noncurrent loans | 153.2319% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 1,816 |
| Noncurrent loans to loans | 0.9902% | 1,360 |
| Net loans and leases to total assets | 51.8718% | 3,459 |
| Net loans and leases to deposits | 58.6475% | 3,591 |
| Net loans and leases to core deposits | 60.5159% | 3,668 |
| Total domestic deposits to total assets | 88.4467% | 1,636 |
| Equity capital to assets | 10.3473% | 2,395 |
| Core capital (leverage) ratio | 10.3828% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8916% | 804 |
| Memoranda: | ||
| Average total assets | $345,103,500 | 2,212 |
| Average earning assets | $326,580,500 | 2,193 |
| Average equity | $36,523,000 | 2,234 |
| Average total loans | $184,751,000 | 2,401 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 3,623 |
| Cost of funding earning assets | 0.3140% | 4,063 |
| Net interest margin | 3.3682% | 2,871 |
| Noninterest income to average assets | 1.3810% | 608 |
| Noninterest expense to average assets | 3.6346% | 577 |
| Loan and lease loss provision to assets | 0.1941% | 2,016 |
| Net operating income to assets | 0.7099% | 3,403 |
| Return on assets (ROA) | 0.7099% | 3,536 |
| Pretax return on assets | 0.7228% | 3,833 |
| Return on Equity (ROE) | 6.1745% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.6358% | 2,460 |
| Net charge-offs to loans | 0.0206% | 2,648 |
| Credit loss provision to net charge-offs | 1,538.4615% | 540 |
| Earnings coverage of net charge-offs (x) | 72.6923% | 947 |
| Efficiency ratio | 79.8550% | 905 |
| Assets per employee ($millions) | 3.8321% | 4,482 |
| Cash dividends to net income (ytd only)* | 24.9203% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,478 |
| Loan loss allowance to noncurrent loans | 127.6692% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 1,607 |
| Noncurrent loans to loans | 1.1989% | 1,172 |
| Net loans and leases to total assets | 53.6060% | 3,526 |
| Net loans and leases to deposits | 60.9905% | 3,683 |
| Net loans and leases to core deposits | 63.1631% | 3,760 |
| Total domestic deposits to total assets | 87.8924% | 1,535 |
| Equity capital to assets | 10.8301% | 2,402 |
| Core capital (leverage) ratio | 10.3170% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1068% | 761 |
| Memoranda: | ||
| Average total assets | $309,195,800 | 2,246 |
| Average earning assets | $291,042,000 | 2,223 |
| Average equity | $35,549,200 | 2,207 |
| Average total loans | $188,863,200 | 2,337 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 3,570 |
| Cost of funding earning assets | 0.3131% | 4,256 |
| Net interest margin | 3.4867% | 2,632 |
| Noninterest income to average assets | 1.3236% | 622 |
| Noninterest expense to average assets | 3.4053% | 795 |
| Loan and lease loss provision to assets | 0.2647% | 1,537 |
| Net operating income to assets | 0.7496% | 3,287 |
| Return on assets (ROA) | 0.7496% | 3,391 |
| Pretax return on assets | 0.9354% | 3,284 |
| Return on Equity (ROE) | 6.4161% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.8640% | 2,625 |
| Net charge-offs to loans | 0.0266% | 2,305 |
| Credit loss provision to net charge-offs | 1,578.9474% | 594 |
| Earnings coverage of net charge-offs (x) | 71.5789% | 982 |
| Efficiency ratio | 73.9414% | 1,410 |
| Assets per employee ($millions) | 3.7260% | 4,539 |
| Cash dividends to net income (ytd only)* | 24.1907% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,495 |
| Loan loss allowance to noncurrent loans | 98.5273% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 1,365 |
| Noncurrent loans to loans | 1.4843% | 972 |
| Net loans and leases to total assets | 56.4620% | 3,581 |
| Net loans and leases to deposits | 64.2779% | 3,774 |
| Net loans and leases to core deposits | 66.6314% | 3,856 |
| Total domestic deposits to total assets | 87.8404% | 1,290 |
| Equity capital to assets | 10.7521% | 2,586 |
| Core capital (leverage) ratio | 10.4108% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9608% | 921 |
| Memoranda: | ||
| Average total assets | $302,188,000 | 2,269 |
| Average earning assets | $284,426,250 | 2,246 |
| Average equity | $35,306,000 | 2,206 |
| Average total loans | $190,183,000 | 2,318 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,120 |
| Cost of funding earning assets | 0.3153% | 4,419 |
| Net interest margin | 3.7564% | 1,967 |
| Noninterest income to average assets | 1.2407% | 657 |
| Noninterest expense to average assets | 3.5516% | 698 |
| Loan and lease loss provision to assets | 0.4122% | 968 |
| Net operating income to assets | 0.6320% | 3,632 |
| Return on assets (ROA) | 0.6320% | 3,717 |
| Pretax return on assets | 0.8037% | 3,574 |
| Return on Equity (ROE) | 5.2487% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.6798% | 3,075 |
| Net charge-offs to loans | 0.0496% | 1,774 |
| Credit loss provision to net charge-offs | 1,276.5957% | 676 |
| Earnings coverage of net charge-offs (x) | 37.6596% | 1,291 |
| Efficiency ratio | 74.4957% | 1,417 |
| Assets per employee ($millions) | 3.9198% | 4,383 |
| Cash dividends to net income (ytd only)* | 29.8913% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,524 |
| Loan loss allowance to noncurrent loans | 77.9788% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 1,051 |
| Noncurrent loans to loans | 1.8180% | 770 |
| Net loans and leases to total assets | 59.1549% | 3,410 |
| Net loans and leases to deposits | 67.2437% | 3,624 |
| Net loans and leases to core deposits | 69.8688% | 3,716 |
| Total domestic deposits to total assets | 87.9709% | 1,192 |
| Equity capital to assets | 10.7945% | 2,496 |
| Core capital (leverage) ratio | 10.9619% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4712% | 986 |
| Memoranda: | ||
| Average total assets | $291,137,667 | 2,307 |
| Average earning assets | $273,348,333 | 2,291 |
| Average equity | $35,056,000 | 2,200 |
| Average total loans | $189,527,667 | 2,310 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,312 |
| Cost of funding earning assets | 0.3306% | 4,571 |
| Net interest margin | 3.8417% | 1,842 |
| Noninterest income to average assets | 1.0438% | 780 |
| Noninterest expense to average assets | 3.8930% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6351% | 3,490 |
| Return on assets (ROA) | 0.6351% | 3,552 |
| Pretax return on assets | 0.7380% | 3,574 |
| Return on Equity (ROE) | 4.9637% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.3666% | 2,935 |
| Net charge-offs to loans | 0.0755% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 14.3429% | 1,602 |
| Efficiency ratio | 84.0635% | 830 |
| Assets per employee ($millions) | 3.1418% | 4,731 |
| Cash dividends to net income (ytd only)* | 32.1759% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,704 |
| Loan loss allowance to noncurrent loans | 54.4671% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 741 |
| Noncurrent loans to loans | 2.1907% | 613 |
| Net loans and leases to total assets | 66.2828% | 2,785 |
| Net loans and leases to deposits | 77.1497% | 2,960 |
| Net loans and leases to core deposits | 80.6460% | 3,140 |
| Total domestic deposits to total assets | 85.9145% | 2,031 |
| Equity capital to assets | 12.6933% | 1,627 |
| Core capital (leverage) ratio | 12.5565% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8976% | 878 |
| Memoranda: | ||
| Average total assets | $272,076,000 | 2,359 |
| Average earning assets | $254,055,000 | 2,350 |
| Average equity | $34,813,000 | 2,212 |
| Average total loans | $185,504,000 | 2,300 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 3,137 |
| Cost of funding earning assets | 0.3073% | 4,713 |
| Net interest margin | 4.1325% | 1,470 |
| Noninterest income to average assets | 0.9963% | 980 |
| Noninterest expense to average assets | 4.0115% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8013% | 3,551 |
| Return on assets (ROA) | 0.8013% | 3,638 |
| Pretax return on assets | 0.8295% | 3,917 |
| Return on Equity (ROE) | 6.3654% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.8778% | 2,482 |
| Net charge-offs to loans | 0.0158% | 3,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 74.5667% | 841 |
| Efficiency ratio | 82.8661% | 739 |
| Assets per employee ($millions) | 2.9742% | 4,841 |
| Cash dividends to net income (ytd only)* | 23.3688% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,367 |
| Loan loss allowance to noncurrent loans | 53.5748% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 629 |
| Noncurrent loans to loans | 2.2615% | 536 |
| Net loans and leases to total assets | 68.4749% | 2,613 |
| Net loans and leases to deposits | 80.0135% | 2,775 |
| Net loans and leases to core deposits | 83.3747% | 3,010 |
| Total domestic deposits to total assets | 85.5792% | 2,249 |
| Equity capital to assets | 12.9007% | 1,582 |
| Core capital (leverage) ratio | 12.2558% | 1,625 |
| Tier 1 risk-based capital ratio | 18.4227% | 1,657 |
| Total risk-based capital ratio | 19.6524% | 1,630 |
| Memoranda: | ||
| Average total assets | $269,696,600 | 2,334 |
| Average earning assets | $250,915,000 | 2,334 |
| Average equity | $33,949,400 | 2,190 |
| Average total loans | $189,844,800 | 2,234 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 3,161 |
| Cost of funding earning assets | 0.3008% | 4,796 |
| Net interest margin | 4.1659% | 1,458 |
| Noninterest income to average assets | 0.9810% | 972 |
| Noninterest expense to average assets | 3.8365% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8581% | 3,491 |
| Return on assets (ROA) | 0.8581% | 3,565 |
| Pretax return on assets | 1.0190% | 3,531 |
| Return on Equity (ROE) | 6.8590% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.3563% | 2,703 |
| Net charge-offs to loans | 0.0133% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 108.6956% | 706 |
| Efficiency ratio | 79.0142% | 1,014 |
| Assets per employee ($millions) | 3.1297% | 4,815 |
| Cash dividends to net income (ytd only)* | 21.9092% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,642 |
| Loan loss allowance to noncurrent loans | 78.3287% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 1,249 |
| Noncurrent loans to loans | 1.4998% | 1,008 |
| Net loans and leases to total assets | 69.7918% | 2,502 |
| Net loans and leases to deposits | 81.2204% | 2,773 |
| Net loans and leases to core deposits | 84.7353% | 3,019 |
| Total domestic deposits to total assets | 85.9288% | 2,025 |
| Equity capital to assets | 12.5973% | 1,842 |
| Core capital (leverage) ratio | 12.2954% | 1,683 |
| Tier 1 risk-based capital ratio | 17.8096% | 1,875 |
| Total risk-based capital ratio | 19.0147% | 1,835 |
| Memoranda: | ||
| Average total assets | $270,201,750 | 2,345 |
| Average earning assets | $251,303,250 | 2,349 |
