Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 3,184 |
| Cost of funding earning assets | 0.8649% | 4,092 |
| Net interest margin | 4.0888% | 1,126 |
| Noninterest income to average assets | 0.7600% | 885 |
| Noninterest expense to average assets | 2.8546% | 1,401 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.5655% | 967 |
| Return on assets (ROA) | 1.5655% | 961 |
| Pretax return on assets | 1.6381% | 1,223 |
| Return on Equity (ROE) | 16.6000% | 806 |
| Retained earnings to average equity (ytd only) | 16.6050% | 297 |
| Net charge-offs to loans | -0.0113% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.5663% | 2,654 |
| Assets per employee ($millions) | 5.5866% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,378 |
| Loan loss allowance to noncurrent loans | 1,985.8108% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,460 |
| Noncurrent loans to loans | 0.0587% | 3,388 |
| Net loans and leases to total assets | 57.2000% | 3,113 |
| Net loans and leases to deposits | 63.7170% | 3,280 |
| Net loans and leases to core deposits | 65.6595% | 3,484 |
| Total domestic deposits to total assets | 89.7700% | 895 |
| Equity capital to assets | 9.5833% | 2,509 |
| Core capital (leverage) ratio | 12.0499% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5521% | 816 |
| Memoranda: | ||
| Average total assets | $429,762,500 | 1,984 |
| Average earning assets | $400,024,000 | 1,979 |
| Average equity | $40,518,000 | 2,014 |
| Average total loans | $248,751,500 | 2,124 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 3,271 |
| Cost of funding earning assets | 0.8325% | 4,154 |
| Net interest margin | 4.0616% | 1,103 |
| Noninterest income to average assets | 0.8500% | 827 |
| Noninterest expense to average assets | 2.8425% | 1,425 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.6805% | 681 |
| Return on assets (ROA) | 1.6249% | 743 |
| Pretax return on assets | 1.6942% | 982 |
| Return on Equity (ROE) | 17.2800% | 641 |
| Retained earnings to average equity (ytd only) | 10.5000% | 506 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 60.9007% | 3,064 |
| Assets per employee ($millions) | 5.5035% | 3,290 |
| Cash dividends to net income (ytd only)* | 39.2399% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,347 |
| Loan loss allowance to noncurrent loans | 2,915.3061% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,548 |
| Noncurrent loans to loans | 0.0399% | 3,465 |
| Net loans and leases to total assets | 57.2100% | 3,175 |
| Net loans and leases to deposits | 63.4657% | 3,366 |
| Net loans and leases to core deposits | 65.4241% | 3,559 |
| Total domestic deposits to total assets | 90.1500% | 777 |
| Equity capital to assets | 9.2683% | 2,621 |
| Core capital (leverage) ratio | 11.7571% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5971% | 810 |
| Memoranda: | ||
| Average total assets | $412,939,600 | 2,004 |
| Average earning assets | $387,995,800 | 1,988 |
| Average equity | $38,828,600 | 2,021 |
| Average total loans | $223,835,800 | 2,213 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 3,308 |
| Cost of funding earning assets | 0.8142% | 4,189 |
| Net interest margin | 4.0265% | 1,105 |
| Noninterest income to average assets | 0.9000% | 727 |
| Noninterest expense to average assets | 2.8770% | 1,304 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.6751% | 726 |
| Return on assets (ROA) | 1.5968% | 816 |
| Pretax return on assets | 1.6680% | 1,065 |
| Return on Equity (ROE) | 16.9200% | 694 |
| Retained earnings to average equity (ytd only) | 16.9190% | 174 |
| Net charge-offs to loans | -0.0018% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.3232% | 3,024 |
| Assets per employee ($millions) | 5.4030% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,110 |
| Loan loss allowance to noncurrent loans | 2,815.3061% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,591 |
| Noncurrent loans to loans | 0.0433% | 3,493 |
| Net loans and leases to total assets | 53.6900% | 3,430 |
| Net loans and leases to deposits | 60.4920% | 3,568 |
| Net loans and leases to core deposits | 62.5482% | 3,695 |
| Total domestic deposits to total assets | 88.7600% | 988 |
| Equity capital to assets | 10.4295% | 2,022 |
| Core capital (leverage) ratio | 12.1105% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4896% | 727 |
| Memoranda: | ||
| Average total assets | $410,232,500 | 2,006 |
| Average earning assets | $385,970,000 | 1,995 |
| Average equity | $38,716,750 | 2,031 |
| Average total loans | $218,466,750 | 2,244 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 3,418 |
| Cost of funding earning assets | 0.7775% | 4,201 |
| Net interest margin | 3.9467% | 1,188 |
| Noninterest income to average assets | 1.0000% | 590 |
| Noninterest expense to average assets | 2.9229% | 1,212 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.6659% | 722 |
| Return on assets (ROA) | 1.5479% | 853 |
| Pretax return on assets | 1.6155% | 1,107 |
| Return on Equity (ROE) | 17.0100% | 715 |
| Retained earnings to average equity (ytd only) | 17.0080% | 200 |
| Net charge-offs to loans | -0.0028% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 62.0528% | 2,993 |
| Assets per employee ($millions) | 5.1877% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,185 |
| Loan loss allowance to noncurrent loans | 1,519.4286% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 3,391 |
| Noncurrent loans to loans | 0.0798% | 3,265 |
| Net loans and leases to total assets | 52.2100% | 3,531 |
| Net loans and leases to deposits | 58.0431% | 3,664 |
| Net loans and leases to core deposits | 59.7079% | 3,773 |
| Total domestic deposits to total assets | 89.9500% | 716 |
| Equity capital to assets | 9.3492% | 2,495 |
| Core capital (leverage) ratio | 11.8589% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7636% | 813 |
| Memoranda: | ||
| Average total assets | $408,299,333 | 2,013 |
| Average earning assets | $383,813,333 | 2,003 |
| Average equity | $37,159,000 | 2,056 |
| Average total loans | $215,910,333 | 2,245 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 3,415 |
| Cost of funding earning assets | 0.7626% | 4,204 |
| Net interest margin | 3.8993% | 1,226 |
| Noninterest income to average assets | 0.8500% | 733 |
| Noninterest expense to average assets | 2.9841% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4649% | 953 |
| Return on assets (ROA) | 1.4649% | 963 |
| Pretax return on assets | 1.5242% | 1,213 |
| Return on Equity (ROE) | 16.3200% | 799 |
| Retained earnings to average equity (ytd only) | 16.3245% | 343 |
| Net charge-offs to loans | 0.0093% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 308.6000% | 298 |
| Efficiency ratio | 66.1919% | 2,584 |
| Assets per employee ($millions) | 5.1518% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,392 |
| Loan loss allowance to noncurrent loans | 1,417.2222% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 3,384 |
| Noncurrent loans to loans | 0.0832% | 3,203 |
| Net loans and leases to total assets | 52.5600% | 3,454 |
| Net loans and leases to deposits | 58.2185% | 3,613 |
| Net loans and leases to core deposits | 60.0112% | 3,769 |
| Total domestic deposits to total assets | 90.2800% | 705 |
| Equity capital to assets | 9.0505% | 2,648 |
| Core capital (leverage) ratio | 11.6446% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2576% | 887 |
| Memoranda: | ||
| Average total assets | $404,939,500 | 2,029 |
| Average earning assets | $380,270,000 | 2,019 |
| Average equity | $36,338,000 | 2,087 |
| Average total loans | $214,194,000 | 2,250 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 3,377 |
| Cost of funding earning assets | 0.4098% | 4,280 |
| Net interest margin | 3.9285% | 1,316 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.7844% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5542% | 930 |
| Return on assets (ROA) | 1.5504% | 905 |
| Pretax return on assets | 1.6197% | 1,197 |
| Return on Equity (ROE) | 19.3300% | 680 |
| Retained earnings to average equity (ytd only) | 12.0200% | 628 |
| Net charge-offs to loans | -0.3431% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.1659% | 2,710 |
| Assets per employee ($millions) | 4.9739% | 3,659 |
| Cash dividends to net income (ytd only)* | 37.8072% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,263 |
| Loan loss allowance to noncurrent loans | 458.0645% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,598 |
| Noncurrent loans to loans | 0.2633% | 2,241 |
| Net loans and leases to total assets | 51.9700% | 3,477 |
| Net loans and leases to deposits | 57.3894% | 3,652 |
| Net loans and leases to core deposits | 59.0318% | 3,799 |
| Total domestic deposits to total assets | 90.5500% | 616 |
| Equity capital to assets | 8.8960% | 2,747 |
| Core capital (leverage) ratio | 11.1832% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1323% | 893 |
| Memoranda: | ||
| Average total assets | $404,141,200 | 1,998 |
| Average earning assets | $378,463,400 | 1,980 |
| Average equity | $32,421,000 | 2,167 |
| Average total loans | $200,542,000 | 2,285 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 3,371 |
| Cost of funding earning assets | 0.3164% | 4,344 |
| Net interest margin | 3.9367% | 1,329 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.6916% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6520% | 858 |
| Return on assets (ROA) | 1.6469% | 860 |
| Pretax return on assets | 1.7191% | 1,134 |
| Return on Equity (ROE) | 21.1000% | 628 |
| Retained earnings to average equity (ytd only) | 21.1023% | 226 |
| Net charge-offs to loans | -0.4626% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9510% | 2,847 |
| Assets per employee ($millions) | 4.9371% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,205 |
| Loan loss allowance to noncurrent loans | 446.5035% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,616 |
| Noncurrent loans to loans | 0.2759% | 2,250 |
| Net loans and leases to total assets | 51.2000% | 3,545 |
| Net loans and leases to deposits | 56.0870% | 3,707 |
| Net loans and leases to core deposits | 57.5433% | 3,796 |
| Total domestic deposits to total assets | 91.2800% | 602 |
| Equity capital to assets | 8.0919% | 2,990 |
| Core capital (leverage) ratio | 11.5217% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8052% | 839 |
| Memoranda: | ||
| Average total assets | $404,454,750 | 1,999 |
| Average earning assets | $378,413,000 | 1,982 |
| Average equity | $31,566,000 | 2,185 |
| Average total loans | $197,696,750 | 2,305 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 3,344 |
| Cost of funding earning assets | 0.2161% | 4,416 |
| Net interest margin | 3.9622% | 1,310 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.6504% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7370% | 728 |
| Return on assets (ROA) | 1.7361% | 736 |
| Pretax return on assets | 1.8110% | 993 |
| Return on Equity (ROE) | 22.5200% | 510 |
| Retained earnings to average equity (ytd only) | 22.5166% | 170 |
| Net charge-offs to loans | -0.7085% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.3950% | 3,033 |
| Assets per employee ($millions) | 5.1333% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,066 |
| Loan loss allowance to noncurrent loans | 622.1411% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 2,824 |
| Noncurrent loans to loans | 0.2042% | 2,444 |
| Net loans and leases to total assets | 49.0000% | 3,625 |
| Net loans and leases to deposits | 53.7033% | 3,764 |
| Net loans and leases to core deposits | 55.1563% | 3,840 |
| Total domestic deposits to total assets | 91.2400% | 573 |
| Equity capital to assets | 8.2303% | 3,066 |
| Core capital (leverage) ratio | 11.0836% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4427% | 894 |
| Memoranda: | ||
| Average total assets | $405,971,000 | 1,994 |
| Average earning assets | $379,535,667 | 1,982 |
| Average equity | $31,301,333 | 2,208 |
| Average total loans | $194,495,667 | 2,321 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,384 |
| Cost of funding earning assets | 0.1203% | 4,509 |
| Net interest margin | 3.9157% | 1,446 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.5879% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7626% | 726 |
| Return on assets (ROA) | 1.7607% | 724 |
| Pretax return on assets | 1.8395% | 1,005 |
| Return on Equity (ROE) | 23.6300% | 469 |
| Retained earnings to average equity (ytd only) | 23.6320% | 215 |
| Net charge-offs to loans | -1.4254% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4260% | 3,142 |
| Assets per employee ($millions) | 5.2550% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 1,856 |
| Loan loss allowance to noncurrent loans | 712.0548% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 2,924 |
| Noncurrent loans to loans | 0.1882% | 2,534 |
| Net loans and leases to total assets | 46.6900% | 3,736 |
| Net loans and leases to deposits | 50.8425% | 3,851 |
| Net loans and leases to core deposits | 51.8765% | 3,921 |
| Total domestic deposits to total assets | 91.8300% | 556 |
| Equity capital to assets | 7.7533% | 3,411 |
| Core capital (leverage) ratio | 10.7684% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1529% | 970 |
| Memoranda: | ||
| Average total assets | $406,192,500 | 2,023 |
| Average earning assets | $379,195,500 | 2,001 |
| Average equity | $30,264,000 | 2,281 |
| Average total loans | $191,109,000 | 2,366 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 3,603 |
| Cost of funding earning assets | 0.0500% | 4,575 |
| Net interest margin | 3.2414% | 2,733 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.4598% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3428% | 1,303 |
