Home > The Peoples Bank and Trust Company of Pointe Coupee Parish, Louisiana > Performance and Condition Ratios
The Peoples Bank and Trust Company of Pointe Coupee Parish, Louisiana, Performance and Condition Ratios
| 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 | 5.9205% | 487 |
| Cost of funding earning assets | 0.8054% | 3,193 |
| Net interest margin | 5.1152% | 267 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.8849% | 3,851 |
| Loan and lease loss provision to assets | 0.8200% | 87 |
| Net operating income to assets | 1.8880% | 572 |
| Return on assets (ROA) | 1.8880% | 568 |
| Pretax return on assets | 2.3876% | 405 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 10.1890% | 1,355 |
| Net charge-offs to loans | 0.0008% | 2,408 |
| Credit loss provision to net charge-offs | 135,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 5,264.0000% | 13 |
| Efficiency ratio | 36.9883% | 4,452 |
| Assets per employee ($millions) | 7.4357% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,038 |
| Loan loss allowance to noncurrent loans | 27.3748% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 3.7778% | 44 |
| Noncurrent loans to loans | 4.6574% | 61 |
| Net loans and leases to total assets | 78.5200% | 782 |
| Net loans and leases to deposits | 99.7390% | 524 |
| Net loans and leases to core deposits | 111.9484% | 749 |
| Total domestic deposits to total assets | 78.7200% | 3,759 |
| Equity capital to assets | 19.4820% | 297 |
| Core capital (leverage) ratio | 19.3552% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $327,865,667 | 2,287 |
| Average earning assets | $309,667,667 | 2,259 |
| Average equity | $60,751,667 | 1,376 |
| Average total loans | $255,744,333 | 1,977 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 448 |
| Cost of funding earning assets | 0.6915% | 3,076 |
| Net interest margin | 5.0574% | 276 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.8269% | 3,983 |
| Loan and lease loss provision to assets | 0.9000% | 75 |
| Net operating income to assets | 1.8317% | 639 |
| Return on assets (ROA) | 1.8317% | 626 |
| Pretax return on assets | 2.3222% | 466 |
| Return on Equity (ROE) | 10.1400% | 2,748 |
| Retained earnings to average equity (ytd only) | 10.1364% | 1,667 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.1555% | 4,536 |
| Assets per employee ($millions) | 7.2646% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,378 |
| Loan loss allowance to noncurrent loans | 35.7694% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3713% | 84 |
| Noncurrent loans to loans | 2.8836% | 158 |
| Net loans and leases to total assets | 77.5700% | 813 |
| Net loans and leases to deposits | 97.2900% | 579 |
| Net loans and leases to core deposits | 106.5928% | 815 |
| Total domestic deposits to total assets | 79.7400% | 3,798 |
| Equity capital to assets | 18.5903% | 281 |
| Core capital (leverage) ratio | 18.6428% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $331,930,500 | 2,308 |
| Average earning assets | $313,522,000 | 2,280 |
| Average equity | $59,982,000 | 1,393 |
| Average total loans | $256,474,500 | 1,996 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 372 |
| Cost of funding earning assets | 0.4698% | 1,588 |
| Net interest margin | 4.4113% | 343 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9370% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0349% | 278 |
| Return on assets (ROA) | 2.0349% | 267 |
| Pretax return on assets | 2.5629% | 197 |
| Return on Equity (ROE) | 13.0900% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.4275% | 1,032 |
| Net charge-offs to loans | 0.0048% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 715.3077% | 251 |
