Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4316% | 2,237 |
| Cost of funding earning assets | 1.9683% | 2,018 |
| Net interest margin | 3.4633% | 2,403 |
| Noninterest income to average assets | 1.1400% | 480 |
| Noninterest expense to average assets | 2.5898% | 2,048 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.5989% | 910 |
| Return on assets (ROA) | 1.6011% | 897 |
| Pretax return on assets | 1.7018% | 1,108 |
| Return on Equity (ROE) | 25.1400% | 193 |
| Retained earnings to average equity (ytd only) | 2.3615% | 3,249 |
| Net charge-offs to loans | 0.9654% | 169 |
| Credit loss provision to net charge-offs | 19.5584% | 1,657 |
| Earnings coverage of net charge-offs (x) | 3.7003% | 1,997 |
| Efficiency ratio | 58.8533% | 3,102 |
| Assets per employee ($millions) | 6.7198% | 2,405 |
| Cash dividends to net income (ytd only)* | 90.6056% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,280 |
| Loan loss allowance to noncurrent loans | 387.7892% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 795 |
| Noncurrent loans to loans | 0.3050% | 2,402 |
| Net loans and leases to total assets | 48.0900% | 3,660 |
| Net loans and leases to deposits | 52.9196% | 3,763 |
| Net loans and leases to core deposits | 65.3074% | 3,498 |
| Total domestic deposits to total assets | 90.8700% | 559 |
| Equity capital to assets | 6.5871% | 4,135 |
| Core capital (leverage) ratio | 8.7996% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9367% | 1,288 |
| Memoranda: | ||
| Average total assets | $523,904,500 | 1,730 |
| Average earning assets | $490,978,000 | 1,708 |
| Average equity | $33,369,000 | 2,293 |
| Average total loans | $262,682,000 | 2,046 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,063 |
| Cost of funding earning assets | 1.9502% | 2,339 |
| Net interest margin | 3.5856% | 1,899 |
| Noninterest income to average assets | 1.1300% | 498 |
| Noninterest expense to average assets | 2.5944% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.8921% | 473 |
| Return on assets (ROA) | 1.8951% | 474 |
| Pretax return on assets | 1.9245% | 672 |
| Return on Equity (ROE) | 30.2300% | 105 |
| Retained earnings to average equity (ytd only) | 0.4100% | 3,816 |
| Net charge-offs to loans | -0.0535% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.1971% | 3,435 |
| Assets per employee ($millions) | 6.5458% | 2,479 |
| Cash dividends to net income (ytd only)* | 98.6436% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 1,650 |
| Loan loss allowance to noncurrent loans | 68.3262% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 678 |
| Noncurrent loans to loans | 1.9098% | 429 |
| Net loans and leases to total assets | 50.9400% | 3,579 |
| Net loans and leases to deposits | 58.2226% | 3,606 |
| Net loans and leases to core deposits | 70.3993% | 3,339 |
| Total domestic deposits to total assets | 87.4900% | 1,713 |
| Equity capital to assets | 6.1513% | 4,176 |
| Core capital (leverage) ratio | 8.9356% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7365% | 1,334 |
| Memoranda: | ||
| Average total assets | $513,525,400 | 1,742 |
| Average earning assets | $485,189,000 | 1,707 |
| Average equity | $32,194,800 | 2,289 |
| Average total loans | $252,308,400 | 2,063 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 1,945 |
| Cost of funding earning assets | 1.9022% | 2,455 |
| Net interest margin | 3.6701% | 1,706 |
| Noninterest income to average assets | 1.0400% | 562 |
| Noninterest expense to average assets | 2.5438% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.9301% | 478 |
| Return on assets (ROA) | 1.9335% | 483 |
| Pretax return on assets | 1.9729% | 673 |
| Return on Equity (ROE) | 30.6900% | 103 |
| Retained earnings to average equity (ytd only) | 1.6982% | 3,535 |
| Net charge-offs to loans | -0.0436% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 56.1080% | 3,542 |
| Assets per employee ($millions) | 6.4313% | 2,558 |
| Cash dividends to net income (ytd only)* | 94.4669% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,451 |
| Loan loss allowance to noncurrent loans | 66.2660% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0187% | 652 |
| Noncurrent loans to loans | 2.0643% | 370 |
| Net loans and leases to total assets | 48.6700% | 3,698 |
| Net loans and leases to deposits | 57.1642% | 3,707 |
| Net loans and leases to core deposits | 68.5967% | 3,456 |
| Total domestic deposits to total assets | 85.1400% | 2,247 |
| Equity capital to assets | 6.6307% | 4,211 |
| Core capital (leverage) ratio | 8.9244% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3670% | 1,217 |
| Memoranda: | ||
| Average total assets | $510,990,750 | 1,735 |
| Average earning assets | $483,494,000 | 1,710 |
| Average equity | $32,190,500 | 2,291 |
| Average total loans | $247,814,000 | 2,078 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 1,884 |
| Cost of funding earning assets | 1.8303% | 2,552 |
| Net interest margin | 3.7189% | 1,564 |
| Noninterest income to average assets | 1.0400% | 554 |
| Noninterest expense to average assets | 2.5487% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9530% | 470 |
| Return on assets (ROA) | 1.9568% | 469 |
| Pretax return on assets | 2.0160% | 628 |
| Return on Equity (ROE) | 31.6200% | 117 |
| Retained earnings to average equity (ytd only) | 2.4597% | 3,200 |
| Net charge-offs to loans | -0.1066% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.6253% | 3,610 |
| Assets per employee ($millions) | 6.3227% | 2,541 |
| Cash dividends to net income (ytd only)* | 92.2213% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,298 |
| Loan loss allowance to noncurrent loans | 61.7487% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 512 |
| Noncurrent loans to loans | 2.3033% | 302 |
| Net loans and leases to total assets | 47.6900% | 3,762 |
| Net loans and leases to deposits | 55.7151% | 3,757 |
| Net loans and leases to core deposits | 66.2044% | 3,539 |
| Total domestic deposits to total assets | 85.6000% | 2,113 |
| Equity capital to assets | 6.3653% | 4,141 |
| Core capital (leverage) ratio | 9.2494% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1672% | 1,056 |
| Memoranda: | ||
| Average total assets | $509,819,667 | 1,735 |
| Average earning assets | $482,986,333 | 1,708 |
| Average equity | $31,549,000 | 2,290 |
| Average total loans | $245,789,333 | 2,085 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5468% | 1,722 |
| Cost of funding earning assets | 1.7168% | 2,728 |
| Net interest margin | 3.8300% | 1,323 |
| Noninterest income to average assets | 1.0400% | 522 |
| Noninterest expense to average assets | 2.5722% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9771% | 457 |
| Return on assets (ROA) | 1.9801% | 464 |
| Pretax return on assets | 2.0988% | 555 |
| Return on Equity (ROE) | 32.4700% | 115 |
| Retained earnings to average equity (ytd only) | 4.1001% | 2,684 |
| Net charge-offs to loans | -0.1895% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.8518% | 3,694 |
| Assets per employee ($millions) | 6.4229% | 2,511 |
| Cash dividends to net income (ytd only)* | 87.3709% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,259 |
| Loan loss allowance to noncurrent loans | 49.8721% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 352 |
| Noncurrent loans to loans | 2.8821% | 181 |
| Net loans and leases to total assets | 46.2500% | 3,794 |
| Net loans and leases to deposits | 53.6545% | 3,791 |
| Net loans and leases to core deposits | 63.1085% | 3,645 |
| Total domestic deposits to total assets | 86.2000% | 2,028 |
| Equity capital to assets | 6.0426% | 4,188 |
| Core capital (leverage) ratio | 9.0420% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0662% | 1,078 |
| Memoranda: | ||
| Average total assets | $508,661,500 | 1,738 |
| Average earning assets | $482,299,500 | 1,709 |
| Average equity | $31,024,000 | 2,313 |
| Average total loans | $244,799,000 | 2,086 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 2,302 |
| Cost of funding earning assets | 1.1269% | 2,996 |
| Net interest margin | 3.7618% | 1,623 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 2.5546% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0914% | 405 |
| Return on assets (ROA) | 1.5693% | 875 |
| Pretax return on assets | 1.5693% | 1,296 |
| Return on Equity (ROE) | 26.5300% | 266 |
| Retained earnings to average equity (ytd only) | 0.6903% | 3,903 |
| Net charge-offs to loans | -0.0882% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.7249% | 3,626 |
| Assets per employee ($millions) | 6.0618% | 2,766 |
| Cash dividends to net income (ytd only)* | 97.3984% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,393 |
| Loan loss allowance to noncurrent loans | 47.1807% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 261 |
| Noncurrent loans to loans | 2.9694% | 146 |
| Net loans and leases to total assets | 48.6900% | 3,685 |
| Net loans and leases to deposits | 52.8535% | 3,839 |
| Net loans and leases to core deposits | 61.2904% | 3,713 |
| Total domestic deposits to total assets | 92.1300% | 287 |
| Equity capital to assets | 6.1583% | 4,202 |
| Core capital (leverage) ratio | 9.8268% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6559% | 1,145 |
| Memoranda: | ||
| Average total assets | $487,429,800 | 1,756 |
| Average earning assets | $458,078,400 | 1,736 |
| Average equity | $28,828,000 | 2,325 |
| Average total loans | $231,363,800 | 2,092 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 2,240 |
| Cost of funding earning assets | 1.0430% | 2,913 |
| Net interest margin | 3.7648% | 1,660 |
| Noninterest income to average assets | 1.1500% | 529 |
| Noninterest expense to average assets | 2.6951% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9455% | 539 |
| Return on assets (ROA) | 1.4916% | 1,118 |
| Pretax return on assets | 1.5204% | 1,516 |
| Return on Equity (ROE) | 25.4900% | 375 |
| Retained earnings to average equity (ytd only) | 0.5919% | 4,032 |
| Net charge-offs to loans | -0.2458% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.3443% | 3,276 |
| Assets per employee ($millions) | 5.8866% | 2,847 |
| Cash dividends to net income (ytd only)* | 97.6778% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 934 |
| Loan loss allowance to noncurrent loans | 51.8434% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 255 |
| Noncurrent loans to loans | 3.0343% | 134 |
| Net loans and leases to total assets | 47.9800% | 3,739 |
| Net loans and leases to deposits | 53.3925% | 3,814 |
| Net loans and leases to core deposits | 62.9396% | 3,579 |
| Total domestic deposits to total assets | 89.8500% | 980 |
| Equity capital to assets | 6.0563% | 3,968 |
| Core capital (leverage) ratio | 9.6740% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4466% | 1,214 |
| Memoranda: | ||
| Average total assets | $485,021,000 | 1,763 |
| Average earning assets | $455,192,500 | 1,746 |
| Average equity | $28,382,250 | 2,331 |
| Average total loans | $227,836,250 | 2,112 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 2,353 |
| Cost of funding earning assets | 0.8968% | 2,937 |
| Net interest margin | 3.7317% | 1,753 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 2.7858% | 1,447 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 1.9479% | 505 |
| Return on assets (ROA) | 1.8157% | 636 |
| Pretax return on assets | 1.8587% | 922 |
| Return on Equity (ROE) | 31.3800% | 192 |
| Retained earnings to average equity (ytd only) | 3.0336% | 3,472 |
| Net charge-offs to loans | -0.2660% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.3021% | 3,043 |
| Assets per employee ($millions) | 5.8866% | 2,808 |
| Cash dividends to net income (ytd only)* | 90.3342% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,415 |
| Loan loss allowance to noncurrent loans | 51.5937% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2880% | 304 |
| Noncurrent loans to loans | 2.7749% | 163 |
| Net loans and leases to total assets | 45.7500% | 3,805 |
| Net loans and leases to deposits | 53.4965% | 3,774 |
| Net loans and leases to core deposits | 62.4881% | 3,517 |
| Total domestic deposits to total assets | 85.5200% | 2,388 |
| Equity capital to assets | 5.8444% | 4,195 |
| Core capital (leverage) ratio | 9.8787% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6316% | 1,183 |
| Memoranda: | ||
| Average total assets | $487,757,000 | 1,752 |
| Average earning assets | $458,509,000 | 1,742 |
| Average equity | $28,217,333 | 2,344 |
| Average total loans | $226,312,333 | 2,118 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 2,289 |
| Cost of funding earning assets | 0.7768% | 2,819 |
| Net interest margin | 3.7346% | 1,816 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.8522% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6484% | 913 |
| Return on assets (ROA) | 1.6515% | 906 |
| Pretax return on assets | 1.7382% | 1,197 |
| Return on Equity (ROE) | 28.7000% | 263 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | -0.0160% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.9082% | 2,712 |
| Assets per employee ($millions) | 5.6899% | 3,038 |
| Cash dividends to net income (ytd only)* | 100.0000% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,340 |
| Loan loss allowance to noncurrent loans | 60.2340% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 336 |
| Noncurrent loans to loans | 2.4562% | 201 |
| Net loans and leases to total assets | 45.1800% | 3,817 |
| Net loans and leases to deposits | 49.5093% | 3,912 |
| Net loans and leases to core deposits | 57.2061% | 3,676 |
| Total domestic deposits to total assets | 91.2600% | 716 |
| Equity capital to assets | 6.0661% | 4,178 |
| Core capital (leverage) ratio | 9.7753% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0913% | 1,139 |
| Memoranda: | ||
| Average total assets | $484,400,000 | 1,779 |
| Average earning assets | $455,733,500 | 1,758 |
| Average equity | $27,876,500 | 2,394 |
| Average total loans | $224,709,000 | 2,140 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 2,169 |