| Average equity | $33,803,750 | 2,217 |
| Average total loans | $190,921,250 | 2,247 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 3,084 |
| Cost of funding earning assets | 0.2933% | 4,841 |
| Net interest margin | 4.1824% | 1,404 |
| Noninterest income to average assets | 0.9632% | 935 |
| Noninterest expense to average assets | 3.8574% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8490% | 3,475 |
| Return on assets (ROA) | 0.8490% | 3,532 |
| Pretax return on assets | 1.0003% | 3,548 |
| Return on Equity (ROE) | 6.8018% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.2916% | 2,626 |
| Net charge-offs to loans | -0.0032% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4073% | 1,023 |
| Assets per employee ($millions) | 3.0244% | 4,892 |
| Cash dividends to net income (ytd only)* | 22.2028% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,599 |
| Loan loss allowance to noncurrent loans | 102.1953% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,718 |
| Noncurrent loans to loans | 1.1614% | 1,394 |
| Net loans and leases to total assets | 69.7664% | 2,558 |
| Net loans and leases to deposits | 81.4887% | 2,787 |
| Net loans and leases to core deposits | 84.8277% | 3,048 |
| Total domestic deposits to total assets | 85.6148% | 2,215 |
| Equity capital to assets | 12.6658% | 1,768 |
| Core capital (leverage) ratio | 12.5506% | 1,511 |
| Tier 1 risk-based capital ratio | 18.0110% | 1,805 |
| Total risk-based capital ratio | 19.2300% | 1,763 |
| Memoranda: | ||
| Average total assets | $269,509,000 | 2,357 |
| Average earning assets | $250,958,330 | 2,357 |
| Average equity | $33,638,330 | 2,218 |
| Average total loans | $190,465,670 | 2,257 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 3,393 |
| Cost of funding earning assets | 0.2865% | 4,882 |
| Net interest margin | 4.0658% | 1,652 |
| Noninterest income to average assets | 0.9666% | 888 |
| Noninterest expense to average assets | 3.9453% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6847% | 3,990 |
| Return on assets (ROA) | 0.6847% | 4,027 |
| Pretax return on assets | 0.8099% | 4,014 |
| Return on Equity (ROE) | 5.5269% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.9977% | 3,316 |
| Net charge-offs to loans | 0.0949% | 1,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.0667% | 1,886 |
| Efficiency ratio | 82.9674% | 791 |
| Assets per employee ($millions) | 2.9932% | 4,982 |
| Cash dividends to net income (ytd only)* | 27.6688% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,719 |
| Loan loss allowance to noncurrent loans | 66.1434% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 1,056 |
| Noncurrent loans to loans | 1.7747% | 873 |
| Net loans and leases to total assets | 69.7856% | 2,513 |
| Net loans and leases to deposits | 81.4594% | 2,673 |
| Net loans and leases to core deposits | 84.6285% | 2,978 |
| Total domestic deposits to total assets | 85.6692% | 2,415 |
| Equity capital to assets | 12.4562% | 1,762 |
| Core capital (leverage) ratio | 12.5962% | 1,458 |
| Tier 1 risk-based capital ratio | 17.9129% | 1,815 |
| Total risk-based capital ratio | 19.1197% | 1,788 |
| Memoranda: | ||
| Average total assets | $268,165,000 | 2,385 |
| Average earning assets | $249,887,000 | 2,382 |
| Average equity | $33,219,500 | 2,241 |
| Average total loans | $189,607,000 | 2,287 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,207 |
| Cost of funding earning assets | 0.2700% | 4,709 |
| Net interest margin | 4.0018% | 1,982 |
| Noninterest income to average assets | 0.9421% | 1,079 |
| Noninterest expense to average assets | 3.8792% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7221% | 4,064 |
| Return on assets (ROA) | 0.6932% | 4,157 |
| Pretax return on assets | 0.7538% | 4,283 |
| Return on Equity (ROE) | 5.7782% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.3827% | 3,134 |
| Net charge-offs to loans | 0.0214% | 2,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 53.8718% | 1,093 |
| Efficiency ratio | 83.1664% | 701 |
| Assets per employee ($millions) | 2.9994% | 4,994 |
| Cash dividends to net income (ytd only)* | 24.1509% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,541 |
| Loan loss allowance to noncurrent loans | 72.9427% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 1,122 |
| Noncurrent loans to loans | 1.6525% | 882 |
| Net loans and leases to total assets | 69.9436% | 2,567 |
| Net loans and leases to deposits | 81.6655% | 2,774 |
| Net loans and leases to core deposits | 84.8571% | 3,011 |
| Total domestic deposits to total assets | 85.6465% | 2,379 |
| Equity capital to assets | 12.3186% | 1,686 |
| Core capital (leverage) ratio | 12.2715% | 1,572 |
| Tier 1 risk-based capital ratio | 17.8399% | 1,798 |
| Total risk-based capital ratio | 19.0781% | 1,763 |
| Memoranda: | ||
| Average total assets | $267,583,800 | 2,352 |
| Average earning assets | $248,890,200 | 2,348 |
| Average equity | $32,103,600 | 2,208 |
| Average total loans | $182,057,600 | 2,315 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 3,229 |
| Cost of funding earning assets | 0.2645% | 4,707 |
| Net interest margin | 3.9602% | 2,091 |
| Noninterest income to average assets | 0.9297% | 1,112 |
| Noninterest expense to average assets | 3.7264% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7649% | 4,030 |
| Return on assets (ROA) | 0.7649% | 4,037 |
| Pretax return on assets | 0.8864% | 4,066 |
| Return on Equity (ROE) | 6.4182% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.0142% | 3,228 |
| Net charge-offs to loans | -0.0052% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7838% | 876 |
| Assets per employee ($millions) | 3.1111% | 4,955 |
| Cash dividends to net income (ytd only)* | 21.8750% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,649 |
| Loan loss allowance to noncurrent loans | 64.1812% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 1,020 |
| Noncurrent loans to loans | 1.8620% | 819 |
| Net loans and leases to total assets | 70.1832% | 2,617 |
| Net loans and leases to deposits | 82.7155% | 2,741 |
| Net loans and leases to core deposits | 85.6768% | 3,027 |
| Total domestic deposits to total assets | 84.8489% | 2,669 |
| Equity capital to assets | 11.7892% | 2,039 |
| Core capital (leverage) ratio | 12.1436% | 1,699 |
| Tier 1 risk-based capital ratio | 17.0368% | 2,094 |
| Total risk-based capital ratio | 18.2505% | 2,055 |
| Memoranda: | ||
| Average total assets | $267,743,500 | 2,361 |
| Average earning assets | $249,004,250 | 2,359 |
| Average equity | $31,908,500 | 2,223 |
| Average total loans | $180,324,750 | 2,340 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,358 |
| Cost of funding earning assets | 0.2624% | 4,682 |
| Net interest margin | 3.8645% | 2,333 |
| Noninterest income to average assets | 0.9280% | 1,116 |
| Noninterest expense to average assets | 3.7579% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6653% | 4,305 |
| Return on assets (ROA) | 0.6653% | 4,309 |
| Pretax return on assets | 0.7617% | 4,361 |
| Return on Equity (ROE) | 5.5622% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.1528% | 3,536 |
| Net charge-offs to loans | -0.0330% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1474% | 748 |
| Assets per employee ($millions) | 3.1002% | 5,020 |
| Cash dividends to net income (ytd only)* | 25.3394% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,252 |
| Loan loss allowance to noncurrent loans | 63.2004% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 1,028 |
| Noncurrent loans to loans | 2.0297% | 732 |
| Net loans and leases to total assets | 66.1757% | 3,124 |
| Net loans and leases to deposits | 76.7708% | 3,269 |
| Net loans and leases to core deposits | 79.6683% | 3,446 |
| Total domestic deposits to total assets | 86.1991% | 2,190 |
| Equity capital to assets | 11.7028% | 2,061 |
| Core capital (leverage) ratio | 12.0270% | 1,699 |
| Tier 1 risk-based capital ratio | 17.3920% | 1,970 |
| Total risk-based capital ratio | 18.6420% | 1,925 |
| Memoranda: | ||
| Average total assets | $265,733,000 | 2,378 |
| Average earning assets | $246,964,000 | 2,380 |
| Average equity | $31,786,000 | 2,237 |
| Average total loans | $175,610,330 | 2,392 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,251 |
| Cost of funding earning assets | 0.2578% | 4,661 |
| Net interest margin | 3.8374% | 2,272 |
| Noninterest income to average assets | 0.9291% | 1,075 |
| Noninterest expense to average assets | 3.8628% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5538% | 4,562 |
| Return on assets (ROA) | 0.5538% | 4,563 |
| Pretax return on assets | 0.6316% | 4,610 |
| Return on Equity (ROE) | 4.5782% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.1656% | 3,939 |
| Net charge-offs to loans | -0.0721% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9470% | 655 |
| Assets per employee ($millions) | 2.9470% | 5,186 |
| Cash dividends to net income (ytd only)* | 30.8540% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 2,001 |
| Loan loss allowance to noncurrent loans | 53.6318% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 787 |
| Noncurrent loans to loans | 2.5272% | 537 |
| Net loans and leases to total assets | 65.1530% | 3,157 |
| Net loans and leases to deposits | 75.5147% | 3,266 |
| Net loans and leases to core deposits | 78.4683% | 3,455 |
| Total domestic deposits to total assets | 86.2786% | 2,407 |
| Equity capital to assets | 12.0591% | 1,741 |
| Core capital (leverage) ratio | 12.3097% | 1,472 |
| Tier 1 risk-based capital ratio | 17.7810% | 1,895 |
| Total risk-based capital ratio | 19.0320% | 1,846 |
| Memoranda: | ||
| Average total assets | $262,191,500 | 2,428 |
| Average earning assets | $243,601,000 | 2,427 |
| Average equity | $31,715,500 | 2,258 |
| Average total loans | $171,973,500 | 2,449 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,355 |
| Cost of funding earning assets | 0.2688% | 4,409 |
| Net interest margin | 3.7448% | 2,625 |
| Noninterest income to average assets | 1.0443% | 931 |
| Noninterest expense to average assets | 3.7232% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5666% | 4,157 |
| Return on assets (ROA) | 0.5696% | 4,180 |
| Pretax return on assets | 0.7945% | 4,259 |
| Return on Equity (ROE) | 4.6659% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.4349% | 3,231 |
| Net charge-offs to loans | -0.0993% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4917% | 889 |
| Assets per employee ($millions) | 3.0477% | 5,166 |
| Cash dividends to net income (ytd only)* | 26.3833% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,942 |
| Loan loss allowance to noncurrent loans | 47.2279% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8718% | 634 |