| Efficiency ratio | 43.0453% | 4,460 |
| Assets per employee ($millions) | 7.1692% | 1,851 |
| Cash dividends to net income (ytd only)* | 20.3169% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 4,156 |
| Loan loss allowance to noncurrent loans | 57.6782% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 392 |
| Noncurrent loans to loans | 1.2785% | 539 |
| Net loans and leases to total assets | 75.6200% | 1,041 |
| Net loans and leases to deposits | 93.2917% | 829 |
| Net loans and leases to core deposits | 99.8738% | 1,012 |
| Total domestic deposits to total assets | 81.0600% | 3,747 |
| Equity capital to assets | 17.5520% | 315 |
| Core capital (leverage) ratio | 17.4386% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $362,824,400 | 2,167 |
| Average earning assets | $345,886,000 | 2,127 |
| Average equity | $56,418,200 | 1,472 |
| Average total loans | $268,826,200 | 1,860 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 393 |
| Cost of funding earning assets | 0.4800% | 840 |
| Net interest margin | 4.1639% | 455 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.8915% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8929% | 350 |
| Return on assets (ROA) | 1.8929% | 344 |
| Pretax return on assets | 2.3933% | 240 |
| Return on Equity (ROE) | 12.5400% | 1,862 |
| Retained earnings to average equity (ytd only) | 11.3458% | 956 |
| Net charge-offs to loans | 0.0039% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 828.6250% | 196 |
| Efficiency ratio | 44.1439% | 4,464 |
| Assets per employee ($millions) | 7.2953% | 1,754 |
| Cash dividends to net income (ytd only)* | 9.5365% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 4,236 |
| Loan loss allowance to noncurrent loans | 98.1386% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 801 |
| Noncurrent loans to loans | 0.7229% | 1,128 |
| Net loans and leases to total assets | 75.8600% | 922 |
| Net loans and leases to deposits | 94.2501% | 626 |
| Net loans and leases to core deposits | 99.7833% | 822 |
| Total domestic deposits to total assets | 80.4900% | 4,055 |
| Equity capital to assets | 16.5369% | 344 |
| Core capital (leverage) ratio | 16.7795% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $369,292,000 | 2,158 |
| Average earning assets | $352,769,500 | 2,112 |
| Average equity | $55,737,250 | 1,500 |
| Average total loans | $271,855,250 | 1,847 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 398 |
| Cost of funding earning assets | 0.5161% | 473 |
| Net interest margin | 3.9417% | 565 |
| Noninterest income to average assets | 0.3099% | 3,305 |
| Noninterest expense to average assets | 1.8123% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7984% | 337 |
| Return on assets (ROA) | 1.7984% | 331 |
| Pretax return on assets | 2.2706% | 221 |
| Return on Equity (ROE) | 12.2806% | 1,591 |
| Retained earnings to average equity (ytd only) | 10.4629% | 911 |
| Net charge-offs to loans | 0.0073% | 1,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 426.5000% | 295 |
| Efficiency ratio | 44.3865% | 4,511 |
| Assets per employee ($millions) | 7.6884% | 1,488 |
| Cash dividends to net income (ytd only)* | 14.8017% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 4,313 |
| Loan loss allowance to noncurrent loans | 42.3877% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 291 |
| Noncurrent loans to loans | 1.6782% | 421 |
| Net loans and leases to total assets | 73.2352% | 981 |
| Net loans and leases to deposits | 89.7693% | 735 |
| Net loans and leases to core deposits | 99.3017% | 696 |
| Total domestic deposits to total assets | 81.5815% | 4,065 |
| Equity capital to assets | 15.6024% | 360 |
| Core capital (leverage) ratio | 15.3815% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,664,667 | 2,137 |