| Return on assets (ROA) | 1.3370% | 1,280 |
| Pretax return on assets | 1.3988% | 1,772 |
| Return on Equity (ROE) | 16.7200% | 916 |
| Retained earnings to average equity (ytd only) | 11.6640% | 741 |
| Net charge-offs to loans | -0.0420% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6473% | 2,545 |
| Assets per employee ($millions) | 5.2272% | 3,490 |
| Cash dividends to net income (ytd only)* | 30.2296% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,537 |
| Loan loss allowance to noncurrent loans | 811.0701% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,125 |
| Noncurrent loans to loans | 0.1440% | 2,793 |
| Net loans and leases to total assets | 46.2300% | 3,791 |
| Net loans and leases to deposits | 50.0161% | 3,896 |
| Net loans and leases to core deposits | 50.5531% | 3,960 |
| Total domestic deposits to total assets | 92.4200% | 540 |
| Equity capital to assets | 7.1424% | 3,589 |
| Core capital (leverage) ratio | 10.1116% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2514% | 1,091 |
| Memoranda: | ||
| Average total assets | $410,481,400 | 1,986 |
| Average earning assets | $383,666,200 | 1,973 |
| Average equity | $32,827,600 | 2,205 |
| Average total loans | $183,496,400 | 2,346 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 3,762 |
| Cost of funding earning assets | 0.0522% | 4,571 |
| Net interest margin | 3.0099% | 3,196 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.3603% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2713% | 1,453 |
| Return on assets (ROA) | 1.2636% | 1,442 |
| Pretax return on assets | 1.3182% | 1,986 |
| Return on Equity (ROE) | 15.4000% | 1,099 |
| Retained earnings to average equity (ytd only) | 15.3981% | 333 |
| Net charge-offs to loans | -0.2004% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0246% | 2,550 |
| Assets per employee ($millions) | 5.1821% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,067 |
| Loan loss allowance to noncurrent loans | 2,177.2727% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,669 |
| Noncurrent loans to loans | 0.0594% | 3,455 |
| Net loans and leases to total assets | 44.1200% | 3,871 |
| Net loans and leases to deposits | 47.5079% | 3,970 |
| Net loans and leases to core deposits | 48.0877% | 4,027 |
| Total domestic deposits to total assets | 92.8700% | 615 |
| Equity capital to assets | 6.7426% | 3,642 |
| Core capital (leverage) ratio | 10.0714% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2931% | 1,124 |
| Memoranda: | ||
| Average total assets | $412,477,500 | 1,995 |
| Average earning assets | $385,601,500 | 1,982 |
| Average equity | $33,847,500 | 2,195 |
| Average total loans | $182,306,000 | 2,359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8862% | 3,818 |
| Cost of funding earning assets | 0.0556% | 4,563 |
| Net interest margin | 2.8306% | 3,348 |
| Noninterest income to average assets | 0.9971% | 675 |
| Noninterest expense to average assets | 2.3367% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2521% | 1,272 |
| Return on assets (ROA) | 1.2512% | 1,260 |
| Pretax return on assets | 1.3051% | 1,730 |
| Return on Equity (ROE) | 14.3861% | 1,019 |
| Retained earnings to average equity (ytd only) | 14.3861% | 323 |
| Net charge-offs to loans | -0.1765% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1467% | 2,750 |
| Assets per employee ($millions) | 5.4647% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,366 |
| Loan loss allowance to noncurrent loans | 2,000.8772% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,709 |
| Noncurrent loans to loans | 0.0631% | 3,486 |
| Net loans and leases to total assets | 42.9229% | 3,909 |
| Net loans and leases to deposits | 46.3744% | 4,011 |
| Net loans and leases to core deposits | 47.1758% | 4,071 |
| Total domestic deposits to total assets | 92.5574% | 632 |
| Equity capital to assets | 7.0905% | 3,718 |
| Core capital (leverage) ratio | 9.7573% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1981% | 1,147 |
| Memoranda: | ||
| Average total assets | $411,780,000 | 2,001 |
| Average earning assets | $384,871,333 | 2,006 |
| Average equity | $35,812,333 | 2,168 |
| Average total loans | $181,307,333 | 2,375 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7871% | 3,768 |
| Cost of funding earning assets | 0.0586% | 4,535 |
| Net interest margin | 2.7286% | 3,345 |
| Noninterest income to average assets | 1.2790% | 436 |
| Noninterest expense to average assets | 2.2848% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4761% | 668 |
| Return on assets (ROA) | 1.4761% | 659 |
| Pretax return on assets | 1.5395% | 935 |
| Return on Equity (ROE) | 15.5201% | 582 |
| Retained earnings to average equity (ytd only) | 15.5201% | 258 |
| Net charge-offs to loans | -0.0374% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7449% | 3,511 |
| Assets per employee ($millions) | 5.2105% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,004 |
| Loan loss allowance to noncurrent loans | 1,827.3504% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,761 |
| Noncurrent loans to loans | 0.0641% | 3,530 |
| Net loans and leases to total assets | 43.8385% | 3,749 |
| Net loans and leases to deposits | 48.2965% | 3,851 |
| Net loans and leases to core deposits | 49.2769% | 3,906 |
| Total domestic deposits to total assets | 90.7696% | 1,152 |
| Equity capital to assets | 8.6699% | 3,007 |
| Core capital (leverage) ratio | 9.8524% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8478% | 1,300 |
| Memoranda: | ||
| Average total assets | $410,013,000 | 2,021 |
| Average earning assets | $382,472,500 | 2,018 |
| Average equity | $38,994,500 | 2,095 |
| Average total loans | $181,688,000 | 2,365 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0197% | 3,837 |
| Cost of funding earning assets | 0.1517% | 3,953 |
| Net interest margin | 2.8680% | 3,516 |
| Noninterest income to average assets | 0.8298% | 1,378 |
| Noninterest expense to average assets | 2.4397% | 2,366 |
| Loan and lease loss provision to assets | 0.0076% | 2,935 |
| Net operating income to assets | 1.0285% | 2,566 |
| Return on assets (ROA) | 1.0254% | 2,646 |
| Pretax return on assets | 1.0684% | 3,070 |
| Return on Equity (ROE) | 9.7470% | 2,622 |
| Retained earnings to average equity (ytd only) | 6.2818% | 2,237 |
| Net charge-offs to loans | -0.0152% | 3,883 |
| Credit loss provision to net charge-offs | -115.3846% | 3,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3304% | 1,817 |
| Assets per employee ($millions) | 5.5945% | 3,168 |
| Cash dividends to net income (ytd only)* | 35.5512% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,006 |
| Loan loss allowance to noncurrent loans | 1,571.1111% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,854 |
| Noncurrent loans to loans | 0.0747% | 3,560 |
| Net loans and leases to total assets | 43.7478% | 3,854 |
| Net loans and leases to deposits | 49.0717% | 3,939 |
| Net loans and leases to core deposits | 50.1031% | 4,011 |
| Total domestic deposits to total assets | 89.1509% | 1,437 |
| Equity capital to assets | 10.3579% | 2,314 |
| Core capital (leverage) ratio | 9.3093% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7840% | 1,318 |
| Memoranda: | ||
| Average total assets | $397,219,600 | 2,001 |
| Average earning assets | $372,451,000 | 1,995 |
| Average equity | $41,787,200 | 2,018 |
| Average total loans | $171,315,200 | 2,452 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 3,894 |
| Cost of funding earning assets | 0.1807% | 3,815 |
| Net interest margin | 2.8774% | 3,603 |
| Noninterest income to average assets | 0.8589% | 1,354 |
| Noninterest expense to average assets | 2.5062% | 2,100 |
| Loan and lease loss provision to assets | 0.0101% | 2,789 |
| Net operating income to assets | 1.0045% | 2,889 |
| Return on assets (ROA) | 1.0016% | 2,965 |
| Pretax return on assets | 1.0415% | 3,344 |
| Return on Equity (ROE) | 9.4832% | 2,940 |
| Retained earnings to average equity (ytd only) | 9.4832% | 1,497 |
| Net charge-offs to loans | 0.1215% | 647 |
| Credit loss provision to net charge-offs | 19.4805% | 1,993 |
| Earnings coverage of net charge-offs (x) | 20.2597% | 1,737 |
| Efficiency ratio | 70.3816% | 1,565 |
| Assets per employee ($millions) | 5.8585% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,504 |
| Loan loss allowance to noncurrent loans | 1,000.5155% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 3,025 |
| Noncurrent loans to loans | 0.1085% | 3,552 |
| Net loans and leases to total assets | 41.9199% | 4,099 |
| Net loans and leases to deposits | 47.0580% | 4,171 |
| Net loans and leases to core deposits | 48.0308% | 4,239 |
| Total domestic deposits to total assets | 89.0813% | 1,233 |
| Equity capital to assets | 10.3312% | 2,586 |
| Core capital (leverage) ratio | 9.4969% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6306% | 1,447 |
| Memoranda: | ||
| Average total assets | $394,425,750 | 2,027 |
| Average earning assets | $370,376,250 | 2,022 |
| Average equity | $41,658,750 | 2,057 |
| Average total loans | $168,947,750 | 2,511 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9674% | 4,102 |
| Cost of funding earning assets | 0.2277% | 3,488 |
| Net interest margin | 2.7397% | 3,903 |
| Noninterest income to average assets | 0.9546% | 1,150 |
| Noninterest expense to average assets | 2.5907% | 1,884 |
| Loan and lease loss provision to assets | 0.0156% | 2,639 |
| Net operating income to assets | 0.8818% | 3,270 |
| Return on assets (ROA) | 0.8798% | 3,353 |
| Pretax return on assets | 0.9136% | 3,630 |
| Return on Equity (ROE) | 8.2645% | 3,330 |
| Retained earnings to average equity (ytd only) | 8.2645% | 1,990 |
| Net charge-offs to loans | 0.1907% | 449 |
| Credit loss provision to net charge-offs | 18.9873% | 1,739 |
| Earnings coverage of net charge-offs (x) | 11.3544% | 1,766 |
| Efficiency ratio | 73.5593% | 1,283 |
| Assets per employee ($millions) | 5.9213% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 3,283 |
| Loan loss allowance to noncurrent loans | 963.6816% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 3,123 |
| Noncurrent loans to loans | 0.1174% | 3,602 |
| Net loans and leases to total assets | 41.4378% | 4,216 |
| Net loans and leases to deposits | 46.5462% | 4,290 |
| Net loans and leases to core deposits | 47.7078% | 4,338 |
| Total domestic deposits to total assets | 89.0252% | 1,274 |
| Equity capital to assets | 10.3776% | 2,512 |
| Core capital (leverage) ratio | 9.5039% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8668% | 1,674 |
| Memoranda: | ||
| Average total assets | $385,298,000 | 2,055 |
| Average earning assets | $361,056,000 | 2,052 |
| Average equity | $41,019,000 | 2,061 |
| Average total loans | $165,676,000 | 2,547 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1350% | 3,813 |
| Cost of funding earning assets | 0.2733% | 3,238 |
| Net interest margin | 2.8618% | 3,614 |
| Noninterest income to average assets | 1.2064% | 846 |
| Noninterest expense to average assets | 2.9695% | 1,042 |
| Loan and lease loss provision to assets | 0.0321% | 2,345 |
| Net operating income to assets | 0.8478% | 3,274 |
| Return on assets (ROA) | 0.8468% | 3,359 |
| Pretax return on assets | 0.8832% | 3,641 |
| Return on Equity (ROE) | 7.8456% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.8456% | 2,300 |
| Net charge-offs to loans | 0.3683% | 231 |
| Credit loss provision to net charge-offs | 20.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.7067% | 1,672 |
| Efficiency ratio | 76.4187% | 1,096 |
| Assets per employee ($millions) | 5.4919% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,856 |
| Loan loss allowance to noncurrent loans | 445.0801% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,958 |
| Noncurrent loans to loans | 0.2730% | 3,125 |
| Net loans and leases to total assets | 39.9965% | 4,343 |
| Net loans and leases to deposits | 44.9057% | 4,396 |
| Net loans and leases to core deposits | 46.1305% | 4,433 |
| Total domestic deposits to total assets | 89.0677% | 1,306 |
| Equity capital to assets | 10.0965% | 2,617 |
| Core capital (leverage) ratio | 10.1413% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9079% | 1,320 |
| Memoranda: | ||
| Average total assets | $373,661,500 | 2,091 |
| Average earning assets | $349,855,000 | 2,079 |
| Average equity | $40,328,500 | 2,075 |
| Average total loans | $162,894,000 | 2,568 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 3,953 |
| Cost of funding earning assets | 0.5299% | 2,750 |
| Net interest margin | 3.0054% | 3,871 |
| Noninterest income to average assets | 0.7771% | 1,603 |
| Noninterest expense to average assets | 2.6994% | 2,239 |
| Loan and lease loss provision to assets | 0.1223% | 2,839 |
| Net operating income to assets | 0.6978% | 3,441 |
| Return on assets (ROA) | 0.7278% | 3,465 |
| Pretax return on assets | 0.7646% | 3,720 |
| Return on Equity (ROE) | 6.1068% | 3,545 |
| Retained earnings to average equity (ytd only) | 2.5199% | 3,586 |
| Net charge-offs to loans | 0.1848% | 916 |
| Credit loss provision to net charge-offs | 128.2958% | 2,567 |
| Earnings coverage of net charge-offs (x) | 8.9743% | 2,554 |
| Efficiency ratio | 75.9397% | 1,237 |
| Assets per employee ($millions) | 5.1001% | 3,283 |
| Cash dividends to net income (ytd only)* | 58.7368% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,712 |
| Loan loss allowance to noncurrent loans | 250.3030% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 1,763 |
| Noncurrent loans to loans | 0.4979% | 2,480 |
| Net loans and leases to total assets | 46.4968% | 4,098 |
| Net loans and leases to deposits | 53.1529% | 4,150 |