| Noncurrent loans to loans | 2.8738% | 397 |
| Net loans and leases to total assets | 64.2490% | 3,343 |
| Net loans and leases to deposits | 74.7506% | 3,451 |
| Net loans and leases to core deposits | 77.5722% | 3,621 |
| Total domestic deposits to total assets | 85.9511% | 2,460 |
| Equity capital to assets | 12.1336% | 1,740 |
| Core capital (leverage) ratio | 12.1215% | 1,547 |
| Tier 1 risk-based capital ratio | 18.0335% | 1,795 |
| Total risk-based capital ratio | 19.2843% | 1,745 |
| Memoranda: | ||
| Average total assets | $260,177,800 | 2,413 |
| Average earning assets | $241,027,600 | 2,416 |
| Average equity | $31,762,400 | 2,234 |
| Average total loans | $161,147,400 | 2,537 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,390 |
| Cost of funding earning assets | 0.2700% | 4,411 |
| Net interest margin | 3.7212% | 2,683 |
| Noninterest income to average assets | 1.0191% | 991 |
| Noninterest expense to average assets | 3.6924% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6169% | 4,325 |
| Return on assets (ROA) | 0.6264% | 4,342 |
| Pretax return on assets | 0.7850% | 4,391 |
| Return on Equity (ROE) | 5.1228% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.1319% | 3,452 |
| Net charge-offs to loans | -0.1562% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6857% | 861 |
| Assets per employee ($millions) | 2.9821% | 5,275 |
| Cash dividends to net income (ytd only)* | 19.3443% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 1,960 |
| Loan loss allowance to noncurrent loans | 46.0314% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 698 |
| Noncurrent loans to loans | 3.0050% | 430 |
| Net loans and leases to total assets | 62.9384% | 3,556 |
| Net loans and leases to deposits | 73.1712% | 3,649 |
| Net loans and leases to core deposits | 76.0023% | 3,798 |
| Total domestic deposits to total assets | 86.0153% | 2,305 |
| Equity capital to assets | 12.0560% | 1,931 |
| Core capital (leverage) ratio | 12.0227% | 1,670 |
| Tier 1 risk-based capital ratio | 17.9211% | 1,875 |
| Total risk-based capital ratio | 19.1724% | 1,828 |
| Memoranda: | ||
| Average total assets | $259,697,500 | 2,430 |
| Average earning assets | $240,527,000 | 2,435 |
| Average equity | $31,752,500 | 2,251 |
| Average total loans | $158,756,000 | 2,581 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,234 |
| Cost of funding earning assets | 0.2710% | 4,368 |
| Net interest margin | 3.7208% | 2,580 |
| Noninterest income to average assets | 0.9907% | 1,035 |
| Noninterest expense to average assets | 3.7347% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5764% | 4,403 |
| Return on assets (ROA) | 0.5834% | 4,430 |
| Pretax return on assets | 0.7153% | 4,510 |
| Return on Equity (ROE) | 4.7488% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.7511% | 3,465 |
| Net charge-offs to loans | -0.2384% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0873% | 834 |
| Assets per employee ($millions) | 2.8772% | 5,376 |
| Cash dividends to net income (ytd only)* | 21.0106% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,782 |
| Loan loss allowance to noncurrent loans | 50.7696% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 810 |
| Noncurrent loans to loans | 2.8342% | 483 |
| Net loans and leases to total assets | 60.6054% | 3,779 |
| Net loans and leases to deposits | 70.2518% | 3,897 |
| Net loans and leases to core deposits | 72.7610% | 4,037 |
| Total domestic deposits to total assets | 86.2689% | 2,262 |
| Equity capital to assets | 11.9453% | 1,969 |
| Core capital (leverage) ratio | 12.1394% | 1,561 |
| Tier 1 risk-based capital ratio | 18.4667% | 1,725 |
| Total risk-based capital ratio | 19.7186% | 1,688 |
| Memoranda: | ||
| Average total assets | $257,795,330 | 2,457 |
| Average earning assets | $239,087,000 | 2,455 |
| Average equity | $31,671,000 | 2,250 |
| Average total loans | $155,213,330 | 2,630 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 2,763 |
| Cost of funding earning assets | 0.2717% | 4,340 |
| Net interest margin | 3.8001% | 2,113 |
| Noninterest income to average assets | 0.8886% | 1,280 |
| Noninterest expense to average assets | 3.8342% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4844% | 4,656 |
| Return on assets (ROA) | 0.4844% | 4,681 |
| Pretax return on assets | 0.5740% | 4,787 |
| Return on Equity (ROE) | 3.8868% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.8772% | 3,978 |
| Net charge-offs to loans | -0.4490% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9782% | 737 |
| Assets per employee ($millions) | 2.8583% | 5,459 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,656 |
| Loan loss allowance to noncurrent loans | 53.7041% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 868 |
| Noncurrent loans to loans | 2.8156% | 510 |
| Net loans and leases to total assets | 59.5815% | 3,828 |
| Net loans and leases to deposits | 68.8421% | 3,904 |
| Net loans and leases to core deposits | 71.3069% | 4,049 |
| Total domestic deposits to total assets | 86.5480% | 2,418 |
| Equity capital to assets | 12.5160% | 1,518 |
| Core capital (leverage) ratio | 12.4394% | 1,366 |
| Tier 1 risk-based capital ratio | 19.5863% | 1,480 |
| Total risk-based capital ratio | 20.8392% | 1,454 |
| Memoranda: | ||
| Average total assets | $254,343,500 | 2,510 |
| Average earning assets | $235,575,500 | 2,508 |
| Average equity | $31,697,000 | 2,251 |
| Average total loans | $151,438,000 | 2,684 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,420 |
| Cost of funding earning assets | 0.2730% | 4,329 |
| Net interest margin | 3.6662% | 2,834 |
| Noninterest income to average assets | 1.1148% | 925 |
| Noninterest expense to average assets | 3.8164% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5758% | 4,317 |
| Return on assets (ROA) | 0.5794% | 4,407 |
| Pretax return on assets | 0.6947% | 4,507 |
| Return on Equity (ROE) | 4.6365% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.4185% | 3,493 |
| Net charge-offs to loans | 0.0810% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.4262% | 2,291 |
| Efficiency ratio | 84.6810% | 943 |
| Assets per employee ($millions) | 2.8573% | 5,450 |
| Cash dividends to net income (ytd only)* | 26.2695% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,875 |
| Loan loss allowance to noncurrent loans | 45.9051% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 783 |
| Noncurrent loans to loans | 3.1554% | 415 |
| Net loans and leases to total assets | 57.7363% | 4,092 |
| Net loans and leases to deposits | 67.2505% | 4,151 |
| Net loans and leases to core deposits | 69.5769% | 4,274 |
| Total domestic deposits to total assets | 85.8526% | 2,654 |
| Equity capital to assets | 12.4085% | 1,570 |
| Core capital (leverage) ratio | 12.2472% | 1,455 |
| Tier 1 risk-based capital ratio | 20.2004% | 1,345 |
| Total risk-based capital ratio | 21.4525% | 1,319 |
| Memoranda: | ||
| Average total assets | $254,927,800 | 2,466 |
| Average earning assets | $235,858,000 | 2,472 |
| Average equity | $31,855,800 | 2,230 |
| Average total loans | $150,571,400 | 2,636 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 3,383 |
| Cost of funding earning assets | 0.2735% | 4,350 |
| Net interest margin | 3.6849% | 2,776 |
| Noninterest income to average assets | 1.0616% | 1,010 |
| Noninterest expense to average assets | 3.7628% | 782 |
| Loan and lease loss provision to assets | 0.0706% | 2,805 |
| Net operating income to assets | 0.5439% | 4,517 |
| Return on assets (ROA) | 0.5483% | 4,612 |
| Pretax return on assets | 0.6424% | 4,761 |
| Return on Equity (ROE) | 4.3802% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.4031% | 3,859 |
| Net charge-offs to loans | 0.1696% | 1,355 |
| Credit loss provision to net charge-offs | 70.3125% | 2,785 |
| Earnings coverage of net charge-offs (x) | 7.0522% | 2,925 |
| Efficiency ratio | 84.1693% | 986 |
| Assets per employee ($millions) | 2.9076% | 5,461 |
| Cash dividends to net income (ytd only)* | 22.3068% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,936 |
| Loan loss allowance to noncurrent loans | 49.6204% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.7304% | 980 |
| Noncurrent loans to loans | 2.9424% | 522 |
| Net loans and leases to total assets | 57.9514% | 4,097 |
| Net loans and leases to deposits | 67.5051% | 4,204 |
| Net loans and leases to core deposits | 69.6286% | 4,351 |
| Total domestic deposits to total assets | 85.8474% | 2,432 |
| Equity capital to assets | 12.5250% | 1,763 |
| Core capital (leverage) ratio | 11.9204% | 1,731 |
| Tier 1 risk-based capital ratio | 19.6275% | 1,516 |
| Total risk-based capital ratio | 20.8793% | 1,484 |
| Memoranda: | ||
| Average total assets | $255,084,500 | 2,472 |
| Average earning assets | $235,985,750 | 2,476 |
| Average equity | $31,931,000 | 2,246 |
| Average total loans | $150,968,750 | 2,628 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,486 |
| Cost of funding earning assets | 0.2738% | 4,402 |
| Net interest margin | 3.6596% | 2,859 |
| Noninterest income to average assets | 1.0045% | 1,103 |
| Noninterest expense to average assets | 3.7896% | 780 |
| Loan and lease loss provision to assets | 0.1418% | 1,601 |
| Net operating income to assets | 0.4184% | 4,980 |
| Return on assets (ROA) | 0.4191% | 5,063 |
| Pretax return on assets | 0.4546% | 5,234 |
| Return on Equity (ROE) | 3.3490% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.3670% | 4,372 |
| Net charge-offs to loans | 0.4490% | 504 |
| Credit loss provision to net charge-offs | 53.2544% | 2,637 |
| Earnings coverage of net charge-offs (x) | 2.2367% | 3,305 |
| Efficiency ratio | 86.4175% | 845 |
| Assets per employee ($millions) | 2.8279% | 5,589 |
| Cash dividends to net income (ytd only)* | 29.3233% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 2,376 |
| Loan loss allowance to noncurrent loans | 37.1975% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2157% | 691 |
| Noncurrent loans to loans | 3.7134% | 347 |
| Net loans and leases to total assets | 58.8443% | 4,028 |
| Net loans and leases to deposits | 68.7303% | 4,110 |
| Net loans and leases to core deposits | 70.7442% | 4,272 |
| Total domestic deposits to total assets | 85.6163% | 2,600 |
| Equity capital to assets | 12.5628% | 1,733 |
| Core capital (leverage) ratio | 12.1021% | 1,559 |
| Tier 1 risk-based capital ratio | 19.0677% | 1,679 |
| Total risk-based capital ratio | 20.3186% | 1,645 |
| Memoranda: | ||
| Average total assets | $253,853,000 | 2,501 |
| Average earning assets | $234,508,670 | 2,502 |
| Average equity | $31,770,670 | 2,258 |
