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 | 4.4809% | 3,914 |
| Cost of funding earning assets | 0.3631% | 4,323 |
| Net interest margin | 4.1178% | 1,078 |
| Noninterest income to average assets | 3.2000% | 181 |
| Noninterest expense to average assets | 5.0900% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4647% | 1,151 |
| Return on assets (ROA) | 1.4647% | 1,145 |
| Pretax return on assets | 1.9383% | 775 |
| Return on Equity (ROE) | 12.1500% | 1,711 |
| Retained earnings to average equity (ytd only) | 8.6738% | 1,513 |
| Net charge-offs to loans | -0.0150% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.3667% | 1,674 |
| Assets per employee ($millions) | 3.9271% | 4,122 |
| Cash dividends to net income (ytd only)* | 28.6360% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,339 |
| Loan loss allowance to noncurrent loans | 626.8765% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 2,820 |
| Noncurrent loans to loans | 0.2214% | 2,707 |
| Net loans and leases to total assets | 61.6300% | 2,738 |
| Net loans and leases to deposits | 70.8842% | 2,805 |
| Net loans and leases to core deposits | 72.2953% | 3,179 |
| Total domestic deposits to total assets | 86.9400% | 1,944 |
| Equity capital to assets | 12.5005% | 1,055 |
| Core capital (leverage) ratio | 13.4187% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3580% | 395 |
| Memoranda: | ||
| Average total assets | $302,321,000 | 2,468 |
| Average earning assets | $280,925,500 | 2,472 |
| Average equity | $36,431,500 | 2,167 |
| Average total loans | $186,610,500 | 2,506 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 3,809 |
| Cost of funding earning assets | 0.3453% | 4,383 |
| Net interest margin | 4.1798% | 922 |
| Noninterest income to average assets | 2.2100% | 226 |
| Noninterest expense to average assets | 4.5870% | 272 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | 1.1814% | 1,559 |
| Return on assets (ROA) | 1.1814% | 1,561 |
| Pretax return on assets | 1.5335% | 1,259 |
| Return on Equity (ROE) | 10.8700% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.3920% | 1,275 |
| Net charge-offs to loans | -0.0204% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.2802% | 1,556 |
| Assets per employee ($millions) | 3.8380% | 4,165 |
| Cash dividends to net income (ytd only)* | 22.7857% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 1,152 |
| Loan loss allowance to noncurrent loans | 384.7552% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 2,294 |
| Noncurrent loans to loans | 0.3802% | 2,137 |
| Net loans and leases to total assets | 61.9100% | 2,747 |
| Net loans and leases to deposits | 71.6059% | 2,844 |
| Net loans and leases to core deposits | 73.0173% | 3,236 |
| Total domestic deposits to total assets | 86.4600% | 1,775 |
| Equity capital to assets | 11.8825% | 1,326 |
| Core capital (leverage) ratio | 12.5977% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9209% | 480 |
| Memoranda: | ||
| Average total assets | $307,093,000 | 2,426 |
| Average earning assets | $284,215,500 | 2,429 |
| Average equity | $33,380,250 | 2,239 |
| Average total loans | $189,099,000 | 2,444 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 3,809 |
| Cost of funding earning assets | 0.3414% | 4,394 |
| Net interest margin | 4.1391% | 961 |
| Noninterest income to average assets | 2.3100% | 219 |
| Noninterest expense to average assets | 4.6585% | 258 |
| Loan and lease loss provision to assets | -0.0600% | 4,343 |
| Net operating income to assets | 1.1813% | 1,520 |
| Return on assets (ROA) | 1.1813% | 1,520 |
| Pretax return on assets | 1.5339% | 1,222 |
| Return on Equity (ROE) | 11.2000% | 1,824 |
| Retained earnings to average equity (ytd only) | 9.3048% | 1,025 |
| Net charge-offs to loans | -0.0222% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.8419% | 1,564 |
| Assets per employee ($millions) | 3.7779% | 4,194 |
| Cash dividends to net income (ytd only)* | 16.9492% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,221 |
| Loan loss allowance to noncurrent loans | 370.6757% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 2,216 |
| Noncurrent loans to loans | 0.3913% | 2,017 |
| Net loans and leases to total assets | 60.9100% | 2,870 |
| Net loans and leases to deposits | 69.1379% | 3,057 |
| Net loans and leases to core deposits | 70.5077% | 3,344 |
| Total domestic deposits to total assets | 88.0900% | 1,298 |
| Equity capital to assets | 10.9049% | 1,615 |
| Core capital (leverage) ratio | 12.4051% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9609% | 535 |
| Memoranda: | ||
| Average total assets | $309,669,000 | 2,397 |
| Average earning assets | $285,905,000 | 2,409 |
| Average equity | $32,649,667 | 2,245 |
| Average total loans | $189,438,000 | 2,438 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 3,771 |
| Cost of funding earning assets | 0.3285% | 4,423 |
| Net interest margin | 4.1105% | 957 |
| Noninterest income to average assets | 2.8400% | 183 |
| Noninterest expense to average assets | 4.7923% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4061% | 1,047 |
| Return on assets (ROA) | 1.4061% | 1,052 |
| Pretax return on assets | 1.8427% | 779 |
| Return on Equity (ROE) | 13.5600% | 1,227 |
| Retained earnings to average equity (ytd only) | 9.7245% | 1,165 |
| Net charge-offs to loans | -0.0253% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.1438% | 2,025 |
| Assets per employee ($millions) | 3.7521% | 4,217 |
| Cash dividends to net income (ytd only)* | 28.3105% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,299 |
| Loan loss allowance to noncurrent loans | 347.3952% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 2,073 |
| Noncurrent loans to loans | 0.4107% | 1,898 |
| Net loans and leases to total assets | 62.1500% | 2,654 |
| Net loans and leases to deposits | 70.1019% | 2,869 |
| Net loans and leases to core deposits | 71.6394% | 3,244 |
| Total domestic deposits to total assets | 88.6600% | 1,208 |
| Equity capital to assets | 10.6787% | 1,645 |
| Core capital (leverage) ratio | 12.0091% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1064% | 599 |
| Memoranda: | ||
| Average total assets | $311,499,000 | 2,397 |
| Average earning assets | $287,360,000 | 2,406 |
| Average equity | $32,289,500 | 2,257 |
| Average total loans | $189,598,000 | 2,432 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 3,403 |
| Cost of funding earning assets | 0.1998% | 4,441 |
| Net interest margin | 4.1238% | 1,047 |
| Noninterest income to average assets | 1.8200% | 299 |
| Noninterest expense to average assets | 3.8780% | 404 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | 1.4284% | 1,163 |
| Return on assets (ROA) | 1.4284% | 1,131 |
| Pretax return on assets | 1.8504% | 824 |
| Return on Equity (ROE) | 16.1300% | 1,074 |
| Retained earnings to average equity (ytd only) | 14.1563% | 389 |
| Net charge-offs to loans | -0.1146% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.5835% | 2,159 |
| Assets per employee ($millions) | 3.8911% | 4,195 |
| Cash dividends to net income (ytd only)* | 12.2524% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,196 |
| Loan loss allowance to noncurrent loans | 507.8358% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,423 |
| Noncurrent loans to loans | 0.2858% | 2,156 |
| Net loans and leases to total assets | 57.9300% | 3,042 |
| Net loans and leases to deposits | 65.4503% | 3,207 |
| Net loans and leases to core deposits | 66.6390% | 3,469 |
| Total domestic deposits to total assets | 88.5100% | 1,203 |
| Equity capital to assets | 10.0679% | 1,966 |
| Core capital (leverage) ratio | 11.5888% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8425% | 620 |
| Memoranda: | ||
| Average total assets | $325,119,000 | 2,294 |
| Average earning assets | $300,863,200 | 2,302 |
| Average equity | $28,785,800 | 2,326 |
| Average total loans | $181,541,600 | 2,435 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 3,288 |
| Cost of funding earning assets | 0.1734% | 4,462 |
| Net interest margin | 4.1316% | 1,013 |
| Noninterest income to average assets | 1.9100% | 297 |
| Noninterest expense to average assets | 3.8971% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4262% | 1,265 |
| Return on assets (ROA) | 1.4262% | 1,244 |
| Pretax return on assets | 1.8434% | 935 |
| Return on Equity (ROE) | 16.6700% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.9525% | 679 |
| Net charge-offs to loans | -0.1444% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.6927% | 2,193 |
| Assets per employee ($millions) | 3.7428% | 4,261 |
| Cash dividends to net income (ytd only)* | 16.2851% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 789 |
| Loan loss allowance to noncurrent loans | 540.0356% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,372 |
| Noncurrent loans to loans | 0.3049% | 2,144 |
| Net loans and leases to total assets | 59.0600% | 2,932 |
| Net loans and leases to deposits | 65.9021% | 3,135 |
| Net loans and leases to core deposits | 67.0622% | 3,376 |
| Total domestic deposits to total assets | 89.6200% | 1,037 |
| Equity capital to assets | 9.3833% | 2,174 |
| Core capital (leverage) ratio | 11.0040% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5058% | 661 |
| Memoranda: | ||
| Average total assets | $326,630,250 | 2,289 |
| Average earning assets | $302,958,500 | 2,288 |
| Average equity | $27,951,250 | 2,357 |
| Average total loans | $180,035,500 | 2,449 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,204 |
| Cost of funding earning assets | 0.1416% | 4,485 |
| Net interest margin | 4.1042% | 1,081 |
| Noninterest income to average assets | 1.9500% | 248 |
| Noninterest expense to average assets | 3.8385% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4868% | 1,131 |
| Return on assets (ROA) | 1.4868% | 1,126 |
| Pretax return on assets | 1.9207% | 834 |
| Return on Equity (ROE) | 17.9000% | 970 |
| Retained earnings to average equity (ytd only) | 15.9601% | 476 |
| Net charge-offs to loans | -0.0370% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.4820% | 2,312 |
| Assets per employee ($millions) | 3.9007% | 4,225 |
| Cash dividends to net income (ytd only)* | 10.8599% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,031 |
| Loan loss allowance to noncurrent loans | 474.8760% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,251 |
| Noncurrent loans to loans | 0.3266% | 1,963 |
| Net loans and leases to total assets | 57.0200% | 3,042 |
| Net loans and leases to deposits | 63.0346% | 3,252 |
| Net loans and leases to core deposits | 63.7096% | 3,467 |
| Total domestic deposits to total assets | 90.4500% | 798 |
| Equity capital to assets | 8.9314% | 2,564 |
| Core capital (leverage) ratio | 10.6687% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4201% | 677 |
| Memoranda: | ||
| Average total assets | $333,204,667 | 2,266 |
| Average earning assets | $309,391,333 | 2,262 |
| Average equity | $27,669,000 | 2,381 |
| Average total loans | $178,616,000 | 2,458 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 3,048 |
| Cost of funding earning assets | 0.1266% | 4,499 |
| Net interest margin | 4.0710% | 1,139 |
| Noninterest income to average assets | 2.3900% | 201 |
| Noninterest expense to average assets | 3.9850% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6841% | 849 |
| Return on assets (ROA) | 1.6841% | 845 |
| Pretax return on assets | 2.1867% | 584 |
| Return on Equity (ROE) | 21.0300% | 659 |
| Retained earnings to average equity (ytd only) | 17.0760% | 588 |
| Net charge-offs to loans | -0.0297% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.5011% | 2,522 |
| Assets per employee ($millions) | 4.0126% | 4,238 |
| Cash dividends to net income (ytd only)* | 18.7980% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 961 |
| Loan loss allowance to noncurrent loans | 457.2115% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,185 |
| Noncurrent loans to loans | 0.3557% | 1,869 |
| Net loans and leases to total assets | 53.0900% | 3,271 |
| Net loans and leases to deposits | 58.5613% | 3,418 |
| Net loans and leases to core deposits | 59.4036% | 3,570 |
| Total domestic deposits to total assets | 90.6600% | 926 |
| Equity capital to assets | 8.6446% | 2,791 |
| Core capital (leverage) ratio | 9.7557% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8477% | 673 |
| Memoranda: | ||
| Average total assets | $339,877,500 | 2,274 |
| Average earning assets | $315,991,500 | 2,272 |
| Average equity | $27,219,500 | 2,426 |
| Average total loans | $175,303,500 | 2,504 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2273% | 3,760 |
| Cost of funding earning assets | 0.1358% | 4,202 |
| Net interest margin | 3.0915% | 3,198 |
| Noninterest income to average assets | 1.6200% | 317 |
| Noninterest expense to average assets | 3.5354% | 477 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 0.9034% | 2,944 |
| Return on assets (ROA) | 0.9034% | 2,882 |
| Pretax return on assets | 1.1791% | 2,509 |
| Return on Equity (ROE) | 11.5200% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.6144% | 1,272 |
| Net charge-offs to loans | -0.1319% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.9001% | 930 |
| Assets per employee ($millions) | 4.3794% | 4,095 |
| Cash dividends to net income (ytd only)* | 16.5609% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 801 |
| Loan loss allowance to noncurrent loans | 397.8638% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,101 |
| Noncurrent loans to loans | 0.4275% | 1,648 |
| Net loans and leases to total assets | 48.5500% | 3,632 |
| Net loans and leases to deposits | 52.9953% | 3,736 |