| Net loans and leases to core deposits | 55.0911% | 4,201 |
| Total domestic deposits to total assets | 87.4774% | 1,716 |
| Equity capital to assets | 11.5752% | 1,831 |
| Core capital (leverage) ratio | 10.5113% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7567% | 937 |
| Memoranda: | ||
| Average total assets | $326,325,800 | 2,154 |
| Average earning assets | $301,594,000 | 2,170 |
| Average equity | $38,890,800 | 2,059 |
| Average total loans | $168,329,600 | 2,500 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 4,175 |
| Cost of funding earning assets | 0.5821% | 2,727 |
| Net interest margin | 2.9372% | 4,112 |
| Noninterest income to average assets | 0.7722% | 1,589 |
| Noninterest expense to average assets | 2.7230% | 2,191 |
| Loan and lease loss provision to assets | 0.1538% | 2,476 |
| Net operating income to assets | 0.5782% | 3,836 |
| Return on assets (ROA) | 0.6230% | 3,802 |
| Pretax return on assets | 0.6505% | 4,007 |
| Return on Equity (ROE) | 5.1868% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.1868% | 2,479 |
| Net charge-offs to loans | 0.3314% | 472 |
| Credit loss provision to net charge-offs | 87.8571% | 2,710 |
| Earnings coverage of net charge-offs (x) | 4.3286% | 2,836 |
| Efficiency ratio | 78.2328% | 1,010 |
| Assets per employee ($millions) | 4.9417% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,413 |
| Loan loss allowance to noncurrent loans | 116.8689% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9112% | 1,257 |
| Noncurrent loans to loans | 0.9066% | 1,646 |
| Net loans and leases to total assets | 52.7462% | 3,915 |
| Net loans and leases to deposits | 60.5936% | 4,018 |
| Net loans and leases to core deposits | 62.8752% | 4,060 |
| Total domestic deposits to total assets | 87.0492% | 1,649 |
| Equity capital to assets | 11.8706% | 1,755 |
| Core capital (leverage) ratio | 10.9151% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1310% | 1,032 |
| Memoranda: | ||
| Average total assets | $319,930,250 | 2,172 |
| Average earning assets | $295,014,000 | 2,184 |
| Average equity | $38,430,000 | 2,074 |
| Average total loans | $168,989,250 | 2,497 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,241 |
| Cost of funding earning assets | 0.6357% | 2,781 |
| Net interest margin | 2.9767% | 4,176 |
| Noninterest income to average assets | 0.8814% | 1,214 |
| Noninterest expense to average assets | 2.8615% | 1,940 |
| Loan and lease loss provision to assets | 0.0383% | 3,796 |
| Net operating income to assets | 0.6852% | 3,446 |
| Return on assets (ROA) | 0.6852% | 3,549 |
| Pretax return on assets | 0.7171% | 3,834 |
| Return on Equity (ROE) | 5.6798% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.6798% | 2,200 |
| Net charge-offs to loans | -0.0243% | 4,468 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1129% | 949 |
| Assets per employee ($millions) | 5.0260% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,760 |
| Loan loss allowance to noncurrent loans | 174.6180% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 853 |
| Noncurrent loans to loans | 0.6609% | 2,210 |
| Net loans and leases to total assets | 52.3224% | 4,007 |
| Net loans and leases to deposits | 60.1100% | 4,115 |
| Net loans and leases to core deposits | 62.2448% | 4,167 |
| Total domestic deposits to total assets | 87.0444% | 1,599 |
| Equity capital to assets | 11.8429% | 1,759 |
| Core capital (leverage) ratio | 11.0626% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2620% | 739 |
| Memoranda: | ||
| Average total assets | $312,915,000 | 2,182 |
| Average earning assets | $287,571,333 | 2,207 |
| Average equity | $37,748,000 | 2,093 |
| Average total loans | $164,726,333 | 2,521 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,145 |
| Cost of funding earning assets | 0.7055% | 2,911 |
| Net interest margin | 3.1391% | 4,011 |
| Noninterest income to average assets | 0.8917% | 1,083 |
| Noninterest expense to average assets | 2.8957% | 2,137 |
| Loan and lease loss provision to assets | 0.0199% | 3,546 |
| Net operating income to assets | 0.8066% | 2,885 |
| Return on assets (ROA) | 0.8066% | 2,973 |
| Pretax return on assets | 0.8439% | 3,297 |
| Return on Equity (ROE) | 6.6191% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.6191% | 1,676 |
| Net charge-offs to loans | -0.0329% | 4,500 |
| Credit loss provision to net charge-offs | -115.3846% | 3,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0237% | 1,453 |
| Assets per employee ($millions) | 4.5596% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,226 |
| Loan loss allowance to noncurrent loans | 167.7824% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 823 |
| Noncurrent loans to loans | 0.7647% | 2,086 |
| Net loans and leases to total assets | 50.4982% | 4,217 |
| Net loans and leases to deposits | 59.3084% | 4,228 |
| Net loans and leases to core deposits | 61.8461% | 4,279 |
| Total domestic deposits to total assets | 85.1452% | 2,355 |
| Equity capital to assets | 11.5830% | 2,367 |
| Core capital (leverage) ratio | 12.0380% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1029% | 969 |
| Memoranda: | ||
| Average total assets | $301,001,000 | 2,203 |
| Average earning assets | $274,984,500 | 2,226 |
| Average equity | $36,682,000 | 2,124 |
| Average total loans | $157,965,000 | 2,565 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,935 |
| Cost of funding earning assets | 0.6758% | 3,282 |
| Net interest margin | 3.4703% | 3,534 |
| Noninterest income to average assets | 0.8698% | 1,246 |
| Noninterest expense to average assets | 2.9270% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0539% | 2,641 |
| Return on assets (ROA) | 1.0649% | 2,697 |
| Pretax return on assets | 1.1089% | 3,140 |
| Return on Equity (ROE) | 8.3579% | 3,015 |
| Retained earnings to average equity (ytd only) | 4.5603% | 2,675 |
| Net charge-offs to loans | 0.0154% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 131.7500% | 553 |
| Efficiency ratio | 72.7296% | 1,769 |
| Assets per employee ($millions) | 4.4926% | 3,229 |
| Cash dividends to net income (ytd only)* | 45.4368% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,238 |
| Loan loss allowance to noncurrent loans | 148.5349% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 610 |
| Noncurrent loans to loans | 0.8337% | 1,844 |
| Net loans and leases to total assets | 53.1786% | 4,136 |
| Net loans and leases to deposits | 63.3896% | 4,112 |
| Net loans and leases to core deposits | 66.3381% | 4,172 |
| Total domestic deposits to total assets | 83.8917% | 2,883 |
| Equity capital to assets | 12.8086% | 1,636 |
| Core capital (leverage) ratio | 12.0238% | 1,757 |
| Tier 1 risk-based capital ratio | 18.5156% | 1,628 |
| Total risk-based capital ratio | 19.5529% | 1,650 |
| Memoranda: | ||
| Average total assets | $288,111,200 | 2,235 |
| Average earning assets | $261,906,000 | 2,263 |
| Average equity | $36,707,800 | 2,067 |
| Average total loans | $155,748,800 | 2,562 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 4,008 |
| Cost of funding earning assets | 0.6488% | 3,455 |
| Net interest margin | 3.5143% | 3,525 |
| Noninterest income to average assets | 0.9351% | 1,073 |
| Noninterest expense to average assets | 2.9830% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0992% | 2,570 |
| Return on assets (ROA) | 1.0992% | 2,667 |
| Pretax return on assets | 1.1440% | 3,154 |
| Return on Equity (ROE) | 8.6395% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.6395% | 1,154 |
| Net charge-offs to loans | 0.0078% | 3,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 272.6600% | 339 |
| Efficiency ratio | 72.2806% | 1,794 |
| Assets per employee ($millions) | 4.5840% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,003 |
| Loan loss allowance to noncurrent loans | 116.9701% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.9105% | 483 |
| Noncurrent loans to loans | 1.1038% | 1,439 |
| Net loans and leases to total assets | 51.9122% | 4,320 |
| Net loans and leases to deposits | 62.3442% | 4,269 |
| Net loans and leases to core deposits | 65.1039% | 4,320 |
| Total domestic deposits to total assets | 83.2671% | 3,073 |
| Equity capital to assets | 13.1869% | 1,521 |
| Core capital (leverage) ratio | 12.5387% | 1,550 |
| Tier 1 risk-based capital ratio | 19.2647% | 1,515 |
| Total risk-based capital ratio | 20.3315% | 1,522 |
| Memoranda: | ||
| Average total assets | $286,011,000 | 2,258 |
| Average earning assets | $259,771,750 | 2,290 |
| Average equity | $36,390,000 | 2,088 |
| Average total loans | $154,771,500 | 2,600 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,953 |
| Cost of funding earning assets | 0.6188% | 3,560 |
| Net interest margin | 3.5700% | 3,364 |
| Noninterest income to average assets | 0.9903% | 886 |
| Noninterest expense to average assets | 3.0117% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1701% | 2,257 |
| Return on assets (ROA) | 1.1701% | 2,334 |
| Pretax return on assets | 1.2216% | 2,840 |
| Return on Equity (ROE) | 9.3139% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.3139% | 956 |
| Net charge-offs to loans | 0.0129% | 2,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 173.2000% | 435 |
| Efficiency ratio | 71.1430% | 2,047 |
| Assets per employee ($millions) | 4.3607% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,012 |
| Loan loss allowance to noncurrent loans | 130.4718% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9902% | 469 |
| Noncurrent loans to loans | 0.9969% | 1,642 |
| Net loans and leases to total assets | 52.4949% | 4,324 |
| Net loans and leases to deposits | 62.9296% | 4,281 |
| Net loans and leases to core deposits | 65.3342% | 4,343 |
| Total domestic deposits to total assets | 83.4184% | 3,069 |
| Equity capital to assets | 13.0188% | 1,580 |
| Core capital (leverage) ratio | 12.4320% | 1,570 |
| Tier 1 risk-based capital ratio | 19.0794% | 1,535 |
| Total risk-based capital ratio | 20.1563% | 1,543 |
| Memoranda: | ||
| Average total assets | $283,556,670 | 2,273 |
| Average earning assets | $257,591,670 | 2,311 |
| Average equity | $35,624,330 | 2,111 |
| Average total loans | $154,932,330 | 2,610 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,906 |
| Cost of funding earning assets | 0.5907% | 3,628 |
| Net interest margin | 3.5989% | 3,252 |
| Noninterest income to average assets | 1.0191% | 763 |
| Noninterest expense to average assets | 3.0203% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2095% | 2,022 |
| Return on assets (ROA) | 1.2095% | 2,072 |
| Pretax return on assets | 1.2635% | 2,586 |
| Return on Equity (ROE) | 9.8092% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.8092% | 1,084 |
| Net charge-offs to loans | -0.0128% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5043% | 2,263 |
| Assets per employee ($millions) | 4.3637% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,113 |
| Loan loss allowance to noncurrent loans | 129.4194% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.0093% | 485 |
| Noncurrent loans to loans | 1.0003% | 1,671 |
| Net loans and leases to total assets | 53.1062% | 4,263 |
| Net loans and leases to deposits | 63.6309% | 4,206 |
| Net loans and leases to core deposits | 66.0182% | 4,278 |
| Total domestic deposits to total assets | 83.4597% | 3,231 |
| Equity capital to assets | 12.3379% | 1,827 |
| Core capital (leverage) ratio | 12.3324% | 1,589 |
| Tier 1 risk-based capital ratio | 18.3286% | 1,707 |
| Total risk-based capital ratio | 19.3954% | 1,714 |
| Memoranda: | ||
| Average total assets | $281,431,500 | 2,305 |
| Average earning assets | $255,297,500 | 2,341 |
| Average equity | $34,702,000 | 2,151 |
| Average total loans | $155,861,000 | 2,628 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,880 |
| Cost of funding earning assets | 0.4474% | 3,698 |
| Net interest margin | 3.6069% | 3,358 |
| Noninterest income to average assets | 0.7978% | 1,453 |
| Noninterest expense to average assets | 2.9698% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0525% | 2,793 |
| Return on assets (ROA) | 1.0647% | 2,726 |
| Pretax return on assets | 1.1114% | 3,226 |
| Return on Equity (ROE) | 9.2313% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.1867% | 2,668 |
| Net charge-offs to loans | 0.0314% | 2,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 65.7143% | 970 |
| Efficiency ratio | 72.9934% | 1,762 |
| Assets per employee ($millions) | 4.0420% | 3,839 |
| Cash dividends to net income (ytd only)* | 43.8141% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,161 |
| Loan loss allowance to noncurrent loans | 122.9871% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.2099% | 393 |
| Noncurrent loans to loans | 1.0378% | 1,580 |
| Net loans and leases to total assets | 56.3078% | 4,111 |
| Net loans and leases to deposits | 67.5468% | 4,006 |
| Net loans and leases to core deposits | 69.5778% | 4,135 |
| Total domestic deposits to total assets | 83.3612% | 3,209 |
| Equity capital to assets | 12.3228% | 1,682 |
| Core capital (leverage) ratio | 12.1094% | 1,664 |
| Tier 1 risk-based capital ratio | 17.8905% | 1,786 |
| Total risk-based capital ratio | 18.9555% | 1,796 |
| Memoranda: | ||
| Average total assets | $293,052,000 | 2,194 |
| Average earning assets | $265,738,200 | 2,222 |
| Average equity | $33,798,200 | 2,123 |
| Average total loans | $156,073,200 | 2,568 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 3,891 |
| Cost of funding earning assets | 0.4256% | 3,688 |
| Net interest margin | 3.5849% | 3,416 |
| Noninterest income to average assets | 0.8571% | 1,314 |
| Noninterest expense to average assets | 2.9614% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0970% | 2,679 |