| Cost of funding earning assets | 0.2760% | 3,082 |
| Net interest margin | 3.5649% | 1,744 |
| Noninterest income to average assets | 1.1100% | 541 |
| Noninterest expense to average assets | 2.5336% | 2,014 |
| Loan and lease loss provision to assets | -0.2500% | 4,648 |
| Net operating income to assets | 2.1113% | 244 |
| Return on assets (ROA) | 1.8876% | 350 |
| Pretax return on assets | 1.9691% | 510 |
| Return on Equity (ROE) | 25.8400% | 179 |
| Retained earnings to average equity (ytd only) | 5.4686% | 2,847 |
| Net charge-offs to loans | 0.1799% | 462 |
| Credit loss provision to net charge-offs | -312.5000% | 4,618 |
| Earnings coverage of net charge-offs (x) | 23.8825% | 1,806 |
| Efficiency ratio | 56.2733% | 3,558 |
| Assets per employee ($millions) | 5.3353% | 3,381 |
| Cash dividends to net income (ytd only)* | 78.8337% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 1,481 |
| Loan loss allowance to noncurrent loans | 60.2159% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 385 |
| Noncurrent loans to loans | 2.3343% | 208 |
| Net loans and leases to total assets | 46.2400% | 3,788 |
| Net loans and leases to deposits | 52.0226% | 3,799 |
| Net loans and leases to core deposits | 60.4337% | 3,484 |
| Total domestic deposits to total assets | 88.8900% | 1,748 |
| Equity capital to assets | 5.4518% | 4,252 |
| Core capital (leverage) ratio | 9.0942% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4821% | 1,240 |
| Memoranda: | ||
| Average total assets | $490,571,400 | 1,741 |
| Average earning assets | $464,053,400 | 1,716 |
| Average equity | $35,841,000 | 2,077 |
| Average total loans | $222,340,200 | 2,094 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 2,209 |
| Cost of funding earning assets | 0.1633% | 3,702 |
| Net interest margin | 3.4819% | 1,717 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 2.6353% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6891% | 543 |
| Return on assets (ROA) | 1.6943% | 526 |
| Pretax return on assets | 1.7745% | 772 |
| Return on Equity (ROE) | 21.8100% | 302 |
| Retained earnings to average equity (ytd only) | 7.4622% | 2,203 |
| Net charge-offs to loans | 0.2378% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 16.5598% | 1,816 |
| Efficiency ratio | 59.5630% | 3,169 |
| Assets per employee ($millions) | 5.3432% | 3,384 |
| Cash dividends to net income (ytd only)* | 65.7789% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 449 |
| Loan loss allowance to noncurrent loans | 82.4371% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 369 |
| Noncurrent loans to loans | 2.4993% | 211 |
| Net loans and leases to total assets | 45.4100% | 3,797 |
| Net loans and leases to deposits | 49.4318% | 3,889 |
| Net loans and leases to core deposits | 57.3362% | 3,542 |
| Total domestic deposits to total assets | 91.8700% | 920 |
| Equity capital to assets | 5.0595% | 4,278 |
| Core capital (leverage) ratio | 9.2304% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1581% | 1,146 |
| Memoranda: | ||
| Average total assets | $490,502,000 | 1,752 |
| Average earning assets | $464,492,000 | 1,728 |
| Average equity | $38,111,250 | 2,020 |
| Average total loans | $220,371,000 | 2,107 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 2,251 |
| Cost of funding earning assets | 0.1297% | 3,841 |
| Net interest margin | 3.3317% | 1,812 |
| Noninterest income to average assets | 1.0558% | 597 |
| Noninterest expense to average assets | 2.5330% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6071% | 541 |
| Return on assets (ROA) | 1.6132% | 516 |
| Pretax return on assets | 1.6896% | 771 |
| Return on Equity (ROE) | 18.7058% | 406 |
| Retained earnings to average equity (ytd only) | 4.2486% | 2,995 |
| Net charge-offs to loans | 0.2776% | 247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 13.6319% | 1,685 |
| Efficiency ratio | 59.7920% | 3,329 |
| Assets per employee ($millions) | 5.5223% | 3,205 |
| Cash dividends to net income (ytd only)* | 77.2875% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 439 |
| Loan loss allowance to noncurrent loans | 70.3920% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 303 |
| Noncurrent loans to loans | 3.0044% | 167 |
| Net loans and leases to total assets | 42.6429% | 3,927 |
| Net loans and leases to deposits | 45.2935% | 4,053 |
| Net loans and leases to core deposits | 54.1303% | 3,687 |
| Total domestic deposits to total assets | 94.1479% | 259 |
| Equity capital to assets | 5.3812% | 4,400 |
| Core capital (leverage) ratio | 8.7469% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8749% | 1,206 |
| Memoranda: | ||
| Average total assets | $497,268,000 | 1,732 |
| Average earning assets | $471,707,667 | 1,717 |
| Average equity | $42,885,000 | 1,900 |
| Average total loans | $221,154,333 | 2,102 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3155% | 2,338 |
| Cost of funding earning assets | 0.1236% | 3,856 |
| Net interest margin | 3.1919% | 1,910 |
| Noninterest income to average assets | 1.0285% | 647 |
| Noninterest expense to average assets | 2.5042% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4880% | 649 |
| Return on assets (ROA) | 1.4942% | 635 |
| Pretax return on assets | 1.5625% | 895 |
| Return on Equity (ROE) | 14.5854% | 722 |
| Retained earnings to average equity (ytd only) | 14.5854% | 324 |
| Net charge-offs to loans | 0.5871% | 117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.8994% | 1,586 |
| Efficiency ratio | 61.3785% | 3,338 |
| Assets per employee ($millions) | 5.7943% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 482 |
| Loan loss allowance to noncurrent loans | 70.3784% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 331 |
| Noncurrent loans to loans | 3.0552% | 170 |
| Net loans and leases to total assets | 40.6708% | 3,966 |
| Net loans and leases to deposits | 44.8110% | 4,028 |
| Net loans and leases to core deposits | 52.8487% | 3,674 |
| Total domestic deposits to total assets | 90.7607% | 1,155 |
| Equity capital to assets | 8.8008% | 2,874 |
| Core capital (leverage) ratio | 9.0494% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4774% | 1,150 |
| Memoranda: | ||
| Average total assets | $497,400,000 | 1,741 |
| Average earning assets | $472,450,500 | 1,724 |
| Average equity | $50,955,000 | 1,715 |
| Average total loans | $223,473,500 | 2,087 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 1,747 |
| Cost of funding earning assets | 0.1500% | 3,978 |
| Net interest margin | 3.6978% | 1,220 |
| Noninterest income to average assets | 1.2421% | 687 |
| Noninterest expense to average assets | 2.4804% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1419% | 269 |
| Return on assets (ROA) | 2.1490% | 284 |
| Pretax return on assets | 2.2726% | 357 |
| Return on Equity (ROE) | 18.4135% | 428 |
| Retained earnings to average equity (ytd only) | 0.1639% | 4,446 |
| Net charge-offs to loans | 0.0806% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,204 |
| Efficiency ratio | 52.0171% | 4,113 |
| Assets per employee ($millions) | 5.3878% | 3,371 |
| Cash dividends to net income (ytd only)* | 99.1101% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0786% | 540 |
| Loan loss allowance to noncurrent loans | 73.9367% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 328 |
| Noncurrent loans to loans | 2.8114% | 221 |
| Net loans and leases to total assets | 47.4582% | 3,547 |
| Net loans and leases to deposits | 54.0793% | 3,595 |
| Net loans and leases to core deposits | 64.4515% | 2,939 |
| Total domestic deposits to total assets | 87.7565% | 2,171 |
| Equity capital to assets | 11.7621% | 1,361 |
| Core capital (leverage) ratio | 9.1424% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9723% | 1,271 |
| Memoranda: | ||
| Average total assets | $496,739,800 | 1,705 |
| Average earning assets | $470,630,400 | 1,685 |
| Average equity | $57,973,800 | 1,561 |
| Average total loans | $240,744,800 | 1,987 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 1,722 |
| Cost of funding earning assets | 0.1541% | 4,077 |
| Net interest margin | 3.7602% | 1,206 |
| Noninterest income to average assets | 1.1975% | 790 |
| Noninterest expense to average assets | 2.4049% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1615% | 345 |
| Return on assets (ROA) | 2.1762% | 357 |
| Pretax return on assets | 2.3710% | 410 |
| Return on Equity (ROE) | 18.6818% | 549 |
| Retained earnings to average equity (ytd only) | 3.1060% | 3,867 |
| Net charge-offs to loans | -0.0297% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2775% | 4,198 |
| Assets per employee ($millions) | 5.4235% | 3,281 |
| Cash dividends to net income (ytd only)* | 83.3742% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2550% | 419 |
| Loan loss allowance to noncurrent loans | 72.2856% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 353 |
| Noncurrent loans to loans | 3.1195% | 205 |
| Net loans and leases to total assets | 45.0820% | 3,864 |
| Net loans and leases to deposits | 52.3215% | 3,859 |
| Net loans and leases to core deposits | 62.1255% | 3,309 |
| Total domestic deposits to total assets | 86.1636% | 2,684 |
| Equity capital to assets | 12.1865% | 1,317 |
| Core capital (leverage) ratio | 9.2900% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8978% | 1,150 |
| Memoranda: | ||
| Average total assets | $499,699,000 | 1,711 |
| Average earning assets | $473,400,000 | 1,691 |
| Average equity | $58,208,500 | 1,574 |
| Average total loans | $242,178,250 | 2,010 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 2,521 |
| Cost of funding earning assets | 0.1670% | 4,069 |
| Net interest margin | 3.4659% | 1,958 |
| Noninterest income to average assets | 1.0140% | 1,047 |
| Noninterest expense to average assets | 2.4008% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6408% | 963 |
| Return on assets (ROA) | 1.6566% | 994 |
| Pretax return on assets | 1.9237% | 971 |
| Return on Equity (ROE) | 14.4398% | 1,298 |
| Retained earnings to average equity (ytd only) | 5.7537% | 2,905 |
| Net charge-offs to loans | -0.0332% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4753% | 3,606 |
| Assets per employee ($millions) | 5.5105% | 3,111 |
| Cash dividends to net income (ytd only)* | 60.1540% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1581% | 463 |
| Loan loss allowance to noncurrent loans | 78.4281% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 512 |
| Noncurrent loans to loans | 2.7517% | 281 |
| Net loans and leases to total assets | 45.2860% | 3,956 |
| Net loans and leases to deposits | 51.8689% | 4,004 |
| Net loans and leases to core deposits | 61.8332% | 3,476 |
| Total domestic deposits to total assets | 87.3086% | 2,167 |
| Equity capital to assets | 11.5776% | 1,585 |
| Core capital (leverage) ratio | 9.1259% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1395% | 1,089 |
| Memoranda: | ||
| Average total assets | $501,752,667 | 1,709 |
| Average earning assets | $476,592,667 | 1,681 |
| Average equity | $57,563,000 | 1,580 |
| Average total loans | $247,027,667 | 1,983 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6210% | 2,578 |
| Cost of funding earning assets | 0.1594% | 4,240 |
| Net interest margin | 3.4616% | 1,928 |
| Noninterest income to average assets | 0.9428% | 1,231 |
| Noninterest expense to average assets | 2.4876% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3697% | 1,636 |
| Return on assets (ROA) | 1.3900% | 1,675 |
| Pretax return on assets | 1.7712% | 1,354 |
| Return on Equity (ROE) | 12.1739% | 1,957 |
| Retained earnings to average equity (ytd only) | 8.6453% | 2,051 |
| Net charge-offs to loans | -0.0175% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4809% | 3,238 |
| Assets per employee ($millions) | 5.5534% | 3,066 |
| Cash dividends to net income (ytd only)* | 28.9855% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 547 |
| Loan loss allowance to noncurrent loans | 76.8302% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 533 |
| Noncurrent loans to loans | 2.6586% | 334 |
| Net loans and leases to total assets | 48.3026% | 3,782 |
| Net loans and leases to deposits | 55.0691% | 3,862 |
| Net loans and leases to core deposits | 65.9068% | 3,250 |
| Total domestic deposits to total assets | 87.7128% | 1,992 |
| Equity capital to assets | 10.9235% | 1,923 |
| Core capital (leverage) ratio | 9.2150% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4771% | 1,436 |
| Memoranda: | ||
| Average total assets | $496,392,000 | 1,709 |
| Average earning assets | $471,801,000 | 1,676 |
| Average equity | $56,678,500 | 1,593 |
| Average total loans | $251,942,500 | 1,952 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,073 |
| Cost of funding earning assets | 0.2671% | 4,306 |
| Net interest margin | 3.9562% | 1,071 |
| Noninterest income to average assets | 1.0213% | 1,013 |
| Noninterest expense to average assets | 2.6058% | 2,532 |
| Loan and lease loss provision to assets | 0.2858% | 1,329 |
| Net operating income to assets | 1.6021% | 635 |
| Return on assets (ROA) | 1.9007% | 342 |
| Pretax return on assets | 2.2144% | 295 |
| Return on Equity (ROE) | 15.4768% | 568 |
| Retained earnings to average equity (ytd only) | -11.4735% | 4,925 |
| Net charge-offs to loans | -0.0331% | 4,566 |
| Credit loss provision to net charge-offs | -1,505.8824% | 4,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5135% | 4,156 |
| Assets per employee ($millions) | 5.2411% | 3,104 |
| Cash dividends to net income (ytd only)* | 174.1337% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 597 |
| Loan loss allowance to noncurrent loans | 58.0192% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 344 |
| Noncurrent loans to loans | 3.4371% | 209 |
| Net loans and leases to total assets | 51.2109% | 3,734 |
| Net loans and leases to deposits | 59.0025% | 3,827 |
| Net loans and leases to core deposits | 70.4276% | 3,229 |
| Total domestic deposits to total assets | 86.7944% | 2,039 |
| Equity capital to assets | 11.9309% | 1,611 |
| Core capital (leverage) ratio | 9.3500% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2649% | 1,460 |
