Home > Petefish, Skiles & Co. > Performance and Condition Ratios
Petefish, Skiles & Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 3,205 |
| Cost of funding earning assets | 1.1176% | 3,020 |
| Net interest margin | 3.3231% | 2,568 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.6832% | 1,781 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9875% | 2,260 |
| Return on assets (ROA) | 0.9875% | 2,242 |
| Pretax return on assets | 1.0422% | 2,556 |
| Return on Equity (ROE) | 12.9800% | 1,736 |
| Retained earnings to average equity (ytd only) | -3.8870% | 4,365 |
| Net charge-offs to loans | 0.0269% | 1,783 |
| Credit loss provision to net charge-offs | 164.0000% | 1,386 |
| Earnings coverage of net charge-offs (x) | 62.2400% | 1,168 |
| Efficiency ratio | 71.4836% | 1,711 |
| Assets per employee ($millions) | 6.2236% | 2,613 |
| Cash dividends to net income (ytd only)* | 129.9547% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 3,747 |
| Loan loss allowance to noncurrent loans | 397.1678% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,486 |
| Noncurrent loans to loans | 0.2239% | 2,426 |
| Net loans and leases to total assets | 68.0300% | 2,031 |
| Net loans and leases to deposits | 76.0921% | 2,444 |
| Net loans and leases to core deposits | 80.5899% | 2,675 |
| Total domestic deposits to total assets | 89.4000% | 945 |
| Equity capital to assets | 7.5174% | 3,709 |
| Core capital (leverage) ratio | 9.1127% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $290,737,600 | 2,467 |
| Average earning assets | $269,417,800 | 2,468 |
| Average equity | $22,125,000 | 2,685 |
| Average total loans | $186,129,400 | 2,382 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 3,237 |
| Cost of funding earning assets | 1.0486% | 2,894 |
| Net interest margin | 3.2829% | 2,726 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.6519% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9669% | 2,461 |
| Return on assets (ROA) | 0.9669% | 2,454 |
| Pretax return on assets | 1.0224% | 2,789 |
| Return on Equity (ROE) | 12.6700% | 1,963 |
| Retained earnings to average equity (ytd only) | 2.1897% | 3,695 |
| Net charge-offs to loans | 0.0316% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 51.4884% | 1,299 |
| Efficiency ratio | 72.1754% | 1,546 |
| Assets per employee ($millions) | 6.1394% | 2,622 |
| Cash dividends to net income (ytd only)* | 82.7125% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 3,621 |
| Loan loss allowance to noncurrent loans | 586.5772% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,694 |
| Noncurrent loans to loans | 0.1590% | 2,755 |
| Net loans and leases to total assets | 61.7000% | 2,680 |
| Net loans and leases to deposits | 68.2230% | 2,967 |
| Net loans and leases to core deposits | 72.2389% | 3,093 |
| Total domestic deposits to total assets | 90.4500% | 826 |
| Equity capital to assets | 6.8639% | 3,680 |
| Core capital (leverage) ratio | 9.5514% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $288,738,250 | 2,481 |
| Average earning assets | $267,521,000 | 2,477 |
| Average equity | $22,042,000 | 2,674 |
| Average total loans | $181,401,750 | 2,434 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,269 |
| Cost of funding earning assets | 0.9328% | 2,823 |
| Net interest margin | 3.2806% | 2,793 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6624% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9399% | 2,615 |
| Return on assets (ROA) | 0.9399% | 2,603 |
| Pretax return on assets | 0.9961% | 2,916 |
| Return on Equity (ROE) | 11.8900% | 2,181 |
| Retained earnings to average equity (ytd only) | 2.3105% | 3,645 |
| Net charge-offs to loans | 0.0412% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 38.3243% | 1,424 |
| Efficiency ratio | 72.7727% | 1,479 |
| Assets per employee ($millions) | 5.4329% | 3,202 |
| Cash dividends to net income (ytd only)* | 80.5680% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,529 |
| Loan loss allowance to noncurrent loans | 475.3388% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 2,482 |
| Noncurrent loans to loans | 0.2042% | 2,445 |
| Net loans and leases to total assets | 62.1500% | 2,563 |
| Net loans and leases to deposits | 70.1559% | 2,774 |
| Net loans and leases to core deposits | 74.9133% | 2,835 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 7.8720% | 3,293 |
| Core capital (leverage) ratio | 9.9132% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $284,706,667 | 2,502 |
| Average earning assets | $263,729,000 | 2,508 |
| Average equity | $22,506,333 | 2,660 |
| Average total loans | $179,410,333 | 2,444 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 3,255 |
| Cost of funding earning assets | 0.8212% | 2,649 |
| Net interest margin | 3.2773% | 2,931 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.6875% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8266% | 3,107 |
| Return on assets (ROA) | 0.8266% | 3,061 |
| Pretax return on assets | 0.8831% | 3,286 |
| Return on Equity (ROE) | 10.4300% | 2,657 |
| Retained earnings to average equity (ytd only) | -0.2675% | 4,058 |
| Net charge-offs to loans | 0.0604% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 23.1481% | 1,410 |
| Efficiency ratio | 75.2671% | 1,226 |
| Assets per employee ($millions) | 5.5576% | 3,158 |
| Cash dividends to net income (ytd only)* | 102.5641% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,474 |
| Loan loss allowance to noncurrent loans | 404.5872% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 2,134 |
| Noncurrent loans to loans | 0.2496% | 2,253 |
| Net loans and leases to total assets | 59.8200% | 2,674 |
| Net loans and leases to deposits | 69.4655% | 2,659 |
| Net loans and leases to core deposits | 74.1962% | 2,662 |
| Total domestic deposits to total assets | 86.1200% | 2,549 |
| Equity capital to assets | 7.8600% | 3,340 |
| Core capital (leverage) ratio | 9.7758% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $283,087,500 | 2,543 |
| Average earning assets | $262,047,500 | 2,548 |
| Average equity | $22,426,000 | 2,687 |
| Average total loans | $178,757,500 | 2,468 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 2,541 |
| Cost of funding earning assets | 0.4275% | 1,882 |
| Net interest margin | 3.2655% | 2,661 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.8467% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9491% | 2,775 |
| Return on assets (ROA) | 0.9491% | 2,722 |
| Pretax return on assets | 1.0199% | 3,022 |
| Return on Equity (ROE) | 10.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 5.7627% | 2,730 |
| Net charge-offs to loans | -0.0114% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6218% | 1,257 |
| Assets per employee ($millions) | 5.0396% | 3,647 |
| Cash dividends to net income (ytd only)* | 45.8060% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,306 |
| Loan loss allowance to noncurrent loans | 337.0438% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 1,964 |
| Noncurrent loans to loans | 0.2997% | 2,068 |
| Net loans and leases to total assets | 65.3100% | 2,109 |
| Net loans and leases to deposits | 76.0062% | 2,094 |
| Net loans and leases to core deposits | 78.4293% | 2,246 |
| Total domestic deposits to total assets | 85.9200% | 2,753 |
| Equity capital to assets | 7.9865% | 3,065 |
| Core capital (leverage) ratio | 10.0228% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $272,564,400 | 2,592 |
| Average earning assets | $251,935,200 | 2,600 |
| Average equity | $24,328,800 | 2,614 |
| Average total loans | $167,218,200 | 2,485 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 2,392 |
| Cost of funding earning assets | 0.3587% | 1,631 |
| Net interest margin | 3.2242% | 2,553 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.8758% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9314% | 2,752 |
| Return on assets (ROA) | 0.9314% | 2,717 |
| Pretax return on assets | 0.9933% | 3,032 |
| Return on Equity (ROE) | 10.1600% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.9094% | 3,136 |
| Net charge-offs to loans | -0.0163% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3271% | 1,244 |
| Assets per employee ($millions) | 4.7108% | 3,902 |
| Cash dividends to net income (ytd only)* | 51.6878% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,234 |
| Loan loss allowance to noncurrent loans | 324.9561% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 1,957 |
| Noncurrent loans to loans | 0.3240% | 2,074 |
| Net loans and leases to total assets | 64.7200% | 2,012 |
| Net loans and leases to deposits | 72.8386% | 2,140 |
| Net loans and leases to core deposits | 74.7908% | 2,291 |
| Total domestic deposits to total assets | 88.8600% | 2,149 |
| Equity capital to assets | 7.5549% | 3,188 |
| Core capital (leverage) ratio | 10.1277% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $271,410,750 | 2,617 |
| Average earning assets | $250,927,750 | 2,628 |
| Average equity | $24,876,750 | 2,627 |
| Average total loans | $163,305,750 | 2,518 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 2,338 |
| Cost of funding earning assets | 0.3427% | 1,341 |
| Net interest margin | 3.0918% | 2,559 |
| Noninterest income to average assets | 0.9678% | 718 |
| Noninterest expense to average assets | 2.8174% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9435% | 2,384 |
| Return on assets (ROA) | 0.9435% | 2,358 |
| Pretax return on assets | 1.0126% | 2,681 |
| Return on Equity (ROE) | 9.7323% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.6733% | 3,213 |
| Net charge-offs to loans | -0.0214% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5621% | 1,565 |
| Assets per employee ($millions) | 4.3815% | 4,161 |
| Cash dividends to net income (ytd only)* | 62.2568% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,020 |
| Loan loss allowance to noncurrent loans | 298.2229% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 2,143 |
| Noncurrent loans to loans | 0.3797% | 2,000 |
| Net loans and leases to total assets | 61.3078% | 2,188 |
| Net loans and leases to deposits | 69.3299% | 2,272 |
| Net loans and leases to core deposits | 71.1900% | 2,402 |
| Total domestic deposits to total assets | 88.4290% | 2,415 |
| Equity capital to assets | 8.6656% | 2,639 |
| Core capital (leverage) ratio | 10.1200% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,376,333 | 2,632 |
| Average earning assets | $252,152,333 | 2,656 |
| Average equity | $26,407,000 | 2,614 |
| Average total loans | $159,194,667 | 2,557 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 2,465 |
| Cost of funding earning assets | 0.3223% | 1,442 |
| Net interest margin | 2.9507% | 2,666 |
| Noninterest income to average assets | 0.9498% | 760 |
| Noninterest expense to average assets | 2.8421% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8112% | 2,629 |
| Return on assets (ROA) | 0.8112% | 2,620 |
| Pretax return on assets | 0.8430% | 2,968 |
| Return on Equity (ROE) | 7.9660% | 2,710 |
| Retained earnings to average equity (ytd only) | -1.9561% | 4,241 |
| Net charge-offs to loans | -0.0076% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1250% | 1,394 |
| Assets per employee ($millions) | 4.8066% | 3,917 |
| Cash dividends to net income (ytd only)* | 124.5552% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,059 |
| Loan loss allowance to noncurrent loans | 293.5897% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 2,301 |
| Noncurrent loans to loans | 0.3948% | 2,077 |
| Net loans and leases to total assets | 55.0845% | 2,626 |
| Net loans and leases to deposits | 67.5114% | 2,200 |
| Net loans and leases to core deposits | 68.2816% | 2,432 |
| Total domestic deposits to total assets | 81.5928% | 4,132 |
| Equity capital to assets | 9.1809% | 2,542 |
| Core capital (leverage) ratio | 9.5399% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,119,500 | 2,616 |
| Average earning assets | $256,890,000 | 2,632 |
| Average equity | $28,220,000 | 2,587 |
| Average total loans | $157,283,000 | 2,576 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 1,811 |
| Cost of funding earning assets | 0.3688% | 1,771 |
| Net interest margin | 3.4545% | 1,870 |
| Noninterest income to average assets | 1.3488% | 595 |
| Noninterest expense to average assets | 2.9599% | 1,048 |
| Loan and lease loss provision to assets | 0.1193% | 1,044 |
| Net operating income to assets | 1.3816% | 1,340 |
| Return on assets (ROA) | 1.3846% | 1,385 |
| Pretax return on assets | 1.4716% | 1,811 |
| Return on Equity (ROE) | 11.5443% | 1,967 |
| Retained earnings to average equity (ytd only) | 5.5617% | 2,537 |
| Net charge-offs to loans | -0.0073% | 3,647 |
| Credit loss provision to net charge-offs | -2,727.2727% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0874% | 2,387 |
| Assets per employee ($millions) | 4.8330% | 3,863 |
| Cash dividends to net income (ytd only)* | 51.8231% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 3,028 |
| Loan loss allowance to noncurrent loans | 319.7552% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,478 |