| Return on assets (ROA) | 1.1030% | 2,666 |
| Pretax return on assets | 1.1550% | 3,177 |
| Return on Equity (ROE) | 9.7175% | 2,746 |
| Retained earnings to average equity (ytd only) | 9.7175% | 997 |
| Net charge-offs to loans | -0.0086% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0514% | 1,878 |
| Assets per employee ($millions) | 4.0352% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,922 |
| Loan loss allowance to noncurrent loans | 124.3211% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 2.3585% | 390 |
| Noncurrent loans to loans | 1.0764% | 1,582 |
| Net loans and leases to total assets | 53.7669% | 4,376 |
| Net loans and leases to deposits | 64.3817% | 4,308 |
| Net loans and leases to core deposits | 66.1665% | 4,402 |
| Total domestic deposits to total assets | 83.5126% | 3,115 |
| Equity capital to assets | 12.1212% | 1,827 |
| Core capital (leverage) ratio | 12.0172% | 1,778 |
| Tier 1 risk-based capital ratio | 18.0371% | 1,781 |
| Total risk-based capital ratio | 19.1196% | 1,790 |
| Memoranda: | ||
| Average total assets | $297,600,750 | 2,180 |
| Average earning assets | $270,050,250 | 2,209 |
| Average equity | $33,780,250 | 2,123 |
| Average total loans | $155,899,750 | 2,583 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,755 |
| Cost of funding earning assets | 0.4120% | 3,632 |
| Net interest margin | 3.5975% | 3,322 |
| Noninterest income to average assets | 0.9100% | 1,157 |
| Noninterest expense to average assets | 3.0022% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1214% | 2,510 |
| Return on assets (ROA) | 1.1366% | 2,456 |
| Pretax return on assets | 1.1895% | 2,974 |
| Return on Equity (ROE) | 10.2297% | 2,463 |
| Retained earnings to average equity (ytd only) | 10.2297% | 863 |
| Net charge-offs to loans | 0.0013% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,776.0000% | 38 |
| Efficiency ratio | 71.8943% | 2,023 |
| Assets per employee ($millions) | 4.1506% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,091 |
| Loan loss allowance to noncurrent loans | 144.3975% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 2.2265% | 434 |
| Noncurrent loans to loans | 0.9113% | 1,895 |
| Net loans and leases to total assets | 52.8863% | 4,418 |
| Net loans and leases to deposits | 62.9134% | 4,361 |
| Net loans and leases to core deposits | 64.5245% | 4,458 |
| Total domestic deposits to total assets | 84.0621% | 3,042 |
| Equity capital to assets | 11.6986% | 2,066 |
| Core capital (leverage) ratio | 11.4278% | 2,134 |
| Tier 1 risk-based capital ratio | 17.7496% | 1,874 |
| Total risk-based capital ratio | 18.8326% | 1,875 |
| Memoranda: | ||
| Average total assets | $302,646,330 | 2,154 |
| Average earning assets | $274,743,330 | 2,193 |
| Average equity | $33,627,670 | 2,139 |
| Average total loans | $156,555,670 | 2,592 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 4,011 |
| Cost of funding earning assets | 0.4106% | 3,508 |
| Net interest margin | 3.4604% | 3,670 |
| Noninterest income to average assets | 1.0742% | 799 |
| Noninterest expense to average assets | 2.9582% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1962% | 2,022 |
| Return on assets (ROA) | 1.2012% | 2,012 |
| Pretax return on assets | 1.2660% | 2,492 |
| Return on Equity (ROE) | 11.0862% | 1,935 |
| Retained earnings to average equity (ytd only) | 11.0862% | 879 |
| Net charge-offs to loans | 0.0306% | 1,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 81.0833% | 698 |
| Efficiency ratio | 70.1167% | 2,471 |
| Assets per employee ($millions) | 4.5477% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,232 |
| Loan loss allowance to noncurrent loans | 130.3069% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 2.1921% | 478 |
| Noncurrent loans to loans | 0.9999% | 1,829 |
| Net loans and leases to total assets | 49.9211% | 4,564 |
| Net loans and leases to deposits | 59.2030% | 4,525 |
| Net loans and leases to core deposits | 61.2586% | 4,599 |
| Total domestic deposits to total assets | 84.3219% | 3,184 |
| Equity capital to assets | 10.8195% | 2,753 |
| Core capital (leverage) ratio | 10.7174% | 2,719 |
| Tier 1 risk-based capital ratio | 16.8723% | 2,149 |
| Total risk-based capital ratio | 17.9211% | 2,170 |
| Memoranda: | ||
| Average total assets | $308,699,500 | 2,149 |
| Average earning assets | $280,546,000 | 2,177 |
| Average equity | $33,447,000 | 2,163 |
| Average total loans | $156,981,000 | 2,604 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 3,933 |
| Cost of funding earning assets | 0.3882% | 3,352 |
| Net interest margin | 3.4462% | 3,701 |
| Noninterest income to average assets | 0.9175% | 1,223 |
| Noninterest expense to average assets | 2.9504% | 2,287 |
| Loan and lease loss provision to assets | 0.0039% | 4,168 |
| Net operating income to assets | 1.0389% | 2,095 |
| Return on assets (ROA) | 1.0518% | 2,069 |
| Pretax return on assets | 1.0926% | 3,217 |
| Return on Equity (ROE) | 9.7807% | 1,987 |
| Retained earnings to average equity (ytd only) | 5.8356% | 1,633 |
| Net charge-offs to loans | -0.0096% | 4,781 |
| Credit loss provision to net charge-offs | -80.0000% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1464% | 2,037 |
| Assets per employee ($millions) | 4.3402% | 3,432 |
| Cash dividends to net income (ytd only)* | 40.3356% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 2,211 |
| Loan loss allowance to noncurrent loans | 119.7430% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.5179% | 376 |
| Noncurrent loans to loans | 1.0867% | 1,633 |
| Net loans and leases to total assets | 50.4603% | 4,620 |
| Net loans and leases to deposits | 59.8239% | 4,577 |
| Net loans and leases to core deposits | 65.3857% | 4,453 |
| Total domestic deposits to total assets | 84.3480% | 3,084 |
| Equity capital to assets | 10.8501% | 2,779 |
| Core capital (leverage) ratio | 10.2936% | 3,077 |
| Tier 1 risk-based capital ratio | 16.4812% | 2,272 |
| Total risk-based capital ratio | 17.5417% | 2,274 |
| Memoranda: | ||
| Average total assets | $305,955,800 | 2,139 |
| Average earning assets | $276,649,800 | 2,177 |
| Average equity | $32,901,400 | 2,170 |
| Average total loans | $156,858,200 | 2,582 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8338% | 3,889 |
| Cost of funding earning assets | 0.3824% | 3,354 |
| Net interest margin | 3.4514% | 3,673 |
| Noninterest income to average assets | 0.9893% | 1,048 |
| Noninterest expense to average assets | 2.9970% | 2,115 |
| Loan and lease loss provision to assets | 0.0052% | 4,015 |
| Net operating income to assets | 1.0550% | 2,310 |
| Return on assets (ROA) | 1.0722% | 2,266 |
| Pretax return on assets | 1.1215% | 3,227 |
| Return on Equity (ROE) | 9.9932% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.9932% | 587 |
| Net charge-offs to loans | 0.0230% | 2,997 |
| Credit loss provision to net charge-offs | 44.4444% | 2,971 |
| Earnings coverage of net charge-offs (x) | 94.0717% | 721 |
| Efficiency ratio | 72.9931% | 2,045 |
| Assets per employee ($millions) | 4.3453% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,520 |
| Loan loss allowance to noncurrent loans | 120.5282% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.5852% | 402 |
| Noncurrent loans to loans | 1.0536% | 1,835 |
| Net loans and leases to total assets | 49.9000% | 4,705 |
| Net loans and leases to deposits | 59.4059% | 4,666 |
| Net loans and leases to core deposits | 64.8057% | 4,564 |
| Total domestic deposits to total assets | 83.9983% | 3,126 |
| Equity capital to assets | 11.0826% | 2,780 |
| Core capital (leverage) ratio | 10.6793% | 2,791 |
| Tier 1 risk-based capital ratio | 16.7935% | 2,221 |
| Total risk-based capital ratio | 17.8344% | 2,248 |
| Memoranda: | ||
| Average total assets | $305,406,500 | 2,155 |
| Average earning assets | $275,787,000 | 2,193 |
| Average equity | $32,768,000 | 2,195 |
| Average total loans | $156,686,500 | 2,600 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 3,816 |
| Cost of funding earning assets | 0.3767% | 3,317 |
| Net interest margin | 3.4457% | 3,608 |
| Noninterest income to average assets | 1.0518% | 919 |
| Noninterest expense to average assets | 3.0417% | 2,004 |
| Loan and lease loss provision to assets | 0.0079% | 3,769 |
| Net operating income to assets | 1.0586% | 2,172 |
| Return on assets (ROA) | 1.0643% | 2,190 |
| Pretax return on assets | 1.1125% | 3,126 |
| Return on Equity (ROE) | 10.0333% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.0333% | 577 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1851% | 2,154 |
| Assets per employee ($millions) | 4.1577% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,447 |
| Loan loss allowance to noncurrent loans | 118.0394% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 2.8019% | 351 |
| Noncurrent loans to loans | 1.0957% | 1,787 |
| Net loans and leases to total assets | 51.1714% | 4,634 |
| Net loans and leases to deposits | 61.5565% | 4,527 |
| Net loans and leases to core deposits | 65.8364% | 4,480 |
| Total domestic deposits to total assets | 83.1292% | 3,528 |
| Equity capital to assets | 11.1728% | 2,632 |
| Core capital (leverage) ratio | 10.4234% | 3,001 |
| Tier 1 risk-based capital ratio | 16.7497% | 2,218 |
| Total risk-based capital ratio | 17.8299% | 2,241 |
| Memoranda: | ||
| Average total assets | $302,922,000 | 2,175 |
| Average earning assets | $272,923,000 | 2,216 |
| Average equity | $32,133,000 | 2,223 |
| Average total loans | $156,207,000 | 2,612 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 3,917 |
| Cost of funding earning assets | 0.3700% | 3,310 |
| Net interest margin | 3.3842% | 3,698 |
| Noninterest income to average assets | 1.1764% | 736 |
| Noninterest expense to average assets | 2.9607% | 2,272 |
| Loan and lease loss provision to assets | 0.0159% | 3,365 |
| Net operating income to assets | 1.1499% | 1,667 |
| Return on assets (ROA) | 1.1499% | 1,705 |
| Pretax return on assets | 1.2464% | 2,426 |
| Return on Equity (ROE) | 11.1381% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.1381% | 584 |
| Net charge-offs to loans | -0.0103% | 4,440 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1095% | 2,869 |
| Assets per employee ($millions) | 4.5291% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,483 |
| Loan loss allowance to noncurrent loans | 95.4588% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 3.1548% | 301 |
| Noncurrent loans to loans | 1.3732% | 1,465 |
| Net loans and leases to total assets | 49.8456% | 4,687 |
| Net loans and leases to deposits | 59.2920% | 4,617 |
| Net loans and leases to core deposits | 63.3016% | 4,577 |
| Total domestic deposits to total assets | 84.0681% | 3,452 |
| Equity capital to assets | 10.3799% | 3,319 |
| Core capital (leverage) ratio | 10.2503% | 3,191 |
| Tier 1 risk-based capital ratio | 16.4398% | 2,384 |
| Total risk-based capital ratio | 17.5278% | 2,390 |
| Memoranda: | ||
| Average total assets | $302,626,500 | 2,189 |
| Average earning assets | $272,441,500 | 2,235 |
| Average equity | $31,244,000 | 2,278 |
| Average total loans | $155,637,000 | 2,633 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,534 |
| Cost of funding earning assets | 0.3857% | 3,149 |
| Net interest margin | 3.5260% | 3,332 |
| Noninterest income to average assets | 1.0300% | 1,063 |
| Noninterest expense to average assets | 3.0813% | 2,092 |
| Loan and lease loss provision to assets | 0.0486% | 3,419 |
| Net operating income to assets | 1.0271% | 2,237 |
| Return on assets (ROA) | 1.0455% | 2,265 |
| Pretax return on assets | 1.0928% | 3,132 |
| Return on Equity (ROE) | 9.7295% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.1552% | 2,235 |
| Net charge-offs to loans | 0.1356% | 1,887 |
| Credit loss provision to net charge-offs | 69.2308% | 3,142 |
| Earnings coverage of net charge-offs (x) | 15.9904% | 2,150 |
| Efficiency ratio | 73.3044% | 2,374 |
| Assets per employee ($millions) | 4.2468% | 3,533 |
| Cash dividends to net income (ytd only)* | 47.0152% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,551 |
| Loan loss allowance to noncurrent loans | 81.7044% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 3.7346% | 216 |
| Noncurrent loans to loans | 1.5900% | 1,240 |
| Net loans and leases to total assets | 51.7025% | 4,637 |
| Net loans and leases to deposits | 61.4792% | 4,579 |
| Net loans and leases to core deposits | 65.5960% | 4,548 |
| Total domestic deposits to total assets | 84.0975% | 3,388 |
| Equity capital to assets | 10.2666% | 3,428 |
| Core capital (leverage) ratio | 10.1521% | 3,301 |
| Tier 1 risk-based capital ratio | 16.0648% | 2,511 |
| Total risk-based capital ratio | 17.1502% | 2,523 |
| Memoranda: | ||
| Average total assets | $296,403,400 | 2,185 |
| Average earning assets | $266,759,200 | 2,240 |
| Average equity | $31,851,600 | 2,231 |
| Average total loans | $153,425,400 | 2,600 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 3,580 |
| Cost of funding earning assets | 0.3872% | 3,152 |
| Net interest margin | 3.5127% | 3,424 |
| Noninterest income to average assets | 1.0502% | 1,030 |
| Noninterest expense to average assets | 3.0809% | 2,078 |
| Loan and lease loss provision to assets | 0.0486% | 3,275 |
| Net operating income to assets | 1.0386% | 2,250 |
| Return on assets (ROA) | 1.0633% | 2,257 |
| Pretax return on assets | 1.1110% | 3,182 |
| Return on Equity (ROE) | 9.7850% | 2,154 |
| Retained earnings to average equity (ytd only) | 8.9896% | 821 |
| Net charge-offs to loans | 0.1788% | 1,301 |
| Credit loss provision to net charge-offs | 52.6829% | 2,997 |
| Earnings coverage of net charge-offs (x) | 12.2876% | 2,405 |
| Efficiency ratio | 73.0962% | 2,422 |