| Net loans and leases to core deposits | 54.0691% | 3,803 |
| Total domestic deposits to total assets | 91.6100% | 748 |
| Equity capital to assets | 7.4259% | 3,417 |
| Core capital (leverage) ratio | 9.0243% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1437% | 812 |
| Memoranda: | ||
| Average total assets | $348,898,200 | 2,232 |
| Average earning assets | $326,154,600 | 2,214 |
| Average equity | $27,354,800 | 2,460 |
| Average total loans | $173,646,600 | 2,421 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9304% | 4,013 |
| Cost of funding earning assets | 0.1376% | 3,959 |
| Net interest margin | 2.7928% | 3,750 |
| Noninterest income to average assets | 1.7300% | 310 |
| Noninterest expense to average assets | 3.6115% | 440 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | 0.7015% | 3,567 |
| Return on assets (ROA) | 0.7015% | 3,524 |
| Pretax return on assets | 0.9256% | 3,249 |
| Return on Equity (ROE) | 8.8300% | 3,085 |
| Retained earnings to average equity (ytd only) | 6.3072% | 2,633 |
| Net charge-offs to loans | -0.1177% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.6303% | 674 |
| Assets per employee ($millions) | 4.3028% | 4,174 |
| Cash dividends to net income (ytd only)* | 28.5558% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 788 |
| Loan loss allowance to noncurrent loans | 384.6344% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 2,087 |
| Noncurrent loans to loans | 0.4579% | 1,660 |
| Net loans and leases to total assets | 49.0700% | 3,525 |
| Net loans and leases to deposits | 53.3574% | 3,641 |
| Net loans and leases to core deposits | 54.4268% | 3,719 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 6.9200% | 3,560 |
| Core capital (leverage) ratio | 8.6257% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4269% | 931 |
| Memoranda: | ||
| Average total assets | $347,440,000 | 2,245 |
| Average earning assets | $325,493,750 | 2,226 |
| Average equity | $27,608,000 | 2,483 |
| Average total loans | $173,259,500 | 2,432 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7714% | 4,027 |
| Cost of funding earning assets | 0.1381% | 3,734 |
| Net interest margin | 2.6333% | 3,844 |
| Noninterest income to average assets | 1.8377% | 257 |
| Noninterest expense to average assets | 3.6483% | 377 |
| Loan and lease loss provision to assets | -0.1736% | 4,667 |
| Net operating income to assets | 0.6261% | 3,555 |
| Return on assets (ROA) | 0.6261% | 3,503 |
| Pretax return on assets | 0.8344% | 3,242 |
| Return on Equity (ROE) | 7.5474% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.7268% | 2,423 |
| Net charge-offs to loans | -0.1556% | 4,543 |
| Credit loss provision to net charge-offs | 223.8806% | 920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1610% | 730 |
| Assets per employee ($millions) | 4.5064% | 4,064 |
| Cash dividends to net income (ytd only)* | 24.1220% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 766 |
| Loan loss allowance to noncurrent loans | 396.7391% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,130 |
| Noncurrent loans to loans | 0.4622% | 1,728 |
| Net loans and leases to total assets | 50.6865% | 3,300 |
| Net loans and leases to deposits | 55.4527% | 3,424 |
| Net loans and leases to core deposits | 56.6510% | 3,513 |
| Total domestic deposits to total assets | 91.4049% | 1,062 |
| Equity capital to assets | 7.7950% | 3,273 |
| Core capital (leverage) ratio | 8.6600% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8279% | 879 |
| Memoranda: | ||
| Average total assets | $345,642,667 | 2,259 |
| Average earning assets | $324,387,667 | 2,255 |
| Average equity | $28,672,000 | 2,484 |
| Average total loans | $172,264,000 | 2,445 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7109% | 3,928 |
| Cost of funding earning assets | 0.1367% | 3,679 |
| Net interest margin | 2.5742% | 3,726 |
| Noninterest income to average assets | 2.3793% | 193 |
| Noninterest expense to average assets | 3.8369% | 310 |
| Loan and lease loss provision to assets | -0.1160% | 4,617 |
| Net operating income to assets | 0.7989% | 2,661 |
| Return on assets (ROA) | 0.7989% | 2,653 |
| Pretax return on assets | 1.0818% | 2,200 |
| Return on Equity (ROE) | 9.3474% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.8065% | 2,311 |
| Net charge-offs to loans | -0.2630% | 4,639 |
| Credit loss provision to net charge-offs | 90.0901% | 1,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5369% | 1,268 |
| Assets per employee ($millions) | 4.3051% | 4,249 |
| Cash dividends to net income (ytd only)* | 37.8810% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 616 |
| Loan loss allowance to noncurrent loans | 385.9532% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 2,103 |
| Noncurrent loans to loans | 0.5178% | 1,729 |
| Net loans and leases to total assets | 49.2905% | 3,247 |
| Net loans and leases to deposits | 54.2858% | 3,397 |
| Net loans and leases to core deposits | 55.6683% | 3,473 |
| Total domestic deposits to total assets | 90.7981% | 1,135 |
| Equity capital to assets | 8.2054% | 3,401 |
| Core capital (leverage) ratio | 8.5714% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0214% | 900 |
| Memoranda: | ||
| Average total assets | $344,969,000 | 2,276 |
| Average earning assets | $324,765,000 | 2,263 |
| Average equity | $29,484,000 | 2,512 |
| Average total loans | $168,815,000 | 2,466 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7631% | 4,252 |
| Cost of funding earning assets | 0.1530% | 3,939 |
| Net interest margin | 2.6101% | 4,035 |
| Noninterest income to average assets | 1.5981% | 438 |
| Noninterest expense to average assets | 3.5037% | 470 |
| Loan and lease loss provision to assets | -0.0932% | 4,516 |
| Net operating income to assets | 0.4674% | 4,147 |
| Return on assets (ROA) | 0.4674% | 4,194 |
| Pretax return on assets | 0.6245% | 4,070 |
| Return on Equity (ROE) | 4.9694% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.2458% | 3,524 |
| Net charge-offs to loans | -0.2938% | 4,747 |
| Credit loss provision to net charge-offs | 59.6421% | 2,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1074% | 510 |
| Assets per employee ($millions) | 4.3738% | 4,215 |
| Cash dividends to net income (ytd only)* | 34.6844% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 521 |
| Loan loss allowance to noncurrent loans | 366.3482% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 2,185 |
| Noncurrent loans to loans | 0.5730% | 1,706 |
| Net loans and leases to total assets | 46.5825% | 3,649 |
| Net loans and leases to deposits | 51.7600% | 3,753 |
| Net loans and leases to core deposits | 53.1061% | 3,821 |
| Total domestic deposits to total assets | 89.9971% | 959 |
| Equity capital to assets | 8.8872% | 3,729 |
| Core capital (leverage) ratio | 8.5014% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,007,000 | 2,332 |
| Average earning assets | $300,644,200 | 2,331 |
| Average equity | $30,285,400 | 2,515 |
| Average total loans | $171,216,000 | 2,455 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8169% | 4,282 |
| Cost of funding earning assets | 0.1568% | 4,046 |
| Net interest margin | 2.6602% | 4,038 |
| Noninterest income to average assets | 1.6023% | 487 |
| Noninterest expense to average assets | 3.4859% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4437% | 4,308 |
| Return on assets (ROA) | 0.4437% | 4,342 |
| Pretax return on assets | 0.5926% | 4,244 |
| Return on Equity (ROE) | 4.6476% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.3415% | 4,098 |
| Net charge-offs to loans | -0.3015% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7332% | 533 |
| Assets per employee ($millions) | 4.1373% | 4,372 |
| Cash dividends to net income (ytd only)* | 49.6198% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1327% | 506 |
| Loan loss allowance to noncurrent loans | 419.7232% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,278 |
| Noncurrent loans to loans | 0.5081% | 2,036 |
| Net loans and leases to total assets | 50.4515% | 3,355 |
| Net loans and leases to deposits | 56.7821% | 3,505 |
| Net loans and leases to core deposits | 58.2265% | 3,609 |
| Total domestic deposits to total assets | 88.8511% | 1,372 |
| Equity capital to assets | 9.1449% | 3,703 |
| Core capital (leverage) ratio | 8.6945% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,126,500 | 2,386 |
| Average earning assets | $294,259,250 | 2,386 |
| Average equity | $30,179,750 | 2,551 |
| Average total loans | $172,918,250 | 2,481 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7314% | 4,422 |
| Cost of funding earning assets | 0.1597% | 4,125 |
| Net interest margin | 2.5717% | 4,212 |
| Noninterest income to average assets | 1.6724% | 440 |
| Noninterest expense to average assets | 3.5112% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4139% | 4,362 |
| Return on assets (ROA) | 0.4139% | 4,401 |
| Pretax return on assets | 0.5521% | 4,307 |
| Return on Equity (ROE) | 4.2719% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.5406% | 3,986 |
| Net charge-offs to loans | -0.2660% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6409% | 523 |
| Assets per employee ($millions) | 3.9698% | 4,466 |
| Cash dividends to net income (ytd only)* | 40.5280% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0793% | 524 |
| Loan loss allowance to noncurrent loans | 223.5219% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 1,320 |
| Noncurrent loans to loans | 0.9302% | 1,326 |
| Net loans and leases to total assets | 51.5745% | 3,386 |
| Net loans and leases to deposits | 58.0423% | 3,540 |
| Net loans and leases to core deposits | 59.2133% | 3,675 |
| Total domestic deposits to total assets | 88.8568% | 1,356 |
| Equity capital to assets | 9.5571% | 3,281 |
| Core capital (leverage) ratio | 8.8606% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,174,333 | 2,402 |
| Average earning assets | $289,306,667 | 2,407 |
| Average equity | $30,150,333 | 2,541 |
| Average total loans | $173,682,667 | 2,481 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 4,396 |
| Cost of funding earning assets | 0.1623% | 4,223 |
| Net interest margin | 2.6146% | 4,120 |
| Noninterest income to average assets | 1.9469% | 396 |
| Noninterest expense to average assets | 3.6159% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5585% | 4,050 |
| Return on assets (ROA) | 0.5585% | 4,095 |
| Pretax return on assets | 0.7585% | 3,891 |
| Return on Equity (ROE) | 5.7239% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.2496% | 3,961 |
| Net charge-offs to loans | -0.0950% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9976% | 756 |
| Assets per employee ($millions) | 3.9839% | 4,487 |
| Cash dividends to net income (ytd only)* | 60.6977% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 782 |
| Loan loss allowance to noncurrent loans | 186.9318% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 1,383 |
| Noncurrent loans to loans | 0.9961% | 1,350 |
| Net loans and leases to total assets | 55.8019% | 3,067 |
| Net loans and leases to deposits | 62.8620% | 3,234 |
| Net loans and leases to core deposits | 63.9132% | 3,422 |
| Total domestic deposits to total assets | 88.7689% | 1,456 |
| Equity capital to assets | 9.6922% | 3,010 |
| Core capital (leverage) ratio | 9.2225% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,969,000 | 2,402 |
| Average earning assets | $285,935,000 | 2,401 |
| Average equity | $30,049,500 | 2,537 |
| Average total loans | $176,888,500 | 2,462 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5727% | 3,867 |
| Cost of funding earning assets | 0.2132% | 4,537 |
| Net interest margin | 3.3594% | 2,903 |
| Noninterest income to average assets | 1.8999% | 357 |
| Noninterest expense to average assets | 3.8918% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8093% | 3,056 |
| Return on assets (ROA) | 0.8093% | 3,173 |
| Pretax return on assets | 1.0950% | 2,713 |
| Return on Equity (ROE) | 7.5145% | 2,993 |
| Retained earnings to average equity (ytd only) | 5.7396% | 1,936 |
| Net charge-offs to loans | -0.0561% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3972% | 1,180 |
| Assets per employee ($millions) | 3.8632% | 4,465 |
| Cash dividends to net income (ytd only)* | 23.6199% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 809 |
| Loan loss allowance to noncurrent loans | 171.0374% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 1,402 |
| Noncurrent loans to loans | 1.0724% | 1,328 |
| Net loans and leases to total assets | 56.9598% | 3,208 |
| Net loans and leases to deposits | 64.5104% | 3,401 |
| Net loans and leases to core deposits | 66.0080% | 3,539 |
| Total domestic deposits to total assets | 88.2956% | 1,330 |
| Equity capital to assets | 9.8236% | 3,291 |
| Core capital (leverage) ratio | 9.2064% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,060,800 | 2,442 |
| Average earning assets | $250,905,000 | 2,465 |
| Average equity | $29,409,800 | 2,508 |
| Average total loans | $183,596,200 | 2,383 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 3,514 |
| Cost of funding earning assets | 0.2267% | 4,584 |
| Net interest margin | 3.5886% | 2,310 |
| Noninterest income to average assets | 2.0817% | 308 |
| Noninterest expense to average assets | 4.0765% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9548% | 2,500 |
| Return on assets (ROA) | 0.9548% | 2,635 |
| Pretax return on assets | 1.2939% | 2,080 |
| Return on Equity (ROE) | 8.6466% | 2,549 |
| Retained earnings to average equity (ytd only) | 6.2686% | 1,988 |
| Net charge-offs to loans | -0.0641% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3326% | 1,377 |