| Noncurrent loans to loans | 0.3654% | 2,276 |
| Net loans and leases to total assets | 57.1556% | 2,460 |
| Net loans and leases to deposits | 73.0626% | 1,806 |
| Net loans and leases to core deposits | 73.9253% | 2,081 |
| Total domestic deposits to total assets | 78.2283% | 4,375 |
| Equity capital to assets | 11.2337% | 1,643 |
| Core capital (leverage) ratio | 10.3426% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,559,000 | 2,714 |
| Average earning assets | $232,942,600 | 2,724 |
| Average equity | $30,170,800 | 2,522 |
| Average total loans | $150,602,000 | 2,624 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 1,557 |
| Cost of funding earning assets | 0.3844% | 1,825 |
| Net interest margin | 3.6057% | 1,586 |
| Noninterest income to average assets | 1.2372% | 753 |
| Noninterest expense to average assets | 2.8434% | 1,236 |
| Loan and lease loss provision to assets | 0.0810% | 1,465 |
| Net operating income to assets | 1.6274% | 962 |
| Return on assets (ROA) | 1.6316% | 1,003 |
| Pretax return on assets | 1.6565% | 1,531 |
| Return on Equity (ROE) | 13.3717% | 1,588 |
| Retained earnings to average equity (ytd only) | 7.4386% | 2,259 |
| Net charge-offs to loans | -0.0206% | 3,976 |
| Credit loss provision to net charge-offs | -652.1739% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1296% | 2,673 |
| Assets per employee ($millions) | 4.6525% | 4,003 |
| Cash dividends to net income (ytd only)* | 44.3709% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,341 |
| Loan loss allowance to noncurrent loans | 284.2017% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 2,562 |
| Noncurrent loans to loans | 0.3946% | 2,381 |
| Net loans and leases to total assets | 58.2673% | 2,451 |
| Net loans and leases to deposits | 73.3585% | 1,921 |
| Net loans and leases to core deposits | 74.2776% | 2,208 |
| Total domestic deposits to total assets | 79.4281% | 4,303 |
| Equity capital to assets | 11.9994% | 1,402 |
| Core capital (leverage) ratio | 10.5575% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,786,500 | 2,772 |
| Average earning assets | $228,561,250 | 2,775 |
| Average equity | $30,112,500 | 2,556 |
| Average total loans | $149,122,500 | 2,683 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 1,077 |
| Cost of funding earning assets | 0.3979% | 1,900 |
| Net interest margin | 3.8598% | 1,045 |
| Noninterest income to average assets | 1.3382% | 659 |
| Noninterest expense to average assets | 2.7930% | 1,372 |
| Loan and lease loss provision to assets | 0.1231% | 1,020 |
| Net operating income to assets | 1.9693% | 511 |
| Return on assets (ROA) | 1.9758% | 535 |
| Pretax return on assets | 2.0028% | 833 |
| Return on Equity (ROE) | 16.0989% | 940 |
| Retained earnings to average equity (ytd only) | 8.2768% | 1,986 |
| Net charge-offs to loans | -0.0162% | 3,892 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8565% | 3,425 |
| Assets per employee ($millions) | 4.9158% | 3,731 |
| Cash dividends to net income (ytd only)* | 48.5880% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,270 |
| Loan loss allowance to noncurrent loans | 324.9516% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,872 |
| Noncurrent loans to loans | 0.3489% | 2,657 |
| Net loans and leases to total assets | 57.3198% | 2,746 |
| Net loans and leases to deposits | 72.4666% | 2,167 |
| Net loans and leases to core deposits | 73.3783% | 2,474 |
| Total domestic deposits to total assets | 79.0983% | 4,331 |
| Equity capital to assets | 11.9236% | 1,403 |
| Core capital (leverage) ratio | 10.6105% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,752,667 | 2,782 |
| Average earning assets | $225,710,333 | 2,788 |
| Average equity | $29,915,000 | 2,564 |
| Average total loans | $148,566,667 | 2,700 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 715 |
| Cost of funding earning assets | 0.4083% | 2,026 |
| Net interest margin | 4.1506% | 665 |
| Noninterest income to average assets | 1.3405% | 725 |
| Noninterest expense to average assets | 2.8492% | 1,258 |
| Loan and lease loss provision to assets | 0.1261% | 1,085 |
| Net operating income to assets | 2.1767% | 434 |
| Return on assets (ROA) | 2.1899% | 462 |
| Pretax return on assets | 2.2252% | 661 |
| Return on Equity (ROE) | 17.5750% | 770 |
| Retained earnings to average equity (ytd only) | 7.1812% | 2,516 |
| Net charge-offs to loans | -0.0081% | 3,582 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9287% | 3,677 |
| Assets per employee ($millions) | 5.0200% | 3,631 |
| Cash dividends to net income (ytd only)* | 59.1398% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,600 |
| Loan loss allowance to noncurrent loans | 258.2524% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 2,828 |
| Noncurrent loans to loans | 0.4117% | 2,626 |
| Net loans and leases to total assets | 60.3728% | 2,492 |
| Net loans and leases to deposits | 76.0928% | 1,898 |
| Net loans and leases to core deposits | 77.0830% | 2,260 |
| Total domestic deposits to total assets | 79.3410% | 4,291 |
| Equity capital to assets | 11.9937% | 1,288 |
| Core capital (leverage) ratio | 10.8286% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,819,000 | 2,813 |
| Average earning assets | $220,400,500 | 2,817 |
| Average equity | $29,633,000 | 2,574 |
| Average total loans | $148,749,500 | 2,707 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 1,754 |
| Cost of funding earning assets | 0.5303% | 2,748 |
| Net interest margin | 3.8064% | 1,482 |
| Noninterest income to average assets | 1.9586% | 343 |
| Noninterest expense to average assets | 3.1022% | 1,225 |
| Loan and lease loss provision to assets | 0.3345% | 1,055 |
| Net operating income to assets | 2.0148% | 258 |
| Return on assets (ROA) | 2.0190% | 269 |
| Pretax return on assets | 2.0358% | 425 |
| Return on Equity (ROE) | 15.5986% | 552 |
| Retained earnings to average equity (ytd only) | 8.9651% | 777 |
| Net charge-offs to loans | 0.1542% | 1,057 |
| Credit loss provision to net charge-offs | 331.0185% | 1,637 |
| Earnings coverage of net charge-offs (x) | 23.4120% | 1,802 |
| Efficiency ratio | 56.7297% | 3,892 |
| Assets per employee ($millions) | 4.6869% | 3,728 |
| Cash dividends to net income (ytd only)* | 42.5261% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,757 |
| Loan loss allowance to noncurrent loans | 217.7905% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 2,579 |
| Noncurrent loans to loans | 0.4729% | 2,552 |
| Net loans and leases to total assets | 63.5205% | 2,429 |
| Net loans and leases to deposits | 82.0616% | 1,657 |
| Net loans and leases to core deposits | 83.2335% | 2,104 |
| Total domestic deposits to total assets | 77.4060% | 4,375 |
| Equity capital to assets | 12.9601% | 1,102 |
| Core capital (leverage) ratio | 11.1013% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,722,200 | 2,837 |
| Average earning assets | $197,064,600 | 2,854 |
| Average equity | $27,662,800 | 2,626 |
| Average total loans | $140,068,000 | 2,753 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,605 |
| Cost of funding earning assets | 0.5589% | 2,873 |
| Net interest margin | 3.9276% | 1,286 |
| Noninterest income to average assets | 1.8372% | 359 |
| Noninterest expense to average assets | 3.0990% | 1,241 |
| Loan and lease loss provision to assets | 0.3276% | 1,190 |
| Net operating income to assets | 2.0120% | 287 |
| Return on assets (ROA) | 2.0152% | 315 |
| Pretax return on assets | 2.0323% | 486 |
| Return on Equity (ROE) | 15.5746% | 604 |
| Retained earnings to average equity (ytd only) | 8.5243% | 1,135 |
| Net charge-offs to loans | 0.0521% | 1,858 |
| Credit loss provision to net charge-offs | 953.7037% | 857 |
| Earnings coverage of net charge-offs (x) | 68.6481% | 1,011 |
| Efficiency ratio | 56.8049% | 3,818 |
| Assets per employee ($millions) | 4.7021% | 3,595 |
| Cash dividends to net income (ytd only)* | 45.2681% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 3,761 |
| Loan loss allowance to noncurrent loans | 224.5827% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 2,992 |
| Noncurrent loans to loans | 0.4388% | 2,738 |
| Net loans and leases to total assets | 65.8789% | 2,535 |
| Net loans and leases to deposits | 84.4446% | 1,862 |
| Net loans and leases to core deposits | 85.2908% | 2,362 |
| Total domestic deposits to total assets | 78.0144% | 4,202 |
| Equity capital to assets | 12.8289% | 1,258 |
| Core capital (leverage) ratio | 10.9540% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,738,250 | 2,849 |
| Average earning assets | $193,224,000 | 2,868 |
| Average equity | $27,137,500 | 2,657 |
| Average total loans | $138,235,500 | 2,775 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,465 |
| Cost of funding earning assets | 0.5971% | 2,980 |
| Net interest margin | 4.0772% | 1,165 |
| Noninterest income to average assets | 1.6153% | 399 |
| Noninterest expense to average assets | 3.1181% | 1,316 |
| Loan and lease loss provision to assets | 0.3082% | 1,399 |
| Net operating income to assets | 1.9392% | 379 |
| Return on assets (ROA) | 1.9441% | 416 |
| Pretax return on assets | 1.9617% | 592 |
| Return on Equity (ROE) | 14.9783% | 710 |
| Retained earnings to average equity (ytd only) | 8.6840% | 1,108 |
| Net charge-offs to loans | 0.0134% | 2,486 |
| Credit loss provision to net charge-offs | 3,500.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 257.2222% | 363 |
| Efficiency ratio | 57.9244% | 3,701 |
| Assets per employee ($millions) | 4.6573% | 3,590 |
| Cash dividends to net income (ytd only)* | 42.0232% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,892 |
| Loan loss allowance to noncurrent loans | 205.5814% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 3,168 |
| Noncurrent loans to loans | 0.4508% | 2,799 |
| Net loans and leases to total assets | 63.4080% | 2,949 |
| Net loans and leases to deposits | 80.9309% | 2,323 |
| Net loans and leases to core deposits | 81.6173% | 2,807 |
| Total domestic deposits to total assets | 78.3484% | 4,139 |
| Equity capital to assets | 12.6424% | 1,317 |
| Core capital (leverage) ratio | 11.4466% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,417,000 | 2,869 |
| Average earning assets | $188,902,333 | 2,880 |
| Average equity | $26,531,667 | 2,681 |
| Average total loans | $134,257,333 | 2,813 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 2,051 |
| Cost of funding earning assets | 0.6788% | 3,019 |
| Net interest margin | 3.9029% | 1,664 |
| Noninterest income to average assets | 0.9566% | 941 |
| Noninterest expense to average assets | 3.1244% | 1,578 |
| Loan and lease loss provision to assets | 0.1334% | 2,060 |
| Net operating income to assets | 1.2687% | 1,331 |
| Return on assets (ROA) | 1.2687% | 1,427 |
| Pretax return on assets | 1.2871% | 1,905 |
| Return on Equity (ROE) | 9.6312% | 1,866 |
| Retained earnings to average equity (ytd only) | 2.8520% | 3,142 |
| Net charge-offs to loans | 0.0216% | 1,936 |
| Credit loss provision to net charge-offs | 928.5714% | 615 |
| Earnings coverage of net charge-offs (x) | 98.8571% | 585 |
| Efficiency ratio | 68.7444% | 2,549 |
| Assets per employee ($millions) | 4.1674% | 3,699 |
| Cash dividends to net income (ytd only)* | 70.3883% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 4,407 |
| Loan loss allowance to noncurrent loans | 191.2966% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,215 |
| Noncurrent loans to loans | 0.4195% | 2,989 |
| Net loans and leases to total assets | 67.9652% | 2,542 |
| Net loans and leases to deposits | 87.1440% | 1,848 |
| Net loans and leases to core deposits | 87.8027% | 2,539 |
| Total domestic deposits to total assets | 77.9918% | 4,223 |
| Equity capital to assets | 12.8587% | 1,520 |
| Core capital (leverage) ratio | 11.8013% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,851,000 | 2,910 |
| Average earning assets | $179,151,000 | 2,929 |
| Average equity | $25,666,500 | 2,736 |
| Average total loans | $129,849,000 | 2,835 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 2,544 |
| Cost of funding earning assets | 0.7526% | 2,901 |
| Net interest margin | 3.8692% | 2,275 |
| Noninterest income to average assets | 1.1296% | 736 |
| Noninterest expense to average assets | 3.0976% | 1,765 |
| Loan and lease loss provision to assets | 0.1946% | 1,049 |
| Net operating income to assets | 1.3932% | 1,362 |
| Return on assets (ROA) | 1.3989% | 1,418 |
| Pretax return on assets | 1.4175% | 2,092 |
| Return on Equity (ROE) | 10.5380% | 2,069 |
| Retained earnings to average equity (ytd only) | 3.6977% | 3,146 |
| Net charge-offs to loans | 0.0894% | 1,842 |
| Credit loss provision to net charge-offs | 334.8214% | 827 |
| Earnings coverage of net charge-offs (x) | 27.6429% | 1,655 |
| Efficiency ratio | 65.8504% | 2,797 |
| Assets per employee ($millions) | 4.2138% | 3,619 |
| Cash dividends to net income (ytd only)* | 64.9110% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,270 |