| Assets per employee ($millions) | 4.3121% | 3,395 |
| Cash dividends to net income (ytd only)* | 8.1286% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,925 |
| Loan loss allowance to noncurrent loans | 68.5498% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 3.7673% | 239 |
| Noncurrent loans to loans | 1.8309% | 1,120 |
| Net loans and leases to total assets | 52.6206% | 4,601 |
| Net loans and leases to deposits | 63.5740% | 4,512 |
| Net loans and leases to core deposits | 67.8214% | 4,480 |
| Total domestic deposits to total assets | 82.7706% | 3,680 |
| Equity capital to assets | 11.4085% | 2,591 |
| Core capital (leverage) ratio | 10.4115% | 3,099 |
| Tier 1 risk-based capital ratio | 16.1000% | 2,585 |
| Total risk-based capital ratio | 17.1515% | 2,605 |
| Memoranda: | ||
| Average total assets | $296,185,750 | 2,194 |
| Average earning assets | $266,837,750 | 2,241 |
| Average equity | $32,184,500 | 2,236 |
| Average total loans | $152,851,500 | 2,611 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,586 |
| Cost of funding earning assets | 0.3919% | 3,132 |
| Net interest margin | 3.5144% | 3,435 |
| Noninterest income to average assets | 1.0854% | 955 |
| Noninterest expense to average assets | 3.1278% | 1,989 |
| Loan and lease loss provision to assets | 0.0487% | 3,176 |
| Net operating income to assets | 1.0220% | 2,286 |
| Return on assets (ROA) | 1.0503% | 2,297 |
| Pretax return on assets | 1.1044% | 3,181 |
| Return on Equity (ROE) | 9.8297% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.6145% | 967 |
| Net charge-offs to loans | 0.2239% | 1,039 |
| Credit loss provision to net charge-offs | 42.6036% | 2,749 |
| Earnings coverage of net charge-offs (x) | 9.8284% | 2,378 |
| Efficiency ratio | 73.5762% | 2,421 |
| Assets per employee ($millions) | 4.3129% | 3,347 |
| Cash dividends to net income (ytd only)* | 12.3632% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,803 |
| Loan loss allowance to noncurrent loans | 68.6207% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 3.9128% | 236 |
| Noncurrent loans to loans | 1.8905% | 1,074 |
| Net loans and leases to total assets | 50.8781% | 4,775 |
| Net loans and leases to deposits | 61.3196% | 4,708 |
| Net loans and leases to core deposits | 65.0576% | 4,678 |
| Total domestic deposits to total assets | 82.9719% | 3,669 |
| Equity capital to assets | 11.2064% | 2,841 |
| Core capital (leverage) ratio | 10.1728% | 3,362 |
| Tier 1 risk-based capital ratio | 15.9130% | 2,685 |
| Total risk-based capital ratio | 16.9806% | 2,705 |
| Memoranda: | ||
| Average total assets | $295,737,000 | 2,206 |
| Average earning assets | $266,389,000 | 2,257 |
| Average equity | $31,598,000 | 2,267 |
| Average total loans | $150,951,000 | 2,634 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,738 |
| Cost of funding earning assets | 0.3992% | 3,073 |
| Net interest margin | 3.4599% | 3,624 |
| Noninterest income to average assets | 1.1370% | 846 |
| Noninterest expense to average assets | 3.0854% | 2,135 |
| Loan and lease loss provision to assets | 0.0488% | 2,948 |
| Net operating income to assets | 1.0516% | 2,080 |
| Return on assets (ROA) | 1.0529% | 2,184 |
| Pretax return on assets | 1.1207% | 3,010 |
| Return on Equity (ROE) | 10.1033% | 1,944 |
| Retained earnings to average equity (ytd only) | 7.6035% | 1,618 |
| Net charge-offs to loans | 0.0027% | 3,029 |
| Credit loss provision to net charge-offs | 3,600.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 861.0000% | 52 |
| Efficiency ratio | 72.5359% | 2,720 |
| Assets per employee ($millions) | 4.2563% | 3,478 |
| Cash dividends to net income (ytd only)* | 24.7423% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,406 |
| Loan loss allowance to noncurrent loans | 82.4718% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 3.9008% | 269 |
| Noncurrent loans to loans | 1.7014% | 1,326 |
| Net loans and leases to total assets | 50.7706% | 4,741 |
| Net loans and leases to deposits | 60.8078% | 4,657 |
| Net loans and leases to core deposits | 64.6173% | 4,650 |
| Total domestic deposits to total assets | 83.4935% | 3,711 |
| Equity capital to assets | 10.6519% | 3,311 |
| Core capital (leverage) ratio | 9.8379% | 3,732 |
| Tier 1 risk-based capital ratio | 15.9004% | 2,730 |
| Total risk-based capital ratio | 17.0685% | 2,703 |
| Memoranda: | ||
| Average total assets | $294,810,500 | 2,215 |
| Average earning assets | $265,554,500 | 2,266 |
| Average equity | $30,722,500 | 2,323 |
| Average total loans | $149,727,500 | 2,654 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 3,257 |
| Cost of funding earning assets | 0.4192% | 2,950 |
| Net interest margin | 3.5957% | 3,155 |
| Noninterest income to average assets | 1.0601% | 1,047 |
| Noninterest expense to average assets | 3.0892% | 2,273 |
| Loan and lease loss provision to assets | 0.1888% | 1,177 |
| Net operating income to assets | 0.9542% | 2,595 |
| Return on assets (ROA) | 0.9773% | 2,559 |
| Pretax return on assets | 1.0253% | 3,362 |
| Return on Equity (ROE) | 9.4987% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.9273% | 1,835 |
| Net charge-offs to loans | -0.0345% | 5,446 |
| Credit loss provision to net charge-offs | -1,050.9804% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1943% | 2,875 |
| Assets per employee ($millions) | 4.2889% | 3,410 |
| Cash dividends to net income (ytd only)* | 37.5991% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 2,382 |
| Loan loss allowance to noncurrent loans | 78.5472% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 3.9569% | 266 |
| Noncurrent loans to loans | 1.7925% | 1,227 |
| Net loans and leases to total assets | 49.3825% | 4,922 |
| Net loans and leases to deposits | 58.8128% | 4,859 |
| Net loans and leases to core deposits | 66.0160% | 4,591 |
| Total domestic deposits to total assets | 83.9655% | 3,496 |
| Equity capital to assets | 10.1920% | 3,758 |
| Core capital (leverage) ratio | 9.6420% | 3,988 |
| Tier 1 risk-based capital ratio | 15.9560% | 2,707 |
| Total risk-based capital ratio | 17.1328% | 2,679 |
| Memoranda: | ||
| Average total assets | $283,830,800 | 2,242 |
| Average earning assets | $254,083,800 | 2,315 |
| Average equity | $29,204,000 | 2,378 |
| Average total loans | $147,717,200 | 2,629 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 3,070 |
| Cost of funding earning assets | 0.4219% | 2,992 |
| Net interest margin | 3.6458% | 2,976 |
| Noninterest income to average assets | 0.8836% | 1,501 |
| Noninterest expense to average assets | 3.0236% | 2,451 |
| Loan and lease loss provision to assets | 0.2032% | 983 |
| Net operating income to assets | 0.8710% | 3,082 |
| Return on assets (ROA) | 0.9012% | 3,041 |
| Pretax return on assets | 0.9468% | 3,825 |
| Return on Equity (ROE) | 8.7369% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.7369% | 991 |
| Net charge-offs to loans | -0.0650% | 5,638 |
| Credit loss provision to net charge-offs | -594.4444% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0024% | 2,716 |
| Assets per employee ($millions) | 4.2599% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 3,206 |
| Loan loss allowance to noncurrent loans | 46.6636% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.9029% | 203 |
| Noncurrent loans to loans | 2.7433% | 689 |
| Net loans and leases to total assets | 52.4727% | 4,710 |
| Net loans and leases to deposits | 62.9823% | 4,645 |
| Net loans and leases to core deposits | 70.7796% | 4,298 |
| Total domestic deposits to total assets | 83.3134% | 3,693 |
| Equity capital to assets | 10.1027% | 4,047 |
| Core capital (leverage) ratio | 9.9125% | 3,757 |
| Tier 1 risk-based capital ratio | 15.5612% | 3,020 |
| Total risk-based capital ratio | 16.6545% | 3,015 |
| Memoranda: | ||
| Average total assets | $280,804,250 | 2,277 |
| Average earning assets | $250,946,500 | 2,353 |
| Average equity | $28,964,500 | 2,406 |
| Average total loans | $147,589,500 | 2,637 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,177 |
| Cost of funding earning assets | 0.4246% | 2,992 |
| Net interest margin | 3.6026% | 3,082 |
| Noninterest income to average assets | 0.8791% | 1,514 |
| Noninterest expense to average assets | 2.9794% | 2,620 |
| Loan and lease loss provision to assets | 0.2576% | 661 |
| Net operating income to assets | 0.8221% | 3,267 |
| Return on assets (ROA) | 0.8603% | 3,184 |
| Pretax return on assets | 0.8986% | 3,961 |
| Return on Equity (ROE) | 8.2797% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.2797% | 1,155 |
| Net charge-offs to loans | 0.0898% | 2,132 |
| Credit loss provision to net charge-offs | 547.6923% | 592 |
| Earnings coverage of net charge-offs (x) | 23.7385% | 1,597 |
| Efficiency ratio | 72.7433% | 2,892 |
| Assets per employee ($millions) | 4.1091% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 3,592 |
| Loan loss allowance to noncurrent loans | 26.7793% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 5.6979% | 168 |
| Noncurrent loans to loans | 4.6131% | 285 |
| Net loans and leases to total assets | 50.5017% | 4,883 |
| Net loans and leases to deposits | 60.2353% | 4,832 |
| Net loans and leases to core deposits | 64.2441% | 4,792 |
| Total domestic deposits to total assets | 83.8407% | 3,639 |
| Equity capital to assets | 10.0830% | 3,943 |
| Core capital (leverage) ratio | 9.8911% | 3,749 |
| Tier 1 risk-based capital ratio | 15.8037% | 2,953 |
| Total risk-based capital ratio | 16.8234% | 3,008 |
| Memoranda: | ||
| Average total assets | $276,429,000 | 2,329 |
| Average earning assets | $246,825,000 | 2,399 |
| Average equity | $28,721,000 | 2,435 |
| Average total loans | $144,708,330 | 2,687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,491 |
| Cost of funding earning assets | 0.4217% | 3,049 |
| Net interest margin | 3.7694% | 2,355 |
| Noninterest income to average assets | 0.7769% | 1,800 |
| Noninterest expense to average assets | 2.9156% | 2,853 |
| Loan and lease loss provision to assets | 0.3635% | 344 |
| Net operating income to assets | 0.8277% | 3,128 |
| Return on assets (ROA) | 0.8502% | 3,126 |
| Pretax return on assets | 0.8883% | 3,934 |
| Return on Equity (ROE) | 8.0591% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.0591% | 1,550 |
| Net charge-offs to loans | -0.0581% | 5,597 |
| Credit loss provision to net charge-offs | -1,180.9524% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3573% | 3,421 |
| Assets per employee ($millions) | 3.9616% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 3,892 |
| Loan loss allowance to noncurrent loans | 31.9487% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 5.1959% | 230 |
| Noncurrent loans to loans | 3.7989% | 474 |
| Net loans and leases to total assets | 51.9211% | 4,671 |
| Net loans and leases to deposits | 62.3236% | 4,545 |
| Net loans and leases to core deposits | 66.4870% | 4,471 |
| Total domestic deposits to total assets | 83.3089% | 4,082 |
| Equity capital to assets | 10.5436% | 3,489 |
| Core capital (leverage) ratio | 10.1316% | 3,424 |
| Tier 1 risk-based capital ratio | 15.8386% | 2,995 |
| Total risk-based capital ratio | 16.8707% | 3,032 |
| Memoranda: | ||
| Average total assets | $272,880,000 | 2,365 |
| Average earning assets | $243,755,500 | 2,441 |
| Average equity | $28,787,500 | 2,445 |
| Average total loans | $144,574,000 | 2,697 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 3,053 |
| Cost of funding earning assets | 0.4680% | 2,995 |
| Net interest margin | 3.6996% | 3,010 |
| Noninterest income to average assets | 0.8122% | 1,820 |
| Noninterest expense to average assets | 2.9785% | 2,909 |
| Loan and lease loss provision to assets | 0.1914% | 1,340 |
| Net operating income to assets | 0.8933% | 2,907 |
| Return on assets (ROA) | 0.9343% | 2,795 |
| Pretax return on assets | 0.9766% | 3,587 |
| Return on Equity (ROE) | 9.4446% | 2,363 |
| Retained earnings to average equity (ytd only) | 6.6813% | 1,555 |
| Net charge-offs to loans | 0.4888% | 849 |
| Credit loss provision to net charge-offs | 72.3796% | 3,015 |
| Earnings coverage of net charge-offs (x) | 4.2564% | 3,697 |
| Efficiency ratio | 72.5796% | 3,109 |
| Assets per employee ($millions) | 3.8905% | 4,187 |
| Cash dividends to net income (ytd only)* | 29.2585% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 4,828 |
| Loan loss allowance to noncurrent loans | 23.4119% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 5.7706% | 209 |
| Noncurrent loans to loans | 4.4681% | 376 |
| Net loans and leases to total assets | 52.8578% | 4,705 |
| Net loans and leases to deposits | 63.5489% | 4,575 |
| Net loans and leases to core deposits | 68.1999% | 4,481 |
| Total domestic deposits to total assets | 83.1764% | 4,012 |
| Equity capital to assets | 10.5556% | 3,412 |
| Core capital (leverage) ratio | 9.9247% | 3,682 |
| Tier 1 risk-based capital ratio | 16.8033% | 2,595 |
| Total risk-based capital ratio | 17.7519% | 2,663 |
| Memoranda: | ||
| Average total assets | $267,043,200 | 2,372 |
| Average earning assets | $237,590,600 | 2,443 |
| Average equity | $26,417,200 | 2,534 |
| Average total loans | $144,445,200 | 2,648 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,109 |
| Cost of funding earning assets | 0.4730% | 3,023 |
| Net interest margin | 3.6916% | 3,061 |
| Noninterest income to average assets | 0.8374% | 1,752 |
| Noninterest expense to average assets | 2.9816% | 2,863 |
| Loan and lease loss provision to assets | 0.1475% | 1,698 |
| Net operating income to assets | 0.9477% | 2,695 |
| Return on assets (ROA) | 1.0024% | 2,504 |
| Pretax return on assets | 1.0469% | 3,397 |
| Return on Equity (ROE) | 10.3066% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.3066% | 630 |