| Average total loans | $150,562,330 | 2,638 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,616 |
| Cost of funding earning assets | 0.2764% | 4,430 |
| Net interest margin | 3.6159% | 3,019 |
| Noninterest income to average assets | 0.9869% | 1,110 |
| Noninterest expense to average assets | 3.8729% | 710 |
| Loan and lease loss provision to assets | 0.1428% | 1,475 |
| Net operating income to assets | 0.3173% | 5,251 |
| Return on assets (ROA) | 0.3189% | 5,329 |
| Pretax return on assets | 0.3141% | 5,487 |
| Return on Equity (ROE) | 2.5531% | 5,369 |
| Retained earnings to average equity (ytd only) | 1.5623% | 4,645 |
| Net charge-offs to loans | 0.8828% | 228 |
| Credit loss provision to net charge-offs | 27.3556% | 2,244 |
| Earnings coverage of net charge-offs (x) | 0.8723% | 2,887 |
| Efficiency ratio | 89.4795% | 707 |
| Assets per employee ($millions) | 2.7701% | 5,692 |
| Cash dividends to net income (ytd only)* | 38.8060% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 2,563 |
| Loan loss allowance to noncurrent loans | 31.5350% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5947% | 555 |
| Noncurrent loans to loans | 4.3432% | 256 |
| Net loans and leases to total assets | 58.9235% | 3,930 |
| Net loans and leases to deposits | 69.0008% | 3,952 |
| Net loans and leases to core deposits | 71.2155% | 4,138 |
| Total domestic deposits to total assets | 85.3955% | 2,956 |
| Equity capital to assets | 12.7695% | 1,530 |
| Core capital (leverage) ratio | 12.2335% | 1,476 |
| Tier 1 risk-based capital ratio | 19.6446% | 1,583 |
| Total risk-based capital ratio | 20.8951% | 1,546 |
| Memoranda: | ||
| Average total assets | $252,109,500 | 2,526 |
| Average earning assets | $232,969,000 | 2,521 |
| Average equity | $31,491,500 | 2,273 |
| Average total loans | $149,068,000 | 2,664 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 3,384 |
| Cost of funding earning assets | 0.2877% | 4,389 |
| Net interest margin | 3.6917% | 2,780 |
| Noninterest income to average assets | 0.9811% | 1,226 |
| Noninterest expense to average assets | 3.6800% | 1,003 |
| Loan and lease loss provision to assets | 0.1739% | 1,311 |
| Net operating income to assets | 0.4658% | 4,826 |
| Return on assets (ROA) | 0.4658% | 4,903 |
| Pretax return on assets | 0.5161% | 5,077 |
| Return on Equity (ROE) | 3.7843% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.5123% | 4,286 |
| Net charge-offs to loans | 0.1894% | 1,531 |
| Credit loss provision to net charge-offs | 157.0922% | 1,701 |
| Earnings coverage of net charge-offs (x) | 6.2340% | 3,261 |
| Efficiency ratio | 84.2119% | 1,161 |
| Assets per employee ($millions) | 2.8012% | 5,707 |
| Cash dividends to net income (ytd only)* | 33.6142% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,871 |
| Loan loss allowance to noncurrent loans | 36.2783% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.4644% | 631 |
| Noncurrent loans to loans | 4.2107% | 274 |
| Net loans and leases to total assets | 57.6342% | 4,132 |
| Net loans and leases to deposits | 67.1495% | 4,205 |
| Net loans and leases to core deposits | 69.1264% | 4,366 |
| Total domestic deposits to total assets | 85.8297% | 2,720 |
| Equity capital to assets | 12.2190% | 1,805 |
| Core capital (leverage) ratio | 11.8239% | 1,740 |
| Tier 1 risk-based capital ratio | 19.6100% | 1,561 |
| Total risk-based capital ratio | 20.8648% | 1,532 |
| Memoranda: | ||
| Average total assets | $254,811,400 | 2,469 |
| Average earning assets | $233,903,000 | 2,472 |
| Average equity | $31,366,200 | 2,231 |
| Average total loans | $148,901,800 | 2,609 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 3,466 |
| Cost of funding earning assets | 0.2903% | 4,449 |
| Net interest margin | 3.6785% | 2,856 |
| Noninterest income to average assets | 0.9524% | 1,308 |
| Noninterest expense to average assets | 3.5757% | 1,160 |
| Loan and lease loss provision to assets | 0.1743% | 1,218 |
| Net operating income to assets | 0.4935% | 4,813 |
| Return on assets (ROA) | 0.4935% | 4,903 |
| Pretax return on assets | 0.5772% | 5,030 |
| Return on Equity (ROE) | 4.0015% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.9746% | 4,332 |
| Net charge-offs to loans | 0.2168% | 1,206 |
| Credit loss provision to net charge-offs | 137.6033% | 1,792 |
| Earnings coverage of net charge-offs (x) | 5.9339% | 3,130 |
| Efficiency ratio | 82.6339% | 1,311 |
| Assets per employee ($millions) | 2.8459% | 5,711 |
| Cash dividends to net income (ytd only)* | 25.6629% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,456 |
| Loan loss allowance to noncurrent loans | 33.9428% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 672 |
| Noncurrent loans to loans | 4.2124% | 287 |
| Net loans and leases to total assets | 59.4576% | 3,941 |
| Net loans and leases to deposits | 69.2434% | 4,068 |
| Net loans and leases to core deposits | 71.1685% | 4,260 |
| Total domestic deposits to total assets | 85.8676% | 2,606 |
| Equity capital to assets | 12.3626% | 1,822 |
| Core capital (leverage) ratio | 11.8938% | 1,747 |
| Tier 1 risk-based capital ratio | 19.2879% | 1,710 |
| Total risk-based capital ratio | 20.5414% | 1,674 |
| Memoranda: | ||
| Average total assets | $254,787,750 | 2,486 |
| Average earning assets | $233,749,500 | 2,492 |
| Average equity | $31,421,000 | 2,246 |
| Average total loans | $148,829,250 | 2,621 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 3,699 |
| Cost of funding earning assets | 0.2917% | 4,489 |
| Net interest margin | 3.6068% | 3,062 |
| Noninterest income to average assets | 0.8831% | 1,495 |
| Noninterest expense to average assets | 3.5574% | 1,203 |
| Loan and lease loss provision to assets | 0.1966% | 1,009 |
| Net operating income to assets | 0.4065% | 5,115 |
| Return on assets (ROA) | 0.4065% | 5,226 |
| Pretax return on assets | 0.4451% | 5,363 |
| Return on Equity (ROE) | 3.2993% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.2591% | 4,584 |
| Net charge-offs to loans | 0.1497% | 1,594 |
| Credit loss provision to net charge-offs | 227.2727% | 1,117 |
| Earnings coverage of net charge-offs (x) | 7.4182% | 2,674 |
| Efficiency ratio | 84.7191% | 1,186 |
| Assets per employee ($millions) | 2.7523% | 5,864 |
| Cash dividends to net income (ytd only)* | 31.5280% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 2,186 |
| Loan loss allowance to noncurrent loans | 31.8836% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.7969% | 627 |
| Noncurrent loans to loans | 4.7838% | 259 |
| Net loans and leases to total assets | 57.5742% | 4,160 |
| Net loans and leases to deposits | 66.8631% | 4,240 |
| Net loans and leases to core deposits | 68.7059% | 4,436 |
| Total domestic deposits to total assets | 86.1075% | 2,639 |
| Equity capital to assets | 12.2160% | 1,863 |
| Core capital (leverage) ratio | 11.8623% | 1,738 |
| Tier 1 risk-based capital ratio | 20.0124% | 1,537 |
| Total risk-based capital ratio | 21.2665% | 1,513 |
| Memoranda: | ||
| Average total assets | $254,341,330 | 2,506 |
| Average earning assets | $233,833,330 | 2,508 |
| Average equity | $31,340,000 | 2,259 |
| Average total loans | $146,940,330 | 2,661 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,827 |
| Cost of funding earning assets | 0.2926% | 4,528 |
| Net interest margin | 3.5572% | 3,193 |
| Noninterest income to average assets | 0.7752% | 1,809 |
| Noninterest expense to average assets | 3.5307% | 1,243 |
| Loan and lease loss provision to assets | 0.1961% | 948 |
| Net operating income to assets | 0.3013% | 5,411 |
| Return on assets (ROA) | 0.3013% | 5,511 |
| Pretax return on assets | 0.3107% | 5,623 |
| Return on Equity (ROE) | 2.4347% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.3949% | 4,929 |
| Net charge-offs to loans | 0.0738% | 1,971 |
| Credit loss provision to net charge-offs | 462.9630% | 582 |
| Earnings coverage of net charge-offs (x) | 11.9630% | 1,827 |
| Efficiency ratio | 87.4466% | 1,060 |
| Assets per employee ($millions) | 2.8245% | 5,857 |
| Cash dividends to net income (ytd only)* | 42.7083% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 2,363 |
| Loan loss allowance to noncurrent loans | 33.1886% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.6266% | 791 |
| Noncurrent loans to loans | 4.5831% | 334 |
| Net loans and leases to total assets | 56.4397% | 4,154 |
| Net loans and leases to deposits | 65.7870% | 4,175 |
| Net loans and leases to core deposits | 67.7184% | 4,359 |
| Total domestic deposits to total assets | 85.7914% | 3,044 |
| Equity capital to assets | 12.4914% | 1,699 |
| Core capital (leverage) ratio | 12.0703% | 1,596 |
| Tier 1 risk-based capital ratio | 20.7571% | 1,465 |
| Total risk-based capital ratio | 22.0102% | 1,433 |
| Memoranda: | ||
| Average total assets | $254,907,500 | 2,511 |
| Average earning assets | $233,781,500 | 2,522 |
| Average equity | $31,544,000 | 2,256 |
| Average total loans | $146,390,000 | 2,672 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 2,989 |
| Cost of funding earning assets | 0.3125% | 4,656 |
| Net interest margin | 3.8748% | 2,338 |
| Noninterest income to average assets | 0.7944% | 1,900 |
| Noninterest expense to average assets | 3.7158% | 1,119 |
| Loan and lease loss provision to assets | 0.1649% | 1,588 |
| Net operating income to assets | 0.4019% | 5,216 |
| Return on assets (ROA) | 0.4019% | 5,280 |
| Pretax return on assets | 0.3980% | 5,494 |
| Return on Equity (ROE) | 3.3118% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.1099% | 4,726 |
| Net charge-offs to loans | 0.1254% | 2,778 |
| Credit loss provision to net charge-offs | 222.4599% | 1,128 |
| Earnings coverage of net charge-offs (x) | 7.5936% | 3,013 |
| Efficiency ratio | 86.8445% | 1,093 |
| Assets per employee ($millions) | 2.7192% | 6,008 |
| Cash dividends to net income (ytd only)* | 36.2919% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 2,739 |
| Loan loss allowance to noncurrent loans | 30.3625% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7303% | 804 |
| Noncurrent loans to loans | 4.7447% | 332 |
| Net loans and leases to total assets | 56.7163% | 4,237 |
| Net loans and leases to deposits | 65.7302% | 4,355 |
| Net loans and leases to core deposits | 67.6302% | 4,541 |
| Total domestic deposits to total assets | 86.2865% | 2,682 |
| Equity capital to assets | 12.2586% | 1,819 |
| Core capital (leverage) ratio | 11.8660% | 1,723 |
| Tier 1 risk-based capital ratio | 21.1764% | 1,365 |
| Total risk-based capital ratio | 22.4297% | 1,341 |
| Memoranda: | ||
| Average total assets | $252,277,000 | 2,500 |
| Average earning assets | $226,853,000 | 2,554 |
| Average equity | $30,617,800 | 2,239 |