| Average earning assets | $359,593,667 | 2,102 |
| Average equity | $55,013,667 | 1,546 |
| Average total loans | $273,293,667 | 1,839 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 371 |
| Cost of funding earning assets | 0.5736% | 307 |
| Net interest margin | 3.8355% | 591 |
| Noninterest income to average assets | 0.3782% | 2,825 |
| Noninterest expense to average assets | 1.7711% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8045% | 328 |
| Return on assets (ROA) | 1.8045% | 327 |
| Pretax return on assets | 2.2820% | 234 |
| Return on Equity (ROE) | 12.7148% | 1,105 |
| Retained earnings to average equity (ytd only) | 9.0336% | 1,261 |
| Net charge-offs to loans | 0.0058% | 1,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 185 |
| Efficiency ratio | 43.6968% | 4,561 |
| Assets per employee ($millions) | 7.6494% | 1,587 |
| Cash dividends to net income (ytd only)* | 28.9519% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 4,399 |
| Loan loss allowance to noncurrent loans | 86.7701% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 984 |
| Noncurrent loans to loans | 0.7977% | 1,189 |
| Net loans and leases to total assets | 71.3466% | 892 |
| Net loans and leases to deposits | 85.9848% | 740 |
| Net loans and leases to core deposits | 95.3959% | 679 |
| Total domestic deposits to total assets | 82.9758% | 3,942 |
| Equity capital to assets | 14.3377% | 472 |
| Core capital (leverage) ratio | 14.3535% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,819,500 | 2,123 |
| Average earning assets | $366,786,500 | 2,087 |
| Average equity | $54,330,500 | 1,615 |
| Average total loans | $276,673,000 | 1,807 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 288 |
| Cost of funding earning assets | 0.8454% | 158 |
| Net interest margin | 4.0759% | 620 |
| Noninterest income to average assets | 0.2780% | 3,722 |
| Noninterest expense to average assets | 1.9233% | 3,871 |
| Loan and lease loss provision to assets | 0.0927% | 1,345 |
| Net operating income to assets | 1.7105% | 618 |
| Return on assets (ROA) | 1.7105% | 641 |
| Pretax return on assets | 2.1501% | 457 |
| Return on Equity (ROE) | 12.5027% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.5182% | 616 |
| Net charge-offs to loans | 0.0844% | 957 |
| Credit loss provision to net charge-offs | 142.7386% | 1,528 |
| Earnings coverage of net charge-offs (x) | 34.5477% | 1,514 |
| Efficiency ratio | 46.1658% | 4,492 |
| Assets per employee ($millions) | 7.9827% | 1,345 |
| Cash dividends to net income (ytd only)* | 7.8740% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 4,447 |
| Loan loss allowance to noncurrent loans | 65.2516% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 678 |
| Noncurrent loans to loans | 1.0486% | 938 |
| Net loans and leases to total assets | 72.2028% | 827 |
| Net loans and leases to deposits | 86.5106% | 748 |
| Net loans and leases to core deposits | 96.2376% | 681 |
| Total domestic deposits to total assets | 83.4612% | 3,705 |
| Equity capital to assets | 14.0470% | 653 |
| Core capital (leverage) ratio | 14.0574% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,239,400 | 2,104 |
| Average earning assets | $354,133,200 | 2,063 |
| Average equity | $50,789,000 | 1,740 |
| Average total loans | $285,520,800 | 1,764 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 285 |
| Cost of funding earning assets | 0.8868% | 162 |
| Net interest margin | 4.1448% | 605 |
| Noninterest income to average assets | 0.2578% | 3,852 |
| Noninterest expense to average assets | 1.9638% | 3,781 |
| Loan and lease loss provision to assets | 0.0880% | 1,355 |
| Net operating income to assets | 1.7035% | 821 |