| Memoranda: | ||
| Average total assets | $447,881,000 | 1,709 |
| Average earning assets | $423,133,800 | 1,682 |
| Average equity | $55,005,000 | 1,559 |
| Average total loans | $256,482,800 | 1,891 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,169 |
| Cost of funding earning assets | 0.2967% | 4,327 |
| Net interest margin | 3.9811% | 1,155 |
| Noninterest income to average assets | 1.0000% | 1,023 |
| Noninterest expense to average assets | 2.6143% | 2,497 |
| Loan and lease loss provision to assets | 0.3897% | 927 |
| Net operating income to assets | 1.6465% | 651 |
| Return on assets (ROA) | 1.8889% | 417 |
| Pretax return on assets | 2.0121% | 506 |
| Return on Equity (ROE) | 15.2591% | 650 |
| Retained earnings to average equity (ytd only) | -11.3588% | 4,945 |
| Net charge-offs to loans | 0.0021% | 3,124 |
| Credit loss provision to net charge-offs | 32,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,760.7500% | 65 |
| Efficiency ratio | 54.7054% | 4,073 |
| Assets per employee ($millions) | 5.0958% | 3,117 |
| Cash dividends to net income (ytd only)* | 174.4400% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 687 |
| Loan loss allowance to noncurrent loans | 56.8159% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.8730% | 387 |
| Noncurrent loans to loans | 3.2031% | 276 |
| Net loans and leases to total assets | 57.4114% | 3,476 |
| Net loans and leases to deposits | 67.7977% | 3,483 |
| Net loans and leases to core deposits | 82.3854% | 2,634 |
| Total domestic deposits to total assets | 84.6806% | 2,561 |
| Equity capital to assets | 12.6721% | 1,341 |
| Core capital (leverage) ratio | 9.9143% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9570% | 1,512 |
| Memoranda: | ||
| Average total assets | $437,995,750 | 1,718 |
| Average earning assets | $413,474,250 | 1,696 |
| Average equity | $54,217,750 | 1,564 |
| Average total loans | $256,930,500 | 1,878 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,501 |
| Cost of funding earning assets | 0.3336% | 4,346 |
| Net interest margin | 4.3290% | 708 |
| Noninterest income to average assets | 1.0147% | 955 |
| Noninterest expense to average assets | 2.7092% | 2,358 |
| Loan and lease loss provision to assets | 0.4325% | 904 |
| Net operating income to assets | 1.8108% | 487 |
| Return on assets (ROA) | 1.8269% | 523 |
| Pretax return on assets | 1.9742% | 575 |
| Return on Equity (ROE) | 14.8121% | 736 |
| Retained earnings to average equity (ytd only) | -24.3280% | 5,020 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9347% | 4,283 |
| Assets per employee ($millions) | 5.1395% | 3,010 |
| Cash dividends to net income (ytd only)* | 264.2437% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 863 |
| Loan loss allowance to noncurrent loans | 51.0004% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 404 |
| Noncurrent loans to loans | 3.2858% | 262 |
| Net loans and leases to total assets | 56.9463% | 3,612 |
| Net loans and leases to deposits | 67.9080% | 3,575 |
| Net loans and leases to core deposits | 81.0459% | 2,865 |
| Total domestic deposits to total assets | 83.8580% | 2,796 |
| Equity capital to assets | 11.9164% | 1,717 |
| Core capital (leverage) ratio | 9.6284% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1052% | 1,766 |
| Memoranda: | ||
| Average total assets | $427,722,333 | 1,723 |
| Average earning assets | $403,514,333 | 1,700 |
| Average equity | $52,754,000 | 1,586 |
| Average total loans | $251,193,000 | 1,894 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 2,523 |
| Cost of funding earning assets | 0.4172% | 4,301 |
| Net interest margin | 4.0071% | 1,373 |
| Noninterest income to average assets | 1.0840% | 721 |
| Noninterest expense to average assets | 2.9002% | 2,122 |
| Loan and lease loss provision to assets | 0.2981% | 1,040 |
| Net operating income to assets | 1.4347% | 916 |
| Return on assets (ROA) | 1.4546% | 940 |
| Pretax return on assets | 1.6781% | 896 |
| Return on Equity (ROE) | 11.5611% | 1,240 |
| Retained earnings to average equity (ytd only) | -69.9669% | 5,099 |
| Net charge-offs to loans | 0.0034% | 2,466 |
| Credit loss provision to net charge-offs | 15,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 983.0000% | 52 |
| Efficiency ratio | 59.7544% | 3,769 |
| Assets per employee ($millions) | 4.8979% | 2,754 |
| Cash dividends to net income (ytd only)* | 705.1913% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,084 |
| Loan loss allowance to noncurrent loans | 44.4137% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0717% | 391 |
| Noncurrent loans to loans | 3.5912% | 254 |
| Net loans and leases to total assets | 56.7700% | 3,772 |
| Net loans and leases to deposits | 64.8436% | 3,933 |
| Net loans and leases to core deposits | 78.1073% | 3,347 |
| Total domestic deposits to total assets | 87.5491% | 1,305 |
| Equity capital to assets | 11.5388% | 2,403 |
| Core capital (leverage) ratio | 9.8085% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7978% | 1,397 |
| Memoranda: | ||
| Average total assets | $402,598,000 | 1,761 |
| Average earning assets | $378,729,500 | 1,745 |
| Average equity | $50,652,500 | 1,646 |
| Average total loans | $238,376,500 | 1,936 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 1,958 |
| Cost of funding earning assets | 0.4478% | 4,276 |
| Net interest margin | 4.3803% | 934 |
| Noninterest income to average assets | 1.3920% | 492 |
| Noninterest expense to average assets | 3.3683% | 1,169 |
| Loan and lease loss provision to assets | 0.8874% | 115 |
| Net operating income to assets | 1.0906% | 2,474 |
| Return on assets (ROA) | 1.3577% | 1,560 |
| Pretax return on assets | 1.5781% | 1,551 |
| Return on Equity (ROE) | 9.5354% | 2,503 |
| Retained earnings to average equity (ytd only) | 1.6468% | 4,144 |
| Net charge-offs to loans | 1.9755% | 61 |
| Credit loss provision to net charge-offs | 69.9734% | 2,913 |
| Earnings coverage of net charge-offs (x) | 1.6993% | 3,506 |
| Efficiency ratio | 60.9843% | 3,538 |
| Assets per employee ($millions) | 4.5590% | 3,144 |
| Cash dividends to net income (ytd only)* | 82.7301% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 887 |
| Loan loss allowance to noncurrent loans | 37.1932% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.7033% | 219 |
| Noncurrent loans to loans | 4.4315% | 132 |
| Net loans and leases to total assets | 59.9976% | 3,581 |
| Net loans and leases to deposits | 69.9736% | 3,677 |
| Net loans and leases to core deposits | 83.2257% | 3,020 |
| Total domestic deposits to total assets | 85.7432% | 2,167 |
| Equity capital to assets | 13.8122% | 1,165 |
| Core capital (leverage) ratio | 11.9202% | 1,829 |
| Tier 1 risk-based capital ratio | 18.0010% | 1,760 |
| Total risk-based capital ratio | 19.2554% | 1,713 |
| Memoranda: | ||
| Average total assets | $356,115,600 | 1,887 |
| Average earning assets | $335,864,200 | 1,860 |
| Average equity | $50,705,800 | 1,578 |
| Average total loans | $228,605,400 | 1,965 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 1,810 |
| Cost of funding earning assets | 0.4562% | 4,311 |
| Net interest margin | 4.4462% | 860 |
| Noninterest income to average assets | 1.4073% | 456 |
| Noninterest expense to average assets | 3.5855% | 861 |
| Loan and lease loss provision to assets | 0.8956% | 109 |
| Net operating income to assets | 0.9066% | 3,321 |
| Return on assets (ROA) | 1.2402% | 2,131 |
| Pretax return on assets | 1.5369% | 1,846 |
| Return on Equity (ROE) | 8.6428% | 3,035 |
| Retained earnings to average equity (ytd only) | 2.3226% | 4,170 |
| Net charge-offs to loans | 1.4865% | 85 |
| Credit loss provision to net charge-offs | 92.6505% | 2,366 |
| Earnings coverage of net charge-offs (x) | 2.0903% | 3,220 |
| Efficiency ratio | 63.9569% | 3,011 |
| Assets per employee ($millions) | 4.3073% | 3,475 |
| Cash dividends to net income (ytd only)* | 73.1262% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 366 |
| Loan loss allowance to noncurrent loans | 40.6006% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 3.4530% | 145 |
| Noncurrent loans to loans | 5.2653% | 97 |
| Net loans and leases to total assets | 64.0443% | 3,285 |
| Net loans and leases to deposits | 75.6724% | 3,328 |
| Net loans and leases to core deposits | 90.6573% | 2,495 |
| Total domestic deposits to total assets | 84.6336% | 2,563 |
| Equity capital to assets | 14.6786% | 933 |
| Core capital (leverage) ratio | 12.1624% | 1,751 |
| Tier 1 risk-based capital ratio | 18.1248% | 1,779 |
| Total risk-based capital ratio | 19.3853% | 1,737 |
| Memoranda: | ||
| Average total assets | $352,823,750 | 1,912 |
| Average earning assets | $333,192,500 | 1,885 |
| Average equity | $50,630,750 | 1,583 |
| Average total loans | $229,438,250 | 1,976 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 1,613 |
| Cost of funding earning assets | 0.4507% | 4,322 |
| Net interest margin | 4.4999% | 769 |
| Noninterest income to average assets | 1.5113% | 397 |
| Noninterest expense to average assets | 3.4247% | 1,064 |
| Loan and lease loss provision to assets | 0.6692% | 162 |
| Net operating income to assets | 1.4156% | 1,389 |
| Return on assets (ROA) | 1.4204% | 1,427 |
| Pretax return on assets | 1.6745% | 1,326 |
| Return on Equity (ROE) | 9.9728% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,435 |
| Net charge-offs to loans | 2.0643% | 49 |
| Credit loss provision to net charge-offs | 49.9578% | 2,477 |
| Earnings coverage of net charge-offs (x) | 1.7454% | 2,999 |
| Efficiency ratio | 59.4277% | 3,803 |
| Assets per employee ($millions) | 4.1408% | 3,665 |
| Cash dividends to net income (ytd only)* | 63.6183% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 797 |
| Loan loss allowance to noncurrent loans | 62.8359% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.7553% | 585 |
| Noncurrent loans to loans | 2.7254% | 396 |
| Net loans and leases to total assets | 63.2999% | 3,417 |
| Net loans and leases to deposits | 74.8652% | 3,439 |
| Net loans and leases to core deposits | 89.4915% | 2,638 |
| Total domestic deposits to total assets | 84.5519% | 2,664 |
| Equity capital to assets | 14.7583% | 876 |
| Core capital (leverage) ratio | 12.0675% | 1,787 |
| Tier 1 risk-based capital ratio | 17.6093% | 1,906 |
| Total risk-based capital ratio | 18.8640% | 1,858 |
| Memoranda: | ||
| Average total assets | $354,135,000 | 1,915 |
| Average earning assets | $334,586,330 | 1,891 |
| Average equity | $50,437,000 | 1,581 |
| Average total loans | $229,809,330 | 1,976 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 1,856 |
| Cost of funding earning assets | 0.4402% | 4,331 |
| Net interest margin | 4.3774% | 948 |
| Noninterest income to average assets | 1.6035% | 346 |
| Noninterest expense to average assets | 3.4154% | 1,092 |
| Loan and lease loss provision to assets | 0.6678% | 151 |
| Net operating income to assets | 1.3994% | 1,381 |
| Return on assets (ROA) | 1.4042% | 1,394 |
| Pretax return on assets | 1.6576% | 1,316 |
| Return on Equity (ROE) | 10.0397% | 2,353 |
| Retained earnings to average equity (ytd only) | 3.5988% | 3,480 |
| Net charge-offs to loans | 0.0277% | 1,902 |
| Credit loss provision to net charge-offs | 3,706.2500% | 116 |
| Earnings coverage of net charge-offs (x) | 128.7500% | 563 |
| Efficiency ratio | 59.5523% | 3,874 |
| Assets per employee ($millions) | 4.4299% | 3,287 |
| Cash dividends to net income (ytd only)* | 64.1540% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4738% | 255 |
| Loan loss allowance to noncurrent loans | 62.2698% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.5908% | 287 |
| Noncurrent loans to loans | 3.9727% | 194 |
| Net loans and leases to total assets | 63.6018% | 3,334 |
| Net loans and leases to deposits | 74.8456% | 3,371 |
| Net loans and leases to core deposits | 89.5963% | 2,539 |
| Total domestic deposits to total assets | 84.9774% | 2,685 |
| Equity capital to assets | 14.3880% | 912 |
| Core capital (leverage) ratio | 11.9993% | 1,772 |
| Tier 1 risk-based capital ratio | 17.1672% | 2,056 |
| Total risk-based capital ratio | 18.4304% | 2,000 |
| Memoranda: | ||
| Average total assets | $355,216,500 | 1,930 |
| Average earning assets | $335,270,500 | 1,899 |
| Average equity | $49,683,000 | 1,588 |
| Average total loans | $231,374,000 | 1,985 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 998 |
| Cost of funding earning assets | 0.4423% | 3,725 |
| Net interest margin | 4.5807% | 629 |
| Noninterest income to average assets | 1.1850% | 658 |
| Noninterest expense to average assets | 3.1205% | 1,745 |
| Loan and lease loss provision to assets | 0.3541% | 426 |
| Net operating income to assets | 1.6146% | 840 |
| Return on assets (ROA) | 1.7082% | 668 |
| Pretax return on assets | 2.0763% | 466 |
| Return on Equity (ROE) | 12.1548% | 1,660 |
| Retained earnings to average equity (ytd only) | 0.1580% | 4,940 |
| Net charge-offs to loans | 0.0432% | 2,550 |
| Credit loss provision to net charge-offs | 1,272.7273% | 318 |
| Earnings coverage of net charge-offs (x) | 83.2626% | 844 |
| Efficiency ratio | 57.3961% | 4,233 |
| Assets per employee ($millions) | 4.4502% | 3,242 |
| Cash dividends to net income (ytd only)* | 98.7004% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1615% | 358 |
| Loan loss allowance to noncurrent loans | 61.0208% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.3045% | 357 |
| Noncurrent loans to loans | 3.5422% | 245 |
| Net loans and leases to total assets | 63.6531% | 3,390 |
| Net loans and leases to deposits | 74.0029% | 3,501 |
| Net loans and leases to core deposits | 86.3506% | 2,886 |
| Total domestic deposits to total assets | 86.0143% | 2,223 |
| Equity capital to assets | 13.5970% | 1,108 |
| Core capital (leverage) ratio | 12.0013% | 1,733 |
| Tier 1 risk-based capital ratio | 16.6744% | 2,178 |
| Total risk-based capital ratio | 17.9344% | 2,121 |
| Memoranda: | ||
| Average total assets | $355,877,400 | 1,895 |
| Average earning assets | $330,322,400 | 1,888 |
