Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,308 |
| Cost of funding earning assets | 1.1948% | 2,819 |
| Net interest margin | 2.4653% | 4,125 |
| Noninterest income to average assets | 1.1500% | 518 |
| Noninterest expense to average assets | 2.0746% | 3,465 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0889% | 1,953 |
| Return on assets (ROA) | 0.9950% | 2,217 |
| Pretax return on assets | 1.2021% | 2,133 |
| Return on Equity (ROE) | 13.6900% | 1,558 |
| Retained earnings to average equity (ytd only) | 5.7257% | 2,348 |
| Net charge-offs to loans | 0.0067% | 2,439 |
| Credit loss provision to net charge-offs | 1,830.7692% | 252 |
| Earnings coverage of net charge-offs (x) | 528.9231% | 279 |
| Efficiency ratio | 58.7249% | 3,215 |
| Assets per employee ($millions) | 6.0957% | 2,737 |
| Cash dividends to net income (ytd only)* | 58.1840% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 942 |
| Loan loss allowance to noncurrent loans | 5,462.5000% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,629 |
| Noncurrent loans to loans | 0.0284% | 3,537 |
| Net loans and leases to total assets | 38.9000% | 4,073 |
| Net loans and leases to deposits | 43.0753% | 4,124 |
| Net loans and leases to core deposits | 51.9758% | 4,033 |
| Total domestic deposits to total assets | 90.3100% | 673 |
| Equity capital to assets | 8.0111% | 3,406 |
| Core capital (leverage) ratio | 10.7723% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8547% | 490 |
| Memoranda: | ||
| Average total assets | $504,718,200 | 1,713 |
| Average earning assets | $467,196,200 | 1,716 |
| Average equity | $36,677,000 | 1,995 |
| Average total loans | $195,199,800 | 2,317 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5813% | 4,324 |
| Cost of funding earning assets | 1.1120% | 2,708 |
| Net interest margin | 2.4693% | 4,171 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 1.9438% | 3,726 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9976% | 2,369 |
| Return on assets (ROA) | 0.9519% | 2,497 |
| Pretax return on assets | 1.0860% | 2,603 |
| Return on Equity (ROE) | 13.4400% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.0411% | 1,674 |
| Net charge-offs to loans | 0.0014% | 2,559 |
| Credit loss provision to net charge-offs | 10,300.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 2,262.0000% | 61 |
| Efficiency ratio | 60.0840% | 2,955 |
| Assets per employee ($millions) | 6.1932% | 2,573 |
| Cash dividends to net income (ytd only)* | 32.7243% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 832 |
| Loan loss allowance to noncurrent loans | 727.8539% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,995 |
| Noncurrent loans to loans | 0.2240% | 2,457 |
| Net loans and leases to total assets | 38.8300% | 4,101 |
| Net loans and leases to deposits | 42.4848% | 4,152 |
| Net loans and leases to core deposits | 49.7906% | 4,044 |
| Total domestic deposits to total assets | 91.3900% | 581 |
| Equity capital to assets | 6.9032% | 3,659 |
| Core capital (leverage) ratio | 10.8982% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4606% | 518 |
| Memoranda: | ||
| Average total assets | $505,936,250 | 1,716 |
| Average earning assets | $468,456,750 | 1,716 |
| Average equity | $35,835,500 | 2,017 |
| Average total loans | $194,621,500 | 2,323 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5305% | 4,316 |
| Cost of funding earning assets | 1.0370% | 2,487 |
| Net interest margin | 2.4935% | 4,213 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 1.8790% | 3,861 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0711% | 2,204 |
| Return on assets (ROA) | 1.0015% | 2,409 |
| Pretax return on assets | 1.1126% | 2,609 |
| Return on Equity (ROE) | 14.0200% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.9676% | 1,190 |
| Net charge-offs to loans | 0.0031% | 2,223 |
| Credit loss provision to net charge-offs | 3,766.6667% | 142 |
| Earnings coverage of net charge-offs (x) | 1,048.0000% | 139 |
| Efficiency ratio | 58.4489% | 3,141 |
| Assets per employee ($millions) | 6.6865% | 2,143 |
| Cash dividends to net income (ytd only)* | 21.7954% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 975 |
| Loan loss allowance to noncurrent loans | 1,014.4262% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,162 |
| Noncurrent loans to loans | 0.1555% | 2,694 |
| Net loans and leases to total assets | 37.9900% | 4,114 |
| Net loans and leases to deposits | 41.8483% | 4,162 |
| Net loans and leases to core deposits | 48.2008% | 4,065 |
| Total domestic deposits to total assets | 90.7800% | 709 |
| Equity capital to assets | 7.2920% | 3,644 |
| Core capital (leverage) ratio | 10.5141% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7135% | 507 |
| Memoranda: | ||
| Average total assets | $509,430,667 | 1,705 |
| Average earning assets | $472,111,333 | 1,705 |
| Average equity | $36,380,000 | 2,003 |
| Average total loans | $194,311,333 | 2,323 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4519% | 4,320 |
| Cost of funding earning assets | 0.9525% | 2,210 |
| Net interest margin | 2.4994% | 4,305 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 1.8947% | 3,859 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1820% | 1,984 |
| Return on assets (ROA) | 1.0383% | 2,380 |
| Pretax return on assets | 1.1207% | 2,657 |
| Return on Equity (ROE) | 14.6900% | 1,627 |
| Retained earnings to average equity (ytd only) | 14.6940% | 848 |
| Net charge-offs to loans | -0.0310% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6175% | 3,229 |
| Assets per employee ($millions) | 6.8049% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,106 |
| Loan loss allowance to noncurrent loans | 827.3973% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,080 |
| Noncurrent loans to loans | 0.1878% | 2,538 |
| Net loans and leases to total assets | 37.4900% | 4,136 |
| Net loans and leases to deposits | 41.2956% | 4,186 |
| Net loans and leases to core deposits | 47.0416% | 4,075 |
| Total domestic deposits to total assets | 90.7900% | 868 |
| Equity capital to assets | 7.4461% | 3,590 |
| Core capital (leverage) ratio | 10.2524% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4929% | 535 |
| Memoranda: | ||
| Average total assets | $510,059,000 | 1,720 |
| Average earning assets | $473,706,000 | 1,717 |
| Average equity | $36,042,000 | 2,041 |
| Average total loans | $193,388,000 | 2,353 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 4,029 |
| Cost of funding earning assets | 0.5997% | 903 |
| Net interest margin | 2.4785% | 4,306 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 1.9617% | 3,681 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0613% | 2,328 |
| Return on assets (ROA) | 0.8039% | 3,239 |
| Pretax return on assets | 0.8428% | 3,509 |
| Return on Equity (ROE) | 10.9400% | 2,493 |
| Retained earnings to average equity (ytd only) | 4.4793% | 3,242 |
| Net charge-offs to loans | 0.0228% | 1,606 |
| Credit loss provision to net charge-offs | 828.5714% | 484 |
| Earnings coverage of net charge-offs (x) | 148.1429% | 794 |
| Efficiency ratio | 60.5867% | 2,974 |
| Assets per employee ($millions) | 6.2933% | 2,517 |
| Cash dividends to net income (ytd only)* | 59.0566% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,077 |
| Loan loss allowance to noncurrent loans | 1,014.9660% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,230 |
| Noncurrent loans to loans | 0.1528% | 2,732 |
| Net loans and leases to total assets | 37.1600% | 4,172 |
| Net loans and leases to deposits | 40.6911% | 4,222 |
| Net loans and leases to core deposits | 46.5201% | 4,099 |
| Total domestic deposits to total assets | 91.3300% | 831 |
| Equity capital to assets | 6.6860% | 3,822 |
| Core capital (leverage) ratio | 9.9776% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7645% | 564 |
| Memoranda: | ||
| Average total assets | $527,401,600 | 1,663 |
| Average earning assets | $492,271,000 | 1,651 |
| Average equity | $38,756,200 | 1,964 |
| Average total loans | $184,466,000 | 2,338 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0176% | 3,860 |
| Cost of funding earning assets | 0.5740% | 504 |
| Net interest margin | 2.4436% | 4,269 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 1.9164% | 3,709 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0665% | 2,226 |
| Return on assets (ROA) | 0.9163% | 2,780 |
| Pretax return on assets | 0.9880% | 3,051 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 8.9533% | 1,665 |
| Net charge-offs to loans | 0.0051% | 1,987 |
| Credit loss provision to net charge-offs | 3,914.2857% | 142 |
| Earnings coverage of net charge-offs (x) | 694.1429% | 237 |
| Efficiency ratio | 59.2978% | 3,209 |
| Assets per employee ($millions) | 6.5370% | 2,290 |
| Cash dividends to net income (ytd only)* | 26.6484% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,145 |
| Loan loss allowance to noncurrent loans | 1,480.4020% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,533 |
| Noncurrent loans to loans | 0.1055% | 3,127 |
| Net loans and leases to total assets | 35.5200% | 4,250 |
| Net loans and leases to deposits | 38.1261% | 4,299 |
| Net loans and leases to core deposits | 43.7239% | 4,176 |
| Total domestic deposits to total assets | 93.1600% | 538 |
| Equity capital to assets | 5.9714% | 3,977 |
| Core capital (leverage) ratio | 9.8188% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9872% | 568 |
| Memoranda: | ||
| Average total assets | $531,813,500 | 1,669 |
| Average earning assets | $497,078,250 | 1,651 |
| Average equity | $39,924,750 | 1,947 |
| Average total loans | $182,477,750 | 2,357 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9143% | 3,749 |
| Cost of funding earning assets | 0.5641% | 358 |
| Net interest margin | 2.3502% | 4,280 |
| Noninterest income to average assets | 0.8325% | 980 |
| Noninterest expense to average assets | 1.8442% | 3,850 |
| Loan and lease loss provision to assets | 0.0681% | 1,394 |
| Net operating income to assets | 1.0325% | 2,037 |
| Return on assets (ROA) | 0.9627% | 2,278 |
| Pretax return on assets | 1.0476% | 2,576 |
| Return on Equity (ROE) | 12.0214% | 1,666 |
| Retained earnings to average equity (ytd only) | 10.0739% | 997 |
| Net charge-offs to loans | -0.0044% | 3,300 |
| Credit loss provision to net charge-offs | -4,550.0000% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8641% | 3,452 |
| Assets per employee ($millions) | 6.2574% | 2,515 |
| Cash dividends to net income (ytd only)* | 16.2005% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,295 |
| Loan loss allowance to noncurrent loans | 2,557.1429% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,792 |
| Noncurrent loans to loans | 0.0603% | 3,503 |
| Net loans and leases to total assets | 34.3542% | 4,316 |
| Net loans and leases to deposits | 37.4824% | 4,357 |
| Net loans and leases to core deposits | 43.0114% | 4,226 |
| Total domestic deposits to total assets | 91.6541% | 981 |
| Equity capital to assets | 6.5953% | 3,975 |
| Core capital (leverage) ratio | 9.4264% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8889% | 546 |
| Memoranda: | ||
| Average total assets | $534,766,000 | 1,670 |
| Average earning assets | $501,315,667 | 1,656 |
| Average equity | $42,823,667 | 1,901 |
| Average total loans | $180,409,667 | 2,380 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8680% | 3,614 |
| Cost of funding earning assets | 0.5665% | 331 |
| Net interest margin | 2.3016% | 4,236 |
| Noninterest income to average assets | 0.8295% | 972 |
| Noninterest expense to average assets | 1.7777% | 3,997 |
| Loan and lease loss provision to assets | 0.0679% | 1,206 |
| Net operating income to assets | 1.0349% | 1,743 |
| Return on assets (ROA) | 1.0436% | 1,710 |
| Pretax return on assets | 1.1578% | 1,960 |
| Return on Equity (ROE) | 11.9839% | 1,317 |
| Retained earnings to average equity (ytd only) | 11.9839% | 607 |
| Net charge-offs to loans | 0.0022% | 1,736 |
| Credit loss provision to net charge-offs | 9,100.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,630.0000% | 39 |
| Efficiency ratio | 57.4882% | 3,737 |
| Assets per employee ($millions) | 6.6241% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 1,388 |
| Loan loss allowance to noncurrent loans | 2,768.0000% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,873 |
| Noncurrent loans to loans | 0.0562% | 3,578 |
| Net loans and leases to total assets | 32.2320% | 4,370 |
| Net loans and leases to deposits | 35.2715% | 4,407 |
| Net loans and leases to core deposits | 40.4427% | 4,301 |
| Total domestic deposits to total assets | 91.3824% | 857 |
| Equity capital to assets | 7.6629% | 3,821 |
| Core capital (leverage) ratio | 9.3524% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3274% | 535 |
| Memoranda: | ||
| Average total assets | $536,210,500 | 1,672 |
| Average earning assets | $504,177,000 | 1,660 |
| Average equity | $46,696,000 | 1,832 |
| Average total loans | $177,821,500 | 2,397 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1622% | 3,557 |
| Cost of funding earning assets | 0.5972% | 555 |