| Return on assets (ROA) | 1.7035% | 860 |
| Pretax return on assets | 2.1575% | 598 |
| Return on Equity (ROE) | 12.5388% | 1,852 |
| Retained earnings to average equity (ytd only) | 11.2063% | 1,009 |
| Net charge-offs to loans | 0.1128% | 680 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 25.5226% | 1,615 |
| Efficiency ratio | 46.6541% | 4,464 |
| Assets per employee ($millions) | 7.7669% | 1,404 |
| Cash dividends to net income (ytd only)* | 10.6270% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 4,599 |
| Loan loss allowance to noncurrent loans | 42.8130% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 501 |
| Noncurrent loans to loans | 1.4660% | 722 |
| Net loans and leases to total assets | 74.9674% | 616 |
| Net loans and leases to deposits | 89.7670% | 620 |
| Net loans and leases to core deposits | 101.0258% | 553 |
| Total domestic deposits to total assets | 83.5133% | 3,579 |
| Equity capital to assets | 13.7170% | 803 |
| Core capital (leverage) ratio | 14.0128% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,256,500 | 2,134 |
| Average earning assets | $351,085,000 | 2,096 |
| Average equity | $50,030,250 | 1,779 |
| Average total loans | $287,259,500 | 1,782 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 252 |
| Cost of funding earning assets | 0.9164% | 173 |
| Net interest margin | 4.2912% | 500 |
| Noninterest income to average assets | 0.2526% | 3,882 |
| Noninterest expense to average assets | 1.9558% | 3,822 |
| Loan and lease loss provision to assets | 0.1164% | 1,084 |
| Net operating income to assets | 1.7938% | 729 |
| Return on assets (ROA) | 1.7938% | 764 |
| Pretax return on assets | 2.2721% | 507 |
| Return on Equity (ROE) | 13.2480% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.2198% | 1,073 |
| Net charge-offs to loans | 0.1483% | 555 |
| Credit loss provision to net charge-offs | 99.5305% | 1,394 |
| Earnings coverage of net charge-offs (x) | 20.4178% | 1,527 |
| Efficiency ratio | 45.0190% | 4,568 |
| Assets per employee ($millions) | 7.0109% | 1,801 |
| Cash dividends to net income (ytd only)* | 15.3092% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 4,636 |
| Loan loss allowance to noncurrent loans | 43.1513% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 561 |
| Noncurrent loans to loans | 1.4296% | 814 |
| Net loans and leases to total assets | 78.1273% | 439 |
| Net loans and leases to deposits | 94.8988% | 424 |
| Net loans and leases to core deposits | 106.7369% | 449 |
| Total domestic deposits to total assets | 82.3270% | 3,854 |
| Equity capital to assets | 13.6636% | 793 |
| Core capital (leverage) ratio | 13.7955% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,148,667 | 2,136 |
| Average earning assets | $347,222,000 | 2,104 |
| Average equity | $49,305,667 | 1,793 |
| Average total loans | $287,308,333 | 1,797 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 208 |
| Cost of funding earning assets | 0.9296% | 193 |
| Net interest margin | 4.4976% | 356 |
| Noninterest income to average assets | 0.2475% | 3,913 |
| Noninterest expense to average assets | 2.0287% | 3,632 |
| Loan and lease loss provision to assets | 0.2353% | 467 |
| Net operating income to assets | 1.7956% | 792 |
| Return on assets (ROA) | 1.7956% | 847 |
| Pretax return on assets | 2.2628% | 622 |
| Return on Equity (ROE) | 13.3243% | 1,588 |
| Retained earnings to average equity (ytd only) | 9.2068% | 1,886 |
| Net charge-offs to loans | 0.2878% | 296 |
| Credit loss provision to net charge-offs | 103.4146% | 1,094 |
| Earnings coverage of net charge-offs (x) | 10.9805% | 1,474 |
| Efficiency ratio | 44.8149% | 4,536 |
| Assets per employee ($millions) | 6.9943% | 1,808 |
