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 | 4.0108% | 4,268 |
| Cost of funding earning assets | 0.7649% | 4,156 |
| Net interest margin | 3.2459% | 2,895 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.2903% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9825% | 2,319 |
| Return on assets (ROA) | 0.9618% | 2,387 |
| Pretax return on assets | 1.1808% | 2,290 |
| Return on Equity (ROE) | 17.8700% | 660 |
| Retained earnings to average equity (ytd only) | 17.8676% | 241 |
| Net charge-offs to loans | 0.0130% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 379 |
| Efficiency ratio | 65.5013% | 2,313 |
| Assets per employee ($millions) | 6.2247% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 3,399 |
| Loan loss allowance to noncurrent loans | 105.3935% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 1,854 |
| Noncurrent loans to loans | 0.9131% | 1,167 |
| Net loans and leases to total assets | 40.2200% | 3,967 |
| Net loans and leases to deposits | 42.8129% | 4,069 |
| Net loans and leases to core deposits | 43.9382% | 4,099 |
| Total domestic deposits to total assets | 93.9400% | 76 |
| Equity capital to assets | 5.7152% | 4,291 |
| Core capital (leverage) ratio | 9.0245% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8772% | 678 |
| Memoranda: | ||
| Average total assets | $297,775,000 | 2,489 |
| Average earning assets | $281,341,500 | 2,470 |
| Average equity | $16,029,000 | 3,286 |
| Average total loans | $122,919,000 | 2,999 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 4,288 |
| Cost of funding earning assets | 0.9224% | 4,088 |
| Net interest margin | 3.0625% | 3,037 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.2231% | 3,055 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.9070% | 2,361 |
| Return on assets (ROA) | 0.8885% | 2,435 |
| Pretax return on assets | 1.0447% | 2,401 |
| Return on Equity (ROE) | 17.0000% | 669 |
| Retained earnings to average equity (ytd only) | 11.2065% | 405 |
| Net charge-offs to loans | 0.0323% | 1,933 |
| Credit loss provision to net charge-offs | 268.4211% | 947 |
| Earnings coverage of net charge-offs (x) | 85.1579% | 900 |
| Efficiency ratio | 66.8748% | 2,382 |
| Assets per employee ($millions) | 6.1817% | 2,737 |
| Cash dividends to net income (ytd only)* | 34.0866% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,327 |
| Loan loss allowance to noncurrent loans | 155.9322% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 2,194 |
| Noncurrent loans to loans | 0.6288% | 1,541 |
| Net loans and leases to total assets | 41.5700% | 3,956 |
| Net loans and leases to deposits | 43.9242% | 4,069 |
| Net loans and leases to core deposits | 44.9930% | 4,110 |
| Total domestic deposits to total assets | 94.6400% | 74 |
| Equity capital to assets | 5.0341% | 4,343 |
| Core capital (leverage) ratio | 8.7496% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9422% | 772 |
| Memoranda: | ||
| Average total assets | $293,864,600 | 2,495 |
| Average earning assets | $279,474,800 | 2,462 |
| Average equity | $15,357,200 | 3,313 |
| Average total loans | $117,730,400 | 3,026 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,345 |
| Cost of funding earning assets | 0.9398% | 4,092 |
| Net interest margin | 2.9472% | 3,209 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.1862% | 3,113 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.8488% | 2,534 |
| Return on assets (ROA) | 0.8239% | 2,632 |
| Pretax return on assets | 0.9542% | 2,672 |
| Return on Equity (ROE) | 15.6200% | 867 |
| Retained earnings to average equity (ytd only) | 15.6238% | 213 |
| Net charge-offs to loans | 0.0354% | 1,625 |
| Credit loss provision to net charge-offs | 306.4516% | 836 |
| Earnings coverage of net charge-offs (x) | 73.1613% | 977 |
| Efficiency ratio | 68.0563% | 2,259 |
| Assets per employee ($millions) | 6.6497% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,278 |
| Loan loss allowance to noncurrent loans | 102.5729% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,711 |
| Noncurrent loans to loans | 0.9710% | 1,031 |
| Net loans and leases to total assets | 39.7300% | 4,038 |
| Net loans and leases to deposits | 42.5193% | 4,143 |
| Net loans and leases to core deposits | 43.4080% | 4,182 |
| Total domestic deposits to total assets | 93.4400% | 63 |
| Equity capital to assets | 6.2596% | 4,289 |
| Core capital (leverage) ratio | 9.5251% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0800% | 587 |
| Memoranda: | ||
| Average total assets | $294,696,000 | 2,487 |
| Average earning assets | $280,890,750 | 2,450 |
| Average equity | $15,540,000 | 3,297 |
| Average total loans | $116,668,500 | 3,030 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 4,338 |
| Cost of funding earning assets | 0.9344% | 4,090 |
| Net interest margin | 2.9690% | 3,113 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.1734% | 3,151 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8603% | 2,416 |
| Return on assets (ROA) | 0.8247% | 2,558 |
| Pretax return on assets | 0.9837% | 2,528 |
| Return on Equity (ROE) | 16.7000% | 746 |
| Retained earnings to average equity (ytd only) | 16.7031% | 210 |
| Net charge-offs to loans | 0.0450% | 1,339 |
| Credit loss provision to net charge-offs | 53.8462% | 1,795 |
| Earnings coverage of net charge-offs (x) | 58.3846% | 1,026 |
| Efficiency ratio | 67.7296% | 2,360 |
| Assets per employee ($millions) | 6.0516% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,486 |
| Loan loss allowance to noncurrent loans | 85.7580% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 1,473 |
| Noncurrent loans to loans | 1.1149% | 818 |
| Net loans and leases to total assets | 39.1300% | 4,062 |
| Net loans and leases to deposits | 41.3135% | 4,173 |
| Net loans and leases to core deposits | 42.0598% | 4,200 |
| Total domestic deposits to total assets | 94.7100% | 54 |
| Equity capital to assets | 5.0076% | 4,370 |
| Core capital (leverage) ratio | 8.8455% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6542% | 619 |
| Memoranda: | ||
| Average total assets | $293,182,000 | 2,485 |
| Average earning assets | $279,955,667 | 2,446 |
| Average equity | $14,476,333 | 3,354 |
| Average total loans | $115,529,667 | 3,043 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,429 |
| Cost of funding earning assets | 0.9071% | 4,095 |
| Net interest margin | 2.7414% | 3,482 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.1735% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7080% | 2,822 |
| Return on assets (ROA) | 0.6655% | 2,980 |
| Pretax return on assets | 0.7698% | 2,994 |
| Return on Equity (ROE) | 13.5800% | 1,223 |
| Retained earnings to average equity (ytd only) | 13.5759% | 543 |
| Net charge-offs to loans | 0.0105% | 1,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 418 |
| Efficiency ratio | 72.6272% | 1,885 |
| Assets per employee ($millions) | 5.9161% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,394 |
| Loan loss allowance to noncurrent loans | 94.7148% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 1,526 |
| Noncurrent loans to loans | 1.0351% | 827 |
| Net loans and leases to total assets | 38.5500% | 4,073 |
| Net loans and leases to deposits | 40.6167% | 4,166 |
| Net loans and leases to core deposits | 41.1936% | 4,253 |
| Total domestic deposits to total assets | 94.9100% | 74 |
| Equity capital to assets | 4.7687% | 4,401 |
| Core capital (leverage) ratio | 9.2410% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1061% | 600 |
| Memoranda: | ||
| Average total assets | $291,508,500 | 2,503 |
| Average earning assets | $279,999,000 | 2,452 |
| Average equity | $14,290,000 | 3,375 |
| Average total loans | $114,724,000 | 3,055 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4829% | 4,399 |
| Cost of funding earning assets | 0.4476% | 4,249 |
| Net interest margin | 3.0353% | 3,212 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2407% | 3,004 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8894% | 2,580 |
| Return on assets (ROA) | 0.8887% | 2,555 |
| Pretax return on assets | 1.0409% | 2,561 |
| Return on Equity (ROE) | 20.6900% | 555 |
| Retained earnings to average equity (ytd only) | 13.3776% | 464 |
| Net charge-offs to loans | 0.0301% | 1,704 |
| Credit loss provision to net charge-offs | 45.4545% | 2,212 |
| Earnings coverage of net charge-offs (x) | 87.3939% | 970 |
| Efficiency ratio | 68.1537% | 2,094 |
| Assets per employee ($millions) | 6.6794% | 2,286 |
| Cash dividends to net income (ytd only)* | 35.3350% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,363 |
| Loan loss allowance to noncurrent loans | 124.6696% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 1,682 |
| Noncurrent loans to loans | 0.7944% | 979 |
| Net loans and leases to total assets | 39.4000% | 4,060 |
| Net loans and leases to deposits | 41.6019% | 4,158 |
| Net loans and leases to core deposits | 42.2774% | 4,246 |
| Total domestic deposits to total assets | 94.7100% | 67 |
| Equity capital to assets | 5.0395% | 4,406 |
| Core capital (leverage) ratio | 9.0511% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8107% | 621 |
| Memoranda: | ||
| Average total assets | $275,446,200 | 2,548 |
| Average earning assets | $263,429,800 | 2,503 |
| Average equity | $11,833,200 | 3,543 |
| Average total loans | $109,746,600 | 3,065 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 4,441 |
| Cost of funding earning assets | 0.3554% | 4,310 |
| Net interest margin | 2.9816% | 3,372 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.2145% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8796% | 2,753 |
| Return on assets (ROA) | 0.8787% | 2,742 |
| Pretax return on assets | 1.0216% | 2,793 |
| Return on Equity (ROE) | 21.4300% | 601 |
| Retained earnings to average equity (ytd only) | 21.4321% | 215 |
| Net charge-offs to loans | 0.0233% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 881 |
| Efficiency ratio | 68.4099% | 1,973 |
| Assets per employee ($millions) | 5.5605% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,285 |
| Loan loss allowance to noncurrent loans | 106.7989% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 1,485 |
| Noncurrent loans to loans | 0.9509% | 867 |
| Net loans and leases to total assets | 40.4600% | 4,035 |
| Net loans and leases to deposits | 42.1207% | 4,159 |
| Net loans and leases to core deposits | 42.7607% | 4,199 |
| Total domestic deposits to total assets | 96.0600% | 77 |
| Equity capital to assets | 3.6610% | 4,439 |
| Core capital (leverage) ratio | 9.7488% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1846% | 614 |
| Memoranda: | ||
| Average total assets | $272,504,500 | 2,567 |
| Average earning assets | $260,345,250 | 2,521 |
| Average equity | $11,173,000 | 3,604 |
| Average total loans | $108,610,000 | 3,078 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 4,465 |
| Cost of funding earning assets | 0.3170% | 4,287 |
| Net interest margin | 2.9762% | 3,493 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.2068% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8856% | 2,806 |
| Return on assets (ROA) | 0.8843% | 2,800 |
| Pretax return on assets | 1.0260% | 2,838 |
| Return on Equity (ROE) | 20.8300% | 626 |
| Retained earnings to average equity (ytd only) | 20.8255% | 221 |
| Net charge-offs to loans | 0.0130% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 610 |
| Efficiency ratio | 68.2324% | 1,960 |
| Assets per employee ($millions) | 5.5453% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,191 |
| Loan loss allowance to noncurrent loans | 112.7219% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,427 |
| Noncurrent loans to loans | 0.9313% | 824 |
| Net loans and leases to total assets | 39.6500% | 4,051 |
| Net loans and leases to deposits | 41.5966% | 4,171 |
| Net loans and leases to core deposits | 41.9399% | 4,215 |
| Total domestic deposits to total assets | 95.3200% | 78 |
| Equity capital to assets | 4.3898% | 4,459 |
| Core capital (leverage) ratio | 9.1259% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0035% | 637 |
| Memoranda: | ||
| Average total assets | $272,518,000 | 2,574 |
| Average earning assets | $260,598,000 | 2,526 |
| Average equity | $11,572,333 | 3,584 |
| Average total loans | $107,690,667 | 3,085 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0891% | 4,533 |
| Cost of funding earning assets | 0.2760% | 4,241 |
| Net interest margin | 2.8132% | 3,932 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.1853% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7786% | 3,263 |
| Return on assets (ROA) | 0.7812% | 3,205 |
| Pretax return on assets | 0.8896% | 3,270 |
| Return on Equity (ROE) | 18.7100% | 924 |
| Retained earnings to average equity (ytd only) | 18.7108% | 456 |
| Net charge-offs to loans | 0.0373% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 1,011 |
| Efficiency ratio | 71.1355% | 1,620 |
| Assets per employee ($millions) | 5.5394% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,201 |
| Loan loss allowance to noncurrent loans | 116.9231% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 1,435 |
| Noncurrent loans to loans | 0.9152% | 825 |
| Net loans and leases to total assets | 38.8300% | 4,087 |
| Net loans and leases to deposits | 40.7129% | 4,202 |
| Net loans and leases to core deposits | 41.2325% | 4,238 |
| Total domestic deposits to total assets | 95.3800% | 75 |
| Equity capital to assets | 4.3753% | 4,514 |
| Core capital (leverage) ratio | 9.2009% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8024% | 680 |
| Memoranda: | ||
| Average total assets | $272,917,000 | 2,599 |
| Average earning assets | $260,915,500 | 2,556 |
| Average equity | $11,394,500 | 3,633 |