| Average total loans | $149,132,600 | 2,584 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,748 |
| Cost of funding earning assets | 0.3158% | 4,721 |
| Net interest margin | 3.9540% | 2,022 |
| Noninterest income to average assets | 0.7901% | 1,932 |
| Noninterest expense to average assets | 3.6158% | 1,266 |
| Loan and lease loss provision to assets | 0.1676% | 1,476 |
| Net operating income to assets | 0.4677% | 5,005 |
| Return on assets (ROA) | 0.4677% | 5,081 |
| Pretax return on assets | 0.5451% | 5,194 |
| Return on Equity (ROE) | 3.8634% | 5,229 |
| Retained earnings to average equity (ytd only) | 2.7815% | 4,621 |
| Net charge-offs to loans | 0.0971% | 2,838 |
| Credit loss provision to net charge-offs | 289.9083% | 933 |
| Earnings coverage of net charge-offs (x) | 12.3303% | 2,331 |
| Efficiency ratio | 83.5355% | 1,445 |
| Assets per employee ($millions) | 2.4862% | 6,236 |
| Cash dividends to net income (ytd only)* | 28.0050% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 3,198 |
| Loan loss allowance to noncurrent loans | 29.0184% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 2.7935% | 879 |
| Noncurrent loans to loans | 4.8101% | 394 |
| Net loans and leases to total assets | 57.2647% | 4,172 |
| Net loans and leases to deposits | 66.9282% | 4,238 |
| Net loans and leases to core deposits | 68.9327% | 4,421 |
| Total domestic deposits to total assets | 85.5614% | 3,089 |
| Equity capital to assets | 12.0241% | 2,036 |
| Core capital (leverage) ratio | 11.9247% | 1,743 |
| Tier 1 risk-based capital ratio | 20.6120% | 1,526 |
| Total risk-based capital ratio | 21.8641% | 1,490 |
| Memoranda: | ||
| Average total assets | $251,444,000 | 2,528 |
| Average earning assets | $225,017,500 | 2,589 |
| Average equity | $30,438,750 | 2,261 |
| Average total loans | $149,643,000 | 2,582 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 2,293 |
| Cost of funding earning assets | 0.3184% | 4,778 |
| Net interest margin | 4.0515% | 1,659 |
| Noninterest income to average assets | 0.7604% | 2,005 |
| Noninterest expense to average assets | 3.7042% | 1,132 |
| Loan and lease loss provision to assets | 0.2176% | 1,073 |
| Net operating income to assets | 0.4119% | 5,171 |
| Return on assets (ROA) | 0.4119% | 5,252 |
| Pretax return on assets | 0.4657% | 5,375 |
| Return on Equity (ROE) | 3.3949% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.3096% | 4,728 |
| Net charge-offs to loans | 0.2676% | 1,478 |
| Credit loss provision to net charge-offs | 135.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 4.2550% | 3,145 |
| Efficiency ratio | 84.4253% | 1,453 |
| Assets per employee ($millions) | 2.4738% | 6,312 |
| Cash dividends to net income (ytd only)* | 31.9688% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 3,774 |
| Loan loss allowance to noncurrent loans | 27.8014% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 2.7939% | 936 |
| Noncurrent loans to loans | 4.7318% | 448 |
| Net loans and leases to total assets | 58.2699% | 3,957 |
| Net loans and leases to deposits | 67.7728% | 4,077 |
| Net loans and leases to core deposits | 69.8385% | 4,284 |
| Total domestic deposits to total assets | 85.9783% | 3,052 |
| Equity capital to assets | 12.2387% | 1,824 |
| Core capital (leverage) ratio | 11.9925% | 1,656 |
| Tier 1 risk-based capital ratio | 20.8362% | 1,477 |
| Total risk-based capital ratio | 22.0881% | 1,458 |
| Memoranda: | ||
| Average total assets | $249,070,670 | 2,551 |
| Average earning assets | $222,981,670 | 2,614 |
| Average equity | $30,221,670 | 2,266 |
| Average total loans | $149,470,000 | 2,583 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 2,972 |
| Cost of funding earning assets | 0.3210% | 4,850 |
| Net interest margin | 3.8517% | 2,266 |
| Noninterest income to average assets | 0.7565% | 1,928 |
| Noninterest expense to average assets | 3.7439% | 1,065 |
| Loan and lease loss provision to assets | 0.1956% | 1,199 |
| Net operating income to assets | 0.2506% | 5,661 |
| Return on assets (ROA) | 0.2506% | 5,704 |
| Pretax return on assets | 0.2506% | 5,823 |
| Return on Equity (ROE) | 2.0742% | 5,758 |
| Retained earnings to average equity (ytd only) | 0.9769% | 5,205 |
| Net charge-offs to loans | -0.0294% | 5,546 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3519% | 1,092 |
| Assets per employee ($millions) | 2.4986% | 6,366 |
| Cash dividends to net income (ytd only)* | 52.9032% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,828 |
| Loan loss allowance to noncurrent loans | 25.6209% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 3.1905% | 847 |
| Noncurrent loans to loans | 5.2870% | 396 |
| Net loans and leases to total assets | 59.5285% | 3,633 |
| Net loans and leases to deposits | 69.0985% | 3,725 |
| Net loans and leases to core deposits | 71.1114% | 3,972 |
| Total domestic deposits to total assets | 86.1503% | 3,280 |
| Equity capital to assets | 12.1854% | 1,752 |
| Core capital (leverage) ratio | 12.0698% | 1,610 |
| Tier 1 risk-based capital ratio | 20.6082% | 1,557 |
| Total risk-based capital ratio | 21.8604% | 1,529 |
| Memoranda: | ||
| Average total assets | $247,440,500 | 2,580 |
| Average earning assets | $220,576,500 | 2,648 |
| Average equity | $29,891,500 | 2,279 |
| Average total loans | $149,708,500 | 2,587 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 3,148 |
| Cost of funding earning assets | 0.3686% | 4,969 |
| Net interest margin | 3.8826% | 2,358 |
| Noninterest income to average assets | 0.9033% | 1,667 |
| Noninterest expense to average assets | 3.7638% | 1,195 |
| Loan and lease loss provision to assets | 0.9414% | 200 |
| Net operating income to assets | -0.0994% | 6,299 |
| Return on assets (ROA) | -0.0994% | 6,318 |
| Pretax return on assets | -0.3345% | 6,429 |
| Return on Equity (ROE) | -0.7941% | 6,308 |
| Retained earnings to average equity (ytd only) | -1.8692% | 6,162 |
| Net charge-offs to loans | 1.7056% | 251 |
| Credit loss provision to net charge-offs | 91.6766% | 2,710 |
| Earnings coverage of net charge-offs (x) | 0.5910% | 4,886 |
| Efficiency ratio | 86.1153% | 1,405 |
| Assets per employee ($millions) | 2.4752% | 6,419 |
| Cash dividends to net income (ytd only)* | -135.3909% | 6,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,357 |
| Loan loss allowance to noncurrent loans | 25.6902% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.0099% | 1,048 |
| Noncurrent loans to loans | 4.8973% | 529 |
| Net loans and leases to total assets | 59.8964% | 3,739 |
| Net loans and leases to deposits | 69.5413% | 3,838 |
| Net loans and leases to core deposits | 71.8401% | 4,093 |
| Total domestic deposits to total assets | 86.1308% | 3,185 |
| Equity capital to assets | 11.9752% | 1,823 |
| Core capital (leverage) ratio | 11.9448% | 1,647 |
| Tier 1 risk-based capital ratio | 20.2666% | 1,595 |
| Total risk-based capital ratio | 21.5173% | 1,559 |
| Memoranda: | ||
| Average total assets | $244,539,200 | 2,582 |
| Average earning assets | $218,386,200 | 2,640 |
| Average equity | $30,600,800 | 2,223 |
| Average total loans | $147,224,800 | 2,599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 3,063 |
| Cost of funding earning assets | 0.3783% | 5,016 |
| Net interest margin | 3.9060% | 2,252 |
| Noninterest income to average assets | 0.9335% | 1,654 |
| Noninterest expense to average assets | 3.6221% | 1,360 |
| Loan and lease loss provision to assets | 1.0145% | 165 |
| Net operating income to assets | -0.0656% | 6,355 |
| Return on assets (ROA) | -0.0656% | 6,390 |
| Pretax return on assets | -0.2078% | 6,475 |
| Return on Equity (ROE) | -0.5188% | 6,384 |
| Retained earnings to average equity (ytd only) | -1.5866% | 6,211 |
| Net charge-offs to loans | 1.8467% | 221 |
| Credit loss provision to net charge-offs | 91.4243% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.7270% | 4,607 |
| Efficiency ratio | 81.7856% | 1,851 |
| Assets per employee ($millions) | 2.5018% | 6,477 |
| Cash dividends to net income (ytd only)* | -205.8313% | 6,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,593 |
| Loan loss allowance to noncurrent loans | 21.9986% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 3.5704% | 936 |
| Noncurrent loans to loans | 5.7281% | 467 |
| Net loans and leases to total assets | 60.8707% | 3,547 |
| Net loans and leases to deposits | 71.5718% | 3,567 |
| Net loans and leases to core deposits | 73.9608% | 3,850 |
| Total domestic deposits to total assets | 85.0485% | 3,730 |
| Equity capital to assets | 12.1684% | 1,807 |
| Core capital (leverage) ratio | 12.2941% | 1,523 |
| Tier 1 risk-based capital ratio | 20.7867% | 1,536 |
| Total risk-based capital ratio | 22.0373% | 1,508 |
| Memoranda: | ||
| Average total assets | $243,794,250 | 2,603 |
| Average earning assets | $218,154,500 | 2,655 |
| Average equity | $30,840,750 | 2,226 |
| Average total loans | $146,495,000 | 2,628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,114 |
| Cost of funding earning assets | 0.3917% | 5,018 |
| Net interest margin | 3.8698% | 2,312 |
| Noninterest income to average assets | 1.0441% | 1,398 |
| Noninterest expense to average assets | 3.5785% | 1,451 |
| Loan and lease loss provision to assets | 1.3138% | 117 |
| Net operating income to assets | -0.1542% | 6,458 |
| Return on assets (ROA) | -0.1542% | 6,496 |
| Pretax return on assets | -0.3769% | 6,586 |
| Return on Equity (ROE) | -1.2035% | 6,470 |
| Retained earnings to average equity (ytd only) | -2.2591% | 6,221 |
| Net charge-offs to loans | 2.6767% | 130 |
| Credit loss provision to net charge-offs | 82.4108% | 2,581 |
| Earnings coverage of net charge-offs (x) | 0.5877% | 4,338 |
| Efficiency ratio | 79.2511% | 2,265 |
| Assets per employee ($millions) | 2.3897% | 6,583 |
| Cash dividends to net income (ytd only)* | -87.7005% | 6,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 4,895 |
| Loan loss allowance to noncurrent loans | 20.9410% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 3.4107% | 1,139 |
| Noncurrent loans to loans | 5.8134% | 512 |
| Net loans and leases to total assets | 57.9556% | 3,993 |
| Net loans and leases to deposits | 67.3887% | 4,091 |
| Net loans and leases to core deposits | 69.4521% | 4,328 |
| Total domestic deposits to total assets | 86.0020% | 3,365 |
| Equity capital to assets | 12.2408% | 1,747 |
| Core capital (leverage) ratio | 12.4630% | 1,373 |
| Tier 1 risk-based capital ratio | 21.8250% | 1,318 |
| Total risk-based capital ratio | 23.0750% | 1,293 |
| Memoranda: | ||
| Average total assets | $242,501,000 | 2,631 |
| Average earning assets | $217,529,670 | 2,669 |
| Average equity | $31,075,000 | 2,214 |
| Average total loans | $144,431,670 | 2,652 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 3,092 |