| Cash dividends to net income (ytd only)* | 30.9023% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 4,658 |
| Loan loss allowance to noncurrent loans | 56.9226% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 863 |
| Noncurrent loans to loans | 1.1008% | 1,212 |
| Net loans and leases to total assets | 78.8822% | 406 |
| Net loans and leases to deposits | 96.4071% | 397 |
| Net loans and leases to core deposits | 108.7996% | 444 |
| Total domestic deposits to total assets | 81.8220% | 3,925 |
| Equity capital to assets | 13.5063% | 786 |
| Core capital (leverage) ratio | 13.6422% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,434,000 | 2,137 |
| Average earning assets | $342,939,000 | 2,112 |
| Average equity | $48,573,000 | 1,800 |
| Average total loans | $284,909,500 | 1,808 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 205 |
| Cost of funding earning assets | 1.2082% | 265 |
| Net interest margin | 4.2390% | 577 |
| Noninterest income to average assets | 0.2414% | 4,047 |
| Noninterest expense to average assets | 2.1281% | 3,877 |
| Loan and lease loss provision to assets | 0.1629% | 2,341 |
| Net operating income to assets | 1.5763% | 673 |
| Return on assets (ROA) | 1.5806% | 724 |
| Pretax return on assets | 1.9831% | 472 |
| Return on Equity (ROE) | 11.6300% | 1,435 |
| Retained earnings to average equity (ytd only) | 10.5282% | 489 |
| Net charge-offs to loans | 0.0552% | 1,995 |
| Credit loss provision to net charge-offs | 360.2649% | 1,555 |
| Earnings coverage of net charge-offs (x) | 47.3377% | 1,250 |
| Efficiency ratio | 49.8527% | 4,541 |
| Assets per employee ($millions) | 6.6142% | 1,839 |
| Cash dividends to net income (ytd only)* | 9.4733% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 4,670 |
| Loan loss allowance to noncurrent loans | 49.8616% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 842 |
| Noncurrent loans to loans | 1.2856% | 1,065 |
| Net loans and leases to total assets | 78.2022% | 586 |
| Net loans and leases to deposits | 95.3459% | 581 |
| Net loans and leases to core deposits | 107.0801% | 602 |
| Total domestic deposits to total assets | 82.0195% | 3,659 |
| Equity capital to assets | 13.4456% | 946 |
| Core capital (leverage) ratio | 13.6116% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,918,400 | 2,120 |
| Average earning assets | $317,243,800 | 2,090 |
| Average equity | $45,382,800 | 1,837 |
| Average total loans | $273,344,200 | 1,810 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5976% | 190 |
| Cost of funding earning assets | 1.2598% | 295 |
| Net interest margin | 4.3378% | 544 |
| Noninterest income to average assets | 0.2385% | 4,064 |
| Noninterest expense to average assets | 2.1777% | 3,734 |
| Loan and lease loss provision to assets | 0.2161% | 1,867 |
| Net operating income to assets | 1.5048% | 896 |
| Return on assets (ROA) | 1.5048% | 981 |
| Pretax return on assets | 1.9709% | 546 |
| Return on Equity (ROE) | 11.0396% | 1,665 |
| Retained earnings to average equity (ytd only) | 9.5490% | 856 |
| Net charge-offs to loans | 0.1159% | 1,199 |
| Credit loss provision to net charge-offs | 225.4237% | 2,011 |
| Earnings coverage of net charge-offs (x) | 22.8051% | 1,824 |
| Efficiency ratio | 49.8929% | 4,501 |
| Assets per employee ($millions) | 6.3744% | 1,931 |
| Cash dividends to net income (ytd only)* | 13.5026% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 4,722 |
| Loan loss allowance to noncurrent loans | 44.2627% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 846 |
| Noncurrent loans to loans | 1.3564% | 1,082 |
| Net loans and leases to total assets | 82.0061% | 431 |
| Net loans and leases to deposits | 100.4441% | 519 |