| Average total loans | $107,098,000 | 3,121 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7862% | 4,335 |
| Cost of funding earning assets | 0.2090% | 3,684 |
| Net interest margin | 2.5772% | 4,201 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.0475% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7061% | 3,605 |
| Return on assets (ROA) | 0.7031% | 3,559 |
| Pretax return on assets | 0.7790% | 3,673 |
| Return on Equity (ROE) | 13.1200% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.7074% | 1,954 |
| Net charge-offs to loans | 0.0069% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 304.8571% | 482 |
| Efficiency ratio | 72.3539% | 1,402 |
| Assets per employee ($millions) | 5.6001% | 3,125 |
| Cash dividends to net income (ytd only)* | 41.2409% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,045 |
| Loan loss allowance to noncurrent loans | 145.9391% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 1,710 |
| Noncurrent loans to loans | 0.7319% | 1,025 |
| Net loans and leases to total assets | 38.8100% | 4,109 |
| Net loans and leases to deposits | 40.5030% | 4,229 |
| Net loans and leases to core deposits | 40.7794% | 4,259 |
| Total domestic deposits to total assets | 95.8300% | 89 |
| Equity capital to assets | 3.9770% | 4,522 |
| Core capital (leverage) ratio | 8.7795% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8485% | 736 |
| Memoranda: | ||
| Average total assets | $272,775,400 | 2,590 |
| Average earning assets | $261,215,400 | 2,543 |
| Average equity | $14,622,400 | 3,401 |
| Average total loans | $101,993,800 | 3,123 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6523% | 4,338 |
| Cost of funding earning assets | 0.2146% | 3,094 |
| Net interest margin | 2.4376% | 4,279 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.9953% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6385% | 3,728 |
| Return on assets (ROA) | 0.6344% | 3,691 |
| Pretax return on assets | 0.6892% | 3,821 |
| Return on Equity (ROE) | 11.1100% | 2,331 |
| Retained earnings to average equity (ytd only) | 11.1124% | 1,022 |
| Net charge-offs to loans | -0.0013% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2035% | 1,256 |
| Assets per employee ($millions) | 5.8085% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 2,985 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 1,285 |
| Noncurrent loans to loans | 1.1060% | 678 |
| Net loans and leases to total assets | 37.9300% | 4,149 |
| Net loans and leases to deposits | 39.3020% | 4,260 |
| Net loans and leases to core deposits | 39.3471% | 4,298 |
| Total domestic deposits to total assets | 96.5000% | 98 |
| Equity capital to assets | 3.2220% | 4,574 |
| Core capital (leverage) ratio | 9.0030% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1174% | 719 |
| Memoranda: | ||
| Average total assets | $272,368,250 | 2,612 |
| Average earning assets | $260,900,750 | 2,566 |
| Average equity | $15,549,750 | 3,362 |
| Average total loans | $100,577,750 | 3,149 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5630% | 4,315 |
| Cost of funding earning assets | 0.2229% | 2,611 |
| Net interest margin | 2.3401% | 4,289 |
| Noninterest income to average assets | 0.3417% | 3,113 |
| Noninterest expense to average assets | 1.9988% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5592% | 3,738 |
| Return on assets (ROA) | 0.5592% | 3,689 |
| Pretax return on assets | 0.5879% | 3,838 |
| Return on Equity (ROE) | 8.5501% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.5501% | 1,414 |
| Net charge-offs to loans | 0.0020% | 2,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 800.0000% | 173 |
| Efficiency ratio | 77.2727% | 1,150 |
| Assets per employee ($millions) | 5.3305% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,093 |
| Loan loss allowance to noncurrent loans | 83.0338% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 1,091 |
| Noncurrent loans to loans | 1.3461% | 575 |
| Net loans and leases to total assets | 38.3387% | 4,154 |
| Net loans and leases to deposits | 40.8591% | 4,239 |
| Net loans and leases to core deposits | 40.9085% | 4,299 |
| Total domestic deposits to total assets | 93.8314% | 316 |
| Equity capital to assets | 3.9587% | 4,627 |
| Core capital (leverage) ratio | 8.6212% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7450% | 749 |
| Memoranda: | ||
| Average total assets | $272,158,000 | 2,635 |
| Average earning assets | $261,097,000 | 2,593 |
| Average equity | $17,801,000 | 3,253 |
| Average total loans | $99,204,333 | 3,199 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5143% | 4,249 |
| Cost of funding earning assets | 0.2315% | 2,378 |
| Net interest margin | 2.2829% | 4,261 |
| Noninterest income to average assets | 0.3258% | 3,151 |
| Noninterest expense to average assets | 1.9871% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5120% | 3,679 |
| Return on assets (ROA) | 0.5120% | 3,648 |
| Pretax return on assets | 0.5339% | 3,805 |
| Return on Equity (ROE) | 6.5715% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.5715% | 2,044 |
| Net charge-offs to loans | -0.0165% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8229% | 1,242 |
| Assets per employee ($millions) | 5.7907% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 2,901 |
| Loan loss allowance to noncurrent loans | 323.3983% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,898 |
| Noncurrent loans to loans | 0.3686% | 2,166 |
| Net loans and leases to total assets | 34.6247% | 4,280 |
| Net loans and leases to deposits | 37.1854% | 4,349 |
| Net loans and leases to core deposits | 37.6751% | 4,384 |
| Total domestic deposits to total assets | 93.1136% | 246 |
| Equity capital to assets | 6.5695% | 4,401 |
| Core capital (leverage) ratio | 8.6534% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2062% | 727 |
| Memoranda: | ||
| Average total assets | $274,973,500 | 2,629 |
| Average earning assets | $264,406,000 | 2,590 |
| Average equity | $21,426,000 | 3,024 |
| Average total loans | $97,137,500 | 3,231 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6057% | 4,402 |
| Cost of funding earning assets | 0.2736% | 2,672 |
| Net interest margin | 2.3321% | 4,389 |
| Noninterest income to average assets | 0.3480% | 3,348 |
| Noninterest expense to average assets | 2.0714% | 3,467 |
| Loan and lease loss provision to assets | 0.0333% | 2,388 |
| Net operating income to assets | 0.4760% | 4,136 |
| Return on assets (ROA) | 0.4977% | 4,131 |
| Pretax return on assets | 0.5172% | 4,232 |
| Return on Equity (ROE) | 5.0607% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.1761% | 3,930 |
| Net charge-offs to loans | 0.0297% | 1,642 |
| Credit loss provision to net charge-offs | 322.2222% | 1,025 |
| Earnings coverage of net charge-offs (x) | 51.0741% | 1,281 |
| Efficiency ratio | 79.6907% | 826 |
| Assets per employee ($millions) | 5.9129% | 2,850 |
| Cash dividends to net income (ytd only)* | 57.0000% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,911 |
| Loan loss allowance to noncurrent loans | 7,713.3333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,118 |
| Noncurrent loans to loans | 0.0155% | 3,976 |
| Net loans and leases to total assets | 35.1907% | 4,324 |
| Net loans and leases to deposits | 38.8732% | 4,374 |
| Net loans and leases to core deposits | 39.4566% | 4,410 |
| Total domestic deposits to total assets | 90.5270% | 705 |
| Equity capital to assets | 9.0413% | 3,580 |
| Core capital (leverage) ratio | 8.4001% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0968% | 1,242 |
| Memoranda: | ||
| Average total assets | $261,220,800 | 2,657 |
| Average earning assets | $252,178,200 | 2,603 |
| Average equity | $25,688,200 | 2,801 |
| Average total loans | $90,783,200 | 3,326 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6421% | 4,466 |
| Cost of funding earning assets | 0.2818% | 2,777 |
| Net interest margin | 2.3603% | 4,437 |
| Noninterest income to average assets | 0.3481% | 3,370 |
| Noninterest expense to average assets | 2.0505% | 3,522 |
| Loan and lease loss provision to assets | 0.0387% | 2,219 |
| Net operating income to assets | 0.5105% | 4,179 |
| Return on assets (ROA) | 0.5291% | 4,192 |
| Pretax return on assets | 0.5596% | 4,283 |
| Return on Equity (ROE) | 5.2691% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.2691% | 3,111 |
| Net charge-offs to loans | 0.0239% | 1,566 |
| Credit loss provision to net charge-offs | 468.7500% | 790 |
| Earnings coverage of net charge-offs (x) | 70.1250% | 1,065 |
| Efficiency ratio | 77.9914% | 874 |
| Assets per employee ($millions) | 5.7311% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,722 |
| Loan loss allowance to noncurrent loans | 197.6068% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 2,693 |
| Noncurrent loans to loans | 0.6333% | 1,729 |
| Net loans and leases to total assets | 33.8662% | 4,477 |
| Net loans and leases to deposits | 38.2729% | 4,514 |
| Net loans and leases to core deposits | 38.8132% | 4,548 |
| Total domestic deposits to total assets | 88.4860% | 1,569 |
| Equity capital to assets | 9.7876% | 3,114 |
| Core capital (leverage) ratio | 9.0196% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1904% | 1,100 |
| Memoranda: | ||
| Average total assets | $258,527,250 | 2,695 |
| Average earning assets | $249,845,250 | 2,643 |
| Average equity | $25,962,250 | 2,819 |
| Average total loans | $89,260,500 | 3,388 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6252% | 4,526 |
| Cost of funding earning assets | 0.2946% | 2,825 |
| Net interest margin | 2.3306% | 4,489 |
| Noninterest income to average assets | 0.3413% | 3,399 |
| Noninterest expense to average assets | 2.0454% | 3,560 |
| Loan and lease loss provision to assets | 0.0588% | 1,857 |
| Net operating income to assets | 0.4672% | 4,280 |
| Return on assets (ROA) | 0.4943% | 4,277 |
| Pretax return on assets | 0.5123% | 4,371 |
| Return on Equity (ROE) | 4.8784% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.8784% | 3,229 |
| Net charge-offs to loans | 0.0408% | 1,225 |
| Credit loss provision to net charge-offs | 416.6667% | 742 |
| Earnings coverage of net charge-offs (x) | 38.4444% | 1,187 |
| Efficiency ratio | 79.0239% | 847 |
| Assets per employee ($millions) | 5.5921% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,549 |
| Loan loss allowance to noncurrent loans | 210.4015% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 2,897 |
| Noncurrent loans to loans | 0.6071% | 1,889 |
| Net loans and leases to total assets | 33.9028% | 4,542 |
| Net loans and leases to deposits | 37.8259% | 4,585 |
| Net loans and leases to core deposits | 38.3625% | 4,619 |
| Total domestic deposits to total assets | 89.6286% | 958 |
| Equity capital to assets | 9.8289% | 3,027 |
| Core capital (leverage) ratio | 8.7394% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,916,333 | 2,712 |
| Average earning assets | $245,775,333 | 2,651 |
| Average equity | $25,828,333 | 2,822 |
| Average total loans | $88,221,333 | 3,426 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6321% | 4,543 |
| Cost of funding earning assets | 0.3037% | 2,950 |
| Net interest margin | 2.3284% | 4,490 |
| Noninterest income to average assets | 0.3220% | 3,482 |
| Noninterest expense to average assets | 2.0577% | 3,537 |
| Loan and lease loss provision to assets | 0.1195% | 1,150 |
| Net operating income to assets | 0.3969% | 4,362 |
| Return on assets (ROA) | 0.3969% | 4,389 |
| Pretax return on assets | 0.3809% | 4,512 |
| Return on Equity (ROE) | 3.8566% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.8566% | 3,543 |
| Net charge-offs to loans | 0.3349% | 254 |
| Credit loss provision to net charge-offs | 102.7397% | 1,098 |
| Earnings coverage of net charge-offs (x) | 4.3014% | 1,733 |
| Efficiency ratio | 80.4361% | 797 |
| Assets per employee ($millions) | 5.4578% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,638 |
| Loan loss allowance to noncurrent loans | 197.6619% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 2,986 |
| Noncurrent loans to loans | 0.6351% | 1,988 |
| Net loans and leases to total assets | 33.7008% | 4,583 |
| Net loans and leases to deposits | 37.6118% | 4,638 |
| Net loans and leases to core deposits | 38.1994% | 4,664 |
| Total domestic deposits to total assets | 89.6018% | 1,018 |
| Equity capital to assets | 9.8668% | 2,827 |
| Core capital (leverage) ratio | 9.3425% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,960,500 | 2,724 |
| Average earning assets | $241,028,500 | 2,673 |
| Average equity | $25,826,000 | 2,810 |
| Average total loans | $87,202,500 | 3,451 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0580% | 4,599 |
| Cost of funding earning assets | 0.4003% | 3,576 |
| Net interest margin | 2.6578% | 4,433 |
| Noninterest income to average assets | 0.3468% | 3,389 |
| Noninterest expense to average assets | 2.2803% | 3,462 |
| Loan and lease loss provision to assets | 0.3433% | 1,017 |
| Net operating income to assets | 0.2527% | 4,498 |
| Return on assets (ROA) | 0.5172% | 4,077 |
| Pretax return on assets | 0.5321% | 4,213 |
| Return on Equity (ROE) | 4.7633% | 3,966 |
| Retained earnings to average equity (ytd only) | 1.8641% | 3,887 |
| Net charge-offs to loans | 1.0309% | 124 |
| Credit loss provision to net charge-offs | 87.2768% | 2,946 |
| Earnings coverage of net charge-offs (x) | 1.5324% | 3,246 |
| Efficiency ratio | 79.0924% | 951 |
| Assets per employee ($millions) | 5.3349% | 3,014 |
| Cash dividends to net income (ytd only)* | 60.8659% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,603 |
| Loan loss allowance to noncurrent loans | 142.2827% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 2,737 |
| Noncurrent loans to loans | 0.8877% | 1,590 |