| Net interest margin | 2.5650% | 4,100 |
| Noninterest income to average assets | 1.1086% | 848 |
| Noninterest expense to average assets | 2.1454% | 3,251 |
| Loan and lease loss provision to assets | 0.1408% | 857 |
| Net operating income to assets | 1.0784% | 2,377 |
| Return on assets (ROA) | 1.1187% | 2,280 |
| Pretax return on assets | 1.2791% | 2,423 |
| Return on Equity (ROE) | 11.2421% | 2,080 |
| Retained earnings to average equity (ytd only) | 6.5910% | 2,081 |
| Net charge-offs to loans | -0.0571% | 4,387 |
| Credit loss provision to net charge-offs | -701.9231% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7326% | 3,191 |
| Assets per employee ($millions) | 6.4542% | 2,365 |
| Cash dividends to net income (ytd only)* | 41.3722% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,530 |
| Loan loss allowance to noncurrent loans | 4,538.9831% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,038 |
| Noncurrent loans to loans | 0.0332% | 3,837 |
| Net loans and leases to total assets | 33.0888% | 4,404 |
| Net loans and leases to deposits | 37.1188% | 4,442 |
| Net loans and leases to core deposits | 42.9543% | 4,303 |
| Total domestic deposits to total assets | 89.1428% | 1,441 |
| Equity capital to assets | 9.7817% | 2,870 |
| Core capital (leverage) ratio | 9.2020% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5663% | 520 |
| Memoranda: | ||
| Average total assets | $518,561,800 | 1,654 |
| Average earning assets | $487,293,400 | 1,643 |
| Average equity | $51,600,800 | 1,716 |
| Average total loans | $182,023,000 | 2,373 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 3,622 |
| Cost of funding earning assets | 0.6014% | 636 |
| Net interest margin | 2.5888% | 4,149 |
| Noninterest income to average assets | 0.7746% | 1,602 |
| Noninterest expense to average assets | 1.9515% | 3,809 |
| Loan and lease loss provision to assets | 0.1411% | 802 |
| Net operating income to assets | 1.0230% | 2,823 |
| Return on assets (ROA) | 1.0803% | 2,687 |
| Pretax return on assets | 1.1749% | 3,006 |
| Return on Equity (ROE) | 10.8094% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.4717% | 1,885 |
| Net charge-offs to loans | -0.0845% | 4,547 |
| Credit loss provision to net charge-offs | -470.6897% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8452% | 2,997 |
| Assets per employee ($millions) | 6.6734% | 2,121 |
| Cash dividends to net income (ytd only)* | 21.6268% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 1,979 |
| Loan loss allowance to noncurrent loans | 125,300.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,305 |
| Noncurrent loans to loans | 0.0011% | 4,224 |
| Net loans and leases to total assets | 32.8026% | 4,515 |
| Net loans and leases to deposits | 37.2296% | 4,537 |
| Net loans and leases to core deposits | 42.8577% | 4,419 |
| Total domestic deposits to total assets | 88.1091% | 1,771 |
| Equity capital to assets | 9.8786% | 3,019 |
| Core capital (leverage) ratio | 9.2844% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5210% | 569 |
| Memoranda: | ||
| Average total assets | $515,891,500 | 1,679 |
| Average earning assets | $484,373,250 | 1,663 |
| Average equity | $51,558,750 | 1,734 |
| Average total loans | $183,079,250 | 2,401 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 3,378 |
| Cost of funding earning assets | 0.6104% | 712 |
| Net interest margin | 2.7067% | 3,968 |
| Noninterest income to average assets | 0.7401% | 1,689 |
| Noninterest expense to average assets | 1.9427% | 3,858 |
| Loan and lease loss provision to assets | 0.1420% | 854 |
| Net operating income to assets | 1.1190% | 2,472 |
| Return on assets (ROA) | 1.1241% | 2,521 |
| Pretax return on assets | 1.2018% | 2,910 |
| Return on Equity (ROE) | 11.2029% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.7559% | 1,800 |
| Net charge-offs to loans | -0.1136% | 4,660 |
| Credit loss provision to net charge-offs | -344.7619% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5057% | 3,213 |
| Assets per employee ($millions) | 6.4558% | 2,197 |
| Cash dividends to net income (ytd only)* | 21.8423% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,459 |
| Loan loss allowance to noncurrent loans | 3,501.5152% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,213 |
| Noncurrent loans to loans | 0.0370% | 4,013 |
| Net loans and leases to total assets | 33.2675% | 4,555 |
| Net loans and leases to deposits | 37.6836% | 4,590 |
| Net loans and leases to core deposits | 43.3803% | 4,483 |
| Total domestic deposits to total assets | 88.2810% | 1,681 |
| Equity capital to assets | 9.8317% | 3,022 |
| Core capital (leverage) ratio | 9.2611% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9150% | 549 |
| Memoranda: | ||
| Average total assets | $509,899,000 | 1,677 |
| Average earning assets | $478,672,333 | 1,671 |
| Average equity | $51,165,333 | 1,737 |
| Average total loans | $184,896,000 | 2,394 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 3,079 |
| Cost of funding earning assets | 0.6423% | 727 |
| Net interest margin | 2.7997% | 3,764 |
| Noninterest income to average assets | 0.8421% | 1,484 |
| Noninterest expense to average assets | 2.0386% | 3,592 |
| Loan and lease loss provision to assets | 0.1440% | 922 |
| Net operating income to assets | 1.2108% | 2,103 |
| Return on assets (ROA) | 1.2108% | 2,190 |
| Pretax return on assets | 1.2812% | 2,618 |
| Return on Equity (ROE) | 11.9390% | 2,042 |
| Retained earnings to average equity (ytd only) | 11.9390% | 1,163 |
| Net charge-offs to loans | -0.2190% | 4,799 |
| Credit loss provision to net charge-offs | -174.7573% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6470% | 3,213 |
| Assets per employee ($millions) | 6.1321% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,243 |
| Loan loss allowance to noncurrent loans | 106,350.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,418 |
| Noncurrent loans to loans | 0.0011% | 4,335 |
| Net loans and leases to total assets | 35.7793% | 4,513 |
| Net loans and leases to deposits | 40.2337% | 4,557 |
| Net loans and leases to core deposits | 46.6301% | 4,415 |
| Total domestic deposits to total assets | 88.9286% | 1,376 |
| Equity capital to assets | 9.7870% | 2,912 |
| Core capital (leverage) ratio | 9.5284% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7034% | 610 |
| Memoranda: | ||
| Average total assets | $500,159,000 | 1,696 |
| Average earning assets | $468,336,500 | 1,688 |
| Average equity | $50,724,500 | 1,741 |
| Average total loans | $188,133,000 | 2,368 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 3,790 |
| Cost of funding earning assets | 0.7592% | 1,399 |
| Net interest margin | 2.8504% | 4,189 |
| Noninterest income to average assets | 0.9340% | 1,188 |
| Noninterest expense to average assets | 2.3597% | 3,244 |
| Loan and lease loss provision to assets | 0.2678% | 1,436 |
| Net operating income to assets | 0.9123% | 2,639 |
| Return on assets (ROA) | 0.9168% | 2,753 |
| Pretax return on assets | 0.9463% | 3,232 |
| Return on Equity (ROE) | 8.4207% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.1952% | 2,716 |
| Net charge-offs to loans | 0.4796% | 341 |
| Credit loss provision to net charge-offs | 132.3529% | 2,536 |
| Earnings coverage of net charge-offs (x) | 5.9771% | 2,821 |
| Efficiency ratio | 64.3342% | 2,765 |
| Assets per employee ($millions) | 5.8460% | 2,501 |
| Cash dividends to net income (ytd only)* | 50.1803% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,974 |
| Loan loss allowance to noncurrent loans | 563.9144% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,009 |
| Noncurrent loans to loans | 0.1723% | 3,594 |
| Net loans and leases to total assets | 38.7446% | 4,488 |
| Net loans and leases to deposits | 44.4489% | 4,517 |
| Net loans and leases to core deposits | 51.4911% | 4,370 |
| Total domestic deposits to total assets | 87.1668% | 1,858 |
| Equity capital to assets | 10.5182% | 2,656 |
| Core capital (leverage) ratio | 9.6158% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7132% | 694 |
| Memoranda: | ||
| Average total assets | $453,659,800 | 1,688 |
| Average earning assets | $419,409,600 | 1,694 |
| Average equity | $49,390,200 | 1,713 |
| Average total loans | $191,422,400 | 2,315 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 3,727 |
| Cost of funding earning assets | 0.7837% | 1,574 |
| Net interest margin | 2.9463% | 4,095 |
| Noninterest income to average assets | 0.7923% | 1,525 |
| Noninterest expense to average assets | 2.2361% | 3,590 |
| Loan and lease loss provision to assets | 0.2510% | 1,614 |
| Net operating income to assets | 0.9234% | 2,614 |
| Return on assets (ROA) | 0.9290% | 2,730 |
| Pretax return on assets | 1.0340% | 2,956 |
| Return on Equity (ROE) | 8.4552% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.5605% | 1,864 |
| Net charge-offs to loans | 0.6165% | 231 |
| Credit loss provision to net charge-offs | 94.5885% | 2,670 |
| Earnings coverage of net charge-offs (x) | 4.8196% | 2,786 |
| Efficiency ratio | 62.6500% | 2,963 |
| Assets per employee ($millions) | 5.7231% | 2,524 |
| Cash dividends to net income (ytd only)* | 22.4082% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,433 |
| Loan loss allowance to noncurrent loans | 4,542.4242% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,481 |
| Noncurrent loans to loans | 0.0170% | 4,362 |
| Net loans and leases to total assets | 40.5866% | 4,545 |
| Net loans and leases to deposits | 46.6611% | 4,585 |
| Net loans and leases to core deposits | 53.5712% | 4,468 |
| Total domestic deposits to total assets | 86.9816% | 1,679 |
| Equity capital to assets | 10.7431% | 2,594 |
| Core capital (leverage) ratio | 9.9041% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7236% | 706 |
| Memoranda: | ||
| Average total assets | $445,770,250 | 1,690 |
| Average earning assets | $411,893,000 | 1,701 |
| Average equity | $48,978,750 | 1,715 |
| Average total loans | $191,818,000 | 2,309 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 3,860 |
| Cost of funding earning assets | 0.8113% | 1,774 |
| Net interest margin | 2.9870% | 4,154 |
| Noninterest income to average assets | 0.7692% | 1,525 |
| Noninterest expense to average assets | 2.1857% | 3,835 |
| Loan and lease loss provision to assets | 0.2582% | 1,635 |
| Net operating income to assets | 0.9723% | 2,418 |
| Return on assets (ROA) | 0.9793% | 2,528 |
| Pretax return on assets | 1.0857% | 2,754 |
| Return on Equity (ROE) | 8.8416% | 2,427 |
| Retained earnings to average equity (ytd only) | 7.4004% | 1,503 |
| Net charge-offs to loans | 0.8126% | 191 |
| Credit loss provision to net charge-offs | 72.5515% | 2,538 |
| Earnings coverage of net charge-offs (x) | 3.7539% | 2,657 |
| Efficiency ratio | 61.6176% | 3,182 |
| Assets per employee ($millions) | 5.3767% | 2,758 |
| Cash dividends to net income (ytd only)* | 16.2998% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,621 |
| Loan loss allowance to noncurrent loans | 2,838.2979% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,532 |
| Noncurrent loans to loans | 0.0237% | 4,388 |
| Net loans and leases to total assets | 43.0471% | 4,499 |
| Net loans and leases to deposits | 49.2665% | 4,565 |
| Net loans and leases to core deposits | 56.7284% | 4,410 |
| Total domestic deposits to total assets | 87.3760% | 1,459 |
| Equity capital to assets | 10.9735% | 2,366 |
| Core capital (leverage) ratio | 10.1353% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5638% | 714 |
| Memoranda: | ||
| Average total assets | $436,022,333 | 1,698 |
| Average earning assets | $401,804,333 | 1,708 |
| Average equity | $48,294,667 | 1,726 |
| Average total loans | $190,993,667 | 2,293 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 4,106 |
| Cost of funding earning assets | 0.8579% | 2,070 |
| Net interest margin | 3.0051% | 4,275 |
| Noninterest income to average assets | 0.9334% | 992 |
| Noninterest expense to average assets | 2.1705% | 4,078 |
| Loan and lease loss provision to assets | 0.2735% | 1,146 |
| Net operating income to assets | 1.1308% | 1,749 |
| Return on assets (ROA) | 1.1308% | 1,852 |
| Pretax return on assets | 1.2587% | 2,003 |
| Return on Equity (ROE) | 10.1591% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.1591% | 714 |
| Net charge-offs to loans | 1.6815% | 91 |
| Credit loss provision to net charge-offs | 36.9289% | 2,113 |
| Earnings coverage of net charge-offs (x) | 2.0685% | 2,316 |
| Efficiency ratio | 58.5174% | 3,937 |
| Assets per employee ($millions) | 5.1061% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 4,813 |
| Loan loss allowance to noncurrent loans | 221.9873% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,071 |
| Noncurrent loans to loans | 0.2539% | 3,582 |
| Net loans and leases to total assets | 42.6794% | 4,565 |
| Net loans and leases to deposits | 49.7203% | 4,602 |
| Net loans and leases to core deposits | 57.8495% | 4,437 |
| Total domestic deposits to total assets | 85.8390% | 2,065 |
| Equity capital to assets | 11.1591% | 2,717 |
| Core capital (leverage) ratio | 10.5324% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6667% | 680 |