| Average equity | $50,013,200 | 1,521 |
| Average total loans | $229,383,600 | 1,950 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 824 |
| Cost of funding earning assets | 0.4710% | 3,387 |
| Net interest margin | 4.5874% | 616 |
| Noninterest income to average assets | 1.1885% | 664 |
| Noninterest expense to average assets | 3.1054% | 1,758 |
| Loan and lease loss provision to assets | 0.3552% | 380 |
| Net operating income to assets | 1.6565% | 826 |
| Return on assets (ROA) | 1.7831% | 620 |
| Pretax return on assets | 2.1251% | 455 |
| Return on Equity (ROE) | 12.5841% | 1,584 |
| Retained earnings to average equity (ytd only) | 6.2178% | 2,541 |
| Net charge-offs to loans | 0.0520% | 2,086 |
| Credit loss provision to net charge-offs | 1,061.7978% | 400 |
| Earnings coverage of net charge-offs (x) | 69.6426% | 962 |
| Efficiency ratio | 57.1369% | 4,235 |
| Assets per employee ($millions) | 4.3181% | 3,402 |
| Cash dividends to net income (ytd only)* | 50.5902% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0462% | 449 |
| Loan loss allowance to noncurrent loans | 1,556.5359% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,526 |
| Noncurrent loans to loans | 0.1315% | 4,288 |
| Net loans and leases to total assets | 66.0042% | 3,173 |
| Net loans and leases to deposits | 79.1988% | 3,124 |
| Net loans and leases to core deposits | 94.3258% | 2,254 |
| Total domestic deposits to total assets | 83.3399% | 3,184 |
| Equity capital to assets | 14.6696% | 794 |
| Core capital (leverage) ratio | 12.1539% | 1,690 |
| Tier 1 risk-based capital ratio | 17.8701% | 1,823 |
| Total risk-based capital ratio | 19.1297% | 1,786 |
| Memoranda: | ||
| Average total assets | $354,729,750 | 1,907 |
| Average earning assets | $328,370,000 | 1,907 |
| Average equity | $50,263,250 | 1,516 |
| Average total loans | $228,100,000 | 1,965 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0063% | 806 |
| Cost of funding earning assets | 0.5032% | 2,990 |
| Net interest margin | 4.5031% | 698 |
| Noninterest income to average assets | 1.1849% | 679 |
| Noninterest expense to average assets | 2.9920% | 2,062 |
| Loan and lease loss provision to assets | 0.3521% | 368 |
| Net operating income to assets | 1.7461% | 662 |
| Return on assets (ROA) | 1.8568% | 514 |
| Pretax return on assets | 2.1083% | 483 |
| Return on Equity (ROE) | 13.2547% | 1,280 |
| Retained earnings to average equity (ytd only) | 6.8707% | 2,131 |
| Net charge-offs to loans | 0.1510% | 1,022 |
| Credit loss provision to net charge-offs | 368.4211% | 873 |
| Earnings coverage of net charge-offs (x) | 24.4269% | 1,679 |
| Efficiency ratio | 56.1700% | 4,460 |
| Assets per employee ($millions) | 4.1251% | 3,689 |
| Cash dividends to net income (ytd only)* | 48.1638% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 597 |
| Loan loss allowance to noncurrent loans | 1,368.9655% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,558 |
| Noncurrent loans to loans | 0.1410% | 4,265 |
| Net loans and leases to total assets | 63.2770% | 3,478 |
| Net loans and leases to deposits | 74.4230% | 3,493 |
| Net loans and leases to core deposits | 87.9331% | 2,725 |
| Total domestic deposits to total assets | 85.0235% | 2,662 |
| Equity capital to assets | 14.4372% | 821 |
| Core capital (leverage) ratio | 10.8910% | 2,621 |
| Tier 1 risk-based capital ratio | 18.0244% | 1,790 |
| Total risk-based capital ratio | 19.2818% | 1,755 |
| Memoranda: | ||
| Average total assets | $357,823,330 | 1,901 |
| Average earning assets | $329,104,330 | 1,912 |
| Average equity | $50,125,670 | 1,520 |
| Average total loans | $226,542,000 | 1,981 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 857 |
| Cost of funding earning assets | 0.4580% | 3,146 |
| Net interest margin | 4.4490% | 686 |
| Noninterest income to average assets | 1.1521% | 696 |
| Noninterest expense to average assets | 3.0214% | 2,022 |
| Loan and lease loss provision to assets | 0.3486% | 350 |
| Net operating income to assets | 1.6292% | 801 |
| Return on assets (ROA) | 1.8450% | 518 |
| Pretax return on assets | 2.0774% | 492 |
| Return on Equity (ROE) | 13.3688% | 1,169 |
| Retained earnings to average equity (ytd only) | 6.9530% | 2,299 |
| Net charge-offs to loans | -0.4711% | 5,494 |
| Credit loss provision to net charge-offs | -117.9775% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0481% | 4,331 |
| Assets per employee ($millions) | 4.3464% | 3,404 |
| Cash dividends to net income (ytd only)* | 47.9904% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 548 |
| Loan loss allowance to noncurrent loans | 399.1111% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 3,153 |
| Noncurrent loans to loans | 0.5006% | 3,013 |
| Net loans and leases to total assets | 61.0446% | 3,642 |
| Net loans and leases to deposits | 75.5359% | 3,264 |
| Net loans and leases to core deposits | 90.6203% | 2,403 |
| Total domestic deposits to total assets | 80.8155% | 4,241 |
| Equity capital to assets | 13.7911% | 945 |
| Core capital (leverage) ratio | 10.5297% | 2,915 |
| Tier 1 risk-based capital ratio | 17.4450% | 1,992 |
| Total risk-based capital ratio | 18.7027% | 1,943 |
| Memoranda: | ||
| Average total assets | $361,417,000 | 1,889 |
| Average earning assets | $329,245,000 | 1,927 |
| Average equity | $49,877,500 | 1,536 |
| Average total loans | $226,693,500 | 1,987 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 1,184 |
| Cost of funding earning assets | 0.3194% | 3,959 |
| Net interest margin | 4.3845% | 799 |
| Noninterest income to average assets | 1.1805% | 742 |
| Noninterest expense to average assets | 2.8426% | 2,639 |
| Loan and lease loss provision to assets | 1.0186% | 96 |
| Net operating income to assets | 1.3476% | 1,121 |
| Return on assets (ROA) | 1.3960% | 1,045 |
| Pretax return on assets | 1.5045% | 1,628 |
| Return on Equity (ROE) | 9.9260% | 1,922 |
| Retained earnings to average equity (ytd only) | 0.2295% | 4,929 |
| Net charge-offs to loans | 1.2174% | 135 |
| Credit loss provision to net charge-offs | 134.7570% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.2691% | 3,634 |
| Efficiency ratio | 53.4960% | 4,988 |
| Assets per employee ($millions) | 4.4156% | 3,326 |
| Cash dividends to net income (ytd only)* | 97.6874% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 932 |
| Loan loss allowance to noncurrent loans | 410.0735% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 3,385 |
| Noncurrent loans to loans | 0.4167% | 3,277 |
| Net loans and leases to total assets | 62.0769% | 3,614 |
| Net loans and leases to deposits | 74.4691% | 3,477 |
| Net loans and leases to core deposits | 89.3134% | 2,624 |
| Total domestic deposits to total assets | 83.3592% | 3,441 |
| Equity capital to assets | 13.8099% | 959 |
| Core capital (leverage) ratio | 10.2933% | 3,078 |
| Tier 1 risk-based capital ratio | 16.7537% | 2,174 |
| Total risk-based capital ratio | 18.0082% | 2,121 |
| Memoranda: | ||
| Average total assets | $359,324,400 | 1,872 |
| Average earning assets | $338,717,400 | 1,849 |
| Average equity | $50,533,800 | 1,507 |
| Average total loans | $223,095,200 | 1,981 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 1,328 |
| Cost of funding earning assets | 0.2900% | 4,231 |
| Net interest margin | 4.3260% | 866 |
| Noninterest income to average assets | 1.0770% | 879 |
| Noninterest expense to average assets | 2.7998% | 2,726 |
| Loan and lease loss provision to assets | 1.0577% | 100 |
| Net operating income to assets | 1.2109% | 1,647 |
| Return on assets (ROA) | 1.2715% | 1,458 |
| Pretax return on assets | 1.3718% | 2,210 |
| Return on Equity (ROE) | 8.9998% | 2,597 |
| Retained earnings to average equity (ytd only) | 2.6842% | 4,292 |
| Net charge-offs to loans | 1.1000% | 151 |
| Credit loss provision to net charge-offs | 155.5495% | 1,644 |
| Earnings coverage of net charge-offs (x) | 3.4773% | 3,335 |
| Efficiency ratio | 54.2150% | 4,921 |
| Assets per employee ($millions) | 4.2242% | 3,599 |
| Cash dividends to net income (ytd only)* | 70.1754% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 878 |
| Loan loss allowance to noncurrent loans | 160.2900% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 2,125 |
| Noncurrent loans to loans | 1.1128% | 1,728 |
| Net loans and leases to total assets | 61.7602% | 3,676 |
| Net loans and leases to deposits | 75.5007% | 3,423 |
| Net loans and leases to core deposits | 92.0610% | 2,435 |
| Total domestic deposits to total assets | 81.8008% | 3,831 |
| Equity capital to assets | 14.5355% | 846 |
| Core capital (leverage) ratio | 10.6705% | 2,798 |
| Tier 1 risk-based capital ratio | 17.4615% | 2,020 |
| Total risk-based capital ratio | 18.7167% | 1,967 |
| Memoranda: | ||
| Average total assets | $358,635,500 | 1,889 |
| Average earning assets | $338,839,500 | 1,859 |
| Average equity | $50,666,500 | 1,521 |
| Average total loans | $221,700,000 | 1,995 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,396 |
| Cost of funding earning assets | 0.2742% | 4,340 |
| Net interest margin | 4.2738% | 927 |
| Noninterest income to average assets | 1.0708% | 878 |
| Noninterest expense to average assets | 2.8535% | 2,570 |
| Loan and lease loss provision to assets | 0.5168% | 223 |
| Net operating income to assets | 1.5945% | 720 |
| Return on assets (ROA) | 1.6793% | 602 |
| Pretax return on assets | 1.8294% | 783 |
| Return on Equity (ROE) | 12.0008% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.6470% | 2,327 |
| Net charge-offs to loans | 0.1609% | 1,200 |
| Credit loss provision to net charge-offs | 522.4719% | 640 |
| Earnings coverage of net charge-offs (x) | 22.7865% | 1,698 |
| Efficiency ratio | 55.8699% | 4,844 |
| Assets per employee ($millions) | 4.2515% | 3,514 |
| Cash dividends to net income (ytd only)* | 52.9451% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,102 |
| Loan loss allowance to noncurrent loans | 100.7319% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 1,534 |
| Noncurrent loans to loans | 1.6642% | 1,102 |
| Net loans and leases to total assets | 60.3118% | 3,817 |
| Net loans and leases to deposits | 73.0379% | 3,645 |
| Net loans and leases to core deposits | 87.8570% | 2,713 |
| Total domestic deposits to total assets | 82.5759% | 3,690 |
| Equity capital to assets | 14.4084% | 851 |
| Core capital (leverage) ratio | 10.6522% | 2,757 |
| Tier 1 risk-based capital ratio | 17.6074% | 1,971 |
| Total risk-based capital ratio | 18.8611% | 1,928 |
| Memoranda: | ||
| Average total assets | $359,904,330 | 1,885 |
| Average earning assets | $339,931,000 | 1,854 |
| Average equity | $50,363,330 | 1,529 |
| Average total loans | $221,225,670 | 2,001 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,504 |
| Cost of funding earning assets | 0.2274% | 4,736 |
| Net interest margin | 4.2211% | 946 |
| Noninterest income to average assets | 0.9645% | 1,070 |
| Noninterest expense to average assets | 2.8755% | 2,532 |
| Loan and lease loss provision to assets | 0.3508% | 339 |
| Net operating income to assets | 1.5050% | 801 |
| Return on assets (ROA) | 1.6572% | 613 |
| Pretax return on assets | 1.9022% | 631 |
| Return on Equity (ROE) | 12.0217% | 1,232 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,561 |
| Net charge-offs to loans | 0.0489% | 1,875 |
| Credit loss provision to net charge-offs | 1,166.6667% | 272 |
| Earnings coverage of net charge-offs (x) | 69.1111% | 731 |
| Efficiency ratio | 58.0486% | 4,708 |
| Assets per employee ($millions) | 4.2892% | 3,518 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 1,720 |
| Loan loss allowance to noncurrent loans | 75.8219% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 1,272 |
| Noncurrent loans to loans | 1.9688% | 908 |
| Net loans and leases to total assets | 61.0154% | 3,662 |
| Net loans and leases to deposits | 71.9888% | 3,611 |
| Net loans and leases to core deposits | 86.8779% | 2,646 |
| Total domestic deposits to total assets | 84.7568% | 3,186 |
| Equity capital to assets | 14.2185% | 843 |
| Core capital (leverage) ratio | 10.4977% | 2,904 |
| Tier 1 risk-based capital ratio | 17.5711% | 2,015 |
| Total risk-based capital ratio | 18.8227% | 1,967 |
| Memoranda: | ||
| Average total assets | $359,167,000 | 1,895 |
| Average earning assets | $339,441,000 | 1,873 |
| Average equity | $49,510,500 | 1,546 |
| Average total loans | $221,003,500 | 2,017 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,195 |
| Cost of funding earning assets | 0.1846% | 5,163 |
| Net interest margin | 4.0993% | 1,378 |
| Noninterest income to average assets | 1.0517% | 1,018 |
| Noninterest expense to average assets | 2.6773% | 3,425 |
| Loan and lease loss provision to assets | 0.3305% | 538 |
| Net operating income to assets | 1.6313% | 634 |
| Return on assets (ROA) | 1.6402% | 650 |
| Pretax return on assets | 1.9376% | 576 |
| Return on Equity (ROE) | 11.5864% | 1,369 |
| Retained earnings to average equity (ytd only) | 0.3035% | 5,195 |
| Net charge-offs to loans | 1.4251% | 104 |
| Credit loss provision to net charge-offs | 39.7878% | 3,494 |
| Earnings coverage of net charge-offs (x) | 2.7182% | 3,781 |
| Efficiency ratio | 54.0960% | 5,234 |
| Assets per employee ($millions) | 4.6408% | 2,898 |
| Cash dividends to net income (ytd only)* | 97.3808% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,418 |
| Loan loss allowance to noncurrent loans | 75.6122% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 1,509 |
| Noncurrent loans to loans | 1.7488% | 1,099 |
| Net loans and leases to total assets | 60.3325% | 3,809 |
| Net loans and leases to deposits | 73.7967% | 3,534 |
| Net loans and leases to core deposits | 87.5339% | 2,720 |
| Total domestic deposits to total assets | 81.7551% | 4,141 |
| Equity capital to assets | 13.3688% | 1,105 |
| Core capital (leverage) ratio | 10.1789% | 3,254 |
| Tier 1 risk-based capital ratio | 16.7423% | 2,255 |
| Total risk-based capital ratio | 17.9612% | 2,204 |
| Memoranda: | ||
| Average total assets | $363,125,000 | 1,838 |