| Net charge-offs to loans | 0.1308% | 2,487 |
| Credit loss provision to net charge-offs | 207.7465% | 1,231 |
| Earnings coverage of net charge-offs (x) | 16.0210% | 2,012 |
| Efficiency ratio | 72.3874% | 3,113 |
| Assets per employee ($millions) | 3.8904% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 3,779 |
| Loan loss allowance to noncurrent loans | 25.8353% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 6.2766% | 208 |
| Noncurrent loans to loans | 4.9358% | 380 |
| Net loans and leases to total assets | 53.2979% | 4,661 |
| Net loans and leases to deposits | 64.0925% | 4,529 |
| Net loans and leases to core deposits | 68.7867% | 4,433 |
| Total domestic deposits to total assets | 83.1579% | 4,075 |
| Equity capital to assets | 10.4169% | 3,660 |
| Core capital (leverage) ratio | 10.0145% | 3,659 |
| Tier 1 risk-based capital ratio | 16.4371% | 2,840 |
| Total risk-based capital ratio | 17.5701% | 2,846 |
| Memoranda: | ||
| Average total assets | $266,692,750 | 2,403 |
| Average earning assets | $237,072,750 | 2,471 |
| Average equity | $25,937,500 | 2,580 |
| Average total loans | $144,708,000 | 2,655 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,937 |
| Cost of funding earning assets | 0.4808% | 3,018 |
| Net interest margin | 3.7235% | 2,862 |
| Noninterest income to average assets | 0.7523% | 2,035 |
| Noninterest expense to average assets | 2.9815% | 2,898 |
| Loan and lease loss provision to assets | 0.1405% | 1,761 |
| Net operating income to assets | 0.8963% | 2,833 |
| Return on assets (ROA) | 0.9778% | 2,498 |
| Pretax return on assets | 1.0214% | 3,390 |
| Return on Equity (ROE) | 10.2999% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.2999% | 652 |
| Net charge-offs to loans | 0.0982% | 2,696 |
| Credit loss provision to net charge-offs | 263.3803% | 956 |
| Earnings coverage of net charge-offs (x) | 20.1831% | 1,594 |
| Efficiency ratio | 73.4630% | 3,070 |
| Assets per employee ($millions) | 3.8783% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 4,325 |
| Loan loss allowance to noncurrent loans | 25.8014% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 6.3449% | 223 |
| Noncurrent loans to loans | 4.7339% | 446 |
| Net loans and leases to total assets | 54.7305% | 4,446 |
| Net loans and leases to deposits | 65.4552% | 4,323 |
| Net loans and leases to core deposits | 70.3188% | 4,231 |
| Total domestic deposits to total assets | 83.6152% | 4,069 |
| Equity capital to assets | 9.9525% | 4,175 |
| Core capital (leverage) ratio | 9.6138% | 4,154 |
| Tier 1 risk-based capital ratio | 15.6133% | 3,286 |
| Total risk-based capital ratio | 16.6965% | 3,325 |
| Memoranda: | ||
| Average total assets | $266,110,330 | 2,401 |
| Average earning assets | $236,281,670 | 2,477 |
| Average equity | $25,262,330 | 2,629 |
| Average total loans | $144,637,000 | 2,664 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,323 |
| Cost of funding earning assets | 0.4980% | 2,924 |
| Net interest margin | 3.5913% | 3,286 |
| Noninterest income to average assets | 0.8773% | 1,462 |
| Noninterest expense to average assets | 2.8941% | 3,238 |
| Loan and lease loss provision to assets | 0.1733% | 1,394 |
| Net operating income to assets | 0.9529% | 2,392 |
| Return on assets (ROA) | 0.9587% | 2,436 |
| Pretax return on assets | 1.0009% | 3,312 |
| Return on Equity (ROE) | 10.3511% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.3511% | 886 |
| Net charge-offs to loans | 0.0056% | 3,543 |
| Credit loss provision to net charge-offs | 5,750.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 387.5000% | 120 |
| Efficiency ratio | 71.2430% | 3,621 |
| Assets per employee ($millions) | 4.0132% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,303 |
| Loan loss allowance to noncurrent loans | 28.6893% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 5.8554% | 298 |
| Noncurrent loans to loans | 4.4121% | 565 |
| Net loans and leases to total assets | 51.6778% | 4,707 |
| Net loans and leases to deposits | 61.1479% | 4,648 |
| Net loans and leases to core deposits | 65.7014% | 4,517 |
| Total domestic deposits to total assets | 84.5127% | 4,081 |
| Equity capital to assets | 9.2402% | 4,828 |
| Core capital (leverage) ratio | 9.1599% | 4,776 |
| Tier 1 risk-based capital ratio | 15.6159% | 3,372 |
| Total risk-based capital ratio | 16.7257% | 3,413 |
| Memoranda: | ||
| Average total assets | $265,364,500 | 2,413 |
| Average earning assets | $235,344,500 | 2,491 |
| Average equity | $24,577,000 | 2,685 |
| Average total loans | $142,820,000 | 2,695 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 3,042 |
| Cost of funding earning assets | 0.5821% | 2,817 |
| Net interest margin | 3.6958% | 3,071 |
| Noninterest income to average assets | 0.9275% | 1,587 |
| Noninterest expense to average assets | 3.0175% | 3,006 |
| Loan and lease loss provision to assets | 0.2642% | 1,342 |
| Net operating income to assets | 0.9018% | 2,769 |
| Return on assets (ROA) | 0.9133% | 2,804 |
| Pretax return on assets | 0.9545% | 3,539 |
| Return on Equity (ROE) | 9.5002% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.9038% | 1,472 |
| Net charge-offs to loans | 0.9234% | 659 |
| Credit loss provision to net charge-offs | 50.8902% | 3,789 |
| Earnings coverage of net charge-offs (x) | 2.3242% | 4,235 |
| Efficiency ratio | 71.4325% | 3,582 |
| Assets per employee ($millions) | 3.7917% | 4,281 |
| Cash dividends to net income (ytd only)* | 27.3302% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,726 |
| Loan loss allowance to noncurrent loans | 27.6104% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 6.1478% | 306 |
| Noncurrent loans to loans | 4.2988% | 639 |
| Net loans and leases to total assets | 54.7294% | 4,495 |
| Net loans and leases to deposits | 65.0071% | 4,413 |
| Net loans and leases to core deposits | 68.0256% | 4,511 |
| Total domestic deposits to total assets | 84.1898% | 4,097 |
| Equity capital to assets | 9.2843% | 4,707 |
| Core capital (leverage) ratio | 9.4973% | 4,276 |
| Tier 1 risk-based capital ratio | 15.4259% | 3,419 |
| Total risk-based capital ratio | 16.5067% | 3,458 |
| Memoranda: | ||
| Average total assets | $259,617,000 | 2,439 |
| Average earning assets | $231,589,600 | 2,505 |
| Average equity | $24,957,400 | 2,633 |
| Average total loans | $145,987,200 | 2,617 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 3,229 |
| Cost of funding earning assets | 0.5927% | 2,872 |
| Net interest margin | 3.6481% | 3,240 |
| Noninterest income to average assets | 0.8695% | 1,859 |
| Noninterest expense to average assets | 2.9341% | 3,194 |
| Loan and lease loss provision to assets | 0.1661% | 2,182 |
| Net operating income to assets | 0.9881% | 2,427 |
| Return on assets (ROA) | 0.9910% | 2,507 |
| Pretax return on assets | 1.0351% | 3,355 |
| Return on Equity (ROE) | 10.2223% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.2223% | 745 |
| Net charge-offs to loans | 0.4178% | 1,533 |
| Credit loss provision to net charge-offs | 70.4348% | 3,061 |
| Earnings coverage of net charge-offs (x) | 5.0804% | 3,286 |
| Efficiency ratio | 71.0050% | 3,604 |
| Assets per employee ($millions) | 3.7985% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,329 |
| Loan loss allowance to noncurrent loans | 24.9663% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 6.6330% | 320 |
| Noncurrent loans to loans | 6.1342% | 403 |
| Net loans and leases to total assets | 55.2859% | 4,417 |
| Net loans and leases to deposits | 65.8494% | 4,327 |
| Net loans and leases to core deposits | 69.2116% | 4,404 |
| Total domestic deposits to total assets | 83.9581% | 4,204 |
| Equity capital to assets | 9.3686% | 4,719 |
| Core capital (leverage) ratio | 9.5998% | 4,243 |
| Tier 1 risk-based capital ratio | 15.6244% | 3,386 |
| Total risk-based capital ratio | 16.8761% | 3,350 |
| Memoranda: | ||
| Average total assets | $260,062,750 | 2,455 |
| Average earning assets | $232,588,000 | 2,504 |
| Average equity | $25,212,250 | 2,638 |
| Average total loans | $146,782,500 | 2,622 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 3,285 |
| Cost of funding earning assets | 0.6046% | 2,896 |
| Net interest margin | 3.6141% | 3,307 |
| Noninterest income to average assets | 0.9476% | 1,670 |
| Noninterest expense to average assets | 3.0025% | 2,994 |
| Loan and lease loss provision to assets | 0.1657% | 2,252 |
| Net operating income to assets | 0.9691% | 2,469 |
| Return on assets (ROA) | 0.9691% | 2,612 |
| Pretax return on assets | 1.0128% | 3,452 |
| Return on Equity (ROE) | 9.8865% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.8865% | 875 |
| Net charge-offs to loans | 0.4818% | 1,369 |
| Credit loss provision to net charge-offs | 60.8451% | 2,999 |
| Earnings coverage of net charge-offs (x) | 4.3268% | 3,165 |
| Efficiency ratio | 71.8113% | 3,508 |
| Assets per employee ($millions) | 3.9888% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,505 |
| Loan loss allowance to noncurrent loans | 25.3457% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 6.5069% | 387 |
| Noncurrent loans to loans | 5.9884% | 475 |
| Net loans and leases to total assets | 54.6669% | 4,501 |
| Net loans and leases to deposits | 65.2318% | 4,355 |
| Net loans and leases to core deposits | 68.4273% | 4,453 |
| Total domestic deposits to total assets | 83.8041% | 4,404 |
| Equity capital to assets | 9.6039% | 4,447 |
| Core capital (leverage) ratio | 9.2710% | 4,591 |
| Tier 1 risk-based capital ratio | 15.0668% | 3,739 |
| Total risk-based capital ratio | 16.3188% | 3,703 |
| Memoranda: | ||
| Average total assets | $260,650,670 | 2,456 |
| Average earning assets | $233,198,670 | 2,507 |
| Average equity | $25,550,000 | 2,622 |
| Average total loans | $147,368,670 | 2,613 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 3,450 |
| Cost of funding earning assets | 0.6245% | 2,884 |
| Net interest margin | 3.5389% | 3,531 |
| Noninterest income to average assets | 0.9655% | 1,568 |
| Noninterest expense to average assets | 3.0322% | 2,889 |
| Loan and lease loss provision to assets | 0.1666% | 2,197 |
| Net operating income to assets | 0.8992% | 2,660 |
| Return on assets (ROA) | 0.8992% | 2,807 |
| Pretax return on assets | 0.9393% | 3,616 |
| Return on Equity (ROE) | 9.0798% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.0798% | 1,356 |
| Net charge-offs to loans | -0.0487% | 6,122 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2762% | 3,400 |
| Assets per employee ($millions) | 3.9747% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 3,118 |
| Loan loss allowance to noncurrent loans | 20.1854% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 7.1906% | 384 |
| Noncurrent loans to loans | 8.2948% | 310 |
| Net loans and leases to total assets | 55.5852% | 4,156 |
| Net loans and leases to deposits | 66.4605% | 3,997 |
| Net loans and leases to core deposits | 69.3350% | 4,152 |
| Total domestic deposits to total assets | 83.6365% | 4,618 |
| Equity capital to assets | 9.8617% | 4,331 |
| Core capital (leverage) ratio | 9.2422% | 4,492 |
| Tier 1 risk-based capital ratio | 14.7271% | 4,013 |
| Total risk-based capital ratio | 15.9811% | 3,982 |
| Memoranda: | ||
| Average total assets | $259,347,000 | 2,495 |
| Average earning assets | $232,499,500 | 2,550 |
| Average equity | $25,683,500 | 2,642 |
| Average total loans | $147,986,500 | 2,612 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 4,020 |
| Cost of funding earning assets | 0.8730% | 2,111 |
| Net interest margin | 3.4794% | 4,585 |
| Noninterest income to average assets | 0.9820% | 1,587 |
| Noninterest expense to average assets | 3.0522% | 3,086 |
| Loan and lease loss provision to assets | 0.2399% | 2,730 |
| Net operating income to assets | 0.7725% | 3,405 |
| Return on assets (ROA) | 0.8394% | 3,351 |
| Pretax return on assets | 0.8752% | 4,009 |
| Return on Equity (ROE) | 8.8445% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.2028% | 1,471 |
| Net charge-offs to loans | 1.0764% | 989 |
| Credit loss provision to net charge-offs | 38.1188% | 4,968 |
| Earnings coverage of net charge-offs (x) | 1.6609% | 4,608 |
| Efficiency ratio | 74.4867% | 2,989 |
| Assets per employee ($millions) | 3.9441% | 4,056 |
| Cash dividends to net income (ytd only)* | 18.5615% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,338 |
| Loan loss allowance to noncurrent loans | 19.6204% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 7.2482% | 419 |
| Noncurrent loans to loans | 8.1348% | 355 |
| Net loans and leases to total assets | 56.6836% | 4,166 |
| Net loans and leases to deposits | 67.8948% | 4,002 |
| Net loans and leases to core deposits | 71.0490% | 4,162 |
| Total domestic deposits to total assets | 83.4873% | 4,542 |
| Equity capital to assets | 9.9455% | 4,248 |
| Core capital (leverage) ratio | 9.0807% | 4,764 |
| Tier 1 risk-based capital ratio | 14.5371% | 4,005 |
| Total risk-based capital ratio | 15.7904% | 3,959 |
| Memoranda: | ||
| Average total assets | $256,730,600 | 2,472 |
| Average earning assets | $229,898,400 | 2,512 |
| Average equity | $24,365,400 | 2,724 |
| Average total loans | $150,128,800 | 2,571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 4,190 |
| Cost of funding earning assets | 0.9387% | 1,930 |
| Net interest margin | 3.4251% | 4,944 |
| Noninterest income to average assets | 0.9542% | 1,660 |
| Noninterest expense to average assets | 2.9659% | 3,352 |
| Loan and lease loss provision to assets | 0.2066% | 3,007 |
| Net operating income to assets | 0.8131% | 3,384 |
| Return on assets (ROA) | 0.9023% | 3,204 |
| Pretax return on assets | 0.9433% | 3,947 |