| Memoranda: | ||
| Average total assets | $425,523,500 | 1,691 |
| Average earning assets | $392,135,500 | 1,692 |
| Average equity | $47,366,500 | 1,747 |
| Average total loans | $187,456,500 | 2,282 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 4,452 |
| Cost of funding earning assets | 0.8266% | 2,546 |
| Net interest margin | 3.0637% | 4,427 |
| Noninterest income to average assets | 0.8780% | 1,225 |
| Noninterest expense to average assets | 2.3653% | 3,784 |
| Loan and lease loss provision to assets | 0.3646% | 411 |
| Net operating income to assets | 0.8980% | 3,214 |
| Return on assets (ROA) | 0.9126% | 3,234 |
| Pretax return on assets | 0.9948% | 3,470 |
| Return on Equity (ROE) | 8.4483% | 2,963 |
| Retained earnings to average equity (ytd only) | 2.4981% | 3,783 |
| Net charge-offs to loans | 1.1406% | 136 |
| Credit loss provision to net charge-offs | 73.0076% | 2,872 |
| Earnings coverage of net charge-offs (x) | 2.6902% | 3,388 |
| Efficiency ratio | 63.0086% | 3,219 |
| Assets per employee ($millions) | 5.0244% | 2,564 |
| Cash dividends to net income (ytd only)* | 70.4309% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 4,243 |
| Loan loss allowance to noncurrent loans | 137.5111% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 3,348 |
| Noncurrent loans to loans | 0.5964% | 2,396 |
| Net loans and leases to total assets | 44.8601% | 4,562 |
| Net loans and leases to deposits | 51.6550% | 4,617 |
| Net loans and leases to core deposits | 60.0481% | 4,439 |
| Total domestic deposits to total assets | 86.8456% | 1,689 |
| Equity capital to assets | 11.1025% | 2,905 |
| Core capital (leverage) ratio | 10.4523% | 3,003 |
| Tier 1 risk-based capital ratio | 20.8619% | 1,189 |
| Total risk-based capital ratio | 21.5974% | 1,243 |
| Memoranda: | ||
| Average total assets | $422,105,200 | 1,657 |
| Average earning assets | $390,016,000 | 1,662 |
| Average equity | $45,594,800 | 1,739 |
| Average total loans | $184,811,000 | 2,273 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 4,606 |
| Cost of funding earning assets | 0.8066% | 2,679 |
| Net interest margin | 3.0433% | 4,569 |
| Noninterest income to average assets | 0.8780% | 1,198 |
| Noninterest expense to average assets | 2.2482% | 4,078 |
| Loan and lease loss provision to assets | 0.2299% | 738 |
| Net operating income to assets | 1.0753% | 2,664 |
| Return on assets (ROA) | 1.1073% | 2,634 |
| Pretax return on assets | 1.2471% | 2,825 |
| Return on Equity (ROE) | 10.3215% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.6462% | 2,036 |
| Net charge-offs to loans | 1.0218% | 140 |
| Credit loss provision to net charge-offs | 51.8098% | 2,774 |
| Earnings coverage of net charge-offs (x) | 3.2477% | 3,120 |
| Efficiency ratio | 60.1707% | 3,609 |
| Assets per employee ($millions) | 5.1858% | 2,358 |
| Cash dividends to net income (ytd only)* | 35.6086% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,502 |
| Loan loss allowance to noncurrent loans | 110.5385% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,324 |
| Noncurrent loans to loans | 0.6935% | 2,224 |
| Net loans and leases to total assets | 43.7442% | 4,702 |
| Net loans and leases to deposits | 51.0221% | 4,744 |
| Net loans and leases to core deposits | 58.6150% | 4,581 |
| Total domestic deposits to total assets | 85.7358% | 2,108 |
| Equity capital to assets | 11.2003% | 2,925 |
| Core capital (leverage) ratio | 10.6756% | 2,951 |
| Tier 1 risk-based capital ratio | 21.8032% | 1,095 |
| Total risk-based capital ratio | 22.4996% | 1,143 |
| Memoranda: | ||
| Average total assets | $423,375,250 | 1,665 |
| Average earning assets | $391,099,000 | 1,671 |
| Average equity | $45,418,500 | 1,745 |
| Average total loans | $183,857,500 | 2,304 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,713 |
| Cost of funding earning assets | 0.7830% | 2,725 |
| Net interest margin | 3.0131% | 4,663 |
| Noninterest income to average assets | 0.8317% | 1,245 |
| Noninterest expense to average assets | 2.1734% | 4,288 |
| Loan and lease loss provision to assets | 0.2048% | 826 |
| Net operating income to assets | 1.1151% | 2,464 |
| Return on assets (ROA) | 1.1151% | 2,538 |
| Pretax return on assets | 1.2371% | 2,793 |
| Return on Equity (ROE) | 10.5501% | 2,157 |
| Retained earnings to average equity (ytd only) | 7.7481% | 1,497 |
| Net charge-offs to loans | 0.4040% | 415 |
| Credit loss provision to net charge-offs | 117.3442% | 1,772 |
| Earnings coverage of net charge-offs (x) | 8.2602% | 2,431 |
| Efficiency ratio | 59.3431% | 3,820 |
| Assets per employee ($millions) | 5.2871% | 2,164 |
| Cash dividends to net income (ytd only)* | 26.5592% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,653 |
| Loan loss allowance to noncurrent loans | 141.1917% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 3,094 |
| Noncurrent loans to loans | 0.8315% | 1,927 |
| Net loans and leases to total assets | 42.8516% | 4,754 |
| Net loans and leases to deposits | 49.5134% | 4,818 |
| Net loans and leases to core deposits | 56.5670% | 4,697 |
| Total domestic deposits to total assets | 86.5455% | 1,797 |
| Equity capital to assets | 10.8623% | 3,214 |
| Core capital (leverage) ratio | 10.5334% | 3,050 |
| Tier 1 risk-based capital ratio | 20.7509% | 1,206 |
| Total risk-based capital ratio | 21.7685% | 1,217 |
| Memoranda: | ||
| Average total assets | $422,754,330 | 1,670 |
| Average earning assets | $390,566,670 | 1,676 |
| Average equity | $44,682,000 | 1,769 |
| Average total loans | $182,658,670 | 2,319 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,767 |
| Cost of funding earning assets | 0.7696% | 2,687 |
| Net interest margin | 2.9876% | 4,771 |
| Noninterest income to average assets | 0.8981% | 1,042 |
| Noninterest expense to average assets | 2.1704% | 4,330 |
| Loan and lease loss provision to assets | 0.1524% | 1,103 |
| Net operating income to assets | 1.2028% | 2,042 |
| Return on assets (ROA) | 1.2028% | 2,094 |
| Pretax return on assets | 1.3333% | 2,317 |
| Return on Equity (ROE) | 11.5437% | 1,717 |
| Retained earnings to average equity (ytd only) | 9.0028% | 1,322 |
| Net charge-offs to loans | -0.0265% | 4,598 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6090% | 4,003 |
| Assets per employee ($millions) | 5.2588% | 2,215 |
| Cash dividends to net income (ytd only)* | 22.0111% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,242 |
| Loan loss allowance to noncurrent loans | 136.7603% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 3,007 |
| Noncurrent loans to loans | 0.9266% | 1,803 |
| Net loans and leases to total assets | 41.8519% | 4,834 |
| Net loans and leases to deposits | 47.9981% | 4,878 |
| Net loans and leases to core deposits | 53.9058% | 4,788 |
| Total domestic deposits to total assets | 87.1949% | 1,719 |
| Equity capital to assets | 10.5218% | 3,325 |
| Core capital (leverage) ratio | 10.5672% | 2,977 |
| Tier 1 risk-based capital ratio | 20.9618% | 1,170 |
| Total risk-based capital ratio | 22.0592% | 1,169 |
| Memoranda: | ||
| Average total assets | $420,005,500 | 1,687 |
| Average earning assets | $387,739,500 | 1,697 |
| Average equity | $43,764,000 | 1,787 |
| Average total loans | $181,141,500 | 2,359 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 4,518 |
| Cost of funding earning assets | 0.7010% | 2,087 |
| Net interest margin | 3.0865% | 4,673 |
| Noninterest income to average assets | 0.9356% | 1,092 |
| Noninterest expense to average assets | 2.4603% | 3,726 |
| Loan and lease loss provision to assets | 0.1669% | 1,212 |
| Net operating income to assets | 1.0305% | 2,885 |
| Return on assets (ROA) | 1.0274% | 2,884 |
| Pretax return on assets | 1.1394% | 3,135 |
| Return on Equity (ROE) | 9.8482% | 2,578 |
| Retained earnings to average equity (ytd only) | 5.0257% | 2,753 |
| Net charge-offs to loans | 0.1483% | 1,291 |
| Credit loss provision to net charge-offs | 260.3113% | 1,154 |
| Earnings coverage of net charge-offs (x) | 20.4319% | 2,002 |
| Efficiency ratio | 64.4658% | 3,125 |
| Assets per employee ($millions) | 5.1117% | 2,370 |
| Cash dividends to net income (ytd only)* | 48.9682% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,748 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 4,183 |
| Noncurrent loans to loans | 0.2911% | 3,517 |
| Net loans and leases to total assets | 43.3779% | 4,833 |
| Net loans and leases to deposits | 49.7027% | 4,891 |
| Net loans and leases to core deposits | 55.8786% | 4,781 |
| Total domestic deposits to total assets | 87.2749% | 1,654 |
| Equity capital to assets | 10.3150% | 3,359 |
| Core capital (leverage) ratio | 10.5154% | 3,012 |
| Tier 1 risk-based capital ratio | 20.5318% | 1,221 |
| Total risk-based capital ratio | 21.5489% | 1,235 |
| Memoranda: | ||
| Average total assets | $400,921,800 | 1,711 |
| Average earning assets | $368,188,800 | 1,733 |
| Average equity | $41,824,800 | 1,787 |
| Average total loans | $173,302,400 | 2,407 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,505 |
| Cost of funding earning assets | 0.6849% | 1,947 |
| Net interest margin | 3.0857% | 4,728 |
| Noninterest income to average assets | 0.9442% | 1,072 |
| Noninterest expense to average assets | 2.3538% | 3,966 |
| Loan and lease loss provision to assets | 0.1925% | 919 |
| Net operating income to assets | 1.0590% | 2,829 |
| Return on assets (ROA) | 1.0515% | 2,875 |
| Pretax return on assets | 1.2171% | 2,926 |
| Return on Equity (ROE) | 10.0501% | 2,598 |
| Retained earnings to average equity (ytd only) | 7.3774% | 1,941 |
| Net charge-offs to loans | 0.0545% | 2,040 |
| Credit loss provision to net charge-offs | 820.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 60.4292% | 1,061 |
| Efficiency ratio | 61.6089% | 3,570 |
| Assets per employee ($millions) | 4.9192% | 2,568 |
| Cash dividends to net income (ytd only)* | 26.5943% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,209 |
| Loan loss allowance to noncurrent loans | 521.9858% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,439 |
| Noncurrent loans to loans | 0.2446% | 3,818 |
| Net loans and leases to total assets | 42.8413% | 4,921 |
| Net loans and leases to deposits | 49.4444% | 4,968 |
| Net loans and leases to core deposits | 54.9772% | 4,876 |
| Total domestic deposits to total assets | 86.6453% | 1,899 |
| Equity capital to assets | 10.6221% | 3,023 |
| Core capital (leverage) ratio | 10.7904% | 2,801 |
| Tier 1 risk-based capital ratio | 21.6648% | 1,096 |
| Total risk-based capital ratio | 22.7796% | 1,090 |
| Memoranda: | ||
| Average total assets | $397,640,500 | 1,728 |
| Average earning assets | $364,418,750 | 1,754 |
| Average equity | $41,603,750 | 1,807 |
| Average total loans | $171,197,750 | 2,441 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 4,477 |
| Cost of funding earning assets | 0.6726% | 1,793 |
| Net interest margin | 3.0732% | 4,779 |
| Noninterest income to average assets | 0.9200% | 1,129 |
| Noninterest expense to average assets | 2.2639% | 4,225 |
| Loan and lease loss provision to assets | 0.2275% | 713 |
| Net operating income to assets | 1.0570% | 2,771 |
| Return on assets (ROA) | 1.0459% | 2,823 |
| Pretax return on assets | 1.2281% | 2,834 |
| Return on Equity (ROE) | 10.0475% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.3591% | 1,897 |
| Net charge-offs to loans | 0.0598% | 1,750 |
| Credit loss provision to net charge-offs | 886.2745% | 460 |
| Earnings coverage of net charge-offs (x) | 57.2157% | 1,026 |
| Efficiency ratio | 59.8571% | 3,958 |
| Assets per employee ($millions) | 4.8974% | 2,562 |
| Cash dividends to net income (ytd only)* | 26.7565% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,617 |
| Loan loss allowance to noncurrent loans | 332.5434% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,201 |
| Noncurrent loans to loans | 0.3662% | 3,382 |
| Net loans and leases to total assets | 42.5224% | 4,967 |
| Net loans and leases to deposits | 49.4885% | 4,993 |
| Net loans and leases to core deposits | 55.0844% | 4,895 |
| Total domestic deposits to total assets | 85.9239% | 2,317 |
| Equity capital to assets | 10.4169% | 3,192 |
| Core capital (leverage) ratio | 10.5758% | 2,947 |
| Tier 1 risk-based capital ratio | 21.1944% | 1,141 |
| Total risk-based capital ratio | 22.2535% | 1,148 |
| Memoranda: | ||
| Average total assets | $397,370,000 | 1,741 |
| Average earning assets | $363,663,000 | 1,760 |
| Average equity | $41,363,670 | 1,813 |
| Average total loans | $170,627,000 | 2,457 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 4,480 |
| Cost of funding earning assets | 0.6538% | 1,703 |
| Net interest margin | 3.0400% | 4,818 |
| Noninterest income to average assets | 0.9492% | 1,023 |
| Noninterest expense to average assets | 2.3154% | 4,158 |
| Loan and lease loss provision to assets | 0.1204% | 1,569 |
| Net operating income to assets | 1.0999% | 2,421 |
| Return on assets (ROA) | 1.1223% | 2,343 |
| Pretax return on assets | 1.3206% | 2,285 |
| Return on Equity (ROE) | 10.7856% | 2,052 |
| Retained earnings to average equity (ytd only) | 8.7529% | 1,552 |