| Average earning assets | $343,982,600 | 1,807 |
| Average equity | $51,405,000 | 1,486 |
| Average total loans | $211,631,200 | 2,034 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,267 |
| Cost of funding earning assets | 0.1836% | 5,239 |
| Net interest margin | 4.0831% | 1,427 |
| Noninterest income to average assets | 1.0869% | 960 |
| Noninterest expense to average assets | 2.7126% | 3,323 |
| Loan and lease loss provision to assets | 0.3313% | 494 |
| Net operating income to assets | 1.6136% | 714 |
| Return on assets (ROA) | 1.6217% | 739 |
| Pretax return on assets | 1.9235% | 669 |
| Return on Equity (ROE) | 11.2965% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,229 |
| Net charge-offs to loans | 1.0417% | 158 |
| Credit loss provision to net charge-offs | 55.2486% | 2,968 |
| Earnings coverage of net charge-offs (x) | 3.7446% | 3,366 |
| Efficiency ratio | 54.5063% | 5,199 |
| Assets per employee ($millions) | 4.8707% | 2,539 |
| Cash dividends to net income (ytd only)* | 47.6623% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 886 |
| Loan loss allowance to noncurrent loans | 82.1204% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 1,187 |
| Noncurrent loans to loans | 2.2847% | 807 |
| Net loans and leases to total assets | 58.7813% | 4,018 |
| Net loans and leases to deposits | 73.2853% | 3,665 |
| Net loans and leases to core deposits | 88.5416% | 2,711 |
| Total domestic deposits to total assets | 80.2089% | 4,469 |
| Equity capital to assets | 14.8814% | 767 |
| Core capital (leverage) ratio | 10.9111% | 2,548 |
| Tier 1 risk-based capital ratio | 18.2662% | 1,847 |
| Total risk-based capital ratio | 19.5221% | 1,817 |
| Memoranda: | ||
| Average total assets | $362,250,500 | 1,851 |
| Average earning assets | $343,423,250 | 1,810 |
| Average equity | $52,003,000 | 1,480 |
| Average total loans | $208,499,750 | 2,065 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,327 |
| Cost of funding earning assets | 0.1847% | 5,283 |
| Net interest margin | 4.0672% | 1,454 |
| Noninterest income to average assets | 1.0781% | 967 |
| Noninterest expense to average assets | 2.7487% | 3,205 |
| Loan and lease loss provision to assets | 0.3307% | 505 |
| Net operating income to assets | 1.5841% | 751 |
| Return on assets (ROA) | 1.5935% | 779 |
| Pretax return on assets | 1.8691% | 746 |
| Return on Equity (ROE) | 11.2363% | 1,558 |
| Retained earnings to average equity (ytd only) | 5.7950% | 2,240 |
| Net charge-offs to loans | 1.5512% | 91 |
| Credit loss provision to net charge-offs | 37.5469% | 2,796 |
| Earnings coverage of net charge-offs (x) | 2.4850% | 3,265 |
| Efficiency ratio | 55.3583% | 5,210 |
| Assets per employee ($millions) | 4.7710% | 2,603 |
| Cash dividends to net income (ytd only)* | 48.4262% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 958 |
| Loan loss allowance to noncurrent loans | 70.7445% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5231% | 1,247 |
| Noncurrent loans to loans | 2.6290% | 638 |
| Net loans and leases to total assets | 55.7717% | 4,338 |
| Net loans and leases to deposits | 66.1308% | 4,340 |
| Net loans and leases to core deposits | 79.0281% | 3,548 |
| Total domestic deposits to total assets | 84.3354% | 3,144 |
| Equity capital to assets | 14.8371% | 774 |
| Core capital (leverage) ratio | 10.2742% | 3,243 |
| Tier 1 risk-based capital ratio | 18.9688% | 1,700 |
| Total risk-based capital ratio | 20.2242% | 1,670 |
| Memoranda: | ||
| Average total assets | $362,857,670 | 1,849 |
| Average earning assets | $344,311,670 | 1,806 |
| Average equity | $51,458,330 | 1,500 |
| Average total loans | $206,027,670 | 2,087 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,530 |
| Cost of funding earning assets | 0.1805% | 5,370 |
| Net interest margin | 4.0044% | 1,599 |
| Noninterest income to average assets | 1.1068% | 889 |
| Noninterest expense to average assets | 2.7577% | 3,214 |
| Loan and lease loss provision to assets | 0.3284% | 463 |
| Net operating income to assets | 1.4929% | 871 |
| Return on assets (ROA) | 1.5020% | 889 |
| Pretax return on assets | 1.8195% | 820 |
| Return on Equity (ROE) | 10.8369% | 1,662 |
| Retained earnings to average equity (ytd only) | 5.3078% | 2,762 |
| Net charge-offs to loans | 0.0309% | 2,336 |
| Credit loss provision to net charge-offs | 1,875.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 465 |
| Efficiency ratio | 55.8264% | 5,205 |
| Assets per employee ($millions) | 4.7200% | 2,714 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4512% | 407 |
| Loan loss allowance to noncurrent loans | 73.1686% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 931 |
| Noncurrent loans to loans | 3.3501% | 427 |
| Net loans and leases to total assets | 55.4497% | 4,312 |
| Net loans and leases to deposits | 65.1656% | 4,324 |
| Net loans and leases to core deposits | 78.5863% | 3,438 |
| Total domestic deposits to total assets | 85.0905% | 3,093 |
| Equity capital to assets | 14.1292% | 936 |
| Core capital (leverage) ratio | 10.2373% | 3,275 |
| Tier 1 risk-based capital ratio | 18.3817% | 1,886 |
| Total risk-based capital ratio | 19.6441% | 1,839 |
| Memoranda: | ||
| Average total assets | $365,374,000 | 1,836 |
| Average earning assets | $345,621,000 | 1,798 |
| Average equity | $50,642,000 | 1,516 |
| Average total loans | $207,368,000 | 2,079 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,903 |
| Cost of funding earning assets | 0.1318% | 5,804 |
| Net interest margin | 3.9711% | 1,807 |
| Noninterest income to average assets | 1.2611% | 753 |
| Noninterest expense to average assets | 2.6992% | 3,580 |
| Loan and lease loss provision to assets | 0.5637% | 197 |
| Net operating income to assets | 1.4252% | 998 |
| Return on assets (ROA) | 1.4464% | 985 |
| Pretax return on assets | 1.7778% | 838 |
| Return on Equity (ROE) | 10.3214% | 1,876 |
| Retained earnings to average equity (ytd only) | -0.1242% | 5,529 |
| Net charge-offs to loans | 0.6730% | 355 |
| Credit loss provision to net charge-offs | 147.6845% | 1,798 |
| Earnings coverage of net charge-offs (x) | 6.0658% | 3,284 |
| Efficiency ratio | 53.2276% | 5,571 |
| Assets per employee ($millions) | 4.8330% | 2,553 |
| Cash dividends to net income (ytd only)* | 101.2030% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 516 |
| Loan loss allowance to noncurrent loans | 72.1836% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.1510% | 795 |
| Noncurrent loans to loans | 3.1814% | 479 |
| Net loans and leases to total assets | 55.3665% | 4,352 |
| Net loans and leases to deposits | 64.4767% | 4,432 |
| Net loans and leases to core deposits | 77.6615% | 3,586 |
| Total domestic deposits to total assets | 85.8705% | 2,697 |
| Equity capital to assets | 13.5943% | 1,092 |
| Core capital (leverage) ratio | 10.0380% | 3,461 |
| Tier 1 risk-based capital ratio | 17.8552% | 2,011 |
| Total risk-based capital ratio | 19.1155% | 1,957 |
| Memoranda: | ||
| Average total assets | $362,069,000 | 1,805 |
| Average earning assets | $342,221,600 | 1,773 |
| Average equity | $50,739,400 | 1,463 |
| Average total loans | $205,349,000 | 2,026 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,041 |
| Cost of funding earning assets | 0.1233% | 5,962 |
| Net interest margin | 3.9520% | 1,869 |
| Noninterest income to average assets | 1.1956% | 846 |
| Noninterest expense to average assets | 2.6277% | 3,774 |
| Loan and lease loss provision to assets | 0.4472% | 245 |
| Net operating income to assets | 1.5146% | 898 |
| Return on assets (ROA) | 1.5382% | 906 |
| Pretax return on assets | 1.8930% | 739 |
| Return on Equity (ROE) | 10.8934% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.1822% | 2,132 |
| Net charge-offs to loans | 0.3069% | 869 |
| Credit loss provision to net charge-offs | 256.9002% | 1,110 |
| Earnings coverage of net charge-offs (x) | 13.2761% | 2,340 |
| Efficiency ratio | 52.5556% | 5,612 |
| Assets per employee ($millions) | 5.0814% | 2,199 |
| Cash dividends to net income (ytd only)* | 43.2485% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 514 |
| Loan loss allowance to noncurrent loans | 60.8260% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 828 |
| Noncurrent loans to loans | 3.9165% | 341 |
| Net loans and leases to total assets | 55.9876% | 4,359 |
| Net loans and leases to deposits | 66.1652% | 4,373 |
| Net loans and leases to core deposits | 79.6933% | 3,450 |
| Total domestic deposits to total assets | 84.6179% | 3,166 |
| Equity capital to assets | 14.6461% | 824 |
| Core capital (leverage) ratio | 11.2655% | 2,229 |
| Tier 1 risk-based capital ratio | 19.6542% | 1,632 |
| Total risk-based capital ratio | 20.9165% | 1,596 |
| Memoranda: | ||
| Average total assets | $360,759,000 | 1,825 |
| Average earning assets | $341,694,000 | 1,792 |
| Average equity | $50,941,000 | 1,467 |
| Average total loans | $204,649,750 | 2,045 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,149 |
| Cost of funding earning assets | 0.1140% | 6,071 |
| Net interest margin | 3.9186% | 1,916 |
| Noninterest income to average assets | 1.2195% | 817 |
| Noninterest expense to average assets | 2.6818% | 3,648 |
| Loan and lease loss provision to assets | 0.4861% | 210 |
| Net operating income to assets | 1.4458% | 999 |
| Return on assets (ROA) | 1.4739% | 991 |
| Pretax return on assets | 1.8050% | 892 |
| Return on Equity (ROE) | 10.5665% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.8193% | 2,347 |
| Net charge-offs to loans | 0.3144% | 841 |
| Credit loss provision to net charge-offs | 273.6025% | 988 |
| Earnings coverage of net charge-offs (x) | 12.7019% | 2,183 |
| Efficiency ratio | 53.6536% | 5,612 |
| Assets per employee ($millions) | 4.9357% | 2,354 |
| Cash dividends to net income (ytd only)* | 44.9270% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 654 |
| Loan loss allowance to noncurrent loans | 56.2432% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.3494% | 846 |
| Noncurrent loans to loans | 4.0451% | 375 |
| Net loans and leases to total assets | 56.5670% | 4,272 |
| Net loans and leases to deposits | 66.4417% | 4,295 |
| Net loans and leases to core deposits | 79.6261% | 3,432 |
| Total domestic deposits to total assets | 85.1379% | 3,071 |
| Equity capital to assets | 14.3953% | 844 |
| Core capital (leverage) ratio | 11.6444% | 1,891 |
| Tier 1 risk-based capital ratio | 18.8481% | 1,825 |
| Total risk-based capital ratio | 20.1088% | 1,791 |
| Memoranda: | ||
| Average total assets | $362,445,330 | 1,826 |
| Average earning assets | $343,997,330 | 1,777 |
| Average equity | $50,556,000 | 1,478 |
| Average total loans | $204,863,670 | 2,046 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,288 |
| Cost of funding earning assets | 0.1126% | 6,146 |
| Net interest margin | 3.8706% | 1,994 |
| Noninterest income to average assets | 1.1585% | 851 |
| Noninterest expense to average assets | 2.5794% | 4,001 |
| Loan and lease loss provision to assets | 0.6011% | 158 |
| Net operating income to assets | 1.4070% | 1,021 |
| Return on assets (ROA) | 1.4525% | 995 |
| Pretax return on assets | 1.7148% | 1,023 |
| Return on Equity (ROE) | 10.5779% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,605 |
| Net charge-offs to loans | 0.5987% | 406 |
| Credit loss provision to net charge-offs | 179.7386% | 1,130 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,250 |
| Efficiency ratio | 52.6185% | 5,772 |
| Assets per employee ($millions) | 5.2926% | 2,002 |
| Cash dividends to net income (ytd only)* | 45.1467% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1891% | 821 |
| Loan loss allowance to noncurrent loans | 52.2192% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.4543% | 881 |
| Noncurrent loans to loans | 4.1921% | 393 |
| Net loans and leases to total assets | 53.4064% | 4,505 |
| Net loans and leases to deposits | 62.4657% | 4,528 |
| Net loans and leases to core deposits | 74.7187% | 3,713 |
| Total domestic deposits to total assets | 85.4972% | 3,178 |
| Equity capital to assets | 13.9047% | 1,015 |
| Core capital (leverage) ratio | 11.4516% | 2,038 |
| Tier 1 risk-based capital ratio | 18.9926% | 1,872 |
| Total risk-based capital ratio | 20.2507% | 1,829 |
| Memoranda: | ||
| Average total assets | $365,981,500 | 1,817 |
| Average earning assets | $348,268,000 | 1,766 |
| Average equity | $50,255,500 | 1,492 |
| Average total loans | $204,443,500 | 2,055 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 3,257 |
| Cost of funding earning assets | 0.1267% | 6,216 |
| Net interest margin | 3.9915% | 1,924 |
| Noninterest income to average assets | 1.0672% | 1,068 |
| Noninterest expense to average assets | 2.7239% | 3,774 |
| Loan and lease loss provision to assets | 0.3258% | 601 |
| Net operating income to assets | 1.4281% | 1,024 |
| Return on assets (ROA) | 1.4637% | 985 |
| Pretax return on assets | 1.8453% | 720 |
| Return on Equity (ROE) | 10.5294% | 1,892 |
| Retained earnings to average equity (ytd only) | 0.3125% | 5,637 |
| Net charge-offs to loans | 0.5165% | 793 |
| Credit loss provision to net charge-offs | 113.1528% | 2,100 |
| Earnings coverage of net charge-offs (x) | 7.3830% | 3,038 |
| Efficiency ratio | 55.1192% | 5,755 |
| Assets per employee ($millions) | 5.3155% | 1,940 |
| Cash dividends to net income (ytd only)* | 97.0320% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 1,169 |
| Loan loss allowance to noncurrent loans | 73.8928% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 1,603 |
| Noncurrent loans to loans | 2.6622% | 918 |
| Net loans and leases to total assets | 55.9927% | 4,335 |
| Net loans and leases to deposits | 65.1014% | 4,421 |
| Net loans and leases to core deposits | 78.1646% | 3,500 |
| Total domestic deposits to total assets | 86.0084% | 2,836 |
| Equity capital to assets | 13.5594% | 1,133 |
| Core capital (leverage) ratio | 11.7138% | 1,815 |
| Tier 1 risk-based capital ratio | 18.0197% | 2,128 |
| Total risk-based capital ratio | 19.2767% | 2,093 |
| Memoranda: | ||
| Average total assets | $359,079,400 | 1,817 |