| Loan loss allowance to noncurrent loans | 203.3932% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 3,310 |
| Noncurrent loans to loans | 0.3992% | 3,010 |
| Net loans and leases to total assets | 64.2199% | 3,170 |
| Net loans and leases to deposits | 80.9652% | 2,665 |
| Net loans and leases to core deposits | 81.5717% | 3,168 |
| Total domestic deposits to total assets | 79.3179% | 4,119 |
| Equity capital to assets | 13.4894% | 1,280 |
| Core capital (leverage) ratio | 11.6502% | 2,001 |
| Tier 1 risk-based capital ratio | 15.5841% | 2,548 |
| Total risk-based capital ratio | 16.2915% | 2,701 |
| Memoranda: | ||
| Average total assets | $192,729,000 | 2,897 |
| Average earning assets | $178,048,200 | 2,903 |
| Average equity | $25,583,600 | 2,673 |
| Average total loans | $125,348,800 | 2,874 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 2,717 |
| Cost of funding earning assets | 0.7534% | 2,953 |
| Net interest margin | 3.8474% | 2,449 |
| Noninterest income to average assets | 1.0787% | 791 |
| Noninterest expense to average assets | 2.9610% | 2,081 |
| Loan and lease loss provision to assets | 0.1524% | 1,235 |
| Net operating income to assets | 1.5048% | 1,175 |
| Return on assets (ROA) | 1.5110% | 1,218 |
| Pretax return on assets | 1.5304% | 1,870 |
| Return on Equity (ROE) | 11.4293% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.9269% | 2,407 |
| Net charge-offs to loans | 0.0681% | 1,851 |
| Credit loss provision to net charge-offs | 343.7500% | 872 |
| Earnings coverage of net charge-offs (x) | 37.8131% | 1,419 |
| Efficiency ratio | 63.8482% | 3,035 |
| Assets per employee ($millions) | 4.6080% | 3,042 |
| Cash dividends to net income (ytd only)* | 48.1432% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 4,626 |
| Loan loss allowance to noncurrent loans | 100.4405% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 2,589 |
| Noncurrent loans to loans | 0.7097% | 2,186 |
| Net loans and leases to total assets | 64.1138% | 3,273 |
| Net loans and leases to deposits | 80.9122% | 2,810 |
| Net loans and leases to core deposits | 81.9319% | 3,251 |
| Total domestic deposits to total assets | 79.2387% | 4,135 |
| Equity capital to assets | 13.3479% | 1,433 |
| Core capital (leverage) ratio | 11.7683% | 2,033 |
| Tier 1 risk-based capital ratio | 14.9960% | 2,850 |
| Total risk-based capital ratio | 15.6002% | 3,060 |
| Memoranda: | ||
| Average total assets | $192,452,750 | 2,926 |
| Average earning assets | $178,021,500 | 2,931 |
| Average equity | $25,442,750 | 2,695 |
| Average total loans | $125,311,250 | 2,907 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 2,783 |
| Cost of funding earning assets | 0.7492% | 2,897 |
| Net interest margin | 3.8165% | 2,532 |
| Noninterest income to average assets | 0.9226% | 1,029 |
| Noninterest expense to average assets | 2.9608% | 2,106 |
| Loan and lease loss provision to assets | 0.1784% | 1,007 |
| Net operating income to assets | 1.2931% | 1,803 |
| Return on assets (ROA) | 1.3004% | 1,833 |
| Pretax return on assets | 1.3193% | 2,480 |
| Return on Equity (ROE) | 9.8695% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.6918% | 2,927 |
| Net charge-offs to loans | 0.0563% | 1,838 |
| Credit loss provision to net charge-offs | 485.7143% | 616 |
| Earnings coverage of net charge-offs (x) | 40.5714% | 1,235 |
| Efficiency ratio | 66.5173% | 2,749 |
| Assets per employee ($millions) | 4.0956% | 3,737 |
| Cash dividends to net income (ytd only)* | 52.4617% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,720 |
| Loan loss allowance to noncurrent loans | 172.0077% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,208 |
| Noncurrent loans to loans | 0.4062% | 3,080 |
| Net loans and leases to total assets | 65.7818% | 3,136 |
| Net loans and leases to deposits | 84.4047% | 2,447 |
| Net loans and leases to core deposits | 85.5175% | 2,996 |
| Total domestic deposits to total assets | 77.9361% | 4,409 |
| Equity capital to assets | 13.4053% | 1,375 |
| Core capital (leverage) ratio | 11.7597% | 1,978 |
| Tier 1 risk-based capital ratio | 14.7044% | 2,960 |
| Total risk-based capital ratio | 15.2974% | 3,211 |
| Memoranda: | ||
| Average total assets | $190,556,000 | 2,955 |
| Average earning assets | $176,184,670 | 2,957 |
| Average equity | $25,107,670 | 2,712 |
| Average total loans | $124,432,000 | 2,933 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 2,870 |
| Cost of funding earning assets | 0.7327% | 2,870 |
| Net interest margin | 3.7660% | 2,648 |
| Noninterest income to average assets | 0.9980% | 813 |
| Noninterest expense to average assets | 2.8208% | 2,497 |
| Loan and lease loss provision to assets | 0.3165% | 395 |
| Net operating income to assets | 1.3208% | 1,623 |
| Return on assets (ROA) | 1.3208% | 1,667 |
| Pretax return on assets | 1.3419% | 2,281 |
| Return on Equity (ROE) | 10.1133% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.2667% | 2,790 |
| Net charge-offs to loans | 0.0846% | 1,254 |
| Credit loss provision to net charge-offs | 576.9231% | 557 |
| Earnings coverage of net charge-offs (x) | 30.2308% | 1,328 |
| Efficiency ratio | 62.9769% | 3,385 |
| Assets per employee ($millions) | 4.3582% | 3,405 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 4,785 |
| Loan loss allowance to noncurrent loans | 125.1778% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,133 |
| Noncurrent loans to loans | 0.5573% | 2,654 |
| Net loans and leases to total assets | 65.3179% | 3,131 |
| Net loans and leases to deposits | 85.1947% | 2,226 |
| Net loans and leases to core deposits | 87.1806% | 2,766 |
| Total domestic deposits to total assets | 76.6690% | 4,686 |
| Equity capital to assets | 13.1168% | 1,387 |
| Core capital (leverage) ratio | 11.7216% | 1,962 |
| Tier 1 risk-based capital ratio | 13.8831% | 3,402 |
| Total risk-based capital ratio | 14.4428% | 3,685 |
| Memoranda: | ||
| Average total assets | $189,588,500 | 2,999 |
| Average earning assets | $175,251,000 | 2,998 |
| Average equity | $24,759,500 | 2,738 |
| Average total loans | $122,890,500 | 2,987 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 2,608 |
| Cost of funding earning assets | 0.4738% | 3,522 |
| Net interest margin | 3.9758% | 2,075 |
| Noninterest income to average assets | 1.0733% | 812 |
| Noninterest expense to average assets | 3.1295% | 1,728 |
| Loan and lease loss provision to assets | 0.1272% | 1,724 |
| Net operating income to assets | 1.4879% | 1,152 |
| Return on assets (ROA) | 1.4879% | 1,139 |
| Pretax return on assets | 1.5082% | 1,757 |
| Return on Equity (ROE) | 10.9622% | 2,094 |
| Retained earnings to average equity (ytd only) | 3.4416% | 3,691 |
| Net charge-offs to loans | 0.2008% | 953 |
| Credit loss provision to net charge-offs | 101.3514% | 2,484 |
| Earnings coverage of net charge-offs (x) | 13.0270% | 2,488 |
| Efficiency ratio | 65.6777% | 2,916 |
| Assets per employee ($millions) | 4.1648% | 3,663 |
| Cash dividends to net income (ytd only)* | 68.6051% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 4,925 |
| Loan loss allowance to noncurrent loans | 150.8982% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,511 |
| Noncurrent loans to loans | 0.4187% | 3,036 |
| Net loans and leases to total assets | 63.4368% | 3,411 |
| Net loans and leases to deposits | 80.9409% | 2,858 |
| Net loans and leases to core deposits | 81.9174% | 3,269 |
| Total domestic deposits to total assets | 78.3742% | 4,428 |
| Equity capital to assets | 13.0011% | 1,344 |
| Core capital (leverage) ratio | 12.0417% | 1,710 |
| Tier 1 risk-based capital ratio | 15.0810% | 2,794 |
| Total risk-based capital ratio | 15.6112% | 3,050 |
| Memoranda: | ||
| Average total assets | $176,831,000 | 3,088 |
| Average earning assets | $164,193,200 | 3,093 |
| Average equity | $24,000,600 | 2,730 |
| Average total loans | $110,564,200 | 3,120 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 2,456 |
| Cost of funding earning assets | 0.4282% | 3,675 |
| Net interest margin | 4.0234% | 1,884 |
| Noninterest income to average assets | 1.0632% | 839 |
| Noninterest expense to average assets | 3.0756% | 1,827 |
| Loan and lease loss provision to assets | 0.1340% | 1,499 |
| Net operating income to assets | 1.5722% | 1,020 |
| Return on assets (ROA) | 1.5722% | 1,023 |
| Pretax return on assets | 1.5937% | 1,599 |
| Return on Equity (ROE) | 11.4541% | 1,997 |
| Retained earnings to average equity (ytd only) | 4.7902% | 3,352 |
| Net charge-offs to loans | 0.1527% | 1,078 |
| Credit loss provision to net charge-offs | 141.1290% | 1,794 |
| Earnings coverage of net charge-offs (x) | 18.2015% | 2,062 |
| Efficiency ratio | 64.0319% | 3,181 |
| Assets per employee ($millions) | 3.9498% | 3,966 |
| Cash dividends to net income (ytd only)* | 58.1790% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,876 |
| Loan loss allowance to noncurrent loans | 151.4124% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 3,501 |
| Noncurrent loans to loans | 0.4625% | 2,997 |
| Net loans and leases to total assets | 64.1407% | 3,406 |
| Net loans and leases to deposits | 79.6603% | 3,074 |
| Net loans and leases to core deposits | 83.3797% | 3,205 |
| Total domestic deposits to total assets | 80.5178% | 3,989 |
| Equity capital to assets | 13.5500% | 1,120 |
| Core capital (leverage) ratio | 11.5901% | 2,100 |
| Tier 1 risk-based capital ratio | 14.8259% | 2,956 |
| Total risk-based capital ratio | 15.4145% | 3,205 |
| Memoranda: | ||
| Average total assets | $174,185,000 | 3,144 |
| Average earning assets | $161,916,750 | 3,144 |
| Average equity | $23,909,250 | 2,746 |
| Average total loans | $108,293,750 | 3,187 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,509 |
| Cost of funding earning assets | 0.3950% | 3,760 |
| Net interest margin | 3.9755% | 1,940 |
| Noninterest income to average assets | 0.9780% | 996 |
| Noninterest expense to average assets | 3.0971% | 1,791 |
| Loan and lease loss provision to assets | 0.1734% | 1,057 |
| Net operating income to assets | 1.3977% | 1,453 |
| Return on assets (ROA) | 1.3977% | 1,453 |
| Pretax return on assets | 1.4197% | 2,088 |
| Return on Equity (ROE) | 10.1379% | 2,506 |
| Retained earnings to average equity (ytd only) | 3.4716% | 3,848 |
| Net charge-offs to loans | 0.1960% | 801 |
| Credit loss provision to net charge-offs | 144.2308% | 1,614 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 2,157 |
| Efficiency ratio | 66.0340% | 2,972 |
| Assets per employee ($millions) | 3.8444% | 4,138 |
| Cash dividends to net income (ytd only)* | 65.7568% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 4,886 |
| Loan loss allowance to noncurrent loans | 78.3333% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,354 |
| Noncurrent loans to loans | 0.9218% | 1,881 |
| Net loans and leases to total assets | 62.1230% | 3,585 |
| Net loans and leases to deposits | 75.3284% | 3,408 |
| Net loans and leases to core deposits | 76.5045% | 3,701 |
| Total domestic deposits to total assets | 82.4696% | 3,573 |
| Equity capital to assets | 13.4799% | 1,110 |
| Core capital (leverage) ratio | 12.4054% | 1,485 |
| Tier 1 risk-based capital ratio | 16.0138% | 2,432 |
| Total risk-based capital ratio | 16.6205% | 2,630 |
| Memoranda: | ||
| Average total assets | $172,999,330 | 3,180 |
| Average earning assets | $161,538,330 | 3,169 |
| Average equity | $23,851,000 | 2,766 |
| Average total loans | $106,122,000 | 3,237 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,748 |
| Cost of funding earning assets | 0.3762% | 3,766 |
| Net interest margin | 3.8621% | 2,187 |
| Noninterest income to average assets | 0.9960% | 919 |
| Noninterest expense to average assets | 2.9086% | 2,334 |
| Loan and lease loss provision to assets | 0.0468% | 2,834 |
| Net operating income to assets | 1.6414% | 777 |
| Return on assets (ROA) | 1.6414% | 780 |
| Pretax return on assets | 1.6647% | 1,208 |
| Return on Equity (ROE) | 11.7699% | 1,660 |
| Retained earnings to average equity (ytd only) | 4.7281% | 3,298 |
| Net charge-offs to loans | 0.0231% | 2,042 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 518 |
| Efficiency ratio | 62.9555% | 3,642 |
| Assets per employee ($millions) | 3.9931% | 3,992 |
| Cash dividends to net income (ytd only)* | 59.8291% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,903 |
| Loan loss allowance to noncurrent loans | 68.9748% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 2,374 |
| Noncurrent loans to loans | 1.0957% | 1,671 |
| Net loans and leases to total assets | 58.6588% | 3,882 |
| Net loans and leases to deposits | 70.6299% | 3,733 |
| Net loans and leases to core deposits | 71.5476% | 4,004 |
| Total domestic deposits to total assets | 83.0510% | 3,651 |
| Equity capital to assets | 13.8646% | 930 |
| Core capital (leverage) ratio | 12.5114% | 1,384 |
| Tier 1 risk-based capital ratio | 18.0706% | 1,820 |
| Total risk-based capital ratio | 18.7319% | 1,937 |
| Memoranda: | ||
| Average total assets | $171,078,500 | 3,239 |
| Average earning assets | $160,532,500 | 3,214 |
| Average equity | $23,857,500 | 2,789 |