| Net loans and leases to total assets | 34.9467% | 4,615 |
| Net loans and leases to deposits | 39.4608% | 4,667 |
| Net loans and leases to core deposits | 40.1093% | 4,691 |
| Total domestic deposits to total assets | 88.5605% | 1,187 |
| Equity capital to assets | 10.7341% | 2,488 |
| Core capital (leverage) ratio | 9.2444% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,776,600 | 2,735 |
| Average earning assets | $217,362,600 | 2,691 |
| Average equity | $24,730,800 | 2,826 |
| Average total loans | $86,917,800 | 3,456 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1584% | 4,626 |
| Cost of funding earning assets | 0.4144% | 3,733 |
| Net interest margin | 2.7439% | 4,405 |
| Noninterest income to average assets | 0.3492% | 3,376 |
| Noninterest expense to average assets | 2.2814% | 3,467 |
| Loan and lease loss provision to assets | 0.4669% | 665 |
| Net operating income to assets | 0.2066% | 4,579 |
| Return on assets (ROA) | 0.5587% | 3,974 |
| Pretax return on assets | 0.5879% | 4,122 |
| Return on Equity (ROE) | 5.1298% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.1298% | 2,508 |
| Net charge-offs to loans | 1.3987% | 86 |
| Credit loss provision to net charge-offs | 85.7456% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.2566% | 3,082 |
| Efficiency ratio | 76.9324% | 1,126 |
| Assets per employee ($millions) | 4.9732% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,451 |
| Loan loss allowance to noncurrent loans | 102.6591% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 2,418 |
| Noncurrent loans to loans | 1.2067% | 1,262 |
| Net loans and leases to total assets | 36.1029% | 4,679 |
| Net loans and leases to deposits | 40.9469% | 4,726 |
| Net loans and leases to core deposits | 41.6375% | 4,758 |
| Total domestic deposits to total assets | 88.1700% | 1,136 |
| Equity capital to assets | 11.1045% | 2,320 |
| Core capital (leverage) ratio | 9.8337% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,369,500 | 2,748 |
| Average earning assets | $212,974,250 | 2,708 |
| Average equity | $24,328,000 | 2,849 |
| Average total loans | $86,932,750 | 3,469 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2778% | 4,668 |
| Cost of funding earning assets | 0.4260% | 3,920 |
| Net interest margin | 2.8517% | 4,383 |
| Noninterest income to average assets | 0.3409% | 3,430 |
| Noninterest expense to average assets | 2.3303% | 3,451 |
| Loan and lease loss provision to assets | 0.6983% | 397 |
| Net operating income to assets | 0.1026% | 4,684 |
| Return on assets (ROA) | 0.2703% | 4,509 |
| Pretax return on assets | 0.2034% | 4,628 |
| Return on Equity (ROE) | 2.4999% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.4999% | 3,577 |
| Net charge-offs to loans | 2.0686% | 60 |
| Credit loss provision to net charge-offs | 84.8552% | 2,487 |
| Earnings coverage of net charge-offs (x) | 0.8920% | 2,899 |
| Efficiency ratio | 76.0467% | 1,260 |
| Assets per employee ($millions) | 4.8066% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,309 |
| Loan loss allowance to noncurrent loans | 118.2618% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 2,752 |
| Noncurrent loans to loans | 1.0479% | 1,492 |
| Net loans and leases to total assets | 36.3745% | 4,713 |
| Net loans and leases to deposits | 41.1587% | 4,764 |
| Net loans and leases to core deposits | 41.8563% | 4,800 |
| Total domestic deposits to total assets | 88.3762% | 1,004 |
| Equity capital to assets | 10.9313% | 2,408 |
| Core capital (leverage) ratio | 9.6087% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,254,333 | 2,770 |
| Average earning assets | $208,434,000 | 2,723 |
| Average equity | $23,601,333 | 2,883 |
| Average total loans | $86,822,333 | 3,472 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 4,686 |
| Cost of funding earning assets | 0.4393% | 4,203 |
| Net interest margin | 3.0092% | 4,265 |
| Noninterest income to average assets | 0.3893% | 3,176 |
| Noninterest expense to average assets | 2.4101% | 3,519 |
| Loan and lease loss provision to assets | 0.1527% | 1,870 |
| Net operating income to assets | 0.6124% | 3,564 |
| Return on assets (ROA) | 0.7518% | 3,166 |
| Pretax return on assets | 0.8625% | 3,247 |
| Return on Equity (ROE) | 6.9954% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.9954% | 1,537 |
| Net charge-offs to loans | -1.0638% | 5,058 |
| Credit loss provision to net charge-offs | -34.6320% | 3,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8165% | 1,846 |
| Assets per employee ($millions) | 4.3969% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 778 |
| Loan loss allowance to noncurrent loans | 78.2810% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 1,361 |
| Noncurrent loans to loans | 2.2415% | 585 |
| Net loans and leases to total assets | 39.5281% | 4,681 |
| Net loans and leases to deposits | 44.0437% | 4,762 |
| Net loans and leases to core deposits | 44.8431% | 4,798 |
| Total domestic deposits to total assets | 89.7474% | 399 |
| Equity capital to assets | 9.9254% | 3,857 |
| Core capital (leverage) ratio | 10.5040% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,619,000 | 2,793 |
| Average earning assets | $200,317,000 | 2,737 |
| Average equity | $22,529,000 | 2,959 |
| Average total loans | $86,860,500 | 3,462 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 4,833 |
| Cost of funding earning assets | 0.4279% | 4,347 |
| Net interest margin | 3.1052% | 4,353 |
| Noninterest income to average assets | 0.4080% | 3,244 |
| Noninterest expense to average assets | 2.3864% | 3,720 |
| Loan and lease loss provision to assets | -0.0097% | 4,934 |
| Net operating income to assets | 0.8642% | 3,342 |
| Return on assets (ROA) | 0.8933% | 3,316 |
| Pretax return on assets | 1.0214% | 3,413 |
| Return on Equity (ROE) | 8.4171% | 2,978 |
| Retained earnings to average equity (ytd only) | 5.1514% | 2,338 |
| Net charge-offs to loans | 0.0302% | 2,796 |
| Credit loss provision to net charge-offs | -80.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | 80.9600% | 782 |
| Efficiency ratio | 70.9237% | 2,033 |
| Assets per employee ($millions) | 4.2456% | 3,585 |
| Cash dividends to net income (ytd only)* | 38.7987% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 1,559 |
| Loan loss allowance to noncurrent loans | 293.9320% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 3,378 |
| Noncurrent loans to loans | 0.4734% | 2,767 |
| Net loans and leases to total assets | 42.1152% | 4,673 |
| Net loans and leases to deposits | 47.9100% | 4,746 |
| Net loans and leases to core deposits | 48.9188% | 4,775 |
| Total domestic deposits to total assets | 87.9048% | 1,173 |
| Equity capital to assets | 11.6168% | 2,412 |
| Core capital (leverage) ratio | 10.5140% | 2,939 |
| Tier 1 risk-based capital ratio | 22.2708% | 995 |
| Total risk-based capital ratio | 23.4706% | 976 |
| Memoranda: | ||
| Average total assets | $206,882,600 | 2,785 |
| Average earning assets | $196,990,400 | 2,730 |
| Average equity | $21,955,400 | 2,964 |
| Average total loans | $82,893,600 | 3,543 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,964 |
| Cost of funding earning assets | 0.4189% | 4,435 |
| Net interest margin | 3.0753% | 4,516 |
| Noninterest income to average assets | 0.4058% | 3,277 |
| Noninterest expense to average assets | 2.3378% | 3,856 |
| Loan and lease loss provision to assets | 0.1156% | 1,686 |
| Net operating income to assets | 0.7793% | 3,745 |
| Return on assets (ROA) | 0.8244% | 3,676 |
| Pretax return on assets | 0.9304% | 3,792 |
| Return on Equity (ROE) | 7.9531% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.9531% | 1,422 |
| Net charge-offs to loans | 0.0456% | 2,185 |
| Credit loss provision to net charge-offs | 642.8571% | 512 |
| Earnings coverage of net charge-offs (x) | 55.3608% | 1,119 |
| Efficiency ratio | 70.1406% | 2,091 |
| Assets per employee ($millions) | 4.2350% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 861 |
| Loan loss allowance to noncurrent loans | 209.6726% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 2,893 |
| Noncurrent loans to loans | 0.7985% | 1,976 |
| Net loans and leases to total assets | 39.8763% | 4,820 |
| Net loans and leases to deposits | 45.2831% | 4,887 |
| Net loans and leases to core deposits | 46.2280% | 4,917 |
| Total domestic deposits to total assets | 88.0601% | 1,016 |
| Equity capital to assets | 11.4546% | 2,693 |
| Core capital (leverage) ratio | 10.9788% | 2,665 |
| Tier 1 risk-based capital ratio | 22.9021% | 951 |
| Total risk-based capital ratio | 24.1538% | 934 |
| Memoranda: | ||
| Average total assets | $207,655,500 | 2,800 |
| Average earning assets | $197,653,500 | 2,752 |
| Average equity | $21,525,750 | 3,022 |
| Average total loans | $81,857,500 | 3,602 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 5,029 |
| Cost of funding earning assets | 0.3976% | 4,519 |
| Net interest margin | 3.0726% | 4,580 |
| Noninterest income to average assets | 0.3996% | 3,275 |
| Noninterest expense to average assets | 2.3052% | 3,990 |
| Loan and lease loss provision to assets | 0.1155% | 1,622 |
| Net operating income to assets | 0.8047% | 3,637 |
| Return on assets (ROA) | 0.8310% | 3,602 |
| Pretax return on assets | 0.9408% | 3,740 |
| Return on Equity (ROE) | 8.3070% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.3070% | 1,277 |
| Net charge-offs to loans | 0.0641% | 1,738 |
| Credit loss provision to net charge-offs | 461.5385% | 639 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,230 |
| Efficiency ratio | 69.1908% | 2,351 |
| Assets per employee ($millions) | 4.2721% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 980 |
| Loan loss allowance to noncurrent loans | 154.1096% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,514 |
| Noncurrent loans to loans | 1.0535% | 1,555 |
| Net loans and leases to total assets | 39.8903% | 4,848 |
| Net loans and leases to deposits | 46.0450% | 4,899 |
| Net loans and leases to core deposits | 47.0434% | 4,931 |
| Total domestic deposits to total assets | 86.6332% | 1,758 |
| Equity capital to assets | 11.0914% | 2,956 |
| Core capital (leverage) ratio | 10.3861% | 3,202 |
| Tier 1 risk-based capital ratio | 22.4373% | 1,003 |
| Total risk-based capital ratio | 23.6888% | 985 |
| Memoranda: | ||
| Average total assets | $207,702,670 | 2,805 |
| Average earning assets | $198,202,670 | 2,756 |
| Average equity | $20,777,670 | 3,078 |
| Average total loans | $81,090,670 | 3,639 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3317% | 5,159 |
| Cost of funding earning assets | 0.3843% | 4,555 |
| Net interest margin | 2.9475% | 4,824 |
| Noninterest income to average assets | 0.3885% | 3,267 |
| Noninterest expense to average assets | 2.3079% | 4,002 |
| Loan and lease loss provision to assets | 0.1148% | 1,537 |
| Net operating income to assets | 0.6945% | 3,956 |
| Return on assets (ROA) | 0.7272% | 3,900 |
| Pretax return on assets | 0.8056% | 4,026 |
| Return on Equity (ROE) | 7.6789% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.6789% | 1,780 |
| Net charge-offs to loans | 0.0999% | 1,142 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 23.1000% | 1,478 |
| Efficiency ratio | 72.3022% | 1,989 |
| Assets per employee ($millions) | 4.1233% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,053 |
| Loan loss allowance to noncurrent loans | 54.7760% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 1,085 |
| Noncurrent loans to loans | 2.9280% | 383 |
| Net loans and leases to total assets | 38.5667% | 4,935 |
| Net loans and leases to deposits | 42.9773% | 5,009 |
| Net loans and leases to core deposits | 43.9268% | 5,044 |
| Total domestic deposits to total assets | 89.7373% | 548 |
| Equity capital to assets | 9.9740% | 3,852 |
| Core capital (leverage) ratio | 10.6558% | 2,890 |
| Tier 1 risk-based capital ratio | 20.7334% | 1,209 |
| Total risk-based capital ratio | 21.9700% | 1,186 |
| Memoranda: | ||
| Average total assets | $209,024,000 | 2,818 |
| Average earning assets | $198,814,500 | 2,778 |
| Average equity | $19,794,500 | 3,182 |
| Average total loans | $80,061,500 | 3,693 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 5,003 |
| Cost of funding earning assets | 0.3550% | 4,252 |
| Net interest margin | 3.0494% | 4,732 |
| Noninterest income to average assets | 0.4058% | 3,407 |
| Noninterest expense to average assets | 2.1980% | 4,340 |
| Loan and lease loss provision to assets | 0.1334% | 1,636 |
| Net operating income to assets | 0.8233% | 3,716 |
| Return on assets (ROA) | 0.8254% | 3,706 |
| Pretax return on assets | 0.9611% | 3,725 |
| Return on Equity (ROE) | 9.2547% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.5592% | 2,451 |
| Net charge-offs to loans | 0.0747% | 2,049 |
| Credit loss provision to net charge-offs | 491.2281% | 703 |
| Earnings coverage of net charge-offs (x) | 40.2281% | 1,298 |
| Efficiency ratio | 66.8066% | 2,738 |
| Assets per employee ($millions) | 4.2377% | 3,559 |
| Cash dividends to net income (ytd only)* | 39.9308% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 1,063 |
| Loan loss allowance to noncurrent loans | 145.5388% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 2,633 |
| Noncurrent loans to loans | 1.0881% | 1,500 |
| Net loans and leases to total assets | 36.8411% | 5,049 |
| Net loans and leases to deposits | 40.6146% | 5,110 |
| Net loans and leases to core deposits | 41.3204% | 5,141 |
| Total domestic deposits to total assets | 90.7090% | 274 |
| Equity capital to assets | 8.9795% | 4,597 |
| Core capital (leverage) ratio | 10.0342% | 3,537 |
| Tier 1 risk-based capital ratio | 21.5100% | 1,093 |
| Total risk-based capital ratio | 22.7604% | 1,073 |
| Memoranda: | ||
| Average total assets | $209,960,600 | 2,767 |
| Average earning assets | $198,598,000 | 2,732 |