| Average earning assets | $340,302,200 | 1,758 |
| Average equity | $49,917,200 | 1,446 |
| Average total loans | $200,185,400 | 2,032 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,222 |
| Cost of funding earning assets | 0.1293% | 6,289 |
| Net interest margin | 4.0081% | 1,853 |
| Noninterest income to average assets | 1.0684% | 1,074 |
| Noninterest expense to average assets | 2.7715% | 3,569 |
| Loan and lease loss provision to assets | 0.4252% | 383 |
| Net operating income to assets | 1.2910% | 1,393 |
| Return on assets (ROA) | 1.3099% | 1,399 |
| Pretax return on assets | 1.6907% | 1,085 |
| Return on Equity (ROE) | 9.3639% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.2544% | 2,916 |
| Net charge-offs to loans | 0.7695% | 437 |
| Credit loss provision to net charge-offs | 99.7373% | 2,254 |
| Earnings coverage of net charge-offs (x) | 4.9054% | 3,354 |
| Efficiency ratio | 55.9420% | 5,668 |
| Assets per employee ($millions) | 4.8341% | 2,472 |
| Cash dividends to net income (ytd only)* | 43.8871% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0087% | 1,242 |
| Loan loss allowance to noncurrent loans | 72.6112% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.7411% | 1,716 |
| Noncurrent loans to loans | 2.7664% | 1,011 |
| Net loans and leases to total assets | 55.8119% | 4,355 |
| Net loans and leases to deposits | 66.9063% | 4,242 |
| Net loans and leases to core deposits | 82.1044% | 3,094 |
| Total domestic deposits to total assets | 83.4180% | 3,985 |
| Equity capital to assets | 14.7661% | 782 |
| Core capital (leverage) ratio | 12.2479% | 1,548 |
| Tier 1 risk-based capital ratio | 19.7349% | 1,730 |
| Total risk-based capital ratio | 20.9923% | 1,697 |
| Memoranda: | ||
| Average total assets | $357,156,500 | 1,839 |
| Average earning assets | $338,107,000 | 1,783 |
| Average equity | $49,963,500 | 1,451 |
| Average total loans | $197,860,250 | 2,069 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,573 |
| Cost of funding earning assets | 0.1296% | 6,363 |
| Net interest margin | 3.9146% | 2,099 |
| Noninterest income to average assets | 1.0550% | 1,068 |
| Noninterest expense to average assets | 2.8851% | 3,218 |
| Loan and lease loss provision to assets | 0.0333% | 3,623 |
| Net operating income to assets | 1.4384% | 985 |
| Return on assets (ROA) | 1.4570% | 993 |
| Pretax return on assets | 1.8679% | 733 |
| Return on Equity (ROE) | 10.6049% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.5634% | 2,001 |
| Net charge-offs to loans | 0.1477% | 2,203 |
| Credit loss provision to net charge-offs | 41.0959% | 2,907 |
| Earnings coverage of net charge-offs (x) | 23.1575% | 1,479 |
| Efficiency ratio | 59.5196% | 5,360 |
| Assets per employee ($millions) | 4.8368% | 2,420 |
| Cash dividends to net income (ytd only)* | 38.1098% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 1,551 |
| Loan loss allowance to noncurrent loans | 56.1654% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0724% | 1,520 |
| Noncurrent loans to loans | 3.4072% | 798 |
| Net loans and leases to total assets | 55.0900% | 4,398 |
| Net loans and leases to deposits | 66.5879% | 4,208 |
| Net loans and leases to core deposits | 81.2715% | 3,070 |
| Total domestic deposits to total assets | 82.7327% | 4,401 |
| Equity capital to assets | 14.0134% | 963 |
| Core capital (leverage) ratio | 11.9515% | 1,684 |
| Tier 1 risk-based capital ratio | 18.8167% | 1,964 |
| Total risk-based capital ratio | 20.0726% | 1,932 |
| Memoranda: | ||
| Average total assets | $360,191,000 | 1,821 |
| Average earning assets | $341,131,670 | 1,762 |
| Average equity | $49,486,670 | 1,453 |
| Average total loans | $197,734,670 | 2,067 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,740 |
| Cost of funding earning assets | 0.1318% | 6,436 |
| Net interest margin | 3.8564% | 2,247 |
| Noninterest income to average assets | 1.0320% | 1,058 |
| Noninterest expense to average assets | 2.9400% | 3,082 |
| Loan and lease loss provision to assets | 0.0323% | 3,399 |
| Net operating income to assets | 1.3159% | 1,174 |
| Return on assets (ROA) | 1.3374% | 1,174 |
| Pretax return on assets | 1.7386% | 898 |
| Return on Equity (ROE) | 9.8335% | 2,103 |
| Retained earnings to average equity (ytd only) | 5.9001% | 2,591 |
| Net charge-offs to loans | -0.1500% | 6,290 |
| Credit loss provision to net charge-offs | -39.7260% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6849% | 5,175 |
| Assets per employee ($millions) | 4.8944% | 2,381 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1600% | 1,222 |
| Loan loss allowance to noncurrent loans | 62.2070% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.9730% | 1,740 |
| Noncurrent loans to loans | 3.4723% | 849 |
| Net loans and leases to total assets | 51.1134% | 4,781 |
| Net loans and leases to deposits | 59.5133% | 4,806 |
| Net loans and leases to core deposits | 73.7894% | 3,670 |
| Total domestic deposits to total assets | 85.8857% | 3,424 |
| Equity capital to assets | 13.6403% | 1,059 |
| Core capital (leverage) ratio | 11.7007% | 1,830 |
| Tier 1 risk-based capital ratio | 19.7960% | 1,771 |
| Total risk-based capital ratio | 21.0551% | 1,735 |
| Memoranda: | ||
| Average total assets | $358,906,000 | 1,836 |
| Average earning assets | $339,799,000 | 1,772 |
| Average equity | $48,812,500 | 1,469 |
| Average total loans | $194,730,000 | 2,097 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 5,292 |
| Cost of funding earning assets | 0.1542% | 6,519 |
| Net interest margin | 3.4908% | 3,945 |
| Noninterest income to average assets | 1.2261% | 930 |
| Noninterest expense to average assets | 3.0068% | 3,035 |
| Loan and lease loss provision to assets | 0.1421% | 2,534 |
| Net operating income to assets | 1.1394% | 1,797 |
| Return on assets (ROA) | 1.1752% | 1,719 |
| Pretax return on assets | 1.4125% | 1,741 |
| Return on Equity (ROE) | 8.5467% | 2,763 |
| Retained earnings to average equity (ytd only) | 0.0021% | 5,850 |
| Net charge-offs to loans | -0.0837% | 6,438 |
| Credit loss provision to net charge-offs | -312.4224% | 6,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9059% | 4,749 |
| Assets per employee ($millions) | 4.5593% | 2,805 |
| Cash dividends to net income (ytd only)* | 99.9760% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,579 |
| Loan loss allowance to noncurrent loans | 60.1600% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.0437% | 1,758 |
| Noncurrent loans to loans | 3.3079% | 987 |
| Net loans and leases to total assets | 55.1879% | 4,433 |
| Net loans and leases to deposits | 64.0309% | 4,501 |
| Net loans and leases to core deposits | 78.2663% | 3,322 |
| Total domestic deposits to total assets | 86.1895% | 3,162 |
| Equity capital to assets | 13.5597% | 1,044 |
| Core capital (leverage) ratio | 11.7718% | 1,778 |
| Tier 1 risk-based capital ratio | 18.5555% | 2,062 |
| Total risk-based capital ratio | 19.8128% | 2,027 |
| Memoranda: | ||
| Average total assets | $354,061,600 | 1,830 |
| Average earning assets | $333,905,600 | 1,781 |
| Average equity | $48,685,200 | 1,451 |
| Average total loans | $192,246,200 | 2,077 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 5,545 |
| Cost of funding earning assets | 0.1581% | 6,608 |
| Net interest margin | 3.4047% | 4,267 |
| Noninterest income to average assets | 1.3225% | 847 |
| Noninterest expense to average assets | 3.0615% | 2,787 |
| Loan and lease loss provision to assets | 0.1708% | 2,126 |
| Net operating income to assets | 1.0360% | 2,238 |
| Return on assets (ROA) | 1.0752% | 2,182 |
| Pretax return on assets | 1.3466% | 2,136 |
| Return on Equity (ROE) | 7.7920% | 3,232 |
| Retained earnings to average equity (ytd only) | 3.8577% | 3,938 |
| Net charge-offs to loans | -0.1100% | 6,515 |
| Credit loss provision to net charge-offs | -288.5350% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9454% | 4,494 |
| Assets per employee ($millions) | 4.4368% | 2,983 |
| Cash dividends to net income (ytd only)* | 50.4909% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 1,509 |
| Loan loss allowance to noncurrent loans | 44.3629% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 2.7833% | 1,346 |
| Noncurrent loans to loans | 4.7263% | 664 |
| Net loans and leases to total assets | 53.0394% | 4,747 |
| Net loans and leases to deposits | 62.1464% | 4,748 |
| Net loans and leases to core deposits | 75.8759% | 3,628 |
| Total domestic deposits to total assets | 85.3460% | 3,565 |
| Equity capital to assets | 14.2729% | 884 |
| Core capital (leverage) ratio | 12.2793% | 1,530 |
| Tier 1 risk-based capital ratio | 20.6987% | 1,561 |
| Total risk-based capital ratio | 21.9569% | 1,531 |
| Memoranda: | ||
| Average total assets | $353,670,250 | 1,843 |
| Average earning assets | $333,173,500 | 1,801 |
| Average equity | $48,801,000 | 1,458 |
| Average total loans | $190,245,750 | 2,093 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 5,696 |
| Cost of funding earning assets | 0.1596% | 6,671 |
| Net interest margin | 3.3400% | 4,417 |
| Noninterest income to average assets | 1.2818% | 939 |
| Noninterest expense to average assets | 3.1695% | 2,441 |
| Loan and lease loss provision to assets | 0.1713% | 2,195 |
| Net operating income to assets | 0.7052% | 3,779 |
| Return on assets (ROA) | 0.7417% | 3,763 |
| Pretax return on assets | 1.1460% | 2,903 |
| Return on Equity (ROE) | 5.4358% | 4,498 |
| Retained earnings to average equity (ytd only) | 1.4855% | 5,276 |
| Net charge-offs to loans | -0.0094% | 5,756 |
| Credit loss provision to net charge-offs | -3,388.8889% | 6,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8771% | 3,854 |
| Assets per employee ($millions) | 4.1891% | 3,379 |
| Cash dividends to net income (ytd only)* | 72.6722% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 2,058 |
| Loan loss allowance to noncurrent loans | 40.3889% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.8241% | 1,455 |
| Noncurrent loans to loans | 4.7527% | 704 |
| Net loans and leases to total assets | 54.0689% | 4,580 |
| Net loans and leases to deposits | 63.2021% | 4,600 |
| Net loans and leases to core deposits | 77.8476% | 3,314 |
| Total domestic deposits to total assets | 85.5492% | 3,615 |
| Equity capital to assets | 14.1009% | 940 |
| Core capital (leverage) ratio | 11.7347% | 1,778 |
| Tier 1 risk-based capital ratio | 19.9278% | 1,738 |
| Total risk-based capital ratio | 21.1846% | 1,702 |
| Memoranda: | ||
| Average total assets | $356,204,000 | 1,831 |
| Average earning assets | $335,810,330 | 1,785 |
| Average equity | $48,603,330 | 1,468 |
| Average total loans | $191,166,330 | 2,091 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 5,692 |
| Cost of funding earning assets | 0.1592% | 6,771 |
| Net interest margin | 3.3441% | 4,337 |
| Noninterest income to average assets | 1.0051% | 1,447 |
| Noninterest expense to average assets | 3.0098% | 2,958 |
| Loan and lease loss provision to assets | 0.1721% | 2,139 |
| Net operating income to assets | 0.6004% | 4,209 |
| Return on assets (ROA) | 0.6399% | 4,182 |
| Pretax return on assets | 1.0371% | 3,194 |
| Return on Equity (ROE) | 4.7652% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.8216% | 5,510 |
| Net charge-offs to loans | -0.0167% | 5,634 |
| Credit loss provision to net charge-offs | -1,950.0000% | 5,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6476% | 3,861 |
| Assets per employee ($millions) | 4.5499% | 2,885 |
| Cash dividends to net income (ytd only)* | 82.7586% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 2,418 |
| Loan loss allowance to noncurrent loans | 38.8431% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 2.6575% | 1,712 |
| Noncurrent loans to loans | 4.7907% | 823 |
| Net loans and leases to total assets | 50.4941% | 4,919 |
| Net loans and leases to deposits | 58.5428% | 4,967 |
| Net loans and leases to core deposits | 71.8974% | 3,830 |
| Total domestic deposits to total assets | 86.2517% | 3,386 |
| Equity capital to assets | 13.3503% | 1,270 |
| Core capital (leverage) ratio | 11.2438% | 2,059 |
| Tier 1 risk-based capital ratio | 19.7327% | 1,839 |
| Total risk-based capital ratio | 20.9878% | 1,808 |
| Memoranda: | ||
| Average total assets | $362,551,000 | 1,819 |
| Average earning assets | $341,740,000 | 1,768 |
| Average equity | $48,686,000 | 1,487 |
| Average total loans | $192,066,000 | 2,086 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 4,982 |
| Cost of funding earning assets | 0.2999% | 6,450 |
| Net interest margin | 3.7901% | 3,271 |
| Noninterest income to average assets | 1.0425% | 1,427 |
| Noninterest expense to average assets | 2.7397% | 4,251 |
| Loan and lease loss provision to assets | 1.0062% | 411 |
| Net operating income to assets | 0.7861% | 3,344 |
| Return on assets (ROA) | 0.8418% | 3,341 |
| Pretax return on assets | 0.9285% | 3,814 |
| Return on Equity (ROE) | 6.1250% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.1654% | 4,708 |
| Net charge-offs to loans | 2.4716% | 247 |
| Credit loss provision to net charge-offs | 76.0986% | 3,967 |
| Earnings coverage of net charge-offs (x) | 1.4169% | 4,743 |
| Efficiency ratio | 57.6124% | 5,882 |
| Assets per employee ($millions) | 4.5710% | 2,836 |
| Cash dividends to net income (ytd only)* | 64.6465% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 2,980 |
| Loan loss allowance to noncurrent loans | 31.9358% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 3.0805% | 1,526 |
| Noncurrent loans to loans | 5.2826% | 724 |
| Net loans and leases to total assets | 53.5935% | 4,674 |
| Net loans and leases to deposits | 62.1595% | 4,768 |
| Net loans and leases to core deposits | 74.7137% | 3,692 |
| Total domestic deposits to total assets | 86.2194% | 3,244 |
| Equity capital to assets | 13.5078% | 1,226 |
| Core capital (leverage) ratio | 11.6201% | 1,791 |
| Tier 1 risk-based capital ratio | 18.7332% | 2,038 |
| Total risk-based capital ratio | 19.9869% | 1,998 |
| Memoranda: | ||
| Average total assets | $352,817,400 | 1,832 |
| Average earning assets | $332,395,800 | 1,778 |