| Assets per employee ($millions) | 3.6751% | 4,566 |
| Cash dividends to net income (ytd only)* | 27.5026% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 755 |
| Loan loss allowance to noncurrent loans | 173.4048% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 1,498 |
| Noncurrent loans to loans | 1.0290% | 1,457 |
| Net loans and leases to total assets | 62.0973% | 2,997 |
| Net loans and leases to deposits | 70.4968% | 3,268 |
| Net loans and leases to core deposits | 72.1723% | 3,458 |
| Total domestic deposits to total assets | 88.0853% | 1,181 |
| Equity capital to assets | 10.4446% | 2,839 |
| Core capital (leverage) ratio | 9.5796% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,027,500 | 2,472 |
| Average earning assets | $242,875,250 | 2,495 |
| Average equity | $29,267,000 | 2,514 |
| Average total loans | $185,223,750 | 2,372 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,330 |
| Cost of funding earning assets | 0.2447% | 4,638 |
| Net interest margin | 3.7528% | 1,981 |
| Noninterest income to average assets | 2.2597% | 256 |
| Noninterest expense to average assets | 4.1704% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1171% | 1,912 |
| Return on assets (ROA) | 1.1171% | 2,030 |
| Pretax return on assets | 1.5150% | 1,417 |
| Return on Equity (ROE) | 9.9164% | 2,011 |
| Retained earnings to average equity (ytd only) | 8.1191% | 1,265 |
| Net charge-offs to loans | -0.0600% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8243% | 1,706 |
| Assets per employee ($millions) | 3.5291% | 4,646 |
| Cash dividends to net income (ytd only)* | 18.1250% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 780 |
| Loan loss allowance to noncurrent loans | 110.7229% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 916 |
| Noncurrent loans to loans | 1.5565% | 963 |
| Net loans and leases to total assets | 66.3115% | 2,582 |
| Net loans and leases to deposits | 75.3502% | 2,935 |
| Net loans and leases to core deposits | 77.1332% | 3,183 |
| Total domestic deposits to total assets | 88.0045% | 1,182 |
| Equity capital to assets | 10.7811% | 2,504 |
| Core capital (leverage) ratio | 10.1958% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,818,333 | 2,490 |
| Average earning assets | $235,343,667 | 2,522 |
| Average equity | $29,042,667 | 2,520 |
| Average total loans | $186,552,000 | 2,339 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 3,298 |
| Cost of funding earning assets | 0.2675% | 4,735 |
| Net interest margin | 3.9091% | 1,652 |
| Noninterest income to average assets | 2.7090% | 173 |
| Noninterest expense to average assets | 4.4224% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3650% | 1,067 |
| Return on assets (ROA) | 1.3650% | 1,148 |
| Pretax return on assets | 1.8531% | 622 |
| Return on Equity (ROE) | 11.8362% | 1,148 |
| Retained earnings to average equity (ytd only) | 8.2018% | 1,169 |
| Net charge-offs to loans | -0.0620% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0379% | 2,505 |
| Assets per employee ($millions) | 3.1923% | 4,693 |
| Cash dividends to net income (ytd only)* | 30.7059% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 860 |
| Loan loss allowance to noncurrent loans | 136.1063% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 925 |
| Noncurrent loans to loans | 1.2573% | 1,299 |
| Net loans and leases to total assets | 73.2165% | 1,747 |
| Net loans and leases to deposits | 84.6019% | 2,158 |
| Net loans and leases to core deposits | 86.8662% | 2,608 |
| Total domestic deposits to total assets | 86.5424% | 1,755 |
| Equity capital to assets | 11.6692% | 2,312 |
| Core capital (leverage) ratio | 10.6635% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,093,000 | 2,499 |
| Average earning assets | $227,262,000 | 2,515 |
| Average equity | $28,725,500 | 2,532 |
| Average total loans | $186,960,000 | 2,290 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,841 |
| Cost of funding earning assets | 0.2737% | 4,791 |
| Net interest margin | 3.9123% | 2,128 |
| Noninterest income to average assets | 1.9702% | 267 |
| Noninterest expense to average assets | 4.4694% | 315 |
| Loan and lease loss provision to assets | -0.2443% | 5,133 |
| Net operating income to assets | 1.0474% | 2,662 |
| Return on assets (ROA) | 1.0474% | 2,762 |
| Pretax return on assets | 1.3247% | 2,417 |
| Return on Equity (ROE) | 9.4198% | 2,562 |
| Retained earnings to average equity (ytd only) | 7.5666% | 1,133 |
| Net charge-offs to loans | -0.1789% | 5,046 |
| Credit loss provision to net charge-offs | 177.5148% | 1,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8891% | 1,048 |
| Assets per employee ($millions) | 3.1947% | 4,704 |
| Cash dividends to net income (ytd only)* | 19.6734% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 852 |
| Loan loss allowance to noncurrent loans | 108.7483% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 778 |
| Noncurrent loans to loans | 1.5347% | 933 |
| Net loans and leases to total assets | 74.3588% | 1,693 |
| Net loans and leases to deposits | 86.1833% | 2,066 |
| Net loans and leases to core deposits | 88.5236% | 2,563 |
| Total domestic deposits to total assets | 86.2799% | 1,942 |
| Equity capital to assets | 11.3950% | 2,632 |
| Core capital (leverage) ratio | 10.3123% | 3,176 |
| Tier 1 risk-based capital ratio | 15.2250% | 2,688 |
| Total risk-based capital ratio | 16.4825% | 2,621 |
| Memoranda: | ||
| Average total assets | $245,560,200 | 2,492 |
| Average earning assets | $224,673,800 | 2,499 |
| Average equity | $27,304,200 | 2,539 |
| Average total loans | $188,883,800 | 2,246 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,896 |
| Cost of funding earning assets | 0.2740% | 4,861 |
| Net interest margin | 3.9380% | 2,140 |
| Noninterest income to average assets | 2.0905% | 245 |
| Noninterest expense to average assets | 4.4841% | 301 |
| Loan and lease loss provision to assets | -0.1635% | 5,199 |
| Net operating income to assets | 1.0992% | 2,571 |
| Return on assets (ROA) | 1.0992% | 2,668 |
| Pretax return on assets | 1.3657% | 2,436 |
| Return on Equity (ROE) | 9.9487% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.4529% | 1,648 |
| Net charge-offs to loans | -0.2131% | 5,123 |
| Credit loss provision to net charge-offs | 99.3377% | 2,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2475% | 1,187 |
| Assets per employee ($millions) | 3.1163% | 4,825 |
| Cash dividends to net income (ytd only)* | 25.0867% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 574 |
| Loan loss allowance to noncurrent loans | 157.0244% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 1,207 |
| Noncurrent loans to loans | 1.1944% | 1,310 |
| Net loans and leases to total assets | 72.4458% | 2,097 |
| Net loans and leases to deposits | 83.7949% | 2,482 |
| Net loans and leases to core deposits | 86.2147% | 2,893 |
| Total domestic deposits to total assets | 86.4560% | 1,791 |
| Equity capital to assets | 11.3339% | 2,811 |
| Core capital (leverage) ratio | 10.2770% | 3,329 |
| Tier 1 risk-based capital ratio | 15.5743% | 2,614 |
| Total risk-based capital ratio | 16.8352% | 2,548 |
| Memoranda: | ||
| Average total assets | $244,653,000 | 2,514 |
| Average earning assets | $223,389,750 | 2,531 |
| Average equity | $27,031,500 | 2,570 |
| Average total loans | $188,995,000 | 2,266 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 3,856 |
| Cost of funding earning assets | 0.2724% | 4,893 |
| Net interest margin | 3.9534% | 2,084 |
| Noninterest income to average assets | 2.0890% | 250 |
| Noninterest expense to average assets | 4.5040% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0191% | 2,845 |
| Return on assets (ROA) | 1.0191% | 2,929 |
| Pretax return on assets | 1.1993% | 2,904 |
| Return on Equity (ROE) | 9.3041% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.4118% | 1,640 |
| Net charge-offs to loans | -0.0021% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3628% | 1,232 |
| Assets per employee ($millions) | 3.0685% | 4,866 |
| Cash dividends to net income (ytd only)* | 20.3376% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 628 |
| Loan loss allowance to noncurrent loans | 149.0599% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 970 |
| Noncurrent loans to loans | 1.2369% | 1,290 |
| Net loans and leases to total assets | 74.8685% | 1,744 |
| Net loans and leases to deposits | 86.5704% | 2,192 |
| Net loans and leases to core deposits | 89.3413% | 2,654 |
| Total domestic deposits to total assets | 86.4828% | 1,825 |
| Equity capital to assets | 11.2830% | 2,793 |
| Core capital (leverage) ratio | 10.1487% | 3,444 |
| Tier 1 risk-based capital ratio | 14.7739% | 2,928 |
| Total risk-based capital ratio | 16.0342% | 2,855 |
| Memoranda: | ||
| Average total assets | $244,140,330 | 2,532 |
| Average earning assets | $223,202,000 | 2,547 |
| Average equity | $26,741,000 | 2,585 |
| Average total loans | $191,405,330 | 2,252 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 3,673 |
| Cost of funding earning assets | 0.2764% | 4,913 |
| Net interest margin | 3.9844% | 1,890 |
| Noninterest income to average assets | 2.3150% | 201 |
| Noninterest expense to average assets | 4.5142% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0955% | 2,491 |
| Return on assets (ROA) | 1.0955% | 2,536 |
| Pretax return on assets | 1.4726% | 1,858 |
| Return on Equity (ROE) | 10.1528% | 2,301 |
| Retained earnings to average equity (ytd only) | 6.3247% | 2,308 |
| Net charge-offs to loans | -0.2096% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8751% | 1,769 |
| Assets per employee ($millions) | 3.0819% | 4,932 |
| Cash dividends to net income (ytd only)* | 37.7049% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 703 |
| Loan loss allowance to noncurrent loans | 130.5917% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3624% | 934 |
| Noncurrent loans to loans | 1.3839% | 1,172 |
| Net loans and leases to total assets | 78.3042% | 1,107 |
| Net loans and leases to deposits | 90.1315% | 1,612 |
| Net loans and leases to core deposits | 92.0880% | 2,290 |
| Total domestic deposits to total assets | 86.8777% | 1,875 |
| Equity capital to assets | 10.9619% | 2,892 |
| Core capital (leverage) ratio | 9.8146% | 3,801 |
| Tier 1 risk-based capital ratio | 13.8598% | 3,415 |
| Total risk-based capital ratio | 15.1199% | 3,322 |
| Memoranda: | ||
| Average total assets | $245,006,000 | 2,554 |
| Average earning assets | $225,780,000 | 2,552 |
| Average equity | $26,436,000 | 2,610 |
| Average total loans | $194,659,500 | 2,252 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 4,007 |
| Cost of funding earning assets | 0.2142% | 4,948 |
| Net interest margin | 3.7935% | 2,682 |
| Noninterest income to average assets | 1.2501% | 597 |
| Noninterest expense to average assets | 3.6212% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8622% | 3,569 |
| Return on assets (ROA) | 0.8622% | 3,564 |
| Pretax return on assets | 1.1463% | 3,113 |
| Return on Equity (ROE) | 8.4377% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.0035% | 1,670 |
| Net charge-offs to loans | -0.0062% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9563% | 1,375 |
| Assets per employee ($millions) | 3.5731% | 4,476 |
| Cash dividends to net income (ytd only)* | 16.9972% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 764 |
| Loan loss allowance to noncurrent loans | 136.0080% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 965 |
| Noncurrent loans to loans | 1.2835% | 1,237 |
| Net loans and leases to total assets | 77.7781% | 1,309 |
| Net loans and leases to deposits | 88.6486% | 1,971 |
| Net loans and leases to core deposits | 90.2772% | 2,555 |
| Total domestic deposits to total assets | 87.7375% | 1,423 |
| Equity capital to assets | 10.6201% | 3,058 |
| Core capital (leverage) ratio | 11.0691% | 2,460 |
| Tier 1 risk-based capital ratio | 15.7615% | 2,507 |
| Total risk-based capital ratio | 17.0206% | 2,425 |
| Memoranda: | ||
| Average total assets | $245,661,400 | 2,502 |
| Average earning assets | $227,783,400 | 2,496 |
| Average equity | $25,101,600 | 2,639 |
| Average total loans | $192,857,200 | 2,226 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,936 |
| Cost of funding earning assets | 0.2100% | 4,983 |
| Net interest margin | 3.7890% | 2,692 |
| Noninterest income to average assets | 1.3635% | 514 |
| Noninterest expense to average assets | 3.6825% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8941% | 3,561 |
| Return on assets (ROA) | 0.8941% | 3,564 |
| Pretax return on assets | 1.1897% | 3,031 |
| Return on Equity (ROE) | 8.8381% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.9051% | 2,176 |
| Net charge-offs to loans | -0.0139% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5826% | 1,399 |
| Assets per employee ($millions) | 3.4623% | 4,606 |
| Cash dividends to net income (ytd only)* | 21.8713% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 834 |
| Loan loss allowance to noncurrent loans | 126.0613% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5869% | 794 |
| Noncurrent loans to loans | 1.3650% | 1,222 |
| Net loans and leases to total assets | 80.4766% | 949 |
| Net loans and leases to deposits | 91.5308% | 1,685 |
| Net loans and leases to core deposits | 93.3618% | 2,365 |
| Total domestic deposits to total assets | 87.9230% | 1,269 |
| Equity capital to assets | 10.4860% | 3,161 |
| Core capital (leverage) ratio | 10.9556% | 2,624 |
| Tier 1 risk-based capital ratio | 15.0952% | 2,841 |
| Total risk-based capital ratio | 16.3540% | 2,761 |
| Memoranda: | ||
| Average total assets | $245,441,500 | 2,516 |