| Average equity | $18,725,600 | 3,209 |
| Average total loans | $76,265,600 | 3,743 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 5,088 |
| Cost of funding earning assets | 0.3534% | 4,161 |
| Net interest margin | 2.9948% | 4,855 |
| Noninterest income to average assets | 0.4105% | 3,419 |
| Noninterest expense to average assets | 2.1468% | 4,439 |
| Loan and lease loss provision to assets | 0.1528% | 1,290 |
| Net operating income to assets | 0.8354% | 3,797 |
| Return on assets (ROA) | 0.8382% | 3,786 |
| Pretax return on assets | 0.9401% | 3,898 |
| Return on Equity (ROE) | 9.4151% | 2,898 |
| Retained earnings to average equity (ytd only) | 9.4151% | 1,071 |
| Net charge-offs to loans | 0.1077% | 1,409 |
| Credit loss provision to net charge-offs | 393.4426% | 835 |
| Earnings coverage of net charge-offs (x) | 28.0660% | 1,682 |
| Efficiency ratio | 66.3324% | 2,809 |
| Assets per employee ($millions) | 4.1232% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 1,097 |
| Loan loss allowance to noncurrent loans | 83.1276% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 1,886 |
| Noncurrent loans to loans | 1.9158% | 785 |
| Net loans and leases to total assets | 36.3262% | 5,133 |
| Net loans and leases to deposits | 40.0209% | 5,206 |
| Net loans and leases to core deposits | 40.7893% | 5,226 |
| Total domestic deposits to total assets | 90.7679% | 276 |
| Equity capital to assets | 8.9149% | 4,622 |
| Core capital (leverage) ratio | 10.1687% | 3,444 |
| Tier 1 risk-based capital ratio | 21.8943% | 1,064 |
| Total risk-based capital ratio | 23.1308% | 1,046 |
| Memoranda: | ||
| Average total assets | $209,480,000 | 2,796 |
| Average earning assets | $197,667,750 | 2,754 |
| Average equity | $18,650,500 | 3,241 |
| Average total loans | $75,503,000 | 3,800 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2984% | 5,141 |
| Cost of funding earning assets | 0.3455% | 4,102 |
| Net interest margin | 2.9530% | 4,940 |
| Noninterest income to average assets | 0.4084% | 3,429 |
| Noninterest expense to average assets | 2.1245% | 4,551 |
| Loan and lease loss provision to assets | 0.1710% | 1,073 |
| Net operating income to assets | 0.8042% | 3,845 |
| Return on assets (ROA) | 0.8025% | 3,844 |
| Pretax return on assets | 0.8956% | 3,981 |
| Return on Equity (ROE) | 9.0177% | 3,010 |
| Retained earnings to average equity (ytd only) | 9.0177% | 1,214 |
| Net charge-offs to loans | 0.0744% | 1,585 |
| Credit loss provision to net charge-offs | 642.8571% | 596 |
| Earnings coverage of net charge-offs (x) | 40.1786% | 1,293 |
| Efficiency ratio | 66.5378% | 2,889 |
| Assets per employee ($millions) | 4.7614% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,167 |
| Loan loss allowance to noncurrent loans | 75.1904% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 1,776 |
| Noncurrent loans to loans | 2.0954% | 690 |
| Net loans and leases to total assets | 34.5504% | 5,222 |
| Net loans and leases to deposits | 37.9417% | 5,287 |
| Net loans and leases to core deposits | 38.6369% | 5,312 |
| Total domestic deposits to total assets | 91.0618% | 235 |
| Equity capital to assets | 8.6894% | 4,810 |
| Core capital (leverage) ratio | 8.3092% | 5,208 |
| Tier 1 risk-based capital ratio | 21.9273% | 1,042 |
| Total risk-based capital ratio | 23.1791% | 1,027 |
| Memoranda: | ||
| Average total assets | $210,586,670 | 2,807 |
| Average earning assets | $198,580,330 | 2,767 |
| Average equity | $18,741,000 | 3,250 |
| Average total loans | $75,303,330 | 3,828 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 5,223 |
| Cost of funding earning assets | 0.3237% | 4,183 |
| Net interest margin | 2.8864% | 5,052 |
| Noninterest income to average assets | 0.3813% | 3,584 |
| Noninterest expense to average assets | 2.1691% | 4,493 |
| Loan and lease loss provision to assets | 0.1725% | 1,018 |
| Net operating income to assets | 0.6972% | 4,110 |
| Return on assets (ROA) | 0.6937% | 4,128 |
| Pretax return on assets | 0.7531% | 4,281 |
| Return on Equity (ROE) | 7.7011% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.7011% | 1,958 |
| Net charge-offs to loans | 0.1168% | 1,083 |
| Credit loss provision to net charge-offs | 409.0909% | 681 |
| Earnings coverage of net charge-offs (x) | 22.0455% | 1,416 |
| Efficiency ratio | 70.0062% | 2,481 |
| Assets per employee ($millions) | 4.5291% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,562 |
| Loan loss allowance to noncurrent loans | 82.0551% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 2,131 |
| Noncurrent loans to loans | 1.7980% | 931 |
| Net loans and leases to total assets | 35.3234% | 5,231 |
| Net loans and leases to deposits | 38.8330% | 5,296 |
| Net loans and leases to core deposits | 39.5099% | 5,316 |
| Total domestic deposits to total assets | 90.9623% | 334 |
| Equity capital to assets | 8.7411% | 4,792 |
| Core capital (leverage) ratio | 8.7233% | 4,969 |
| Tier 1 risk-based capital ratio | 18.5481% | 1,676 |
| Total risk-based capital ratio | 19.6703% | 1,680 |
| Memoranda: | ||
| Average total assets | $208,749,500 | 2,858 |
| Average earning assets | $196,507,000 | 2,817 |
| Average equity | $18,802,500 | 3,271 |
| Average total loans | $75,348,500 | 3,855 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3120% | 5,069 |
| Cost of funding earning assets | 0.3209% | 3,943 |
| Net interest margin | 2.9910% | 4,904 |
| Noninterest income to average assets | 0.3738% | 3,793 |
| Noninterest expense to average assets | 2.1034% | 4,755 |
| Loan and lease loss provision to assets | 0.1764% | 1,229 |
| Net operating income to assets | 0.7367% | 3,440 |
| Return on assets (ROA) | 0.7820% | 3,281 |
| Pretax return on assets | 0.9961% | 3,589 |
| Return on Equity (ROE) | 8.2484% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.9304% | 2,168 |
| Net charge-offs to loans | 0.2449% | 1,065 |
| Credit loss provision to net charge-offs | 192.5134% | 1,411 |
| Earnings coverage of net charge-offs (x) | 12.1711% | 2,497 |
| Efficiency ratio | 65.3524% | 3,373 |
| Assets per employee ($millions) | 4.4502% | 3,269 |
| Cash dividends to net income (ytd only)* | 40.2256% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,928 |
| Loan loss allowance to noncurrent loans | 164.9123% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,429 |
| Noncurrent loans to loans | 0.8250% | 2,158 |
| Net loans and leases to total assets | 35.8427% | 5,291 |
| Net loans and leases to deposits | 39.6303% | 5,347 |
| Net loans and leases to core deposits | 40.3194% | 5,382 |
| Total domestic deposits to total assets | 90.4428% | 414 |
| Equity capital to assets | 9.2723% | 4,455 |
| Core capital (leverage) ratio | 8.9835% | 4,666 |
| Tier 1 risk-based capital ratio | 19.7348% | 1,371 |
| Total risk-based capital ratio | 20.7870% | 1,381 |
| Memoranda: | ||
| Average total assets | $204,096,200 | 2,885 |
| Average earning assets | $194,112,600 | 2,823 |
| Average equity | $19,349,200 | 3,212 |
| Average total loans | $76,348,400 | 3,813 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2782% | 5,140 |
| Cost of funding earning assets | 0.3191% | 3,943 |
| Net interest margin | 2.9591% | 5,006 |
| Noninterest income to average assets | 0.3668% | 3,902 |
| Noninterest expense to average assets | 2.0680% | 4,804 |
| Loan and lease loss provision to assets | 0.1512% | 1,375 |
| Net operating income to assets | 0.8023% | 3,516 |
| Return on assets (ROA) | 0.8585% | 3,283 |
| Pretax return on assets | 1.0373% | 3,536 |
| Return on Equity (ROE) | 9.0045% | 2,595 |
| Retained earnings to average equity (ytd only) | 9.0045% | 836 |
| Net charge-offs to loans | 0.2180% | 993 |
| Credit loss provision to net charge-offs | 184.0000% | 1,440 |
| Earnings coverage of net charge-offs (x) | 13.6402% | 2,340 |
| Efficiency ratio | 64.8526% | 3,391 |
| Assets per employee ($millions) | 4.3648% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,518 |
| Loan loss allowance to noncurrent loans | 48.9114% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 1,767 |
| Noncurrent loans to loans | 2.5968% | 560 |
| Net loans and leases to total assets | 36.6022% | 5,327 |
| Net loans and leases to deposits | 40.7768% | 5,396 |
| Net loans and leases to core deposits | 41.4455% | 5,429 |
| Total domestic deposits to total assets | 89.7624% | 557 |
| Equity capital to assets | 9.9398% | 3,976 |
| Core capital (leverage) ratio | 9.9332% | 3,647 |
| Tier 1 risk-based capital ratio | 21.0612% | 1,185 |
| Total risk-based capital ratio | 22.0540% | 1,197 |
| Memoranda: | ||
| Average total assets | $202,830,000 | 2,926 |
| Average earning assets | $193,435,000 | 2,855 |
| Average equity | $19,338,000 | 3,238 |
| Average total loans | $76,434,750 | 3,853 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2873% | 5,125 |
| Cost of funding earning assets | 0.3206% | 3,873 |
| Net interest margin | 2.9667% | 4,976 |
| Noninterest income to average assets | 0.3504% | 4,050 |
| Noninterest expense to average assets | 2.1024% | 4,766 |
| Loan and lease loss provision to assets | 0.1485% | 1,368 |
| Net operating income to assets | 0.7701% | 3,544 |
| Return on assets (ROA) | 0.8285% | 3,309 |
| Pretax return on assets | 0.9997% | 3,570 |
| Return on Equity (ROE) | 8.8166% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.8166% | 894 |
| Net charge-offs to loans | 0.3866% | 531 |
| Credit loss provision to net charge-offs | 101.3514% | 1,990 |
| Earnings coverage of net charge-offs (x) | 7.3581% | 2,612 |
| Efficiency ratio | 66.1064% | 3,330 |
| Assets per employee ($millions) | 4.2060% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,402 |
| Loan loss allowance to noncurrent loans | 76.5750% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,898 |
| Noncurrent loans to loans | 1.4805% | 1,276 |
| Net loans and leases to total assets | 35.7871% | 5,384 |
| Net loans and leases to deposits | 39.6630% | 5,466 |
| Net loans and leases to core deposits | 40.4058% | 5,486 |
| Total domestic deposits to total assets | 90.2279% | 455 |
| Equity capital to assets | 9.5325% | 4,376 |
| Core capital (leverage) ratio | 9.3904% | 4,241 |
| Tier 1 risk-based capital ratio | 20.9528% | 1,193 |
| Total risk-based capital ratio | 21.8559% | 1,229 |
| Memoranda: | ||
| Average total assets | $202,058,000 | 2,945 |
| Average earning assets | $192,742,330 | 2,873 |
| Average equity | $18,987,000 | 3,278 |
| Average total loans | $76,561,670 | 3,868 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 5,068 |
| Cost of funding earning assets | 0.3104% | 3,936 |
| Net interest margin | 3.0102% | 4,873 |
| Noninterest income to average assets | 0.3981% | 3,673 |
| Noninterest expense to average assets | 2.1522% | 4,747 |
| Loan and lease loss provision to assets | 0.1819% | 947 |
| Net operating income to assets | 0.7724% | 3,352 |
| Return on assets (ROA) | 0.7841% | 3,346 |
| Pretax return on assets | 0.9397% | 3,628 |
| Return on Equity (ROE) | 8.4087% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.4087% | 1,307 |
| Net charge-offs to loans | 0.6147% | 289 |
| Credit loss provision to net charge-offs | 76.2712% | 1,781 |
| Earnings coverage of net charge-offs (x) | 4.6441% | 2,362 |
| Efficiency ratio | 66.0260% | 3,494 |
| Assets per employee ($millions) | 4.2209% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,706 |
| Loan loss allowance to noncurrent loans | 47.8161% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 1,928 |
| Noncurrent loans to loans | 2.3047% | 715 |
| Net loans and leases to total assets | 37.6384% | 5,341 |
| Net loans and leases to deposits | 41.6780% | 5,424 |
| Net loans and leases to core deposits | 42.5938% | 5,449 |
| Total domestic deposits to total assets | 90.3075% | 537 |
| Equity capital to assets | 9.4667% | 4,313 |
| Core capital (leverage) ratio | 9.8258% | 3,724 |
| Tier 1 risk-based capital ratio | 19.8350% | 1,420 |
| Total risk-based capital ratio | 20.6781% | 1,481 |
| Memoranda: | ||
| Average total assets | $197,936,000 | 3,018 |
| Average earning assets | $188,161,500 | 2,960 |
| Average equity | $18,457,000 | 3,351 |
| Average total loans | $76,780,500 | 3,887 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 5,225 |
| Cost of funding earning assets | 0.3113% | 3,941 |
| Net interest margin | 2.9471% | 5,054 |
| Noninterest income to average assets | 0.4232% | 3,723 |
| Noninterest expense to average assets | 2.1547% | 4,876 |
| Loan and lease loss provision to assets | 0.4484% | 319 |
| Net operating income to assets | 0.5347% | 4,494 |
| Return on assets (ROA) | 0.5725% | 4,438 |
| Pretax return on assets | 0.6673% | 4,599 |
| Return on Equity (ROE) | 5.8434% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.7904% | 3,916 |
| Net charge-offs to loans | 1.3551% | 113 |
| Credit loss provision to net charge-offs | 82.3911% | 2,938 |
| Earnings coverage of net charge-offs (x) | 1.9694% | 3,913 |
| Efficiency ratio | 66.7813% | 3,474 |
| Assets per employee ($millions) | 4.1144% | 3,758 |
| Cash dividends to net income (ytd only)* | 52.2467% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,703 |
| Loan loss allowance to noncurrent loans | 36.5025% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 1,434 |
| Noncurrent loans to loans | 3.0181% | 448 |
| Net loans and leases to total assets | 39.0912% | 5,356 |
| Net loans and leases to deposits | 43.1631% | 5,457 |
| Net loans and leases to core deposits | 44.0782% | 5,486 |
| Total domestic deposits to total assets | 90.5662% | 427 |
| Equity capital to assets | 9.1821% | 4,599 |
| Core capital (leverage) ratio | 8.6354% | 5,133 |
| Tier 1 risk-based capital ratio | 18.2343% | 1,793 |
| Total risk-based capital ratio | 19.0925% | 1,851 |
| Memoranda: | ||