| Average equity | $48,490,000 | 1,448 |
| Average total loans | $188,745,400 | 2,105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 4,924 |
| Cost of funding earning assets | 0.3214% | 6,505 |
| Net interest margin | 3.8471% | 3,134 |
| Noninterest income to average assets | 0.9298% | 1,736 |
| Noninterest expense to average assets | 2.8559% | 3,768 |
| Loan and lease loss provision to assets | 0.2281% | 2,777 |
| Net operating income to assets | 1.1291% | 1,984 |
| Return on assets (ROA) | 1.1818% | 1,985 |
| Pretax return on assets | 1.5411% | 1,747 |
| Return on Equity (ROE) | 8.5613% | 3,013 |
| Retained earnings to average equity (ytd only) | 4.5960% | 3,668 |
| Net charge-offs to loans | 0.4056% | 2,475 |
| Credit loss provision to net charge-offs | 105.6338% | 2,782 |
| Earnings coverage of net charge-offs (x) | 7.8768% | 2,535 |
| Efficiency ratio | 60.8743% | 5,339 |
| Assets per employee ($millions) | 4.2902% | 3,290 |
| Cash dividends to net income (ytd only)* | 46.3171% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 1,447 |
| Loan loss allowance to noncurrent loans | 30.7311% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 4.6454% | 983 |
| Noncurrent loans to loans | 7.6071% | 437 |
| Net loans and leases to total assets | 53.7127% | 4,793 |
| Net loans and leases to deposits | 63.4127% | 4,786 |
| Net loans and leases to core deposits | 77.8626% | 3,479 |
| Total domestic deposits to total assets | 84.7034% | 3,884 |
| Equity capital to assets | 14.2167% | 1,073 |
| Core capital (leverage) ratio | 11.7223% | 1,829 |
| Tier 1 risk-based capital ratio | 19.8016% | 1,812 |
| Total risk-based capital ratio | 21.5871% | 1,644 |
| Memoranda: | ||
| Average total assets | $350,744,500 | 1,867 |
| Average earning assets | $330,664,250 | 1,812 |
| Average equity | $48,418,000 | 1,468 |
| Average total loans | $186,718,750 | 2,140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 4,771 |
| Cost of funding earning assets | 0.3434% | 6,540 |
| Net interest margin | 3.9040% | 2,887 |
| Noninterest income to average assets | 0.9215% | 1,704 |
| Noninterest expense to average assets | 2.8764% | 3,719 |
| Loan and lease loss provision to assets | 0.3411% | 1,932 |
| Net operating income to assets | 1.0473% | 2,258 |
| Return on assets (ROA) | 1.0988% | 2,278 |
| Pretax return on assets | 1.4570% | 1,986 |
| Return on Equity (ROE) | 8.0392% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.0466% | 3,914 |
| Net charge-offs to loans | 0.6197% | 1,775 |
| Credit loss provision to net charge-offs | 104.5296% | 2,604 |
| Earnings coverage of net charge-offs (x) | 5.2997% | 2,863 |
| Efficiency ratio | 60.6764% | 5,472 |
| Assets per employee ($millions) | 4.1074% | 3,651 |
| Cash dividends to net income (ytd only)* | 49.6637% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 1,503 |
| Loan loss allowance to noncurrent loans | 31.2115% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 4.5012% | 1,105 |
| Noncurrent loans to loans | 7.5267% | 484 |
| Net loans and leases to total assets | 52.5067% | 5,030 |
| Net loans and leases to deposits | 61.6066% | 5,055 |
| Net loans and leases to core deposits | 76.1334% | 3,758 |
| Total domestic deposits to total assets | 85.2290% | 3,754 |
| Equity capital to assets | 13.7383% | 1,200 |
| Core capital (leverage) ratio | 11.4192% | 1,954 |
| Tier 1 risk-based capital ratio | 19.2907% | 1,901 |
| Total risk-based capital ratio | 21.0720% | 1,719 |
| Memoranda: | ||
| Average total assets | $351,823,330 | 1,866 |
| Average earning assets | $332,017,000 | 1,811 |
| Average equity | $48,089,330 | 1,465 |
| Average total loans | $185,250,330 | 2,158 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 4,419 |
| Cost of funding earning assets | 0.3682% | 6,558 |
| Net interest margin | 4.0092% | 2,465 |
| Noninterest income to average assets | 0.9501% | 1,569 |
| Noninterest expense to average assets | 2.9346% | 3,490 |
| Loan and lease loss provision to assets | 0.3418% | 1,833 |
| Net operating income to assets | 1.1127% | 2,022 |
| Return on assets (ROA) | 1.1586% | 2,036 |
| Pretax return on assets | 1.5174% | 1,829 |
| Return on Equity (ROE) | 8.4981% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.4872% | 3,898 |
| Net charge-offs to loans | 1.2159% | 847 |
| Credit loss provision to net charge-offs | 53.9568% | 3,220 |
| Earnings coverage of net charge-offs (x) | 2.8399% | 3,049 |
| Efficiency ratio | 60.2647% | 5,581 |
| Assets per employee ($millions) | 4.4144% | 3,168 |
| Cash dividends to net income (ytd only)* | 47.1976% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2829% | 1,705 |
| Loan loss allowance to noncurrent loans | 29.2574% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 4.4442% | 1,211 |
| Noncurrent loans to loans | 7.8028% | 506 |
| Net loans and leases to total assets | 50.0392% | 5,303 |
| Net loans and leases to deposits | 58.4634% | 5,329 |
| Net loans and leases to core deposits | 73.2051% | 3,990 |
| Total domestic deposits to total assets | 85.5906% | 3,743 |
| Equity capital to assets | 13.4219% | 1,266 |
| Core capital (leverage) ratio | 11.4023% | 1,960 |
| Tier 1 risk-based capital ratio | 19.4638% | 1,851 |
| Total risk-based capital ratio | 21.2557% | 1,681 |
| Memoranda: | ||
| Average total assets | $351,115,500 | 1,885 |
| Average earning assets | $331,335,000 | 1,821 |
| Average equity | $47,869,500 | 1,464 |
| Average total loans | $182,907,500 | 2,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 3,945 |
| Cost of funding earning assets | 0.5740% | 6,216 |
| Net interest margin | 4.1951% | 2,079 |
| Noninterest income to average assets | 1.0850% | 1,128 |
| Noninterest expense to average assets | 3.3211% | 2,453 |
| Loan and lease loss provision to assets | 0.3266% | 3,072 |
| Net operating income to assets | 1.0714% | 1,918 |
| Return on assets (ROA) | 1.1405% | 1,814 |
| Pretax return on assets | 1.4894% | 1,508 |
| Return on Equity (ROE) | 8.1907% | 2,811 |
| Retained earnings to average equity (ytd only) | 4.7788% | 2,802 |
| Net charge-offs to loans | 0.2596% | 4,153 |
| Credit loss provision to net charge-offs | 232.0675% | 1,046 |
| Earnings coverage of net charge-offs (x) | 12.2658% | 1,639 |
| Efficiency ratio | 63.9979% | 5,130 |
| Assets per employee ($millions) | 4.2551% | 3,354 |
| Cash dividends to net income (ytd only)* | 41.6558% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4279% | 1,414 |
| Loan loss allowance to noncurrent loans | 29.1631% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 5.0405% | 1,057 |
| Noncurrent loans to loans | 8.3251% | 467 |
| Net loans and leases to total assets | 51.7244% | 5,355 |
| Net loans and leases to deposits | 60.6973% | 5,407 |
| Net loans and leases to core deposits | 75.0173% | 4,099 |
| Total domestic deposits to total assets | 85.2170% | 3,735 |
| Equity capital to assets | 13.8531% | 1,123 |
| Core capital (leverage) ratio | 11.6212% | 1,807 |
| Tier 1 risk-based capital ratio | 19.4471% | 1,781 |
| Total risk-based capital ratio | 21.2484% | 1,614 |
| Memoranda: | ||
| Average total assets | $336,783,600 | 1,920 |
| Average earning assets | $318,108,000 | 1,850 |
| Average equity | $46,894,800 | 1,451 |
| Average total loans | $182,595,800 | 2,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 3,729 |
| Cost of funding earning assets | 0.6158% | 6,208 |
| Net interest margin | 4.2444% | 1,933 |
| Noninterest income to average assets | 1.0370% | 1,257 |
| Noninterest expense to average assets | 3.1770% | 2,896 |
| Loan and lease loss provision to assets | 0.0996% | 5,212 |
| Net operating income to assets | 1.1816% | 1,704 |
| Return on assets (ROA) | 1.2480% | 1,624 |
| Pretax return on assets | 1.8752% | 826 |
| Return on Equity (ROE) | 8.9512% | 2,614 |
| Retained earnings to average equity (ytd only) | 5.5238% | 2,848 |
| Net charge-offs to loans | -0.0095% | 6,775 |
| Credit loss provision to net charge-offs | -1,923.0769% | 6,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0656% | 5,550 |
| Assets per employee ($millions) | 4.1696% | 3,502 |
| Cash dividends to net income (ytd only)* | 38.2897% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2658% | 1,745 |
| Loan loss allowance to noncurrent loans | 35.2122% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 3.5818% | 1,749 |
| Noncurrent loans to loans | 6.4347% | 828 |
| Net loans and leases to total assets | 52.0193% | 5,443 |
| Net loans and leases to deposits | 61.7671% | 5,433 |
| Net loans and leases to core deposits | 76.3340% | 4,158 |
| Total domestic deposits to total assets | 84.2184% | 4,130 |
| Equity capital to assets | 14.0903% | 1,128 |
| Core capital (leverage) ratio | 11.5097% | 2,019 |
| Tier 1 risk-based capital ratio | 19.6051% | 1,784 |
| Total risk-based capital ratio | 21.9645% | 1,486 |
| Memoranda: | ||
| Average total assets | $334,812,750 | 1,939 |
| Average earning assets | $316,773,250 | 1,866 |
| Average equity | $46,681,750 | 1,459 |
| Average total loans | $182,566,500 | 2,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 3,620 |
| Cost of funding earning assets | 0.6440% | 6,252 |
| Net interest margin | 4.2561% | 1,818 |
| Noninterest income to average assets | 1.0556% | 1,178 |
| Noninterest expense to average assets | 3.1458% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3416% | 1,213 |
| Return on assets (ROA) | 1.4181% | 1,111 |
| Pretax return on assets | 2.0471% | 537 |
| Return on Equity (ROE) | 10.2071% | 2,046 |
| Retained earnings to average equity (ytd only) | 6.7573% | 1,986 |
| Net charge-offs to loans | -0.0054% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0967% | 5,854 |
| Assets per employee ($millions) | 4.1854% | 3,376 |
| Cash dividends to net income (ytd only)* | 33.7981% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 2,075 |
| Loan loss allowance to noncurrent loans | 31.6650% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 3.5175% | 1,869 |
| Noncurrent loans to loans | 6.6967% | 804 |
| Net loans and leases to total assets | 51.3096% | 5,653 |
| Net loans and leases to deposits | 60.5642% | 5,665 |
| Net loans and leases to core deposits | 75.4667% | 4,381 |
| Total domestic deposits to total assets | 84.7194% | 4,008 |
| Equity capital to assets | 13.7235% | 1,197 |
| Core capital (leverage) ratio | 11.6275% | 1,831 |
| Tier 1 risk-based capital ratio | 19.2333% | 1,774 |
| Total risk-based capital ratio | 21.5828% | 1,520 |
| Memoranda: | ||
| Average total assets | $333,838,330 | 1,955 |
| Average earning assets | $315,827,670 | 1,887 |
| Average equity | $46,379,670 | 1,456 |
| Average total loans | $183,501,670 | 2,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 3,371 |
| Cost of funding earning assets | 0.6571% | 6,356 |
| Net interest margin | 4.2813% | 1,619 |
| Noninterest income to average assets | 1.0973% | 1,086 |
| Noninterest expense to average assets | 3.1110% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4261% | 1,021 |
| Return on assets (ROA) | 1.4814% | 950 |
| Pretax return on assets | 2.1193% | 459 |
| Return on Equity (ROE) | 10.5954% | 1,876 |
| Retained earnings to average equity (ytd only) | 7.1186% | 2,095 |
| Net charge-offs to loans | -0.0410% | 6,826 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5751% | 6,196 |
| Assets per employee ($millions) | 4.2520% | 3,336 |
| Cash dividends to net income (ytd only)* | 32.8138% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0931% | 2,201 |
| Loan loss allowance to noncurrent loans | 31.7918% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 3.6387% | 1,869 |
| Noncurrent loans to loans | 6.5838% | 893 |
| Net loans and leases to total assets | 54.0031% | 5,302 |
| Net loans and leases to deposits | 63.9989% | 5,252 |
| Net loans and leases to core deposits | 81.1264% | 3,587 |
| Total domestic deposits to total assets | 84.3812% | 4,332 |
| Equity capital to assets | 13.9478% | 1,020 |
| Core capital (leverage) ratio | 11.3572% | 1,928 |
| Tier 1 risk-based capital ratio | 18.8523% | 1,849 |
| Total risk-based capital ratio | 21.2036% | 1,566 |
| Memoranda: | ||
| Average total assets | $329,158,000 | 1,987 |
| Average earning assets | $311,680,500 | 1,917 |
| Average equity | $46,020,000 | 1,460 |
| Average total loans | $185,298,000 | 2,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4986% | 2,288 |
| Cost of funding earning assets | 0.7260% | 6,801 |
| Net interest margin | 4.7726% | 697 |
| Noninterest income to average assets | 1.1084% | 1,206 |
| Noninterest expense to average assets | 3.1659% | 3,206 |
| Loan and lease loss provision to assets | 0.6260% | 2,626 |
| Net operating income to assets | 1.1973% | 1,420 |
| Return on assets (ROA) | 1.2355% | 1,403 |
| Pretax return on assets | 1.8587% | 668 |
| Return on Equity (ROE) | 8.8961% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.0386% | 1,794 |
| Net charge-offs to loans | 1.2878% | 1,733 |
| Credit loss provision to net charge-offs | 85.9881% | 5,287 |
| Earnings coverage of net charge-offs (x) | 3.3335% | 3,410 |
| Efficiency ratio | 54.8065% | 6,735 |
| Assets per employee ($millions) | 4.0328% | 3,712 |
| Cash dividends to net income (ytd only)* | 32.1205% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 2,225 |
| Loan loss allowance to noncurrent loans | 33.0213% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 3.5401% | 1,949 |
| Noncurrent loans to loans | 6.1483% | 1,005 |
| Net loans and leases to total assets | 56.2826% | 5,297 |
| Net loans and leases to deposits | 66.5717% | 5,326 |
| Net loans and leases to core deposits | 82.4758% | 3,822 |
| Total domestic deposits to total assets | 84.5443% | 4,088 |
| Equity capital to assets | 14.0150% | 1,034 |
| Core capital (leverage) ratio | 11.2529% | 1,981 |
| Tier 1 risk-based capital ratio | 17.8373% | 2,051 |
| Total risk-based capital ratio | 20.1545% | 1,710 |
| Memoranda: | ||
| Average total assets | $322,535,200 | 2,015 |
| Average earning assets | $303,041,200 | 1,964 |
| Average equity | $44,794,800 | 1,492 |