| Average earning assets | $227,283,000 | 2,515 |
| Average equity | $24,831,250 | 2,671 |
| Average total loans | $192,281,000 | 2,240 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,905 |
| Cost of funding earning assets | 0.2096% | 4,983 |
| Net interest margin | 3.7484% | 2,755 |
| Noninterest income to average assets | 1.3925% | 492 |
| Noninterest expense to average assets | 3.6702% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8967% | 3,467 |
| Return on assets (ROA) | 0.8967% | 3,475 |
| Pretax return on assets | 1.1912% | 2,970 |
| Return on Equity (ROE) | 8.9702% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.5090% | 1,839 |
| Net charge-offs to loans | 0.0179% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 86.3529% | 783 |
| Efficiency ratio | 75.4966% | 1,492 |
| Assets per employee ($millions) | 3.3441% | 4,773 |
| Cash dividends to net income (ytd only)* | 16.2896% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 863 |
| Loan loss allowance to noncurrent loans | 119.3218% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 655 |
| Noncurrent loans to loans | 1.4450% | 1,170 |
| Net loans and leases to total assets | 79.9633% | 1,030 |
| Net loans and leases to deposits | 90.8042% | 1,737 |
| Net loans and leases to core deposits | 92.5146% | 2,352 |
| Total domestic deposits to total assets | 88.0612% | 1,344 |
| Equity capital to assets | 10.4021% | 3,210 |
| Core capital (leverage) ratio | 10.6836% | 2,828 |
| Tier 1 risk-based capital ratio | 14.9282% | 2,906 |
| Total risk-based capital ratio | 16.1869% | 2,827 |
| Memoranda: | ||
| Average total assets | $246,468,330 | 2,520 |
| Average earning assets | $228,095,670 | 2,524 |
| Average equity | $24,637,000 | 2,690 |
| Average total loans | $190,221,670 | 2,264 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,025 |
| Cost of funding earning assets | 0.2092% | 4,960 |
| Net interest margin | 3.6583% | 2,960 |
| Noninterest income to average assets | 1.7023% | 347 |
| Noninterest expense to average assets | 3.6773% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0669% | 2,577 |
| Return on assets (ROA) | 1.0669% | 2,589 |
| Pretax return on assets | 1.4199% | 1,936 |
| Return on Equity (ROE) | 10.8871% | 2,016 |
| Retained earnings to average equity (ytd only) | 7.9402% | 1,864 |
| Net charge-offs to loans | -0.0491% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1435% | 2,169 |
| Assets per employee ($millions) | 3.4494% | 4,729 |
| Cash dividends to net income (ytd only)* | 27.0677% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 791 |
| Loan loss allowance to noncurrent loans | 120.6069% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.9106% | 616 |
| Noncurrent loans to loans | 1.4900% | 1,184 |
| Net loans and leases to total assets | 75.2083% | 1,669 |
| Net loans and leases to deposits | 84.9189% | 2,297 |
| Net loans and leases to core deposits | 86.4661% | 2,763 |
| Total domestic deposits to total assets | 88.5648% | 1,322 |
| Equity capital to assets | 9.9196% | 3,678 |
| Core capital (leverage) ratio | 10.4656% | 2,989 |
| Tier 1 risk-based capital ratio | 15.0416% | 2,845 |
| Total risk-based capital ratio | 16.3013% | 2,780 |
| Memoranda: | ||
| Average total assets | $249,313,500 | 2,522 |
| Average earning assets | $231,365,500 | 2,520 |
| Average equity | $24,432,500 | 2,728 |
| Average total loans | $187,376,500 | 2,303 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 3,965 |
| Cost of funding earning assets | 0.2890% | 4,230 |
| Net interest margin | 3.5348% | 3,405 |
| Noninterest income to average assets | 1.1438% | 776 |
| Noninterest expense to average assets | 3.4975% | 1,043 |
| Loan and lease loss provision to assets | -0.2837% | 5,610 |
| Net operating income to assets | 0.6181% | 3,937 |
| Return on assets (ROA) | 0.6181% | 3,977 |
| Pretax return on assets | 1.1823% | 2,840 |
| Return on Equity (ROE) | 6.4009% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.8983% | 2,191 |
| Net charge-offs to loans | 0.1192% | 1,853 |
| Credit loss provision to net charge-offs | -334.9282% | 4,881 |
| Earnings coverage of net charge-offs (x) | 10.6077% | 2,658 |
| Efficiency ratio | 79.5593% | 1,150 |
| Assets per employee ($millions) | 3.5753% | 4,606 |
| Cash dividends to net income (ytd only)* | 23.4754% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 726 |
| Loan loss allowance to noncurrent loans | 117.4740% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 566 |
| Noncurrent loans to loans | 1.5660% | 1,080 |
| Net loans and leases to total assets | 72.3838% | 2,163 |
| Net loans and leases to deposits | 81.7977% | 2,740 |
| Net loans and leases to core deposits | 83.1299% | 3,145 |
| Total domestic deposits to total assets | 88.4912% | 1,256 |
| Equity capital to assets | 9.6811% | 4,055 |
| Core capital (leverage) ratio | 10.0390% | 3,408 |
| Tier 1 risk-based capital ratio | 15.0231% | 2,846 |
| Total risk-based capital ratio | 16.2828% | 2,765 |
| Memoranda: | ||
| Average total assets | $246,721,800 | 2,512 |
| Average earning assets | $227,001,200 | 2,529 |
| Average equity | $23,824,600 | 2,779 |
| Average total loans | $175,372,200 | 2,380 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,270 |
| Cost of funding earning assets | 0.3118% | 4,006 |
| Net interest margin | 3.4069% | 3,825 |
| Noninterest income to average assets | 1.1959% | 725 |
| Noninterest expense to average assets | 3.5497% | 921 |
| Loan and lease loss provision to assets | -0.2847% | 5,690 |
| Net operating income to assets | 0.6600% | 4,158 |
| Return on assets (ROA) | 0.6600% | 4,212 |
| Pretax return on assets | 1.0598% | 3,460 |
| Return on Equity (ROE) | 6.8398% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.8277% | 3,000 |
| Net charge-offs to loans | 0.1186% | 1,600 |
| Credit loss provision to net charge-offs | -340.9091% | 4,722 |
| Earnings coverage of net charge-offs (x) | 9.2792% | 2,707 |
| Efficiency ratio | 82.0793% | 908 |
| Assets per employee ($millions) | 3.5529% | 4,649 |
| Cash dividends to net income (ytd only)* | 29.4164% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 603 |
| Loan loss allowance to noncurrent loans | 68.1647% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 3.0230% | 293 |
| Noncurrent loans to loans | 2.8868% | 458 |
| Net loans and leases to total assets | 73.6646% | 1,972 |
| Net loans and leases to deposits | 83.0601% | 2,651 |
| Net loans and leases to core deposits | 84.4365% | 3,094 |
| Total domestic deposits to total assets | 88.6883% | 1,017 |
| Equity capital to assets | 9.8490% | 4,087 |
| Core capital (leverage) ratio | 10.1884% | 3,326 |
| Tier 1 risk-based capital ratio | 14.4546% | 3,211 |
| Total risk-based capital ratio | 15.7162% | 3,114 |
| Memoranda: | ||
| Average total assets | $245,834,750 | 2,537 |
| Average earning assets | $225,770,250 | 2,561 |
| Average equity | $23,723,500 | 2,808 |
| Average total loans | $173,077,750 | 2,407 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 4,211 |
| Cost of funding earning assets | 0.3375% | 3,719 |
| Net interest margin | 3.3701% | 3,878 |
| Noninterest income to average assets | 1.2412% | 676 |
| Noninterest expense to average assets | 3.5780% | 893 |
| Loan and lease loss provision to assets | -0.2845% | 5,729 |
| Net operating income to assets | 0.6454% | 4,107 |
| Return on assets (ROA) | 0.6454% | 4,155 |
| Pretax return on assets | 1.0396% | 3,404 |
| Return on Equity (ROE) | 6.7337% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.2241% | 2,568 |
| Net charge-offs to loans | 0.0083% | 3,160 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,069 |
| Earnings coverage of net charge-offs (x) | 132.7143% | 541 |
| Efficiency ratio | 82.5736% | 950 |
| Assets per employee ($millions) | 3.4600% | 4,785 |
| Cash dividends to net income (ytd only)* | 22.4181% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 394 |
| Loan loss allowance to noncurrent loans | 78.4224% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.8138% | 349 |
| Noncurrent loans to loans | 2.8867% | 462 |
| Net loans and leases to total assets | 70.3570% | 2,473 |
| Net loans and leases to deposits | 81.2341% | 2,773 |
| Net loans and leases to core deposits | 82.7497% | 3,192 |
| Total domestic deposits to total assets | 86.6102% | 2,125 |
| Equity capital to assets | 9.8708% | 4,061 |
| Core capital (leverage) ratio | 10.0554% | 3,468 |
| Tier 1 risk-based capital ratio | 15.1690% | 2,858 |
| Total risk-based capital ratio | 16.4344% | 2,786 |
| Memoranda: | ||
| Average total assets | $246,062,000 | 2,547 |
| Average earning assets | $225,751,670 | 2,576 |
| Average equity | $23,583,000 | 2,824 |
| Average total loans | $169,365,000 | 2,448 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6406% | 4,305 |
| Cost of funding earning assets | 0.3484% | 3,548 |
| Net interest margin | 3.2922% | 4,036 |
| Noninterest income to average assets | 1.4258% | 527 |
| Noninterest expense to average assets | 3.5678% | 945 |
| Loan and lease loss provision to assets | -0.2823% | 5,816 |
| Net operating income to assets | 0.7129% | 3,650 |
| Return on assets (ROA) | 0.7129% | 3,692 |
| Pretax return on assets | 1.1581% | 2,752 |
| Return on Equity (ROE) | 7.5488% | 3,139 |
| Retained earnings to average equity (ytd only) | 4.5088% | 3,166 |
| Net charge-offs to loans | -0.2852% | 5,678 |
| Credit loss provision to net charge-offs | 147.0588% | 1,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2904% | 1,350 |
| Assets per employee ($millions) | 3.4476% | 4,858 |
| Cash dividends to net income (ytd only)* | 40.2715% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4536% | 329 |
| Loan loss allowance to noncurrent loans | 76.4716% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 3.0704% | 323 |
| Noncurrent loans to loans | 3.2085% | 399 |
| Net loans and leases to total assets | 69.9799% | 2,383 |
| Net loans and leases to deposits | 80.8330% | 2,635 |
| Net loans and leases to core deposits | 82.4289% | 3,054 |
| Total domestic deposits to total assets | 86.5734% | 2,410 |
| Equity capital to assets | 9.7611% | 4,010 |
| Core capital (leverage) ratio | 9.8443% | 3,699 |
| Tier 1 risk-based capital ratio | 14.8763% | 3,031 |
| Total risk-based capital ratio | 16.1443% | 2,948 |
| Memoranda: | ||
| Average total assets | $247,993,500 | 2,557 |
| Average earning assets | $227,326,500 | 2,579 |
| Average equity | $23,421,000 | 2,849 |
| Average total loans | $166,872,000 | 2,492 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 4,824 |
| Cost of funding earning assets | 0.4590% | 2,453 |
| Net interest margin | 3.0238% | 4,908 |
| Noninterest income to average assets | 1.1723% | 824 |
| Noninterest expense to average assets | 3.4411% | 1,275 |
| Loan and lease loss provision to assets | -0.3687% | 5,858 |
| Net operating income to assets | 0.5468% | 4,444 |
| Return on assets (ROA) | 0.5468% | 4,546 |
| Pretax return on assets | 0.8684% | 3,950 |
| Return on Equity (ROE) | 5.5454% | 4,187 |
| Retained earnings to average equity (ytd only) | -1.4123% | 5,486 |
| Net charge-offs to loans | -0.0136% | 5,021 |
| Credit loss provision to net charge-offs | 4,285.7143% | 103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7477% | 767 |
| Assets per employee ($millions) | 3.5866% | 4,632 |
| Cash dividends to net income (ytd only)* | 125.4682% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6798% | 255 |
| Loan loss allowance to noncurrent loans | 71.9131% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.1341% | 304 |
| Noncurrent loans to loans | 3.7264% | 301 |
| Net loans and leases to total assets | 61.3802% | 3,673 |
| Net loans and leases to deposits | 72.0151% | 3,709 |
| Net loans and leases to core deposits | 73.3862% | 3,969 |
| Total domestic deposits to total assets | 85.2324% | 2,945 |
| Equity capital to assets | 9.1439% | 4,654 |
| Core capital (leverage) ratio | 9.3326% | 4,314 |
| Tier 1 risk-based capital ratio | 15.7892% | 2,639 |
| Total risk-based capital ratio | 17.0603% | 2,552 |
| Memoranda: | ||
| Average total assets | $244,134,000 | 2,554 |
| Average earning assets | $223,529,800 | 2,564 |
| Average equity | $24,073,800 | 2,794 |
| Average total loans | $154,051,200 | 2,592 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 4,794 |
| Cost of funding earning assets | 0.4704% | 2,362 |
| Net interest margin | 3.0326% | 4,947 |
| Noninterest income to average assets | 1.2339% | 762 |
| Noninterest expense to average assets | 3.4908% | 1,167 |
| Loan and lease loss provision to assets | -0.3727% | 5,929 |
| Net operating income to assets | 0.5620% | 4,448 |
| Return on assets (ROA) | 0.5620% | 4,555 |
| Pretax return on assets | 0.8916% | 4,007 |
| Return on Equity (ROE) | 5.5923% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.9829% | 4,127 |
| Net charge-offs to loans | 0.0385% | 2,862 |
| Credit loss provision to net charge-offs | -1,534.0909% | 5,284 |
| Earnings coverage of net charge-offs (x) | 21.3619% | 1,821 |
| Efficiency ratio | 86.4932% | 787 |
| Assets per employee ($millions) | 3.5087% | 4,770 |
| Cash dividends to net income (ytd only)* | 46.6603% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8526% | 226 |
| Loan loss allowance to noncurrent loans | 72.5854% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 3.3077% | 317 |
| Noncurrent loans to loans | 3.9299% | 285 |
| Net loans and leases to total assets | 60.1787% | 3,851 |
| Net loans and leases to deposits | 70.8638% | 3,904 |
| Net loans and leases to core deposits | 72.1345% | 4,149 |
| Total domestic deposits to total assets | 84.9216% | 2,837 |
| Equity capital to assets | 9.7247% | 4,446 |