| Average total assets | $198,260,800 | 2,973 |
| Average earning assets | $188,594,200 | 2,909 |
| Average equity | $19,423,600 | 3,224 |
| Average total loans | $79,623,600 | 3,806 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2668% | 5,254 |
| Cost of funding earning assets | 0.3067% | 4,023 |
| Net interest margin | 2.9600% | 5,081 |
| Noninterest income to average assets | 0.4273% | 3,718 |
| Noninterest expense to average assets | 2.1378% | 4,915 |
| Loan and lease loss provision to assets | 0.5838% | 199 |
| Net operating income to assets | 0.4743% | 4,785 |
| Return on assets (ROA) | 0.5227% | 4,708 |
| Pretax return on assets | 0.5798% | 4,929 |
| Return on Equity (ROE) | 5.2533% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.2533% | 2,665 |
| Net charge-offs to loans | 1.7530% | 71 |
| Credit loss provision to net charge-offs | 82.6046% | 2,631 |
| Earnings coverage of net charge-offs (x) | 1.5703% | 3,680 |
| Efficiency ratio | 65.8254% | 3,619 |
| Assets per employee ($millions) | 4.2439% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,833 |
| Loan loss allowance to noncurrent loans | 36.6441% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 1,640 |
| Noncurrent loans to loans | 3.0019% | 496 |
| Net loans and leases to total assets | 38.2654% | 5,456 |
| Net loans and leases to deposits | 42.6910% | 5,563 |
| Net loans and leases to core deposits | 43.5740% | 5,593 |
| Total domestic deposits to total assets | 89.6333% | 611 |
| Equity capital to assets | 9.9353% | 4,198 |
| Core capital (leverage) ratio | 9.5720% | 4,094 |
| Tier 1 risk-based capital ratio | 19.4271% | 1,566 |
| Total risk-based capital ratio | 20.2943% | 1,619 |
| Memoranda: | ||
| Average total assets | $198,453,000 | 2,983 |
| Average earning assets | $189,091,500 | 2,920 |
| Average equity | $19,746,000 | 3,218 |
| Average total loans | $80,014,000 | 3,824 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 5,295 |
| Cost of funding earning assets | 0.3043% | 4,075 |
| Net interest margin | 2.9927% | 5,098 |
| Noninterest income to average assets | 0.4240% | 3,706 |
| Noninterest expense to average assets | 2.1749% | 4,900 |
| Loan and lease loss provision to assets | 0.8022% | 133 |
| Net operating income to assets | 0.3335% | 5,229 |
| Return on assets (ROA) | 0.3691% | 5,214 |
| Pretax return on assets | 0.3325% | 5,448 |
| Return on Equity (ROE) | 3.7075% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.7075% | 3,531 |
| Net charge-offs to loans | 2.5419% | 57 |
| Credit loss provision to net charge-offs | 77.2016% | 2,392 |
| Earnings coverage of net charge-offs (x) | 1.0577% | 3,459 |
| Efficiency ratio | 66.4286% | 3,610 |
| Assets per employee ($millions) | 4.1515% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 4,376 |
| Loan loss allowance to noncurrent loans | 126.0802% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 3,977 |
| Noncurrent loans to loans | 0.8135% | 2,711 |
| Net loans and leases to total assets | 39.5638% | 5,441 |
| Net loans and leases to deposits | 44.2104% | 5,556 |
| Net loans and leases to core deposits | 45.1022% | 5,590 |
| Total domestic deposits to total assets | 89.4898% | 691 |
| Equity capital to assets | 10.0405% | 4,172 |
| Core capital (leverage) ratio | 9.0732% | 4,745 |
| Tier 1 risk-based capital ratio | 19.2295% | 1,644 |
| Total risk-based capital ratio | 20.0560% | 1,699 |
| Memoranda: | ||
| Average total assets | $196,701,000 | 3,020 |
| Average earning assets | $187,320,670 | 2,960 |
| Average equity | $19,581,670 | 3,244 |
| Average total loans | $80,413,000 | 3,833 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2716% | 5,375 |
| Cost of funding earning assets | 0.2968% | 4,195 |
| Net interest margin | 2.9747% | 5,174 |
| Noninterest income to average assets | 0.4217% | 3,674 |
| Noninterest expense to average assets | 2.1616% | 4,997 |
| Loan and lease loss provision to assets | 0.2456% | 727 |
| Net operating income to assets | 0.6664% | 3,889 |
| Return on assets (ROA) | 0.6939% | 3,854 |
| Pretax return on assets | 0.8802% | 3,930 |
| Return on Equity (ROE) | 7.0011% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.0011% | 1,885 |
| Net charge-offs to loans | 0.5248% | 411 |
| Credit loss provision to net charge-offs | 113.2075% | 1,492 |
| Earnings coverage of net charge-offs (x) | 5.0283% | 2,371 |
| Efficiency ratio | 66.4569% | 3,724 |
| Assets per employee ($millions) | 4.0151% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,871 |
| Loan loss allowance to noncurrent loans | 53.5750% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0623% | 2,082 |
| Noncurrent loans to loans | 2.4376% | 788 |
| Net loans and leases to total assets | 40.8715% | 5,407 |
| Net loans and leases to deposits | 45.6033% | 5,530 |
| Net loans and leases to core deposits | 46.7579% | 5,560 |
| Total domestic deposits to total assets | 89.6239% | 767 |
| Equity capital to assets | 10.0060% | 4,078 |
| Core capital (leverage) ratio | 9.7879% | 3,794 |
| Tier 1 risk-based capital ratio | 18.5921% | 1,827 |
| Total risk-based capital ratio | 19.6341% | 1,842 |
| Memoranda: | ||
| Average total assets | $195,415,000 | 3,038 |
| Average earning assets | $185,965,500 | 2,986 |
| Average equity | $19,368,500 | 3,264 |
| Average total loans | $80,791,000 | 3,837 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2825% | 5,377 |
| Cost of funding earning assets | 0.2912% | 4,354 |
| Net interest margin | 2.9913% | 5,158 |
| Noninterest income to average assets | 0.3948% | 4,066 |
| Noninterest expense to average assets | 2.1769% | 5,100 |
| Loan and lease loss provision to assets | 0.4495% | 272 |
| Net operating income to assets | 0.5500% | 4,496 |
| Return on assets (ROA) | 0.5741% | 4,493 |
| Pretax return on assets | 0.6516% | 4,674 |
| Return on Equity (ROE) | 5.7944% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.7016% | 4,148 |
| Net charge-offs to loans | 1.2154% | 145 |
| Credit loss provision to net charge-offs | 89.2308% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.1313% | 3,970 |
| Efficiency ratio | 66.9687% | 3,756 |
| Assets per employee ($millions) | 3.8818% | 4,156 |
| Cash dividends to net income (ytd only)* | 53.3753% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,833 |
| Loan loss allowance to noncurrent loans | 39.3258% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4292% | 1,459 |
| Noncurrent loans to loans | 3.3330% | 440 |
| Net loans and leases to total assets | 40.7323% | 5,476 |
| Net loans and leases to deposits | 45.2919% | 5,600 |
| Net loans and leases to core deposits | 46.4639% | 5,632 |
| Total domestic deposits to total assets | 89.9330% | 660 |
| Equity capital to assets | 9.8156% | 4,176 |
| Core capital (leverage) ratio | 9.3103% | 4,459 |
| Tier 1 risk-based capital ratio | 18.2474% | 1,896 |
| Total risk-based capital ratio | 19.2750% | 1,914 |
| Memoranda: | ||
| Average total assets | $193,528,000 | 3,008 |
| Average earning assets | $184,767,400 | 2,947 |
| Average equity | $19,173,800 | 3,250 |
| Average total loans | $80,219,800 | 3,820 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2933% | 5,422 |
| Cost of funding earning assets | 0.2849% | 4,504 |
| Net interest margin | 3.0084% | 5,168 |
| Noninterest income to average assets | 0.4006% | 4,084 |
| Noninterest expense to average assets | 2.1318% | 5,213 |
| Loan and lease loss provision to assets | 0.1586% | 1,356 |
| Net operating income to assets | 0.7773% | 3,537 |
| Return on assets (ROA) | 0.7832% | 3,593 |
| Pretax return on assets | 1.0011% | 3,609 |
| Return on Equity (ROE) | 7.8868% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.8868% | 1,283 |
| Net charge-offs to loans | 0.1379% | 1,744 |
| Credit loss provision to net charge-offs | 277.1084% | 1,041 |
| Earnings coverage of net charge-offs (x) | 20.1332% | 1,887 |
| Efficiency ratio | 64.9171% | 4,082 |
| Assets per employee ($millions) | 4.0042% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 1,675 |
| Loan loss allowance to noncurrent loans | 60.9836% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 2,107 |
| Noncurrent loans to loans | 2.6727% | 727 |
| Net loans and leases to total assets | 40.8845% | 5,551 |
| Net loans and leases to deposits | 45.7108% | 5,663 |
| Net loans and leases to core deposits | 46.8206% | 5,703 |
| Total domestic deposits to total assets | 89.4417% | 805 |
| Equity capital to assets | 10.2471% | 3,878 |
| Core capital (leverage) ratio | 9.8802% | 3,797 |
| Tier 1 risk-based capital ratio | 18.9939% | 1,778 |
| Total risk-based capital ratio | 20.2441% | 1,745 |
| Memoranda: | ||
| Average total assets | $193,387,750 | 3,037 |
| Average earning assets | $185,340,250 | 2,963 |
| Average equity | $19,204,500 | 3,281 |
| Average total loans | $80,248,000 | 3,848 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2857% | 5,462 |
| Cost of funding earning assets | 0.2841% | 4,564 |
| Net interest margin | 3.0016% | 5,213 |
| Noninterest income to average assets | 0.4056% | 4,044 |
| Noninterest expense to average assets | 2.1581% | 5,203 |
| Loan and lease loss provision to assets | 0.1651% | 1,276 |
| Net operating income to assets | 0.7534% | 3,629 |
| Return on assets (ROA) | 0.7606% | 3,689 |
| Pretax return on assets | 0.9702% | 3,695 |
| Return on Equity (ROE) | 7.7412% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.7412% | 1,369 |
| Net charge-offs to loans | 0.0100% | 3,560 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 272.7500% | 253 |
| Efficiency ratio | 65.7134% | 4,065 |
| Assets per employee ($millions) | 3.9758% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,829 |
| Loan loss allowance to noncurrent loans | 82.2976% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 2,895 |
| Noncurrent loans to loans | 1.9745% | 1,246 |
| Net loans and leases to total assets | 39.9265% | 5,639 |
| Net loans and leases to deposits | 44.2964% | 5,754 |
| Net loans and leases to core deposits | 45.1993% | 5,796 |
| Total domestic deposits to total assets | 90.1347% | 605 |
| Equity capital to assets | 9.6278% | 4,495 |
| Core capital (leverage) ratio | 9.2249% | 4,654 |
| Tier 1 risk-based capital ratio | 18.7923% | 1,843 |
| Total risk-based capital ratio | 20.0426% | 1,813 |
| Memoranda: | ||
| Average total assets | $193,783,670 | 3,051 |
| Average earning assets | $185,836,000 | 2,980 |
| Average equity | $19,041,000 | 3,310 |
| Average total loans | $80,370,000 | 3,864 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 5,378 |
| Cost of funding earning assets | 0.2811% | 4,658 |
| Net interest margin | 3.0483% | 5,081 |
| Noninterest income to average assets | 0.4287% | 3,774 |
| Noninterest expense to average assets | 2.2313% | 5,071 |
| Loan and lease loss provision to assets | 0.1882% | 1,003 |
| Net operating income to assets | 0.6784% | 3,900 |
| Return on assets (ROA) | 0.6922% | 3,964 |
| Pretax return on assets | 0.9536% | 3,675 |
| Return on Equity (ROE) | 6.9714% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.9714% | 2,022 |
| Net charge-offs to loans | 0.0598% | 2,157 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 44.7500% | 904 |
| Efficiency ratio | 66.5212% | 4,064 |
| Assets per employee ($millions) | 4.1319% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 2,262 |
| Loan loss allowance to noncurrent loans | 78.2995% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 2,961 |
| Noncurrent loans to loans | 1.9713% | 1,330 |
| Net loans and leases to total assets | 40.5330% | 5,569 |
| Net loans and leases to deposits | 45.1967% | 5,695 |
| Net loans and leases to core deposits | 46.2111% | 5,747 |
| Total domestic deposits to total assets | 89.6813% | 914 |
| Equity capital to assets | 9.9171% | 4,235 |
| Core capital (leverage) ratio | 9.6681% | 4,054 |
| Tier 1 risk-based capital ratio | 19.2164% | 1,810 |
| Total risk-based capital ratio | 20.4668% | 1,766 |
| Memoranda: | ||
| Average total assets | $191,281,500 | 3,104 |
| Average earning assets | $183,576,500 | 3,021 |
| Average equity | $18,992,000 | 3,340 |
| Average total loans | $80,215,000 | 3,881 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 5,380 |
| Cost of funding earning assets | 0.2971% | 4,822 |
| Net interest margin | 3.1782% | 4,993 |
| Noninterest income to average assets | 0.4153% | 4,077 |
| Noninterest expense to average assets | 2.2161% | 5,309 |
| Loan and lease loss provision to assets | 0.2106% | 1,188 |
| Net operating income to assets | 0.8335% | 3,204 |
| Return on assets (ROA) | 0.8867% | 3,022 |
| Pretax return on assets | 1.1054% | 3,060 |
| Return on Equity (ROE) | 9.1714% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.8592% | 2,016 |
| Net charge-offs to loans | 0.3805% | 1,127 |
| Credit loss provision to net charge-offs | 130.8725% | 1,822 |
| Earnings coverage of net charge-offs (x) | 7.7651% | 2,982 |
| Efficiency ratio | 63.9452% | 4,597 |
| Assets per employee ($millions) | 3.9242% | 4,111 |
| Cash dividends to net income (ytd only)* | 36.1145% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 2,762 |
| Loan loss allowance to noncurrent loans | 76.7087% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 2,998 |
| Noncurrent loans to loans | 1.8725% | 1,513 |
| Net loans and leases to total assets | 42.1128% | 5,608 |
| Net loans and leases to deposits | 46.9312% | 5,752 |
| Net loans and leases to core deposits | 47.9001% | 5,816 |
| Total domestic deposits to total assets | 89.7331% | 862 |
| Equity capital to assets | 9.9409% | 4,188 |
| Core capital (leverage) ratio | 9.0945% | 4,833 |
| Tier 1 risk-based capital ratio | 19.4140% | 1,745 |
| Total risk-based capital ratio | 20.6520% | 1,715 |
| Memoranda: | ||
| Average total assets | $185,189,000 | 3,156 |
| Average earning assets | $177,744,800 | 3,070 |