| Net charge-offs to loans | 0.0330% | 1,843 |
| Credit loss provision to net charge-offs | 850.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 99.8571% | 611 |
| Efficiency ratio | 61.2859% | 3,902 |
| Assets per employee ($millions) | 4.9489% | 2,547 |
| Cash dividends to net income (ytd only)* | 18.8458% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,545 |
| Loan loss allowance to noncurrent loans | 299.5033% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 4,271 |
| Noncurrent loans to loans | 0.3574% | 3,488 |
| Net loans and leases to total assets | 41.7079% | 4,991 |
| Net loans and leases to deposits | 48.0230% | 5,039 |
| Net loans and leases to core deposits | 53.3153% | 4,936 |
| Total domestic deposits to total assets | 86.8498% | 2,183 |
| Equity capital to assets | 10.3001% | 3,285 |
| Core capital (leverage) ratio | 10.6247% | 2,823 |
| Tier 1 risk-based capital ratio | 21.3108% | 1,155 |
| Total risk-based capital ratio | 22.2397% | 1,184 |
| Memoranda: | ||
| Average total assets | $395,261,000 | 1,760 |
| Average earning assets | $361,581,500 | 1,781 |
| Average equity | $41,129,000 | 1,825 |
| Average total loans | $169,505,500 | 2,478 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,367 |
| Cost of funding earning assets | 0.6631% | 1,232 |
| Net interest margin | 3.0241% | 4,830 |
| Noninterest income to average assets | 0.8944% | 1,286 |
| Noninterest expense to average assets | 2.4305% | 3,988 |
| Loan and lease loss provision to assets | 0.0961% | 2,288 |
| Net operating income to assets | 0.9150% | 2,626 |
| Return on assets (ROA) | 0.9150% | 2,656 |
| Pretax return on assets | 1.1240% | 3,093 |
| Return on Equity (ROE) | 8.8154% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.7035% | 3,008 |
| Net charge-offs to loans | 0.0043% | 3,940 |
| Credit loss provision to net charge-offs | 5,400.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 685.5714% | 125 |
| Efficiency ratio | 65.7636% | 3,311 |
| Assets per employee ($millions) | 4.8106% | 2,723 |
| Cash dividends to net income (ytd only)* | 57.9883% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,925 |
| Loan loss allowance to noncurrent loans | 461.7886% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 4,592 |
| Noncurrent loans to loans | 0.2170% | 4,040 |
| Net loans and leases to total assets | 43.1933% | 5,018 |
| Net loans and leases to deposits | 50.2535% | 5,052 |
| Net loans and leases to core deposits | 55.1868% | 4,961 |
| Total domestic deposits to total assets | 85.9508% | 2,463 |
| Equity capital to assets | 10.5140% | 3,157 |
| Core capital (leverage) ratio | 10.4423% | 2,909 |
| Tier 1 risk-based capital ratio | 20.9287% | 1,156 |
| Total risk-based capital ratio | 21.8072% | 1,191 |
| Memoranda: | ||
| Average total assets | $393,342,200 | 1,731 |
| Average earning assets | $358,482,200 | 1,759 |
| Average equity | $40,826,200 | 1,818 |
| Average total loans | $163,170,600 | 2,503 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 4,392 |
| Cost of funding earning assets | 0.6662% | 1,139 |
| Net interest margin | 3.0043% | 4,906 |
| Noninterest income to average assets | 0.8762% | 1,351 |
| Noninterest expense to average assets | 2.2181% | 4,485 |
| Loan and lease loss provision to assets | 0.0933% | 2,217 |
| Net operating income to assets | 1.0531% | 2,319 |
| Return on assets (ROA) | 1.0531% | 2,353 |
| Pretax return on assets | 1.2976% | 2,507 |
| Return on Equity (ROE) | 10.1786% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.9036% | 1,260 |
| Net charge-offs to loans | 0.0429% | 2,579 |
| Credit loss provision to net charge-offs | 530.7692% | 600 |
| Earnings coverage of net charge-offs (x) | 79.0979% | 818 |
| Efficiency ratio | 60.6447% | 4,104 |
| Assets per employee ($millions) | 4.7751% | 2,732 |
| Cash dividends to net income (ytd only)* | 22.3507% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 4,292 |
| Loan loss allowance to noncurrent loans | 1,557.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,045 |
| Noncurrent loans to loans | 0.0614% | 4,838 |
| Net loans and leases to total assets | 41.1739% | 5,151 |
| Net loans and leases to deposits | 47.8430% | 5,190 |
| Net loans and leases to core deposits | 52.5206% | 5,121 |
| Total domestic deposits to total assets | 86.0603% | 2,286 |
| Equity capital to assets | 10.7882% | 3,079 |
| Core capital (leverage) ratio | 10.6478% | 2,830 |
| Tier 1 risk-based capital ratio | 22.1443% | 1,032 |
| Total risk-based capital ratio | 22.9752% | 1,058 |
| Memoranda: | ||
| Average total assets | $394,262,750 | 1,738 |
| Average earning assets | $358,633,750 | 1,774 |
| Average equity | $40,790,500 | 1,838 |
| Average total loans | $161,460,500 | 2,543 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 4,578 |
| Cost of funding earning assets | 0.6656% | 1,061 |
| Net interest margin | 2.9085% | 5,081 |
| Noninterest income to average assets | 0.8407% | 1,438 |
| Noninterest expense to average assets | 2.1702% | 4,626 |
| Loan and lease loss provision to assets | 0.0931% | 2,129 |
| Net operating income to assets | 0.9652% | 2,584 |
| Return on assets (ROA) | 0.9652% | 2,638 |
| Pretax return on assets | 1.2268% | 2,671 |
| Return on Equity (ROE) | 9.4625% | 2,292 |
| Retained earnings to average equity (ytd only) | 7.7357% | 1,269 |
| Net charge-offs to loans | -0.0584% | 5,243 |
| Credit loss provision to net charge-offs | -391.4894% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3544% | 4,111 |
| Assets per employee ($millions) | 4.9496% | 2,455 |
| Cash dividends to net income (ytd only)* | 18.2486% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,314 |
| Loan loss allowance to noncurrent loans | 445.5840% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 4,791 |
| Noncurrent loans to loans | 0.2180% | 4,252 |
| Net loans and leases to total assets | 40.2610% | 5,218 |
| Net loans and leases to deposits | 46.6549% | 5,267 |
| Net loans and leases to core deposits | 51.0692% | 5,184 |
| Total domestic deposits to total assets | 86.2952% | 2,243 |
| Equity capital to assets | 10.4603% | 3,393 |
| Core capital (leverage) ratio | 10.2949% | 3,152 |
| Tier 1 risk-based capital ratio | 21.7385% | 1,080 |
| Total risk-based capital ratio | 22.5752% | 1,120 |
| Memoranda: | ||
| Average total assets | $395,164,000 | 1,741 |
| Average earning assets | $359,982,330 | 1,763 |
| Average equity | $40,306,670 | 1,855 |
| Average total loans | $161,021,670 | 2,546 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 4,416 |
| Cost of funding earning assets | 0.6665% | 993 |
| Net interest margin | 2.9356% | 5,015 |
| Noninterest income to average assets | 0.9200% | 1,185 |
| Noninterest expense to average assets | 2.1856% | 4,681 |
| Loan and lease loss provision to assets | 0.0942% | 1,968 |
| Net operating income to assets | 1.0315% | 2,162 |
| Return on assets (ROA) | 1.0315% | 2,211 |
| Pretax return on assets | 1.3223% | 2,160 |
| Return on Equity (ROE) | 10.2439% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.8452% | 1,133 |
| Net charge-offs to loans | -0.0124% | 4,514 |
| Credit loss provision to net charge-offs | -1,860.0000% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9156% | 4,459 |
| Assets per employee ($millions) | 5.0382% | 2,394 |
| Cash dividends to net income (ytd only)* | 13.6542% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,765 |
| Loan loss allowance to noncurrent loans | 2,345.9016% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,191 |
| Noncurrent loans to loans | 0.0382% | 5,045 |
| Net loans and leases to total assets | 39.2155% | 5,278 |
| Net loans and leases to deposits | 45.2087% | 5,326 |
| Net loans and leases to core deposits | 49.5761% | 5,239 |
| Total domestic deposits to total assets | 86.7434% | 2,336 |
| Equity capital to assets | 9.9895% | 3,767 |
| Core capital (leverage) ratio | 10.1699% | 3,285 |
| Tier 1 risk-based capital ratio | 21.1868% | 1,196 |
| Total risk-based capital ratio | 21.9457% | 1,240 |
| Memoranda: | ||
| Average total assets | $394,764,000 | 1,758 |
| Average earning assets | $360,674,500 | 1,771 |
| Average equity | $39,750,500 | 1,876 |
| Average total loans | $161,041,000 | 2,564 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,290 |
| Cost of funding earning assets | 0.6875% | 869 |
| Net interest margin | 2.9894% | 4,978 |
| Noninterest income to average assets | 1.2395% | 740 |
| Noninterest expense to average assets | 2.3671% | 4,373 |
| Loan and lease loss provision to assets | 0.1602% | 1,539 |
| Net operating income to assets | 1.1312% | 1,767 |
| Return on assets (ROA) | 1.1312% | 1,862 |
| Pretax return on assets | 1.4504% | 1,750 |
| Return on Equity (ROE) | 11.0852% | 1,551 |
| Retained earnings to average equity (ytd only) | 2.8848% | 3,843 |
| Net charge-offs to loans | 0.7280% | 292 |
| Credit loss provision to net charge-offs | 54.1991% | 3,330 |
| Earnings coverage of net charge-offs (x) | 5.4476% | 3,341 |
| Efficiency ratio | 59.3861% | 4,678 |
| Assets per employee ($millions) | 4.9548% | 2,441 |
| Cash dividends to net income (ytd only)* | 73.9760% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 5,051 |
| Loan loss allowance to noncurrent loans | 1,388.5417% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 5,213 |
| Noncurrent loans to loans | 0.0590% | 5,010 |
| Net loans and leases to total assets | 41.7255% | 5,243 |
| Net loans and leases to deposits | 48.3338% | 5,280 |
| Net loans and leases to core deposits | 53.1364% | 5,175 |
| Total domestic deposits to total assets | 86.3277% | 2,442 |
| Equity capital to assets | 10.1528% | 3,545 |
| Core capital (leverage) ratio | 10.1670% | 3,275 |
| Tier 1 risk-based capital ratio | 20.8019% | 1,248 |
| Total risk-based capital ratio | 21.5117% | 1,305 |
| Memoranda: | ||
| Average total assets | $390,650,000 | 1,719 |
| Average earning assets | $357,836,800 | 1,734 |
| Average equity | $39,864,000 | 1,851 |
| Average total loans | $158,656,600 | 2,536 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,215 |
| Cost of funding earning assets | 0.6921% | 849 |
| Net interest margin | 3.0180% | 4,979 |
| Noninterest income to average assets | 1.3558% | 637 |
| Noninterest expense to average assets | 2.1938% | 4,783 |
| Loan and lease loss provision to assets | 0.0511% | 3,226 |
| Net operating income to assets | 1.4181% | 1,035 |
| Return on assets (ROA) | 1.4181% | 1,085 |
| Pretax return on assets | 1.8776% | 747 |
| Return on Equity (ROE) | 13.8792% | 850 |
| Retained earnings to average equity (ytd only) | 6.6964% | 1,788 |
| Net charge-offs to loans | 0.3146% | 734 |
| Credit loss provision to net charge-offs | 40.3226% | 3,146 |
| Earnings coverage of net charge-offs (x) | 15.2311% | 2,193 |
| Efficiency ratio | 53.1005% | 5,305 |
| Assets per employee ($millions) | 4.7378% | 2,686 |
| Cash dividends to net income (ytd only)* | 51.7522% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,395 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,237 |
| Noncurrent loans to loans | 0.1002% | 4,938 |
| Net loans and leases to total assets | 41.7136% | 5,309 |
| Net loans and leases to deposits | 48.7678% | 5,355 |
| Net loans and leases to core deposits | 53.6527% | 5,234 |
| Total domestic deposits to total assets | 85.5350% | 2,589 |
| Equity capital to assets | 10.5364% | 3,524 |
| Core capital (leverage) ratio | 10.3268% | 3,193 |
| Tier 1 risk-based capital ratio | 21.3447% | 1,216 |
| Total risk-based capital ratio | 22.2216% | 1,259 |
| Memoranda: | ||
| Average total assets | $391,693,500 | 1,719 |
| Average earning assets | $359,081,750 | 1,729 |
| Average equity | $40,020,500 | 1,857 |
| Average total loans | $157,672,750 | 2,554 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,375 |
| Cost of funding earning assets | 0.6855% | 859 |
| Net interest margin | 2.9886% | 5,104 |
| Noninterest income to average assets | 1.5582% | 500 |
| Noninterest expense to average assets | 2.0888% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6346% | 666 |
| Return on assets (ROA) | 1.6346% | 711 |
| Pretax return on assets | 2.2110% | 374 |
| Return on Equity (ROE) | 16.1648% | 515 |
| Retained earnings to average equity (ytd only) | 8.4601% | 1,021 |
| Net charge-offs to loans | 0.0899% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 62.0286% | 854 |
| Efficiency ratio | 48.4723% | 5,647 |
| Assets per employee ($millions) | 4.7900% | 2,574 |
| Cash dividends to net income (ytd only)* | 47.6636% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,804 |
| Loan loss allowance to noncurrent loans | 626.5734% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,185 |
| Noncurrent loans to loans | 0.1797% | 4,715 |
| Net loans and leases to total assets | 40.0687% | 5,416 |
| Net loans and leases to deposits | 46.9912% | 5,460 |
| Net loans and leases to core deposits | 51.6878% | 5,368 |
| Total domestic deposits to total assets | 85.2686% | 2,747 |
| Equity capital to assets | 10.3251% | 3,821 |
| Core capital (leverage) ratio | 10.0865% | 3,465 |
| Tier 1 risk-based capital ratio | 21.3183% | 1,221 |
| Total risk-based capital ratio | 22.2834% | 1,250 |