| Core capital (leverage) ratio | 9.9727% | 3,609 |
| Tier 1 risk-based capital ratio | 16.8169% | 2,291 |
| Total risk-based capital ratio | 18.0906% | 2,235 |
| Memoranda: | ||
| Average total assets | $241,504,500 | 2,574 |
| Average earning assets | $221,058,750 | 2,598 |
| Average equity | $24,271,000 | 2,797 |
| Average total loans | $152,411,500 | 2,615 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,669 |
| Cost of funding earning assets | 0.4856% | 2,224 |
| Net interest margin | 3.0880% | 4,862 |
| Noninterest income to average assets | 1.2473% | 731 |
| Noninterest expense to average assets | 3.5694% | 1,048 |
| Loan and lease loss provision to assets | -0.3785% | 6,000 |
| Net operating income to assets | 0.5585% | 4,449 |
| Return on assets (ROA) | 0.5585% | 4,563 |
| Pretax return on assets | 0.8856% | 4,008 |
| Return on Equity (ROE) | 5.4939% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.0117% | 4,000 |
| Net charge-offs to loans | 0.1072% | 1,752 |
| Credit loss provision to net charge-offs | -555.5556% | 4,955 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,630 |
| Efficiency ratio | 87.0023% | 792 |
| Assets per employee ($millions) | 3.3762% | 4,961 |
| Cash dividends to net income (ytd only)* | 45.1807% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0579% | 184 |
| Loan loss allowance to noncurrent loans | 113.4357% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 2.7152% | 478 |
| Noncurrent loans to loans | 2.6957% | 603 |
| Net loans and leases to total assets | 62.4036% | 3,574 |
| Net loans and leases to deposits | 74.1961% | 3,571 |
| Net loans and leases to core deposits | 75.7712% | 3,839 |
| Total domestic deposits to total assets | 84.1064% | 3,226 |
| Equity capital to assets | 10.3286% | 3,817 |
| Core capital (leverage) ratio | 10.1723% | 3,363 |
| Tier 1 risk-based capital ratio | 17.3856% | 2,103 |
| Total risk-based capital ratio | 18.6631% | 2,058 |
| Memoranda: | ||
| Average total assets | $237,797,330 | 2,618 |
| Average earning assets | $217,875,000 | 2,637 |
| Average equity | $24,172,330 | 2,820 |
| Average total loans | $151,051,670 | 2,631 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,522 |
| Cost of funding earning assets | 0.4936% | 2,155 |
| Net interest margin | 3.1398% | 4,750 |
| Noninterest income to average assets | 1.4707% | 517 |
| Noninterest expense to average assets | 3.6054% | 1,011 |
| Loan and lease loss provision to assets | -0.3773% | 6,064 |
| Net operating income to assets | 0.6959% | 3,734 |
| Return on assets (ROA) | 0.6959% | 3,847 |
| Pretax return on assets | 1.1118% | 3,047 |
| Return on Equity (ROE) | 6.9013% | 3,502 |
| Retained earnings to average equity (ytd only) | 1.9124% | 4,489 |
| Net charge-offs to loans | 0.2764% | 767 |
| Credit loss provision to net charge-offs | -216.3462% | 4,364 |
| Earnings coverage of net charge-offs (x) | 4.2115% | 2,456 |
| Efficiency ratio | 82.5348% | 1,320 |
| Assets per employee ($millions) | 3.5932% | 4,661 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2540% | 173 |
| Loan loss allowance to noncurrent loans | 107.7469% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 3.0234% | 412 |
| Noncurrent loans to loans | 3.0200% | 535 |
| Net loans and leases to total assets | 60.8541% | 3,670 |
| Net loans and leases to deposits | 72.2262% | 3,627 |
| Net loans and leases to core deposits | 74.2892% | 3,861 |
| Total domestic deposits to total assets | 84.2550% | 3,422 |
| Equity capital to assets | 10.1820% | 3,863 |
| Core capital (leverage) ratio | 10.1086% | 3,414 |
| Tier 1 risk-based capital ratio | 17.2550% | 2,191 |
| Total risk-based capital ratio | 18.5353% | 2,153 |
| Memoranda: | ||
| Average total assets | $238,529,000 | 2,626 |
| Average earning assets | $217,977,000 | 2,646 |
| Average equity | $24,053,500 | 2,830 |
| Average total loans | $150,511,000 | 2,639 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,351 |
| Cost of funding earning assets | 0.5661% | 1,622 |
| Net interest margin | 3.1407% | 4,807 |
| Noninterest income to average assets | 1.1334% | 923 |
| Noninterest expense to average assets | 3.5434% | 1,225 |
| Loan and lease loss provision to assets | -0.2579% | 6,033 |
| Net operating income to assets | 0.4461% | 4,897 |
| Return on assets (ROA) | 0.4474% | 4,976 |
| Pretax return on assets | 0.6997% | 4,533 |
| Return on Equity (ROE) | 4.4342% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.4342% | 2,828 |
| Net charge-offs to loans | -0.2476% | 5,988 |
| Credit loss provision to net charge-offs | 168.5393% | 1,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3673% | 807 |
| Assets per employee ($millions) | 3.5807% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4132% | 141 |
| Loan loss allowance to noncurrent loans | 116.8132% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 3.0962% | 416 |
| Noncurrent loans to loans | 2.9220% | 564 |
| Net loans and leases to total assets | 61.1357% | 3,669 |
| Net loans and leases to deposits | 72.3560% | 3,680 |
| Net loans and leases to core deposits | 74.2479% | 3,914 |
| Total domestic deposits to total assets | 84.4930% | 3,290 |
| Equity capital to assets | 9.9873% | 3,971 |
| Core capital (leverage) ratio | 10.0697% | 3,409 |
| Tier 1 risk-based capital ratio | 17.0637% | 2,262 |
| Total risk-based capital ratio | 18.3462% | 2,204 |
| Memoranda: | ||
| Average total assets | $232,660,600 | 2,639 |
| Average earning assets | $211,100,600 | 2,667 |
| Average equity | $23,476,600 | 2,836 |
| Average total loans | $143,769,000 | 2,687 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 4,475 |
| Cost of funding earning assets | 0.5801% | 1,543 |
| Net interest margin | 3.1005% | 4,968 |
| Noninterest income to average assets | 1.2169% | 812 |
| Noninterest expense to average assets | 3.6213% | 1,079 |
| Loan and lease loss provision to assets | -0.2310% | 6,121 |
| Net operating income to assets | 0.4112% | 5,124 |
| Return on assets (ROA) | 0.4112% | 5,213 |
| Pretax return on assets | 0.6388% | 4,872 |
| Return on Equity (ROE) | 4.0646% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.0646% | 3,568 |
| Net charge-offs to loans | -0.1844% | 5,973 |
| Credit loss provision to net charge-offs | 204.0816% | 1,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2919% | 743 |
| Assets per employee ($millions) | 3.4635% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5588% | 131 |
| Loan loss allowance to noncurrent loans | 110.3762% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 3.4599% | 377 |
| Noncurrent loans to loans | 3.2242% | 518 |
| Net loans and leases to total assets | 60.9943% | 3,739 |
| Net loans and leases to deposits | 72.6104% | 3,691 |
| Net loans and leases to core deposits | 73.9403% | 4,022 |
| Total domestic deposits to total assets | 84.0021% | 3,427 |
| Equity capital to assets | 10.2294% | 3,890 |
| Core capital (leverage) ratio | 10.1344% | 3,458 |
| Tier 1 risk-based capital ratio | 16.8291% | 2,427 |
| Total risk-based capital ratio | 18.1128% | 2,380 |
| Memoranda: | ||
| Average total assets | $230,849,750 | 2,676 |
| Average earning assets | $209,381,000 | 2,705 |
| Average equity | $23,355,750 | 2,870 |
| Average total loans | $141,748,750 | 2,721 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,445 |
| Cost of funding earning assets | 0.5958% | 1,445 |
| Net interest margin | 3.0905% | 4,989 |
| Noninterest income to average assets | 1.2220% | 813 |
| Noninterest expense to average assets | 3.6390% | 1,064 |
| Loan and lease loss provision to assets | -0.1736% | 6,161 |
| Net operating income to assets | 0.3602% | 5,260 |
| Return on assets (ROA) | 0.3602% | 5,377 |
| Pretax return on assets | 0.5520% | 5,100 |
| Return on Equity (ROE) | 3.5732% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,752 |
| Net charge-offs to loans | -0.1185% | 5,848 |
| Credit loss provision to net charge-offs | 240.9639% | 1,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9978% | 752 |
| Assets per employee ($millions) | 3.4464% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8483% | 118 |
| Loan loss allowance to noncurrent loans | 91.5517% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 4.0798% | 327 |
| Noncurrent loans to loans | 4.2034% | 342 |
| Net loans and leases to total assets | 58.3278% | 4,063 |
| Net loans and leases to deposits | 69.9531% | 3,936 |
| Net loans and leases to core deposits | 71.1826% | 4,207 |
| Total domestic deposits to total assets | 83.3813% | 3,800 |
| Equity capital to assets | 10.3077% | 3,682 |
| Core capital (leverage) ratio | 10.1039% | 3,452 |
| Tier 1 risk-based capital ratio | 17.2227% | 2,317 |
| Total risk-based capital ratio | 18.5095% | 2,260 |
| Memoranda: | ||
| Average total assets | $230,447,670 | 2,696 |
| Average earning assets | $208,445,000 | 2,727 |
| Average equity | $23,228,330 | 2,893 |
| Average total loans | $140,077,000 | 2,748 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 4,561 |
| Cost of funding earning assets | 0.6072% | 1,382 |
| Net interest margin | 3.0342% | 5,112 |
| Noninterest income to average assets | 1.3245% | 652 |
| Noninterest expense to average assets | 3.6561% | 1,062 |
| Loan and lease loss provision to assets | -0.1725% | 6,256 |
| Net operating income to assets | 0.3760% | 5,158 |
| Return on assets (ROA) | 0.3760% | 5,279 |
| Pretax return on assets | 0.5812% | 4,968 |
| Return on Equity (ROE) | 3.7717% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.7717% | 3,746 |
| Net charge-offs to loans | 0.2012% | 1,128 |
| Credit loss provision to net charge-offs | -140.8451% | 4,547 |
| Earnings coverage of net charge-offs (x) | 3.3380% | 2,616 |
| Efficiency ratio | 89.3509% | 902 |
| Assets per employee ($millions) | 3.4207% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7013% | 152 |
| Loan loss allowance to noncurrent loans | 87.0343% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 4.2773% | 330 |
| Noncurrent loans to loans | 4.2527% | 382 |
| Net loans and leases to total assets | 59.6673% | 3,701 |
| Net loans and leases to deposits | 70.9182% | 3,653 |
| Net loans and leases to core deposits | 72.3776% | 3,927 |
| Total domestic deposits to total assets | 84.1355% | 3,767 |
| Equity capital to assets | 10.1495% | 3,945 |
| Core capital (leverage) ratio | 9.8870% | 3,770 |
| Tier 1 risk-based capital ratio | 16.3750% | 2,742 |
| Total risk-based capital ratio | 17.6566% | 2,674 |
| Memoranda: | ||
| Average total assets | $231,941,000 | 2,706 |
| Average earning assets | $209,481,000 | 2,734 |
| Average equity | $23,119,500 | 2,921 |
| Average total loans | $141,124,000 | 2,744 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 4,383 |
| Cost of funding earning assets | 0.7286% | 957 |
| Net interest margin | 3.1029% | 5,200 |
| Noninterest income to average assets | 1.1360% | 942 |
| Noninterest expense to average assets | 3.6886% | 1,175 |
| Loan and lease loss provision to assets | -0.1182% | 6,177 |
| Net operating income to assets | 0.2427% | 5,677 |
| Return on assets (ROA) | 0.2427% | 5,731 |
| Pretax return on assets | 0.3609% | 5,585 |
| Return on Equity (ROE) | 2.5371% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.5371% | 4,432 |
| Net charge-offs to loans | 0.3800% | 1,131 |
| Credit loss provision to net charge-offs | -50.6329% | 5,419 |
| Earnings coverage of net charge-offs (x) | 1.0398% | 4,506 |
| Efficiency ratio | 93.2353% | 636 |
| Assets per employee ($millions) | 3.3528% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8697% | 143 |
| Loan loss allowance to noncurrent loans | 86.7487% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 4.3567% | 366 |
| Noncurrent loans to loans | 4.4608% | 377 |
| Net loans and leases to total assets | 57.4428% | 4,127 |
| Net loans and leases to deposits | 68.4298% | 4,085 |
| Net loans and leases to core deposits | 70.0490% | 4,323 |
| Total domestic deposits to total assets | 83.9440% | 3,740 |
| Equity capital to assets | 9.7905% | 4,367 |
| Core capital (leverage) ratio | 8.9663% | 5,044 |
| Tier 1 risk-based capital ratio | 15.9724% | 2,974 |
| Total risk-based capital ratio | 17.2583% | 2,903 |
| Memoranda: | ||
| Average total assets | $236,889,000 | 2,641 |
| Average earning assets | $213,413,800 | 2,676 |
| Average equity | $22,664,000 | 2,886 |
| Average total loans | $145,537,000 | 2,634 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,416 |
| Cost of funding earning assets | 0.7501% | 888 |
| Net interest margin | 3.0864% | 5,295 |
| Noninterest income to average assets | 1.1495% | 904 |
| Noninterest expense to average assets | 3.7123% | 1,098 |
| Loan and lease loss provision to assets | -0.1011% | 6,277 |
| Net operating income to assets | 0.2184% | 5,810 |
| Return on assets (ROA) | 0.2184% | 5,857 |
| Pretax return on assets | 0.3223% | 5,737 |
| Return on Equity (ROE) | 2.2964% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.2964% | 4,912 |
| Net charge-offs to loans | 0.4258% | 933 |
| Credit loss provision to net charge-offs | -38.3795% | 5,320 |
| Earnings coverage of net charge-offs (x) | 0.8401% | 4,303 |
| Efficiency ratio | 93.7901% | 608 |
| Assets per employee ($millions) | 3.2905% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7864% | 188 |
| Loan loss allowance to noncurrent loans | 81.7930% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 4.5731% | 394 |
| Noncurrent loans to loans | 4.6292% | 418 |
| Net loans and leases to total assets | 61.0283% | 3,623 |
| Net loans and leases to deposits | 73.0918% | 3,552 |
| Net loans and leases to core deposits | 74.6669% | 3,881 |
| Total domestic deposits to total assets | 83.4954% | 3,950 |