| Cost of funding earning assets | 0.4051% | 5,051 |
| Net interest margin | 3.8477% | 2,292 |
| Noninterest income to average assets | 0.9074% | 1,732 |
| Noninterest expense to average assets | 3.7310% | 1,203 |
| Loan and lease loss provision to assets | 0.4205% | 719 |
| Net operating income to assets | 0.2127% | 5,846 |
| Return on assets (ROA) | 0.2127% | 5,965 |
| Pretax return on assets | 0.2127% | 6,049 |
| Return on Equity (ROE) | 1.6229% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.5832% | 5,597 |
| Net charge-offs to loans | 0.3932% | 1,473 |
| Credit loss provision to net charge-offs | 178.1690% | 1,195 |
| Earnings coverage of net charge-offs (x) | 2.6831% | 2,972 |
| Efficiency ratio | 85.4912% | 1,585 |
| Assets per employee ($millions) | 2.4408% | 6,631 |
| Cash dividends to net income (ytd only)* | 64.0625% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 3,624 |
| Loan loss allowance to noncurrent loans | 23.8198% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 3.8880% | 1,050 |
| Noncurrent loans to loans | 6.5013% | 493 |
| Net loans and leases to total assets | 58.1442% | 3,767 |
| Net loans and leases to deposits | 68.2514% | 3,749 |
| Net loans and leases to core deposits | 70.3963% | 4,024 |
| Total domestic deposits to total assets | 85.1911% | 3,949 |
| Equity capital to assets | 13.0289% | 1,419 |
| Core capital (leverage) ratio | 12.8017% | 1,192 |
| Tier 1 risk-based capital ratio | 22.7377% | 1,200 |
| Total risk-based capital ratio | 23.9928% | 1,181 |
| Memoranda: | ||
| Average total assets | $240,684,000 | 2,666 |
| Average earning assets | $216,232,500 | 2,705 |
| Average equity | $31,548,000 | 2,210 |
| Average total loans | $144,444,000 | 2,658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 3,071 |
| Cost of funding earning assets | 0.4576% | 5,520 |
| Net interest margin | 4.1244% | 1,903 |
| Noninterest income to average assets | 1.1507% | 1,181 |
| Noninterest expense to average assets | 3.6826% | 1,447 |
| Loan and lease loss provision to assets | 0.7945% | 615 |
| Net operating income to assets | 0.3494% | 5,295 |
| Return on assets (ROA) | 0.3498% | 5,513 |
| Pretax return on assets | 0.3983% | 5,582 |
| Return on Equity (ROE) | 2.6034% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.3001% | 5,219 |
| Net charge-offs to loans | 1.8627% | 418 |
| Credit loss provision to net charge-offs | 66.5121% | 4,271 |
| Earnings coverage of net charge-offs (x) | 0.9982% | 4,973 |
| Efficiency ratio | 75.5396% | 2,823 |
| Assets per employee ($millions) | 2.4462% | 6,660 |
| Cash dividends to net income (ytd only)* | 50.0609% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,994 |
| Loan loss allowance to noncurrent loans | 20.9926% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 4.3357% | 966 |
| Noncurrent loans to loans | 6.8368% | 473 |
| Net loans and leases to total assets | 60.1016% | 3,588 |
| Net loans and leases to deposits | 70.4749% | 3,642 |
| Net loans and leases to core deposits | 72.5981% | 3,964 |
| Total domestic deposits to total assets | 85.2809% | 3,721 |
| Equity capital to assets | 13.1870% | 1,361 |
| Core capital (leverage) ratio | 12.7940% | 1,202 |
| Tier 1 risk-based capital ratio | 22.6483% | 1,161 |
| Total risk-based capital ratio | 23.9019% | 1,140 |
| Memoranda: | ||
| Average total assets | $234,725,000 | 2,681 |
| Average earning assets | $211,956,000 | 2,708 |
| Average equity | $31,536,200 | 2,166 |
| Average total loans | $150,534,000 | 2,567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 3,045 |
| Cost of funding earning assets | 0.4680% | 5,657 |
| Net interest margin | 4.1756% | 1,806 |
| Noninterest income to average assets | 1.0525% | 1,368 |
| Noninterest expense to average assets | 3.6286% | 1,504 |
| Loan and lease loss provision to assets | 0.5408% | 1,093 |
| Net operating income to assets | 0.5105% | 4,803 |
| Return on assets (ROA) | 0.5105% | 5,064 |
| Pretax return on assets | 0.6487% | 5,016 |
| Return on Equity (ROE) | 3.7820% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.7371% | 4,910 |
| Net charge-offs to loans | 0.1231% | 4,144 |
| Credit loss provision to net charge-offs | 676.4286% | 397 |
| Earnings coverage of net charge-offs (x) | 14.8787% | 1,811 |
| Efficiency ratio | 75.3111% | 2,776 |
| Assets per employee ($millions) | 2.4118% | 6,773 |
| Cash dividends to net income (ytd only)* | 27.6291% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 1,172 |
| Loan loss allowance to noncurrent loans | 28.7392% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 5.6004% | 752 |
| Noncurrent loans to loans | 8.8062% | 325 |
| Net loans and leases to total assets | 61.9865% | 3,379 |
| Net loans and leases to deposits | 73.7490% | 3,326 |
| Net loans and leases to core deposits | 75.6969% | 3,763 |
| Total domestic deposits to total assets | 84.0506% | 4,190 |
| Equity capital to assets | 13.4101% | 1,388 |
| Core capital (leverage) ratio | 13.0823% | 1,156 |
| Tier 1 risk-based capital ratio | 22.3876% | 1,266 |
| Total risk-based capital ratio | 23.6560% | 1,242 |
| Memoranda: | ||
| Average total assets | $233,474,000 | 2,718 |
| Average earning assets | $210,549,500 | 2,752 |
| Average equity | $31,517,000 | 2,189 |
| Average total loans | $151,622,750 | 2,582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 3,112 |
| Cost of funding earning assets | 0.4784% | 5,772 |
| Net interest margin | 4.1775% | 1,818 |
| Noninterest income to average assets | 1.0435% | 1,335 |
| Noninterest expense to average assets | 3.6606% | 1,444 |
| Loan and lease loss provision to assets | 0.4618% | 1,384 |
| Net operating income to assets | 0.5377% | 4,638 |
| Return on assets (ROA) | 0.5377% | 4,915 |
| Pretax return on assets | 0.6974% | 4,836 |
| Return on Equity (ROE) | 3.9745% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.9283% | 4,685 |
| Net charge-offs to loans | 0.1808% | 3,509 |
| Credit loss provision to net charge-offs | 390.5109% | 757 |
| Earnings coverage of net charge-offs (x) | 9.8029% | 2,128 |
| Efficiency ratio | 75.9491% | 2,750 |
| Assets per employee ($millions) | 2.2694% | 6,935 |
| Cash dividends to net income (ytd only)* | 26.3242% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 1,642 |
| Loan loss allowance to noncurrent loans | 27.0948% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 5.4998% | 811 |
| Noncurrent loans to loans | 8.3769% | 391 |
| Net loans and leases to total assets | 63.8769% | 3,064 |
| Net loans and leases to deposits | 75.7053% | 3,030 |
| Net loans and leases to core deposits | 77.9745% | 3,519 |
| Total domestic deposits to total assets | 84.3758% | 4,153 |
| Equity capital to assets | 13.6456% | 1,243 |
| Core capital (leverage) ratio | 13.3784% | 1,023 |
| Tier 1 risk-based capital ratio | 22.8171% | 1,158 |
| Total risk-based capital ratio | 24.0830% | 1,138 |
| Memoranda: | ||
| Average total assets | $231,709,330 | 2,737 |
| Average earning assets | $209,456,670 | 2,768 |
| Average equity | $31,349,670 | 2,181 |
| Average total loans | $151,548,000 | 2,594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 3,279 |
| Cost of funding earning assets | 0.4964% | 5,840 |
| Net interest margin | 4.1511% | 1,935 |
| Noninterest income to average assets | 1.0905% | 1,208 |
| Noninterest expense to average assets | 3.7943% | 1,219 |
| Loan and lease loss provision to assets | 0.4314% | 1,453 |
| Net operating income to assets | 0.4762% | 4,925 |
| Return on assets (ROA) | 0.4762% | 5,123 |
| Pretax return on assets | 0.6160% | 5,061 |
| Return on Equity (ROE) | 3.5349% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.4847% | 5,017 |
| Net charge-offs to loans | 0.3508% | 2,250 |
| Credit loss provision to net charge-offs | 187.9699% | 1,397 |
| Earnings coverage of net charge-offs (x) | 4.5639% | 2,552 |
| Efficiency ratio | 78.3678% | 2,443 |
| Assets per employee ($millions) | 2.2608% | 7,017 |
| Cash dividends to net income (ytd only)* | 29.7101% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0941% | 2,112 |
| Loan loss allowance to noncurrent loans | 25.4170% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 5.3920% | 929 |
| Noncurrent loans to loans | 8.2388% | 457 |
| Net loans and leases to total assets | 63.9468% | 2,858 |
| Net loans and leases to deposits | 76.1641% | 2,772 |
| Net loans and leases to core deposits | 78.4702% | 3,268 |
| Total domestic deposits to total assets | 83.9593% | 4,512 |
| Equity capital to assets | 13.5745% | 1,209 |
| Core capital (leverage) ratio | 13.3835% | 991 |
| Tier 1 risk-based capital ratio | 23.0785% | 1,119 |
| Total risk-based capital ratio | 24.3428% | 1,103 |
| Memoranda: | ||
| Average total assets | $231,823,500 | 2,751 |
| Average earning assets | $209,488,000 | 2,784 |
| Average equity | $31,231,000 | 2,188 |
| Average total loans | $151,673,500 | 2,608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 3,128 |
| Cost of funding earning assets | 0.6363% | 5,894 |
| Net interest margin | 4.3087% | 1,674 |
| Noninterest income to average assets | 0.7966% | 2,080 |
| Noninterest expense to average assets | 3.7210% | 1,498 |
| Loan and lease loss provision to assets | 0.5550% | 1,881 |
| Net operating income to assets | 0.3413% | 5,104 |
| Return on assets (ROA) | 0.3674% | 5,169 |
| Pretax return on assets | 0.4462% | 5,141 |
| Return on Equity (ROE) | 2.7646% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.4183% | 5,188 |
| Net charge-offs to loans | 0.0829% | 5,495 |
| Credit loss provision to net charge-offs | 1,020.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 17.8160% | 1,250 |
| Efficiency ratio | 79.3318% | 2,399 |
| Assets per employee ($millions) | 2.2408% | 7,055 |
| Cash dividends to net income (ytd only)* | 48.6967% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 2,314 |
| Loan loss allowance to noncurrent loans | 23.4300% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 5.5684% | 914 |
| Noncurrent loans to loans | 8.4868% | 446 |
| Net loans and leases to total assets | 64.2337% | 3,137 |
| Net loans and leases to deposits | 76.5041% | 3,094 |
| Net loans and leases to core deposits | 78.7959% | 3,591 |
| Total domestic deposits to total assets | 83.9611% | 4,332 |
| Equity capital to assets | 13.3703% | 1,336 |
| Core capital (leverage) ratio | 12.9850% | 1,147 |
| Tier 1 risk-based capital ratio | 22.5182% | 1,162 |
| Total risk-based capital ratio | 23.7877% | 1,135 |
| Memoranda: | ||
| Average total assets | $229,723,200 | 2,723 |
| Average earning assets | $207,602,200 | 2,757 |
| Average equity | $30,529,000 | 2,157 |
| Average total loans | $150,802,200 | 2,633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 3,170 |