| Average total loans | $103,854,000 | 3,290 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,328 |
| Cost of funding earning assets | 0.3708% | 3,510 |
| Net interest margin | 3.9301% | 1,990 |
| Noninterest income to average assets | 0.8580% | 1,386 |
| Noninterest expense to average assets | 2.8338% | 2,670 |
| Loan and lease loss provision to assets | 0.1355% | 1,698 |
| Net operating income to assets | 1.5510% | 721 |
| Return on assets (ROA) | 1.5539% | 726 |
| Pretax return on assets | 1.5769% | 1,359 |
| Return on Equity (ROE) | 10.9878% | 1,492 |
| Retained earnings to average equity (ytd only) | 2.2792% | 3,953 |
| Net charge-offs to loans | 0.2419% | 1,073 |
| Credit loss provision to net charge-offs | 92.3695% | 2,740 |
| Earnings coverage of net charge-offs (x) | 11.6506% | 2,544 |
| Efficiency ratio | 62.3735% | 3,884 |
| Assets per employee ($millions) | 3.8740% | 4,153 |
| Cash dividends to net income (ytd only)* | 79.2567% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 5,050 |
| Loan loss allowance to noncurrent loans | 73.8235% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 2,544 |
| Noncurrent loans to loans | 0.9603% | 1,845 |
| Net loans and leases to total assets | 61.8753% | 3,641 |
| Net loans and leases to deposits | 74.0513% | 3,520 |
| Net loans and leases to core deposits | 75.4158% | 3,784 |
| Total domestic deposits to total assets | 83.5574% | 3,372 |
| Equity capital to assets | 14.0267% | 900 |
| Core capital (leverage) ratio | 12.3988% | 1,401 |
| Tier 1 risk-based capital ratio | 17.0241% | 2,083 |
| Total risk-based capital ratio | 17.6441% | 2,236 |
| Memoranda: | ||
| Average total assets | $169,699,000 | 3,249 |
| Average earning assets | $159,130,600 | 3,211 |
| Average equity | $23,999,400 | 2,758 |
| Average total loans | $102,922,600 | 3,299 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,309 |
| Cost of funding earning assets | 0.3684% | 3,479 |
| Net interest margin | 3.9190% | 1,972 |
| Noninterest income to average assets | 0.7622% | 1,727 |
| Noninterest expense to average assets | 2.7679% | 2,835 |
| Loan and lease loss provision to assets | 0.1062% | 1,994 |
| Net operating income to assets | 1.5379% | 821 |
| Return on assets (ROA) | 1.5456% | 831 |
| Pretax return on assets | 1.5692% | 1,519 |
| Return on Equity (ROE) | 10.9064% | 1,738 |
| Retained earnings to average equity (ytd only) | 2.8917% | 4,179 |
| Net charge-offs to loans | 0.2769% | 779 |
| Credit loss provision to net charge-offs | 63.6792% | 2,763 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,641 |
| Efficiency ratio | 62.4047% | 3,824 |
| Assets per employee ($millions) | 3.9118% | 4,133 |
| Cash dividends to net income (ytd only)* | 73.4863% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 5,164 |
| Loan loss allowance to noncurrent loans | 138.1710% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,864 |
| Noncurrent loans to loans | 0.4964% | 3,207 |
| Net loans and leases to total assets | 59.8277% | 3,885 |
| Net loans and leases to deposits | 72.1460% | 3,754 |
| Net loans and leases to core deposits | 73.5002% | 4,022 |
| Total domestic deposits to total assets | 82.9259% | 3,479 |
| Equity capital to assets | 14.5160% | 852 |
| Core capital (leverage) ratio | 12.2904% | 1,518 |
| Tier 1 risk-based capital ratio | 17.2234% | 2,086 |
| Total risk-based capital ratio | 17.8106% | 2,260 |
| Memoranda: | ||
| Average total assets | $169,510,250 | 3,281 |
| Average earning assets | $158,879,000 | 3,240 |
| Average equity | $24,022,000 | 2,779 |
| Average total loans | $102,097,750 | 3,346 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 2,287 |
| Cost of funding earning assets | 0.3623% | 3,456 |
| Net interest margin | 3.8880% | 1,977 |
| Noninterest income to average assets | 0.7238% | 1,891 |
| Noninterest expense to average assets | 2.7774% | 2,837 |
| Loan and lease loss provision to assets | 0.0647% | 2,675 |
| Net operating income to assets | 1.5065% | 852 |
| Return on assets (ROA) | 1.5146% | 862 |
| Pretax return on assets | 1.5393% | 1,530 |
| Return on Equity (ROE) | 10.7742% | 1,725 |
| Retained earnings to average equity (ytd only) | 2.0678% | 4,427 |
| Net charge-offs to loans | 0.3048% | 664 |
| Credit loss provision to net charge-offs | 35.2564% | 2,683 |
| Earnings coverage of net charge-offs (x) | 8.6923% | 2,491 |
| Efficiency ratio | 63.5091% | 3,759 |
| Assets per employee ($millions) | 3.9434% | 4,056 |
| Cash dividends to net income (ytd only)* | 80.8081% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6721% | 5,261 |
| Loan loss allowance to noncurrent loans | 191.1681% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,347 |
| Noncurrent loans to loans | 0.3516% | 3,772 |
| Net loans and leases to total assets | 58.4831% | 3,978 |
| Net loans and leases to deposits | 70.0205% | 3,914 |
| Net loans and leases to core deposits | 71.1856% | 4,142 |
| Total domestic deposits to total assets | 83.5227% | 3,393 |
| Equity capital to assets | 14.3147% | 876 |
| Core capital (leverage) ratio | 12.3147% | 1,467 |
| Tier 1 risk-based capital ratio | 17.4563% | 2,023 |
| Total risk-based capital ratio | 18.0375% | 2,169 |
| Memoranda: | ||
| Average total assets | $169,944,330 | 3,280 |
| Average earning assets | $159,515,000 | 3,251 |
| Average equity | $23,890,330 | 2,794 |
| Average total loans | $102,353,670 | 3,354 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 2,169 |
| Cost of funding earning assets | 0.3610% | 3,403 |
| Net interest margin | 3.8684% | 1,894 |
| Noninterest income to average assets | 0.7171% | 1,882 |
| Noninterest expense to average assets | 2.6920% | 3,172 |
| Loan and lease loss provision to assets | 0.1058% | 1,805 |
| Net operating income to assets | 1.5191% | 782 |
| Return on assets (ROA) | 1.5353% | 784 |
| Pretax return on assets | 1.5635% | 1,327 |
| Return on Equity (ROE) | 11.0216% | 1,560 |
| Retained earnings to average equity (ytd only) | 1.0633% | 4,629 |
| Net charge-offs to loans | 0.5559% | 319 |
| Credit loss provision to net charge-offs | 31.2500% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.8819% | 2,338 |
| Efficiency ratio | 61.9589% | 4,153 |
| Assets per employee ($millions) | 4.1528% | 3,752 |
| Cash dividends to net income (ytd only)* | 90.3522% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 5,371 |
| Loan loss allowance to noncurrent loans | 205.8104% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 4,412 |
| Noncurrent loans to loans | 0.3244% | 3,961 |
| Net loans and leases to total assets | 58.8034% | 3,907 |
| Net loans and leases to deposits | 70.0911% | 3,786 |
| Net loans and leases to core deposits | 71.2458% | 4,052 |
| Total domestic deposits to total assets | 83.8956% | 3,518 |
| Equity capital to assets | 13.9889% | 904 |
| Core capital (leverage) ratio | 12.1007% | 1,561 |
| Tier 1 risk-based capital ratio | 17.4202% | 2,057 |
| Total risk-based capital ratio | 18.0007% | 2,232 |
| Memoranda: | ||
| Average total assets | $170,133,000 | 3,311 |
| Average earning assets | $159,547,500 | 3,276 |
| Average equity | $23,699,000 | 2,824 |
| Average total loans | $103,611,000 | 3,351 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,574 |
| Cost of funding earning assets | 0.3640% | 3,377 |
| Net interest margin | 3.8080% | 2,294 |
| Noninterest income to average assets | 0.9114% | 1,372 |
| Noninterest expense to average assets | 2.9879% | 2,386 |
| Loan and lease loss provision to assets | 0.0463% | 3,464 |
| Net operating income to assets | 1.4347% | 947 |
| Return on assets (ROA) | 1.4393% | 960 |
| Pretax return on assets | 1.4572% | 1,729 |
| Return on Equity (ROE) | 10.3008% | 1,845 |
| Retained earnings to average equity (ytd only) | 0.6580% | 5,062 |
| Net charge-offs to loans | 0.1812% | 1,530 |
| Credit loss provision to net charge-offs | 41.6667% | 3,485 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,365 |
| Efficiency ratio | 66.5936% | 3,497 |
| Assets per employee ($millions) | 4.0477% | 3,878 |
| Cash dividends to net income (ytd only)* | 93.6119% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 5,305 |
| Loan loss allowance to noncurrent loans | 198.4576% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 4,352 |
| Noncurrent loans to loans | 0.3655% | 3,813 |
| Net loans and leases to total assets | 62.1499% | 3,596 |
| Net loans and leases to deposits | 74.1794% | 3,491 |
| Net loans and leases to core deposits | 75.3878% | 3,805 |
| Total domestic deposits to total assets | 83.7831% | 3,509 |
| Equity capital to assets | 13.8704% | 932 |
| Core capital (leverage) ratio | 12.1151% | 1,523 |
| Tier 1 risk-based capital ratio | 16.3201% | 2,420 |
| Total risk-based capital ratio | 16.9460% | 2,598 |
| Memoranda: | ||
| Average total assets | $172,930,200 | 3,248 |
| Average earning assets | $162,367,400 | 3,204 |
| Average equity | $24,163,200 | 2,785 |
| Average total loans | $105,973,000 | 3,273 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 2,745 |
| Cost of funding earning assets | 0.3596% | 3,438 |
| Net interest margin | 3.7745% | 2,433 |
| Noninterest income to average assets | 0.7363% | 2,016 |
| Noninterest expense to average assets | 3.0296% | 2,232 |
| Loan and lease loss provision to assets | 0.0154% | 3,938 |
| Net operating income to assets | 1.2199% | 1,562 |
| Return on assets (ROA) | 1.2184% | 1,675 |
| Pretax return on assets | 1.2353% | 2,681 |
| Return on Equity (ROE) | 8.7044% | 2,663 |
| Retained earnings to average equity (ytd only) | 0.9434% | 5,105 |
| Net charge-offs to loans | 0.1852% | 1,264 |
| Credit loss provision to net charge-offs | 13.6054% | 3,340 |
| Earnings coverage of net charge-offs (x) | 11.0949% | 2,527 |
| Efficiency ratio | 70.7549% | 2,784 |
| Assets per employee ($millions) | 3.9666% | 4,020 |
| Cash dividends to net income (ytd only)* | 89.1618% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 5,366 |
| Loan loss allowance to noncurrent loans | 134.9376% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,930 |
| Noncurrent loans to loans | 0.5404% | 3,374 |
| Net loans and leases to total assets | 60.4231% | 3,825 |
| Net loans and leases to deposits | 73.6753% | 3,625 |
| Net loans and leases to core deposits | 74.8955% | 3,932 |
| Total domestic deposits to total assets | 82.0126% | 3,931 |
| Equity capital to assets | 14.3858% | 906 |
| Core capital (leverage) ratio | 11.8971% | 1,744 |
| Tier 1 risk-based capital ratio | 16.2212% | 2,537 |
| Total risk-based capital ratio | 16.8392% | 2,730 |
| Memoranda: | ||
| Average total assets | $173,662,250 | 3,251 |
| Average earning assets | $163,127,500 | 3,202 |
| Average equity | $24,309,000 | 2,793 |
| Average total loans | $105,859,250 | 3,288 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 2,964 |
| Cost of funding earning assets | 0.3518% | 3,545 |
| Net interest margin | 3.7252% | 2,593 |
| Noninterest income to average assets | 0.7648% | 1,863 |
| Noninterest expense to average assets | 3.1026% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1506% | 1,773 |
| Return on assets (ROA) | 1.1483% | 1,897 |
| Pretax return on assets | 1.1632% | 2,932 |
| Return on Equity (ROE) | 8.2780% | 2,846 |
| Retained earnings to average equity (ytd only) | 0.4787% | 5,158 |
| Net charge-offs to loans | 0.2159% | 1,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8522% | 2,480 |
| Efficiency ratio | 72.6931% | 2,565 |
| Assets per employee ($millions) | 4.0489% | 3,817 |
| Cash dividends to net income (ytd only)* | 94.2173% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 5,415 |
| Loan loss allowance to noncurrent loans | 117.2256% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 3,780 |
| Noncurrent loans to loans | 0.6370% | 3,166 |
| Net loans and leases to total assets | 58.7121% | 4,049 |
| Net loans and leases to deposits | 70.4978% | 3,937 |
| Net loans and leases to core deposits | 71.6924% | 4,204 |
| Total domestic deposits to total assets | 83.2822% | 3,548 |
| Equity capital to assets | 14.0349% | 1,011 |
| Core capital (leverage) ratio | 11.7868% | 1,785 |
| Tier 1 risk-based capital ratio | 16.6270% | 2,383 |
| Total risk-based capital ratio | 17.2742% | 2,569 |
| Memoranda: | ||
| Average total assets | $174,695,000 | 3,255 |
| Average earning assets | $164,285,670 | 3,218 |
| Average equity | $24,233,000 | 2,810 |
| Average total loans | $106,540,000 | 3,296 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,800 |
| Cost of funding earning assets | 0.3482% | 3,617 |
| Net interest margin | 3.7665% | 2,416 |
| Noninterest income to average assets | 0.6423% | 2,306 |
| Noninterest expense to average assets | 3.0104% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1589% | 1,678 |
| Return on assets (ROA) | 1.1589% | 1,794 |
| Pretax return on assets | 1.1681% | 2,826 |
| Return on Equity (ROE) | 8.4038% | 2,701 |
| Retained earnings to average equity (ytd only) | -0.9614% | 5,277 |
| Net charge-offs to loans | 0.0886% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.2917% | 1,436 |