| Average total loans | $182,323,400 | 2,326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4327% | 2,730 |
| Cost of funding earning assets | 0.7400% | 6,946 |
| Net interest margin | 4.6927% | 857 |
| Noninterest income to average assets | 1.0160% | 1,423 |
| Noninterest expense to average assets | 3.0817% | 3,416 |
| Loan and lease loss provision to assets | 0.6710% | 2,277 |
| Net operating income to assets | 1.1092% | 1,855 |
| Return on assets (ROA) | 1.1039% | 1,981 |
| Pretax return on assets | 1.6555% | 1,205 |
| Return on Equity (ROE) | 7.9672% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.0940% | 2,917 |
| Net charge-offs to loans | 1.2700% | 1,605 |
| Credit loss provision to net charge-offs | 93.8515% | 4,621 |
| Earnings coverage of net charge-offs (x) | 3.2651% | 3,515 |
| Efficiency ratio | 55.0306% | 6,678 |
| Assets per employee ($millions) | 3.9047% | 4,026 |
| Cash dividends to net income (ytd only)* | 36.0632% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 1,629 |
| Loan loss allowance to noncurrent loans | 35.5393% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 3.5442% | 2,006 |
| Noncurrent loans to loans | 6.4717% | 922 |
| Net loans and leases to total assets | 53.5045% | 5,919 |
| Net loans and leases to deposits | 64.0003% | 5,915 |
| Net loans and leases to core deposits | 79.5780% | 4,577 |
| Total domestic deposits to total assets | 83.6005% | 4,319 |
| Equity capital to assets | 14.2614% | 1,099 |
| Core capital (leverage) ratio | 11.0431% | 2,229 |
| Tier 1 risk-based capital ratio | 18.3569% | 1,917 |
| Total risk-based capital ratio | 21.3106% | 1,504 |
| Memoranda: | ||
| Average total assets | $321,504,750 | 2,055 |
| Average earning assets | $301,451,250 | 2,005 |
| Average equity | $44,548,250 | 1,507 |
| Average total loans | $180,989,000 | 2,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6934% | 1,794 |
| Cost of funding earning assets | 0.7356% | 7,107 |
| Net interest margin | 4.9578% | 462 |
| Noninterest income to average assets | 0.9163% | 1,635 |
| Noninterest expense to average assets | 3.1005% | 3,318 |
| Loan and lease loss provision to assets | 0.7461% | 1,940 |
| Net operating income to assets | 1.1623% | 1,668 |
| Return on assets (ROA) | 1.2456% | 1,497 |
| Pretax return on assets | 1.8357% | 827 |
| Return on Equity (ROE) | 9.0772% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.1797% | 2,238 |
| Net charge-offs to loans | 1.0816% | 1,742 |
| Credit loss provision to net charge-offs | 121.4358% | 3,339 |
| Earnings coverage of net charge-offs (x) | 4.0030% | 3,091 |
| Efficiency ratio | 53.9441% | 6,887 |
| Assets per employee ($millions) | 3.7032% | 4,459 |
| Cash dividends to net income (ytd only)* | 31.9202% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3602% | 1,492 |
| Loan loss allowance to noncurrent loans | 65.2813% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 3,353 |
| Noncurrent loans to loans | 3.6154% | 2,179 |
| Net loans and leases to total assets | 57.1837% | 5,535 |
| Net loans and leases to deposits | 68.1878% | 5,540 |
| Net loans and leases to core deposits | 85.1728% | 3,960 |
| Total domestic deposits to total assets | 83.8621% | 4,167 |
| Equity capital to assets | 14.1412% | 1,121 |
| Core capital (leverage) ratio | 10.9972% | 2,248 |
| Tier 1 risk-based capital ratio | 17.2982% | 2,169 |
| Total risk-based capital ratio | 20.1743% | 1,710 |
| Memoranda: | ||
| Average total assets | $321,944,330 | 2,060 |
| Average earning assets | $301,543,000 | 2,016 |
| Average equity | $44,176,670 | 1,510 |
| Average total loans | $182,869,670 | 2,390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8564% | 1,311 |
| Cost of funding earning assets | 0.7330% | 7,261 |
| Net interest margin | 5.1234% | 330 |
| Noninterest income to average assets | 0.8909% | 1,661 |
| Noninterest expense to average assets | 3.1063% | 3,238 |
| Loan and lease loss provision to assets | 1.2275% | 988 |
| Net operating income to assets | 0.9528% | 2,351 |
| Return on assets (ROA) | 1.0973% | 1,919 |
| Pretax return on assets | 1.5642% | 1,352 |
| Return on Equity (ROE) | 8.1166% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.2081% | 3,038 |
| Net charge-offs to loans | 2.0183% | 849 |
| Credit loss provision to net charge-offs | 108.7051% | 3,164 |
| Earnings coverage of net charge-offs (x) | 2.2894% | 3,393 |
| Efficiency ratio | 52.8282% | 7,069 |
| Assets per employee ($millions) | 4.0339% | 3,799 |
| Cash dividends to net income (ytd only)* | 35.8343% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3573% | 1,479 |
| Loan loss allowance to noncurrent loans | 58.8588% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.1937% | 3,284 |
| Noncurrent loans to loans | 4.0050% | 1,957 |
| Net loans and leases to total assets | 53.4833% | 6,092 |
| Net loans and leases to deposits | 63.2876% | 6,139 |
| Net loans and leases to core deposits | 69.7888% | 5,938 |
| Total domestic deposits to total assets | 84.5083% | 3,893 |
| Equity capital to assets | 13.5220% | 1,314 |
| Core capital (leverage) ratio | 10.5530% | 2,572 |
| Tier 1 risk-based capital ratio | 17.2351% | 2,183 |
| Total risk-based capital ratio | 20.1471% | 1,703 |
| Memoranda: | ||
| Average total assets | $325,529,000 | 2,089 |
| Average earning assets | $305,033,000 | 2,048 |
| Average equity | $44,008,500 | 1,525 |
| Average total loans | $182,129,000 | 2,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 2,309 |
| Cost of funding earning assets | 0.9999% | 7,206 |
| Net interest margin | 4.8833% | 583 |
| Noninterest income to average assets | 0.9134% | 1,894 |
| Noninterest expense to average assets | 3.3204% | 2,946 |
| Loan and lease loss provision to assets | 0.2020% | 5,726 |
| Net operating income to assets | 1.3555% | 928 |
| Return on assets (ROA) | 1.3660% | 959 |
| Pretax return on assets | 1.9826% | 419 |
| Return on Equity (ROE) | 10.5586% | 1,536 |
| Retained earnings to average equity (ytd only) | 7.5532% | 815 |
| Net charge-offs to loans | -0.0861% | 7,876 |
| Credit loss provision to net charge-offs | -423.5669% | 7,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5570% | 6,687 |
| Assets per employee ($millions) | 4.0038% | 3,809 |
| Cash dividends to net income (ytd only)* | 28.4634% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 1,586 |
| Loan loss allowance to noncurrent loans | 47.3787% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.6937% | 2,600 |
| Noncurrent loans to loans | 4.7149% | 1,482 |
| Net loans and leases to total assets | 55.8554% | 5,968 |
| Net loans and leases to deposits | 65.9663% | 6,053 |
| Net loans and leases to core deposits | 92.3111% | 4,844 |
| Total domestic deposits to total assets | 84.6726% | 3,720 |
| Equity capital to assets | 13.5161% | 1,315 |
| Core capital (leverage) ratio | 10.5073% | 2,598 |
| Tier 1 risk-based capital ratio | 16.4255% | 2,348 |
| Total risk-based capital ratio | 19.2904% | 1,843 |
| Memoranda: | ||
| Average total assets | $329,209,600 | 2,057 |
| Average earning assets | $308,523,800 | 2,019 |
| Average equity | $42,591,000 | 1,569 |
| Average total loans | $182,269,000 | 2,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 2,277 |
| Cost of funding earning assets | 1.0547% | 7,277 |
| Net interest margin | 4.8845% | 573 |
| Noninterest income to average assets | 0.9527% | 1,770 |
| Noninterest expense to average assets | 3.3232% | 2,827 |
| Loan and lease loss provision to assets | 0.0968% | 6,398 |
| Net operating income to assets | 1.5011% | 810 |
| Return on assets (ROA) | 1.5151% | 842 |
| Pretax return on assets | 2.1325% | 414 |
| Return on Equity (ROE) | 11.8413% | 1,397 |
| Retained earnings to average equity (ytd only) | 8.8140% | 889 |
| Net charge-offs to loans | -0.0837% | 7,907 |
| Credit loss provision to net charge-offs | -210.5263% | 7,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1607% | 6,695 |
| Assets per employee ($millions) | 3.9052% | 3,925 |
| Cash dividends to net income (ytd only)* | 25.5660% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 1,778 |
| Loan loss allowance to noncurrent loans | 638.4348% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 7,087 |
| Noncurrent loans to loans | 0.3146% | 6,728 |
| Net loans and leases to total assets | 55.9330% | 6,148 |
| Net loans and leases to deposits | 66.5776% | 6,251 |
| Net loans and leases to core deposits | 95.8874% | 4,828 |
| Total domestic deposits to total assets | 84.0118% | 3,715 |
| Equity capital to assets | 13.5895% | 1,457 |
| Core capital (leverage) ratio | 10.1688% | 3,095 |
| Tier 1 risk-based capital ratio | 16.3987% | 2,473 |
| Total risk-based capital ratio | 19.8261% | 1,801 |
| Memoranda: | ||
| Average total assets | $330,434,750 | 2,069 |
| Average earning assets | $309,846,000 | 2,029 |
| Average equity | $42,280,250 | 1,596 |
| Average total loans | $181,515,500 | 2,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0891% | 1,824 |
| Cost of funding earning assets | 1.1101% | 7,356 |
| Net interest margin | 4.9790% | 455 |
| Noninterest income to average assets | 0.9292% | 1,847 |
| Noninterest expense to average assets | 3.3076% | 2,923 |
| Loan and lease loss provision to assets | 0.1438% | 5,631 |
| Net operating income to assets | 1.5772% | 717 |
| Return on assets (ROA) | 1.5972% | 750 |
| Pretax return on assets | 2.1723% | 381 |
| Return on Equity (ROE) | 12.7353% | 1,234 |
| Retained earnings to average equity (ytd only) | 9.6780% | 791 |
| Net charge-offs to loans | -0.0939% | 7,942 |
| Credit loss provision to net charge-offs | -282.3529% | 7,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2361% | 6,964 |
| Assets per employee ($millions) | 3.7461% | 4,218 |
| Cash dividends to net income (ytd only)* | 24.0060% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9500% | 1,674 |
| Loan loss allowance to noncurrent loans | 534.8018% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 6,988 |
| Noncurrent loans to loans | 0.3646% | 6,598 |
| Net loans and leases to total assets | 55.5518% | 6,263 |
| Net loans and leases to deposits | 65.5585% | 6,431 |
| Net loans and leases to core deposits | 91.8581% | 5,366 |
| Total domestic deposits to total assets | 84.7363% | 3,386 |
| Equity capital to assets | 12.9692% | 1,705 |
| Core capital (leverage) ratio | 9.8109% | 3,504 |
| Tier 1 risk-based capital ratio | 15.7602% | 2,707 |
| Total risk-based capital ratio | 19.1622% | 1,981 |
| Memoranda: | ||
| Average total assets | $333,838,330 | 2,083 |
| Average earning assets | $312,952,000 | 2,038 |
| Average equity | $41,868,000 | 1,626 |
| Average total loans | $181,093,330 | 2,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0977% | 1,954 |
| Cost of funding earning assets | 1.2096% | 7,280 |
| Net interest margin | 4.8880% | 515 |
| Noninterest income to average assets | 0.9050% | 1,828 |
| Noninterest expense to average assets | 3.2626% | 2,760 |
| Loan and lease loss provision to assets | 0.2143% | 4,301 |
| Net operating income to assets | 1.4554% | 1,028 |
| Return on assets (ROA) | 1.4777% | 1,055 |
| Pretax return on assets | 2.0492% | 604 |
| Return on Equity (ROE) | 11.9831% | 1,664 |
| Retained earnings to average equity (ytd only) | 8.8932% | 1,514 |
| Net charge-offs to loans | -0.0337% | 7,587 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4865% | 6,763 |
| Assets per employee ($millions) | 3.9038% | 3,862 |
| Cash dividends to net income (ytd only)* | 25.7857% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 1,423 |
| Loan loss allowance to noncurrent loans | 621.5929% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 7,043 |
| Noncurrent loans to loans | 0.3216% | 6,638 |
| Net loans and leases to total assets | 51.8873% | 6,694 |
| Net loans and leases to deposits | 60.9754% | 6,815 |
| Net loans and leases to core deposits | 86.7295% | 5,851 |
| Total domestic deposits to total assets | 85.0955% | 3,148 |
| Equity capital to assets | 12.5752% | 1,934 |
| Core capital (leverage) ratio | 9.3010% | 4,246 |
| Tier 1 risk-based capital ratio | 15.7413% | 2,771 |
| Total risk-based capital ratio | 19.2221% | 2,008 |
| Memoranda: | ||
| Average total assets | $335,928,500 | 2,074 |
| Average earning assets | $315,465,500 | 2,026 |
| Average equity | $41,425,000 | 1,644 |
| Average total loans | $178,253,500 | 2,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3244% | 3,830 |
| Cost of funding earning assets | 1.6724% | 7,323 |
| Net interest margin | 4.6521% | 1,050 |
| Noninterest income to average assets | 1.0245% | 1,510 |
| Noninterest expense to average assets | 3.1641% | 3,470 |
| Loan and lease loss provision to assets | 0.1892% | 4,993 |
| Net operating income to assets | 1.3980% | 1,237 |
| Return on assets (ROA) | 1.4291% | 1,124 |
| Pretax return on assets | 2.0707% | 517 |
| Return on Equity (ROE) | 10.6970% | 2,014 |
| Retained earnings to average equity (ytd only) | 8.0601% | 829 |
| Net charge-offs to loans | -0.0485% | 8,023 |
| Credit loss provision to net charge-offs | -705.1282% | 7,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2881% | 6,822 |
| Assets per employee ($millions) | 4.3043% | 2,950 |
| Cash dividends to net income (ytd only)* | 24.6509% | 4,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 1,563 |
| Loan loss allowance to noncurrent loans | 611.9926% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 6,934 |
| Noncurrent loans to loans | 0.2997% | 6,482 |
| Net loans and leases to total assets | 52.2018% | 6,830 |
| Net loans and leases to deposits | 60.8047% | 7,030 |
| Net loans and leases to core deposits | 82.5855% | 6,407 |
| Total domestic deposits to total assets | 85.8516% | 2,473 |
| Equity capital to assets | 12.0936% | 2,235 |
| Core capital (leverage) ratio | 9.7075% | 3,757 |
| Tier 1 risk-based capital ratio | 14.9118% | 3,082 |
| Total risk-based capital ratio | 18.3403% | 2,232 |
| Memoranda: | ||
| Average total assets | $290,671,400 | 2,249 |
| Average earning assets | $272,071,400 | 2,221 |
| Average equity | $38,833,400 | 1,740 |
| Average total loans | $160,889,600 | 2,763 |