| Cost of funding earning assets | 0.6584% | 5,992 |
| Net interest margin | 4.3256% | 1,625 |
| Noninterest income to average assets | 0.7275% | 2,435 |
| Noninterest expense to average assets | 3.6931% | 1,511 |
| Loan and lease loss provision to assets | 0.3815% | 2,569 |
| Net operating income to assets | 0.4378% | 4,828 |
| Return on assets (ROA) | 0.4677% | 4,877 |
| Pretax return on assets | 0.6023% | 4,805 |
| Return on Equity (ROE) | 3.5251% | 5,212 |
| Retained earnings to average equity (ytd only) | 2.4408% | 4,902 |
| Net charge-offs to loans | 0.1286% | 4,760 |
| Credit loss provision to net charge-offs | 451.7241% | 612 |
| Earnings coverage of net charge-offs (x) | 11.1930% | 1,834 |
| Efficiency ratio | 79.6182% | 2,313 |
| Assets per employee ($millions) | 2.2497% | 7,110 |
| Cash dividends to net income (ytd only)* | 30.7601% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,731 |
| Loan loss allowance to noncurrent loans | 19.3291% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 5.3196% | 1,066 |
| Noncurrent loans to loans | 8.2037% | 525 |
| Net loans and leases to total assets | 63.5846% | 3,397 |
| Net loans and leases to deposits | 76.0941% | 3,315 |
| Net loans and leases to core deposits | 78.3743% | 3,843 |
| Total domestic deposits to total assets | 83.5605% | 4,453 |
| Equity capital to assets | 13.3164% | 1,455 |
| Core capital (leverage) ratio | 13.1726% | 1,163 |
| Tier 1 risk-based capital ratio | 22.4453% | 1,223 |
| Total risk-based capital ratio | 23.7085% | 1,197 |
| Memoranda: | ||
| Average total assets | $228,892,500 | 2,741 |
| Average earning assets | $206,947,000 | 2,768 |
| Average equity | $30,371,500 | 2,171 |
| Average total loans | $150,320,000 | 2,653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 2,871 |
| Cost of funding earning assets | 0.6770% | 6,089 |
| Net interest margin | 4.3849% | 1,418 |
| Noninterest income to average assets | 0.6875% | 2,617 |
| Noninterest expense to average assets | 3.7236% | 1,483 |
| Loan and lease loss provision to assets | 0.2729% | 3,205 |
| Net operating income to assets | 0.5121% | 4,449 |
| Return on assets (ROA) | 0.5114% | 4,590 |
| Pretax return on assets | 0.6699% | 4,500 |
| Return on Equity (ROE) | 3.8592% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.7698% | 4,519 |
| Net charge-offs to loans | 0.1866% | 4,043 |
| Credit loss provision to net charge-offs | 221.4286% | 1,349 |
| Earnings coverage of net charge-offs (x) | 7.6571% | 2,190 |
| Efficiency ratio | 79.7812% | 2,423 |
| Assets per employee ($millions) | 2.1797% | 7,198 |
| Cash dividends to net income (ytd only)* | 28.2272% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,702 |
| Loan loss allowance to noncurrent loans | 17.2730% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 5.2205% | 1,163 |
| Noncurrent loans to loans | 7.9633% | 572 |
| Net loans and leases to total assets | 64.4126% | 3,376 |
| Net loans and leases to deposits | 76.0808% | 3,453 |
| Net loans and leases to core deposits | 78.2694% | 4,024 |
| Total domestic deposits to total assets | 84.6634% | 4,044 |
| Equity capital to assets | 13.3301% | 1,367 |
| Core capital (leverage) ratio | 13.3375% | 1,052 |
| Tier 1 risk-based capital ratio | 21.9018% | 1,272 |
| Total risk-based capital ratio | 23.1524% | 1,245 |
| Memoranda: | ||
| Average total assets | $227,201,000 | 2,781 |
| Average earning assets | $206,206,330 | 2,805 |
| Average equity | $30,110,000 | 2,182 |
| Average total loans | $150,038,670 | 2,687 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 2,503 |
| Cost of funding earning assets | 0.6974% | 6,157 |
| Net interest margin | 4.4351% | 1,206 |
| Noninterest income to average assets | 0.7475% | 2,269 |
| Noninterest expense to average assets | 3.7673% | 1,403 |
| Loan and lease loss provision to assets | 0.2297% | 3,352 |
| Net operating income to assets | 0.5867% | 4,106 |
| Return on assets (ROA) | 0.5867% | 4,173 |
| Pretax return on assets | 0.7846% | 3,956 |
| Return on Equity (ROE) | 4.4398% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.3433% | 4,174 |
| Net charge-offs to loans | 0.0692% | 4,236 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 22.0769% | 1,061 |
| Efficiency ratio | 78.7879% | 2,720 |
| Assets per employee ($millions) | 2.1185% | 7,295 |
| Cash dividends to net income (ytd only)* | 24.6988% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,959 |
| Loan loss allowance to noncurrent loans | 17.0830% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 5.2267% | 1,192 |
| Noncurrent loans to loans | 7.8258% | 653 |
| Net loans and leases to total assets | 65.4009% | 3,150 |
| Net loans and leases to deposits | 77.4913% | 3,156 |
| Net loans and leases to core deposits | 79.9037% | 3,773 |
| Total domestic deposits to total assets | 84.3978% | 4,325 |
| Equity capital to assets | 13.3654% | 1,233 |
| Core capital (leverage) ratio | 13.3916% | 997 |
| Tier 1 risk-based capital ratio | 21.8277% | 1,255 |
| Total risk-based capital ratio | 23.0869% | 1,224 |
| Memoranda: | ||
| Average total assets | $226,369,000 | 2,803 |
| Average earning assets | $205,903,000 | 2,828 |
| Average equity | $29,911,000 | 2,184 |
| Average total loans | $150,321,000 | 2,711 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 2,053 |
| Cost of funding earning assets | 0.8802% | 6,241 |
| Net interest margin | 4.6783% | 857 |
| Noninterest income to average assets | 0.7824% | 2,366 |
| Noninterest expense to average assets | 4.1242% | 998 |
| Loan and lease loss provision to assets | 0.2543% | 4,755 |
| Net operating income to assets | 0.4964% | 4,113 |
| Return on assets (ROA) | 0.5785% | 3,922 |
| Pretax return on assets | 0.7488% | 3,802 |
| Return on Equity (ROE) | 4.3715% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.9979% | 3,748 |
| Net charge-offs to loans | 0.2093% | 5,039 |
| Credit loss provision to net charge-offs | 176.9231% | 1,880 |
| Earnings coverage of net charge-offs (x) | 6.2369% | 2,408 |
| Efficiency ratio | 82.1441% | 2,146 |
| Assets per employee ($millions) | 2.0744% | 7,386 |
| Cash dividends to net income (ytd only)* | 31.4220% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,306 |
| Loan loss allowance to noncurrent loans | 20.7021% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 4.0332% | 1,685 |
| Noncurrent loans to loans | 6.0050% | 1,044 |
| Net loans and leases to total assets | 65.6946% | 3,523 |
| Net loans and leases to deposits | 78.0841% | 3,497 |
| Net loans and leases to core deposits | 80.3717% | 4,159 |
| Total domestic deposits to total assets | 84.1331% | 4,305 |
| Equity capital to assets | 13.0638% | 1,367 |
| Core capital (leverage) ratio | 13.2149% | 1,057 |
| Tier 1 risk-based capital ratio | 21.3278% | 1,272 |
| Total risk-based capital ratio | 22.5776% | 1,248 |
| Memoranda: | ||
| Average total assets | $226,102,800 | 2,800 |
| Average earning assets | $204,840,600 | 2,808 |
| Average equity | $29,921,200 | 2,184 |
| Average total loans | $155,252,800 | 2,680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6502% | 1,884 |
| Cost of funding earning assets | 0.9184% | 6,316 |
| Net interest margin | 4.7318% | 779 |
| Noninterest income to average assets | 0.6832% | 2,925 |
| Noninterest expense to average assets | 3.9565% | 1,107 |
| Loan and lease loss provision to assets | 0.1093% | 5,938 |
| Net operating income to assets | 0.6157% | 3,813 |
| Return on assets (ROA) | 0.7140% | 3,503 |
| Pretax return on assets | 1.0385% | 3,036 |
| Return on Equity (ROE) | 5.3779% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.2827% | 3,480 |
| Net charge-offs to loans | 0.1870% | 4,830 |
| Credit loss provision to net charge-offs | 84.4749% | 4,980 |
| Earnings coverage of net charge-offs (x) | 7.7672% | 2,273 |
| Efficiency ratio | 79.7379% | 2,380 |
| Assets per employee ($millions) | 2.1164% | 7,448 |
| Cash dividends to net income (ytd only)* | 20.3641% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 6,318 |
| Loan loss allowance to noncurrent loans | 26.4138% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 2.6919% | 2,683 |
| Noncurrent loans to loans | 3.8479% | 1,985 |
| Net loans and leases to total assets | 68.2571% | 3,148 |
| Net loans and leases to deposits | 81.2964% | 3,218 |
| Net loans and leases to core deposits | 83.6713% | 3,998 |
| Total domestic deposits to total assets | 83.9608% | 4,152 |
| Equity capital to assets | 13.3197% | 1,439 |
| Core capital (leverage) ratio | 13.3140% | 1,113 |
| Tier 1 risk-based capital ratio | 20.8049% | 1,398 |
| Total risk-based capital ratio | 21.9146% | 1,397 |
| Memoranda: | ||
| Average total assets | $225,583,500 | 2,844 |
| Average earning assets | $203,974,750 | 2,870 |
| Average equity | $29,949,250 | 2,203 |
| Average total loans | $156,118,750 | 2,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6553% | 1,925 |
| Cost of funding earning assets | 0.9521% | 6,370 |
| Net interest margin | 4.7032% | 810 |
| Noninterest income to average assets | 0.6153% | 3,223 |
| Noninterest expense to average assets | 3.8462% | 1,271 |
| Loan and lease loss provision to assets | 0.1069% | 5,848 |
| Net operating income to assets | 0.6579% | 3,593 |
| Return on assets (ROA) | 0.6670% | 3,693 |
| Pretax return on assets | 0.9155% | 3,432 |
| Return on Equity (ROE) | 5.0295% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.9283% | 3,586 |
| Net charge-offs to loans | 0.2609% | 4,040 |
| Credit loss provision to net charge-offs | 59.1133% | 5,228 |
| Earnings coverage of net charge-offs (x) | 5.5862% | 2,638 |
| Efficiency ratio | 79.2041% | 2,545 |
| Assets per employee ($millions) | 1.9661% | 7,594 |
| Cash dividends to net income (ytd only)* | 21.8959% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,454 |
| Loan loss allowance to noncurrent loans | 24.5650% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 2.8271% | 2,554 |
| Noncurrent loans to loans | 4.0266% | 1,879 |
| Net loans and leases to total assets | 68.7538% | 3,184 |
| Net loans and leases to deposits | 81.9450% | 3,283 |
| Net loans and leases to core deposits | 84.3382% | 4,095 |
| Total domestic deposits to total assets | 83.9023% | 4,145 |
| Equity capital to assets | 13.3887% | 1,396 |
| Core capital (leverage) ratio | 13.2438% | 1,126 |
| Tier 1 risk-based capital ratio | 20.6038% | 1,407 |
| Total risk-based capital ratio | 21.6827% | 1,412 |
| Memoranda: | ||
| Average total assets | $224,587,670 | 2,876 |
| Average earning assets | $202,501,000 | 2,908 |
| Average equity | $29,784,000 | 2,203 |
| Average total loans | $155,619,000 | 2,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6076% | 2,118 |