| Efficiency ratio | 72.0460% | 2,795 |
| Assets per employee ($millions) | 4.1068% | 3,750 |
| Cash dividends to net income (ytd only)* | 111.4398% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 5,342 |
| Loan loss allowance to noncurrent loans | 132.9212% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 3,960 |
| Noncurrent loans to loans | 0.6054% | 3,364 |
| Net loans and leases to total assets | 61.4624% | 3,600 |
| Net loans and leases to deposits | 75.3615% | 3,294 |
| Net loans and leases to core deposits | 76.6762% | 3,615 |
| Total domestic deposits to total assets | 81.5568% | 4,346 |
| Equity capital to assets | 14.0255% | 973 |
| Core capital (leverage) ratio | 11.7927% | 1,755 |
| Tier 1 risk-based capital ratio | 16.4932% | 2,480 |
| Total risk-based capital ratio | 17.2137% | 2,645 |
| Memoranda: | ||
| Average total assets | $174,991,500 | 3,264 |
| Average earning assets | $164,292,500 | 3,224 |
| Average equity | $24,132,000 | 2,821 |
| Average total loans | $108,316,000 | 3,268 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,058 |
| Cost of funding earning assets | 0.3818% | 3,347 |
| Net interest margin | 3.6815% | 2,822 |
| Noninterest income to average assets | 0.5470% | 3,028 |
| Noninterest expense to average assets | 2.7512% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2491% | 1,387 |
| Return on assets (ROA) | 1.2491% | 1,441 |
| Pretax return on assets | 1.2671% | 2,410 |
| Return on Equity (ROE) | 8.9254% | 2,487 |
| Retained earnings to average equity (ytd only) | 0.8396% | 5,188 |
| Net charge-offs to loans | 0.1082% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.0348% | 1,974 |
| Efficiency ratio | 68.3665% | 3,497 |
| Assets per employee ($millions) | 4.0340% | 3,871 |
| Cash dividends to net income (ytd only)* | 90.5931% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 5,394 |
| Loan loss allowance to noncurrent loans | 166.7925% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 4,298 |
| Noncurrent loans to loans | 0.4829% | 3,753 |
| Net loans and leases to total assets | 61.3385% | 3,644 |
| Net loans and leases to deposits | 75.6553% | 3,300 |
| Net loans and leases to core deposits | 76.5839% | 3,704 |
| Total domestic deposits to total assets | 81.0763% | 4,460 |
| Equity capital to assets | 13.5619% | 1,105 |
| Core capital (leverage) ratio | 11.8770% | 1,701 |
| Tier 1 risk-based capital ratio | 15.8191% | 2,775 |
| Total risk-based capital ratio | 16.5293% | 2,983 |
| Memoranda: | ||
| Average total assets | $172,762,800 | 3,265 |
| Average earning assets | $162,896,200 | 3,215 |
| Average equity | $24,178,200 | 2,768 |
| Average total loans | $106,323,400 | 3,274 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 3,045 |
| Cost of funding earning assets | 0.3873% | 3,364 |
| Net interest margin | 3.6866% | 2,823 |
| Noninterest income to average assets | 0.5401% | 3,102 |
| Noninterest expense to average assets | 2.6040% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3956% | 1,116 |
| Return on assets (ROA) | 1.3956% | 1,167 |
| Pretax return on assets | 1.4127% | 1,967 |
| Return on Equity (ROE) | 9.8931% | 2,144 |
| Retained earnings to average equity (ytd only) | 2.4017% | 4,676 |
| Net charge-offs to loans | 0.1340% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 17.1509% | 2,070 |
| Efficiency ratio | 64.6934% | 4,116 |
| Assets per employee ($millions) | 3.8869% | 4,108 |
| Cash dividends to net income (ytd only)* | 75.7238% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 5,332 |
| Loan loss allowance to noncurrent loans | 204.3478% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 4,652 |
| Noncurrent loans to loans | 0.4201% | 4,096 |
| Net loans and leases to total assets | 60.3007% | 3,837 |
| Net loans and leases to deposits | 72.3842% | 3,722 |
| Net loans and leases to core deposits | 74.4714% | 3,970 |
| Total domestic deposits to total assets | 83.3063% | 3,695 |
| Equity capital to assets | 14.2601% | 925 |
| Core capital (leverage) ratio | 11.9164% | 1,725 |
| Tier 1 risk-based capital ratio | 16.8228% | 2,429 |
| Total risk-based capital ratio | 17.5765% | 2,606 |
| Memoranda: | ||
| Average total assets | $171,579,250 | 3,305 |
| Average earning assets | $161,805,000 | 3,258 |
| Average equity | $24,204,750 | 2,785 |
| Average total loans | $105,464,750 | 3,315 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,135 |
| Cost of funding earning assets | 0.3813% | 3,473 |
| Net interest margin | 3.6563% | 2,888 |
| Noninterest income to average assets | 0.5030% | 3,352 |
| Noninterest expense to average assets | 2.6059% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3321% | 1,233 |
| Return on assets (ROA) | 1.3321% | 1,282 |
| Pretax return on assets | 1.3472% | 2,189 |
| Return on Equity (ROE) | 9.4766% | 2,309 |
| Retained earnings to average equity (ytd only) | 1.2757% | 5,043 |
| Net charge-offs to loans | 0.1699% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.8556% | 2,174 |
| Efficiency ratio | 65.7143% | 4,062 |
| Assets per employee ($millions) | 3.9005% | 4,075 |
| Cash dividends to net income (ytd only)* | 86.5385% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 5,417 |
| Loan loss allowance to noncurrent loans | 215.9145% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,779 |
| Noncurrent loans to loans | 0.4012% | 4,276 |
| Net loans and leases to total assets | 60.6168% | 3,739 |
| Net loans and leases to deposits | 73.9585% | 3,496 |
| Net loans and leases to core deposits | 75.0193% | 3,848 |
| Total domestic deposits to total assets | 81.9606% | 4,300 |
| Equity capital to assets | 13.9071% | 1,012 |
| Core capital (leverage) ratio | 11.8560% | 1,743 |
| Tier 1 risk-based capital ratio | 15.8793% | 2,914 |
| Total risk-based capital ratio | 16.6139% | 3,112 |
| Memoranda: | ||
| Average total assets | $171,764,670 | 3,317 |
| Average earning assets | $162,077,000 | 3,275 |
| Average equity | $24,143,670 | 2,794 |
| Average total loans | $105,946,000 | 3,325 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9984% | 3,234 |
| Cost of funding earning assets | 0.3848% | 3,469 |
| Net interest margin | 3.6136% | 2,949 |
| Noninterest income to average assets | 0.4842% | 3,395 |
| Noninterest expense to average assets | 2.5001% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3850% | 1,060 |
| Return on assets (ROA) | 1.3850% | 1,119 |
| Pretax return on assets | 1.3944% | 1,903 |
| Return on Equity (ROE) | 9.8017% | 2,095 |
| Retained earnings to average equity (ytd only) | 3.2947% | 4,007 |
| Net charge-offs to loans | 0.1916% | 1,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.7451% | 1,839 |
| Efficiency ratio | 63.8972% | 4,501 |
| Assets per employee ($millions) | 4.2782% | 3,417 |
| Cash dividends to net income (ytd only)* | 66.3866% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 5,438 |
| Loan loss allowance to noncurrent loans | 149.5268% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 4,188 |
| Noncurrent loans to loans | 0.6029% | 3,767 |
| Net loans and leases to total assets | 60.8918% | 3,540 |
| Net loans and leases to deposits | 74.3834% | 3,255 |
| Net loans and leases to core deposits | 75.4526% | 3,645 |
| Total domestic deposits to total assets | 81.8621% | 4,544 |
| Equity capital to assets | 14.3325% | 878 |
| Core capital (leverage) ratio | 11.7712% | 1,798 |
| Tier 1 risk-based capital ratio | 14.0027% | 4,014 |
| Total risk-based capital ratio | 14.6768% | 4,277 |
| Memoranda: | ||
| Average total assets | $171,835,000 | 3,331 |
| Average earning assets | $162,165,500 | 3,295 |
| Average equity | $24,281,500 | 2,801 |
| Average total loans | $106,448,000 | 3,332 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,358 |
| Cost of funding earning assets | 0.4163% | 3,519 |
| Net interest margin | 3.6745% | 3,107 |
| Noninterest income to average assets | 0.5000% | 3,512 |
| Noninterest expense to average assets | 2.6533% | 4,032 |
| Loan and lease loss provision to assets | 0.0115% | 4,394 |
| Net operating income to assets | 1.2309% | 1,492 |
| Return on assets (ROA) | 1.2685% | 1,428 |
| Pretax return on assets | 1.2909% | 2,275 |
| Return on Equity (ROE) | 9.5546% | 2,312 |
| Retained earnings to average equity (ytd only) | 3.3646% | 3,816 |
| Net charge-offs to loans | 0.0458% | 3,915 |
| Credit loss provision to net charge-offs | 41.6667% | 3,643 |
| Earnings coverage of net charge-offs (x) | 45.9792% | 988 |
| Efficiency ratio | 67.5000% | 3,983 |
| Assets per employee ($millions) | 4.3136% | 3,341 |
| Cash dividends to net income (ytd only)* | 64.7856% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 5,374 |
| Loan loss allowance to noncurrent loans | 142.7143% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 4,194 |
| Noncurrent loans to loans | 0.6497% | 3,738 |
| Net loans and leases to total assets | 61.8667% | 3,521 |
| Net loans and leases to deposits | 75.5783% | 3,249 |
| Net loans and leases to core deposits | 76.0624% | 3,703 |
| Total domestic deposits to total assets | 81.8578% | 4,471 |
| Equity capital to assets | 13.9305% | 980 |
| Core capital (leverage) ratio | 11.6500% | 1,864 |
| Tier 1 risk-based capital ratio | 16.4179% | 2,753 |
| Total risk-based capital ratio | 17.2595% | 2,900 |
| Memoranda: | ||
| Average total assets | $174,612,000 | 3,275 |
| Average earning assets | $162,389,000 | 3,248 |
| Average equity | $23,182,600 | 2,831 |
| Average total loans | $104,911,200 | 3,327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,400 |
| Cost of funding earning assets | 0.4203% | 3,571 |
| Net interest margin | 3.6747% | 3,129 |
| Noninterest income to average assets | 0.4735% | 3,724 |
| Noninterest expense to average assets | 2.6189% | 4,135 |
| Loan and lease loss provision to assets | 0.0152% | 4,107 |
| Net operating income to assets | 1.2174% | 1,619 |
| Return on assets (ROA) | 1.2181% | 1,676 |
| Pretax return on assets | 1.2417% | 2,605 |
| Return on Equity (ROE) | 9.2875% | 2,548 |
| Retained earnings to average equity (ytd only) | 3.1926% | 4,357 |
| Net charge-offs to loans | 0.0281% | 3,927 |
| Credit loss provision to net charge-offs | 90.9091% | 2,408 |
| Earnings coverage of net charge-offs (x) | 75.0068% | 738 |
| Efficiency ratio | 67.3477% | 3,978 |
| Assets per employee ($millions) | 4.0951% | 3,680 |
| Cash dividends to net income (ytd only)* | 65.6252% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 5,299 |
| Loan loss allowance to noncurrent loans | 137.0321% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 4,352 |
| Noncurrent loans to loans | 0.7143% | 3,823 |
| Net loans and leases to total assets | 60.2862% | 3,738 |
| Net loans and leases to deposits | 73.6243% | 3,479 |
| Net loans and leases to core deposits | 74.2586% | 3,917 |
| Total domestic deposits to total assets | 81.8836% | 4,519 |
| Equity capital to assets | 13.7668% | 1,086 |
| Core capital (leverage) ratio | 11.3225% | 2,195 |
| Tier 1 risk-based capital ratio | 16.3409% | 2,881 |
| Total risk-based capital ratio | 17.2108% | 3,024 |
| Memoranda: | ||
| Average total assets | $175,129,500 | 3,292 |
| Average earning assets | $162,113,500 | 3,281 |
| Average equity | $22,969,250 | 2,859 |
| Average total loans | $104,202,750 | 3,366 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,541 |
| Cost of funding earning assets | 0.4191% | 3,671 |
| Net interest margin | 3.6308% | 3,230 |
| Noninterest income to average assets | 0.4223% | 4,075 |
| Noninterest expense to average assets | 2.4237% | 4,812 |
| Loan and lease loss provision to assets | 0.0227% | 3,824 |
| Net operating income to assets | 1.3055% | 1,291 |
| Return on assets (ROA) | 1.3055% | 1,342 |
| Pretax return on assets | 1.3294% | 2,149 |
| Return on Equity (ROE) | 10.1175% | 2,099 |
| Retained earnings to average equity (ytd only) | 3.2552% | 4,131 |
| Net charge-offs to loans | 0.0404% | 3,426 |
| Credit loss provision to net charge-offs | 95.2381% | 2,092 |
| Earnings coverage of net charge-offs (x) | 56.7143% | 836 |
| Efficiency ratio | 63.9507% | 4,696 |
| Assets per employee ($millions) | 4.2116% | 3,435 |
| Cash dividends to net income (ytd only)* | 67.8261% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 5,332 |
| Loan loss allowance to noncurrent loans | 197.8805% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 4,924 |
| Noncurrent loans to loans | 0.5070% | 4,477 |
| Net loans and leases to total assets | 57.2936% | 4,081 |
| Net loans and leases to deposits | 69.5857% | 3,874 |
| Net loans and leases to core deposits | 70.8515% | 4,165 |
| Total domestic deposits to total assets | 82.3352% | 4,529 |
| Equity capital to assets | 13.2445% | 1,248 |
| Core capital (leverage) ratio | 11.1786% | 2,268 |
| Tier 1 risk-based capital ratio | 16.3674% | 2,892 |
| Total risk-based capital ratio | 17.2489% | 3,023 |
| Memoranda: | ||
| Average total assets | $176,175,000 | 3,296 |
| Average earning assets | $162,717,000 | 3,285 |
| Average equity | $22,733,000 | 2,878 |
| Average total loans | $104,032,670 | 3,376 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,570 |
