Home > PeoplesSouth Bank > Performance and Condition Ratios
PeoplesSouth Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3218% | 1,454 |
| Cost of funding earning assets | 1.5936% | 1,708 |
| Net interest margin | 3.7283% | 1,704 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.1453% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3037% | 1,430 |
| Return on assets (ROA) | 1.3037% | 1,398 |
| Pretax return on assets | 1.7196% | 1,024 |
| Return on Equity (ROE) | 35.4800% | 123 |
| Retained earnings to average equity (ytd only) | 16.6403% | 234 |
| Net charge-offs to loans | -0.0153% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.5078% | 3,545 |
| Assets per employee ($millions) | 5.5629% | 3,194 |
| Cash dividends to net income (ytd only)* | 53.1049% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 990 |
| Loan loss allowance to noncurrent loans | 255.2995% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 1,108 |
| Noncurrent loans to loans | 0.5960% | 1,322 |
| Net loans and leases to total assets | 64.1400% | 2,446 |
| Net loans and leases to deposits | 67.1555% | 3,094 |
| Net loans and leases to core deposits | 79.4440% | 2,739 |
| Total domestic deposits to total assets | 95.5000% | 46 |
| Equity capital to assets | 4.0148% | 4,498 |
| Core capital (leverage) ratio | 9.5604% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0965% | 1,249 |
| Memoranda: | ||
| Average total assets | $1,083,278,600 | 919 |
| Average earning assets | $1,015,887,400 | 897 |
| Average equity | $39,801,000 | 1,894 |
| Average total loans | $701,491,600 | 957 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 1,431 |
| Cost of funding earning assets | 1.3776% | 1,925 |
| Net interest margin | 3.8364% | 1,522 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.1577% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3601% | 1,399 |
| Return on assets (ROA) | 1.3601% | 1,381 |
| Pretax return on assets | 1.7870% | 1,029 |
| Return on Equity (ROE) | 37.9300% | 130 |
| Retained earnings to average equity (ytd only) | 11.9804% | 971 |
| Net charge-offs to loans | -0.0054% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.6993% | 3,524 |
| Assets per employee ($millions) | 5.3758% | 3,281 |
| Cash dividends to net income (ytd only)* | 68.4182% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 937 |
| Loan loss allowance to noncurrent loans | 280.9106% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 963 |
| Noncurrent loans to loans | 0.5596% | 1,430 |
| Net loans and leases to total assets | 66.5200% | 2,198 |
| Net loans and leases to deposits | 68.8413% | 2,920 |
| Net loans and leases to core deposits | 78.8922% | 2,685 |
| Total domestic deposits to total assets | 96.6300% | 58 |
| Equity capital to assets | 2.9100% | 4,498 |
| Core capital (leverage) ratio | 9.4137% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8467% | 1,361 |
| Memoranda: | ||
| Average total assets | $1,074,562,750 | 927 |
| Average earning assets | $1,007,295,750 | 902 |
| Average equity | $38,528,500 | 1,918 |
| Average total loans | $694,810,250 | 965 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 1,488 |
| Cost of funding earning assets | 1.1373% | 2,174 |
| Net interest margin | 3.9039% | 1,420 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.1000% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4558% | 1,199 |
| Return on assets (ROA) | 1.4558% | 1,185 |
| Pretax return on assets | 1.9093% | 850 |
| Return on Equity (ROE) | 38.1700% | 119 |
| Retained earnings to average equity (ytd only) | 38.1703% | 54 |
| Net charge-offs to loans | -0.0050% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.3783% | 3,751 |
| Assets per employee ($millions) | 5.3225% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 865 |
| Loan loss allowance to noncurrent loans | 221.4409% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 919 |
| Noncurrent loans to loans | 0.7382% | 1,021 |
| Net loans and leases to total assets | 63.5600% | 2,425 |
| Net loans and leases to deposits | 66.5177% | 3,033 |
| Net loans and leases to core deposits | 75.1877% | 2,816 |
| Total domestic deposits to total assets | 95.5600% | 71 |
| Equity capital to assets | 4.0101% | 4,503 |
| Core capital (leverage) ratio | 9.9596% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3314% | 1,254 |
| Memoranda: | ||
| Average total assets | $1,070,777,667 | 921 |
| Average earning assets | $1,005,000,333 | 899 |
| Average equity | $40,838,000 | 1,848 |
| Average total loans | $681,777,333 | 973 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 1,472 |
| Cost of funding earning assets | 0.8750% | 2,454 |
| Net interest margin | 3.9913% | 1,277 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.0814% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5293% | 1,119 |
| Return on assets (ROA) | 1.5293% | 1,099 |
| Pretax return on assets | 2.0151% | 757 |
| Return on Equity (ROE) | 41.1900% | 108 |
| Retained earnings to average equity (ytd only) | 41.1889% | 56 |
| Net charge-offs to loans | -0.0048% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.8102% | 3,869 |
| Assets per employee ($millions) | 5.3367% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 807 |
| Loan loss allowance to noncurrent loans | 328.4655% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 1,535 |
| Noncurrent loans to loans | 0.5186% | 1,427 |
| Net loans and leases to total assets | 62.5700% | 2,406 |
| Net loans and leases to deposits | 65.5225% | 2,971 |
| Net loans and leases to core deposits | 72.9543% | 2,749 |
| Total domestic deposits to total assets | 95.5000% | 72 |
| Equity capital to assets | 4.0510% | 4,538 |
| Core capital (leverage) ratio | 9.7626% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,060,611,500 | 941 |
| Average earning assets | $995,165,000 | 920 |
| Average equity | $39,379,500 | 1,923 |
| Average total loans | $670,139,500 | 1,002 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 1,280 |
| Cost of funding earning assets | 0.3778% | 2,276 |
| Net interest margin | 3.8062% | 1,149 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.0541% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4457% | 1,017 |
| Return on assets (ROA) | 1.4457% | 976 |
| Pretax return on assets | 1.9113% | 568 |
| Return on Equity (ROE) | 30.8700% | 104 |
| Retained earnings to average equity (ytd only) | 18.4667% | 123 |
| Net charge-offs to loans | -0.3664% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.8009% | 3,996 |
| Assets per employee ($millions) | 5.5359% | 3,176 |
| Cash dividends to net income (ytd only)* | 40.1831% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 762 |
| Loan loss allowance to noncurrent loans | 1,770.4615% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,189 |
| Noncurrent loans to loans | 0.0979% | 3,062 |
| Net loans and leases to total assets | 61.7300% | 2,473 |
| Net loans and leases to deposits | 63.9613% | 3,045 |
| Net loans and leases to core deposits | 69.8977% | 2,881 |
| Total domestic deposits to total assets | 96.5100% | 64 |
| Equity capital to assets | 3.2036% | 4,594 |
| Core capital (leverage) ratio | 9.2785% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1938% | 1,315 |
| Memoranda: | ||
| Average total assets | $1,050,217,800 | 942 |
| Average earning assets | $992,902,600 | 914 |
| Average equity | $49,180,400 | 1,642 |
| Average total loans | $649,371,400 | 969 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 1,207 |
| Cost of funding earning assets | 0.2740% | 2,447 |
| Net interest margin | 3.7552% | 1,024 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.0296% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4483% | 959 |
| Return on assets (ROA) | 1.4483% | 935 |
| Pretax return on assets | 1.9002% | 584 |
| Return on Equity (ROE) | 28.6500% | 118 |
| Retained earnings to average equity (ytd only) | 13.2960% | 565 |
| Net charge-offs to loans | -0.4892% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.6471% | 4,037 |
| Assets per employee ($millions) | 5.4243% | 3,298 |
| Cash dividends to net income (ytd only)* | 53.5868% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 880 |
| Loan loss allowance to noncurrent loans | 657.0857% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 2,467 |
| Noncurrent loans to loans | 0.2584% | 2,342 |
| Net loans and leases to total assets | 61.6700% | 2,330 |
| Net loans and leases to deposits | 63.9735% | 2,867 |
| Net loans and leases to core deposits | 69.5170% | 2,675 |
| Total domestic deposits to total assets | 96.4000% | 103 |
| Equity capital to assets | 3.3515% | 4,561 |
| Core capital (leverage) ratio | 8.9749% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5547% | 1,548 |
| Memoranda: | ||
| Average total assets | $1,048,434,000 | 944 |
| Average earning assets | $990,851,250 | 920 |
| Average equity | $53,007,250 | 1,563 |
| Average total loans | $645,656,250 | 970 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 1,125 |
| Cost of funding earning assets | 0.2167% | 2,683 |
| Net interest margin | 3.6756% | 952 |
| Noninterest income to average assets | 0.3653% | 2,957 |
| Noninterest expense to average assets | 2.0408% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3796% | 957 |
| Return on assets (ROA) | 1.3796% | 936 |
| Pretax return on assets | 1.8106% | 580 |
| Return on Equity (ROE) | 24.4330% | 129 |
| Retained earnings to average equity (ytd only) | 3.6201% | 3,226 |
| Net charge-offs to loans | 0.0139% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 213.5909% | 521 |
| Efficiency ratio | 52.9888% | 4,048 |
| Assets per employee ($millions) | 5.3950% | 3,337 |
| Cash dividends to net income (ytd only)* | 85.1836% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,867 |
| Loan loss allowance to noncurrent loans | 846.7847% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 2,945 |
| Noncurrent loans to loans | 0.1623% | 2,884 |
| Net loans and leases to total assets | 62.3142% | 2,089 |
| Net loans and leases to deposits | 65.7456% | 2,570 |
| Net loans and leases to core deposits | 68.8130% | 2,580 |
| Total domestic deposits to total assets | 94.7809% | 166 |
| Equity capital to assets | 3.5423% | 4,662 |
| Core capital (leverage) ratio | 8.7485% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1932% | 1,658 |
| Memoranda: | ||
| Average total assets | $1,038,101,667 | 942 |
| Average earning assets | $984,603,333 | 923 |
| Average equity | $58,617,333 | 1,460 |
| Average total loans | $635,152,000 | 976 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 1,234 |
| Cost of funding earning assets | 0.2089% | 2,683 |
| Net interest margin | 3.5153% | 1,064 |
| Noninterest income to average assets | 0.3490% | 3,002 |
| Noninterest expense to average assets | 2.0351% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2799% | 1,046 |
| Return on assets (ROA) | 1.2799% | 1,040 |
| Pretax return on assets | 1.6606% | 743 |
| Return on Equity (ROE) | 19.0694% | 274 |
| Retained earnings to average equity (ytd only) | -16.0891% | 4,657 |
| Net charge-offs to loans | -0.0058% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0670% | 3,967 |
| Assets per employee ($millions) | 5.4509% | 3,351 |
| Cash dividends to net income (ytd only)* | 184.3712% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 1,700 |
| Loan loss allowance to noncurrent loans | 309.8678% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 1,834 |
| Noncurrent loans to loans | 0.4689% | 1,847 |
| Net loans and leases to total assets | 59.8426% | 2,088 |
| Net loans and leases to deposits | 63.4900% | 2,575 |
| Net loans and leases to core deposits | 66.1750% | 2,620 |
| Total domestic deposits to total assets | 94.2551% | 92 |
| Equity capital to assets | 5.4230% | 4,674 |
| Core capital (leverage) ratio | 8.3927% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1741% | 2,540 |
| Memoranda: | ||
| Average total assets | $1,033,838,000 | 951 |
| Average earning assets | $984,275,500 | 930 |
| Average equity | $69,388,500 | 1,342 |
| Average total loans | $622,085,500 | 989 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 1,565 |
| Cost of funding earning assets | 0.2754% | 2,646 |
| Net interest margin | 3.6420% | 1,359 |
| Noninterest income to average assets | 0.3463% | 3,351 |
| Noninterest expense to average assets | 2.1258% | 3,320 |
| Loan and lease loss provision to assets | 0.0759% | 1,599 |
| Net operating income to assets | 1.2345% | 1,793 |
| Return on assets (ROA) | 1.2459% | 1,815 |
| Pretax return on assets | 1.6387% | 1,316 |
| Return on Equity (ROE) | 14.6976% | 1,024 |
| Retained earnings to average equity (ytd only) | 8.1298% | 1,487 |
| Net charge-offs to loans | 0.0008% | 2,662 |
| Credit loss provision to net charge-offs | 15,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 3,359.2000% | 37 |
| Efficiency ratio | 54.7954% | 3,845 |
| Assets per employee ($millions) | 5.4316% | 3,325 |