| Memoranda: | ||
| Average total assets | $392,757,330 | 1,719 |
| Average earning assets | $360,298,670 | 1,726 |
| Average equity | $39,716,000 | 1,869 |
| Average total loans | $155,664,330 | 2,581 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,457 |
| Cost of funding earning assets | 0.6863% | 862 |
| Net interest margin | 2.9697% | 5,180 |
| Noninterest income to average assets | 2.3048% | 284 |
| Noninterest expense to average assets | 1.9769% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2681% | 211 |
| Return on assets (ROA) | 2.2681% | 222 |
| Pretax return on assets | 3.0513% | 127 |
| Return on Equity (ROE) | 22.6687% | 139 |
| Retained earnings to average equity (ytd only) | 12.0520% | 501 |
| Net charge-offs to loans | -0.0312% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2344% | 5,983 |
| Assets per employee ($millions) | 4.8982% | 2,462 |
| Cash dividends to net income (ytd only)* | 46.8343% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 3,385 |
| Loan loss allowance to noncurrent loans | 9,370.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,579 |
| Noncurrent loans to loans | 0.0130% | 5,470 |
| Net loans and leases to total assets | 38.3450% | 5,541 |
| Net loans and leases to deposits | 44.2879% | 5,578 |
| Net loans and leases to core deposits | 48.8798% | 5,482 |
| Total domestic deposits to total assets | 86.5812% | 2,416 |
| Equity capital to assets | 10.0825% | 3,969 |
| Core capital (leverage) ratio | 9.9777% | 3,555 |
| Tier 1 risk-based capital ratio | 21.2563% | 1,272 |
| Total risk-based capital ratio | 22.2755% | 1,289 |
| Memoranda: | ||
| Average total assets | $392,746,000 | 1,718 |
| Average earning assets | $360,175,000 | 1,726 |
| Average equity | $39,296,500 | 1,879 |
| Average total loans | $153,909,500 | 2,597 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 4,318 |
| Cost of funding earning assets | 0.7487% | 646 |
| Net interest margin | 2.9692% | 5,209 |
| Noninterest income to average assets | 0.9430% | 1,335 |
| Noninterest expense to average assets | 2.2612% | 4,898 |
| Loan and lease loss provision to assets | 0.0549% | 3,215 |
| Net operating income to assets | 1.0552% | 2,107 |
| Return on assets (ROA) | 1.0552% | 2,190 |
| Pretax return on assets | 1.3377% | 2,140 |
| Return on Equity (ROE) | 10.3840% | 1,850 |
| Retained earnings to average equity (ytd only) | 3.5176% | 3,558 |
| Net charge-offs to loans | -0.0244% | 5,333 |
| Credit loss provision to net charge-offs | -577.7778% | 5,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7847% | 4,644 |
| Assets per employee ($millions) | 4.9207% | 2,449 |
| Cash dividends to net income (ytd only)* | 66.1246% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,414 |
| Loan loss allowance to noncurrent loans | 651.0490% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 5,283 |
| Noncurrent loans to loans | 0.1859% | 4,740 |
| Net loans and leases to total assets | 39.0875% | 5,570 |
| Net loans and leases to deposits | 45.5422% | 5,591 |
| Net loans and leases to core deposits | 50.3989% | 5,481 |
| Total domestic deposits to total assets | 85.8269% | 2,724 |
| Equity capital to assets | 9.9270% | 4,045 |
| Core capital (leverage) ratio | 9.8702% | 3,692 |
| Tier 1 risk-based capital ratio | 20.6713% | 1,355 |
| Total risk-based capital ratio | 21.6871% | 1,379 |
| Memoranda: | ||
| Average total assets | $378,774,800 | 1,736 |
| Average earning assets | $345,816,800 | 1,759 |
| Average equity | $38,492,000 | 1,868 |
| Average total loans | $147,647,800 | 2,630 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,403 |
| Cost of funding earning assets | 0.7577% | 624 |
| Net interest margin | 2.9476% | 5,314 |
| Noninterest income to average assets | 0.9610% | 1,287 |
| Noninterest expense to average assets | 2.0356% | 5,411 |
| Loan and lease loss provision to assets | 0.0025% | 4,199 |
| Net operating income to assets | 1.2643% | 1,438 |
| Return on assets (ROA) | 1.2643% | 1,499 |
| Pretax return on assets | 1.6136% | 1,339 |
| Return on Equity (ROE) | 12.3668% | 1,280 |
| Retained earnings to average equity (ytd only) | 7.0638% | 1,657 |
| Net charge-offs to loans | -0.0502% | 5,550 |
| Credit loss provision to net charge-offs | -12.7273% | 4,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7442% | 5,382 |
| Assets per employee ($millions) | 4.7935% | 2,569 |
| Cash dividends to net income (ytd only)* | 42.8812% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 4,068 |
| Loan loss allowance to noncurrent loans | 1,282.4427% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,524 |
| Noncurrent loans to loans | 0.0880% | 5,277 |
| Net loans and leases to total assets | 37.9272% | 5,709 |
| Net loans and leases to deposits | 44.4482% | 5,706 |
| Net loans and leases to core deposits | 49.1434% | 5,610 |
| Total domestic deposits to total assets | 85.3289% | 2,866 |
| Equity capital to assets | 10.1632% | 3,980 |
| Core capital (leverage) ratio | 10.0367% | 3,570 |
| Tier 1 risk-based capital ratio | 21.5304% | 1,263 |
| Total risk-based capital ratio | 22.4682% | 1,288 |
| Memoranda: | ||
| Average total assets | $376,284,500 | 1,756 |
| Average earning assets | $343,506,250 | 1,775 |
| Average equity | $38,467,500 | 1,885 |
| Average total loans | $146,107,500 | 2,659 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,377 |
| Cost of funding earning assets | 0.7721% | 578 |
| Net interest margin | 2.9373% | 5,370 |
| Noninterest income to average assets | 0.9439% | 1,320 |
| Noninterest expense to average assets | 2.0393% | 5,454 |
| Loan and lease loss provision to assets | 0.0038% | 4,011 |
| Net operating income to assets | 1.2297% | 1,517 |
| Return on assets (ROA) | 1.2297% | 1,588 |
| Pretax return on assets | 1.5762% | 1,401 |
| Return on Equity (ROE) | 12.0043% | 1,368 |
| Retained earnings to average equity (ytd only) | 6.8963% | 1,743 |
| Net charge-offs to loans | 0.0220% | 3,223 |
| Credit loss provision to net charge-offs | 43.7500% | 2,771 |
| Earnings coverage of net charge-offs (x) | 183.8125% | 366 |
| Efficiency ratio | 56.3456% | 5,397 |
| Assets per employee ($millions) | 4.8498% | 2,470 |
| Cash dividends to net income (ytd only)* | 42.5513% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,347 |
| Loan loss allowance to noncurrent loans | 1,892.9412% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 5,657 |
| Noncurrent loans to loans | 0.0579% | 5,503 |
| Net loans and leases to total assets | 37.4458% | 5,758 |
| Net loans and leases to deposits | 43.2149% | 5,793 |
| Net loans and leases to core deposits | 47.7310% | 5,699 |
| Total domestic deposits to total assets | 86.6503% | 2,344 |
| Equity capital to assets | 9.9220% | 4,126 |
| Core capital (leverage) ratio | 10.1257% | 3,431 |
| Tier 1 risk-based capital ratio | 21.1930% | 1,326 |
| Total risk-based capital ratio | 22.0940% | 1,371 |
| Memoranda: | ||
| Average total assets | $372,288,330 | 1,787 |
| Average earning assets | $339,091,000 | 1,810 |
| Average equity | $38,136,330 | 1,904 |
| Average total loans | $145,163,000 | 2,680 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,079 |
| Cost of funding earning assets | 0.7906% | 533 |
| Net interest margin | 2.9922% | 5,238 |
| Noninterest income to average assets | 1.0350% | 1,043 |
| Noninterest expense to average assets | 2.0865% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3083% | 1,247 |
| Return on assets (ROA) | 1.3083% | 1,336 |
| Pretax return on assets | 1.6694% | 1,115 |
| Return on Equity (ROE) | 12.5617% | 1,201 |
| Retained earnings to average equity (ytd only) | 8.8944% | 1,236 |
| Net charge-offs to loans | -0.0305% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5523% | 5,554 |
| Assets per employee ($millions) | 4.5885% | 2,914 |
| Cash dividends to net income (ytd only)* | 29.1946% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 4,406 |
| Loan loss allowance to noncurrent loans | 186.5979% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 4,860 |
| Noncurrent loans to loans | 0.6019% | 3,771 |
| Net loans and leases to total assets | 39.0681% | 5,661 |
| Net loans and leases to deposits | 45.5716% | 5,672 |
| Net loans and leases to core deposits | 50.1095% | 5,587 |
| Total domestic deposits to total assets | 85.7290% | 3,076 |
| Equity capital to assets | 10.4705% | 3,564 |
| Core capital (leverage) ratio | 10.2525% | 3,280 |
| Tier 1 risk-based capital ratio | 21.4461% | 1,338 |
| Total risk-based capital ratio | 22.3810% | 1,371 |
| Memoranda: | ||
| Average total assets | $364,439,000 | 1,823 |
| Average earning assets | $331,395,000 | 1,855 |
| Average equity | $37,956,500 | 1,928 |
| Average total loans | $144,297,500 | 2,704 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,223 |
| Cost of funding earning assets | 0.8934% | 403 |
| Net interest margin | 2.9817% | 5,485 |
| Noninterest income to average assets | 0.9771% | 1,264 |
| Noninterest expense to average assets | 2.3575% | 4,954 |
| Loan and lease loss provision to assets | 0.0067% | 4,493 |
| Net operating income to assets | 1.0558% | 2,142 |
| Return on assets (ROA) | 1.0558% | 2,206 |
| Pretax return on assets | 1.3341% | 2,132 |
| Return on Equity (ROE) | 10.2799% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.1487% | 3,997 |
| Net charge-offs to loans | 0.0249% | 4,337 |
| Credit loss provision to net charge-offs | 68.5714% | 3,105 |
| Earnings coverage of net charge-offs (x) | 138.2286% | 387 |
| Efficiency ratio | 63.7467% | 4,623 |
| Assets per employee ($millions) | 4.5797% | 2,904 |
| Cash dividends to net income (ytd only)* | 69.3701% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 4,402 |
| Loan loss allowance to noncurrent loans | 187.7030% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 4,941 |
| Noncurrent loans to loans | 0.6005% | 3,869 |
| Net loans and leases to total assets | 39.2310% | 5,787 |
| Net loans and leases to deposits | 45.6674% | 5,808 |
| Net loans and leases to core deposits | 50.3141% | 5,699 |
| Total domestic deposits to total assets | 85.9059% | 2,894 |
| Equity capital to assets | 10.3588% | 3,656 |
| Core capital (leverage) ratio | 10.1587% | 3,358 |
| Tier 1 risk-based capital ratio | 20.9715% | 1,413 |
| Total risk-based capital ratio | 21.9006% | 1,452 |
| Memoranda: | ||
| Average total assets | $360,849,200 | 1,806 |
| Average earning assets | $329,304,800 | 1,825 |
| Average equity | $37,062,600 | 1,897 |
| Average total loans | $140,667,200 | 2,705 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,578 |
| Cost of funding earning assets | 0.9142% | 383 |
| Net interest margin | 2.8760% | 5,749 |
| Noninterest income to average assets | 0.9731% | 1,303 |
| Noninterest expense to average assets | 2.1607% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1214% | 1,956 |
| Return on assets (ROA) | 1.1214% | 2,020 |
| Pretax return on assets | 1.4423% | 1,838 |
| Return on Equity (ROE) | 10.9417% | 1,810 |
| Retained earnings to average equity (ytd only) | 6.4214% | 2,156 |
| Net charge-offs to loans | -0.2077% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9692% | 5,185 |
| Assets per employee ($millions) | 4.5623% | 2,865 |
| Cash dividends to net income (ytd only)* | 41.3121% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 3,643 |
| Loan loss allowance to noncurrent loans | 103.8224% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 4,001 |
| Noncurrent loans to loans | 1.2526% | 2,548 |
| Net loans and leases to total assets | 38.8919% | 5,893 |
| Net loans and leases to deposits | 45.9358% | 5,867 |
| Net loans and leases to core deposits | 51.2034% | 5,732 |
| Total domestic deposits to total assets | 84.6656% | 3,471 |
| Equity capital to assets | 10.5265% | 3,524 |
| Core capital (leverage) ratio | 10.2442% | 3,350 |
| Tier 1 risk-based capital ratio | 21.4284% | 1,367 |
| Total risk-based capital ratio | 22.4944% | 1,374 |
| Memoranda: | ||
| Average total assets | $360,612,000 | 1,820 |
| Average earning assets | $329,758,750 | 1,832 |
| Average equity | $36,958,750 | 1,908 |
| Average total loans | $139,945,250 | 2,731 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,732 |
| Cost of funding earning assets | 0.9312% | 350 |
| Net interest margin | 2.8094% | 5,885 |
| Noninterest income to average assets | 0.9538% | 1,319 |
| Noninterest expense to average assets | 2.1482% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0791% | 2,010 |
| Return on assets (ROA) | 1.0791% | 2,079 |
| Pretax return on assets | 1.3719% | 1,995 |
| Return on Equity (ROE) | 10.6247% | 1,884 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,280 |
| Net charge-offs to loans | -0.2801% | 6,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0271% | 5,142 |
| Assets per employee ($millions) | 4.6092% | 2,756 |
| Cash dividends to net income (ytd only)* | 42.9085% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,866 |
| Loan loss allowance to noncurrent loans | 93.8272% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 4,016 |
| Noncurrent loans to loans | 1.3822% | 2,493 |
| Net loans and leases to total assets | 38.1239% | 5,951 |