| Return on Equity (ROE) | 9.6223% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.6223% | 1,021 |
| Net charge-offs to loans | 1.1967% | 817 |
| Credit loss provision to net charge-offs | 29.4161% | 4,808 |
| Earnings coverage of net charge-offs (x) | 1.5048% | 4,536 |
| Efficiency ratio | 73.7256% | 3,035 |
| Assets per employee ($millions) | 3.9106% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,473 |
| Loan loss allowance to noncurrent loans | 18.7744% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 7.6411% | 422 |
| Noncurrent loans to loans | 8.5862% | 349 |
| Net loans and leases to total assets | 57.6749% | 4,182 |
| Net loans and leases to deposits | 69.2628% | 3,992 |
| Net loans and leases to core deposits | 72.8212% | 4,152 |
| Total domestic deposits to total assets | 83.2697% | 4,532 |
| Equity capital to assets | 10.0538% | 4,418 |
| Core capital (leverage) ratio | 8.9886% | 5,087 |
| Tier 1 risk-based capital ratio | 14.3510% | 4,297 |
| Total risk-based capital ratio | 15.6042% | 4,267 |
| Memoranda: | ||
| Average total assets | $256,821,500 | 2,492 |
| Average earning assets | $230,097,250 | 2,524 |
| Average equity | $24,082,500 | 2,772 |
| Average total loans | $150,742,250 | 2,592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 4,428 |
| Cost of funding earning assets | 0.9814% | 1,873 |
| Net interest margin | 3.3552% | 5,249 |
| Noninterest income to average assets | 0.8778% | 1,869 |
| Noninterest expense to average assets | 2.7001% | 4,426 |
| Loan and lease loss provision to assets | 0.2173% | 2,900 |
| Net operating income to assets | 0.9281% | 2,771 |
| Return on assets (ROA) | 0.9445% | 2,943 |
| Pretax return on assets | 0.9864% | 3,759 |
| Return on Equity (ROE) | 10.3173% | 2,231 |
| Retained earnings to average equity (ytd only) | 10.3173% | 886 |
| Net charge-offs to loans | 1.0230% | 1,077 |
| Credit loss provision to net charge-offs | 36.1757% | 4,337 |
| Earnings coverage of net charge-offs (x) | 1.9755% | 3,990 |
| Efficiency ratio | 69.4688% | 3,855 |
| Assets per employee ($millions) | 4.0235% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,541 |
| Loan loss allowance to noncurrent loans | 21.4795% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 7.4359% | 493 |
| Noncurrent loans to loans | 8.8684% | 352 |
| Net loans and leases to total assets | 56.3739% | 4,409 |
| Net loans and leases to deposits | 69.4883% | 3,970 |
| Net loans and leases to core deposits | 73.5746% | 4,083 |
| Total domestic deposits to total assets | 81.1271% | 5,424 |
| Equity capital to assets | 9.4513% | 5,128 |
| Core capital (leverage) ratio | 8.6220% | 5,487 |
| Tier 1 risk-based capital ratio | 14.0482% | 4,415 |
| Total risk-based capital ratio | 15.3051% | 4,373 |
| Memoranda: | ||
| Average total assets | $257,698,000 | 2,481 |
| Average earning assets | $231,100,670 | 2,511 |
| Average equity | $23,591,330 | 2,799 |
| Average total loans | $151,320,670 | 2,599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 3,318 |
| Cost of funding earning assets | 1.0401% | 1,748 |
| Net interest margin | 3.5985% | 4,282 |
| Noninterest income to average assets | 0.8945% | 1,769 |
| Noninterest expense to average assets | 3.0291% | 3,157 |
| Loan and lease loss provision to assets | 0.1251% | 3,784 |
| Net operating income to assets | 0.9240% | 2,818 |
| Return on assets (ROA) | 0.9571% | 2,859 |
| Pretax return on assets | 0.9993% | 3,679 |
| Return on Equity (ROE) | 10.6305% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.6305% | 1,131 |
| Net charge-offs to loans | 1.8389% | 518 |
| Credit loss provision to net charge-offs | 11.4613% | 3,883 |
| Earnings coverage of net charge-offs (x) | 0.9986% | 3,830 |
| Efficiency ratio | 73.5383% | 3,172 |
| Assets per employee ($millions) | 3.9822% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,956 |
| Loan loss allowance to noncurrent loans | 20.9612% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 7.4347% | 547 |
| Noncurrent loans to loans | 8.6443% | 412 |
| Net loans and leases to total assets | 57.3424% | 4,156 |
| Net loans and leases to deposits | 70.4732% | 3,660 |
| Net loans and leases to core deposits | 74.8717% | 3,768 |
| Total domestic deposits to total assets | 81.3676% | 5,508 |
| Equity capital to assets | 9.0519% | 5,422 |
| Core capital (leverage) ratio | 8.6381% | 5,396 |
| Tier 1 risk-based capital ratio | 13.5064% | 4,822 |
| Total risk-based capital ratio | 14.7623% | 4,803 |
| Memoranda: | ||
| Average total assets | $255,782,500 | 2,510 |
| Average earning assets | $229,209,000 | 2,541 |
| Average equity | $23,028,000 | 2,850 |
| Average total loans | $151,832,500 | 2,605 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 2,811 |
| Cost of funding earning assets | 1.3171% | 1,401 |
| Net interest margin | 3.6978% | 4,304 |
| Noninterest income to average assets | 0.8097% | 2,004 |
| Noninterest expense to average assets | 2.7819% | 4,412 |
| Loan and lease loss provision to assets | 0.5972% | 1,733 |
| Net operating income to assets | 0.7163% | 3,411 |
| Return on assets (ROA) | 0.9295% | 2,602 |
| Pretax return on assets | 0.9392% | 3,472 |
| Return on Equity (ROE) | 10.6430% | 1,822 |
| Retained earnings to average equity (ytd only) | 8.9796% | 810 |
| Net charge-offs to loans | 1.4847% | 1,083 |
| Credit loss provision to net charge-offs | 65.1656% | 5,024 |
| Earnings coverage of net charge-offs (x) | 1.4415% | 4,688 |
| Efficiency ratio | 67.8008% | 4,398 |
| Assets per employee ($millions) | 3.8881% | 4,106 |
| Cash dividends to net income (ytd only)* | 15.6291% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 1,799 |
| Loan loss allowance to noncurrent loans | 25.3129% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 7.5268% | 581 |
| Noncurrent loans to loans | 8.6963% | 421 |
| Net loans and leases to total assets | 59.0143% | 4,194 |
| Net loans and leases to deposits | 72.5868% | 3,723 |
| Net loans and leases to core deposits | 77.7695% | 3,707 |
| Total domestic deposits to total assets | 81.3018% | 5,361 |
| Equity capital to assets | 8.9528% | 5,599 |
| Core capital (leverage) ratio | 8.4282% | 5,673 |
| Tier 1 risk-based capital ratio | 13.1694% | 4,941 |
| Total risk-based capital ratio | 14.4298% | 4,910 |
| Memoranda: | ||
| Average total assets | $247,133,600 | 2,553 |
| Average earning assets | $220,101,400 | 2,611 |
| Average equity | $21,582,200 | 2,936 |
| Average total loans | $152,559,000 | 2,606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 2,873 |
| Cost of funding earning assets | 1.3601% | 1,414 |
| Net interest margin | 3.6834% | 4,416 |
| Noninterest income to average assets | 0.7574% | 2,279 |
| Noninterest expense to average assets | 2.6933% | 4,756 |
| Loan and lease loss provision to assets | 0.2338% | 3,676 |
| Net operating income to assets | 1.0977% | 1,980 |
| Return on assets (ROA) | 1.1589% | 1,893 |
| Pretax return on assets | 1.1703% | 2,736 |
| Return on Equity (ROE) | 13.3572% | 1,194 |
| Retained earnings to average equity (ytd only) | 13.3572% | 348 |
| Net charge-offs to loans | 1.3344% | 1,138 |
| Credit loss provision to net charge-offs | 28.2253% | 5,438 |
| Earnings coverage of net charge-offs (x) | 1.6202% | 4,429 |
| Efficiency ratio | 66.7384% | 4,579 |
| Assets per employee ($millions) | 3.8703% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 2,371 |
| Loan loss allowance to noncurrent loans | 23.3663% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 7.5387% | 623 |
| Noncurrent loans to loans | 8.4949% | 498 |
| Net loans and leases to total assets | 59.8672% | 4,153 |
| Net loans and leases to deposits | 74.6765% | 3,561 |
| Net loans and leases to core deposits | 80.7690% | 3,519 |
| Total domestic deposits to total assets | 80.1687% | 5,685 |
| Equity capital to assets | 9.1972% | 5,519 |
| Core capital (leverage) ratio | 8.6244% | 5,512 |
| Tier 1 risk-based capital ratio | 13.4089% | 4,799 |
| Total risk-based capital ratio | 14.6672% | 4,768 |
| Memoranda: | ||
| Average total assets | $245,735,750 | 2,578 |
| Average earning assets | $218,707,750 | 2,644 |
| Average equity | $21,321,250 | 2,967 |
| Average total loans | $152,573,500 | 2,627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 3,029 |
| Cost of funding earning assets | 1.3985% | 1,427 |
| Net interest margin | 3.6286% | 4,613 |
| Noninterest income to average assets | 0.7547% | 2,237 |
| Noninterest expense to average assets | 2.7171% | 4,752 |
| Loan and lease loss provision to assets | 0.0665% | 5,474 |
| Net operating income to assets | 1.2002% | 1,568 |
| Return on assets (ROA) | 1.2937% | 1,408 |
| Pretax return on assets | 1.2937% | 2,154 |
| Return on Equity (ROE) | 15.2249% | 758 |
| Retained earnings to average equity (ytd only) | 15.2249% | 234 |
| Net charge-offs to loans | 2.0051% | 668 |
| Credit loss provision to net charge-offs | 5.3080% | 5,287 |
| Earnings coverage of net charge-offs (x) | 1.0118% | 4,535 |
| Efficiency ratio | 68.2043% | 4,479 |
| Assets per employee ($millions) | 3.8108% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 3,094 |
| Loan loss allowance to noncurrent loans | 25.6262% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 6.6801% | 787 |
| Noncurrent loans to loans | 6.9060% | 758 |
| Net loans and leases to total assets | 60.5236% | 4,179 |
| Net loans and leases to deposits | 75.3757% | 3,581 |
| Net loans and leases to core deposits | 83.4632% | 3,295 |
| Total domestic deposits to total assets | 80.2959% | 5,742 |
| Equity capital to assets | 8.9522% | 5,648 |
| Core capital (leverage) ratio | 8.5283% | 5,510 |
| Tier 1 risk-based capital ratio | 12.8574% | 5,038 |
| Total risk-based capital ratio | 14.1127% | 5,007 |
| Memoranda: | ||
| Average total assets | $243,792,000 | 2,613 |
| Average earning assets | $216,942,000 | 2,676 |
| Average equity | $20,716,000 | 3,034 |
| Average total loans | $152,212,670 | 2,655 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 2,562 |
| Cost of funding earning assets | 1.4493% | 1,389 |
| Net interest margin | 3.6697% | 4,248 |
| Noninterest income to average assets | 0.7724% | 2,143 |
| Noninterest expense to average assets | 2.9855% | 3,701 |
| Loan and lease loss provision to assets | 0.1224% | 4,477 |
| Net operating income to assets | 0.9229% | 2,470 |
| Return on assets (ROA) | 1.1115% | 1,858 |
| Pretax return on assets | 1.1115% | 2,719 |
| Return on Equity (ROE) | 13.4491% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.4491% | 524 |
| Net charge-offs to loans | 0.2395% | 3,118 |
| Credit loss provision to net charge-offs | 81.3187% | 3,133 |
| Earnings coverage of net charge-offs (x) | 6.9451% | 2,026 |
| Efficiency ratio | 74.0665% | 3,502 |
| Assets per employee ($millions) | 3.7211% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7307% | 1,179 |
| Loan loss allowance to noncurrent loans | 63.5329% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 5.2362% | 1,189 |
| Noncurrent loans to loans | 4.2982% | 1,653 |
| Net loans and leases to total assets | 60.8070% | 4,113 |
| Net loans and leases to deposits | 75.4908% | 3,496 |
| Net loans and leases to core deposits | 82.8704% | 3,329 |
| Total domestic deposits to total assets | 80.5488% | 5,805 |
| Equity capital to assets | 8.4057% | 6,044 |
| Core capital (leverage) ratio | 8.2685% | 5,871 |
| Tier 1 risk-based capital ratio | 12.5970% | 5,173 |
| Total risk-based capital ratio | 13.8635% | 5,134 |
| Memoranda: | ||
| Average total assets | $241,835,500 | 2,645 |
| Average earning assets | $214,731,500 | 2,729 |
| Average equity | $19,986,500 | 3,119 |
| Average total loans | $152,008,500 | 2,685 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 2,596 |
| Cost of funding earning assets | 1.7737% | 1,281 |
| Net interest margin | 3.6435% | 4,605 |
| Noninterest income to average assets | 0.9968% | 1,511 |
| Noninterest expense to average assets | 2.8446% | 4,423 |
| Loan and lease loss provision to assets | 1.7650% | 791 |
| Net operating income to assets | -0.4152% | 6,329 |
| Return on assets (ROA) | -0.2782% | 6,238 |
| Pretax return on assets | -0.2559% | 6,129 |
| Return on Equity (ROE) | -3.0724% | 6,279 |
| Retained earnings to average equity (ytd only) | -5.4162% | 6,343 |
| Net charge-offs to loans | 1.0586% | 2,089 |
| Credit loss provision to net charge-offs | 253.9299% | 1,113 |
| Earnings coverage of net charge-offs (x) | 1.9740% | 4,250 |
| Efficiency ratio | 67.4606% | 4,676 |
| Assets per employee ($millions) | 3.7200% | 4,415 |
| Cash dividends to net income (ytd only)* | -76.2840% | 7,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7131% | 1,148 |
| Loan loss allowance to noncurrent loans | 84.3540% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 4.6870% | 1,406 |
| Noncurrent loans to loans | 3.2163% | 2,361 |
| Net loans and leases to total assets | 61.4837% | 4,398 |
| Net loans and leases to deposits | 76.0760% | 3,824 |
| Net loans and leases to core deposits | 85.7834% | 3,349 |
| Total domestic deposits to total assets | 80.8188% | 5,582 |
| Equity capital to assets | 8.1233% | 6,354 |
| Core capital (leverage) ratio | 7.9040% | 6,310 |
| Tier 1 risk-based capital ratio | 11.8991% | 5,570 |
| Total risk-based capital ratio | 13.1651% | 5,532 |
| Memoranda: | ||
| Average total assets | $237,959,400 | 2,662 |
| Average earning assets | $210,289,600 | 2,754 |
| Average equity | $21,546,400 | 2,941 |
| Average total loans | $156,239,600 | 2,667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 2,373 |
| Cost of funding earning assets | 1.8183% | 1,350 |
| Net interest margin | 3.6971% | 4,409 |
| Noninterest income to average assets | 0.8979% | 1,804 |
| Noninterest expense to average assets | 2.7864% | 4,548 |