| Cash dividends to net income (ytd only)* | 44.6864% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,617 |
| Loan loss allowance to noncurrent loans | 331.1571% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,022 |
| Noncurrent loans to loans | 0.4481% | 2,013 |
| Net loans and leases to total assets | 58.7333% | 2,306 |
| Net loans and leases to deposits | 64.0276% | 2,681 |
| Net loans and leases to core deposits | 66.7545% | 2,757 |
| Total domestic deposits to total assets | 91.7312% | 258 |
| Equity capital to assets | 8.0050% | 4,360 |
| Core capital (leverage) ratio | 8.7241% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7321% | 1,606 |
| Memoranda: | ||
| Average total assets | $987,890,600 | 968 |
| Average earning assets | $943,884,000 | 950 |
| Average equity | $83,741,800 | 1,161 |
| Average total loans | $614,660,400 | 988 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 1,605 |
| Cost of funding earning assets | 0.2863% | 2,736 |
| Net interest margin | 3.6866% | 1,367 |
| Noninterest income to average assets | 0.3510% | 3,353 |
| Noninterest expense to average assets | 2.1662% | 3,182 |
| Loan and lease loss provision to assets | -0.0341% | 4,407 |
| Net operating income to assets | 1.3050% | 1,813 |
| Return on assets (ROA) | 1.3204% | 1,812 |
| Pretax return on assets | 1.7604% | 1,256 |
| Return on Equity (ROE) | 15.3507% | 1,074 |
| Retained earnings to average equity (ytd only) | 6.6233% | 2,571 |
| Net charge-offs to loans | 0.0091% | 1,984 |
| Credit loss provision to net charge-offs | -595.2381% | 3,705 |
| Earnings coverage of net charge-offs (x) | 297.7381% | 442 |
| Efficiency ratio | 54.9091% | 3,673 |
| Assets per employee ($millions) | 5.2968% | 3,407 |
| Cash dividends to net income (ytd only)* | 56.8534% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,425 |
| Loan loss allowance to noncurrent loans | 233.7569% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 1,816 |
| Noncurrent loans to loans | 0.5616% | 1,913 |
| Net loans and leases to total assets | 60.1531% | 2,239 |
| Net loans and leases to deposits | 65.8967% | 2,634 |
| Net loans and leases to core deposits | 68.7571% | 2,711 |
| Total domestic deposits to total assets | 91.2840% | 289 |
| Equity capital to assets | 8.4696% | 4,234 |
| Core capital (leverage) ratio | 9.3932% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4689% | 1,808 |
| Memoranda: | ||
| Average total assets | $976,862,750 | 988 |
| Average earning assets | $933,220,500 | 974 |
| Average equity | $84,024,250 | 1,176 |
| Average total loans | $614,510,750 | 1,002 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 2,000 |
| Cost of funding earning assets | 0.3056% | 2,732 |
| Net interest margin | 3.5222% | 1,794 |
| Noninterest income to average assets | 0.3858% | 3,186 |
| Noninterest expense to average assets | 2.2129% | 3,046 |
| Loan and lease loss provision to assets | -0.0518% | 4,525 |
| Net operating income to assets | 1.1719% | 2,292 |
| Return on assets (ROA) | 1.1953% | 2,276 |
| Pretax return on assets | 1.6139% | 1,697 |
| Return on Equity (ROE) | 13.8229% | 1,471 |
| Retained earnings to average equity (ytd only) | 13.8229% | 575 |
| Net charge-offs to loans | 0.0166% | 1,619 |
| Credit loss provision to net charge-offs | -490.1961% | 3,455 |
| Earnings coverage of net charge-offs (x) | 145.0196% | 601 |
| Efficiency ratio | 57.4795% | 3,346 |
| Assets per employee ($millions) | 5.0055% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,489 |
| Loan loss allowance to noncurrent loans | 243.8179% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,828 |
| Noncurrent loans to loans | 0.5289% | 2,083 |
| Net loans and leases to total assets | 62.4444% | 2,124 |
| Net loans and leases to deposits | 68.5641% | 2,562 |
| Net loans and leases to core deposits | 71.3539% | 2,659 |
| Total domestic deposits to total assets | 91.0745% | 352 |
| Equity capital to assets | 8.6309% | 4,106 |
| Core capital (leverage) ratio | 9.0998% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0330% | 1,617 |
| Memoranda: | ||
| Average total assets | $965,254,667 | 992 |
| Average earning assets | $920,673,667 | 974 |
| Average equity | $83,470,333 | 1,179 |
| Average total loans | $613,795,667 | 1,002 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 3,073 |
| Cost of funding earning assets | 0.4084% | 2,024 |
| Net interest margin | 3.0375% | 3,164 |
| Noninterest income to average assets | 0.4314% | 2,925 |
| Noninterest expense to average assets | 2.1614% | 3,229 |
| Loan and lease loss provision to assets | -0.1050% | 4,725 |
| Net operating income to assets | 0.9560% | 2,951 |
| Return on assets (ROA) | 1.0034% | 2,887 |
| Pretax return on assets | 1.3310% | 2,485 |
| Return on Equity (ROE) | 11.5921% | 2,161 |
| Retained earnings to average equity (ytd only) | 11.5921% | 1,254 |
| Net charge-offs to loans | 0.0336% | 1,142 |
| Credit loss provision to net charge-offs | -490.1961% | 3,162 |
| Earnings coverage of net charge-offs (x) | 54.4314% | 863 |
| Efficiency ratio | 64.1378% | 2,448 |
| Assets per employee ($millions) | 5.0510% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,373 |
| Loan loss allowance to noncurrent loans | 229.9119% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 1,849 |
| Noncurrent loans to loans | 0.5717% | 2,142 |
| Net loans and leases to total assets | 62.9258% | 2,176 |
| Net loans and leases to deposits | 68.8856% | 2,614 |
| Net loans and leases to core deposits | 71.5298% | 2,743 |
| Total domestic deposits to total assets | 91.3483% | 281 |
| Equity capital to assets | 8.3318% | 4,251 |
| Core capital (leverage) ratio | 9.0044% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $952,338,000 | 990 |
| Average earning assets | $907,974,000 | 971 |
| Average equity | $82,435,500 | 1,182 |
| Average total loans | $607,200,500 | 1,011 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 1,598 |
| Cost of funding earning assets | 0.4612% | 3,211 |
| Net interest margin | 3.9363% | 1,123 |
| Noninterest income to average assets | 0.3005% | 3,677 |
| Noninterest expense to average assets | 2.3362% | 3,304 |
| Loan and lease loss provision to assets | 0.0737% | 3,460 |
| Net operating income to assets | 1.2276% | 1,455 |
| Return on assets (ROA) | 1.2897% | 1,376 |
| Pretax return on assets | 1.7065% | 844 |
| Return on Equity (ROE) | 14.1515% | 775 |
| Retained earnings to average equity (ytd only) | 6.6830% | 1,516 |
| Net charge-offs to loans | -0.0295% | 4,527 |
| Credit loss provision to net charge-offs | -377.9070% | 3,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1304% | 3,840 |
| Assets per employee ($millions) | 4.8955% | 3,509 |
| Cash dividends to net income (ytd only)* | 52.7751% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,973 |
| Loan loss allowance to noncurrent loans | 260.6776% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,033 |
| Noncurrent loans to loans | 0.5368% | 2,367 |
| Net loans and leases to total assets | 62.8616% | 2,500 |
| Net loans and leases to deposits | 71.3776% | 2,748 |
| Net loans and leases to core deposits | 74.0881% | 2,909 |
| Total domestic deposits to total assets | 88.0691% | 1,440 |
| Equity capital to assets | 8.9890% | 4,066 |
| Core capital (leverage) ratio | 8.8238% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7610% | 1,949 |
| Memoranda: | ||
| Average total assets | $881,530,200 | 982 |
| Average earning assets | $836,953,200 | 967 |
| Average equity | $80,338,000 | 1,156 |
| Average total loans | $584,024,200 | 1,002 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 1,785 |
| Cost of funding earning assets | 0.4856% | 3,320 |
| Net interest margin | 3.9404% | 1,257 |
| Noninterest income to average assets | 0.3041% | 3,669 |
| Noninterest expense to average assets | 2.3900% | 3,168 |
| Loan and lease loss provision to assets | 0.0384% | 3,871 |
| Net operating income to assets | 1.2146% | 1,598 |
| Return on assets (ROA) | 1.2982% | 1,455 |
| Pretax return on assets | 1.7193% | 931 |
| Return on Equity (ROE) | 14.1922% | 844 |
| Retained earnings to average equity (ytd only) | 4.1041% | 2,991 |
| Net charge-offs to loans | -0.0423% | 4,626 |
| Credit loss provision to net charge-offs | -135.8696% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3920% | 3,613 |
| Assets per employee ($millions) | 4.9038% | 3,373 |
| Cash dividends to net income (ytd only)* | 71.0816% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,217 |
| Loan loss allowance to noncurrent loans | 184.1160% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 1,739 |
| Noncurrent loans to loans | 0.6982% | 2,048 |
| Net loans and leases to total assets | 65.9141% | 2,531 |
| Net loans and leases to deposits | 74.8110% | 2,881 |
| Net loans and leases to core deposits | 77.3342% | 3,067 |
| Total domestic deposits to total assets | 88.1075% | 1,171 |
| Equity capital to assets | 8.8794% | 4,197 |
| Core capital (leverage) ratio | 8.6505% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0492% | 1,812 |
| Memoranda: | ||
| Average total assets | $866,930,250 | 986 |
| Average earning assets | $822,366,000 | 966 |
| Average equity | $79,300,000 | 1,160 |
| Average total loans | $580,220,000 | 1,002 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 2,129 |
| Cost of funding earning assets | 0.5175% | 3,428 |
| Net interest margin | 3.9110% | 1,542 |
| Noninterest income to average assets | 0.3099% | 3,608 |
| Noninterest expense to average assets | 2.4452% | 3,121 |
| Loan and lease loss provision to assets | 0.0591% | 3,562 |
| Net operating income to assets | 1.1384% | 1,843 |
| Return on assets (ROA) | 1.2679% | 1,566 |
| Pretax return on assets | 1.6744% | 1,045 |
| Return on Equity (ROE) | 13.7136% | 938 |
| Retained earnings to average equity (ytd only) | -1.6403% | 4,551 |
| Net charge-offs to loans | 0.0286% | 2,146 |
| Credit loss provision to net charge-offs | 308.6420% | 1,597 |
| Earnings coverage of net charge-offs (x) | 81.9012% | 792 |
| Efficiency ratio | 60.1450% | 3,394 |
| Assets per employee ($millions) | 4.9062% | 3,291 |
| Cash dividends to net income (ytd only)* | 111.9612% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,200 |
| Loan loss allowance to noncurrent loans | 154.8458% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 1,623 |
| Noncurrent loans to loans | 0.8142% | 1,866 |
| Net loans and leases to total assets | 65.6632% | 2,676 |
| Net loans and leases to deposits | 74.5554% | 3,022 |
| Net loans and leases to core deposits | 76.9041% | 3,207 |
| Total domestic deposits to total assets | 88.0730% | 1,136 |
| Equity capital to assets | 8.6710% | 4,373 |
| Core capital (leverage) ratio | 8.7732% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3580% | 2,048 |
| Memoranda: | ||
| Average total assets | $845,330,000 | 988 |
| Average earning assets | $800,763,000 | 970 |
| Average equity | $78,156,000 | 1,164 |
| Average total loans | $566,246,667 | 1,008 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,989 |
| Cost of funding earning assets | 0.5732% | 3,574 |
| Net interest margin | 4.0302% | 1,312 |
| Noninterest income to average assets | 0.3694% | 3,305 |
| Noninterest expense to average assets | 2.4943% | 3,284 |
| Loan and lease loss provision to assets | 0.1239% | 2,147 |
| Net operating income to assets | 1.1621% | 1,651 |
| Return on assets (ROA) | 1.4234% | 1,009 |
| Pretax return on assets | 1.8919% | 577 |
| Return on Equity (ROE) | 14.8670% | 562 |
| Retained earnings to average equity (ytd only) | -16.2030% | 4,915 |
| Net charge-offs to loans | 0.0848% | 1,194 |
| Credit loss provision to net charge-offs | 217.3913% | 1,371 |
| Earnings coverage of net charge-offs (x) | 29.5565% | 1,192 |
| Efficiency ratio | 58.9087% | 3,886 |
| Assets per employee ($millions) | 4.1910% | 3,671 |
| Cash dividends to net income (ytd only)* | 208.9864% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,671 |
| Loan loss allowance to noncurrent loans | 163.5302% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 1,433 |
| Noncurrent loans to loans | 0.8604% | 1,896 |
| Net loans and leases to total assets | 67.0457% | 2,695 |
| Net loans and leases to deposits | 74.4638% | 3,222 |
| Net loans and leases to core deposits | 77.1934% | 3,414 |
| Total domestic deposits to total assets | 90.0381% | 308 |
| Equity capital to assets | 9.5045% | 4,215 |
| Core capital (leverage) ratio | 9.3310% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $806,815,000 | 994 |
| Average earning assets | $762,741,500 | 981 |
| Average equity | $77,245,000 | 1,173 |
| Average total loans | $542,678,000 | 1,023 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 2,085 |
| Cost of funding earning assets | 0.6728% | 3,298 |
| Net interest margin | 4.1128% | 1,506 |
| Noninterest income to average assets | 0.3624% | 3,535 |
| Noninterest expense to average assets | 2.3999% | 3,693 |