| Cost of funding earning assets | 0.4184% | 3,779 |
| Net interest margin | 3.6112% | 3,208 |
| Noninterest income to average assets | 0.4414% | 3,856 |
| Noninterest expense to average assets | 2.4480% | 4,791 |
| Loan and lease loss provision to assets | 0.0455% | 3,191 |
| Net operating income to assets | 1.2786% | 1,270 |
| Return on assets (ROA) | 1.2786% | 1,320 |
| Pretax return on assets | 1.3059% | 2,069 |
| Return on Equity (ROE) | 10.0422% | 2,024 |
| Retained earnings to average equity (ytd only) | 3.3414% | 4,124 |
| Net charge-offs to loans | 0.0343% | 2,914 |
| Credit loss provision to net charge-offs | 222.2222% | 970 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 614 |
| Efficiency ratio | 64.1916% | 4,832 |
| Assets per employee ($millions) | 4.1340% | 3,654 |
| Cash dividends to net income (ytd only)* | 66.7260% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,420 |
| Loan loss allowance to noncurrent loans | 303.5088% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 5,382 |
| Noncurrent loans to loans | 0.3380% | 5,101 |
| Net loans and leases to total assets | 56.3292% | 4,102 |
| Net loans and leases to deposits | 67.7520% | 3,882 |
| Net loans and leases to core deposits | 68.9643% | 4,212 |
| Total domestic deposits to total assets | 83.1404% | 4,557 |
| Equity capital to assets | 12.7519% | 1,429 |
| Core capital (leverage) ratio | 10.9781% | 2,410 |
| Tier 1 risk-based capital ratio | 16.2814% | 3,019 |
| Total risk-based capital ratio | 17.1764% | 3,159 |
| Memoranda: | ||
| Average total assets | $175,818,000 | 3,322 |
| Average earning assets | $163,491,500 | 3,300 |
| Average equity | $22,385,500 | 2,902 |
| Average total loans | $104,862,500 | 3,371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,657 |
| Cost of funding earning assets | 0.4933% | 3,671 |
| Net interest margin | 3.6292% | 3,331 |
| Noninterest income to average assets | 0.4566% | 4,045 |
| Noninterest expense to average assets | 2.3627% | 5,195 |
| Loan and lease loss provision to assets | 0.1212% | 2,799 |
| Net operating income to assets | 1.2837% | 1,296 |
| Return on assets (ROA) | 1.3152% | 1,252 |
| Pretax return on assets | 1.3560% | 1,942 |
| Return on Equity (ROE) | 10.5282% | 1,916 |
| Retained earnings to average equity (ytd only) | 3.9370% | 3,403 |
| Net charge-offs to loans | 0.2707% | 2,344 |
| Credit loss provision to net charge-offs | 79.1367% | 3,069 |
| Earnings coverage of net charge-offs (x) | 9.4353% | 2,503 |
| Efficiency ratio | 61.0010% | 5,359 |
| Assets per employee ($millions) | 4.0436% | 3,773 |
| Cash dividends to net income (ytd only)* | 62.6047% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 5,773 |
| Loan loss allowance to noncurrent loans | 307.4850% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 5,371 |
| Noncurrent loans to loans | 0.3077% | 5,263 |
| Net loans and leases to total assets | 61.8425% | 3,390 |
| Net loans and leases to deposits | 75.6872% | 2,998 |
| Net loans and leases to core deposits | 76.5073% | 3,555 |
| Total domestic deposits to total assets | 81.7080% | 4,970 |
| Equity capital to assets | 12.7121% | 1,416 |
| Core capital (leverage) ratio | 10.6044% | 2,777 |
| Tier 1 risk-based capital ratio | 15.5663% | 3,332 |
| Total risk-based capital ratio | 16.4216% | 3,509 |
| Memoranda: | ||
| Average total assets | $181,569,000 | 3,260 |
| Average earning assets | $167,640,400 | 3,248 |
| Average equity | $22,682,000 | 2,862 |
| Average total loans | $102,680,200 | 3,385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 3,862 |
| Cost of funding earning assets | 0.4985% | 3,780 |
| Net interest margin | 3.5738% | 3,558 |
| Noninterest income to average assets | 0.4389% | 4,228 |
| Noninterest expense to average assets | 2.3078% | 5,314 |
| Loan and lease loss provision to assets | 0.1453% | 2,460 |
| Net operating income to assets | 1.2383% | 1,513 |
| Return on assets (ROA) | 1.2927% | 1,438 |
| Pretax return on assets | 1.3399% | 2,166 |
| Return on Equity (ROE) | 10.3911% | 2,039 |
| Retained earnings to average equity (ytd only) | 4.3749% | 3,562 |
| Net charge-offs to loans | 0.2200% | 2,501 |
| Credit loss provision to net charge-offs | 119.7605% | 1,972 |
| Earnings coverage of net charge-offs (x) | 11.7725% | 2,203 |
| Efficiency ratio | 60.6962% | 5,328 |
| Assets per employee ($millions) | 4.2050% | 3,413 |
| Cash dividends to net income (ytd only)* | 57.8978% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,604 |
| Loan loss allowance to noncurrent loans | 250.1119% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 5,454 |
| Noncurrent loans to loans | 0.4111% | 5,165 |
| Net loans and leases to total assets | 59.5190% | 3,774 |
| Net loans and leases to deposits | 74.8678% | 3,104 |
| Net loans and leases to core deposits | 75.6669% | 3,654 |
| Total domestic deposits to total assets | 79.4987% | 5,630 |
| Equity capital to assets | 12.1197% | 1,849 |
| Core capital (leverage) ratio | 10.4756% | 3,032 |
| Tier 1 risk-based capital ratio | 15.1323% | 3,667 |
| Total risk-based capital ratio | 16.0453% | 3,836 |
| Memoranda: | ||
| Average total assets | $183,492,750 | 3,265 |
| Average earning assets | $169,303,750 | 3,254 |
| Average equity | $22,826,750 | 2,871 |
| Average total loans | $101,211,500 | 3,448 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 4,030 |
| Cost of funding earning assets | 0.5095% | 3,808 |
| Net interest margin | 3.5113% | 3,735 |
| Noninterest income to average assets | 0.3970% | 4,549 |
| Noninterest expense to average assets | 2.2323% | 5,548 |
| Loan and lease loss provision to assets | 0.1627% | 2,294 |
| Net operating income to assets | 1.1707% | 1,666 |
| Return on assets (ROA) | 1.1769% | 1,759 |
| Pretax return on assets | 1.2376% | 2,531 |
| Return on Equity (ROE) | 9.3813% | 2,464 |
| Retained earnings to average equity (ytd only) | 3.6315% | 3,998 |
| Net charge-offs to loans | 0.3262% | 1,884 |
| Credit loss provision to net charge-offs | 93.1677% | 2,371 |
| Earnings coverage of net charge-offs (x) | 7.9814% | 2,470 |
| Efficiency ratio | 60.4547% | 5,407 |
| Assets per employee ($millions) | 4.4390% | 2,914 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 5,534 |
| Loan loss allowance to noncurrent loans | 200.7477% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 5,394 |
| Noncurrent loans to loans | 0.5354% | 4,924 |
| Net loans and leases to total assets | 54.3154% | 4,542 |
| Net loans and leases to deposits | 65.0676% | 4,366 |
| Net loans and leases to core deposits | 65.7235% | 4,718 |
| Total domestic deposits to total assets | 83.4753% | 4,514 |
| Equity capital to assets | 12.3049% | 1,701 |
| Core capital (leverage) ratio | 10.4354% | 2,954 |
| Tier 1 risk-based capital ratio | 15.6800% | 3,374 |
| Total risk-based capital ratio | 16.6062% | 3,519 |
| Memoranda: | ||
| Average total assets | $184,386,000 | 3,274 |
| Average earning assets | $169,567,000 | 3,262 |
| Average equity | $23,131,000 | 2,852 |
| Average total loans | $98,703,330 | 3,526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 4,271 |
| Cost of funding earning assets | 0.5292% | 3,786 |
| Net interest margin | 3.4282% | 4,018 |
| Noninterest income to average assets | 0.3686% | 4,722 |
| Noninterest expense to average assets | 2.2265% | 5,621 |
| Loan and lease loss provision to assets | 0.1617% | 2,252 |
| Net operating income to assets | 1.0066% | 2,197 |
| Return on assets (ROA) | 1.0066% | 2,312 |
| Pretax return on assets | 1.1079% | 2,926 |
| Return on Equity (ROE) | 7.9493% | 3,005 |
| Retained earnings to average equity (ytd only) | 0.9703% | 5,458 |
| Net charge-offs to loans | 0.5097% | 1,181 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 4.7120% | 2,494 |
| Efficiency ratio | 62.5771% | 5,223 |
| Assets per employee ($millions) | 4.5793% | 2,837 |
| Cash dividends to net income (ytd only)* | 87.7944% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,728 |
| Loan loss allowance to noncurrent loans | 110.5769% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 4,846 |
| Noncurrent loans to loans | 0.9645% | 4,209 |
| Net loans and leases to total assets | 52.4171% | 4,639 |
| Net loans and leases to deposits | 62.3647% | 4,490 |
| Net loans and leases to core deposits | 63.1918% | 4,827 |
| Total domestic deposits to total assets | 84.0493% | 4,457 |
| Equity capital to assets | 12.7962% | 1,533 |
| Core capital (leverage) ratio | 9.7327% | 3,751 |
| Tier 1 risk-based capital ratio | 15.7949% | 3,378 |
| Total risk-based capital ratio | 16.7133% | 3,507 |
| Memoranda: | ||
| Average total assets | $185,579,000 | 3,289 |
| Average earning assets | $169,301,000 | 3,289 |
| Average equity | $23,499,000 | 2,854 |
| Average total loans | $98,091,000 | 3,562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 3,322 |
| Cost of funding earning assets | 0.6880% | 3,586 |
| Net interest margin | 3.8308% | 3,097 |
| Noninterest income to average assets | 0.5520% | 3,563 |
| Noninterest expense to average assets | 2.3404% | 5,590 |
| Loan and lease loss provision to assets | 0.1858% | 3,315 |
| Net operating income to assets | 1.4839% | 951 |
| Return on assets (ROA) | 1.7403% | 631 |
| Pretax return on assets | 1.7485% | 1,023 |
| Return on Equity (ROE) | 13.8517% | 1,017 |
| Retained earnings to average equity (ytd only) | 4.6114% | 2,978 |
| Net charge-offs to loans | 0.2488% | 3,446 |
| Credit loss provision to net charge-offs | 138.7755% | 1,989 |
| Earnings coverage of net charge-offs (x) | 12.5306% | 1,918 |
| Efficiency ratio | 57.2225% | 5,931 |
| Assets per employee ($millions) | 4.6997% | 2,644 |
| Cash dividends to net income (ytd only)* | 66.7085% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 5,575 |
| Loan loss allowance to noncurrent loans | 95.5947% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 4,965 |
| Noncurrent loans to loans | 1.1449% | 3,934 |
| Net loans and leases to total assets | 52.1573% | 4,906 |
| Net loans and leases to deposits | 62.9221% | 4,669 |
| Net loans and leases to core deposits | 63.8544% | 4,973 |
| Total domestic deposits to total assets | 82.8919% | 4,765 |
| Equity capital to assets | 12.5322% | 1,685 |
| Core capital (leverage) ratio | 10.1483% | 3,199 |
| Tier 1 risk-based capital ratio | 15.4627% | 3,450 |
| Total risk-based capital ratio | 16.4092% | 3,579 |
| Memoranda: | ||
| Average total assets | $182,960,800 | 3,276 |
| Average earning assets | $165,554,800 | 3,297 |
| Average equity | $22,986,400 | 2,852 |
| Average total loans | $98,478,600 | 3,561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 3,259 |
| Cost of funding earning assets | 0.7127% | 3,655 |
| Net interest margin | 3.8748% | 3,010 |
| Noninterest income to average assets | 0.5980% | 3,287 |
| Noninterest expense to average assets | 2.3782% | 5,463 |
| Loan and lease loss provision to assets | 0.2495% | 2,568 |
| Net operating income to assets | 1.4822% | 1,055 |
| Return on assets (ROA) | 1.4822% | 1,167 |
| Pretax return on assets | 1.4932% | 1,909 |
| Return on Equity (ROE) | 11.7902% | 1,708 |
| Retained earnings to average equity (ytd only) | 4.2608% | 3,896 |
| Net charge-offs to loans | 0.2617% | 3,150 |
| Credit loss provision to net charge-offs | 176.1658% | 1,579 |
| Earnings coverage of net charge-offs (x) | 12.3056% | 2,011 |
| Efficiency ratio | 56.7308% | 5,957 |
| Assets per employee ($millions) | 4.4962% | 2,919 |
| Cash dividends to net income (ytd only)* | 63.8614% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 5,483 |
| Loan loss allowance to noncurrent loans | 91.1058% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 4,902 |
| Noncurrent loans to loans | 1.2707% | 3,928 |
| Net loans and leases to total assets | 53.9778% | 4,751 |
| Net loans and leases to deposits | 64.1223% | 4,699 |
| Net loans and leases to core deposits | 64.9882% | 5,056 |
| Total domestic deposits to total assets | 84.1794% | 4,134 |
| Equity capital to assets | 13.2462% | 1,477 |
| Core capital (leverage) ratio | 9.9252% | 3,657 |
| Tier 1 risk-based capital ratio | 15.0328% | 3,827 |
| Total risk-based capital ratio | 16.0165% | 3,962 |
| Memoranda: | ||
| Average total assets | $181,704,250 | 3,317 |
| Average earning assets | $165,198,750 | 3,335 |
| Average equity | $22,843,250 | 2,897 |
| Average total loans | $98,314,750 | 3,607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 3,381 |
| Cost of funding earning assets | 0.7359% | 3,712 |
| Net interest margin | 3.8598% | 3,090 |
| Noninterest income to average assets | 0.5013% | 3,917 |
| Noninterest expense to average assets | 2.3859% | 5,501 |
| Loan and lease loss provision to assets | 0.3730% | 1,756 |
| Net operating income to assets | 1.2297% | 1,611 |
| Return on assets (ROA) | 1.2297% | 1,802 |
| Pretax return on assets | 1.2461% | 2,740 |
| Return on Equity (ROE) | 9.9571% | 2,369 |
| Retained earnings to average equity (ytd only) | 2.2295% | 5,075 |
| Net charge-offs to loans | 0.4006% | 2,423 |
| Credit loss provision to net charge-offs | 172.5888% | 1,630 |