| Equity capital to assets | 9.7703% | 4,458 |
| Core capital (leverage) ratio | 8.7996% | 5,339 |
| Tier 1 risk-based capital ratio | 14.7478% | 3,734 |
| Total risk-based capital ratio | 16.0328% | 3,655 |
| Memoranda: | ||
| Average total assets | $237,436,750 | 2,652 |
| Average earning assets | $214,179,250 | 2,683 |
| Average equity | $22,585,500 | 2,892 |
| Average total loans | $146,860,250 | 2,630 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 4,495 |
| Cost of funding earning assets | 0.7629% | 867 |
| Net interest margin | 3.0461% | 5,404 |
| Noninterest income to average assets | 1.1814% | 839 |
| Noninterest expense to average assets | 3.7167% | 1,113 |
| Loan and lease loss provision to assets | -0.1005% | 6,375 |
| Net operating income to assets | 0.2137% | 5,794 |
| Return on assets (ROA) | 0.2137% | 5,855 |
| Pretax return on assets | 0.3150% | 5,758 |
| Return on Equity (ROE) | 2.2661% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.2661% | 4,754 |
| Net charge-offs to loans | 0.4658% | 869 |
| Credit loss provision to net charge-offs | -35.1906% | 5,132 |
| Earnings coverage of net charge-offs (x) | 0.7507% | 3,981 |
| Efficiency ratio | 93.9471% | 642 |
| Assets per employee ($millions) | 3.3360% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8908% | 188 |
| Loan loss allowance to noncurrent loans | 79.4710% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 4.7100% | 401 |
| Noncurrent loans to loans | 4.8958% | 416 |
| Net loans and leases to total assets | 60.4778% | 3,637 |
| Net loans and leases to deposits | 72.4878% | 3,507 |
| Net loans and leases to core deposits | 74.4452% | 3,793 |
| Total domestic deposits to total assets | 83.4318% | 4,138 |
| Equity capital to assets | 9.5809% | 4,650 |
| Core capital (leverage) ratio | 8.7831% | 5,288 |
| Tier 1 risk-based capital ratio | 14.7732% | 3,769 |
| Total risk-based capital ratio | 16.0594% | 3,692 |
| Memoranda: | ||
| Average total assets | $238,707,000 | 2,648 |
| Average earning assets | $215,490,000 | 2,683 |
| Average equity | $22,505,330 | 2,896 |
| Average total loans | $146,417,330 | 2,633 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,439 |
| Cost of funding earning assets | 0.7850% | 805 |
| Net interest margin | 3.0268% | 5,456 |
| Noninterest income to average assets | 1.1451% | 852 |
| Noninterest expense to average assets | 3.7574% | 1,045 |
| Loan and lease loss provision to assets | -0.1002% | 6,491 |
| Net operating income to assets | 0.1452% | 5,941 |
| Return on assets (ROA) | 0.1452% | 5,973 |
| Pretax return on assets | 0.2103% | 5,906 |
| Return on Equity (ROE) | 1.5528% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.5528% | 4,987 |
| Net charge-offs to loans | 0.4521% | 803 |
| Credit loss provision to net charge-offs | -36.5854% | 4,722 |
| Earnings coverage of net charge-offs (x) | 0.4024% | 3,352 |
| Efficiency ratio | 96.5473% | 614 |
| Assets per employee ($millions) | 3.2988% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1363% | 171 |
| Loan loss allowance to noncurrent loans | 75.7720% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 5.0834% | 394 |
| Noncurrent loans to loans | 5.4589% | 370 |
| Net loans and leases to total assets | 58.8979% | 3,716 |
| Net loans and leases to deposits | 70.1850% | 3,579 |
| Net loans and leases to core deposits | 72.4180% | 3,828 |
| Total domestic deposits to total assets | 83.9181% | 4,301 |
| Equity capital to assets | 9.4579% | 4,553 |
| Core capital (leverage) ratio | 8.5188% | 5,613 |
| Tier 1 risk-based capital ratio | 14.7500% | 3,854 |
| Total risk-based capital ratio | 16.0394% | 3,774 |
| Memoranda: | ||
| Average total assets | $239,632,000 | 2,649 |
| Average earning assets | $215,542,500 | 2,691 |
| Average equity | $22,411,500 | 2,901 |
| Average total loans | $145,103,500 | 2,660 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,814 |
| Cost of funding earning assets | 0.9642% | 540 |
| Net interest margin | 3.1169% | 5,264 |
| Noninterest income to average assets | 1.2490% | 892 |
| Noninterest expense to average assets | 3.6824% | 1,312 |
| Loan and lease loss provision to assets | 0.2054% | 1,806 |
| Net operating income to assets | 0.1253% | 5,987 |
| Return on assets (ROA) | 0.1253% | 6,049 |
| Pretax return on assets | 0.1582% | 6,006 |
| Return on Equity (ROE) | 1.3813% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.3813% | 5,204 |
| Net charge-offs to loans | -0.2211% | 6,628 |
| Credit loss provision to net charge-offs | -144.0922% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4549% | 986 |
| Assets per employee ($millions) | 3.3116% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3388% | 157 |
| Loan loss allowance to noncurrent loans | 68.1917% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 5.1835% | 444 |
| Noncurrent loans to loans | 6.3627% | 295 |
| Net loans and leases to total assets | 57.0921% | 4,182 |
| Net loans and leases to deposits | 68.4330% | 3,982 |
| Net loans and leases to core deposits | 71.1981% | 4,165 |
| Total domestic deposits to total assets | 83.4278% | 4,385 |
| Equity capital to assets | 9.2489% | 4,746 |
| Core capital (leverage) ratio | 8.2809% | 5,895 |
| Tier 1 risk-based capital ratio | 14.7160% | 3,829 |
| Total risk-based capital ratio | 16.0080% | 3,752 |
| Memoranda: | ||
| Average total assets | $243,401,000 | 2,592 |
| Average earning assets | $218,420,200 | 2,638 |
| Average equity | $22,080,800 | 2,920 |
| Average total loans | $156,952,800 | 2,465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 3,647 |
| Cost of funding earning assets | 0.9900% | 517 |
| Net interest margin | 3.1390% | 5,202 |
| Noninterest income to average assets | 1.2977% | 881 |
| Noninterest expense to average assets | 3.6896% | 1,265 |
| Loan and lease loss provision to assets | 0.2734% | 1,281 |
| Net operating income to assets | 0.1039% | 6,131 |
| Return on assets (ROA) | 0.1039% | 6,195 |
| Pretax return on assets | 0.1487% | 6,139 |
| Return on Equity (ROE) | 1.1509% | 6,151 |
| Retained earnings to average equity (ytd only) | 1.1509% | 5,520 |
| Net charge-offs to loans | -0.2540% | 6,692 |
| Credit loss provision to net charge-offs | -163.9344% | 5,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1874% | 1,066 |
| Assets per employee ($millions) | 3.3566% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1188% | 213 |
| Loan loss allowance to noncurrent loans | 61.3396% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 5.3832% | 494 |
| Noncurrent loans to loans | 6.7148% | 325 |
| Net loans and leases to total assets | 59.8925% | 3,711 |
| Net loans and leases to deposits | 71.3897% | 3,587 |
| Net loans and leases to core deposits | 75.2042% | 3,709 |
| Total domestic deposits to total assets | 83.8951% | 4,236 |
| Equity capital to assets | 9.1899% | 4,951 |
| Core capital (leverage) ratio | 8.1653% | 6,091 |
| Tier 1 risk-based capital ratio | 13.9842% | 4,444 |
| Total risk-based capital ratio | 15.2745% | 4,365 |
| Memoranda: | ||
| Average total assets | $243,814,250 | 2,602 |
| Average earning assets | $218,576,500 | 2,648 |
| Average equity | $22,011,250 | 2,964 |
| Average total loans | $160,121,250 | 2,438 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 3,257 |
| Cost of funding earning assets | 1.0114% | 515 |
| Net interest margin | 3.2153% | 4,890 |
| Noninterest income to average assets | 1.3724% | 834 |
| Noninterest expense to average assets | 3.6839% | 1,274 |
| Loan and lease loss provision to assets | 0.4090% | 750 |
| Net operating income to assets | 0.1202% | 6,085 |
| Return on assets (ROA) | 0.1202% | 6,180 |
| Pretax return on assets | 0.1554% | 6,151 |
| Return on Equity (ROE) | 1.3397% | 6,137 |
| Retained earnings to average equity (ytd only) | 1.3397% | 5,355 |
| Net charge-offs to loans | 0.1691% | 2,766 |
| Credit loss provision to net charge-offs | 362.3188% | 719 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,986 |
| Efficiency ratio | 86.1956% | 1,398 |
| Assets per employee ($millions) | 3.3747% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6753% | 325 |
| Loan loss allowance to noncurrent loans | 59.4258% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 5.0737% | 604 |
| Noncurrent loans to loans | 6.1847% | 435 |
| Net loans and leases to total assets | 63.1683% | 3,070 |
| Net loans and leases to deposits | 75.2228% | 2,984 |
| Net loans and leases to core deposits | 78.8266% | 3,189 |
| Total domestic deposits to total assets | 83.9749% | 4,326 |
| Equity capital to assets | 9.2690% | 4,901 |
| Core capital (leverage) ratio | 8.0379% | 6,159 |
| Tier 1 risk-based capital ratio | 13.0782% | 5,086 |
| Total risk-based capital ratio | 14.3610% | 5,003 |
| Memoranda: | ||
| Average total assets | $244,526,330 | 2,608 |
| Average earning assets | $218,701,000 | 2,653 |
| Average equity | $21,945,000 | 2,995 |
| Average total loans | $163,173,330 | 2,398 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 3,042 |
| Cost of funding earning assets | 1.0453% | 483 |
| Net interest margin | 3.2200% | 4,850 |
| Noninterest income to average assets | 1.4009% | 784 |
| Noninterest expense to average assets | 3.8528% | 1,055 |
| Loan and lease loss provision to assets | 0.4049% | 760 |
| Net operating income to assets | 0.0275% | 6,298 |
| Return on assets (ROA) | 0.0275% | 6,378 |
| Pretax return on assets | 0.0016% | 6,407 |
| Return on Equity (ROE) | 0.3117% | 6,372 |
| Retained earnings to average equity (ytd only) | 0.3117% | 5,691 |
| Net charge-offs to loans | 0.0891% | 2,947 |
| Credit loss provision to net charge-offs | 675.6757% | 414 |
| Earnings coverage of net charge-offs (x) | 6.7838% | 2,160 |
| Efficiency ratio | 89.9240% | 1,152 |
| Assets per employee ($millions) | 3.3551% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4610% | 434 |
| Loan loss allowance to noncurrent loans | 51.1687% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 5.7663% | 578 |
| Noncurrent loans to loans | 6.7639% | 452 |
| Net loans and leases to total assets | 64.0729% | 2,693 |
| Net loans and leases to deposits | 76.9195% | 2,499 |
| Net loans and leases to core deposits | 80.6392% | 2,731 |
| Total domestic deposits to total assets | 83.2987% | 4,764 |
| Equity capital to assets | 8.9927% | 5,492 |
| Core capital (leverage) ratio | 7.8890% | 6,224 |
| Tier 1 risk-based capital ratio | 12.6398% | 5,477 |
| Total risk-based capital ratio | 13.9207% | 5,407 |
| Memoranda: | ||
| Average total assets | $246,986,500 | 2,613 |
| Average earning assets | $219,257,500 | 2,673 |
| Average equity | $21,813,000 | 3,049 |
| Average total loans | $166,195,000 | 2,361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 1,891 |
| Cost of funding earning assets | 1.2548% | 451 |
| Net interest margin | 3.6292% | 3,970 |
| Noninterest income to average assets | -0.1073% | 6,921 |
| Noninterest expense to average assets | 3.0713% | 3,009 |
| Loan and lease loss provision to assets | 1.7710% | 146 |
| Net operating income to assets | -1.0974% | 6,769 |
| Return on assets (ROA) | -1.0974% | 6,783 |
| Pretax return on assets | -1.8310% | 6,906 |
| Return on Equity (ROE) | -12.2794% | 6,774 |
| Retained earnings to average equity (ytd only) | -12.2794% | 6,709 |
| Net charge-offs to loans | 1.8158% | 445 |
| Credit loss provision to net charge-offs | 133.7666% | 2,093 |
| Earnings coverage of net charge-offs (x) | -0.0453% | 5,508 |
| Efficiency ratio | 101.9936% | 492 |
| Assets per employee ($millions) | 4.0170% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1872% | 561 |
| Loan loss allowance to noncurrent loans | 45.7063% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 5.8763% | 598 |
| Noncurrent loans to loans | 6.9732% | 460 |
| Net loans and leases to total assets | 66.0195% | 2,521 |
| Net loans and leases to deposits | 79.4779% | 2,356 |
| Net loans and leases to core deposits | 83.5432% | 2,598 |
| Total domestic deposits to total assets | 83.0666% | 4,694 |
| Equity capital to assets | 8.6733% | 5,877 |
| Core capital (leverage) ratio | 7.7669% | 6,363 |
| Tier 1 risk-based capital ratio | 11.1222% | 6,307 |
| Total risk-based capital ratio | 12.3960% | 6,263 |
| Memoranda: | ||
| Average total assets | $249,858,200 | 2,534 |
| Average earning assets | $214,701,400 | 2,683 |
| Average equity | $22,330,000 | 2,934 |
| Average total loans | $182,178,400 | 2,176 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 1,707 |
| Cost of funding earning assets | 1.2927% | 450 |
| Net interest margin | 3.7023% | 3,790 |
| Noninterest income to average assets | 0.4697% | 4,136 |
| Noninterest expense to average assets | 3.1165% | 2,838 |
| Loan and lease loss provision to assets | 1.8267% | 154 |
| Net operating income to assets | -0.7283% | 6,788 |
| Return on assets (ROA) | -0.7283% | 6,813 |
| Pretax return on assets | -1.3170% | 6,928 |
| Return on Equity (ROE) | -8.0902% | 6,818 |
| Retained earnings to average equity (ytd only) | -8.0902% | 6,756 |
| Net charge-offs to loans | 1.4710% | 592 |
| Credit loss provision to net charge-offs | 167.6125% | 1,656 |
| Earnings coverage of net charge-offs (x) | 0.4677% | 5,082 |
| Efficiency ratio | 85.9432% | 1,384 |
| Assets per employee ($millions) | 3.8014% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1820% | 608 |
| Loan loss allowance to noncurrent loans | 53.6927% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 5.6999% | 733 |
| Noncurrent loans to loans | 5.9262% | 698 |
| Net loans and leases to total assets | 69.9203% | 1,914 |
| Net loans and leases to deposits | 84.8773% | 1,752 |
| Net loans and leases to core deposits | 89.5555% | 2,043 |