| Loan and lease loss provision to assets | 0.0122% | 3,772 |
| Net operating income to assets | 1.3901% | 1,371 |
| Return on assets (ROA) | 1.4704% | 1,189 |
| Pretax return on assets | 1.9524% | 663 |
| Return on Equity (ROE) | 16.4431% | 485 |
| Retained earnings to average equity (ytd only) | 10.3157% | 437 |
| Net charge-offs to loans | 0.0120% | 3,256 |
| Credit loss provision to net charge-offs | 158.7302% | 1,622 |
| Earnings coverage of net charge-offs (x) | 242.8413% | 342 |
| Efficiency ratio | 55.5587% | 4,259 |
| Assets per employee ($millions) | 4.4449% | 3,310 |
| Cash dividends to net income (ytd only)* | 37.2640% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,522 |
| Loan loss allowance to noncurrent loans | 198.4713% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 1,600 |
| Noncurrent loans to loans | 0.7050% | 2,111 |
| Net loans and leases to total assets | 65.5899% | 3,005 |
| Net loans and leases to deposits | 72.8245% | 3,450 |
| Net loans and leases to core deposits | 75.6483% | 3,600 |
| Total domestic deposits to total assets | 90.0657% | 305 |
| Equity capital to assets | 9.6433% | 4,224 |
| Core capital (leverage) ratio | 9.5223% | 4,036 |
| Tier 1 risk-based capital ratio | 13.7336% | 3,394 |
| Total risk-based capital ratio | 14.9847% | 3,299 |
| Memoranda: | ||
| Average total assets | $821,254,600 | 954 |
| Average earning assets | $778,845,000 | 931 |
| Average equity | $73,441,200 | 1,175 |
| Average total loans | $523,094,600 | 1,033 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 2,135 |
| Cost of funding earning assets | 0.6846% | 3,283 |
| Net interest margin | 4.1090% | 1,592 |
| Noninterest income to average assets | 0.3685% | 3,506 |
| Noninterest expense to average assets | 2.4080% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4078% | 1,444 |
| Return on assets (ROA) | 1.5130% | 1,214 |
| Pretax return on assets | 1.9912% | 700 |
| Return on Equity (ROE) | 17.2502% | 455 |
| Retained earnings to average equity (ytd only) | 13.1009% | 270 |
| Net charge-offs to loans | -0.0136% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7097% | 4,189 |
| Assets per employee ($millions) | 4.5337% | 3,141 |
| Cash dividends to net income (ytd only)* | 24.0539% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,506 |
| Loan loss allowance to noncurrent loans | 186.8284% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 1,701 |
| Noncurrent loans to loans | 0.7587% | 2,066 |
| Net loans and leases to total assets | 64.3115% | 3,256 |
| Net loans and leases to deposits | 71.3434% | 3,655 |
| Net loans and leases to core deposits | 74.3231% | 3,810 |
| Total domestic deposits to total assets | 90.1436% | 250 |
| Equity capital to assets | 9.4923% | 4,462 |
| Core capital (leverage) ratio | 9.3533% | 4,323 |
| Tier 1 risk-based capital ratio | 14.0161% | 3,321 |
| Total risk-based capital ratio | 15.2677% | 3,229 |
| Memoranda: | ||
| Average total assets | $824,326,750 | 953 |
| Average earning assets | $781,929,250 | 927 |
| Average equity | $72,298,750 | 1,187 |
| Average total loans | $519,335,750 | 1,042 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 2,155 |
| Cost of funding earning assets | 0.6869% | 3,237 |
| Net interest margin | 4.0845% | 1,653 |
| Noninterest income to average assets | 0.3804% | 3,399 |
| Noninterest expense to average assets | 2.3836% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3752% | 1,498 |
| Return on assets (ROA) | 1.4905% | 1,220 |
| Pretax return on assets | 2.0165% | 657 |
| Return on Equity (ROE) | 17.4674% | 413 |
| Retained earnings to average equity (ytd only) | 17.4674% | 94 |
| Net charge-offs to loans | 0.0412% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 72.9717% | 871 |
| Efficiency ratio | 55.2979% | 4,337 |
| Assets per employee ($millions) | 4.5268% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,631 |
| Loan loss allowance to noncurrent loans | 183.9851% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 1,616 |
| Noncurrent loans to loans | 0.7586% | 2,083 |
| Net loans and leases to total assets | 63.3469% | 3,414 |
| Net loans and leases to deposits | 70.0889% | 3,833 |
| Net loans and leases to core deposits | 72.9114% | 3,951 |
| Total domestic deposits to total assets | 90.3808% | 216 |
| Equity capital to assets | 9.2604% | 4,605 |
| Core capital (leverage) ratio | 9.1849% | 4,478 |
| Tier 1 risk-based capital ratio | 13.8413% | 3,398 |
| Total risk-based capital ratio | 15.0926% | 3,303 |
| Memoranda: | ||
| Average total assets | $827,082,670 | 942 |
| Average earning assets | $784,383,000 | 918 |
| Average equity | $70,577,330 | 1,204 |
| Average total loans | $514,992,330 | 1,046 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,252 |
| Cost of funding earning assets | 0.6814% | 3,145 |
| Net interest margin | 4.0120% | 1,818 |
| Noninterest income to average assets | 0.4011% | 3,173 |
| Noninterest expense to average assets | 2.4555% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3333% | 1,585 |
| Return on assets (ROA) | 1.3337% | 1,621 |
| Pretax return on assets | 1.7488% | 1,098 |
| Return on Equity (ROE) | 16.3204% | 556 |
| Retained earnings to average equity (ytd only) | 16.3204% | 211 |
| Net charge-offs to loans | 0.0347% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 82.3182% | 757 |
| Efficiency ratio | 57.6645% | 4,124 |
| Assets per employee ($millions) | 4.5924% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,418 |
| Loan loss allowance to noncurrent loans | 194.5925% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 1,681 |
| Noncurrent loans to loans | 0.7574% | 2,133 |
| Net loans and leases to total assets | 59.5823% | 3,746 |
| Net loans and leases to deposits | 65.3596% | 4,102 |
| Net loans and leases to core deposits | 67.9206% | 4,182 |
| Total domestic deposits to total assets | 91.1607% | 141 |
| Equity capital to assets | 8.4182% | 5,032 |
| Core capital (leverage) ratio | 8.7996% | 4,795 |
| Tier 1 risk-based capital ratio | 13.5880% | 3,562 |
| Total risk-based capital ratio | 14.8398% | 3,473 |
| Memoranda: | ||
| Average total assets | $828,686,000 | 950 |
| Average earning assets | $785,434,500 | 920 |
| Average equity | $67,719,000 | 1,234 |
| Average total loans | $507,845,000 | 1,060 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 1,810 |
| Cost of funding earning assets | 0.6663% | 2,293 |
| Net interest margin | 4.0369% | 1,860 |
| Noninterest income to average assets | 0.4687% | 3,002 |
| Noninterest expense to average assets | 2.6397% | 3,211 |
| Loan and lease loss provision to assets | 0.1319% | 1,663 |
| Net operating income to assets | 1.1919% | 2,215 |
| Return on assets (ROA) | 1.1918% | 2,209 |
| Pretax return on assets | 1.4929% | 1,802 |
| Return on Equity (ROE) | 13.3590% | 1,217 |
| Retained earnings to average equity (ytd only) | -2.6097% | 5,159 |
| Net charge-offs to loans | 0.0821% | 1,963 |
| Credit loss provision to net charge-offs | 236.9668% | 1,247 |
| Earnings coverage of net charge-offs (x) | 29.1919% | 1,629 |
| Efficiency ratio | 61.0962% | 3,678 |
| Assets per employee ($millions) | 4.3700% | 3,346 |
| Cash dividends to net income (ytd only)* | 119.5351% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 1,387 |
| Loan loss allowance to noncurrent loans | 185.2410% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 1,486 |
| Noncurrent loans to loans | 0.7928% | 2,024 |
| Net loans and leases to total assets | 61.1948% | 3,650 |
| Net loans and leases to deposits | 66.6987% | 4,064 |
| Net loans and leases to core deposits | 69.7692% | 4,127 |
| Total domestic deposits to total assets | 91.7481% | 91 |
| Equity capital to assets | 7.9213% | 5,190 |
| Core capital (leverage) ratio | 8.8426% | 4,778 |
| Tier 1 risk-based capital ratio | 13.1044% | 3,786 |
| Total risk-based capital ratio | 14.3564% | 3,678 |
| Memoranda: | ||
| Average total assets | $758,114,400 | 995 |
| Average earning assets | $712,871,800 | 971 |
| Average equity | $67,632,200 | 1,195 |
| Average total loans | $514,244,800 | 1,019 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,731 |
| Cost of funding earning assets | 0.6426% | 2,191 |
| Net interest margin | 4.0391% | 1,828 |
| Noninterest income to average assets | 0.4597% | 3,105 |
| Noninterest expense to average assets | 2.6869% | 3,008 |
| Loan and lease loss provision to assets | 0.0719% | 2,522 |
| Net operating income to assets | 1.1654% | 2,388 |
| Return on assets (ROA) | 1.1653% | 2,394 |
| Pretax return on assets | 1.4924% | 1,923 |
| Return on Equity (ROE) | 12.6689% | 1,553 |
| Retained earnings to average equity (ytd only) | 7.2006% | 2,024 |
| Net charge-offs to loans | 0.0882% | 1,621 |
| Credit loss provision to net charge-offs | 117.3021% | 2,019 |
| Earnings coverage of net charge-offs (x) | 25.5393% | 1,774 |
| Efficiency ratio | 62.3822% | 3,446 |
| Assets per employee ($millions) | 3.9061% | 4,036 |
| Cash dividends to net income (ytd only)* | 43.1632% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,033 |
| Loan loss allowance to noncurrent loans | 129.5134% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2977% | 1,056 |
| Noncurrent loans to loans | 1.0152% | 1,689 |
| Net loans and leases to total assets | 69.4230% | 2,735 |
| Net loans and leases to deposits | 76.7434% | 3,350 |
| Net loans and leases to core deposits | 80.8757% | 3,420 |
| Total domestic deposits to total assets | 90.4613% | 356 |
| Equity capital to assets | 9.1588% | 4,416 |
| Core capital (leverage) ratio | 9.9781% | 3,660 |
| Tier 1 risk-based capital ratio | 13.8796% | 3,427 |
| Total risk-based capital ratio | 15.1301% | 3,333 |
| Memoranda: | ||
| Average total assets | $742,253,000 | 1,008 |
| Average earning assets | $696,777,500 | 990 |
| Average equity | $68,270,750 | 1,182 |
| Average total loans | $515,244,750 | 1,018 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,696 |
| Cost of funding earning assets | 0.5947% | 2,261 |
| Net interest margin | 4.0344% | 1,744 |
| Noninterest income to average assets | 0.5016% | 2,857 |
| Noninterest expense to average assets | 2.6534% | 3,154 |
| Loan and lease loss provision to assets | 0.0813% | 2,284 |
| Net operating income to assets | 1.1793% | 2,285 |
| Return on assets (ROA) | 1.1791% | 2,286 |
| Pretax return on assets | 1.5520% | 1,652 |
| Return on Equity (ROE) | 12.8006% | 1,444 |
| Retained earnings to average equity (ytd only) | 4.5668% | 3,309 |
| Net charge-offs to loans | 0.1160% | 1,232 |
| Credit loss provision to net charge-offs | 101.3514% | 1,998 |
| Earnings coverage of net charge-offs (x) | 20.3750% | 1,813 |
| Efficiency ratio | 61.0792% | 3,753 |
| Assets per employee ($millions) | 3.8939% | 4,067 |
| Cash dividends to net income (ytd only)* | 64.3235% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,039 |
| Loan loss allowance to noncurrent loans | 140.8018% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2363% | 1,156 |
| Noncurrent loans to loans | 0.9433% | 1,846 |
| Net loans and leases to total assets | 68.3935% | 2,811 |
| Net loans and leases to deposits | 75.5372% | 3,386 |
| Net loans and leases to core deposits | 79.2874% | 3,475 |
| Total domestic deposits to total assets | 90.5428% | 388 |
| Equity capital to assets | 9.0670% | 4,507 |
| Core capital (leverage) ratio | 9.8334% | 3,750 |
| Tier 1 risk-based capital ratio | 13.5324% | 3,597 |
| Total risk-based capital ratio | 14.7829% | 3,508 |
| Memoranda: | ||
| Average total assets | $738,379,000 | 1,012 |
| Average earning assets | $692,793,000 | 995 |
| Average equity | $68,012,330 | 1,185 |
| Average total loans | $510,214,330 | 1,026 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 1,671 |
| Cost of funding earning assets | 0.5446% | 2,449 |
| Net interest margin | 4.0227% | 1,647 |
| Noninterest income to average assets | 0.4050% | 3,424 |
| Noninterest expense to average assets | 2.6504% | 3,192 |
| Loan and lease loss provision to assets | 0.1093% | 1,710 |
| Net operating income to assets | 1.0877% | 2,482 |
| Return on assets (ROA) | 1.0877% | 2,498 |
| Pretax return on assets | 1.4206% | 1,931 |
| Return on Equity (ROE) | 11.7148% | 1,679 |
| Retained earnings to average equity (ytd only) | -4.7684% | 5,193 |
| Net charge-offs to loans | 0.0024% | 2,656 |
| Credit loss provision to net charge-offs | 6,666.6667% | 46 |
| Earnings coverage of net charge-offs (x) | 933.0000% | 64 |
| Efficiency ratio | 62.5523% | 3,696 |
| Assets per employee ($millions) | 3.8032% | 4,284 |
| Cash dividends to net income (ytd only)* | 140.7035% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,873 |
| Loan loss allowance to noncurrent loans | 144.3182% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 1,134 |
| Noncurrent loans to loans | 0.9643% | 1,890 |
| Net loans and leases to total assets | 67.9467% | 2,775 |
| Net loans and leases to deposits | 76.8574% | 3,127 |