| Net loans and leases to deposits | 44.8405% | 5,943 |
| Net loans and leases to core deposits | 49.8148% | 5,803 |
| Total domestic deposits to total assets | 85.0211% | 3,494 |
| Equity capital to assets | 10.2363% | 3,777 |
| Core capital (leverage) ratio | 10.0952% | 3,478 |
| Tier 1 risk-based capital ratio | 21.1172% | 1,426 |
| Total risk-based capital ratio | 22.1738% | 1,436 |
| Memoranda: | ||
| Average total assets | $360,674,330 | 1,815 |
| Average earning assets | $329,462,000 | 1,828 |
| Average equity | $36,631,670 | 1,917 |
| Average total loans | $139,252,670 | 2,743 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 4,315 |
| Cost of funding earning assets | 0.9571% | 326 |
| Net interest margin | 2.8847% | 5,783 |
| Noninterest income to average assets | 0.9795% | 1,176 |
| Noninterest expense to average assets | 2.0515% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2771% | 1,275 |
| Return on assets (ROA) | 1.2771% | 1,327 |
| Pretax return on assets | 1.5545% | 1,280 |
| Return on Equity (ROE) | 12.6243% | 1,253 |
| Retained earnings to average equity (ytd only) | 8.7907% | 1,316 |
| Net charge-offs to loans | -0.1646% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8912% | 5,768 |
| Assets per employee ($millions) | 4.4869% | 2,991 |
| Cash dividends to net income (ytd only)* | 30.3665% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 4,453 |
| Loan loss allowance to noncurrent loans | 1,937.9310% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 5,808 |
| Noncurrent loans to loans | 0.0637% | 5,960 |
| Net loans and leases to total assets | 37.0940% | 6,012 |
| Net loans and leases to deposits | 43.1465% | 6,016 |
| Net loans and leases to core deposits | 47.8631% | 5,882 |
| Total domestic deposits to total assets | 85.9722% | 3,380 |
| Equity capital to assets | 10.1169% | 3,699 |
| Core capital (leverage) ratio | 10.1329% | 3,383 |
| Tier 1 risk-based capital ratio | 21.3197% | 1,412 |
| Total risk-based capital ratio | 22.3144% | 1,444 |
| Memoranda: | ||
| Average total assets | $358,948,500 | 1,833 |
| Average earning assets | $326,832,500 | 1,844 |
| Average equity | $36,311,000 | 1,922 |
| Average total loans | $138,557,500 | 2,756 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,750 |
| Cost of funding earning assets | 1.0576% | 344 |
| Net interest margin | 2.7600% | 6,047 |
| Noninterest income to average assets | 0.9197% | 1,613 |
| Noninterest expense to average assets | 2.1971% | 5,634 |
| Loan and lease loss provision to assets | 0.1558% | 2,325 |
| Net operating income to assets | 0.8858% | 2,849 |
| Return on assets (ROA) | 0.8858% | 2,941 |
| Pretax return on assets | 1.0746% | 3,051 |
| Return on Equity (ROE) | 8.9449% | 2,557 |
| Retained earnings to average equity (ytd only) | 2.5676% | 4,425 |
| Net charge-offs to loans | 0.3477% | 1,945 |
| Credit loss provision to net charge-offs | 110.7632% | 2,176 |
| Earnings coverage of net charge-offs (x) | 8.7495% | 2,619 |
| Efficiency ratio | 64.1028% | 4,876 |
| Assets per employee ($millions) | 4.4868% | 2,929 |
| Cash dividends to net income (ytd only)* | 71.2954% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 4,874 |
| Loan loss allowance to noncurrent loans | 1,454.4643% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 5,849 |
| Noncurrent loans to loans | 0.0797% | 5,977 |
| Net loans and leases to total assets | 39.2109% | 6,016 |
| Net loans and leases to deposits | 45.9206% | 6,018 |
| Net loans and leases to core deposits | 51.2278% | 5,858 |
| Total domestic deposits to total assets | 85.3886% | 3,558 |
| Equity capital to assets | 10.1150% | 3,614 |
| Core capital (leverage) ratio | 10.0832% | 3,457 |
| Tier 1 risk-based capital ratio | 20.7539% | 1,474 |
| Total risk-based capital ratio | 21.7107% | 1,518 |
| Memoranda: | ||
| Average total assets | $363,387,400 | 1,784 |
| Average earning assets | $330,187,000 | 1,800 |
| Average equity | $35,986,800 | 1,917 |
| Average total loans | $146,952,200 | 2,602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 4,831 |
| Cost of funding earning assets | 1.0885% | 330 |
| Net interest margin | 2.7177% | 6,144 |
| Noninterest income to average assets | 0.9208% | 1,692 |
| Noninterest expense to average assets | 2.0833% | 5,864 |
| Loan and lease loss provision to assets | 0.1995% | 1,821 |
| Net operating income to assets | 0.9033% | 2,818 |
| Return on assets (ROA) | 0.9033% | 2,929 |
| Pretax return on assets | 1.1046% | 3,096 |
| Return on Equity (ROE) | 9.1687% | 2,561 |
| Retained earnings to average equity (ytd only) | 4.5344% | 3,449 |
| Net charge-offs to loans | 0.5018% | 1,281 |
| Credit loss provision to net charge-offs | 97.8533% | 2,439 |
| Earnings coverage of net charge-offs (x) | 6.3972% | 2,983 |
| Efficiency ratio | 61.5029% | 5,205 |
| Assets per employee ($millions) | 4.3796% | 3,083 |
| Cash dividends to net income (ytd only)* | 50.5450% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 5,146 |
| Loan loss allowance to noncurrent loans | 1,174.4361% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 6,031 |
| Noncurrent loans to loans | 0.0974% | 6,045 |
| Net loans and leases to total assets | 38.5422% | 6,138 |
| Net loans and leases to deposits | 45.1101% | 6,150 |
| Net loans and leases to core deposits | 49.6418% | 6,034 |
| Total domestic deposits to total assets | 85.4401% | 3,526 |
| Equity capital to assets | 10.3366% | 3,462 |
| Core capital (leverage) ratio | 10.0424% | 3,618 |
| Tier 1 risk-based capital ratio | 21.4707% | 1,406 |
| Total risk-based capital ratio | 22.4119% | 1,434 |
| Memoranda: | ||
| Average total assets | $365,620,500 | 1,793 |
| Average earning assets | $331,835,500 | 1,804 |
| Average equity | $36,020,250 | 1,930 |
| Average total loans | $148,536,750 | 2,593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,972 |
| Cost of funding earning assets | 1.1039% | 333 |
| Net interest margin | 2.6515% | 6,267 |
| Noninterest income to average assets | 0.8411% | 2,028 |
| Noninterest expense to average assets | 1.9994% | 6,048 |
| Loan and lease loss provision to assets | 0.1937% | 1,961 |
| Net operating income to assets | 0.8670% | 2,962 |
| Return on assets (ROA) | 0.8670% | 3,114 |
| Pretax return on assets | 1.0569% | 3,270 |
| Return on Equity (ROE) | 8.9390% | 2,638 |
| Retained earnings to average equity (ytd only) | 4.2943% | 3,557 |
| Net charge-offs to loans | 0.4091% | 1,580 |
| Credit loss provision to net charge-offs | 115.0641% | 1,922 |
| Earnings coverage of net charge-offs (x) | 7.4295% | 2,547 |
| Efficiency ratio | 61.5206% | 5,245 |
| Assets per employee ($millions) | 4.5860% | 2,668 |
| Cash dividends to net income (ytd only)* | 51.9602% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,286 |
| Loan loss allowance to noncurrent loans | 302.9907% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 5,675 |
| Noncurrent loans to loans | 0.3754% | 5,338 |
| Net loans and leases to total assets | 38.4004% | 6,151 |
| Net loans and leases to deposits | 45.5160% | 6,138 |
| Net loans and leases to core deposits | 49.9028% | 6,026 |
| Total domestic deposits to total assets | 84.3668% | 4,174 |
| Equity capital to assets | 9.7653% | 4,221 |
| Core capital (leverage) ratio | 9.5823% | 4,105 |
| Tier 1 risk-based capital ratio | 20.1924% | 1,678 |
| Total risk-based capital ratio | 21.1230% | 1,723 |
| Memoranda: | ||
| Average total assets | $370,705,000 | 1,765 |
| Average earning assets | $336,795,000 | 1,777 |
| Average equity | $35,955,000 | 1,938 |
| Average total loans | $152,515,330 | 2,533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,927 |
| Cost of funding earning assets | 1.1144% | 350 |
| Net interest margin | 2.6541% | 6,291 |
| Noninterest income to average assets | 0.8416% | 1,955 |
| Noninterest expense to average assets | 1.9462% | 6,202 |
| Loan and lease loss provision to assets | 0.1889% | 1,943 |
| Net operating income to assets | 0.9178% | 2,571 |
| Return on assets (ROA) | 0.9178% | 2,719 |
| Pretax return on assets | 1.1175% | 2,892 |
| Return on Equity (ROE) | 9.4950% | 2,264 |
| Retained earnings to average equity (ytd only) | 4.8641% | 3,322 |
| Net charge-offs to loans | -0.0609% | 6,223 |
| Credit loss provision to net charge-offs | -733.3333% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8350% | 5,610 |
| Assets per employee ($millions) | 4.5481% | 2,890 |
| Cash dividends to net income (ytd only)* | 48.7719% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,412 |
| Loan loss allowance to noncurrent loans | 224.5570% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 5,730 |
| Noncurrent loans to loans | 0.5113% | 5,149 |
| Net loans and leases to total assets | 40.9528% | 5,925 |
| Net loans and leases to deposits | 47.6186% | 5,948 |
| Net loans and leases to core deposits | 54.4377% | 5,641 |
| Total domestic deposits to total assets | 86.0017% | 3,525 |
| Equity capital to assets | 9.7041% | 4,560 |
| Core capital (leverage) ratio | 9.4255% | 4,200 |
| Tier 1 risk-based capital ratio | 19.9914% | 1,775 |
| Total risk-based capital ratio | 21.0095% | 1,802 |
| Memoranda: | ||
| Average total assets | $372,618,000 | 1,771 |
| Average earning assets | $338,491,000 | 1,788 |
| Average equity | $36,019,000 | 1,961 |
| Average total loans | $157,521,000 | 2,488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 4,972 |
| Cost of funding earning assets | 1.3625% | 288 |
| Net interest margin | 2.7319% | 6,477 |
| Noninterest income to average assets | 0.8636% | 1,981 |
| Noninterest expense to average assets | 2.0637% | 6,203 |
| Loan and lease loss provision to assets | 0.1930% | 3,222 |
| Net operating income to assets | 0.8736% | 2,939 |
| Return on assets (ROA) | 0.8736% | 3,182 |
| Pretax return on assets | 1.0810% | 3,226 |
| Return on Equity (ROE) | 9.2623% | 2,511 |
| Retained earnings to average equity (ytd only) | 2.2639% | 4,646 |
| Net charge-offs to loans | 0.3339% | 2,968 |
| Credit loss provision to net charge-offs | 134.0659% | 2,085 |
| Earnings coverage of net charge-offs (x) | 8.8516% | 2,342 |
| Efficiency ratio | 61.6806% | 5,287 |
| Assets per employee ($millions) | 4.7730% | 2,534 |
| Cash dividends to net income (ytd only)* | 75.5582% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,033 |
| Loan loss allowance to noncurrent loans | 118.3459% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 5,492 |
| Noncurrent loans to loans | 0.8285% | 4,534 |
| Net loans and leases to total assets | 42.6985% | 5,928 |
| Net loans and leases to deposits | 50.0107% | 5,955 |
| Net loans and leases to core deposits | 58.3408% | 5,508 |
| Total domestic deposits to total assets | 85.3787% | 3,672 |
| Equity capital to assets | 9.6287% | 4,695 |
| Core capital (leverage) ratio | 9.2709% | 4,469 |
| Tier 1 risk-based capital ratio | 19.4798% | 1,818 |
| Total risk-based capital ratio | 20.3713% | 1,900 |
| Memoranda: | ||
| Average total assets | $379,361,600 | 1,716 |
| Average earning assets | $343,568,200 | 1,735 |
| Average equity | $35,779,600 | 1,933 |
| Average total loans | $163,542,000 | 2,378 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 4,977 |
| Cost of funding earning assets | 1.3912% | 303 |
| Net interest margin | 2.7616% | 6,565 |
| Noninterest income to average assets | 0.8529% | 2,018 |
| Noninterest expense to average assets | 1.9881% | 6,370 |
| Loan and lease loss provision to assets | 0.1903% | 3,209 |
| Net operating income to assets | 0.9361% | 2,811 |
| Return on assets (ROA) | 0.9361% | 3,033 |
| Pretax return on assets | 1.1744% | 3,082 |
| Return on Equity (ROE) | 9.9766% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.5297% | 3,711 |
| Net charge-offs to loans | 0.0260% | 5,306 |
| Credit loss provision to net charge-offs | 1,700.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 121.8936% | 354 |
| Efficiency ratio | 59.0985% | 5,646 |
| Assets per employee ($millions) | 4.5811% | 2,778 |
| Cash dividends to net income (ytd only)* | 54.5964% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,416 |
| Loan loss allowance to noncurrent loans | 115.6421% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 5,477 |
| Noncurrent loans to loans | 1.0138% | 4,424 |
| Net loans and leases to total assets | 42.1240% | 6,120 |
| Net loans and leases to deposits | 49.6296% | 6,139 |
| Net loans and leases to core deposits | 58.1654% | 5,718 |
| Total domestic deposits to total assets | 84.8769% | 3,802 |
| Equity capital to assets | 9.5852% | 5,090 |
| Core capital (leverage) ratio | 9.2636% | 4,657 |
| Tier 1 risk-based capital ratio | 19.3232% | 1,917 |
| Total risk-based capital ratio | 20.3784% | 1,942 |
| Memoranda: | ||
| Average total assets | $381,129,000 | 1,726 |
| Average earning assets | $345,014,250 | 1,750 |
| Average equity | $35,762,750 | 1,951 |
| Average total loans | $164,293,250 | 2,401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 5,048 |
| Cost of funding earning assets | 1.4183% | 325 |
| Net interest margin | 2.7540% | 6,643 |
| Noninterest income to average assets | 0.8138% | 2,120 |
| Noninterest expense to average assets | 1.9936% | 6,449 |