| Average equity | $17,903,400 | 3,411 |
| Average total loans | $78,314,600 | 3,927 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 5,565 |
| Cost of funding earning assets | 0.2958% | 4,920 |
| Net interest margin | 3.1191% | 5,202 |
| Noninterest income to average assets | 0.4129% | 4,154 |
| Noninterest expense to average assets | 2.1410% | 5,484 |
| Loan and lease loss provision to assets | 0.1952% | 1,232 |
| Net operating income to assets | 0.8612% | 3,118 |
| Return on assets (ROA) | 0.8988% | 3,012 |
| Pretax return on assets | 1.1200% | 3,107 |
| Return on Equity (ROE) | 9.3643% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.3643% | 885 |
| Net charge-offs to loans | 0.5280% | 722 |
| Credit loss provision to net charge-offs | 87.6623% | 2,472 |
| Earnings coverage of net charge-offs (x) | 5.6948% | 3,213 |
| Efficiency ratio | 62.7996% | 4,764 |
| Assets per employee ($millions) | 3.8534% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 3,632 |
| Loan loss allowance to noncurrent loans | 64.7096% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 3,073 |
| Noncurrent loans to loans | 2.0122% | 1,573 |
| Net loans and leases to total assets | 41.1473% | 5,741 |
| Net loans and leases to deposits | 45.7985% | 5,874 |
| Net loans and leases to core deposits | 46.7386% | 5,932 |
| Total domestic deposits to total assets | 89.8442% | 806 |
| Equity capital to assets | 9.8888% | 4,309 |
| Core capital (leverage) ratio | 9.6670% | 4,132 |
| Tier 1 risk-based capital ratio | 19.8591% | 1,707 |
| Total risk-based capital ratio | 20.9701% | 1,699 |
| Memoranda: | ||
| Average total assets | $184,395,500 | 3,192 |
| Average earning assets | $177,141,250 | 3,103 |
| Average equity | $17,698,000 | 3,451 |
| Average total loans | $77,773,000 | 3,972 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 5,592 |
| Cost of funding earning assets | 0.2981% | 4,986 |
| Net interest margin | 3.1165% | 5,205 |
| Noninterest income to average assets | 0.4078% | 4,189 |
| Noninterest expense to average assets | 2.1430% | 5,529 |
| Loan and lease loss provision to assets | 0.1640% | 1,503 |
| Net operating income to assets | 0.8834% | 2,896 |
| Return on assets (ROA) | 0.9403% | 2,702 |
| Pretax return on assets | 1.1787% | 2,770 |
| Return on Equity (ROE) | 9.9002% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.9002% | 739 |
| Net charge-offs to loans | 0.5965% | 674 |
| Credit loss provision to net charge-offs | 64.9351% | 2,559 |
| Earnings coverage of net charge-offs (x) | 5.0346% | 2,996 |
| Efficiency ratio | 62.7602% | 4,897 |
| Assets per employee ($millions) | 3.7367% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 4,049 |
| Loan loss allowance to noncurrent loans | 60.2085% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 3,131 |
| Noncurrent loans to loans | 2.1021% | 1,588 |
| Net loans and leases to total assets | 40.1975% | 5,796 |
| Net loans and leases to deposits | 44.5884% | 5,950 |
| Net loans and leases to core deposits | 45.4902% | 6,014 |
| Total domestic deposits to total assets | 90.1524% | 735 |
| Equity capital to assets | 9.5826% | 4,648 |
| Core capital (leverage) ratio | 9.2705% | 4,637 |
| Tier 1 risk-based capital ratio | 20.7623% | 1,493 |
| Total risk-based capital ratio | 21.8990% | 1,498 |
| Memoranda: | ||
| Average total assets | $182,921,000 | 3,219 |
| Average earning assets | $176,479,330 | 3,122 |
| Average equity | $17,373,330 | 3,484 |
| Average total loans | $77,457,670 | 3,988 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 5,473 |
| Cost of funding earning assets | 0.2989% | 5,078 |
| Net interest margin | 3.1835% | 4,976 |
| Noninterest income to average assets | 0.3752% | 4,384 |
| Noninterest expense to average assets | 2.2067% | 5,445 |
| Loan and lease loss provision to assets | 0.1340% | 1,806 |
| Net operating income to assets | 0.9447% | 2,431 |
| Return on assets (ROA) | 0.9716% | 2,383 |
| Pretax return on assets | 1.1346% | 2,749 |
| Return on Equity (ROE) | 10.2782% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.2782% | 904 |
| Net charge-offs to loans | 0.1085% | 2,094 |
| Credit loss provision to net charge-offs | 285.7143% | 823 |
| Earnings coverage of net charge-offs (x) | 26.3810% | 1,131 |
| Efficiency ratio | 64.0726% | 4,847 |
| Assets per employee ($millions) | 3.9230% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 3,464 |
| Loan loss allowance to noncurrent loans | 57.2468% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 3,018 |
| Noncurrent loans to loans | 2.4974% | 1,384 |
| Net loans and leases to total assets | 42.1030% | 5,659 |
| Net loans and leases to deposits | 46.6919% | 5,807 |
| Net loans and leases to core deposits | 47.5955% | 5,898 |
| Total domestic deposits to total assets | 90.1718% | 987 |
| Equity capital to assets | 9.5800% | 4,384 |
| Core capital (leverage) ratio | 9.7483% | 3,930 |
| Tier 1 risk-based capital ratio | 20.3910% | 1,620 |
| Total risk-based capital ratio | 21.6414% | 1,586 |
| Memoranda: | ||
| Average total assets | $179,094,500 | 3,286 |
| Average earning assets | $172,640,000 | 3,185 |
| Average equity | $16,929,000 | 3,561 |
| Average total loans | $77,392,500 | 4,016 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 5,809 |
| Cost of funding earning assets | 0.3516% | 5,116 |
| Net interest margin | 3.0648% | 5,420 |
| Noninterest income to average assets | 0.3975% | 4,464 |
| Noninterest expense to average assets | 2.2531% | 5,496 |
| Loan and lease loss provision to assets | 0.1373% | 2,587 |
| Net operating income to assets | 0.7758% | 3,416 |
| Return on assets (ROA) | 0.8448% | 3,143 |
| Pretax return on assets | 1.0439% | 3,174 |
| Return on Equity (ROE) | 8.6607% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,290 |
| Net charge-offs to loans | 0.2368% | 2,558 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 10.8864% | 2,304 |
| Efficiency ratio | 67.2758% | 4,334 |
| Assets per employee ($millions) | 3.5546% | 4,795 |
| Cash dividends to net income (ytd only)* | 36.7637% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 3,805 |
| Loan loss allowance to noncurrent loans | 52.1590% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 2,934 |
| Noncurrent loans to loans | 2.6228% | 1,420 |
| Net loans and leases to total assets | 43.1224% | 5,749 |
| Net loans and leases to deposits | 47.6659% | 5,917 |
| Net loans and leases to core deposits | 48.5971% | 6,001 |
| Total domestic deposits to total assets | 90.4681% | 834 |
| Equity capital to assets | 9.3232% | 4,665 |
| Core capital (leverage) ratio | 9.2811% | 4,587 |
| Tier 1 risk-based capital ratio | 19.6642% | 1,733 |
| Total risk-based capital ratio | 20.8883% | 1,712 |
| Memoranda: | ||
| Average total assets | $174,824,600 | 3,335 |
| Average earning assets | $168,364,600 | 3,236 |
| Average equity | $17,054,000 | 3,557 |
| Average total loans | $74,336,200 | 4,117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 5,924 |
| Cost of funding earning assets | 0.3625% | 5,167 |
| Net interest margin | 3.0184% | 5,548 |
| Noninterest income to average assets | 0.3837% | 4,646 |
| Noninterest expense to average assets | 2.1941% | 5,620 |
| Loan and lease loss provision to assets | 0.1378% | 2,567 |
| Net operating income to assets | 0.7816% | 3,448 |
| Return on assets (ROA) | 0.8294% | 3,319 |
| Pretax return on assets | 1.0186% | 3,428 |
| Return on Equity (ROE) | 8.4073% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.4073% | 1,248 |
| Net charge-offs to loans | 0.2358% | 2,391 |
| Credit loss provision to net charge-offs | 138.4615% | 1,688 |
| Earnings coverage of net charge-offs (x) | 11.0230% | 2,290 |
| Efficiency ratio | 66.6589% | 4,361 |
| Assets per employee ($millions) | 3.5714% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,921 |
| Loan loss allowance to noncurrent loans | 50.4570% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 3,138 |
| Noncurrent loans to loans | 2.7629% | 1,521 |
| Net loans and leases to total assets | 42.4002% | 5,869 |
| Net loans and leases to deposits | 47.0582% | 6,032 |
| Net loans and leases to core deposits | 48.0324% | 6,124 |
| Total domestic deposits to total assets | 90.1015% | 937 |
| Equity capital to assets | 9.5973% | 4,422 |
| Core capital (leverage) ratio | 10.0623% | 3,581 |
| Tier 1 risk-based capital ratio | 20.3273% | 1,648 |
| Total risk-based capital ratio | 21.5650% | 1,625 |
| Memoranda: | ||
| Average total assets | $174,098,500 | 3,373 |
| Average earning assets | $167,721,250 | 3,276 |
| Average equity | $17,175,000 | 3,578 |
| Average total loans | $73,494,250 | 4,180 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 5,983 |
| Cost of funding earning assets | 0.3772% | 5,169 |
| Net interest margin | 2.9877% | 5,589 |
| Noninterest income to average assets | 0.3901% | 4,593 |
| Noninterest expense to average assets | 2.2187% | 5,581 |
| Loan and lease loss provision to assets | 0.1381% | 2,604 |
| Net operating income to assets | 0.7570% | 3,527 |
| Return on assets (ROA) | 0.7952% | 3,478 |
| Pretax return on assets | 0.9597% | 3,680 |
| Return on Equity (ROE) | 7.9877% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.9877% | 1,491 |
| Net charge-offs to loans | 0.2551% | 2,192 |
| Credit loss provision to net charge-offs | 129.0323% | 1,752 |
| Earnings coverage of net charge-offs (x) | 9.8280% | 2,231 |
| Efficiency ratio | 67.8395% | 4,209 |
| Assets per employee ($millions) | 3.3193% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 3,981 |
| Loan loss allowance to noncurrent loans | 60.8180% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 3,552 |
| Noncurrent loans to loans | 2.3200% | 2,035 |
| Net loans and leases to total assets | 42.3475% | 5,875 |
| Net loans and leases to deposits | 47.1297% | 6,039 |
| Net loans and leases to core deposits | 48.2536% | 6,118 |
| Total domestic deposits to total assets | 89.8532% | 1,117 |
| Equity capital to assets | 9.8999% | 4,053 |
| Core capital (leverage) ratio | 9.4465% | 4,328 |
| Tier 1 risk-based capital ratio | 20.8428% | 1,530 |
| Total risk-based capital ratio | 22.0932% | 1,500 |
| Memoranda: | ||
| Average total assets | $173,799,000 | 3,396 |
| Average earning assets | $167,552,330 | 3,295 |
| Average equity | $17,301,670 | 3,579 |
| Average total loans | $72,909,670 | 4,214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3619% | 6,020 |
| Cost of funding earning assets | 0.3837% | 5,247 |
| Net interest margin | 2.9781% | 5,627 |
| Noninterest income to average assets | 0.3612% | 4,777 |
| Noninterest expense to average assets | 2.1266% | 5,851 |
| Loan and lease loss provision to assets | 0.1363% | 2,539 |
| Net operating income to assets | 0.7915% | 3,215 |
| Return on assets (ROA) | 0.7952% | 3,326 |
| Pretax return on assets | 0.9770% | 3,451 |
| Return on Equity (ROE) | 7.9668% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.9668% | 1,761 |
| Net charge-offs to loans | -0.0603% | 6,217 |
| Credit loss provision to net charge-offs | -545.4545% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7303% | 4,707 |
| Assets per employee ($millions) | 3.5168% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,843 |
| Loan loss allowance to noncurrent loans | 55.6422% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 3,481 |
| Noncurrent loans to loans | 2.6894% | 1,901 |
| Net loans and leases to total assets | 40.8722% | 5,928 |
| Net loans and leases to deposits | 45.8160% | 6,068 |
| Net loans and leases to core deposits | 47.1322% | 6,145 |
| Total domestic deposits to total assets | 89.2093% | 1,551 |
| Equity capital to assets | 10.2469% | 3,862 |
| Core capital (leverage) ratio | 9.5468% | 4,005 |
| Tier 1 risk-based capital ratio | 21.0613% | 1,520 |
| Total risk-based capital ratio | 22.3126% | 1,494 |
| Memoranda: | ||
| Average total assets | $176,056,000 | 3,400 |
| Average earning assets | $169,906,000 | 3,281 |
| Average equity | $17,573,000 | 3,583 |
| Average total loans | $73,007,500 | 4,237 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 5,936 |
| Cost of funding earning assets | 0.4725% | 5,404 |
| Net interest margin | 3.2828% | 5,310 |
| Noninterest income to average assets | 0.3877% | 4,704 |
| Noninterest expense to average assets | 2.2623% | 5,779 |
| Loan and lease loss provision to assets | 0.1429% | 3,820 |
| Net operating income to assets | 0.8970% | 2,833 |
| Return on assets (ROA) | 0.9538% | 2,777 |
| Pretax return on assets | 1.2153% | 2,748 |
| Return on Equity (ROE) | 9.0347% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.8387% | 2,166 |
| Net charge-offs to loans | 0.1910% | 3,846 |
| Credit loss provision to net charge-offs | 165.4676% | 1,613 |
| Earnings coverage of net charge-offs (x) | 14.8849% | 1,697 |
| Efficiency ratio | 63.7653% | 4,932 |
| Assets per employee ($millions) | 3.5957% | 4,793 |
| Cash dividends to net income (ytd only)* | 35.3746% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,451 |
| Loan loss allowance to noncurrent loans | 53.3654% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 3,697 |
| Noncurrent loans to loans | 2.5123% | 2,100 |
| Net loans and leases to total assets | 40.8889% | 6,107 |
| Net loans and leases to deposits | 45.5943% | 6,275 |
| Net loans and leases to core deposits | 46.8245% | 6,336 |
| Total domestic deposits to total assets | 89.6800% | 1,138 |
| Equity capital to assets | 9.7271% | 4,557 |
| Core capital (leverage) ratio | 9.1669% | 4,632 |
| Tier 1 risk-based capital ratio | 19.7485% | 1,737 |
| Total risk-based capital ratio | 20.9705% | 1,717 |
| Memoranda: | ||
| Average total assets | $160,943,200 | 3,612 |
| Average earning assets | $154,929,200 | 3,469 |
| Average equity | $16,990,000 | 3,635 |