| Net loans and leases to core deposits | 79.5527% | 3,358 |
| Total domestic deposits to total assets | 88.4061% | 1,404 |
| Equity capital to assets | 8.9773% | 4,583 |
| Core capital (leverage) ratio | 9.6483% | 3,908 |
| Tier 1 risk-based capital ratio | 13.6117% | 3,594 |
| Total risk-based capital ratio | 14.8632% | 3,506 |
| Memoranda: | ||
| Average total assets | $731,803,000 | 1,028 |
| Average earning assets | $686,801,000 | 1,012 |
| Average equity | $67,948,000 | 1,199 |
| Average total loans | $504,863,000 | 1,040 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 1,974 |
| Cost of funding earning assets | 0.4226% | 3,032 |
| Net interest margin | 3.9977% | 1,761 |
| Noninterest income to average assets | 0.4344% | 3,410 |
| Noninterest expense to average assets | 2.4875% | 3,826 |
| Loan and lease loss provision to assets | 0.1385% | 1,651 |
| Net operating income to assets | 0.7865% | 3,223 |
| Return on assets (ROA) | 0.7931% | 3,240 |
| Pretax return on assets | 1.5564% | 1,428 |
| Return on Equity (ROE) | 8.4601% | 2,575 |
| Retained earnings to average equity (ytd only) | 4.0284% | 2,772 |
| Net charge-offs to loans | 0.0821% | 2,283 |
| Credit loss provision to net charge-offs | 250.6266% | 1,097 |
| Earnings coverage of net charge-offs (x) | 30.4887% | 1,529 |
| Efficiency ratio | 58.6464% | 4,454 |
| Assets per employee ($millions) | 3.7999% | 4,283 |
| Cash dividends to net income (ytd only)* | 52.3834% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 1,819 |
| Loan loss allowance to noncurrent loans | 118.4481% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 1,069 |
| Noncurrent loans to loans | 1.1706% | 1,516 |
| Net loans and leases to total assets | 68.1167% | 2,802 |
| Net loans and leases to deposits | 76.3405% | 3,297 |
| Net loans and leases to core deposits | 79.5404% | 3,452 |
| Total domestic deposits to total assets | 89.2274% | 899 |
| Equity capital to assets | 9.6011% | 4,140 |
| Core capital (leverage) ratio | 9.8290% | 3,662 |
| Tier 1 risk-based capital ratio | 14.2241% | 3,236 |
| Total risk-based capital ratio | 15.4757% | 3,130 |
| Memoranda: | ||
| Average total assets | $722,125,200 | 1,015 |
| Average earning assets | $675,158,600 | 1,002 |
| Average equity | $67,694,000 | 1,182 |
| Average total loans | $485,805,200 | 1,059 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 2,067 |
| Cost of funding earning assets | 0.4205% | 2,982 |
| Net interest margin | 3.9427% | 1,883 |
| Noninterest income to average assets | 0.4073% | 3,635 |
| Noninterest expense to average assets | 2.4845% | 3,789 |
| Loan and lease loss provision to assets | 0.0923% | 2,239 |
| Net operating income to assets | 0.9644% | 2,711 |
| Return on assets (ROA) | 0.9732% | 2,728 |
| Pretax return on assets | 1.5265% | 1,678 |
| Return on Equity (ROE) | 10.4444% | 1,932 |
| Retained earnings to average equity (ytd only) | 4.4999% | 3,224 |
| Net charge-offs to loans | 0.0130% | 3,274 |
| Credit loss provision to net charge-offs | 1,063.8298% | 339 |
| Earnings coverage of net charge-offs (x) | 184.9643% | 462 |
| Efficiency ratio | 59.7535% | 4,259 |
| Assets per employee ($millions) | 3.7900% | 4,319 |
| Cash dividends to net income (ytd only)* | 56.9152% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,119 |
| Loan loss allowance to noncurrent loans | 116.5518% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6469% | 886 |
| Noncurrent loans to loans | 1.1583% | 1,656 |
| Net loans and leases to total assets | 68.3087% | 2,796 |
| Net loans and leases to deposits | 77.0541% | 3,265 |
| Net loans and leases to core deposits | 79.9063% | 3,460 |
| Total domestic deposits to total assets | 88.6503% | 1,040 |
| Equity capital to assets | 9.6660% | 4,278 |
| Core capital (leverage) ratio | 9.7700% | 3,856 |
| Tier 1 risk-based capital ratio | 13.9392% | 3,472 |
| Total risk-based capital ratio | 15.1903% | 3,398 |
| Memoranda: | ||
| Average total assets | $722,160,750 | 1,025 |
| Average earning assets | $674,487,000 | 1,006 |
| Average equity | $67,288,000 | 1,193 |
| Average total loans | $482,580,000 | 1,068 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,156 |
| Cost of funding earning assets | 0.4100% | 2,979 |
| Net interest margin | 3.8833% | 1,993 |
| Noninterest income to average assets | 0.3855% | 3,787 |
| Noninterest expense to average assets | 2.4715% | 3,843 |
| Loan and lease loss provision to assets | 0.0832% | 2,323 |
| Net operating income to assets | 0.9298% | 2,764 |
| Return on assets (ROA) | 0.9429% | 2,759 |
| Pretax return on assets | 1.4823% | 1,710 |
| Return on Equity (ROE) | 10.2480% | 1,937 |
| Retained earnings to average equity (ytd only) | 1.2110% | 4,759 |
| Net charge-offs to loans | 0.0143% | 2,962 |
| Credit loss provision to net charge-offs | 882.3529% | 425 |
| Earnings coverage of net charge-offs (x) | 163.9412% | 468 |
| Efficiency ratio | 60.5203% | 4,238 |
| Assets per employee ($millions) | 3.7913% | 4,289 |
| Cash dividends to net income (ytd only)* | 88.1834% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,341 |
| Loan loss allowance to noncurrent loans | 66.1407% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.1449% | 564 |
| Noncurrent loans to loans | 1.9872% | 847 |
| Net loans and leases to total assets | 68.2361% | 2,779 |
| Net loans and leases to deposits | 76.6828% | 3,261 |
| Net loans and leases to core deposits | 79.3113% | 3,481 |
| Total domestic deposits to total assets | 88.9848% | 966 |
| Equity capital to assets | 9.4212% | 4,493 |
| Core capital (leverage) ratio | 9.1443% | 4,563 |
| Tier 1 risk-based capital ratio | 13.2025% | 3,877 |
| Total risk-based capital ratio | 14.4532% | 3,778 |
| Memoranda: | ||
| Average total assets | $721,582,330 | 1,030 |
| Average earning assets | $674,687,000 | 1,004 |
| Average equity | $66,393,330 | 1,205 |
| Average total loans | $476,356,330 | 1,085 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 2,339 |
| Cost of funding earning assets | 0.4001% | 2,997 |
| Net interest margin | 3.7796% | 2,186 |
| Noninterest income to average assets | 0.3493% | 4,047 |
| Noninterest expense to average assets | 2.4795% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9309% | 2,609 |
| Return on assets (ROA) | 0.9302% | 2,670 |
| Pretax return on assets | 1.3994% | 1,895 |
| Return on Equity (ROE) | 10.2323% | 1,857 |
| Retained earnings to average equity (ytd only) | -8.0942% | 5,526 |
| Net charge-offs to loans | -0.0457% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8453% | 4,013 |
| Assets per employee ($millions) | 3.9307% | 4,128 |
| Cash dividends to net income (ytd only)* | 179.1045% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,350 |
| Loan loss allowance to noncurrent loans | 71.1476% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9814% | 667 |
| Noncurrent loans to loans | 1.8788% | 979 |
| Net loans and leases to total assets | 64.9774% | 3,121 |
| Net loans and leases to deposits | 73.0737% | 3,501 |
| Net loans and leases to core deposits | 75.3958% | 3,706 |
| Total domestic deposits to total assets | 88.9204% | 1,181 |
| Equity capital to assets | 9.0165% | 4,789 |
| Core capital (leverage) ratio | 9.2528% | 4,411 |
| Tier 1 risk-based capital ratio | 13.6178% | 3,706 |
| Total risk-based capital ratio | 14.8685% | 3,616 |
| Memoranda: | ||
| Average total assets | $720,305,500 | 1,032 |
| Average earning assets | $672,870,000 | 1,009 |
| Average equity | $65,479,000 | 1,217 |
| Average total loans | $464,183,000 | 1,105 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,934 |
| Cost of funding earning assets | 0.3926% | 3,070 |
| Net interest margin | 3.6854% | 2,758 |
| Noninterest income to average assets | 0.3999% | 3,884 |
| Noninterest expense to average assets | 2.4415% | 4,184 |
| Loan and lease loss provision to assets | 0.1680% | 1,455 |
| Net operating income to assets | 0.7728% | 3,440 |
| Return on assets (ROA) | 0.8477% | 3,191 |
| Pretax return on assets | 1.3321% | 2,171 |
| Return on Equity (ROE) | 9.1533% | 2,345 |
| Retained earnings to average equity (ytd only) | 4.7694% | 2,495 |
| Net charge-offs to loans | 0.1510% | 1,750 |
| Credit loss provision to net charge-offs | 186.3354% | 1,509 |
| Earnings coverage of net charge-offs (x) | 15.3401% | 2,210 |
| Efficiency ratio | 62.4790% | 4,179 |
| Assets per employee ($millions) | 3.8777% | 4,180 |
| Cash dividends to net income (ytd only)* | 47.8943% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 2,094 |
| Loan loss allowance to noncurrent loans | 71.2561% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.0678% | 646 |
| Noncurrent loans to loans | 1.9602% | 927 |
| Net loans and leases to total assets | 62.1355% | 3,598 |
| Net loans and leases to deposits | 70.2524% | 3,880 |
| Net loans and leases to core deposits | 72.5387% | 4,050 |
| Total domestic deposits to total assets | 88.4461% | 1,410 |
| Equity capital to assets | 9.1650% | 4,626 |
| Core capital (leverage) ratio | 9.5450% | 4,026 |
| Tier 1 risk-based capital ratio | 14.6166% | 3,141 |
| Total risk-based capital ratio | 15.8679% | 3,078 |
| Memoranda: | ||
| Average total assets | $714,265,200 | 1,003 |
| Average earning assets | $663,749,000 | 998 |
| Average equity | $66,151,000 | 1,184 |
| Average total loans | $426,430,200 | 1,147 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,109 |
| Cost of funding earning assets | 0.3839% | 3,190 |
| Net interest margin | 3.6457% | 2,907 |
| Noninterest income to average assets | 0.3982% | 3,931 |
| Noninterest expense to average assets | 2.4652% | 4,091 |
| Loan and lease loss provision to assets | 0.1682% | 1,361 |
| Net operating income to assets | 0.7378% | 3,654 |
| Return on assets (ROA) | 0.8400% | 3,316 |
| Pretax return on assets | 1.3087% | 2,397 |
| Return on Equity (ROE) | 9.0460% | 2,462 |
| Retained earnings to average equity (ytd only) | 3.2099% | 3,989 |
| Net charge-offs to loans | 0.2120% | 1,101 |
| Credit loss provision to net charge-offs | 134.7305% | 1,929 |
| Earnings coverage of net charge-offs (x) | 10.5524% | 2,559 |
| Efficiency ratio | 63.7963% | 3,958 |
| Assets per employee ($millions) | 4.0306% | 3,914 |
| Cash dividends to net income (ytd only)* | 64.5162% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,551 |
| Loan loss allowance to noncurrent loans | 62.4609% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.2408% | 646 |
| Noncurrent loans to loans | 2.1212% | 900 |
| Net loans and leases to total assets | 62.5333% | 3,579 |
| Net loans and leases to deposits | 71.0285% | 3,885 |
| Net loans and leases to core deposits | 73.3017% | 4,057 |
| Total domestic deposits to total assets | 88.0397% | 1,387 |
| Equity capital to assets | 9.5095% | 4,651 |
| Core capital (leverage) ratio | 9.3320% | 4,420 |
| Tier 1 risk-based capital ratio | 14.3023% | 3,395 |
| Total risk-based capital ratio | 15.5528% | 3,325 |
| Memoranda: | ||
| Average total assets | $713,489,250 | 1,010 |
| Average earning assets | $662,320,500 | 1,004 |
| Average equity | $66,252,000 | 1,189 |
| Average total loans | $420,024,000 | 1,163 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 3,226 |
| Cost of funding earning assets | 0.3851% | 3,206 |
| Net interest margin | 3.6204% | 3,019 |
| Noninterest income to average assets | 0.3916% | 3,935 |
| Noninterest expense to average assets | 2.4711% | 4,113 |
| Loan and lease loss provision to assets | 0.1682% | 1,325 |
| Net operating income to assets | 0.7437% | 3,577 |
| Return on assets (ROA) | 0.8645% | 3,145 |
| Pretax return on assets | 1.2894% | 2,451 |
| Return on Equity (ROE) | 9.3850% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.4289% | 2,466 |
| Net charge-offs to loans | 0.3410% | 692 |
| Credit loss provision to net charge-offs | 85.9599% | 2,298 |
| Earnings coverage of net charge-offs (x) | 6.5287% | 2,724 |
| Efficiency ratio | 64.5255% | 3,931 |
| Assets per employee ($millions) | 3.8333% | 4,206 |
| Cash dividends to net income (ytd only)* | 42.1530% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 2,661 |
| Loan loss allowance to noncurrent loans | 63.2785% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.1766% | 713 |
| Noncurrent loans to loans | 2.0900% | 939 |
| Net loans and leases to total assets | 59.5408% | 3,943 |
| Net loans and leases to deposits | 68.0231% | 4,181 |
| Net loans and leases to core deposits | 70.3014% | 4,301 |
| Total domestic deposits to total assets | 87.5303% | 1,657 |
| Equity capital to assets | 9.6330% | 4,630 |
| Core capital (leverage) ratio | 9.3308% | 4,420 |
| Tier 1 risk-based capital ratio | 14.9855% | 3,085 |
| Total risk-based capital ratio | 16.2359% | 3,028 |
| Memoranda: | ||
| Average total assets | $713,515,000 | 1,010 |
| Average earning assets | $661,582,670 | 1,004 |
| Average equity | $65,722,000 | 1,198 |
| Average total loans | $409,328,670 | 1,187 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,118 |