| Net loans and leases to core deposits | 113.4886% | 575 |
| Total domestic deposits to total assets | 81.6435% | 3,506 |
| Equity capital to assets | 13.5026% | 1,001 |
| Core capital (leverage) ratio | 13.7506% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,106,750 | 2,127 |
| Average earning assets | $312,103,000 | 2,093 |
| Average equity | $44,722,750 | 1,848 |
| Average total loans | $271,402,000 | 1,810 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8285% | 181 |
| Cost of funding earning assets | 1.3154% | 343 |
| Net interest margin | 4.5130% | 488 |
| Noninterest income to average assets | 0.2280% | 4,119 |
| Noninterest expense to average assets | 2.2049% | 3,768 |
| Loan and lease loss provision to assets | 0.3098% | 1,392 |
| Net operating income to assets | 1.5660% | 816 |
| Return on assets (ROA) | 1.5660% | 885 |
| Pretax return on assets | 2.0016% | 542 |
| Return on Equity (ROE) | 11.4505% | 1,492 |
| Retained earnings to average equity (ytd only) | 9.1849% | 960 |
| Net charge-offs to loans | 0.1542% | 955 |
| Credit loss provision to net charge-offs | 242.7184% | 1,769 |
| Earnings coverage of net charge-offs (x) | 18.1068% | 1,781 |
| Efficiency ratio | 48.8200% | 4,572 |
| Assets per employee ($millions) | 6.1810% | 2,040 |
| Cash dividends to net income (ytd only)* | 19.7863% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 4,734 |
| Loan loss allowance to noncurrent loans | 47.8640% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 798 |
| Noncurrent loans to loans | 1.2687% | 1,227 |
| Net loans and leases to total assets | 85.0857% | 182 |
| Net loans and leases to deposits | 105.0455% | 345 |
| Net loans and leases to core deposits | 119.2798% | 447 |
| Total domestic deposits to total assets | 80.9989% | 3,608 |
| Equity capital to assets | 13.8282% | 893 |
| Core capital (leverage) ratio | 13.9459% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,737,000 | 2,134 |
| Average earning assets | $306,667,667 | 2,094 |
| Average equity | $44,137,667 | 1,852 |
| Average total loans | $267,208,333 | 1,807 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4651% | 401 |
| Cost of funding earning assets | 1.3706% | 451 |
| Net interest margin | 4.0946% | 1,143 |
| Noninterest income to average assets | 0.2485% | 4,061 |
| Noninterest expense to average assets | 2.2503% | 3,884 |
| Loan and lease loss provision to assets | 0.0624% | 2,983 |
| Net operating income to assets | 1.4561% | 863 |
| Return on assets (ROA) | 1.4561% | 937 |
| Pretax return on assets | 1.8270% | 658 |
| Return on Equity (ROE) | 10.7079% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.1162% | 1,830 |
| Net charge-offs to loans | -0.0046% | 3,843 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3590% | 4,373 |
| Assets per employee ($millions) | 5.7488% | 1,896 |
| Cash dividends to net income (ytd only)* | 42.8816% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 4,817 |
| Loan loss allowance to noncurrent loans | 51.9545% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 1,001 |
| Noncurrent loans to loans | 1.0795% | 1,538 |
| Net loans and leases to total assets | 81.9839% | 436 |
| Net loans and leases to deposits | 101.3857% | 472 |
| Net loans and leases to core deposits | 115.9759% | 589 |
| Total domestic deposits to total assets | 80.8634% | 3,695 |
| Equity capital to assets | 13.8774% | 1,102 |
| Core capital (leverage) ratio | 13.4020% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,310,000 | 2,090 |
| Average earning assets | $304,402,000 | 2,051 |
| Average equity | $43,556,500 | 1,863 |
| Average total loans | $260,594,500 | 1,805 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9189% | 255 |