| Average total loans | $72,771,200 | 4,244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 5,896 |
| Cost of funding earning assets | 0.4960% | 5,458 |
| Net interest margin | 3.3603% | 5,180 |
| Noninterest income to average assets | 0.3900% | 4,710 |
| Noninterest expense to average assets | 2.2999% | 5,677 |
| Loan and lease loss provision to assets | 0.1195% | 4,055 |
| Net operating income to assets | 0.9317% | 2,829 |
| Return on assets (ROA) | 1.0096% | 2,690 |
| Pretax return on assets | 1.3023% | 2,603 |
| Return on Equity (ROE) | 9.3522% | 2,652 |
| Retained earnings to average equity (ytd only) | 9.3522% | 1,106 |
| Net charge-offs to loans | 0.0958% | 4,423 |
| Credit loss provision to net charge-offs | 269.2308% | 1,012 |
| Earnings coverage of net charge-offs (x) | 29.7891% | 1,104 |
| Efficiency ratio | 63.5014% | 4,885 |
| Assets per employee ($millions) | 3.4360% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 4,530 |
| Loan loss allowance to noncurrent loans | 40.5868% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 3,078 |
| Noncurrent loans to loans | 3.3570% | 1,634 |
| Net loans and leases to total assets | 44.6496% | 5,910 |
| Net loans and leases to deposits | 50.6281% | 6,064 |
| Net loans and leases to core deposits | 52.1091% | 6,174 |
| Total domestic deposits to total assets | 88.1914% | 1,926 |
| Equity capital to assets | 11.0333% | 3,230 |
| Core capital (leverage) ratio | 10.1376% | 3,359 |
| Tier 1 risk-based capital ratio | 20.6197% | 1,615 |
| Total risk-based capital ratio | 21.8692% | 1,584 |
| Memoranda: | ||
| Average total assets | $156,232,250 | 3,718 |
| Average earning assets | $150,260,500 | 3,578 |
| Average equity | $16,865,500 | 3,681 |
| Average total loans | $72,336,000 | 4,312 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 5,855 |
| Cost of funding earning assets | 0.5157% | 5,515 |
| Net interest margin | 3.4081% | 5,048 |
| Noninterest income to average assets | 0.3936% | 4,698 |
| Noninterest expense to average assets | 2.3214% | 5,674 |
| Loan and lease loss provision to assets | 0.1165% | 4,066 |
| Net operating income to assets | 0.9477% | 2,670 |
| Return on assets (ROA) | 1.0603% | 2,436 |
| Pretax return on assets | 1.3788% | 2,295 |
| Return on Equity (ROE) | 9.8985% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.8985% | 1,003 |
| Net charge-offs to loans | 0.0277% | 4,989 |
| Credit loss provision to net charge-offs | 900.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 104.2000% | 409 |
| Efficiency ratio | 63.2451% | 5,045 |
| Assets per employee ($millions) | 3.1887% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,511 |
| Loan loss allowance to noncurrent loans | 51.2182% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3882% | 3,648 |
| Noncurrent loans to loans | 2.7087% | 2,218 |
| Net loans and leases to total assets | 44.9455% | 5,932 |
| Net loans and leases to deposits | 50.8269% | 6,122 |
| Net loans and leases to core deposits | 53.6379% | 6,121 |
| Total domestic deposits to total assets | 88.4286% | 1,864 |
| Equity capital to assets | 10.9513% | 3,170 |
| Core capital (leverage) ratio | 9.8370% | 3,666 |
| Tier 1 risk-based capital ratio | 20.8943% | 1,503 |
| Total risk-based capital ratio | 22.1450% | 1,475 |
| Memoranda: | ||
| Average total assets | $154,478,670 | 3,758 |
| Average earning assets | $148,529,000 | 3,629 |
| Average equity | $16,548,000 | 3,720 |
| Average total loans | $72,080,670 | 4,349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 5,849 |
| Cost of funding earning assets | 0.5199% | 5,679 |
| Net interest margin | 3.4524% | 4,907 |
| Noninterest income to average assets | 0.3333% | 5,194 |
| Noninterest expense to average assets | 2.3022% | 5,763 |
| Loan and lease loss provision to assets | 0.1172% | 3,883 |
| Net operating income to assets | 0.9278% | 2,796 |
| Return on assets (ROA) | 1.1485% | 2,066 |
| Pretax return on assets | 1.5287% | 1,801 |
| Return on Equity (ROE) | 10.8444% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.8444% | 1,077 |
| Net charge-offs to loans | -0.0055% | 5,810 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0078% | 5,103 |
| Assets per employee ($millions) | 3.0894% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,944 |
| Loan loss allowance to noncurrent loans | 50.1050% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 3,732 |
| Noncurrent loans to loans | 2.6281% | 2,475 |
| Net loans and leases to total assets | 47.2279% | 5,651 |
| Net loans and leases to deposits | 53.3421% | 5,877 |
| Net loans and leases to core deposits | 56.8847% | 5,828 |
| Total domestic deposits to total assets | 88.5377% | 1,988 |
| Equity capital to assets | 10.8982% | 3,030 |
| Core capital (leverage) ratio | 10.4158% | 2,853 |
| Tier 1 risk-based capital ratio | 20.0692% | 1,698 |
| Total risk-based capital ratio | 21.2970% | 1,673 |
| Memoranda: | ||
| Average total assets | $153,594,500 | 3,814 |
| Average earning assets | $147,724,000 | 3,663 |
| Average equity | $16,266,500 | 3,768 |
| Average total loans | $72,514,000 | 4,365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 6,052 |
| Cost of funding earning assets | 0.6597% | 5,774 |
| Net interest margin | 3.5395% | 4,984 |
| Noninterest income to average assets | 0.4198% | 4,450 |
| Noninterest expense to average assets | 2.5193% | 5,405 |
| Loan and lease loss provision to assets | 0.1644% | 4,574 |
| Net operating income to assets | 0.8476% | 2,833 |
| Return on assets (ROA) | 0.8563% | 2,942 |
| Pretax return on assets | 1.0347% | 3,104 |
| Return on Equity (ROE) | 7.9585% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.9090% | 2,711 |
| Net charge-offs to loans | 0.2534% | 4,191 |
| Credit loss provision to net charge-offs | 133.5227% | 2,271 |
| Earnings coverage of net charge-offs (x) | 9.6534% | 1,950 |
| Efficiency ratio | 67.9434% | 4,373 |
| Assets per employee ($millions) | 3.0550% | 5,982 |
| Cash dividends to net income (ytd only)* | 38.3170% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,165 |
| Loan loss allowance to noncurrent loans | 64.2604% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 4,361 |
| Noncurrent loans to loans | 1.9468% | 3,280 |
| Net loans and leases to total assets | 46.0002% | 6,013 |
| Net loans and leases to deposits | 51.6280% | 6,244 |
| Net loans and leases to core deposits | 55.0502% | 6,226 |
| Total domestic deposits to total assets | 89.0993% | 1,479 |
| Equity capital to assets | 10.2916% | 3,793 |
| Core capital (leverage) ratio | 9.6028% | 3,863 |
| Tier 1 risk-based capital ratio | 19.3555% | 1,802 |
| Total risk-based capital ratio | 20.5153% | 1,796 |
| Memoranda: | ||
| Average total assets | $142,935,600 | 3,930 |
| Average earning assets | $132,788,200 | 3,876 |
| Average equity | $15,379,800 | 3,839 |
| Average total loans | $69,444,000 | 4,511 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 6,081 |
| Cost of funding earning assets | 0.6985% | 5,773 |
| Net interest margin | 3.5519% | 4,973 |
| Noninterest income to average assets | 0.3884% | 4,749 |
| Noninterest expense to average assets | 2.5470% | 5,294 |
| Loan and lease loss provision to assets | 0.1479% | 4,599 |
| Net operating income to assets | 0.8105% | 3,109 |
| Return on assets (ROA) | 0.8121% | 3,263 |
| Pretax return on assets | 0.9610% | 3,551 |
| Return on Equity (ROE) | 7.4569% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.4569% | 1,731 |
| Net charge-offs to loans | 0.2078% | 4,136 |
| Credit loss provision to net charge-offs | 144.8598% | 2,187 |
| Earnings coverage of net charge-offs (x) | 10.8414% | 1,875 |
| Efficiency ratio | 69.7049% | 4,000 |
| Assets per employee ($millions) | 3.1379% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 5,125 |
| Loan loss allowance to noncurrent loans | 46.7952% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5792% | 3,723 |
| Noncurrent loans to loans | 2.7233% | 2,573 |
| Net loans and leases to total assets | 47.1711% | 6,037 |
| Net loans and leases to deposits | 53.3366% | 6,267 |
| Net loans and leases to core deposits | 57.4852% | 6,168 |
| Total domestic deposits to total assets | 88.4405% | 1,791 |
| Equity capital to assets | 10.9127% | 3,228 |
| Core capital (leverage) ratio | 10.6832% | 2,683 |
| Tier 1 risk-based capital ratio | 21.0203% | 1,450 |
| Total risk-based capital ratio | 22.2581% | 1,429 |
| Memoranda: | ||
| Average total assets | $139,718,000 | 4,004 |
| Average earning assets | $128,454,250 | 3,982 |
| Average equity | $15,216,000 | 3,874 |
| Average total loans | $68,660,250 | 4,578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 5,889 |
| Cost of funding earning assets | 0.7610% | 5,622 |
| Net interest margin | 3.5746% | 4,814 |
| Noninterest income to average assets | 0.3967% | 4,709 |
| Noninterest expense to average assets | 2.6019% | 5,172 |
| Loan and lease loss provision to assets | 0.1750% | 4,172 |
| Net operating income to assets | 0.7540% | 3,269 |
| Return on assets (ROA) | 0.7540% | 3,399 |
| Pretax return on assets | 0.8532% | 3,819 |
| Return on Equity (ROE) | 6.9287% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.9287% | 1,912 |
| Net charge-offs to loans | 0.3174% | 3,284 |
| Credit loss provision to net charge-offs | 111.1111% | 2,755 |
| Earnings coverage of net charge-offs (x) | 6.5278% | 2,383 |
| Efficiency ratio | 71.6754% | 3,803 |
| Assets per employee ($millions) | 2.8483% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,244 |
| Loan loss allowance to noncurrent loans | 62.1485% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 4,290 |
| Noncurrent loans to loans | 2.0314% | 3,441 |
| Net loans and leases to total assets | 48.3051% | 6,023 |
| Net loans and leases to deposits | 54.6033% | 6,260 |
| Net loans and leases to core deposits | 57.6125% | 6,297 |
| Total domestic deposits to total assets | 88.4656% | 1,874 |
| Equity capital to assets | 11.0622% | 2,893 |
| Core capital (leverage) ratio | 10.2633% | 2,960 |
| Tier 1 risk-based capital ratio | 21.4241% | 1,337 |
| Total risk-based capital ratio | 22.6622% | 1,321 |
| Memoranda: | ||
| Average total assets | $137,130,670 | 4,078 |
| Average earning assets | $124,041,670 | 4,116 |
| Average equity | $14,923,330 | 3,920 |
| Average total loans | $68,058,330 | 4,642 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 5,174 |
| Cost of funding earning assets | 0.8375% | 5,348 |
| Net interest margin | 3.7118% | 4,036 |
| Noninterest income to average assets | 0.3708% | 4,942 |
| Noninterest expense to average assets | 2.6988% | 4,838 |
| Loan and lease loss provision to assets | 0.1913% | 3,715 |
| Net operating income to assets | 0.6769% | 3,626 |
| Return on assets (ROA) | 0.6769% | 3,693 |
| Pretax return on assets | 0.7416% | 4,140 |
| Return on Equity (ROE) | 6.2732% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.2732% | 2,477 |
| Net charge-offs to loans | 0.3650% | 2,607 |
| Credit loss provision to net charge-offs | 104.8387% | 2,541 |
| Earnings coverage of net charge-offs (x) | 5.1129% | 2,330 |
| Efficiency ratio | 74.3112% | 3,464 |
| Assets per employee ($millions) | 3.0785% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 5,289 |
| Loan loss allowance to noncurrent loans | 55.6063% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 4,371 |
| Noncurrent loans to loans | 2.2858% | 3,213 |
| Net loans and leases to total assets | 47.8272% | 6,099 |
| Net loans and leases to deposits | 53.7932% | 6,305 |
| Net loans and leases to core deposits | 56.9699% | 6,343 |
| Total domestic deposits to total assets | 88.9094% | 1,829 |
| Equity capital to assets | 10.7398% | 2,942 |
| Core capital (leverage) ratio | 10.8776% | 2,288 |
| Tier 1 risk-based capital ratio | 20.0153% | 1,584 |
| Total risk-based capital ratio | 21.1824% | 1,569 |
| Memoranda: | ||
| Average total assets | $135,913,500 | 4,136 |
| Average earning assets | $119,402,500 | 4,233 |
| Average equity | $14,665,500 | 3,962 |
| Average total loans | $67,948,000 | 4,688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 3,719 |
| Cost of funding earning assets | 1.0675% | 5,331 |
| Net interest margin | 4.1090% | 2,524 |
| Noninterest income to average assets | 0.4561% | 4,472 |
| Noninterest expense to average assets | 2.8563% | 4,388 |
| Loan and lease loss provision to assets | 0.1933% | 5,299 |
| Net operating income to assets | 0.7856% | 2,868 |
| Return on assets (ROA) | 0.8758% | 2,620 |
| Pretax return on assets | 1.0131% | 2,886 |
| Return on Equity (ROE) | 7.6710% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.0843% | 3,000 |
| Net charge-offs to loans | 0.2485% | 4,802 |
| Credit loss provision to net charge-offs | 142.4419% | 2,627 |
| Earnings coverage of net charge-offs (x) | 8.1163% | 2,011 |
| Efficiency ratio | 72.1691% | 3,760 |
| Assets per employee ($millions) | 2.9621% | 6,183 |
| Cash dividends to net income (ytd only)* | 46.7568% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 5,349 |
| Loan loss allowance to noncurrent loans | 42.7492% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 3,785 |
| Noncurrent loans to loans | 2.8872% | 2,633 |
| Net loans and leases to total assets | 50.9682% | 6,047 |
| Net loans and leases to deposits | 57.3336% | 6,322 |
| Net loans and leases to core deposits | 60.7224% | 6,335 |
| Total domestic deposits to total assets | 88.8976% | 1,715 |
| Equity capital to assets | 10.8429% | 2,822 |
| Core capital (leverage) ratio | 10.5799% | 2,480 |
| Tier 1 risk-based capital ratio | 19.5190% | 1,589 |
| Total risk-based capital ratio | 20.6700% | 1,583 |
| Memoranda: | ||
| Average total assets | $126,736,600 | 4,338 |
| Average earning assets | $108,008,000 | 4,513 |
| Average equity | $14,470,000 | 4,034 |