| Total domestic deposits to total assets | 82.3781% | 4,885 |
| Equity capital to assets | 8.9020% | 5,917 |
| Core capital (leverage) ratio | 8.4587% | 5,812 |
| Tier 1 risk-based capital ratio | 11.8773% | 6,012 |
| Total risk-based capital ratio | 13.1519% | 5,985 |
| Memoranda: | ||
| Average total assets | $250,059,750 | 2,555 |
| Average earning assets | $213,198,250 | 2,719 |
| Average equity | $22,512,250 | 2,934 |
| Average total loans | $185,264,000 | 2,163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,413 |
| Cost of funding earning assets | 1.3293% | 463 |
| Net interest margin | 3.8041% | 3,340 |
| Noninterest income to average assets | 0.4366% | 4,386 |
| Noninterest expense to average assets | 2.7716% | 4,125 |
| Loan and lease loss provision to assets | 1.7128% | 198 |
| Net operating income to assets | -0.4684% | 6,718 |
| Return on assets (ROA) | -0.4684% | 6,760 |
| Pretax return on assets | -0.8676% | 6,870 |
| Return on Equity (ROE) | -5.1842% | 6,776 |
| Retained earnings to average equity (ytd only) | -5.1842% | 6,628 |
| Net charge-offs to loans | 1.7554% | 506 |
| Credit loss provision to net charge-offs | 130.6197% | 2,101 |
| Earnings coverage of net charge-offs (x) | 0.6446% | 4,741 |
| Efficiency ratio | 76.6300% | 2,650 |
| Assets per employee ($millions) | 3.8501% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6346% | 1,112 |
| Loan loss allowance to noncurrent loans | 45.2830% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 5.8880% | 732 |
| Noncurrent loans to loans | 5.8180% | 780 |
| Net loans and leases to total assets | 70.8852% | 1,755 |
| Net loans and leases to deposits | 86.0108% | 1,596 |
| Net loans and leases to core deposits | 90.6644% | 1,911 |
| Total domestic deposits to total assets | 82.4143% | 4,977 |
| Equity capital to assets | 9.1004% | 5,581 |
| Core capital (leverage) ratio | 9.4066% | 4,292 |
| Tier 1 risk-based capital ratio | 13.0222% | 5,172 |
| Total risk-based capital ratio | 14.2897% | 5,134 |
| Memoranda: | ||
| Average total assets | $251,049,670 | 2,540 |
| Average earning assets | $209,879,670 | 2,761 |
| Average equity | $22,684,330 | 2,891 |
| Average total loans | $187,537,330 | 2,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1709% | 1,379 |
| Cost of funding earning assets | 1.3508% | 515 |
| Net interest margin | 3.8201% | 3,291 |
| Noninterest income to average assets | 0.5186% | 3,787 |
| Noninterest expense to average assets | 2.6168% | 4,754 |
| Loan and lease loss provision to assets | 2.6646% | 90 |
| Net operating income to assets | -0.8781% | 6,976 |
| Return on assets (ROA) | -0.8781% | 6,991 |
| Pretax return on assets | -1.5733% | 7,089 |
| Return on Equity (ROE) | -9.7529% | 6,984 |
| Retained earnings to average equity (ytd only) | -9.7529% | 6,834 |
| Net charge-offs to loans | 2.3343% | 366 |
| Credit loss provision to net charge-offs | 150.9009% | 1,659 |
| Earnings coverage of net charge-offs (x) | 0.6180% | 4,024 |
| Efficiency ratio | 70.5706% | 3,708 |
| Assets per employee ($millions) | 3.9176% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5960% | 1,231 |
| Loan loss allowance to noncurrent loans | 44.4861% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 5.8359% | 820 |
| Noncurrent loans to loans | 5.8356% | 880 |
| Net loans and leases to total assets | 72.7434% | 1,268 |
| Net loans and leases to deposits | 88.7916% | 1,076 |
| Net loans and leases to core deposits | 93.7462% | 1,488 |
| Total domestic deposits to total assets | 81.9260% | 5,326 |
| Equity capital to assets | 8.9181% | 5,613 |
| Core capital (leverage) ratio | 9.1881% | 4,538 |
| Tier 1 risk-based capital ratio | 12.4217% | 5,668 |
| Total risk-based capital ratio | 13.6884% | 5,621 |
| Memoranda: | ||
| Average total assets | $251,447,500 | 2,550 |
| Average earning assets | $209,944,500 | 2,776 |
| Average equity | $22,639,500 | 2,893 |
| Average total loans | $190,209,500 | 2,127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 1,153 |
| Cost of funding earning assets | 1.4972% | 726 |
| Net interest margin | 4.0117% | 2,829 |
| Noninterest income to average assets | 0.4761% | 4,024 |
| Noninterest expense to average assets | 2.6480% | 4,929 |
| Loan and lease loss provision to assets | 2.6404% | 156 |
| Net operating income to assets | -0.8550% | 6,677 |
| Return on assets (ROA) | -0.8550% | 6,709 |
| Pretax return on assets | -1.3722% | 6,861 |
| Return on Equity (ROE) | -8.6069% | 6,698 |
| Retained earnings to average equity (ytd only) | -9.8933% | 6,702 |
| Net charge-offs to loans | 3.9000% | 163 |
| Credit loss provision to net charge-offs | 82.7961% | 4,333 |
| Earnings coverage of net charge-offs (x) | 0.3977% | 5,520 |
| Efficiency ratio | 67.6171% | 4,438 |
| Assets per employee ($millions) | 3.8208% | 4,265 |
| Cash dividends to net income (ytd only)* | -14.9458% | 7,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2239% | 1,755 |
| Loan loss allowance to noncurrent loans | 44.8809% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 5.4305% | 950 |
| Noncurrent loans to loans | 4.9552% | 1,143 |
| Net loans and leases to total assets | 74.9003% | 1,107 |
| Net loans and leases to deposits | 92.4485% | 932 |
| Net loans and leases to core deposits | 97.6124% | 1,364 |
| Total domestic deposits to total assets | 81.0184% | 5,439 |
| Equity capital to assets | 9.0887% | 5,429 |
| Core capital (leverage) ratio | 9.5172% | 3,998 |
| Tier 1 risk-based capital ratio | 12.4097% | 5,525 |
| Total risk-based capital ratio | 13.6724% | 5,490 |
| Memoranda: | ||
| Average total assets | $248,072,000 | 2,539 |
| Average earning assets | $212,725,200 | 2,703 |
| Average equity | $24,643,000 | 2,613 |
| Average total loans | $202,845,600 | 2,018 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5089% | 1,232 |
| Cost of funding earning assets | 1.5261% | 779 |
| Net interest margin | 3.9828% | 2,991 |
| Noninterest income to average assets | 0.4717% | 4,113 |
| Noninterest expense to average assets | 2.7427% | 4,570 |
| Loan and lease loss provision to assets | 2.0913% | 247 |
| Net operating income to assets | -0.4922% | 6,633 |
| Return on assets (ROA) | -0.4922% | 6,681 |
| Pretax return on assets | -0.9115% | 6,835 |
| Return on Equity (ROE) | -4.8495% | 6,673 |
| Retained earnings to average equity (ytd only) | -6.3756% | 6,667 |
| Net charge-offs to loans | 3.4498% | 234 |
| Credit loss provision to net charge-offs | 72.9618% | 4,380 |
| Earnings coverage of net charge-offs (x) | 0.4116% | 5,310 |
| Efficiency ratio | 69.9229% | 3,969 |
| Assets per employee ($millions) | 3.6992% | 4,540 |
| Cash dividends to net income (ytd only)* | -31.4695% | 7,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1363% | 1,988 |
| Loan loss allowance to noncurrent loans | 48.8598% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 5.2335% | 1,093 |
| Noncurrent loans to loans | 4.3723% | 1,491 |
| Net loans and leases to total assets | 78.0171% | 704 |
| Net loans and leases to deposits | 97.5654% | 602 |
| Net loans and leases to core deposits | 103.7650% | 996 |
| Total domestic deposits to total assets | 79.9638% | 5,752 |
| Equity capital to assets | 9.8819% | 4,502 |
| Core capital (leverage) ratio | 10.0357% | 3,387 |
| Tier 1 risk-based capital ratio | 12.9194% | 5,159 |
| Total risk-based capital ratio | 14.1811% | 5,132 |
| Memoranda: | ||
| Average total assets | $247,047,500 | 2,565 |
| Average earning assets | $214,048,000 | 2,696 |
| Average equity | $25,074,000 | 2,567 |
| Average total loans | $205,264,000 | 2,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 1,337 |
| Cost of funding earning assets | 1.5518% | 834 |
| Net interest margin | 3.9318% | 3,162 |
| Noninterest income to average assets | 0.5308% | 3,624 |
| Noninterest expense to average assets | 2.6704% | 4,939 |
| Loan and lease loss provision to assets | 1.9653% | 320 |
| Net operating income to assets | -0.3525% | 6,580 |
| Return on assets (ROA) | -0.3525% | 6,611 |
| Pretax return on assets | -0.6694% | 6,748 |
| Return on Equity (ROE) | -3.4431% | 6,615 |
| Retained earnings to average equity (ytd only) | -5.6356% | 6,618 |
| Net charge-offs to loans | 4.4191% | 167 |
| Credit loss provision to net charge-offs | 52.8092% | 4,514 |
| Earnings coverage of net charge-offs (x) | 0.3482% | 5,047 |
| Efficiency ratio | 67.3273% | 4,641 |
| Assets per employee ($millions) | 3.7017% | 4,442 |
| Cash dividends to net income (ytd only)* | -63.6782% | 7,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 3,227 |
| Loan loss allowance to noncurrent loans | 40.3282% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 5.5392% | 1,065 |
| Noncurrent loans to loans | 4.2884% | 1,577 |
| Net loans and leases to total assets | 79.9594% | 540 |
| Net loans and leases to deposits | 100.6680% | 460 |
| Net loans and leases to core deposits | 106.4695% | 899 |
| Total domestic deposits to total assets | 79.4288% | 5,971 |
| Equity capital to assets | 10.0749% | 4,055 |
| Core capital (leverage) ratio | 10.2370% | 2,993 |
| Tier 1 risk-based capital ratio | 12.9107% | 4,989 |
| Total risk-based capital ratio | 14.1671% | 4,961 |
| Memoranda: | ||
| Average total assets | $246,781,000 | 2,584 |
| Average earning assets | $215,624,000 | 2,697 |
| Average equity | $25,268,000 | 2,529 |
| Average total loans | $207,824,000 | 2,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 1,623 |
| Cost of funding earning assets | 1.5679% | 922 |
| Net interest margin | 3.8161% | 3,530 |
| Noninterest income to average assets | 0.5037% | 3,856 |
| Noninterest expense to average assets | 2.6064% | 5,201 |
| Loan and lease loss provision to assets | 2.4374% | 208 |
| Net operating income to assets | -0.6337% | 6,886 |
| Return on assets (ROA) | -0.6337% | 6,891 |
| Pretax return on assets | -1.1586% | 7,045 |
| Return on Equity (ROE) | -6.1397% | 6,873 |
| Retained earnings to average equity (ytd only) | -8.8317% | 6,803 |
| Net charge-offs to loans | 6.0122% | 112 |
| Credit loss provision to net charge-offs | 47.3335% | 3,810 |
| Earnings coverage of net charge-offs (x) | 0.2483% | 4,424 |
| Efficiency ratio | 67.0849% | 4,835 |
| Assets per employee ($millions) | 3.6939% | 4,555 |
| Cash dividends to net income (ytd only)* | -43.8462% | 7,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9107% | 2,655 |
| Loan loss allowance to noncurrent loans | 28.2236% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 6.2629% | 905 |
| Noncurrent loans to loans | 6.7698% | 843 |
| Net loans and leases to total assets | 82.7240% | 293 |
| Net loans and leases to deposits | 104.1363% | 309 |
| Net loans and leases to core deposits | 110.1302% | 712 |
| Total domestic deposits to total assets | 79.4382% | 6,075 |
| Equity capital to assets | 10.1524% | 3,590 |
| Core capital (leverage) ratio | 10.3126% | 2,792 |
| Tier 1 risk-based capital ratio | 12.7367% | 5,027 |
| Total risk-based capital ratio | 13.9958% | 4,997 |
| Memoranda: | ||
| Average total assets | $246,165,500 | 2,596 |
| Average earning assets | $218,126,500 | 2,687 |
| Average equity | $25,408,500 | 2,504 |
| Average total loans | $210,836,500 | 2,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7785% | 1,336 |
| Cost of funding earning assets | 1.7055% | 1,579 |
| Net interest margin | 4.0730% | 2,692 |
| Noninterest income to average assets | 0.4913% | 4,241 |
| Noninterest expense to average assets | 2.5644% | 5,563 |
| Loan and lease loss provision to assets | 1.9838% | 665 |
| Net operating income to assets | -0.2149% | 6,130 |
| Return on assets (ROA) | -0.2149% | 6,184 |
| Pretax return on assets | -0.4077% | 6,247 |
| Return on Equity (ROE) | -1.9903% | 6,172 |
| Retained earnings to average equity (ytd only) | -6.4908% | 6,428 |
| Net charge-offs to loans | 0.9974% | 2,197 |
| Credit loss provision to net charge-offs | 234.0324% | 1,254 |
| Earnings coverage of net charge-offs (x) | 1.8594% | 4,336 |
| Efficiency ratio | 61.9340% | 5,744 |
| Assets per employee ($millions) | 3.6006% | 4,707 |
| Cash dividends to net income (ytd only)* | -226.1278% | 7,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6565% | 1,219 |
| Loan loss allowance to noncurrent loans | 48.3752% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 5.2670% | 1,182 |
| Noncurrent loans to loans | 5.4914% | 1,197 |
| Net loans and leases to total assets | 84.6649% | 255 |
| Net loans and leases to deposits | 108.8059% | 254 |
| Net loans and leases to core deposits | 114.8601% | 681 |
| Total domestic deposits to total assets | 77.8127% | 6,352 |
| Equity capital to assets | 10.4928% | 3,164 |
| Core capital (leverage) ratio | 10.5108% | 2,547 |
| Tier 1 risk-based capital ratio | 13.0114% | 4,590 |
| Total risk-based capital ratio | 14.2809% | 4,537 |
| Memoranda: | ||
| Average total assets | $247,500,000 | 2,568 |
| Average earning assets | $221,754,400 | 2,610 |
| Average equity | $26,730,000 | 2,393 |
| Average total loans | $210,352,200 | 2,069 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7216% | 1,637 |
| Cost of funding earning assets | 1.7214% | 1,762 |
| Net interest margin | 4.0002% | 3,106 |
| Noninterest income to average assets | 0.4728% | 4,393 |
| Noninterest expense to average assets | 2.6224% | 5,237 |
| Loan and lease loss provision to assets | 1.0665% | 1,378 |
| Net operating income to assets | 0.2536% | 5,338 |
| Return on assets (ROA) | 0.2536% | 5,497 |
| Pretax return on assets | 0.3659% | 5,324 |
| Return on Equity (ROE) | 2.3317% | 5,486 |
| Retained earnings to average equity (ytd only) | -1.9266% | 6,185 |
| Net charge-offs to loans | 1.2468% | 1,635 |
| Credit loss provision to net charge-offs | 101.2239% | 4,262 |