| Cost of funding earning assets | 1.3239% | 722 |
| Net interest margin | 4.5950% | 580 |
| Noninterest income to average assets | 0.2902% | 3,956 |
| Noninterest expense to average assets | 2.2778% | 4,001 |
| Loan and lease loss provision to assets | 0.0771% | 2,450 |
| Net operating income to assets | 1.7986% | 519 |
| Return on assets (ROA) | 1.7986% | 551 |
| Pretax return on assets | 2.2674% | 331 |
| Return on Equity (ROE) | 13.2213% | 1,106 |
| Retained earnings to average equity (ytd only) | 11.9899% | 243 |
| Net charge-offs to loans | 0.0938% | 1,790 |
| Credit loss provision to net charge-offs | 96.6387% | 2,562 |
| Earnings coverage of net charge-offs (x) | 29.3992% | 1,603 |
| Efficiency ratio | 49.2787% | 4,769 |
| Assets per employee ($millions) | 6.1214% | 1,543 |
| Cash dividends to net income (ytd only)* | 9.3145% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5413% | 4,837 |
| Loan loss allowance to noncurrent loans | 42.8832% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 895 |
| Noncurrent loans to loans | 1.2622% | 1,193 |
| Net loans and leases to total assets | 79.8607% | 809 |
| Net loans and leases to deposits | 99.2568% | 650 |
| Net loans and leases to core deposits | 112.5061% | 738 |
| Total domestic deposits to total assets | 80.4587% | 3,885 |
| Equity capital to assets | 13.3262% | 1,352 |
| Core capital (leverage) ratio | 13.3541% | 1,099 |
| Tier 1 risk-based capital ratio | 19.6172% | 1,388 |
| Total risk-based capital ratio | 20.2573% | 1,483 |
| Memoranda: | ||
| Average total assets | $298,448,000 | 2,167 |
| Average earning assets | $281,369,200 | 2,134 |
| Average equity | $40,601,000 | 1,906 |
| Average total loans | $253,664,400 | 1,805 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9811% | 247 |
| Cost of funding earning assets | 1.2807% | 837 |
| Net interest margin | 4.7004% | 500 |
| Noninterest income to average assets | 0.2936% | 3,980 |
| Noninterest expense to average assets | 2.3497% | 3,825 |
| Loan and lease loss provision to assets | 0.0868% | 2,183 |
| Net operating income to assets | 1.8158% | 592 |
| Return on assets (ROA) | 1.8158% | 624 |
| Pretax return on assets | 2.2807% | 391 |
| Return on Equity (ROE) | 13.2721% | 1,186 |
| Retained earnings to average equity (ytd only) | 11.6031% | 430 |
| Net charge-offs to loans | 0.1138% | 1,340 |
| Credit loss provision to net charge-offs | 88.3721% | 2,411 |
| Earnings coverage of net charge-offs (x) | 24.1116% | 1,808 |
| Efficiency ratio | 49.8112% | 4,756 |
| Assets per employee ($millions) | 5.9388% | 1,645 |
| Cash dividends to net income (ytd only)* | 12.5755% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5172% | 4,946 |
| Loan loss allowance to noncurrent loans | 47.5735% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 1,138 |
| Noncurrent loans to loans | 1.0872% | 1,461 |
| Net loans and leases to total assets | 83.4902% | 402 |
| Net loans and leases to deposits | 103.6193% | 429 |
| Net loans and leases to core deposits | 118.6201% | 572 |
| Total domestic deposits to total assets | 80.5740% | 3,852 |
| Equity capital to assets | 13.0501% | 1,597 |
| Core capital (leverage) ratio | 13.5032% | 1,130 |
| Tier 1 risk-based capital ratio | 20.4778% | 1,293 |
| Total risk-based capital ratio | 21.1595% | 1,348 |
| Memoranda: | ||
| Average total assets | $291,951,000 | 2,226 |
| Average earning assets | $274,749,500 | 2,192 |
| Average equity | $39,942,500 | 1,940 |
| Average total loans | $251,953,750 | 1,830 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 230 |
| Cost of funding earning assets | 1.1871% | 1,027 |
| Net interest margin | 4.8168% | 394 |
| Noninterest income to average assets | 0.2769% | 4,084 |