| Average total loans | $69,214,200 | 4,706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 4,154 |
| Cost of funding earning assets | 1.0879% | 5,499 |
| Net interest margin | 4.0456% | 2,877 |
| Noninterest income to average assets | 0.4679% | 4,432 |
| Noninterest expense to average assets | 2.7967% | 4,502 |
| Loan and lease loss provision to assets | 0.1865% | 5,176 |
| Net operating income to assets | 0.8626% | 2,772 |
| Return on assets (ROA) | 0.8718% | 2,863 |
| Pretax return on assets | 1.0029% | 3,173 |
| Return on Equity (ROE) | 7.5350% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.5350% | 1,585 |
| Net charge-offs to loans | 0.2116% | 4,670 |
| Credit loss provision to net charge-offs | 159.0909% | 2,391 |
| Earnings coverage of net charge-offs (x) | 10.0548% | 1,925 |
| Efficiency ratio | 70.3485% | 3,995 |
| Assets per employee ($millions) | 2.6836% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,443 |
| Loan loss allowance to noncurrent loans | 36.8214% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8779% | 3,636 |
| Noncurrent loans to loans | 3.2869% | 2,408 |
| Net loans and leases to total assets | 53.2916% | 5,947 |
| Net loans and leases to deposits | 60.4566% | 6,273 |
| Net loans and leases to core deposits | 64.0283% | 6,299 |
| Total domestic deposits to total assets | 88.1486% | 1,872 |
| Equity capital to assets | 11.5572% | 2,485 |
| Core capital (leverage) ratio | 11.3826% | 2,021 |
| Tier 1 risk-based capital ratio | 20.9143% | 1,373 |
| Total risk-based capital ratio | 22.1169% | 1,363 |
| Memoranda: | ||
| Average total assets | $125,097,000 | 4,439 |
| Average earning assets | $108,459,500 | 4,557 |
| Average equity | $14,474,250 | 4,099 |
| Average total loans | $69,321,000 | 4,784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 4,041 |
| Cost of funding earning assets | 1.1080% | 5,627 |
| Net interest margin | 4.0732% | 2,687 |
| Noninterest income to average assets | 0.4667% | 4,387 |
| Noninterest expense to average assets | 2.7967% | 4,495 |
| Loan and lease loss provision to assets | 0.2261% | 4,645 |
| Net operating income to assets | 0.8768% | 2,634 |
| Return on assets (ROA) | 0.8865% | 2,722 |
| Pretax return on assets | 1.0286% | 3,013 |
| Return on Equity (ROE) | 7.6587% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.6587% | 1,574 |
| Net charge-offs to loans | 0.2223% | 4,269 |
| Credit loss provision to net charge-offs | 181.8182% | 2,161 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,947 |
| Efficiency ratio | 69.2246% | 4,327 |
| Assets per employee ($millions) | 2.8820% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,326 |
| Loan loss allowance to noncurrent loans | 56.2626% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 4,828 |
| Noncurrent loans to loans | 2.1776% | 3,501 |
| Net loans and leases to total assets | 52.2172% | 6,188 |
| Net loans and leases to deposits | 59.0702% | 6,494 |
| Net loans and leases to core deposits | 62.0326% | 6,544 |
| Total domestic deposits to total assets | 88.3986% | 1,781 |
| Equity capital to assets | 11.2483% | 2,640 |
| Core capital (leverage) ratio | 11.1607% | 2,128 |
| Tier 1 risk-based capital ratio | 20.7528% | 1,384 |
| Total risk-based capital ratio | 21.9670% | 1,361 |
| Memoranda: | ||
| Average total assets | $123,858,670 | 4,492 |
| Average earning assets | $108,660,670 | 4,591 |
| Average equity | $14,336,670 | 4,127 |
| Average total loans | $69,265,670 | 4,812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2303% | 3,877 |
| Cost of funding earning assets | 1.1003% | 5,911 |
| Net interest margin | 4.1300% | 2,322 |
| Noninterest income to average assets | 0.4630% | 4,358 |
| Noninterest expense to average assets | 2.7881% | 4,526 |
| Loan and lease loss provision to assets | 0.2481% | 4,065 |
| Net operating income to assets | 0.9542% | 2,346 |
| Return on assets (ROA) | 0.9624% | 2,385 |
| Pretax return on assets | 1.1609% | 2,509 |
| Return on Equity (ROE) | 8.1908% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.1908% | 1,625 |
| Net charge-offs to loans | 0.2586% | 3,384 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 1,859 |
| Efficiency ratio | 66.5877% | 4,988 |
| Assets per employee ($millions) | 2.6449% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,663 |
| Loan loss allowance to noncurrent loans | 57.9741% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,880 |
| Noncurrent loans to loans | 2.0164% | 3,776 |
| Net loans and leases to total assets | 56.0790% | 5,729 |
| Net loans and leases to deposits | 63.8588% | 6,063 |
| Net loans and leases to core deposits | 66.9335% | 6,212 |
| Total domestic deposits to total assets | 87.8173% | 2,162 |
| Equity capital to assets | 11.7866% | 2,174 |
| Core capital (leverage) ratio | 11.4767% | 1,927 |
| Tier 1 risk-based capital ratio | 19.1487% | 1,685 |
| Total risk-based capital ratio | 20.2447% | 1,690 |
| Memoranda: | ||
| Average total assets | $120,942,500 | 4,605 |
| Average earning assets | $109,057,000 | 4,634 |
| Average equity | $14,211,000 | 4,194 |
| Average total loans | $69,618,000 | 4,876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 4,651 |
| Cost of funding earning assets | 1.2834% | 6,368 |
| Net interest margin | 4.1273% | 2,337 |
| Noninterest income to average assets | 0.4734% | 4,623 |
| Noninterest expense to average assets | 2.8272% | 4,850 |
| Loan and lease loss provision to assets | 0.2471% | 5,416 |
| Net operating income to assets | 0.8990% | 2,180 |
| Return on assets (ROA) | 0.9145% | 2,196 |
| Pretax return on assets | 1.0728% | 2,332 |
| Return on Equity (ROE) | 7.9483% | 2,393 |
| Retained earnings to average equity (ytd only) | 4.8785% | 1,885 |
| Net charge-offs to loans | 0.4043% | 4,205 |
| Credit loss provision to net charge-offs | 109.9631% | 5,006 |
| Earnings coverage of net charge-offs (x) | 5.7934% | 2,499 |
| Efficiency ratio | 68.4739% | 4,927 |
| Assets per employee ($millions) | 2.5046% | 7,198 |
| Cash dividends to net income (ytd only)* | 38.6219% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,862 |
| Loan loss allowance to noncurrent loans | 46.0308% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 4,312 |
| Noncurrent loans to loans | 2.4045% | 3,157 |
| Net loans and leases to total assets | 57.7470% | 5,699 |
| Net loans and leases to deposits | 65.7026% | 6,084 |
| Net loans and leases to core deposits | 75.2246% | 6,457 |
| Total domestic deposits to total assets | 87.8915% | 2,018 |
| Equity capital to assets | 11.7134% | 2,179 |
| Core capital (leverage) ratio | 10.7902% | 2,353 |
| Tier 1 risk-based capital ratio | 19.3016% | 1,591 |
| Total risk-based capital ratio | 20.3878% | 1,589 |
| Memoranda: | ||
| Average total assets | $120,615,000 | 4,546 |
| Average earning assets | $106,826,000 | 4,658 |
| Average equity | $13,877,200 | 4,289 |
| Average total loans | $67,029,000 | 4,978 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 4,745 |
| Cost of funding earning assets | 1.3319% | 6,462 |
| Net interest margin | 4.1076% | 2,365 |
| Noninterest income to average assets | 0.4749% | 4,711 |
| Noninterest expense to average assets | 2.7779% | 4,987 |
| Loan and lease loss provision to assets | 0.1690% | 5,668 |
| Net operating income to assets | 0.9397% | 2,271 |
| Return on assets (ROA) | 0.9598% | 2,258 |
| Pretax return on assets | 1.1631% | 2,373 |
| Return on Equity (ROE) | 8.3802% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.3802% | 1,017 |
| Net charge-offs to loans | 0.3804% | 3,749 |
| Credit loss provision to net charge-offs | 80.9524% | 5,738 |
| Earnings coverage of net charge-offs (x) | 6.2647% | 2,631 |
| Efficiency ratio | 67.9913% | 4,979 |
| Assets per employee ($millions) | 2.5139% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,076 |
| Loan loss allowance to noncurrent loans | 42.3237% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 4,246 |
| Noncurrent loans to loans | 2.4510% | 3,079 |
| Net loans and leases to total assets | 57.6490% | 5,941 |
| Net loans and leases to deposits | 65.8966% | 6,319 |
| Net loans and leases to core deposits | 75.0857% | 6,663 |
| Total domestic deposits to total assets | 87.4840% | 1,897 |
| Equity capital to assets | 12.1131% | 2,181 |
| Core capital (leverage) ratio | 11.8504% | 1,867 |
| Tier 1 risk-based capital ratio | 20.1546% | 1,527 |
| Total risk-based capital ratio | 21.1825% | 1,525 |
| Memoranda: | ||
| Average total assets | $120,713,500 | 4,575 |
| Average earning assets | $106,110,750 | 4,703 |
| Average equity | $13,826,000 | 4,332 |
| Average total loans | $66,236,000 | 5,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 4,812 |
| Cost of funding earning assets | 1.3882% | 6,522 |
| Net interest margin | 4.0771% | 2,404 |
| Noninterest income to average assets | 0.4656% | 4,742 |
| Noninterest expense to average assets | 2.7475% | 5,188 |
| Loan and lease loss provision to assets | 0.1563% | 5,506 |
| Net operating income to assets | 0.8664% | 2,584 |
| Return on assets (ROA) | 0.8950% | 2,581 |
| Pretax return on assets | 1.1302% | 2,535 |
| Return on Equity (ROE) | 7.9625% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.9625% | 1,222 |
| Net charge-offs to loans | 0.3518% | 3,428 |
| Credit loss provision to net charge-offs | 82.6087% | 5,129 |
| Earnings coverage of net charge-offs (x) | 6.6087% | 2,587 |
| Efficiency ratio | 68.7243% | 5,027 |
| Assets per employee ($millions) | 2.5002% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,683 |
| Loan loss allowance to noncurrent loans | 33.8590% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 1.8348% | 3,422 |
| Noncurrent loans to loans | 3.2119% | 2,218 |
| Net loans and leases to total assets | 56.5025% | 6,155 |
| Net loans and leases to deposits | 64.3126% | 6,533 |
| Net loans and leases to core deposits | 73.1738% | 6,832 |
| Total domestic deposits to total assets | 87.8561% | 1,836 |
| Equity capital to assets | 11.7992% | 2,326 |
| Core capital (leverage) ratio | 11.7651% | 1,942 |
| Tier 1 risk-based capital ratio | 18.2884% | 1,936 |
| Total risk-based capital ratio | 19.2647% | 1,951 |
| Memoranda: | ||
| Average total assets | $121,567,000 | 4,593 |
| Average earning assets | $105,319,670 | 4,746 |
| Average equity | $13,664,000 | 4,379 |
| Average total loans | $65,372,000 | 5,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 4,965 |
| Cost of funding earning assets | 1.3754% | 6,798 |
| Net interest margin | 4.1147% | 2,229 |
| Noninterest income to average assets | 0.4563% | 4,710 |
| Noninterest expense to average assets | 2.5923% | 5,489 |
| Loan and lease loss provision to assets | 0.1456% | 5,082 |
| Net operating income to assets | 0.9445% | 2,531 |
| Return on assets (ROA) | 1.0000% | 2,444 |
| Pretax return on assets | 1.2751% | 2,358 |
| Return on Equity (ROE) | 9.1127% | 2,664 |
| Retained earnings to average equity (ytd only) | 9.1127% | 1,441 |
| Net charge-offs to loans | 0.3101% | 2,866 |
| Credit loss provision to net charge-offs | 90.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.3400% | 2,205 |
| Efficiency ratio | 65.7635% | 5,373 |
| Assets per employee ($millions) | 2.8421% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,176 |
| Loan loss allowance to noncurrent loans | 52.3910% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 4,401 |
| Noncurrent loans to loans | 2.1796% | 3,008 |
| Net loans and leases to total assets | 51.5745% | 6,722 |
| Net loans and leases to deposits | 58.2052% | 7,021 |
| Net loans and leases to core deposits | 65.0306% | 7,275 |
| Total domestic deposits to total assets | 88.6081% | 1,418 |
| Equity capital to assets | 10.9697% | 2,990 |
| Core capital (leverage) ratio | 11.0153% | 2,487 |
| Tier 1 risk-based capital ratio | 19.9214% | 1,638 |
| Total risk-based capital ratio | 21.0256% | 1,615 |
| Memoranda: | ||
| Average total assets | $123,596,500 | 4,556 |
| Average earning assets | $104,697,500 | 4,782 |
| Average equity | $13,563,500 | 4,431 |
| Average total loans | $64,495,500 | 5,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 7,283 |
| Cost of funding earning assets | 1.6606% | 7,339 |
| Net interest margin | 3.8468% | 3,807 |
| Noninterest income to average assets | 0.5258% | 4,417 |
| Noninterest expense to average assets | 2.6078% | 5,620 |
| Loan and lease loss provision to assets | 0.1264% | 5,748 |
| Net operating income to assets | 0.9978% | 2,568 |
| Return on assets (ROA) | 1.0912% | 2,097 |
| Pretax return on assets | 1.4071% | 1,955 |
| Return on Equity (ROE) | 10.0297% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.7226% | 1,256 |
| Net charge-offs to loans | 0.2341% | 3,906 |
| Credit loss provision to net charge-offs | 106.3830% | 5,042 |
| Earnings coverage of net charge-offs (x) | 11.9007% | 2,314 |
| Efficiency ratio | 64.8439% | 5,361 |
| Assets per employee ($millions) | 2.7142% | 6,752 |
| Cash dividends to net income (ytd only)* | 32.9730% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 4,726 |
| Loan loss allowance to noncurrent loans | 48.7013% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 3,703 |
| Noncurrent loans to loans | 2.4157% | 2,269 |
| Net loans and leases to total assets | 51.5806% | 6,883 |
| Net loans and leases to deposits | 59.0313% | 7,149 |
| Net loans and leases to core deposits | 65.4879% | 7,379 |
| Total domestic deposits to total assets | 87.3783% | 1,769 |
| Equity capital to assets | 10.9785% | 3,057 |
| Core capital (leverage) ratio | 11.2709% | 2,388 |
| Tier 1 risk-based capital ratio | 19.0751% | 1,798 |
| Total risk-based capital ratio | 20.1648% | 1,787 |
| Memoranda: | ||
| Average total assets | $118,680,400 | 4,555 |
| Average earning assets | $107,855,800 | 4,566 |
| Average equity | $12,911,600 | 4,600 |
| Average total loans | $60,219,400 | 5,254 |