| Loan and lease loss provision to assets | 0.7831% | 1,947 |
| Net operating income to assets | 0.5660% | 4,026 |
| Return on assets (ROA) | 0.7415% | 3,400 |
| Pretax return on assets | 0.7747% | 3,993 |
| Return on Equity (ROE) | 7.9795% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.9795% | 1,427 |
| Net charge-offs to loans | 0.4396% | 3,541 |
| Credit loss provision to net charge-offs | 268.7259% | 1,225 |
| Earnings coverage of net charge-offs (x) | 4.7181% | 2,947 |
| Efficiency ratio | 66.9596% | 4,662 |
| Assets per employee ($millions) | 3.7392% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 3,557 |
| Loan loss allowance to noncurrent loans | 60.6224% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 4.4827% | 1,515 |
| Noncurrent loans to loans | 2.6253% | 2,998 |
| Net loans and leases to total assets | 62.9398% | 4,340 |
| Net loans and leases to deposits | 79.2154% | 3,597 |
| Net loans and leases to core deposits | 89.8878% | 3,107 |
| Total domestic deposits to total assets | 79.4540% | 5,886 |
| Equity capital to assets | 9.4579% | 4,912 |
| Core capital (leverage) ratio | 9.0612% | 4,587 |
| Tier 1 risk-based capital ratio | 13.0544% | 4,536 |
| Total risk-based capital ratio | 14.3070% | 4,512 |
| Memoranda: | ||
| Average total assets | $236,999,500 | 2,706 |
| Average earning assets | $209,203,000 | 2,800 |
| Average equity | $22,022,500 | 2,918 |
| Average total loans | $157,096,250 | 2,700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5740% | 2,234 |
| Cost of funding earning assets | 1.8587% | 1,388 |
| Net interest margin | 3.7154% | 4,293 |
| Noninterest income to average assets | 0.9218% | 1,613 |
| Noninterest expense to average assets | 2.6172% | 5,255 |
| Loan and lease loss provision to assets | 0.8060% | 1,793 |
| Net operating income to assets | 0.7422% | 3,228 |
| Return on assets (ROA) | 0.8239% | 3,003 |
| Pretax return on assets | 0.8605% | 3,657 |
| Return on Equity (ROE) | 8.9212% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.9212% | 1,129 |
| Net charge-offs to loans | 0.2449% | 4,131 |
| Credit loss provision to net charge-offs | 490.6736% | 757 |
| Earnings coverage of net charge-offs (x) | 9.6269% | 1,996 |
| Efficiency ratio | 62.3353% | 5,635 |
| Assets per employee ($millions) | 3.6380% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,932 |
| Loan loss allowance to noncurrent loans | 64.3169% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 4.2783% | 1,566 |
| Noncurrent loans to loans | 2.3342% | 3,331 |
| Net loans and leases to total assets | 65.3140% | 3,981 |
| Net loans and leases to deposits | 82.8922% | 3,098 |
| Net loans and leases to core deposits | 94.3655% | 2,660 |
| Total domestic deposits to total assets | 78.7939% | 6,086 |
| Equity capital to assets | 9.4930% | 4,708 |
| Core capital (leverage) ratio | 9.0930% | 4,472 |
| Tier 1 risk-based capital ratio | 12.5218% | 4,839 |
| Total risk-based capital ratio | 13.7732% | 4,809 |
| Memoranda: | ||
| Average total assets | $234,984,330 | 2,753 |
| Average earning assets | $207,246,330 | 2,844 |
| Average equity | $21,701,000 | 2,947 |
| Average total loans | $157,646,330 | 2,727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 2,303 |
| Cost of funding earning assets | 1.8942% | 1,475 |
| Net interest margin | 3.6720% | 4,384 |
| Noninterest income to average assets | 0.9033% | 1,610 |
| Noninterest expense to average assets | 2.9559% | 3,835 |
| Loan and lease loss provision to assets | 0.4901% | 2,538 |
| Net operating income to assets | 0.6617% | 3,607 |
| Return on assets (ROA) | 0.7650% | 3,249 |
| Pretax return on assets | 0.7992% | 3,868 |
| Return on Equity (ROE) | 8.4023% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.4023% | 1,561 |
| Net charge-offs to loans | 0.2758% | 3,313 |
| Credit loss provision to net charge-offs | 263.3028% | 1,493 |
| Earnings coverage of net charge-offs (x) | 6.3486% | 2,238 |
| Efficiency ratio | 71.4404% | 4,037 |
| Assets per employee ($millions) | 3.6327% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 5,859 |
| Loan loss allowance to noncurrent loans | 40.3175% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 4.5620% | 1,477 |
| Noncurrent loans to loans | 2.8059% | 2,858 |
| Net loans and leases to total assets | 65.8082% | 3,908 |
| Net loans and leases to deposits | 83.1973% | 3,075 |
| Net loans and leases to core deposits | 95.2986% | 2,664 |
| Total domestic deposits to total assets | 79.0990% | 6,054 |
| Equity capital to assets | 9.0993% | 5,135 |
| Core capital (leverage) ratio | 9.0371% | 4,500 |
| Tier 1 risk-based capital ratio | 12.1646% | 5,023 |
| Total risk-based capital ratio | 13.1943% | 5,215 |
| Memoranda: | ||
| Average total assets | $234,241,500 | 2,822 |
| Average earning assets | $206,318,500 | 2,918 |
| Average equity | $21,327,500 | 3,027 |
| Average total loans | $158,068,500 | 2,779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8446% | 2,465 |
| Cost of funding earning assets | 2.3617% | 1,418 |
| Net interest margin | 3.4829% | 5,026 |
| Noninterest income to average assets | 0.9407% | 1,786 |
| Noninterest expense to average assets | 2.9730% | 4,254 |
| Loan and lease loss provision to assets | 0.9313% | 2,418 |
| Net operating income to assets | 0.1241% | 5,133 |
| Return on assets (ROA) | 0.3153% | 4,557 |
| Pretax return on assets | 0.3294% | 4,692 |
| Return on Equity (ROE) | 3.5166% | 4,284 |
| Retained earnings to average equity (ytd only) | 2.0641% | 3,662 |
| Net charge-offs to loans | 1.4887% | 1,682 |
| Credit loss provision to net charge-offs | 92.1968% | 5,932 |
| Earnings coverage of net charge-offs (x) | 1.0509% | 5,064 |
| Efficiency ratio | 73.6887% | 3,964 |
| Assets per employee ($millions) | 3.4680% | 5,080 |
| Cash dividends to net income (ytd only)* | 41.3043% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,335 |
| Loan loss allowance to noncurrent loans | 29.7508% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 4.9097% | 1,266 |
| Noncurrent loans to loans | 3.3831% | 2,259 |
| Net loans and leases to total assets | 67.7271% | 3,761 |
| Net loans and leases to deposits | 85.7629% | 2,954 |
| Net loans and leases to core deposits | 108.2974% | 3,069 |
| Total domestic deposits to total assets | 78.9702% | 5,988 |
| Equity capital to assets | 9.1106% | 4,972 |
| Core capital (leverage) ratio | 8.8551% | 4,673 |
| Tier 1 risk-based capital ratio | 11.7297% | 5,169 |
| Total risk-based capital ratio | 12.6426% | 5,474 |
| Memoranda: | ||
| Average total assets | $233,436,800 | 2,787 |
| Average earning assets | $207,355,000 | 2,867 |
| Average equity | $20,929,200 | 3,082 |
| Average total loans | $158,393,600 | 2,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 2,631 |
| Cost of funding earning assets | 2.4577% | 1,420 |
| Net interest margin | 3.4018% | 5,256 |
| Noninterest income to average assets | 0.9025% | 1,972 |
| Noninterest expense to average assets | 3.0060% | 4,022 |
| Loan and lease loss provision to assets | 0.7679% | 2,450 |
| Net operating income to assets | 0.1497% | 5,323 |
| Return on assets (ROA) | 0.4011% | 4,498 |
| Pretax return on assets | 0.4187% | 4,745 |
| Return on Equity (ROE) | 4.4913% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.4913% | 2,762 |
| Net charge-offs to loans | 1.3607% | 1,513 |
| Credit loss provision to net charge-offs | 83.3437% | 5,665 |
| Earnings coverage of net charge-offs (x) | 1.0037% | 5,046 |
| Efficiency ratio | 76.4731% | 3,421 |
| Assets per employee ($millions) | 3.4511% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,595 |
| Loan loss allowance to noncurrent loans | 24.1935% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 5.0176% | 1,165 |
| Noncurrent loans to loans | 3.8837% | 1,903 |
| Net loans and leases to total assets | 69.0757% | 3,697 |
| Net loans and leases to deposits | 87.9119% | 2,978 |
| Net loans and leases to core deposits | 109.5623% | 3,288 |
| Total domestic deposits to total assets | 78.5738% | 5,936 |
| Equity capital to assets | 9.2269% | 5,120 |
| Core capital (leverage) ratio | 8.9579% | 4,710 |
| Tier 1 risk-based capital ratio | 11.8935% | 5,070 |
| Total risk-based capital ratio | 12.7586% | 5,370 |
| Memoranda: | ||
| Average total assets | $233,707,000 | 2,795 |
| Average earning assets | $208,044,500 | 2,880 |
| Average equity | $20,869,250 | 3,112 |
| Average total loans | $158,250,000 | 2,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8379% | 2,856 |
| Cost of funding earning assets | 2.5488% | 1,454 |
| Net interest margin | 3.2891% | 5,597 |
| Noninterest income to average assets | 0.9133% | 1,929 |
| Noninterest expense to average assets | 3.0341% | 3,956 |
| Loan and lease loss provision to assets | 0.2976% | 4,181 |
| Net operating income to assets | 0.4823% | 4,161 |
| Return on assets (ROA) | 0.5244% | 4,117 |
| Pretax return on assets | 0.5509% | 4,467 |
| Return on Equity (ROE) | 5.9380% | 3,679 |
| Retained earnings to average equity (ytd only) | 5.9380% | 2,048 |
| Net charge-offs to loans | 0.8610% | 1,968 |
| Credit loss provision to net charge-offs | 51.5510% | 5,746 |
| Earnings coverage of net charge-offs (x) | 1.3929% | 4,486 |
| Efficiency ratio | 79.0491% | 3,189 |
| Assets per employee ($millions) | 3.5033% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 6,797 |
| Loan loss allowance to noncurrent loans | 20.8149% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 4.3558% | 1,316 |
| Noncurrent loans to loans | 4.3008% | 1,526 |
| Net loans and leases to total assets | 68.6722% | 4,028 |
| Net loans and leases to deposits | 86.9698% | 3,363 |
| Net loans and leases to core deposits | 108.1937% | 3,589 |
| Total domestic deposits to total assets | 78.9610% | 5,826 |
| Equity capital to assets | 9.0047% | 5,307 |
| Core capital (leverage) ratio | 8.6597% | 5,168 |
| Tier 1 risk-based capital ratio | 11.9777% | 4,943 |
| Total risk-based capital ratio | 12.8186% | 5,247 |
| Memoranda: | ||
| Average total assets | $234,534,000 | 2,807 |
| Average earning assets | $208,569,330 | 2,889 |
| Average equity | $20,714,000 | 3,140 |
| Average total loans | $157,254,670 | 2,873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 4,375 |
| Cost of funding earning assets | 2.6614% | 1,370 |
| Net interest margin | 2.9350% | 6,658 |
| Noninterest income to average assets | 0.9213% | 1,769 |
| Noninterest expense to average assets | 2.9449% | 3,992 |
| Loan and lease loss provision to assets | 0.1228% | 5,393 |
| Net operating income to assets | 0.4521% | 4,646 |
| Return on assets (ROA) | 0.4521% | 4,814 |
| Pretax return on assets | 0.4709% | 5,170 |
| Return on Equity (ROE) | 5.1700% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.1700% | 3,028 |
| Net charge-offs to loans | 0.2381% | 3,210 |
| Credit loss provision to net charge-offs | 78.2609% | 4,218 |
| Earnings coverage of net charge-offs (x) | 3.7826% | 3,068 |
| Efficiency ratio | 83.2208% | 2,387 |
| Assets per employee ($millions) | 3.5820% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,227 |
| Loan loss allowance to noncurrent loans | 27.5238% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 3.8105% | 1,385 |
| Noncurrent loans to loans | 4.1215% | 1,450 |
| Net loans and leases to total assets | 64.0587% | 4,978 |
| Net loans and leases to deposits | 80.5081% | 4,534 |
| Net loans and leases to core deposits | 100.4554% | 4,497 |
| Total domestic deposits to total assets | 79.5681% | 5,518 |
| Equity capital to assets | 8.7505% | 5,693 |
| Core capital (leverage) ratio | 8.6666% | 5,220 |
| Tier 1 risk-based capital ratio | 12.0896% | 4,884 |
| Total risk-based capital ratio | 13.1355% | 4,960 |
| Memoranda: | ||
| Average total assets | $234,440,500 | 2,825 |
| Average earning assets | $209,059,500 | 2,895 |
| Average equity | $20,503,000 | 3,189 |
| Average total loans | $154,560,000 | 2,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6168% | 2,403 |
| Cost of funding earning assets | 3.0864% | 1,548 |
| Net interest margin | 3.5304% | 5,188 |
| Noninterest income to average assets | 0.8296% | 2,351 |
| Noninterest expense to average assets | 2.8514% | 4,599 |
| Loan and lease loss provision to assets | 0.1923% | 4,963 |
| Net operating income to assets | 0.9281% | 2,883 |
| Return on assets (ROA) | 0.9511% | 2,647 |
| Pretax return on assets | 0.9925% | 3,407 |
| Return on Equity (ROE) | 10.4693% | 2,097 |
| Retained earnings to average equity (ytd only) | 5.5968% | 1,715 |
| Net charge-offs to loans | 0.1490% | 4,719 |
| Credit loss provision to net charge-offs | 185.7778% | 2,665 |
| Earnings coverage of net charge-offs (x) | 11.2133% | 2,397 |
| Efficiency ratio | 71.0665% | 4,120 |
| Assets per employee ($millions) | 3.3172% | 5,170 |
| Cash dividends to net income (ytd only)* | 46.5409% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,836 |
| Loan loss allowance to noncurrent loans | 75.8181% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.3829% | 2,040 |
| Noncurrent loans to loans | 1.5317% | 3,495 |
| Net loans and leases to total assets | 66.3362% | 4,788 |
| Net loans and leases to deposits | 83.8676% | 4,440 |
| Net loans and leases to core deposits | 103.1860% | 4,482 |
| Total domestic deposits to total assets | 79.0964% | 5,341 |
| Equity capital to assets | 8.7402% | 5,749 |
| Core capital (leverage) ratio | 8.8194% | 5,009 |
| Tier 1 risk-based capital ratio | 12.0825% | 4,754 |
| Total risk-based capital ratio | 13.1536% | 4,801 |
| Memoranda: | ||
| Average total assets | $217,332,600 | 2,909 |
| Average earning assets | $195,924,400 | 2,942 |
| Average equity | $19,743,400 | 3,269 |
| Average total loans | $151,048,400 | 2,908 |