| Loan and lease loss provision to assets | 0.1898% | 3,201 |
| Net operating income to assets | 0.9281% | 2,772 |
| Return on assets (ROA) | 0.9281% | 3,033 |
| Pretax return on assets | 1.1321% | 3,180 |
| Return on Equity (ROE) | 9.9620% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.0917% | 3,883 |
| Net charge-offs to loans | 0.0388% | 4,834 |
| Credit loss provision to net charge-offs | 1,131.2500% | 293 |
| Earnings coverage of net charge-offs (x) | 78.7813% | 515 |
| Efficiency ratio | 59.8292% | 5,602 |
| Assets per employee ($millions) | 4.4038% | 3,082 |
| Cash dividends to net income (ytd only)* | 58.9266% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,959 |
| Loan loss allowance to noncurrent loans | 196.1187% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 6,101 |
| Noncurrent loans to loans | 0.5355% | 5,450 |
| Net loans and leases to total assets | 41.7692% | 6,201 |
| Net loans and leases to deposits | 48.6931% | 6,270 |
| Net loans and leases to core deposits | 56.6487% | 5,891 |
| Total domestic deposits to total assets | 85.7805% | 3,470 |
| Equity capital to assets | 9.2478% | 5,402 |
| Core capital (leverage) ratio | 9.0275% | 4,870 |
| Tier 1 risk-based capital ratio | 18.7141% | 2,064 |
| Total risk-based capital ratio | 19.6515% | 2,122 |
| Memoranda: | ||
| Average total assets | $381,428,000 | 1,731 |
| Average earning assets | $346,480,670 | 1,741 |
| Average equity | $35,535,000 | 1,948 |
| Average total loans | $165,034,670 | 2,401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 4,982 |
| Cost of funding earning assets | 1.4815% | 315 |
| Net interest margin | 2.7520% | 6,712 |
| Noninterest income to average assets | 0.8288% | 2,035 |
| Noninterest expense to average assets | 2.0213% | 6,423 |
| Loan and lease loss provision to assets | 0.1903% | 3,047 |
| Net operating income to assets | 0.9821% | 2,549 |
| Return on assets (ROA) | 0.9821% | 2,751 |
| Pretax return on assets | 1.1269% | 3,210 |
| Return on Equity (ROE) | 10.5021% | 2,232 |
| Retained earnings to average equity (ytd only) | 5.7880% | 3,084 |
| Net charge-offs to loans | -0.0507% | 6,538 |
| Credit loss provision to net charge-offs | -857.1429% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9430% | 5,620 |
| Assets per employee ($millions) | 4.5577% | 2,885 |
| Cash dividends to net income (ytd only)* | 44.8870% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 6,342 |
| Loan loss allowance to noncurrent loans | 153.3784% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 6,104 |
| Noncurrent loans to loans | 0.6347% | 5,372 |
| Net loans and leases to total assets | 42.2180% | 6,175 |
| Net loans and leases to deposits | 49.0565% | 6,217 |
| Net loans and leases to core deposits | 57.2855% | 5,788 |
| Total domestic deposits to total assets | 86.0598% | 3,493 |
| Equity capital to assets | 9.2998% | 5,094 |
| Core capital (leverage) ratio | 9.0331% | 4,784 |
| Tier 1 risk-based capital ratio | 18.5654% | 2,123 |
| Total risk-based capital ratio | 19.4310% | 2,200 |
| Memoranda: | ||
| Average total assets | $378,376,000 | 1,751 |
| Average earning assets | $345,058,000 | 1,750 |
| Average equity | $35,383,500 | 1,958 |
| Average total loans | $165,758,500 | 2,409 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 4,522 |
| Cost of funding earning assets | 1.6814% | 343 |
| Net interest margin | 2.9543% | 6,600 |
| Noninterest income to average assets | 0.8847% | 1,725 |
| Noninterest expense to average assets | 2.1997% | 6,268 |
| Loan and lease loss provision to assets | 0.2024% | 4,159 |
| Net operating income to assets | 0.9362% | 2,461 |
| Return on assets (ROA) | 0.9362% | 2,583 |
| Pretax return on assets | 1.1535% | 2,635 |
| Return on Equity (ROE) | 10.0114% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.9951% | 4,095 |
| Net charge-offs to loans | 0.3761% | 3,528 |
| Credit loss provision to net charge-offs | 120.3526% | 2,645 |
| Earnings coverage of net charge-offs (x) | 8.0609% | 2,222 |
| Efficiency ratio | 61.8650% | 5,480 |
| Assets per employee ($millions) | 4.4512% | 2,988 |
| Cash dividends to net income (ytd only)* | 70.0835% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,688 |
| Loan loss allowance to noncurrent loans | 135.2827% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 6,015 |
| Noncurrent loans to loans | 0.6096% | 5,495 |
| Net loans and leases to total assets | 44.6397% | 6,146 |
| Net loans and leases to deposits | 52.4713% | 6,170 |
| Net loans and leases to core deposits | 61.0637% | 5,749 |
| Total domestic deposits to total assets | 85.0745% | 3,804 |
| Equity capital to assets | 9.4043% | 5,015 |
| Core capital (leverage) ratio | 9.0350% | 4,721 |
| Tier 1 risk-based capital ratio | 17.9390% | 2,209 |
| Total risk-based capital ratio | 18.6820% | 2,375 |
| Memoranda: | ||
| Average total assets | $370,964,800 | 1,759 |
| Average earning assets | $335,372,800 | 1,768 |
| Average equity | $34,690,400 | 1,934 |
| Average total loans | $165,894,600 | 2,419 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 4,412 |
| Cost of funding earning assets | 1.7180% | 369 |
| Net interest margin | 2.9915% | 6,601 |
| Noninterest income to average assets | 0.8906% | 1,683 |
| Noninterest expense to average assets | 1.9883% | 6,713 |
| Loan and lease loss provision to assets | 0.2020% | 4,000 |
| Net operating income to assets | 1.1160% | 1,916 |
| Return on assets (ROA) | 1.1160% | 2,051 |
| Pretax return on assets | 1.3998% | 1,945 |
| Return on Equity (ROE) | 11.9515% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.3171% | 2,357 |
| Net charge-offs to loans | 0.3178% | 3,512 |
| Credit loss provision to net charge-offs | 142.3858% | 2,238 |
| Earnings coverage of net charge-offs (x) | 11.2893% | 1,824 |
| Efficiency ratio | 55.3817% | 6,354 |
| Assets per employee ($millions) | 4.3523% | 3,174 |
| Cash dividends to net income (ytd only)* | 47.1442% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,687 |
| Loan loss allowance to noncurrent loans | 714.0000% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,522 |
| Noncurrent loans to loans | 0.1213% | 6,630 |
| Net loans and leases to total assets | 43.1563% | 6,414 |
| Net loans and leases to deposits | 50.6031% | 6,470 |
| Net loans and leases to core deposits | 58.9213% | 6,062 |
| Total domestic deposits to total assets | 85.2839% | 3,630 |
| Equity capital to assets | 9.4339% | 5,193 |
| Core capital (leverage) ratio | 9.2722% | 4,501 |
| Tier 1 risk-based capital ratio | 18.3993% | 2,118 |
| Total risk-based capital ratio | 19.1695% | 2,246 |
| Memoranda: | ||
| Average total assets | $370,230,250 | 1,763 |
| Average earning assets | $334,094,000 | 1,784 |
| Average equity | $34,572,250 | 1,946 |
| Average total loans | $165,294,000 | 2,439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 4,371 |
| Cost of funding earning assets | 1.7401% | 404 |
| Net interest margin | 2.9945% | 6,620 |
| Noninterest income to average assets | 0.8611% | 1,768 |
| Noninterest expense to average assets | 2.0587% | 6,677 |
| Loan and lease loss provision to assets | 0.2052% | 3,872 |
| Net operating income to assets | 1.0614% | 1,996 |
| Return on assets (ROA) | 1.0614% | 2,090 |
| Pretax return on assets | 1.3053% | 2,119 |
| Return on Equity (ROE) | 11.4072% | 1,670 |
| Retained earnings to average equity (ytd only) | 5.3058% | 2,806 |
| Net charge-offs to loans | 0.2357% | 3,710 |
| Credit loss provision to net charge-offs | 193.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 14.2308% | 1,495 |
| Efficiency ratio | 57.6788% | 6,204 |
| Assets per employee ($millions) | 4.1162% | 3,524 |
| Cash dividends to net income (ytd only)* | 53.4872% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 6,733 |
| Loan loss allowance to noncurrent loans | 343.5714% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 6,449 |
| Noncurrent loans to loans | 0.2528% | 6,416 |
| Net loans and leases to total assets | 44.4639% | 6,395 |
| Net loans and leases to deposits | 51.9305% | 6,476 |
| Net loans and leases to core deposits | 60.6374% | 6,037 |
| Total domestic deposits to total assets | 85.6220% | 3,542 |
| Equity capital to assets | 9.4093% | 4,958 |
| Core capital (leverage) ratio | 9.0511% | 4,645 |
| Tier 1 risk-based capital ratio | 18.1246% | 2,130 |
| Total risk-based capital ratio | 18.9081% | 2,252 |
| Memoranda: | ||
| Average total assets | $367,422,330 | 1,779 |
| Average earning assets | $332,277,000 | 1,796 |
| Average equity | $34,189,000 | 1,950 |
| Average total loans | $165,445,000 | 2,464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 4,401 |
| Cost of funding earning assets | 1.7711% | 419 |
| Net interest margin | 2.9526% | 6,673 |
| Noninterest income to average assets | 0.8877% | 1,702 |
| Noninterest expense to average assets | 2.0388% | 6,758 |
| Loan and lease loss provision to assets | 0.2077% | 3,563 |
| Net operating income to assets | 1.1599% | 1,627 |
| Return on assets (ROA) | 1.1599% | 1,680 |
| Pretax return on assets | 1.3129% | 2,004 |
| Return on Equity (ROE) | 12.5360% | 1,317 |
| Retained earnings to average equity (ytd only) | 5.1396% | 3,096 |
| Net charge-offs to loans | 0.4604% | 2,313 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.3211% | 1,964 |
| Efficiency ratio | 57.2789% | 6,351 |
| Assets per employee ($millions) | 4.2797% | 3,280 |
| Cash dividends to net income (ytd only)* | 59.0009% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 6,967 |
| Loan loss allowance to noncurrent loans | 325.0000% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 6,437 |
| Noncurrent loans to loans | 0.2379% | 6,509 |
| Net loans and leases to total assets | 43.4641% | 6,512 |
| Net loans and leases to deposits | 50.9757% | 6,547 |
| Net loans and leases to core deposits | 59.9228% | 6,096 |
| Total domestic deposits to total assets | 85.2644% | 3,909 |
| Equity capital to assets | 9.1516% | 4,957 |
| Core capital (leverage) ratio | 9.0604% | 4,508 |
| Tier 1 risk-based capital ratio | 17.8462% | 2,166 |
| Total risk-based capital ratio | 18.5300% | 2,356 |
| Memoranda: | ||
| Average total assets | $365,902,500 | 1,800 |
| Average earning assets | $331,098,000 | 1,813 |
| Average equity | $33,854,500 | 1,950 |
| Average total loans | $165,085,000 | 2,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 4,690 |
| Cost of funding earning assets | 2.0447% | 513 |
| Net interest margin | 2.9260% | 6,859 |
| Noninterest income to average assets | 0.9277% | 1,749 |
| Noninterest expense to average assets | 2.1451% | 6,742 |
| Loan and lease loss provision to assets | 0.2071% | 5,177 |
| Net operating income to assets | 0.9659% | 2,146 |
| Return on assets (ROA) | 0.9659% | 2,265 |
| Pretax return on assets | 1.2174% | 2,170 |
| Return on Equity (ROE) | 10.0592% | 1,905 |
| Retained earnings to average equity (ytd only) | 1.6657% | 4,683 |
| Net charge-offs to loans | 0.5534% | 3,404 |
| Credit loss provision to net charge-offs | 77.8959% | 5,638 |
| Earnings coverage of net charge-offs (x) | 5.3571% | 2,648 |
| Efficiency ratio | 60.0934% | 6,028 |
| Assets per employee ($millions) | 4.0849% | 3,607 |
| Cash dividends to net income (ytd only)* | 83.4406% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 7,053 |
| Loan loss allowance to noncurrent loans | 284.0090% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 6,408 |
| Noncurrent loans to loans | 0.2657% | 6,528 |
| Net loans and leases to total assets | 46.1278% | 6,547 |
| Net loans and leases to deposits | 54.3128% | 6,586 |
| Net loans and leases to core deposits | 62.8432% | 6,167 |
| Total domestic deposits to total assets | 84.9300% | 3,892 |
| Equity capital to assets | 9.3567% | 4,607 |
| Core capital (leverage) ratio | 9.1774% | 4,213 |
| Tier 1 risk-based capital ratio | 17.6133% | 2,125 |
| Total risk-based capital ratio | 18.2972% | 2,296 |
| Memoranda: | ||
| Average total assets | $353,869,400 | 1,845 |
| Average earning assets | $319,515,000 | 1,862 |
| Average equity | $33,979,000 | 1,945 |
| Average total loans | $170,031,800 | 2,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 4,593 |
| Cost of funding earning assets | 2.0895% | 560 |
| Net interest margin | 2.9596% | 6,914 |
| Noninterest income to average assets | 0.9442% | 1,634 |
| Noninterest expense to average assets | 2.0446% | 6,971 |
| Loan and lease loss provision to assets | 0.2065% | 4,993 |
| Net operating income to assets | 1.0603% | 2,037 |
| Return on assets (ROA) | 1.0603% | 2,145 |
| Pretax return on assets | 1.3614% | 2,003 |
| Return on Equity (ROE) | 10.9709% | 1,794 |
| Retained earnings to average equity (ytd only) | 4.4385% | 3,376 |
| Net charge-offs to loans | 0.4638% | 3,435 |
| Credit loss provision to net charge-offs | 91.9192% | 4,693 |
| Earnings coverage of net charge-offs (x) | 6.9781% | 2,408 |
| Efficiency ratio | 56.5969% | 6,472 |
| Assets per employee ($millions) | 4.5703% | 2,791 |
| Cash dividends to net income (ytd only)* | 59.5434% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,871 |
| Loan loss allowance to noncurrent loans | 265.6075% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 6,607 |