| Cost of funding earning assets | 0.4481% | 2,606 |
| Net interest margin | 3.5809% | 3,162 |
| Noninterest income to average assets | 0.4717% | 3,333 |
| Noninterest expense to average assets | 2.5033% | 4,061 |
| Loan and lease loss provision to assets | 0.1677% | 1,232 |
| Net operating income to assets | 0.7047% | 3,687 |
| Return on assets (ROA) | 0.8467% | 3,132 |
| Pretax return on assets | 1.3369% | 2,150 |
| Return on Equity (ROE) | 9.4061% | 2,237 |
| Retained earnings to average equity (ytd only) | 1.3349% | 4,726 |
| Net charge-offs to loans | 0.5169% | 421 |
| Credit loss provision to net charge-offs | 58.0271% | 1,990 |
| Earnings coverage of net charge-offs (x) | 4.4391% | 2,436 |
| Efficiency ratio | 66.1205% | 3,780 |
| Assets per employee ($millions) | 3.8877% | 4,146 |
| Cash dividends to net income (ytd only)* | 85.8086% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,622 |
| Loan loss allowance to noncurrent loans | 69.1501% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 704 |
| Noncurrent loans to loans | 1.9619% | 1,103 |
| Net loans and leases to total assets | 56.3224% | 4,218 |
| Net loans and leases to deposits | 64.3371% | 4,410 |
| Net loans and leases to core deposits | 66.4264% | 4,509 |
| Total domestic deposits to total assets | 87.5427% | 1,903 |
| Equity capital to assets | 9.1453% | 5,043 |
| Core capital (leverage) ratio | 9.1942% | 4,605 |
| Tier 1 risk-based capital ratio | 15.2660% | 3,031 |
| Total risk-based capital ratio | 16.5165% | 2,975 |
| Memoranda: | ||
| Average total assets | $715,689,000 | 1,004 |
| Average earning assets | $662,398,500 | 1,002 |
| Average equity | $64,426,000 | 1,216 |
| Average total loans | $400,041,500 | 1,203 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 1,452 |
| Cost of funding earning assets | 0.4714% | 2,429 |
| Net interest margin | 4.0807% | 1,458 |
| Noninterest income to average assets | 0.6113% | 2,663 |
| Noninterest expense to average assets | 2.7122% | 3,536 |
| Loan and lease loss provision to assets | 0.0741% | 2,790 |
| Net operating income to assets | 1.0806% | 2,003 |
| Return on assets (ROA) | 1.0806% | 2,074 |
| Pretax return on assets | 1.5829% | 1,299 |
| Return on Equity (ROE) | 10.3739% | 1,853 |
| Retained earnings to average equity (ytd only) | 5.9254% | 1,836 |
| Net charge-offs to loans | -0.1027% | 5,782 |
| Credit loss provision to net charge-offs | -111.1111% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0753% | 4,590 |
| Assets per employee ($millions) | 3.9780% | 3,978 |
| Cash dividends to net income (ytd only)* | 42.8816% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 2,131 |
| Loan loss allowance to noncurrent loans | 128.5555% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 1,406 |
| Noncurrent loans to loans | 1.1436% | 2,055 |
| Net loans and leases to total assets | 53.8920% | 4,514 |
| Net loans and leases to deposits | 61.2815% | 4,685 |
| Net loans and leases to core deposits | 63.4669% | 4,771 |
| Total domestic deposits to total assets | 87.9417% | 1,659 |
| Equity capital to assets | 8.8588% | 5,260 |
| Core capital (leverage) ratio | 9.4188% | 4,292 |
| Tier 1 risk-based capital ratio | 15.4065% | 2,983 |
| Total risk-based capital ratio | 16.6580% | 2,917 |
| Memoranda: | ||
| Average total assets | $539,523,600 | 1,258 |
| Average earning assets | $496,855,200 | 1,260 |
| Average equity | $56,198,800 | 1,329 |
| Average total loans | $350,700,200 | 1,286 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 1,082 |
| Cost of funding earning assets | 0.4677% | 2,515 |
| Net interest margin | 4.2419% | 1,073 |
| Noninterest income to average assets | 0.3222% | 4,636 |
| Noninterest expense to average assets | 2.6779% | 3,644 |
| Loan and lease loss provision to assets | 0.0269% | 3,722 |
| Net operating income to assets | 0.9554% | 2,693 |
| Return on assets (ROA) | 0.9554% | 2,778 |
| Pretax return on assets | 1.5185% | 1,632 |
| Return on Equity (ROE) | 8.7023% | 2,729 |
| Retained earnings to average equity (ytd only) | 2.5739% | 4,589 |
| Net charge-offs to loans | -0.0697% | 5,660 |
| Credit loss provision to net charge-offs | -56.1798% | 4,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4081% | 4,349 |
| Assets per employee ($millions) | 3.4646% | 4,860 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 2,266 |
| Loan loss allowance to noncurrent loans | 70.1596% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.8756% | 551 |
| Noncurrent loans to loans | 2.0997% | 1,077 |
| Net loans and leases to total assets | 70.2409% | 2,354 |
| Net loans and leases to deposits | 89.0557% | 1,761 |
| Net loans and leases to core deposits | 91.5364% | 2,312 |
| Total domestic deposits to total assets | 78.8729% | 5,006 |
| Equity capital to assets | 10.9786% | 3,052 |
| Core capital (leverage) ratio | 11.1589% | 2,342 |
| Tier 1 risk-based capital ratio | 15.2957% | 3,144 |
| Total risk-based capital ratio | 16.5481% | 3,070 |
| Memoranda: | ||
| Average total assets | $495,393,250 | 1,363 |
| Average earning assets | $455,599,000 | 1,366 |
| Average equity | $54,390,250 | 1,384 |
| Average total loans | $340,463,000 | 1,323 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,105 |
| Cost of funding earning assets | 0.4693% | 2,524 |
| Net interest margin | 4.2142% | 1,081 |
| Noninterest income to average assets | 0.2365% | 5,265 |
| Noninterest expense to average assets | 2.6483% | 3,747 |
| Loan and lease loss provision to assets | 0.0406% | 3,305 |
| Net operating income to assets | 0.9098% | 2,820 |
| Return on assets (ROA) | 0.9098% | 2,950 |
| Pretax return on assets | 1.4233% | 1,892 |
| Return on Equity (ROE) | 8.2865% | 2,891 |
| Retained earnings to average equity (ytd only) | 3.8533% | 3,552 |
| Net charge-offs to loans | -0.0078% | 4,860 |
| Credit loss provision to net charge-offs | -769.2308% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4013% | 4,288 |
| Assets per employee ($millions) | 3.4576% | 4,872 |
| Cash dividends to net income (ytd only)* | 53.4998% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 2,476 |
| Loan loss allowance to noncurrent loans | 385.4449% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 1,374 |
| Noncurrent loans to loans | 0.3778% | 4,352 |
| Net loans and leases to total assets | 69.9601% | 2,317 |
| Net loans and leases to deposits | 86.5862% | 1,990 |
| Net loans and leases to core deposits | 89.2408% | 2,427 |
| Total domestic deposits to total assets | 80.7982% | 4,669 |
| Equity capital to assets | 11.0246% | 2,861 |
| Core capital (leverage) ratio | 11.3297% | 2,134 |
| Tier 1 risk-based capital ratio | 15.4073% | 3,158 |
| Total risk-based capital ratio | 16.6593% | 3,092 |
| Memoranda: | ||
| Average total assets | $493,067,670 | 1,380 |
| Average earning assets | $453,469,000 | 1,382 |
| Average equity | $54,136,000 | 1,397 |
| Average total loans | $334,569,000 | 1,342 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,323 |
| Cost of funding earning assets | 0.4735% | 2,519 |
| Net interest margin | 4.0809% | 1,330 |
| Noninterest income to average assets | 0.0601% | 6,208 |
| Noninterest expense to average assets | 2.6792% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7068% | 3,763 |
| Return on assets (ROA) | 0.7068% | 3,889 |
| Pretax return on assets | 1.1341% | 2,930 |
| Return on Equity (ROE) | 6.4505% | 3,799 |
| Retained earnings to average equity (ytd only) | -2.4468% | 5,739 |
| Net charge-offs to loans | -0.0184% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2599% | 3,435 |
| Assets per employee ($millions) | 3.4640% | 4,960 |
| Cash dividends to net income (ytd only)* | 137.9310% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 2,404 |
| Loan loss allowance to noncurrent loans | 60.9187% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 569 |
| Noncurrent loans to loans | 2.4797% | 984 |
| Net loans and leases to total assets | 66.4457% | 2,701 |
| Net loans and leases to deposits | 80.5192% | 2,503 |
| Net loans and leases to core deposits | 83.0349% | 2,869 |
| Total domestic deposits to total assets | 82.5216% | 4,346 |
| Equity capital to assets | 10.9811% | 2,988 |
| Core capital (leverage) ratio | 11.0483% | 2,363 |
| Tier 1 risk-based capital ratio | 15.6983% | 3,058 |
| Total risk-based capital ratio | 16.9481% | 3,001 |
| Memoranda: | ||
| Average total assets | $492,382,000 | 1,382 |
| Average earning assets | $452,841,500 | 1,386 |
| Average equity | $53,949,000 | 1,409 |
| Average total loans | $326,343,000 | 1,371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 1,179 |
| Cost of funding earning assets | 0.5103% | 2,573 |
| Net interest margin | 4.2567% | 1,151 |
| Noninterest income to average assets | 0.1835% | 5,761 |
| Noninterest expense to average assets | 2.5003% | 4,548 |
| Loan and lease loss provision to assets | 0.1305% | 2,011 |
| Net operating income to assets | 0.9885% | 2,438 |
| Return on assets (ROA) | 1.0495% | 2,238 |
| Pretax return on assets | 1.5562% | 1,368 |
| Return on Equity (ROE) | 10.0786% | 2,084 |
| Retained earnings to average equity (ytd only) | 6.0696% | 1,881 |
| Net charge-offs to loans | 0.2997% | 1,470 |
| Credit loss provision to net charge-offs | 65.4450% | 3,173 |
| Earnings coverage of net charge-offs (x) | 8.0052% | 2,937 |
| Efficiency ratio | 61.0426% | 5,059 |
| Assets per employee ($millions) | 3.5715% | 4,773 |
| Cash dividends to net income (ytd only)* | 39.7772% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 2,234 |
| Loan loss allowance to noncurrent loans | 134.1025% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 2.3491% | 1,001 |
| Noncurrent loans to loans | 1.1617% | 2,511 |
| Net loans and leases to total assets | 64.0803% | 3,216 |
| Net loans and leases to deposits | 77.4722% | 3,028 |
| Net loans and leases to core deposits | 79.9527% | 3,302 |
| Total domestic deposits to total assets | 82.7140% | 4,178 |
| Equity capital to assets | 10.9325% | 2,971 |
| Core capital (leverage) ratio | 11.2810% | 2,155 |
| Tier 1 risk-based capital ratio | 16.4308% | 2,746 |
| Total risk-based capital ratio | 17.6837% | 2,693 |
| Memoranda: | ||
| Average total assets | $479,105,200 | 1,396 |
| Average earning assets | $440,362,200 | 1,392 |
| Average equity | $49,887,800 | 1,447 |
| Average total loans | $318,644,800 | 1,359 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 1,177 |
| Cost of funding earning assets | 0.5121% | 2,634 |
| Net interest margin | 4.2473% | 1,165 |
| Noninterest income to average assets | 0.2411% | 5,482 |
| Noninterest expense to average assets | 2.4400% | 4,697 |
| Loan and lease loss provision to assets | 0.1121% | 2,176 |
| Net operating income to assets | 1.1099% | 1,987 |
| Return on assets (ROA) | 1.1809% | 1,820 |
| Pretax return on assets | 1.6961% | 1,076 |
| Return on Equity (ROE) | 11.4897% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.0353% | 2,389 |
| Net charge-offs to loans | 0.2846% | 1,380 |
| Credit loss provision to net charge-offs | 58.9102% | 2,952 |
| Earnings coverage of net charge-offs (x) | 8.9676% | 2,731 |
| Efficiency ratio | 58.8414% | 5,328 |
| Assets per employee ($millions) | 3.5631% | 4,748 |
| Cash dividends to net income (ytd only)* | 47.4721% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 2,614 |
| Loan loss allowance to noncurrent loans | 105.0125% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 2.6947% | 937 |
| Noncurrent loans to loans | 1.4482% | 2,246 |
| Net loans and leases to total assets | 67.9705% | 2,535 |
| Net loans and leases to deposits | 84.0688% | 2,139 |
| Net loans and leases to core deposits | 87.0079% | 2,545 |
| Total domestic deposits to total assets | 80.8510% | 4,863 |
| Equity capital to assets | 10.7230% | 3,267 |
| Core capital (leverage) ratio | 11.3723% | 2,158 |
| Tier 1 risk-based capital ratio | 15.5518% | 3,284 |
| Total risk-based capital ratio | 16.8042% | 3,224 |
| Memoranda: | ||
| Average total assets | $475,663,500 | 1,416 |
| Average earning assets | $437,411,000 | 1,410 |
| Average equity | $48,889,000 | 1,476 |
| Average total loans | $318,098,000 | 1,376 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 1,226 |
| Cost of funding earning assets | 0.5071% | 2,759 |
| Net interest margin | 4.2225% | 1,192 |
| Noninterest income to average assets | 0.2895% | 5,101 |
| Noninterest expense to average assets | 2.4179% | 4,831 |
| Loan and lease loss provision to assets | 0.0422% | 3,476 |
| Net operating income to assets | 1.2325% | 1,499 |
| Return on assets (ROA) | 1.3425% | 1,242 |
| Pretax return on assets | 1.8688% | 731 |
| Return on Equity (ROE) | 13.2563% | 1,112 |
| Retained earnings to average equity (ytd only) | 4.9216% | 3,010 |
| Net charge-offs to loans | 0.2737% | 1,448 |
| Credit loss provision to net charge-offs | 23.3100% | 3,147 |
| Earnings coverage of net charge-offs (x) | 9.7110% | 2,331 |
| Efficiency ratio | 57.8979% | 5,566 |
| Assets per employee ($millions) | 3.6764% | 4,492 |