| Cost of funding earning assets | 0.9814% | 6,455 |
| Net interest margin | 4.6262% | 906 |
| Noninterest income to average assets | 0.5933% | 3,321 |
| Noninterest expense to average assets | 3.8779% | 1,211 |
| Loan and lease loss provision to assets | 0.1072% | 5,554 |
| Net operating income to assets | 0.5683% | 4,039 |
| Return on assets (ROA) | 0.5736% | 4,159 |
| Pretax return on assets | 0.7684% | 3,996 |
| Return on Equity (ROE) | 4.3466% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.2363% | 4,209 |
| Net charge-offs to loans | 0.0336% | 5,109 |
| Credit loss provision to net charge-offs | 461.5385% | 911 |
| Earnings coverage of net charge-offs (x) | 37.3846% | 730 |
| Efficiency ratio | 81.7018% | 2,314 |
| Assets per employee ($millions) | 2.0791% | 7,626 |
| Cash dividends to net income (ytd only)* | 25.5452% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 6,136 |
| Loan loss allowance to noncurrent loans | 25.0335% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 3.0395% | 2,352 |
| Noncurrent loans to loans | 4.2872% | 1,778 |
| Net loans and leases to total assets | 69.0885% | 3,138 |
| Net loans and leases to deposits | 82.4105% | 3,211 |
| Net loans and leases to core deposits | 84.7276% | 4,100 |
| Total domestic deposits to total assets | 83.8346% | 4,231 |
| Equity capital to assets | 13.2666% | 1,411 |
| Core capital (leverage) ratio | 13.2329% | 1,148 |
| Tier 1 risk-based capital ratio | 20.1730% | 1,490 |
| Total risk-based capital ratio | 21.3314% | 1,478 |
| Memoranda: | ||
| Average total assets | $223,831,000 | 2,942 |
| Average earning assets | $200,942,000 | 2,981 |
| Average equity | $29,540,000 | 2,241 |
| Average total loans | $154,925,500 | 2,828 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9063% | 2,202 |
| Cost of funding earning assets | 1.2855% | 6,358 |
| Net interest margin | 4.6208% | 944 |
| Noninterest income to average assets | 0.7918% | 2,446 |
| Noninterest expense to average assets | 4.1192% | 1,197 |
| Loan and lease loss provision to assets | 0.1255% | 6,383 |
| Net operating income to assets | 0.5479% | 3,537 |
| Return on assets (ROA) | 0.6228% | 3,302 |
| Pretax return on assets | 0.8312% | 3,144 |
| Return on Equity (ROE) | 4.6082% | 3,841 |
| Retained earnings to average equity (ytd only) | 3.2156% | 2,907 |
| Net charge-offs to loans | 0.1659% | 5,629 |
| Credit loss provision to net charge-offs | 111.3821% | 4,934 |
| Earnings coverage of net charge-offs (x) | 7.6057% | 2,117 |
| Efficiency ratio | 82.7812% | 2,504 |
| Assets per employee ($millions) | 2.1454% | 7,619 |
| Cash dividends to net income (ytd only)* | 30.2206% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 6,046 |
| Loan loss allowance to noncurrent loans | 27.5978% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 2,568 |
| Noncurrent loans to loans | 3.8736% | 1,918 |
| Net loans and leases to total assets | 67.8556% | 3,734 |
| Net loans and leases to deposits | 80.7587% | 3,847 |
| Net loans and leases to core deposits | 92.5943% | 4,819 |
| Total domestic deposits to total assets | 84.0226% | 4,016 |
| Equity capital to assets | 13.1279% | 1,458 |
| Core capital (leverage) ratio | 13.1208% | 1,220 |
| Tier 1 risk-based capital ratio | 21.0192% | 1,287 |
| Total risk-based capital ratio | 22.2021% | 1,274 |
| Memoranda: | ||
| Average total assets | $218,370,000 | 2,965 |
| Average earning assets | $197,738,200 | 3,000 |
| Average equity | $29,512,600 | 2,265 |
| Average total loans | $148,237,800 | 2,949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0104% | 1,994 |
| Cost of funding earning assets | 1.3399% | 6,431 |
| Net interest margin | 4.6706% | 879 |
| Noninterest income to average assets | 0.8048% | 2,403 |
| Noninterest expense to average assets | 4.1027% | 1,144 |
| Loan and lease loss provision to assets | 0.1105% | 6,265 |
| Net operating income to assets | 0.6265% | 3,508 |
| Return on assets (ROA) | 0.6421% | 3,507 |
| Pretax return on assets | 0.8539% | 3,367 |
| Return on Equity (ROE) | 4.7167% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.6029% | 3,269 |
| Net charge-offs to loans | 0.0390% | 6,362 |
| Credit loss provision to net charge-offs | 418.6047% | 951 |
| Earnings coverage of net charge-offs (x) | 35.7453% | 813 |
| Efficiency ratio | 81.3017% | 2,681 |
| Assets per employee ($millions) | 2.0548% | 7,755 |
| Cash dividends to net income (ytd only)* | 23.6141% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,375 |
| Loan loss allowance to noncurrent loans | 31.1151% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 2.6248% | 2,650 |
| Noncurrent loans to loans | 3.7190% | 2,003 |
| Net loans and leases to total assets | 67.7543% | 4,008 |
| Net loans and leases to deposits | 81.0596% | 4,186 |
| Net loans and leases to core deposits | 93.2052% | 5,107 |
| Total domestic deposits to total assets | 83.5858% | 3,913 |
| Equity capital to assets | 13.4187% | 1,529 |
| Core capital (leverage) ratio | 13.1202% | 1,345 |
| Tier 1 risk-based capital ratio | 21.3248% | 1,321 |
| Total risk-based capital ratio | 22.5821% | 1,293 |
| Memoranda: | ||
| Average total assets | $217,182,250 | 2,996 |
| Average earning assets | $197,229,500 | 3,023 |
| Average equity | $29,568,000 | 2,280 |
| Average total loans | $147,038,250 | 2,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1305% | 1,689 |
| Cost of funding earning assets | 1.3913% | 6,511 |
| Net interest margin | 4.7392% | 747 |
| Noninterest income to average assets | 0.8655% | 2,118 |
| Noninterest expense to average assets | 4.1907% | 1,085 |
| Loan and lease loss provision to assets | 0.1091% | 6,063 |
| Net operating income to assets | 0.6336% | 3,539 |
| Return on assets (ROA) | 0.6565% | 3,553 |
| Pretax return on assets | 0.8997% | 3,339 |
| Return on Equity (ROE) | 4.7990% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.6905% | 3,241 |
| Net charge-offs to loans | 0.0507% | 5,774 |
| Credit loss provision to net charge-offs | 318.9189% | 1,461 |
| Earnings coverage of net charge-offs (x) | 28.5676% | 1,032 |
| Efficiency ratio | 81.0879% | 2,869 |
| Assets per employee ($millions) | 1.8527% | 7,941 |
| Cash dividends to net income (ytd only)* | 23.0986% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,444 |
| Loan loss allowance to noncurrent loans | 34.3992% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 2.3160% | 2,810 |
| Noncurrent loans to loans | 3.2630% | 2,174 |
| Net loans and leases to total assets | 67.4867% | 4,252 |
| Net loans and leases to deposits | 80.0924% | 4,531 |
| Net loans and leases to core deposits | 92.1966% | 5,327 |
| Total domestic deposits to total assets | 84.2611% | 3,620 |
| Equity capital to assets | 13.2219% | 1,590 |
| Core capital (leverage) ratio | 12.8642% | 1,474 |
| Tier 1 risk-based capital ratio | 21.1713% | 1,368 |
| Total risk-based capital ratio | 22.4186% | 1,337 |
| Memoranda: | ||
| Average total assets | $216,288,000 | 3,028 |
| Average earning assets | $196,362,330 | 3,051 |
| Average equity | $29,589,670 | 2,298 |
| Average total loans | $145,813,670 | 3,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0900% | 1,978 |
| Cost of funding earning assets | 1.4177% | 6,672 |
| Net interest margin | 4.6723% | 812 |
| Noninterest income to average assets | 0.7899% | 2,386 |
| Noninterest expense to average assets | 4.2988% | 855 |
| Loan and lease loss provision to assets | 0.1083% | 5,584 |
| Net operating income to assets | 0.5129% | 4,362 |
| Return on assets (ROA) | 0.5528% | 4,391 |
| Pretax return on assets | 0.6779% | 4,504 |
| Return on Equity (ROE) | 3.9719% | 4,946 |
| Retained earnings to average equity (ytd only) | 2.8716% | 4,271 |
| Net charge-offs to loans | 0.0167% | 5,338 |
| Credit loss provision to net charge-offs | 966.6667% | 648 |
| Earnings coverage of net charge-offs (x) | 65.8333% | 608 |
| Efficiency ratio | 85.3541% | 2,148 |
| Assets per employee ($millions) | 1.8851% | 7,973 |
| Cash dividends to net income (ytd only)* | 27.7027% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,107 |
| Loan loss allowance to noncurrent loans | 41.0891% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 2,973 |
| Noncurrent loans to loans | 2.8036% | 2,335 |
| Net loans and leases to total assets | 66.2823% | 4,517 |
| Net loans and leases to deposits | 78.7325% | 4,807 |
| Net loans and leases to core deposits | 91.4385% | 5,410 |
| Total domestic deposits to total assets | 84.1867% | 3,610 |
| Equity capital to assets | 13.4582% | 1,547 |
| Core capital (leverage) ratio | 13.0570% | 1,464 |
| Tier 1 risk-based capital ratio | 21.4046% | 1,388 |
| Total risk-based capital ratio | 22.6616% | 1,353 |
| Memoranda: | ||
| Average total assets | $214,198,500 | 3,066 |
| Average earning assets | $194,678,500 | 3,088 |
| Average equity | $29,809,500 | 2,296 |
| Average total loans | $143,483,000 | 3,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6289% | 2,353 |
| Cost of funding earning assets | 1.9125% | 6,693 |
| Net interest margin | 4.7164% | 937 |
| Noninterest income to average assets | 0.6698% | 3,326 |
| Noninterest expense to average assets | 3.9690% | 1,461 |
| Loan and lease loss provision to assets | 0.1164% | 5,888 |
| Net operating income to assets | 0.6778% | 3,993 |
| Return on assets (ROA) | 0.7138% | 3,662 |
| Pretax return on assets | 0.8848% | 3,774 |
| Return on Equity (ROE) | 5.0226% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.5622% | 2,926 |
| Net charge-offs to loans | 0.1064% | 5,228 |
| Credit loss provision to net charge-offs | 169.3878% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.9252% | 2,093 |
| Efficiency ratio | 80.5751% | 2,523 |
| Assets per employee ($millions) | 1.8565% | 8,009 |
| Cash dividends to net income (ytd only)* | 29.0766% | 4,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,091 |
| Loan loss allowance to noncurrent loans | 54.9744% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 3,371 |
| Noncurrent loans to loans | 2.0474% | 2,701 |
| Net loans and leases to total assets | 66.1636% | 4,814 |
| Net loans and leases to deposits | 78.8792% | 5,216 |
| Net loans and leases to core deposits | 90.9563% | 5,724 |
| Total domestic deposits to total assets | 83.8797% | 3,381 |
| Equity capital to assets | 14.3783% | 1,331 |
| Core capital (leverage) ratio | 14.0824% | 1,242 |
| Tier 1 risk-based capital ratio | 22.7305% | 1,224 |
| Total risk-based capital ratio | 23.9516% | 1,199 |
| Memoranda: | ||
| Average total assets | $213,934,600 | 2,951 |
| Average earning assets | $193,049,800 | 2,994 |
| Average equity | $30,402,600 | 2,226 |
| Average total loans | $138,127,200 | 3,127 |