| Earnings coverage of net charge-offs (x) | 7.4924% | 2,470 |
| Efficiency ratio | 58.5593% | 5,795 |
| Assets per employee ($millions) | 4.7859% | 2,458 |
| Cash dividends to net income (ytd only)* | 77.6093% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,467 |
| Loan loss allowance to noncurrent loans | 102.2563% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 5,124 |
| Noncurrent loans to loans | 1.1472% | 4,236 |
| Net loans and leases to total assets | 52.4853% | 5,037 |
| Net loans and leases to deposits | 62.2586% | 4,965 |
| Net loans and leases to core deposits | 63.0369% | 5,295 |
| Total domestic deposits to total assets | 84.3022% | 4,192 |
| Equity capital to assets | 12.6593% | 1,714 |
| Core capital (leverage) ratio | 9.5661% | 4,053 |
| Tier 1 risk-based capital ratio | 14.7933% | 3,898 |
| Total risk-based capital ratio | 15.7863% | 4,041 |
| Memoranda: | ||
| Average total assets | $182,323,000 | 3,319 |
| Average earning assets | $165,500,670 | 3,337 |
| Average equity | $22,516,670 | 2,920 |
| Average total loans | $98,348,000 | 3,616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 3,541 |
| Cost of funding earning assets | 0.7554% | 3,823 |
| Net interest margin | 3.8373% | 3,202 |
| Noninterest income to average assets | 0.4360% | 4,406 |
| Noninterest expense to average assets | 2.5286% | 5,063 |
| Loan and lease loss provision to assets | 0.4821% | 1,268 |
| Net operating income to assets | 0.8765% | 3,030 |
| Return on assets (ROA) | 0.8765% | 3,254 |
| Pretax return on assets | 0.9093% | 4,000 |
| Return on Equity (ROE) | 7.1867% | 3,666 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 0.3144% | 2,388 |
| Credit loss provision to net charge-offs | 282.0513% | 1,038 |
| Earnings coverage of net charge-offs (x) | 8.1410% | 1,994 |
| Efficiency ratio | 63.4992% | 5,018 |
| Assets per employee ($millions) | 5.1589% | 2,049 |
| Cash dividends to net income (ytd only)* | 100.0000% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,608 |
| Loan loss allowance to noncurrent loans | 85.1128% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 5,098 |
| Noncurrent loans to loans | 1.3809% | 4,047 |
| Net loans and leases to total assets | 51.2516% | 5,111 |
| Net loans and leases to deposits | 60.0951% | 5,134 |
| Net loans and leases to core deposits | 61.2699% | 5,408 |
| Total domestic deposits to total assets | 85.2842% | 3,886 |
| Equity capital to assets | 12.1124% | 1,967 |
| Core capital (leverage) ratio | 9.3018% | 4,362 |
| Tier 1 risk-based capital ratio | 13.0596% | 5,166 |
| Total risk-based capital ratio | 13.9497% | 5,403 |
| Memoranda: | ||
| Average total assets | $182,551,500 | 3,338 |
| Average earning assets | $165,741,500 | 3,351 |
| Average equity | $22,263,500 | 2,948 |
| Average total loans | $99,229,000 | 3,615 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 3,132 |
| Cost of funding earning assets | 0.9360% | 3,831 |
| Net interest margin | 4.0083% | 2,843 |
| Noninterest income to average assets | 0.3831% | 4,762 |
| Noninterest expense to average assets | 2.3348% | 5,962 |
| Loan and lease loss provision to assets | 0.2097% | 4,092 |
| Net operating income to assets | 1.4890% | 849 |
| Return on assets (ROA) | 1.5046% | 883 |
| Pretax return on assets | 1.5312% | 1,390 |
| Return on Equity (ROE) | 13.2474% | 1,111 |
| Retained earnings to average equity (ytd only) | 4.6902% | 2,861 |
| Net charge-offs to loans | 0.5648% | 2,763 |
| Credit loss provision to net charge-offs | 65.2557% | 5,019 |
| Earnings coverage of net charge-offs (x) | 5.3686% | 2,817 |
| Efficiency ratio | 56.4629% | 6,255 |
| Assets per employee ($millions) | 4.4846% | 2,937 |
| Cash dividends to net income (ytd only)* | 64.5951% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,339 |
| Loan loss allowance to noncurrent loans | 87.4558% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 5,368 |
| Noncurrent loans to loans | 1.1083% | 4,498 |
| Net loans and leases to total assets | 56.3885% | 4,636 |
| Net loans and leases to deposits | 65.8713% | 4,750 |
| Net loans and leases to core deposits | 67.0578% | 5,151 |
| Total domestic deposits to total assets | 85.6041% | 3,532 |
| Equity capital to assets | 12.2820% | 1,922 |
| Core capital (leverage) ratio | 9.3840% | 4,201 |
| Tier 1 risk-based capital ratio | 14.0522% | 4,288 |
| Total risk-based capital ratio | 14.8908% | 4,558 |
| Memoranda: | ||
| Average total assets | $176,462,600 | 3,389 |
| Average earning assets | $161,862,200 | 3,371 |
| Average equity | $20,041,600 | 3,140 |
| Average total loans | $100,386,800 | 3,609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 3,151 |
| Cost of funding earning assets | 0.9698% | 3,893 |
| Net interest margin | 4.0172% | 2,841 |
| Noninterest income to average assets | 0.3574% | 5,007 |
| Noninterest expense to average assets | 2.2974% | 6,045 |
| Loan and lease loss provision to assets | 0.2428% | 3,574 |
| Net operating income to assets | 1.4761% | 989 |
| Return on assets (ROA) | 1.4969% | 1,021 |
| Pretax return on assets | 1.5280% | 1,584 |
| Return on Equity (ROE) | 13.4599% | 1,168 |
| Retained earnings to average equity (ytd only) | 4.6936% | 3,384 |
| Net charge-offs to loans | 0.6163% | 2,399 |
| Credit loss provision to net charge-offs | 69.2641% | 4,506 |
| Earnings coverage of net charge-offs (x) | 4.9914% | 2,908 |
| Efficiency ratio | 55.7368% | 6,316 |
| Assets per employee ($millions) | 4.4365% | 3,022 |
| Cash dividends to net income (ytd only)* | 65.1292% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 6,203 |
| Loan loss allowance to noncurrent loans | 116.3697% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 5,804 |
| Noncurrent loans to loans | 0.8711% | 5,119 |
| Net loans and leases to total assets | 57.5026% | 4,585 |
| Net loans and leases to deposits | 67.3636% | 4,713 |
| Net loans and leases to core deposits | 68.6262% | 5,102 |
| Total domestic deposits to total assets | 85.3616% | 3,579 |
| Equity capital to assets | 12.1640% | 2,134 |
| Core capital (leverage) ratio | 9.3071% | 4,445 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,625 |
| Total risk-based capital ratio | 14.5125% | 4,879 |
| Memoranda: | ||
| Average total assets | $175,732,250 | 3,419 |
| Average earning assets | $161,400,500 | 3,398 |
| Average equity | $19,544,000 | 3,215 |
| Average total loans | $99,948,000 | 3,653 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 3,341 |
| Cost of funding earning assets | 1.0009% | 3,943 |
| Net interest margin | 3.9614% | 3,031 |
| Noninterest income to average assets | 0.3368% | 5,193 |
| Noninterest expense to average assets | 2.2928% | 6,150 |
| Loan and lease loss provision to assets | 0.2740% | 3,199 |
| Net operating income to assets | 1.3917% | 1,099 |
| Return on assets (ROA) | 1.4227% | 1,101 |
| Pretax return on assets | 1.4627% | 1,634 |
| Return on Equity (ROE) | 13.2108% | 1,153 |
| Retained earnings to average equity (ytd only) | 3.8275% | 3,775 |
| Net charge-offs to loans | 0.7563% | 1,985 |
| Credit loss provision to net charge-offs | 64.1711% | 4,230 |
| Earnings coverage of net charge-offs (x) | 3.9920% | 2,999 |
| Efficiency ratio | 56.2982% | 6,390 |
| Assets per employee ($millions) | 4.4281% | 2,953 |
| Cash dividends to net income (ytd only)* | 71.0273% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 6,084 |
| Loan loss allowance to noncurrent loans | 110.9589% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 5,753 |
| Noncurrent loans to loans | 0.9581% | 5,074 |
| Net loans and leases to total assets | 55.3279% | 5,100 |
| Net loans and leases to deposits | 64.1586% | 5,251 |
| Net loans and leases to core deposits | 65.6324% | 5,550 |
| Total domestic deposits to total assets | 86.2362% | 3,193 |
| Equity capital to assets | 11.3090% | 2,676 |
| Core capital (leverage) ratio | 9.2292% | 4,351 |
| Tier 1 risk-based capital ratio | 13.8029% | 4,305 |
| Total risk-based capital ratio | 14.7128% | 4,537 |
| Memoranda: | ||
| Average total assets | $175,157,000 | 3,445 |
| Average earning assets | $161,862,000 | 3,409 |
| Average equity | $18,863,330 | 3,282 |
| Average total loans | $98,901,330 | 3,714 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 5,346 |
| Cost of funding earning assets | 1.0483% | 3,862 |
| Net interest margin | 3.4486% | 5,234 |
| Noninterest income to average assets | 0.3789% | 4,883 |
| Noninterest expense to average assets | 2.2116% | 6,398 |
| Loan and lease loss provision to assets | 0.2756% | 2,949 |
| Net operating income to assets | 1.0197% | 2,112 |
| Return on assets (ROA) | 1.0197% | 2,163 |
| Pretax return on assets | 1.0725% | 2,861 |
| Return on Equity (ROE) | 9.7158% | 2,202 |
| Retained earnings to average equity (ytd only) | -1.9913% | 6,142 |
| Net charge-offs to loans | 0.5505% | 2,117 |
| Credit loss provision to net charge-offs | 88.2353% | 2,967 |
| Earnings coverage of net charge-offs (x) | 4.3162% | 2,512 |
| Efficiency ratio | 60.9677% | 5,838 |
| Assets per employee ($millions) | 4.3669% | 3,096 |
| Cash dividends to net income (ytd only)* | 120.4955% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,716 |
| Loan loss allowance to noncurrent loans | 32.3124% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 3,062 |
| Noncurrent loans to loans | 3.6548% | 2,030 |
| Net loans and leases to total assets | 56.0964% | 4,980 |
| Net loans and leases to deposits | 64.3914% | 5,204 |
| Net loans and leases to core deposits | 65.8210% | 5,530 |
| Total domestic deposits to total assets | 87.1179% | 2,882 |
| Equity capital to assets | 10.5212% | 3,157 |
| Core capital (leverage) ratio | 8.8458% | 4,863 |
| Tier 1 risk-based capital ratio | 13.4588% | 4,451 |
| Total risk-based capital ratio | 14.4753% | 4,623 |
| Memoranda: | ||
| Average total assets | $174,173,500 | 3,481 |
| Average earning assets | $160,645,000 | 3,449 |
| Average equity | $18,279,500 | 3,358 |
| Average total loans | $98,826,000 | 3,752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 2,991 |
| Cost of funding earning assets | 1.3931% | 3,316 |
| Net interest margin | 3.9347% | 3,321 |
| Noninterest income to average assets | 0.7887% | 2,333 |
| Noninterest expense to average assets | 2.9944% | 3,868 |
| Loan and lease loss provision to assets | 0.3382% | 4,119 |
| Net operating income to assets | 1.0147% | 1,983 |
| Return on assets (ROA) | 1.0822% | 1,847 |
| Pretax return on assets | 1.0928% | 2,601 |
| Return on Equity (ROE) | 10.2171% | 1,851 |
| Retained earnings to average equity (ytd only) | 7.7184% | 1,072 |
| Net charge-offs to loans | 0.5726% | 3,334 |
| Credit loss provision to net charge-offs | 102.3132% | 4,423 |
| Earnings coverage of net charge-offs (x) | 4.1228% | 3,054 |
| Efficiency ratio | 67.7376% | 4,615 |
| Assets per employee ($millions) | 4.3418% | 3,127 |
| Cash dividends to net income (ytd only)* | 24.4565% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,487 |
| Loan loss allowance to noncurrent loans | 35.9915% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9692% | 3,380 |
| Noncurrent loans to loans | 3.3484% | 2,273 |
| Net loans and leases to total assets | 56.0295% | 5,343 |
| Net loans and leases to deposits | 62.7148% | 5,772 |
| Net loans and leases to core deposits | 64.3471% | 6,024 |
| Total domestic deposits to total assets | 89.3402% | 1,475 |
| Equity capital to assets | 10.4686% | 3,191 |
| Core capital (leverage) ratio | 8.9286% | 4,648 |
| Tier 1 risk-based capital ratio | 13.6928% | 4,064 |
| Total risk-based capital ratio | 14.7363% | 4,188 |
| Memoranda: | ||
| Average total assets | $170,020,200 | 3,533 |
| Average earning assets | $154,193,200 | 3,571 |
| Average equity | $18,009,000 | 3,422 |
| Average total loans | $98,154,200 | 3,851 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 3,014 |
| Cost of funding earning assets | 1.4304% | 3,391 |
| Net interest margin | 3.9420% | 3,352 |
| Noninterest income to average assets | 0.3288% | 5,528 |
| Noninterest expense to average assets | 3.0914% | 3,369 |
| Loan and lease loss provision to assets | 0.4534% | 3,205 |
| Net operating income to assets | 0.3311% | 5,043 |
| Return on assets (ROA) | 0.3311% | 5,213 |
| Pretax return on assets | 0.3453% | 5,386 |
| Return on Equity (ROE) | 3.1169% | 5,173 |
| Retained earnings to average equity (ytd only) | 1.0390% | 5,398 |
| Net charge-offs to loans | 0.6064% | 2,924 |
| Credit loss provision to net charge-offs | 128.9238% | 3,152 |
| Earnings coverage of net charge-offs (x) | 2.2713% | 4,030 |
| Efficiency ratio | 78.3543% | 2,579 |
| Assets per employee ($millions) | 4.4487% | 2,991 |
| Cash dividends to net income (ytd only)* | 66.6655% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,788 |
| Loan loss allowance to noncurrent loans | 38.6303% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.9225% | 3,583 |
| Noncurrent loans to loans | 3.4494% | 2,310 |
| Net loans and leases to total assets | 54.2193% | 5,819 |
| Net loans and leases to deposits | 60.8686% | 6,232 |