| Cash dividends to net income (ytd only)* | 62.8733% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 2,639 |
| Loan loss allowance to noncurrent loans | 95.0923% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.9309% | 879 |
| Noncurrent loans to loans | 1.6369% | 2,125 |
| Net loans and leases to total assets | 66.6626% | 2,646 |
| Net loans and leases to deposits | 80.4432% | 2,457 |
| Net loans and leases to core deposits | 83.2368% | 2,819 |
| Total domestic deposits to total assets | 82.8691% | 4,356 |
| Equity capital to assets | 10.5707% | 3,352 |
| Core capital (leverage) ratio | 11.2022% | 2,240 |
| Tier 1 risk-based capital ratio | 15.7101% | 3,242 |
| Total risk-based capital ratio | 16.9629% | 3,178 |
| Memoranda: | ||
| Average total assets | $473,880,330 | 1,415 |
| Average earning assets | $436,185,330 | 1,412 |
| Average equity | $47,992,330 | 1,493 |
| Average total loans | $313,465,330 | 1,386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,250 |
| Cost of funding earning assets | 0.5075% | 2,822 |
| Net interest margin | 4.1950% | 1,238 |
| Noninterest income to average assets | 0.3116% | 4,874 |
| Noninterest expense to average assets | 2.4607% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0763% | 1,910 |
| Return on assets (ROA) | 1.1569% | 1,679 |
| Pretax return on assets | 1.8434% | 743 |
| Return on Equity (ROE) | 11.6788% | 1,503 |
| Retained earnings to average equity (ytd only) | -5.3706% | 6,147 |
| Net charge-offs to loans | -0.0142% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8925% | 5,555 |
| Assets per employee ($millions) | 3.7432% | 4,438 |
| Cash dividends to net income (ytd only)* | 145.9854% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 2,309 |
| Loan loss allowance to noncurrent loans | 92.8038% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 3.0190% | 948 |
| Noncurrent loans to loans | 1.8454% | 2,074 |
| Net loans and leases to total assets | 64.9681% | 2,734 |
| Net loans and leases to deposits | 75.7869% | 2,832 |
| Net loans and leases to core deposits | 78.4860% | 3,151 |
| Total domestic deposits to total assets | 85.7248% | 3,503 |
| Equity capital to assets | 10.0453% | 3,792 |
| Core capital (leverage) ratio | 10.8832% | 2,506 |
| Tier 1 risk-based capital ratio | 15.5781% | 3,393 |
| Total risk-based capital ratio | 16.8325% | 3,358 |
| Memoranda: | ||
| Average total assets | $473,693,500 | 1,418 |
| Average earning assets | $436,612,500 | 1,415 |
| Average equity | $46,922,500 | 1,524 |
| Average total loans | $309,623,500 | 1,401 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 2,326 |
| Cost of funding earning assets | 0.6220% | 2,467 |
| Net interest margin | 3.8466% | 2,478 |
| Noninterest income to average assets | 0.0816% | 6,452 |
| Noninterest expense to average assets | 2.3181% | 5,319 |
| Loan and lease loss provision to assets | 0.0717% | 3,681 |
| Net operating income to assets | 0.7694% | 3,448 |
| Return on assets (ROA) | 0.8292% | 3,222 |
| Pretax return on assets | 1.3384% | 2,015 |
| Return on Equity (ROE) | 8.1573% | 2,954 |
| Retained earnings to average equity (ytd only) | 1.0991% | 5,346 |
| Net charge-offs to loans | 0.0124% | 5,203 |
| Credit loss provision to net charge-offs | 897.4359% | 279 |
| Earnings coverage of net charge-offs (x) | 164.6923% | 284 |
| Efficiency ratio | 63.7753% | 4,939 |
| Assets per employee ($millions) | 3.8060% | 4,248 |
| Cash dividends to net income (ytd only)* | 86.5266% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 2,292 |
| Loan loss allowance to noncurrent loans | 87.2441% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 3.4546% | 856 |
| Noncurrent loans to loans | 1.9861% | 2,005 |
| Net loans and leases to total assets | 63.5136% | 3,130 |
| Net loans and leases to deposits | 73.1330% | 3,382 |
| Net loans and leases to core deposits | 77.4560% | 3,429 |
| Total domestic deposits to total assets | 86.8467% | 2,807 |
| Equity capital to assets | 9.7672% | 4,079 |
| Core capital (leverage) ratio | 10.8367% | 2,538 |
| Tier 1 risk-based capital ratio | 15.4911% | 3,382 |
| Total risk-based capital ratio | 16.7454% | 3,329 |
| Memoranda: | ||
| Average total assets | $487,823,400 | 1,361 |
| Average earning assets | $450,607,400 | 1,347 |
| Average equity | $49,587,200 | 1,424 |
| Average total loans | $313,416,000 | 1,349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,604 |
| Cost of funding earning assets | 0.6367% | 2,486 |
| Net interest margin | 3.7615% | 2,796 |
| Noninterest income to average assets | 0.0943% | 6,495 |
| Noninterest expense to average assets | 2.2758% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8228% | 3,237 |
| Return on assets (ROA) | 0.9021% | 2,936 |
| Pretax return on assets | 1.4198% | 1,868 |
| Return on Equity (ROE) | 8.7912% | 2,744 |
| Retained earnings to average equity (ytd only) | -0.4738% | 6,039 |
| Net charge-offs to loans | 0.0237% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 85.2018% | 560 |
| Efficiency ratio | 63.7159% | 4,850 |
| Assets per employee ($millions) | 3.7959% | 4,251 |
| Cash dividends to net income (ytd only)* | 105.3899% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,131 |
| Loan loss allowance to noncurrent loans | 81.1416% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 3.4462% | 991 |
| Noncurrent loans to loans | 1.9384% | 2,316 |
| Net loans and leases to total assets | 65.9566% | 2,645 |
| Net loans and leases to deposits | 76.5507% | 2,875 |
| Net loans and leases to core deposits | 81.1619% | 2,978 |
| Total domestic deposits to total assets | 86.1607% | 3,154 |
| Equity capital to assets | 9.8099% | 4,166 |
| Core capital (leverage) ratio | 10.7904% | 2,683 |
| Tier 1 risk-based capital ratio | 15.3016% | 3,565 |
| Total risk-based capital ratio | 16.5545% | 3,520 |
| Memoranda: | ||
| Average total assets | $490,843,000 | 1,361 |
| Average earning assets | $453,781,750 | 1,346 |
| Average equity | $50,367,250 | 1,419 |
| Average total loans | $314,897,250 | 1,349 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,991 |
| Cost of funding earning assets | 0.6546% | 2,458 |
| Net interest margin | 3.6365% | 3,219 |
| Noninterest income to average assets | -0.0209% | 6,823 |
| Noninterest expense to average assets | 2.2651% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6939% | 3,833 |
| Return on assets (ROA) | 0.8047% | 3,425 |
| Pretax return on assets | 1.2549% | 2,465 |
| Return on Equity (ROE) | 7.7350% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.7350% | 1,583 |
| Net charge-offs to loans | 0.0121% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 141.6316% | 351 |
| Efficiency ratio | 67.6796% | 4,236 |
| Assets per employee ($millions) | 3.8632% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,279 |
| Loan loss allowance to noncurrent loans | 119.3410% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 3.1098% | 1,289 |
| Noncurrent loans to loans | 1.3149% | 3,358 |
| Net loans and leases to total assets | 65.4460% | 2,688 |
| Net loans and leases to deposits | 74.2898% | 3,107 |
| Net loans and leases to core deposits | 79.1575% | 3,139 |
| Total domestic deposits to total assets | 88.0956% | 2,176 |
| Equity capital to assets | 10.5970% | 3,178 |
| Core capital (leverage) ratio | 11.0374% | 2,319 |
| Tier 1 risk-based capital ratio | 16.0194% | 3,179 |
| Total risk-based capital ratio | 17.2722% | 3,125 |
| Memoranda: | ||
| Average total assets | $497,558,670 | 1,340 |
| Average earning assets | $460,771,670 | 1,320 |
| Average equity | $51,764,670 | 1,386 |
| Average total loans | $314,724,330 | 1,347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 3,518 |
| Cost of funding earning assets | 0.6976% | 2,241 |
| Net interest margin | 3.4513% | 3,900 |
| Noninterest income to average assets | -0.4017% | 6,977 |
| Noninterest expense to average assets | 2.1215% | 5,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4318% | 4,994 |
| Return on assets (ROA) | 0.6495% | 4,121 |
| Pretax return on assets | 1.0150% | 3,280 |
| Return on Equity (ROE) | 6.2986% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.2986% | 2,510 |
| Net charge-offs to loans | 0.0524% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 20.8537% | 1,173 |
| Efficiency ratio | 75.8679% | 2,944 |
| Assets per employee ($millions) | 4.0030% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,473 |
| Loan loss allowance to noncurrent loans | 171.4680% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 2.6591% | 1,709 |
| Noncurrent loans to loans | 0.9229% | 4,289 |
| Net loans and leases to total assets | 61.3560% | 3,197 |
| Net loans and leases to deposits | 70.8609% | 3,344 |
| Net loans and leases to core deposits | 75.1932% | 3,443 |
| Total domestic deposits to total assets | 86.5866% | 3,185 |
| Equity capital to assets | 10.4442% | 3,609 |
| Core capital (leverage) ratio | 10.4149% | 2,890 |
| Tier 1 risk-based capital ratio | 15.7321% | 3,410 |
| Total risk-based capital ratio | 16.9848% | 3,366 |
| Memoranda: | ||
| Average total assets | $506,821,500 | 1,333 |
| Average earning assets | $469,618,000 | 1,315 |
| Average equity | $52,265,500 | 1,393 |
| Average total loans | $312,833,500 | 1,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 3,517 |
| Cost of funding earning assets | 0.9285% | 1,766 |
| Net interest margin | 3.5428% | 4,330 |
| Noninterest income to average assets | 0.0372% | 6,729 |
| Noninterest expense to average assets | 2.3821% | 5,463 |
| Loan and lease loss provision to assets | 0.1072% | 4,293 |
| Net operating income to assets | 0.5651% | 4,405 |
| Return on assets (ROA) | 0.8303% | 3,391 |
| Pretax return on assets | 1.1595% | 2,954 |
| Return on Equity (ROE) | 8.3577% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.3577% | 1,013 |
| Net charge-offs to loans | 0.5640% | 2,041 |
| Credit loss provision to net charge-offs | 30.6066% | 5,104 |
| Earnings coverage of net charge-offs (x) | 2.5637% | 4,135 |
| Efficiency ratio | 72.6149% | 3,303 |
| Assets per employee ($millions) | 4.0418% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,254 |
| Loan loss allowance to noncurrent loans | 161.6302% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 3.5983% | 1,245 |
| Noncurrent loans to loans | 0.9973% | 4,196 |
| Net loans and leases to total assets | 60.1274% | 3,582 |
| Net loans and leases to deposits | 69.2372% | 3,804 |
| Net loans and leases to core deposits | 75.4224% | 3,611 |
| Total domestic deposits to total assets | 86.8427% | 2,916 |
| Equity capital to assets | 10.1819% | 3,911 |
| Core capital (leverage) ratio | 10.2806% | 3,034 |
| Tier 1 risk-based capital ratio | 15.2227% | 3,601 |
| Total risk-based capital ratio | 16.4753% | 3,541 |
| Memoranda: | ||
| Average total assets | $512,828,200 | 1,305 |
| Average earning assets | $469,454,800 | 1,300 |
| Average equity | $50,946,800 | 1,390 |
| Average total loans | $318,626,800 | 1,320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 3,468 |
| Cost of funding earning assets | 0.9585% | 1,796 |
| Net interest margin | 3.5811% | 4,319 |
| Noninterest income to average assets | 0.2759% | 5,572 |
| Noninterest expense to average assets | 2.3930% | 5,420 |
| Loan and lease loss provision to assets | 0.0649% | 4,890 |
| Net operating income to assets | 0.7321% | 3,767 |
| Return on assets (ROA) | 1.0607% | 2,462 |
| Pretax return on assets | 1.5822% | 1,636 |
| Return on Equity (ROE) | 10.7436% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.7436% | 734 |
| Net charge-offs to loans | 0.2762% | 3,070 |
| Credit loss provision to net charge-offs | 37.6506% | 4,664 |
| Earnings coverage of net charge-offs (x) | 6.7108% | 2,734 |
| Efficiency ratio | 67.4174% | 4,192 |
| Assets per employee ($millions) | 4.0273% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 2,769 |
| Loan loss allowance to noncurrent loans | 112.5649% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 4.3592% | 1,070 |
| Noncurrent loans to loans | 1.6067% | 3,379 |
| Net loans and leases to total assets | 63.6004% | 3,094 |
| Net loans and leases to deposits | 74.9391% | 3,152 |
| Net loans and leases to core deposits | 81.9479% | 2,968 |
| Total domestic deposits to total assets | 84.8694% | 3,805 |
| Equity capital to assets | 10.4518% | 3,898 |
| Core capital (leverage) ratio | 10.2803% | 3,191 |
| Tier 1 risk-based capital ratio | 14.7718% | 3,998 |
| Total risk-based capital ratio | 16.0269% | 3,952 |
| Memoranda: | ||
| Average total assets | $513,718,500 | 1,315 |
| Average earning assets | $469,596,250 | 1,314 |
| Average equity | $50,720,250 | 1,407 |
| Average total loans | $320,477,000 | 1,324 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 3,562 |
| Cost of funding earning assets | 0.9953% | 1,790 |
| Net interest margin | 3.5547% | 4,445 |
| Noninterest income to average assets | 0.1782% | 6,291 |