| Earnings coverage of net charge-offs (x) | 1.3595% | 4,718 |
| Efficiency ratio | 64.6747% | 5,114 |
| Assets per employee ($millions) | 3.5120% | 4,948 |
| Cash dividends to net income (ytd only)* | 182.6257% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 4,672 |
| Loan loss allowance to noncurrent loans | 36.2065% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.6939% | 1,930 |
| Noncurrent loans to loans | 3.7538% | 2,060 |
| Net loans and leases to total assets | 84.7004% | 283 |
| Net loans and leases to deposits | 109.1406% | 274 |
| Net loans and leases to core deposits | 115.7764% | 754 |
| Total domestic deposits to total assets | 77.6067% | 6,343 |
| Equity capital to assets | 10.8930% | 3,060 |
| Core capital (leverage) ratio | 11.1562% | 2,154 |
| Tier 1 risk-based capital ratio | 13.6270% | 4,103 |
| Total risk-based capital ratio | 14.8790% | 4,051 |
| Memoranda: | ||
| Average total assets | $248,164,250 | 2,595 |
| Average earning assets | $222,215,500 | 2,640 |
| Average equity | $26,989,750 | 2,414 |
| Average total loans | $209,702,000 | 2,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 1,354 |
| Cost of funding earning assets | 1.7354% | 1,940 |
| Net interest margin | 4.0915% | 2,601 |
| Noninterest income to average assets | 0.4941% | 4,169 |
| Noninterest expense to average assets | 2.6954% | 4,929 |
| Loan and lease loss provision to assets | 1.2051% | 1,163 |
| Net operating income to assets | 0.1864% | 5,612 |
| Return on assets (ROA) | 0.1864% | 5,731 |
| Pretax return on assets | 0.2531% | 5,646 |
| Return on Equity (ROE) | 1.7147% | 5,725 |
| Retained earnings to average equity (ytd only) | -1.9956% | 6,145 |
| Net charge-offs to loans | 0.7589% | 2,340 |
| Credit loss provision to net charge-offs | 188.9169% | 2,089 |
| Earnings coverage of net charge-offs (x) | 2.2859% | 3,863 |
| Efficiency ratio | 64.8936% | 5,169 |
| Assets per employee ($millions) | 3.5672% | 4,763 |
| Cash dividends to net income (ytd only)* | 216.3793% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 3,169 |
| Loan loss allowance to noncurrent loans | 50.9615% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 3.2494% | 2,166 |
| Noncurrent loans to loans | 3.2841% | 2,441 |
| Net loans and leases to total assets | 84.7604% | 300 |
| Net loans and leases to deposits | 110.7692% | 253 |
| Net loans and leases to core deposits | 117.7295% | 776 |
| Total domestic deposits to total assets | 76.5198% | 6,597 |
| Equity capital to assets | 10.9269% | 2,941 |
| Core capital (leverage) ratio | 11.1209% | 2,151 |
| Tier 1 risk-based capital ratio | 13.7719% | 3,895 |
| Total risk-based capital ratio | 15.0283% | 3,855 |
| Memoranda: | ||
| Average total assets | $248,940,000 | 2,612 |
| Average earning assets | $222,655,330 | 2,656 |
| Average equity | $27,060,000 | 2,409 |
| Average total loans | $209,238,000 | 2,132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 1,049 |
| Cost of funding earning assets | 1.7656% | 2,034 |
| Net interest margin | 4.1973% | 2,051 |
| Noninterest income to average assets | 0.4506% | 4,458 |
| Noninterest expense to average assets | 2.6412% | 5,179 |
| Loan and lease loss provision to assets | 0.7590% | 1,672 |
| Net operating income to assets | 0.5161% | 4,311 |
| Return on assets (ROA) | 0.5161% | 4,454 |
| Pretax return on assets | 0.7957% | 3,883 |
| Return on Equity (ROE) | 4.7601% | 4,497 |
| Retained earnings to average equity (ytd only) | -0.4126% | 5,924 |
| Net charge-offs to loans | 1.1936% | 1,428 |
| Credit loss provision to net charge-offs | 76.6129% | 3,959 |
| Earnings coverage of net charge-offs (x) | 1.5694% | 3,789 |
| Efficiency ratio | 62.9474% | 5,670 |
| Assets per employee ($millions) | 3.5187% | 4,987 |
| Cash dividends to net income (ytd only)* | 108.6687% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 4,973 |
| Loan loss allowance to noncurrent loans | 26.0643% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 4.7477% | 1,390 |
| Noncurrent loans to loans | 4.9614% | 1,464 |
| Net loans and leases to total assets | 83.6725% | 403 |
| Net loans and leases to deposits | 108.8176% | 320 |
| Net loans and leases to core deposits | 115.7267% | 957 |
| Total domestic deposits to total assets | 76.8924% | 6,581 |
| Equity capital to assets | 11.0138% | 2,744 |
| Core capital (leverage) ratio | 11.1882% | 2,101 |
| Tier 1 risk-based capital ratio | 13.9663% | 3,676 |
| Total risk-based capital ratio | 15.2178% | 3,638 |
| Memoranda: | ||
| Average total assets | $250,342,500 | 2,648 |
| Average earning assets | $223,384,000 | 2,693 |
| Average equity | $27,142,500 | 2,427 |
| Average total loans | $207,769,000 | 2,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1091% | 1,490 |
| Cost of funding earning assets | 2.0244% | 2,848 |
| Net interest margin | 4.0847% | 2,511 |
| Noninterest income to average assets | 0.5083% | 4,352 |
| Noninterest expense to average assets | 2.4904% | 6,165 |
| Loan and lease loss provision to assets | 0.6881% | 3,074 |
| Net operating income to assets | 0.6662% | 3,078 |
| Return on assets (ROA) | 0.6662% | 3,130 |
| Pretax return on assets | 1.0365% | 2,469 |
| Return on Equity (ROE) | 6.1716% | 3,139 |
| Retained earnings to average equity (ytd only) | 0.9824% | 4,347 |
| Net charge-offs to loans | 0.4186% | 4,130 |
| Credit loss provision to net charge-offs | 195.4700% | 2,026 |
| Earnings coverage of net charge-offs (x) | 4.8992% | 2,763 |
| Efficiency ratio | 59.0845% | 6,610 |
| Assets per employee ($millions) | 3.6339% | 4,689 |
| Cash dividends to net income (ytd only)* | 84.0814% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,362 |
| Loan loss allowance to noncurrent loans | 32.9588% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 3.9182% | 1,692 |
| Noncurrent loans to loans | 4.1752% | 1,749 |
| Net loans and leases to total assets | 80.1569% | 963 |
| Net loans and leases to deposits | 104.9932% | 603 |
| Net loans and leases to core deposits | 127.3213% | 1,425 |
| Total domestic deposits to total assets | 76.3449% | 6,610 |
| Equity capital to assets | 10.6759% | 2,992 |
| Core capital (leverage) ratio | 10.9913% | 2,228 |
| Tier 1 risk-based capital ratio | 13.8806% | 3,577 |
| Total risk-based capital ratio | 15.1326% | 3,525 |
| Memoranda: | ||
| Average total assets | $250,843,600 | 2,600 |
| Average earning assets | $227,628,400 | 2,617 |
| Average equity | $27,075,800 | 2,445 |
| Average total loans | $210,937,400 | 2,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1641% | 1,463 |
| Cost of funding earning assets | 2.0572% | 3,083 |
| Net interest margin | 4.1069% | 2,367 |
| Noninterest income to average assets | 0.5259% | 4,272 |
| Noninterest expense to average assets | 2.5614% | 5,853 |
| Loan and lease loss provision to assets | 0.6246% | 2,893 |
| Net operating income to assets | 0.6892% | 3,249 |
| Return on assets (ROA) | 0.6892% | 3,304 |
| Pretax return on assets | 1.0945% | 2,595 |
| Return on Equity (ROE) | 6.3670% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.1729% | 4,671 |
| Net charge-offs to loans | 0.3811% | 3,743 |
| Credit loss provision to net charge-offs | 193.2343% | 2,339 |
| Earnings coverage of net charge-offs (x) | 5.3185% | 2,860 |
| Efficiency ratio | 59.8380% | 6,439 |
| Assets per employee ($millions) | 3.5031% | 4,918 |
| Cash dividends to net income (ytd only)* | 81.5792% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,953 |
| Loan loss allowance to noncurrent loans | 30.2855% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 3.9627% | 1,625 |
| Noncurrent loans to loans | 4.0601% | 1,806 |
| Net loans and leases to total assets | 82.9025% | 682 |
| Net loans and leases to deposits | 112.1387% | 386 |
| Net loans and leases to core deposits | 136.0242% | 1,094 |
| Total domestic deposits to total assets | 73.9285% | 6,955 |
| Equity capital to assets | 10.9087% | 3,105 |
| Core capital (leverage) ratio | 11.1222% | 2,316 |
| Tier 1 risk-based capital ratio | 13.3181% | 3,978 |
| Total risk-based capital ratio | 14.5589% | 3,927 |
| Memoranda: | ||
| Average total assets | $249,960,500 | 2,625 |
| Average earning assets | $228,520,500 | 2,625 |
| Average equity | $27,055,500 | 2,467 |
| Average total loans | $211,985,500 | 2,201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1855% | 1,503 |
| Cost of funding earning assets | 2.0560% | 3,495 |
| Net interest margin | 4.1295% | 2,225 |
| Noninterest income to average assets | 0.5264% | 4,218 |
| Noninterest expense to average assets | 2.5258% | 6,034 |
| Loan and lease loss provision to assets | 0.6830% | 2,381 |
| Net operating income to assets | 0.7029% | 3,239 |
| Return on assets (ROA) | 0.7029% | 3,346 |
| Pretax return on assets | 1.1167% | 2,577 |
| Return on Equity (ROE) | 6.5113% | 3,432 |
| Retained earnings to average equity (ytd only) | 1.3762% | 4,574 |
| Net charge-offs to loans | 0.5200% | 2,765 |
| Credit loss provision to net charge-offs | 154.3321% | 2,975 |
| Earnings coverage of net charge-offs (x) | 4.0668% | 3,229 |
| Efficiency ratio | 58.3934% | 6,789 |
| Assets per employee ($millions) | 3.4527% | 4,938 |
| Cash dividends to net income (ytd only)* | 78.8636% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 5,625 |
| Loan loss allowance to noncurrent loans | 36.7774% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 3.0741% | 2,046 |
| Noncurrent loans to loans | 2.9833% | 2,421 |
| Net loans and leases to total assets | 83.5097% | 706 |
| Net loans and leases to deposits | 115.8992% | 333 |
| Net loans and leases to core deposits | 139.4746% | 1,038 |
| Total domestic deposits to total assets | 72.0537% | 7,234 |
| Equity capital to assets | 10.8960% | 3,025 |
| Core capital (leverage) ratio | 11.0919% | 2,337 |
| Tier 1 risk-based capital ratio | 13.2891% | 3,947 |
| Total risk-based capital ratio | 14.4032% | 3,957 |
| Memoranda: | ||
| Average total assets | $250,374,000 | 2,631 |
| Average earning assets | $230,345,000 | 2,627 |
| Average equity | $27,030,000 | 2,473 |
| Average total loans | $213,060,000 | 2,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2117% | 1,562 |
| Cost of funding earning assets | 2.0567% | 3,836 |
| Net interest margin | 4.1549% | 2,074 |
| Noninterest income to average assets | 0.5460% | 3,961 |
| Noninterest expense to average assets | 2.4452% | 6,042 |
| Loan and lease loss provision to assets | 0.6845% | 1,847 |
| Net operating income to assets | 0.7816% | 3,205 |
| Return on assets (ROA) | 0.7816% | 3,371 |
| Pretax return on assets | 1.2465% | 2,465 |
| Return on Equity (ROE) | 7.2737% | 3,477 |
| Retained earnings to average equity (ytd only) | 2.1925% | 4,655 |
| Net charge-offs to loans | 0.3224% | 2,806 |
| Credit loss provision to net charge-offs | 248.5549% | 1,894 |
| Earnings coverage of net charge-offs (x) | 7.0116% | 2,401 |
| Efficiency ratio | 55.8749% | 6,987 |
| Assets per employee ($millions) | 3.4983% | 4,830 |
| Cash dividends to net income (ytd only)* | 69.8574% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 5,736 |
| Loan loss allowance to noncurrent loans | 45.8867% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.4865% | 2,310 |
| Noncurrent loans to loans | 2.3157% | 2,837 |
| Net loans and leases to total assets | 83.5057% | 769 |
| Net loans and leases to deposits | 124.6334% | 206 |
| Net loans and leases to core deposits | 149.8999% | 713 |
| Total domestic deposits to total assets | 67.0011% | 7,670 |
| Equity capital to assets | 10.7448% | 3,239 |
| Core capital (leverage) ratio | 11.1073% | 2,420 |
| Tier 1 risk-based capital ratio | 13.1331% | 4,100 |
| Total risk-based capital ratio | 14.2029% | 4,136 |
| Memoranda: | ||
| Average total assets | $251,263,500 | 2,628 |
| Average earning assets | $231,629,000 | 2,627 |
| Average equity | $27,001,500 | 2,491 |
| Average total loans | $214,638,000 | 2,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5663% | 2,638 |
| Cost of funding earning assets | 2.4855% | 4,282 |
| Net interest margin | 4.0808% | 2,790 |
| Noninterest income to average assets | 0.5063% | 4,571 |
| Noninterest expense to average assets | 2.3507% | 6,566 |
| Loan and lease loss provision to assets | 0.6746% | 2,156 |
| Net operating income to assets | 0.8119% | 3,388 |
| Return on assets (ROA) | 0.8119% | 3,226 |
| Pretax return on assets | 1.2843% | 2,365 |
| Return on Equity (ROE) | 7.6726% | 3,209 |
| Retained earnings to average equity (ytd only) | 0.7621% | 4,770 |
| Net charge-offs to loans | 0.9353% | 1,321 |
| Credit loss provision to net charge-offs | 83.9863% | 5,805 |
| Earnings coverage of net charge-offs (x) | 2.4388% | 4,858 |
| Efficiency ratio | 54.5455% | 7,209 |
| Assets per employee ($millions) | 3.4812% | 4,723 |
| Cash dividends to net income (ytd only)* | 90.0678% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,537 |
| Loan loss allowance to noncurrent loans | 38.7759% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 2.6212% | 1,828 |
| Noncurrent loans to loans | 2.3828% | 2,306 |
| Net loans and leases to total assets | 85.6507% | 649 |
| Net loans and leases to deposits | 129.0230% | 224 |
| Net loans and leases to core deposits | 153.5282% | 733 |
| Total domestic deposits to total assets | 66.3841% | 7,630 |
| Equity capital to assets | 10.7478% | 3,255 |
| Core capital (leverage) ratio | 11.0465% | 2,556 |
| Tier 1 risk-based capital ratio | 12.8304% | 4,197 |
| Total risk-based capital ratio | 13.7616% | 4,331 |
| Memoranda: | ||
| Average total assets | $254,218,600 | 2,523 |
| Average earning assets | $236,937,400 | 2,481 |
| Average equity | $26,901,000 | 2,486 |
| Average total loans | $218,314,800 | 2,144 |