| Noncurrent loans to loans | 0.3232% | 6,548 |
| Net loans and leases to total assets | 46.0340% | 6,690 |
| Net loans and leases to deposits | 54.4861% | 6,730 |
| Net loans and leases to core deposits | 62.8746% | 6,386 |
| Total domestic deposits to total assets | 84.4877% | 3,873 |
| Equity capital to assets | 9.7614% | 4,461 |
| Core capital (leverage) ratio | 9.3324% | 4,159 |
| Tier 1 risk-based capital ratio | 18.1229% | 1,992 |
| Total risk-based capital ratio | 18.9019% | 2,096 |
| Memoranda: | ||
| Average total assets | $352,468,000 | 1,880 |
| Average earning assets | $317,778,250 | 1,900 |
| Average equity | $34,065,000 | 1,964 |
| Average total loans | $170,770,000 | 2,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 4,343 |
| Cost of funding earning assets | 2.1200% | 615 |
| Net interest margin | 3.0007% | 6,823 |
| Noninterest income to average assets | 0.9267% | 1,596 |
| Noninterest expense to average assets | 2.0226% | 7,067 |
| Loan and lease loss provision to assets | 0.2062% | 4,813 |
| Net operating income to assets | 1.1363% | 1,735 |
| Return on assets (ROA) | 1.1363% | 1,802 |
| Pretax return on assets | 1.4052% | 1,827 |
| Return on Equity (ROE) | 11.7975% | 1,500 |
| Retained earnings to average equity (ytd only) | 5.6297% | 2,541 |
| Net charge-offs to loans | 0.6167% | 2,681 |
| Credit loss provision to net charge-offs | 68.0451% | 5,017 |
| Earnings coverage of net charge-offs (x) | 5.3177% | 2,701 |
| Efficiency ratio | 55.6583% | 6,680 |
| Assets per employee ($millions) | 4.4177% | 3,024 |
| Cash dividends to net income (ytd only)* | 52.2807% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 7,087 |
| Loan loss allowance to noncurrent loans | 590.4545% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 6,841 |
| Noncurrent loans to loans | 0.1313% | 7,003 |
| Net loans and leases to total assets | 46.4717% | 6,747 |
| Net loans and leases to deposits | 54.9303% | 6,797 |
| Net loans and leases to core deposits | 63.7197% | 6,422 |
| Total domestic deposits to total assets | 84.6011% | 3,819 |
| Equity capital to assets | 9.6601% | 4,453 |
| Core capital (leverage) ratio | 9.3129% | 4,089 |
| Tier 1 risk-based capital ratio | 18.0122% | 1,957 |
| Total risk-based capital ratio | 18.7241% | 2,073 |
| Memoranda: | ||
| Average total assets | $351,129,330 | 1,905 |
| Average earning assets | $316,788,330 | 1,918 |
| Average equity | $33,820,670 | 1,974 |
| Average total loans | $172,518,330 | 2,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 4,728 |
| Cost of funding earning assets | 2.1479% | 691 |
| Net interest margin | 2.9133% | 6,999 |
| Noninterest income to average assets | 0.9569% | 1,427 |
| Noninterest expense to average assets | 2.1140% | 6,898 |
| Loan and lease loss provision to assets | 0.2070% | 4,430 |
| Net operating income to assets | 1.0397% | 2,033 |
| Return on assets (ROA) | 1.0397% | 2,095 |
| Pretax return on assets | 1.2755% | 2,119 |
| Return on Equity (ROE) | 10.8110% | 1,832 |
| Retained earnings to average equity (ytd only) | 3.3246% | 4,158 |
| Net charge-offs to loans | 1.1841% | 1,436 |
| Credit loss provision to net charge-offs | 34.7490% | 4,744 |
| Earnings coverage of net charge-offs (x) | 2.4884% | 3,296 |
| Efficiency ratio | 58.7784% | 6,367 |
| Assets per employee ($millions) | 4.6012% | 2,796 |
| Cash dividends to net income (ytd only)* | 69.2478% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6555% | 7,422 |
| Loan loss allowance to noncurrent loans | 82.6150% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 6,489 |
| Noncurrent loans to loans | 0.7934% | 5,732 |
| Net loans and leases to total assets | 48.3821% | 6,631 |
| Net loans and leases to deposits | 57.2035% | 6,683 |
| Net loans and leases to core deposits | 65.7201% | 6,310 |
| Total domestic deposits to total assets | 84.5789% | 3,859 |
| Equity capital to assets | 9.4964% | 4,540 |
| Core capital (leverage) ratio | 9.2873% | 4,076 |
| Tier 1 risk-based capital ratio | 17.5591% | 2,058 |
| Total risk-based capital ratio | 18.1761% | 2,240 |
| Memoranda: | ||
| Average total assets | $347,778,500 | 1,963 |
| Average earning assets | $315,101,500 | 1,981 |
| Average equity | $33,447,500 | 2,007 |
| Average total loans | $174,983,000 | 2,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 5,598 |
| Cost of funding earning assets | 2.3997% | 1,303 |
| Net interest margin | 2.8119% | 7,041 |
| Noninterest income to average assets | 1.0057% | 1,551 |
| Noninterest expense to average assets | 2.2646% | 6,837 |
| Loan and lease loss provision to assets | 0.1102% | 6,543 |
| Net operating income to assets | 0.9541% | 1,993 |
| Return on assets (ROA) | 0.9541% | 2,050 |
| Pretax return on assets | 1.1779% | 2,010 |
| Return on Equity (ROE) | 9.6375% | 1,800 |
| Retained earnings to average equity (ytd only) | 3.4840% | 2,730 |
| Net charge-offs to loans | 0.2698% | 4,932 |
| Credit loss provision to net charge-offs | 80.3965% | 6,271 |
| Earnings coverage of net charge-offs (x) | 9.3943% | 1,811 |
| Efficiency ratio | 63.5467% | 5,858 |
| Assets per employee ($millions) | 4.3198% | 3,240 |
| Cash dividends to net income (ytd only)* | 63.8493% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 7,053 |
| Loan loss allowance to noncurrent loans | 95.8877% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,333 |
| Noncurrent loans to loans | 0.8635% | 5,571 |
| Net loans and leases to total assets | 51.5588% | 6,477 |
| Net loans and leases to deposits | 61.3626% | 6,529 |
| Net loans and leases to core deposits | 84.4826% | 5,673 |
| Total domestic deposits to total assets | 84.0232% | 4,015 |
| Equity capital to assets | 9.7432% | 4,084 |
| Core capital (leverage) ratio | 9.5673% | 3,642 |
| Tier 1 risk-based capital ratio | 17.3012% | 2,080 |
| Total risk-based capital ratio | 18.0975% | 2,164 |
| Memoranda: | ||
| Average total assets | $331,100,000 | 2,046 |
| Average earning assets | $299,908,600 | 2,072 |
| Average equity | $32,778,200 | 2,040 |
| Average total loans | $168,273,800 | 2,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 5,615 |
| Cost of funding earning assets | 2.4486% | 1,453 |
| Net interest margin | 2.8145% | 7,029 |
| Noninterest income to average assets | 1.0096% | 1,571 |
| Noninterest expense to average assets | 2.2522% | 6,833 |
| Loan and lease loss provision to assets | 0.1108% | 6,262 |
| Net operating income to assets | 0.9820% | 2,119 |
| Return on assets (ROA) | 0.9820% | 2,181 |
| Pretax return on assets | 1.1906% | 2,296 |
| Return on Equity (ROE) | 9.8793% | 1,963 |
| Retained earnings to average equity (ytd only) | 4.2007% | 2,930 |
| Net charge-offs to loans | 0.3173% | 4,055 |
| Credit loss provision to net charge-offs | 69.1139% | 5,998 |
| Earnings coverage of net charge-offs (x) | 8.1190% | 2,304 |
| Efficiency ratio | 63.1152% | 5,906 |
| Assets per employee ($millions) | 4.3398% | 3,138 |
| Cash dividends to net income (ytd only)* | 57.4793% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 6,970 |
| Loan loss allowance to noncurrent loans | 117.0334% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 6,562 |
| Noncurrent loans to loans | 0.7224% | 5,862 |
| Net loans and leases to total assets | 50.4012% | 6,748 |
| Net loans and leases to deposits | 60.5454% | 6,786 |
| Net loans and leases to core deposits | 83.2510% | 6,100 |
| Total domestic deposits to total assets | 83.2452% | 4,087 |
| Equity capital to assets | 10.0775% | 3,985 |
| Core capital (leverage) ratio | 9.5401% | 3,857 |
| Tier 1 risk-based capital ratio | 17.6679% | 2,081 |
| Total risk-based capital ratio | 18.4659% | 2,153 |
| Memoranda: | ||
| Average total assets | $328,559,250 | 2,078 |
| Average earning assets | $296,982,750 | 2,111 |
| Average equity | $32,660,250 | 2,071 |
| Average total loans | $165,987,250 | 2,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 5,849 |
| Cost of funding earning assets | 2.4830% | 1,672 |
| Net interest margin | 2.7705% | 7,069 |
| Noninterest income to average assets | 0.9863% | 1,642 |
| Noninterest expense to average assets | 2.1831% | 7,098 |
| Loan and lease loss provision to assets | 0.1108% | 6,042 |
| Net operating income to assets | 1.0089% | 2,074 |
| Return on assets (ROA) | 1.0089% | 2,169 |
| Pretax return on assets | 1.2054% | 2,289 |
| Return on Equity (ROE) | 10.1974% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.1705% | 2,976 |
| Net charge-offs to loans | 0.4687% | 2,957 |
| Credit loss provision to net charge-offs | 46.8912% | 5,805 |
| Earnings coverage of net charge-offs (x) | 5.5699% | 2,807 |
| Efficiency ratio | 62.1239% | 6,231 |
| Assets per employee ($millions) | 4.1802% | 3,328 |
| Cash dividends to net income (ytd only)* | 59.1019% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 7,127 |
| Loan loss allowance to noncurrent loans | 105.7031% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 6,490 |
| Noncurrent loans to loans | 0.7646% | 5,712 |
| Net loans and leases to total assets | 50.2812% | 6,844 |
| Net loans and leases to deposits | 60.4686% | 6,852 |
| Net loans and leases to core deposits | 82.5050% | 6,199 |
| Total domestic deposits to total assets | 83.1525% | 4,169 |
| Equity capital to assets | 9.8801% | 4,106 |
| Core capital (leverage) ratio | 9.5371% | 3,830 |
| Tier 1 risk-based capital ratio | 17.6774% | 2,095 |
| Total risk-based capital ratio | 18.4383% | 2,182 |
| Memoranda: | ||
| Average total assets | $326,692,000 | 2,114 |
| Average earning assets | $296,338,000 | 2,139 |
| Average equity | $32,322,000 | 2,100 |
| Average total loans | $164,697,330 | 2,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 5,605 |
| Cost of funding earning assets | 2.5616% | 1,690 |
| Net interest margin | 2.8005% | 6,990 |
| Noninterest income to average assets | 1.0009% | 1,483 |
| Noninterest expense to average assets | 2.1987% | 6,868 |
| Loan and lease loss provision to assets | 0.1108% | 5,545 |
| Net operating income to assets | 0.9578% | 2,487 |
| Return on assets (ROA) | 0.9578% | 2,616 |
| Pretax return on assets | 1.2175% | 2,561 |
| Return on Equity (ROE) | 9.6739% | 2,461 |
| Retained earnings to average equity (ytd only) | 1.8900% | 4,803 |
| Net charge-offs to loans | -0.0931% | 7,860 |
| Credit loss provision to net charge-offs | -236.8421% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0593% | 6,036 |
| Assets per employee ($millions) | 4.5147% | 2,694 |
| Cash dividends to net income (ytd only)* | 80.4627% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,955 |
| Loan loss allowance to noncurrent loans | 98.5389% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 5,919 |
| Noncurrent loans to loans | 1.0436% | 4,899 |
| Net loans and leases to total assets | 49.2336% | 6,927 |
| Net loans and leases to deposits | 59.1279% | 6,963 |
| Net loans and leases to core deposits | 79.9740% | 6,384 |
| Total domestic deposits to total assets | 83.2662% | 4,011 |
| Equity capital to assets | 9.7976% | 4,243 |
| Core capital (leverage) ratio | 9.4577% | 4,040 |
| Tier 1 risk-based capital ratio | 17.5860% | 2,159 |
| Total risk-based capital ratio | 18.5454% | 2,192 |
| Memoranda: | ||
| Average total assets | $324,918,500 | 2,138 |
| Average earning assets | $293,094,000 | 2,167 |
| Average equity | $32,169,000 | 2,102 |
| Average total loans | $163,345,500 | 2,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 5,969 |
| Cost of funding earning assets | 2.8207% | 2,624 |
| Net interest margin | 3.0929% | 6,668 |
| Noninterest income to average assets | 1.0808% | 1,350 |
| Noninterest expense to average assets | 2.3668% | 6,513 |
| Loan and lease loss provision to assets | 0.1459% | 5,494 |
| Net operating income to assets | 1.1115% | 2,098 |
| Return on assets (ROA) | 1.1115% | 2,016 |
| Pretax return on assets | 1.4101% | 1,941 |
| Return on Equity (ROE) | 11.4983% | 1,754 |
| Retained earnings to average equity (ytd only) | 4.3368% | 2,422 |
| Net charge-offs to loans | -0.0170% | 7,910 |
| Credit loss provision to net charge-offs | -1,737.0370% | 7,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0254% | 6,334 |
| Assets per employee ($millions) | 4.1060% | 3,296 |
| Cash dividends to net income (ytd only)* | 62.2832% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,362 |
| Loan loss allowance to noncurrent loans | 161.9543% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 6,383 |
| Noncurrent loans to loans | 0.5911% | 5,607 |
| Net loans and leases to total assets | 50.3293% | 7,001 |
| Net loans and leases to deposits | 61.0270% | 7,013 |
| Net loans and leases to core deposits | 82.2924% | 6,434 |
| Total domestic deposits to total assets | 82.4705% | 4,008 |
| Equity capital to assets | 10.0067% | 4,030 |
| Core capital (leverage) ratio | 9.5644% | 3,921 |
| Tier 1 risk-based capital ratio | 17.7940% | 2,089 |
| Total risk-based capital ratio | 18.6958% | 2,138 |
| Memoranda: | ||
| Average total assets | $321,535,800 | 2,076 |
| Average earning assets | $295,453,800 | 2,071 |
| Average equity | $31,082,800 | 2,164 |
| Average total loans | $158,369,200 | 2,795 |