| Noninterest expense to average assets | 2.3838% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7563% | 3,571 |
| Return on assets (ROA) | 1.1429% | 2,121 |
| Pretax return on assets | 1.5684% | 1,645 |
| Return on Equity (ROE) | 11.7980% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.7980% | 618 |
| Net charge-offs to loans | 0.6185% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.7257% | 3,648 |
| Efficiency ratio | 69.6495% | 3,826 |
| Assets per employee ($millions) | 4.1519% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,406 |
| Loan loss allowance to noncurrent loans | 109.9396% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 5.4254% | 832 |
| Noncurrent loans to loans | 1.5059% | 3,647 |
| Net loans and leases to total assets | 61.8725% | 3,466 |
| Net loans and leases to deposits | 72.6324% | 3,510 |
| Net loans and leases to core deposits | 80.2348% | 3,184 |
| Total domestic deposits to total assets | 85.1858% | 3,776 |
| Equity capital to assets | 10.2074% | 4,041 |
| Core capital (leverage) ratio | 9.8839% | 3,602 |
| Tier 1 risk-based capital ratio | 14.4141% | 4,166 |
| Total risk-based capital ratio | 15.6671% | 4,129 |
| Memoranda: | ||
| Average total assets | $518,498,330 | 1,307 |
| Average earning assets | $473,239,000 | 1,310 |
| Average equity | $50,229,000 | 1,412 |
| Average total loans | $319,483,670 | 1,329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 3,810 |
| Cost of funding earning assets | 1.0384% | 1,754 |
| Net interest margin | 3.4881% | 4,762 |
| Noninterest income to average assets | 0.1030% | 6,730 |
| Noninterest expense to average assets | 2.1888% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7307% | 3,730 |
| Return on assets (ROA) | 0.7398% | 3,915 |
| Pretax return on assets | 1.1226% | 3,228 |
| Return on Equity (ROE) | 7.8397% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.8397% | 2,041 |
| Net charge-offs to loans | 0.0438% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 41.5429% | 726 |
| Efficiency ratio | 66.3737% | 4,486 |
| Assets per employee ($millions) | 5.0026% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 2,493 |
| Loan loss allowance to noncurrent loans | 60.7530% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 5.7273% | 841 |
| Noncurrent loans to loans | 3.2255% | 1,990 |
| Net loans and leases to total assets | 60.4825% | 3,563 |
| Net loans and leases to deposits | 72.1356% | 3,420 |
| Net loans and leases to core deposits | 79.2697% | 3,141 |
| Total domestic deposits to total assets | 83.8456% | 4,566 |
| Equity capital to assets | 9.7013% | 4,518 |
| Core capital (leverage) ratio | 9.2398% | 4,457 |
| Tier 1 risk-based capital ratio | 13.9041% | 4,526 |
| Total risk-based capital ratio | 15.1607% | 4,503 |
| Memoranda: | ||
| Average total assets | $524,484,000 | 1,291 |
| Average earning assets | $480,373,000 | 1,294 |
| Average equity | $49,492,000 | 1,428 |
| Average total loans | $319,887,000 | 1,323 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 4,504 |
| Cost of funding earning assets | 1.3376% | 1,308 |
| Net interest margin | 3.3025% | 5,797 |
| Noninterest income to average assets | 0.4564% | 4,173 |
| Noninterest expense to average assets | 2.4509% | 5,633 |
| Loan and lease loss provision to assets | 0.4314% | 2,442 |
| Net operating income to assets | 0.4035% | 4,842 |
| Return on assets (ROA) | 0.5077% | 4,597 |
| Pretax return on assets | 0.7554% | 4,133 |
| Return on Equity (ROE) | 5.7868% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.7868% | 2,132 |
| Net charge-offs to loans | 0.8382% | 2,069 |
| Credit loss provision to net charge-offs | 82.2987% | 4,354 |
| Earnings coverage of net charge-offs (x) | 1.9674% | 4,308 |
| Efficiency ratio | 70.3818% | 3,871 |
| Assets per employee ($millions) | 4.9878% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9460% | 2,426 |
| Loan loss allowance to noncurrent loans | 59.0108% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 5.2395% | 999 |
| Noncurrent loans to loans | 3.2976% | 1,965 |
| Net loans and leases to total assets | 59.1408% | 4,167 |
| Net loans and leases to deposits | 70.7142% | 3,988 |
| Net loans and leases to core deposits | 79.2490% | 3,542 |
| Total domestic deposits to total assets | 83.6334% | 4,484 |
| Equity capital to assets | 9.1805% | 5,320 |
| Core capital (leverage) ratio | 8.9137% | 4,908 |
| Tier 1 risk-based capital ratio | 13.4619% | 4,724 |
| Total risk-based capital ratio | 14.7209% | 4,683 |
| Memoranda: | ||
| Average total assets | $537,730,000 | 1,240 |
| Average earning assets | $492,684,000 | 1,231 |
| Average equity | $47,176,600 | 1,438 |
| Average total loans | $336,301,200 | 1,263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 4,594 |
| Cost of funding earning assets | 1.3786% | 1,326 |
| Net interest margin | 3.2910% | 5,885 |
| Noninterest income to average assets | 0.4081% | 4,609 |
| Noninterest expense to average assets | 2.3798% | 5,820 |
| Loan and lease loss provision to assets | 0.5457% | 1,803 |
| Net operating income to assets | 0.3497% | 5,204 |
| Return on assets (ROA) | 0.4962% | 4,754 |
| Pretax return on assets | 0.7034% | 4,469 |
| Return on Equity (ROE) | 5.7217% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.7217% | 2,730 |
| Net charge-offs to loans | 0.8618% | 1,842 |
| Credit loss provision to net charge-offs | 100.3641% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.9176% | 4,218 |
| Efficiency ratio | 69.5350% | 4,031 |
| Assets per employee ($millions) | 5.0677% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 2,397 |
| Loan loss allowance to noncurrent loans | 60.2027% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 5.3576% | 1,053 |
| Noncurrent loans to loans | 3.2849% | 2,101 |
| Net loans and leases to total assets | 63.6782% | 3,373 |
| Net loans and leases to deposits | 77.2723% | 3,124 |
| Net loans and leases to core deposits | 86.9184% | 2,654 |
| Total domestic deposits to total assets | 82.4075% | 4,924 |
| Equity capital to assets | 9.3508% | 5,302 |
| Core capital (leverage) ratio | 9.0536% | 4,846 |
| Tier 1 risk-based capital ratio | 12.8258% | 5,224 |
| Total risk-based capital ratio | 14.0770% | 5,203 |
| Memoranda: | ||
| Average total assets | $538,738,000 | 1,236 |
| Average earning assets | $493,452,500 | 1,232 |
| Average equity | $46,721,750 | 1,456 |
| Average total loans | $339,902,250 | 1,260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 4,743 |
| Cost of funding earning assets | 1.4219% | 1,325 |
| Net interest margin | 3.2311% | 6,061 |
| Noninterest income to average assets | 0.3881% | 4,772 |
| Noninterest expense to average assets | 2.4171% | 5,790 |
| Loan and lease loss provision to assets | 0.4368% | 2,247 |
| Net operating income to assets | 0.3295% | 5,248 |
| Return on assets (ROA) | 0.4965% | 4,657 |
| Pretax return on assets | 0.7408% | 4,245 |
| Return on Equity (ROE) | 5.8734% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.8734% | 2,505 |
| Net charge-offs to loans | 0.6571% | 2,204 |
| Credit loss provision to net charge-offs | 106.3734% | 2,901 |
| Earnings coverage of net charge-offs (x) | 2.2612% | 3,701 |
| Efficiency ratio | 72.2485% | 3,685 |
| Assets per employee ($millions) | 4.8725% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,349 |
| Loan loss allowance to noncurrent loans | 56.8931% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 5.3230% | 1,130 |
| Noncurrent loans to loans | 3.5302% | 2,005 |
| Net loans and leases to total assets | 63.3630% | 3,608 |
| Net loans and leases to deposits | 76.7096% | 3,340 |
| Net loans and leases to core deposits | 86.4168% | 2,842 |
| Total domestic deposits to total assets | 82.6010% | 4,948 |
| Equity capital to assets | 9.0708% | 5,482 |
| Core capital (leverage) ratio | 8.8118% | 5,026 |
| Tier 1 risk-based capital ratio | 12.7604% | 5,121 |
| Total risk-based capital ratio | 14.0176% | 5,085 |
| Memoranda: | ||
| Average total assets | $542,636,000 | 1,234 |
| Average earning assets | $496,665,330 | 1,226 |
| Average equity | $45,868,000 | 1,474 |
| Average total loans | $339,075,330 | 1,274 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 4,996 |
| Cost of funding earning assets | 1.4800% | 1,257 |
| Net interest margin | 3.1094% | 6,327 |
| Noninterest income to average assets | 0.2563% | 5,846 |
| Noninterest expense to average assets | 1.7697% | 7,170 |
| Loan and lease loss provision to assets | 0.8133% | 1,032 |
| Net operating income to assets | 0.3428% | 5,206 |
| Return on assets (ROA) | 0.5882% | 4,164 |
| Pretax return on assets | 0.8874% | 3,553 |
| Return on Equity (ROE) | 7.2103% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.2103% | 2,063 |
| Net charge-offs to loans | 1.0518% | 1,300 |
| Credit loss provision to net charge-offs | 125.8427% | 2,186 |
| Earnings coverage of net charge-offs (x) | 2.0562% | 3,269 |
| Efficiency ratio | 57.1127% | 6,367 |
| Assets per employee ($millions) | 4.9885% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 2,215 |
| Loan loss allowance to noncurrent loans | 54.4245% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 5.4719% | 1,110 |
| Noncurrent loans to loans | 3.8371% | 1,914 |
| Net loans and leases to total assets | 60.2976% | 4,211 |
| Net loans and leases to deposits | 72.9836% | 3,924 |
| Net loans and leases to core deposits | 82.6814% | 3,352 |
| Total domestic deposits to total assets | 82.6180% | 5,057 |
| Equity capital to assets | 8.3800% | 6,074 |
| Core capital (leverage) ratio | 8.2967% | 5,817 |
| Tier 1 risk-based capital ratio | 12.2319% | 5,493 |
| Total risk-based capital ratio | 13.4894% | 5,487 |
| Memoranda: | ||
| Average total assets | $550,840,500 | 1,227 |
| Average earning assets | $503,505,000 | 1,223 |
| Average equity | $44,935,500 | 1,491 |
| Average total loans | $338,479,500 | 1,292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 4,629 |
| Cost of funding earning assets | 1.6990% | 1,603 |
| Net interest margin | 3.2861% | 6,028 |
| Noninterest income to average assets | 0.4176% | 4,760 |
| Noninterest expense to average assets | 1.8023% | 7,261 |
| Loan and lease loss provision to assets | 1.1385% | 1,401 |
| Net operating income to assets | 0.3454% | 4,760 |
| Return on assets (ROA) | 0.3925% | 4,719 |
| Pretax return on assets | 0.5626% | 4,441 |
| Return on Equity (ROE) | 4.6838% | 4,213 |
| Retained earnings to average equity (ytd only) | 1.9271% | 4,512 |
| Net charge-offs to loans | 1.7502% | 1,224 |
| Credit loss provision to net charge-offs | 92.6094% | 5,011 |
| Earnings coverage of net charge-offs (x) | 1.3290% | 4,778 |
| Efficiency ratio | 52.4526% | 6,951 |
| Assets per employee ($millions) | 4.9375% | 2,233 |
| Cash dividends to net income (ytd only)* | 58.8569% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9769% | 2,363 |
| Loan loss allowance to noncurrent loans | 49.2105% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 5.2149% | 1,199 |
| Noncurrent loans to loans | 4.0172% | 1,804 |
| Net loans and leases to total assets | 60.1033% | 4,662 |
| Net loans and leases to deposits | 73.5345% | 4,272 |
| Net loans and leases to core deposits | 83.8737% | 3,616 |
| Total domestic deposits to total assets | 81.7348% | 5,270 |
| Equity capital to assets | 7.9409% | 6,546 |
| Core capital (leverage) ratio | 8.1036% | 6,007 |
| Tier 1 risk-based capital ratio | 11.7020% | 5,723 |
| Total risk-based capital ratio | 12.9583% | 5,720 |
| Memoranda: | ||
| Average total assets | $539,308,000 | 1,244 |
| Average earning assets | $495,397,000 | 1,245 |
| Average equity | $45,198,400 | 1,480 |
| Average total loans | $378,819,000 | 1,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 4,626 |
| Cost of funding earning assets | 1.7259% | 1,739 |
| Net interest margin | 3.3133% | 5,968 |
| Noninterest income to average assets | 0.4287% | 4,732 |
| Noninterest expense to average assets | 1.7763% | 7,354 |
| Loan and lease loss provision to assets | 0.5611% | 2,702 |
| Net operating income to assets | 0.7380% | 3,243 |
| Return on assets (ROA) | 0.7948% | 3,184 |
| Pretax return on assets | 1.2277% | 2,399 |
| Return on Equity (ROE) | 9.3551% | 2,366 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,546 |
| Net charge-offs to loans | 1.1752% | 1,736 |
| Credit loss provision to net charge-offs | 65.7895% | 5,540 |
| Earnings coverage of net charge-offs (x) | 1.9950% | 4,220 |
| Efficiency ratio | 51.0756% | 7,068 |
| Assets per employee ($millions) | 4.9660% | 2,226 |
| Cash dividends to net income (ytd only)* | 39.0963% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,552 |
| Loan loss allowance to noncurrent loans | 28.9281% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 5.4283% | 1,148 |
| Noncurrent loans to loans | 5.5038% | 1,203 |
| Net loans and leases to total assets | 68.2083% | 3,162 |
| Net loans and leases to deposits | 85.4413% | 2,448 |
| Net loans and leases to core deposits | 106.3189% | 1,297 |