| Net loans and leases to core deposits | 62.7841% | 6,395 |
| Total domestic deposits to total assets | 89.0759% | 1,357 |
| Equity capital to assets | 10.6218% | 3,384 |
| Core capital (leverage) ratio | 8.4357% | 5,630 |
| Tier 1 risk-based capital ratio | 12.5822% | 4,914 |
| Total risk-based capital ratio | 13.7281% | 4,978 |
| Memoranda: | ||
| Average total assets | $169,107,500 | 3,603 |
| Average earning assets | $152,779,000 | 3,641 |
| Average equity | $17,966,000 | 3,478 |
| Average total loans | $98,069,250 | 3,913 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 2,762 |
| Cost of funding earning assets | 1.4497% | 3,558 |
| Net interest margin | 3.9985% | 3,019 |
| Noninterest income to average assets | 0.3117% | 5,674 |
| Noninterest expense to average assets | 3.4087% | 2,239 |
| Loan and lease loss provision to assets | 0.3611% | 3,544 |
| Net operating income to assets | 0.1126% | 5,826 |
| Return on assets (ROA) | 0.0590% | 6,070 |
| Pretax return on assets | 0.0806% | 6,016 |
| Return on Equity (ROE) | 0.5551% | 6,072 |
| Retained earnings to average equity (ytd only) | -2.3903% | 6,207 |
| Net charge-offs to loans | 0.8129% | 2,216 |
| Credit loss provision to net charge-offs | 75.1880% | 4,830 |
| Earnings coverage of net charge-offs (x) | 1.0727% | 4,723 |
| Efficiency ratio | 85.7669% | 1,742 |
| Assets per employee ($millions) | 4.2258% | 3,339 |
| Cash dividends to net income (ytd only)* | 530.6122% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,876 |
| Loan loss allowance to noncurrent loans | 85.5211% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 5,507 |
| Noncurrent loans to loans | 1.3021% | 4,775 |
| Net loans and leases to total assets | 56.4775% | 5,629 |
| Net loans and leases to deposits | 63.3025% | 6,107 |
| Net loans and leases to core deposits | 64.7042% | 6,343 |
| Total domestic deposits to total assets | 89.2185% | 1,320 |
| Equity capital to assets | 10.4703% | 3,449 |
| Core capital (leverage) ratio | 8.5094% | 5,388 |
| Tier 1 risk-based capital ratio | 12.6204% | 4,756 |
| Total risk-based capital ratio | 13.5938% | 4,979 |
| Memoranda: | ||
| Average total assets | $166,161,330 | 3,671 |
| Average earning assets | $150,105,000 | 3,704 |
| Average equity | $17,654,330 | 3,522 |
| Average total loans | $98,164,330 | 3,956 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 2,374 |
| Cost of funding earning assets | 1.4758% | 3,710 |
| Net interest margin | 4.0713% | 2,561 |
| Noninterest income to average assets | 0.3740% | 5,147 |
| Noninterest expense to average assets | 4.6671% | 486 |
| Loan and lease loss provision to assets | 0.3642% | 3,187 |
| Net operating income to assets | -1.0369% | 7,124 |
| Return on assets (ROA) | -1.1874% | 7,229 |
| Pretax return on assets | -1.1437% | 7,121 |
| Return on Equity (ROE) | -11.0932% | 7,173 |
| Retained earnings to average equity (ytd only) | -12.4543% | 7,100 |
| Net charge-offs to loans | 0.7315% | 2,042 |
| Credit loss provision to net charge-offs | 82.8729% | 3,815 |
| Earnings coverage of net charge-offs (x) | -1.4309% | 5,426 |
| Efficiency ratio | 114.4919% | 522 |
| Assets per employee ($millions) | 3.8503% | 4,206 |
| Cash dividends to net income (ytd only)* | -12.2699% | 7,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,664 |
| Loan loss allowance to noncurrent loans | 106.8224% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 5,682 |
| Noncurrent loans to loans | 1.0938% | 5,175 |
| Net loans and leases to total assets | 59.7838% | 5,152 |
| Net loans and leases to deposits | 67.1517% | 5,691 |
| Net loans and leases to core deposits | 69.0723% | 5,996 |
| Total domestic deposits to total assets | 89.0280% | 1,499 |
| Equity capital to assets | 10.6975% | 3,044 |
| Core capital (leverage) ratio | 8.5049% | 5,363 |
| Tier 1 risk-based capital ratio | 12.4117% | 4,828 |
| Total risk-based capital ratio | 13.4563% | 4,960 |
| Memoranda: | ||
| Average total assets | $164,727,000 | 3,749 |
| Average earning assets | $148,256,500 | 3,792 |
| Average equity | $17,632,500 | 3,547 |
| Average total loans | $98,977,000 | 3,985 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8980% | 2,245 |
| Cost of funding earning assets | 1.8535% | 3,719 |
| Net interest margin | 4.0446% | 2,669 |
| Noninterest income to average assets | 0.4693% | 4,655 |
| Noninterest expense to average assets | 2.4393% | 6,340 |
| Loan and lease loss provision to assets | 0.5958% | 3,410 |
| Net operating income to assets | 1.0614% | 1,623 |
| Return on assets (ROA) | 1.0632% | 1,664 |
| Pretax return on assets | 1.0736% | 2,329 |
| Return on Equity (ROE) | 9.9198% | 1,717 |
| Retained earnings to average equity (ytd only) | 0.8267% | 4,438 |
| Net charge-offs to loans | 0.8791% | 2,642 |
| Credit loss provision to net charge-offs | 110.5442% | 4,976 |
| Earnings coverage of net charge-offs (x) | 3.0941% | 3,517 |
| Efficiency ratio | 58.3098% | 6,721 |
| Assets per employee ($millions) | 3.9010% | 4,020 |
| Cash dividends to net income (ytd only)* | 91.6667% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,522 |
| Loan loss allowance to noncurrent loans | 75.9871% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 5,110 |
| Noncurrent loans to loans | 1.5429% | 4,340 |
| Net loans and leases to total assets | 58.9950% | 5,489 |
| Net loans and leases to deposits | 66.2507% | 6,018 |
| Net loans and leases to core deposits | 75.7107% | 6,422 |
| Total domestic deposits to total assets | 89.0481% | 1,461 |
| Equity capital to assets | 10.7104% | 2,959 |
| Core capital (leverage) ratio | 8.8139% | 4,746 |
| Tier 1 risk-based capital ratio | 12.6239% | 4,421 |
| Total risk-based capital ratio | 13.6751% | 4,531 |
| Memoranda: | ||
| Average total assets | $163,650,600 | 3,703 |
| Average earning assets | $147,184,600 | 3,762 |
| Average equity | $17,540,600 | 3,578 |
| Average total loans | $100,331,400 | 3,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 2,260 |
| Cost of funding earning assets | 1.9116% | 3,819 |
| Net interest margin | 4.0313% | 2,675 |
| Noninterest income to average assets | 0.4599% | 4,821 |
| Noninterest expense to average assets | 2.3890% | 6,451 |
| Loan and lease loss provision to assets | 0.7994% | 2,364 |
| Net operating income to assets | 0.8953% | 2,438 |
| Return on assets (ROA) | 0.8977% | 2,499 |
| Pretax return on assets | 0.9117% | 3,189 |
| Return on Equity (ROE) | 8.3741% | 2,494 |
| Retained earnings to average equity (ytd only) | -0.6118% | 5,381 |
| Net charge-offs to loans | 1.0706% | 1,857 |
| Credit loss provision to net charge-offs | 120.9677% | 4,196 |
| Earnings coverage of net charge-offs (x) | 2.5856% | 3,932 |
| Efficiency ratio | 57.2029% | 6,844 |
| Assets per employee ($millions) | 3.7658% | 4,270 |
| Cash dividends to net income (ytd only)* | 107.3064% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 4,848 |
| Loan loss allowance to noncurrent loans | 129.2658% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 5,785 |
| Noncurrent loans to loans | 0.9656% | 5,365 |
| Net loans and leases to total assets | 61.0745% | 5,411 |
| Net loans and leases to deposits | 68.9031% | 6,038 |
| Net loans and leases to core deposits | 79.9893% | 6,352 |
| Total domestic deposits to total assets | 88.6383% | 1,368 |
| Equity capital to assets | 10.9726% | 3,038 |
| Core capital (leverage) ratio | 8.6979% | 5,130 |
| Tier 1 risk-based capital ratio | 12.6890% | 4,398 |
| Total risk-based capital ratio | 13.8336% | 4,439 |
| Memoranda: | ||
| Average total assets | $162,627,500 | 3,750 |
| Average earning assets | $146,748,500 | 3,783 |
| Average equity | $17,434,250 | 3,625 |
| Average total loans | $100,380,750 | 3,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 2,414 |
| Cost of funding earning assets | 1.9521% | 3,993 |
| Net interest margin | 3.9889% | 2,746 |
| Noninterest income to average assets | 0.4482% | 4,862 |
| Noninterest expense to average assets | 2.2817% | 6,812 |
| Loan and lease loss provision to assets | 0.9824% | 1,717 |
| Net operating income to assets | 0.7468% | 3,056 |
| Return on assets (ROA) | 0.7503% | 3,148 |
| Pretax return on assets | 0.7712% | 3,772 |
| Return on Equity (ROE) | 7.0542% | 3,180 |
| Retained earnings to average equity (ytd only) | -4.3757% | 6,200 |
| Net charge-offs to loans | 1.2961% | 1,426 |
| Credit loss provision to net charge-offs | 122.8879% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.1889% | 3,976 |
| Efficiency ratio | 55.4676% | 7,169 |
| Assets per employee ($millions) | 3.7542% | 4,209 |
| Cash dividends to net income (ytd only)* | 162.0295% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,639 |
| Loan loss allowance to noncurrent loans | 159.7403% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 5,984 |
| Noncurrent loans to loans | 0.7798% | 5,671 |
| Net loans and leases to total assets | 60.4030% | 5,614 |
| Net loans and leases to deposits | 67.7878% | 6,217 |
| Net loans and leases to core deposits | 77.5301% | 6,573 |
| Total domestic deposits to total assets | 89.1060% | 1,213 |
| Equity capital to assets | 10.5167% | 3,386 |
| Core capital (leverage) ratio | 8.7976% | 4,948 |
| Tier 1 risk-based capital ratio | 12.0211% | 4,898 |
| Total risk-based capital ratio | 13.1132% | 4,950 |
| Memoranda: | ||
| Average total assets | $162,860,000 | 3,761 |
| Average earning assets | $146,305,000 | 3,811 |
| Average equity | $17,323,000 | 3,652 |
| Average total loans | $100,458,330 | 4,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 2,164 |
| Cost of funding earning assets | 2.0158% | 4,055 |
| Net interest margin | 4.0317% | 2,530 |
| Noninterest income to average assets | 0.4451% | 4,830 |
| Noninterest expense to average assets | 2.2840% | 6,593 |
| Loan and lease loss provision to assets | 1.0393% | 1,260 |
| Net operating income to assets | 0.7043% | 3,533 |
| Return on assets (ROA) | 0.7043% | 3,727 |
| Pretax return on assets | 0.7458% | 4,270 |
| Return on Equity (ROE) | 6.5844% | 3,790 |
| Retained earnings to average equity (ytd only) | -8.0476% | 6,920 |
| Net charge-offs to loans | 0.5488% | 2,085 |
| Credit loss provision to net charge-offs | 305.7554% | 1,589 |
| Earnings coverage of net charge-offs (x) | 5.2518% | 2,711 |
| Efficiency ratio | 55.0481% | 7,098 |
| Assets per employee ($millions) | 3.8207% | 4,035 |
| Cash dividends to net income (ytd only)* | 222.2222% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,599 |
| Loan loss allowance to noncurrent loans | 45.0593% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 1.9262% | 3,016 |
| Noncurrent loans to loans | 3.0675% | 2,119 |
| Net loans and leases to total assets | 60.8241% | 5,526 |
| Net loans and leases to deposits | 68.4722% | 6,136 |
| Net loans and leases to core deposits | 78.4077% | 6,506 |
| Total domestic deposits to total assets | 88.8304% | 1,318 |
| Equity capital to assets | 10.8393% | 3,132 |
| Core capital (leverage) ratio | 8.6019% | 5,340 |
| Tier 1 risk-based capital ratio | 12.7326% | 4,362 |
| Total risk-based capital ratio | 13.9827% | 4,284 |
| Memoranda: | ||
| Average total assets | $163,575,500 | 3,769 |
| Average earning assets | $147,035,500 | 3,811 |
| Average equity | $17,496,000 | 3,636 |
| Average total loans | $101,318,500 | 3,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5484% | 2,727 |
| Cost of funding earning assets | 2.6899% | 3,208 |
| Net interest margin | 3.8585% | 3,754 |
| Noninterest income to average assets | 0.5419% | 4,301 |
| Noninterest expense to average assets | 2.1969% | 6,972 |
| Loan and lease loss provision to assets | 0.5112% | 2,766 |
| Net operating income to assets | 1.3544% | 1,335 |
| Return on assets (ROA) | 1.3604% | 1,278 |
| Pretax return on assets | 1.3604% | 2,089 |
| Return on Equity (ROE) | 13.2959% | 1,258 |
| Retained earnings to average equity (ytd only) | 4.9962% | 2,032 |
| Net charge-offs to loans | 0.5583% | 2,144 |
| Credit loss provision to net charge-offs | 152.0572% | 3,445 |
| Earnings coverage of net charge-offs (x) | 5.5492% | 3,611 |
| Efficiency ratio | 52.9978% | 7,382 |
| Assets per employee ($millions) | 3.9686% | 3,585 |
| Cash dividends to net income (ytd only)* | 62.4226% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 5,695 |
| Loan loss allowance to noncurrent loans | 47.9592% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 3,416 |
| Noncurrent loans to loans | 2.1743% | 2,538 |
| Net loans and leases to total assets | 61.5449% | 5,690 |
| Net loans and leases to deposits | 69.0627% | 6,370 |
| Net loans and leases to core deposits | 84.6178% | 6,246 |
| Total domestic deposits to total assets | 89.1145% | 999 |
| Equity capital to assets | 10.5580% | 3,434 |
| Core capital (leverage) ratio | 8.3697% | 5,817 |
| Tier 1 risk-based capital ratio | 12.5580% | 4,401 |
| Total risk-based capital ratio | 13.5350% | 4,482 |
| Memoranda: | ||
| Average total assets | $166,276,400 | 3,608 |
| Average earning assets | $151,716,400 | 3,620 |
| Average equity | $17,012,800 | 3,738 |
| Average total loans | $100,117,800 | 3,945 |