| Total domestic deposits to total assets | 79.8306% | 5,764 |
| Equity capital to assets | 8.6712% | 6,073 |
| Core capital (leverage) ratio | 8.4680% | 5,561 |
| Tier 1 risk-based capital ratio | 11.3650% | 6,044 |
| Total risk-based capital ratio | 12.6180% | 6,025 |
| Memoranda: | ||
| Average total assets | $534,651,000 | 1,268 |
| Average earning assets | $492,020,750 | 1,263 |
| Average equity | $45,421,750 | 1,481 |
| Average total loans | $387,998,500 | 1,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 4,573 |
| Cost of funding earning assets | 1.7074% | 2,083 |
| Net interest margin | 3.3701% | 5,755 |
| Noninterest income to average assets | 0.4422% | 4,585 |
| Noninterest expense to average assets | 1.7644% | 7,434 |
| Loan and lease loss provision to assets | 0.2835% | 4,129 |
| Net operating income to assets | 0.9566% | 2,341 |
| Return on assets (ROA) | 1.0406% | 2,123 |
| Pretax return on assets | 1.6321% | 1,207 |
| Return on Equity (ROE) | 12.3371% | 1,374 |
| Retained earnings to average equity (ytd only) | 6.7534% | 1,945 |
| Net charge-offs to loans | 0.9365% | 1,964 |
| Credit loss provision to net charge-offs | 41.0734% | 5,595 |
| Earnings coverage of net charge-offs (x) | 2.5854% | 3,703 |
| Efficiency ratio | 49.7178% | 7,244 |
| Assets per employee ($millions) | 4.9161% | 2,282 |
| Cash dividends to net income (ytd only)* | 45.2597% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 3,513 |
| Loan loss allowance to noncurrent loans | 23.8623% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 6.0018% | 980 |
| Noncurrent loans to loans | 6.6480% | 886 |
| Net loans and leases to total assets | 70.8629% | 2,699 |
| Net loans and leases to deposits | 89.9864% | 1,854 |
| Net loans and leases to core deposits | 102.4541% | 1,785 |
| Total domestic deposits to total assets | 78.7485% | 6,104 |
| Equity capital to assets | 8.6332% | 5,969 |
| Core capital (leverage) ratio | 8.7125% | 5,055 |
| Tier 1 risk-based capital ratio | 11.2162% | 6,023 |
| Total risk-based capital ratio | 12.4694% | 6,005 |
| Memoranda: | ||
| Average total assets | $529,126,000 | 1,284 |
| Average earning assets | $487,765,670 | 1,278 |
| Average equity | $44,629,670 | 1,490 |
| Average total loans | $389,976,330 | 1,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 4,848 |
| Cost of funding earning assets | 1.7345% | 2,210 |
| Net interest margin | 3.3027% | 5,963 |
| Noninterest income to average assets | -0.0214% | 7,704 |
| Noninterest expense to average assets | 1.7588% | 7,514 |
| Loan and lease loss provision to assets | 0.3822% | 3,072 |
| Net operating income to assets | 0.5845% | 3,965 |
| Return on assets (ROA) | 0.7101% | 3,501 |
| Pretax return on assets | 1.0801% | 2,801 |
| Return on Equity (ROE) | 8.5226% | 2,655 |
| Retained earnings to average equity (ytd only) | -2.9082% | 6,345 |
| Net charge-offs to loans | 0.7400% | 2,027 |
| Credit loss provision to net charge-offs | 69.2521% | 4,115 |
| Earnings coverage of net charge-offs (x) | 2.3047% | 3,387 |
| Efficiency ratio | 58.0328% | 6,484 |
| Assets per employee ($millions) | 4.7919% | 2,521 |
| Cash dividends to net income (ytd only)* | 134.1227% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 2,751 |
| Loan loss allowance to noncurrent loans | 27.9774% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 5.7559% | 1,058 |
| Noncurrent loans to loans | 6.4165% | 977 |
| Net loans and leases to total assets | 72.9695% | 2,210 |
| Net loans and leases to deposits | 92.8112% | 1,500 |
| Net loans and leases to core deposits | 106.3219% | 1,551 |
| Total domestic deposits to total assets | 78.6214% | 6,170 |
| Equity capital to assets | 8.4234% | 6,121 |
| Core capital (leverage) ratio | 8.5407% | 5,305 |
| Tier 1 risk-based capital ratio | 10.7243% | 6,416 |
| Total risk-based capital ratio | 11.9800% | 6,397 |
| Memoranda: | ||
| Average total assets | $523,303,500 | 1,331 |
| Average earning assets | $483,610,000 | 1,320 |
| Average equity | $43,601,500 | 1,536 |
| Average total loans | $390,273,000 | 1,214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 3,173 |
| Cost of funding earning assets | 2.1900% | 2,078 |
| Net interest margin | 3.4966% | 4,968 |
| Noninterest income to average assets | 0.4652% | 4,680 |
| Noninterest expense to average assets | 2.0060% | 7,362 |
| Loan and lease loss provision to assets | 1.2378% | 1,860 |
| Net operating income to assets | 0.4363% | 3,982 |
| Return on assets (ROA) | 0.4904% | 3,870 |
| Pretax return on assets | 0.5366% | 4,088 |
| Return on Equity (ROE) | 5.8248% | 3,286 |
| Retained earnings to average equity (ytd only) | -0.3116% | 5,024 |
| Net charge-offs to loans | 0.8530% | 2,693 |
| Credit loss provision to net charge-offs | 186.1054% | 2,182 |
| Earnings coverage of net charge-offs (x) | 2.5785% | 3,825 |
| Efficiency ratio | 53.9121% | 7,240 |
| Assets per employee ($millions) | 4.8551% | 2,401 |
| Cash dividends to net income (ytd only)* | 105.3493% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 2,358 |
| Loan loss allowance to noncurrent loans | 36.3796% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 4.9044% | 1,270 |
| Noncurrent loans to loans | 5.1267% | 1,303 |
| Net loans and leases to total assets | 73.4619% | 2,392 |
| Net loans and leases to deposits | 94.4325% | 1,543 |
| Net loans and leases to core deposits | 127.7563% | 1,406 |
| Total domestic deposits to total assets | 77.7930% | 6,273 |
| Equity capital to assets | 8.2392% | 6,290 |
| Core capital (leverage) ratio | 8.2725% | 5,669 |
| Tier 1 risk-based capital ratio | 10.5151% | 6,385 |
| Total risk-based capital ratio | 11.7717% | 6,351 |
| Memoranda: | ||
| Average total assets | $510,763,600 | 1,346 |
| Average earning assets | $475,579,600 | 1,328 |
| Average equity | $43,005,400 | 1,553 |
| Average total loans | $398,239,600 | 1,209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7807% | 2,976 |
| Cost of funding earning assets | 2.2801% | 2,067 |
| Net interest margin | 3.5006% | 4,865 |
| Noninterest income to average assets | 0.4016% | 5,269 |
| Noninterest expense to average assets | 2.0218% | 7,344 |
| Loan and lease loss provision to assets | 1.0216% | 1,879 |
| Net operating income to assets | 0.4363% | 4,253 |
| Return on assets (ROA) | 0.4929% | 4,111 |
| Pretax return on assets | 0.6989% | 3,862 |
| Return on Equity (ROE) | 5.8217% | 3,595 |
| Retained earnings to average equity (ytd only) | -2.4278% | 5,807 |
| Net charge-offs to loans | 0.4627% | 3,375 |
| Credit loss provision to net charge-offs | 280.3597% | 1,503 |
| Earnings coverage of net charge-offs (x) | 4.5029% | 3,119 |
| Efficiency ratio | 55.2001% | 7,100 |
| Assets per employee ($millions) | 4.4552% | 2,935 |
| Cash dividends to net income (ytd only)* | 141.7023% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 2,729 |
| Loan loss allowance to noncurrent loans | 45.5819% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 3.8428% | 1,679 |
| Noncurrent loans to loans | 3.6663% | 2,036 |
| Net loans and leases to total assets | 80.5957% | 1,067 |
| Net loans and leases to deposits | 105.1869% | 699 |
| Net loans and leases to core deposits | 137.4438% | 1,037 |
| Total domestic deposits to total assets | 76.6214% | 6,442 |
| Equity capital to assets | 8.5327% | 6,210 |
| Core capital (leverage) ratio | 8.3683% | 5,718 |
| Tier 1 risk-based capital ratio | 10.1670% | 6,815 |
| Total risk-based capital ratio | 11.4218% | 6,746 |
| Memoranda: | ||
| Average total assets | $508,580,750 | 1,376 |
| Average earning assets | $473,773,500 | 1,354 |
| Average equity | $43,056,250 | 1,571 |
| Average total loans | $400,578,500 | 1,219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 2,737 |
| Cost of funding earning assets | 2.3502% | 2,158 |
| Net interest margin | 3.5156% | 4,729 |
| Noninterest income to average assets | 0.3853% | 5,419 |
| Noninterest expense to average assets | 2.0532% | 7,370 |
| Loan and lease loss provision to assets | 0.2540% | 4,541 |
| Net operating income to assets | 0.9144% | 2,399 |
| Return on assets (ROA) | 0.9914% | 2,236 |
| Pretax return on assets | 1.4639% | 1,551 |
| Return on Equity (ROE) | 11.7410% | 1,499 |
| Retained earnings to average equity (ytd only) | -0.5877% | 5,372 |
| Net charge-offs to loans | 0.0965% | 5,204 |
| Credit loss provision to net charge-offs | 338.5417% | 1,372 |
| Earnings coverage of net charge-offs (x) | 21.3854% | 1,268 |
| Efficiency ratio | 56.1325% | 7,105 |
| Assets per employee ($millions) | 4.3427% | 3,032 |
| Cash dividends to net income (ytd only)* | 105.0059% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,080 |
| Loan loss allowance to noncurrent loans | 42.5271% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.6712% | 2,400 |
| Noncurrent loans to loans | 2.7739% | 2,595 |
| Net loans and leases to total assets | 79.5876% | 1,379 |
| Net loans and leases to deposits | 103.7403% | 931 |
| Net loans and leases to core deposits | 141.2344% | 963 |
| Total domestic deposits to total assets | 76.7182% | 6,394 |
| Equity capital to assets | 8.4653% | 6,098 |
| Core capital (leverage) ratio | 8.2398% | 5,904 |
| Tier 1 risk-based capital ratio | 10.3719% | 6,507 |
| Total risk-based capital ratio | 11.5263% | 6,555 |
| Memoranda: | ||
| Average total assets | $511,778,670 | 1,379 |
| Average earning assets | $476,386,330 | 1,357 |
| Average equity | $43,216,000 | 1,574 |
| Average total loans | $397,772,330 | 1,246 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8229% | 3,182 |
| Cost of funding earning assets | 2.4086% | 2,256 |
| Net interest margin | 3.4144% | 5,082 |
| Noninterest income to average assets | 0.3637% | 5,522 |
| Noninterest expense to average assets | 2.1497% | 7,010 |
| Loan and lease loss provision to assets | 0.1163% | 5,482 |
| Net operating income to assets | 0.8224% | 3,032 |
| Return on assets (ROA) | 0.8678% | 2,996 |
| Pretax return on assets | 1.3292% | 2,184 |
| Return on Equity (ROE) | 10.2892% | 2,202 |
| Retained earnings to average equity (ytd only) | -1.9677% | 6,100 |
| Net charge-offs to loans | 0.1534% | 3,729 |
| Credit loss provision to net charge-offs | 99.3377% | 3,814 |
| Earnings coverage of net charge-offs (x) | 11.7483% | 1,855 |
| Efficiency ratio | 60.9767% | 6,256 |
| Assets per employee ($millions) | 4.4292% | 2,832 |
| Cash dividends to net income (ytd only)* | 119.1242% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,561 |
| Loan loss allowance to noncurrent loans | 39.0947% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 2.4197% | 2,374 |
| Noncurrent loans to loans | 2.7805% | 2,361 |
| Net loans and leases to total assets | 75.9771% | 2,278 |
| Net loans and leases to deposits | 98.4010% | 1,608 |
| Net loans and leases to core deposits | 136.2947% | 1,285 |
| Total domestic deposits to total assets | 77.2117% | 6,225 |
| Equity capital to assets | 8.3676% | 6,287 |
| Core capital (leverage) ratio | 8.2534% | 5,992 |
| Tier 1 risk-based capital ratio | 10.3462% | 6,545 |
| Total risk-based capital ratio | 11.3893% | 6,683 |
| Memoranda: | ||
| Average total assets | $515,791,500 | 1,377 |
| Average earning assets | $477,629,000 | 1,358 |
| Average equity | $43,502,000 | 1,569 |
| Average total loans | $393,803,000 | 1,268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8160% | 1,621 |
| Cost of funding earning assets | 3.0546% | 1,663 |
| Net interest margin | 3.7614% | 4,176 |
| Noninterest income to average assets | 0.4777% | 4,819 |
| Noninterest expense to average assets | 2.4992% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8660% | 3,147 |
| Return on assets (ROA) | 0.8808% | 2,934 |
| Pretax return on assets | 1.4828% | 1,731 |
| Return on Equity (ROE) | 10.0145% | 2,257 |
| Retained earnings to average equity (ytd only) | 2.9783% | 3,319 |
| Net charge-offs to loans | 0.2296% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 8.2221% | 2,920 |
| Efficiency ratio | 63.1296% | 5,754 |
| Assets per employee ($millions) | 4.3878% | 2,814 |
| Cash dividends to net income (ytd only)* | 70.2601% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,193 |
| Loan loss allowance to noncurrent loans | 41.1446% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 2,084 |
| Noncurrent loans to loans | 2.7003% | 2,006 |
| Net loans and leases to total assets | 75.0390% | 2,877 |
| Net loans and leases to deposits | 97.4849% | 2,198 |
| Net loans and leases to core deposits | 141.4020% | 1,190 |
| Total domestic deposits to total assets | 76.9750% | 5,998 |
| Equity capital to assets | 8.5011% | 6,079 |
| Core capital (leverage) ratio | 8.3556% | 5,840 |
| Tier 1 risk-based capital ratio | 10.5350% | 6,174 |
| Total risk-based capital ratio | 11.5922% | 6,246 |
| Memoranda: | ||
| Average total assets | $484,425,400 | 1,412 |
| Average earning assets | $448,339,600 | 1,386 |
| Average equity | $42,608,200 | 1,571 |
| Average total loans | $374,629,000 | 1,298 |