| Noninterest expense to average assets | 2.3402% | 3,891 |
| Loan and lease loss provision to assets | 0.1155% | 1,624 |
| Net operating income to assets | 1.8706% | 516 |
| Return on assets (ROA) | 1.8706% | 540 |
| Pretax return on assets | 2.3480% | 320 |
| Return on Equity (ROE) | 13.4380% | 1,112 |
| Retained earnings to average equity (ytd only) | 10.8939% | 560 |
| Net charge-offs to loans | 0.1511% | 1,031 |
| Credit loss provision to net charge-offs | 87.6344% | 2,155 |
| Earnings coverage of net charge-offs (x) | 18.6989% | 1,850 |
| Efficiency ratio | 48.7172% | 4,855 |
| Assets per employee ($millions) | 5.8890% | 1,620 |
| Cash dividends to net income (ytd only)* | 18.9322% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5376% | 4,968 |
| Loan loss allowance to noncurrent loans | 57.2190% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.4226% | 819 |
| Noncurrent loans to loans | 0.9396% | 1,733 |
| Net loans and leases to total assets | 87.6462% | 129 |
| Net loans and leases to deposits | 111.4222% | 190 |
| Net loans and leases to core deposits | 122.9056% | 461 |
| Total domestic deposits to total assets | 78.6614% | 4,283 |
| Equity capital to assets | 13.7557% | 1,217 |
| Core capital (leverage) ratio | 14.0033% | 960 |
| Tier 1 risk-based capital ratio | 19.2223% | 1,502 |
| Total risk-based capital ratio | 19.8847% | 1,596 |
| Memoranda: | ||
| Average total assets | $282,370,000 | 2,284 |
| Average earning assets | $265,361,670 | 2,269 |
| Average equity | $39,306,330 | 1,966 |
| Average total loans | $246,225,000 | 1,868 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9071% | 255 |
| Cost of funding earning assets | 1.0428% | 1,401 |
| Net interest margin | 4.8643% | 360 |
| Noninterest income to average assets | 0.2678% | 4,083 |
| Noninterest expense to average assets | 2.3783% | 3,825 |
| Loan and lease loss provision to assets | 0.0579% | 2,501 |
| Net operating income to assets | 1.9079% | 456 |
| Return on assets (ROA) | 1.9079% | 473 |
| Pretax return on assets | 2.4029% | 296 |
| Return on Equity (ROE) | 13.6201% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.4531% | 1,509 |
| Net charge-offs to loans | 0.0467% | 1,608 |
| Credit loss provision to net charge-offs | 142.8571% | 1,276 |
| Earnings coverage of net charge-offs (x) | 60.7143% | 908 |
| Efficiency ratio | 49.1475% | 4,883 |
| Assets per employee ($millions) | 5.9731% | 1,567 |
| Cash dividends to net income (ytd only)* | 37.9363% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5805% | 4,970 |
| Loan loss allowance to noncurrent loans | 34.4337% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6239% | 698 |
| Noncurrent loans to loans | 1.6860% | 922 |
| Net loans and leases to total assets | 87.1713% | 139 |
| Net loans and leases to deposits | 111.1978% | 189 |
| Net loans and leases to core deposits | 122.1386% | 476 |
| Total domestic deposits to total assets | 78.3930% | 4,452 |
| Equity capital to assets | 13.9443% | 1,061 |
| Core capital (leverage) ratio | 14.1652% | 906 |
| Tier 1 risk-based capital ratio | 20.1404% | 1,318 |
| Total risk-based capital ratio | 20.8754% | 1,390 |
| Memoranda: | ||
| Average total assets | $276,329,000 | 2,330 |
| Average earning assets | $259,688,000 | 2,319 |
| Average equity | $38,707,500 | 1,984 |
| Average total loans | $239,602,000 | 1,920 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 345 |
| Cost of funding earning assets | 0.9195% | 1,028 |
| Net interest margin | 4.6564% | 537 |
| Noninterest income to average assets | 0.3175% | 3,989 |
| Noninterest expense to average assets | 2.0354% | 4,686 |
| Loan and lease loss provision to assets | 0.1300% | 1,698 |
| Net operating income to assets | 2.0258% | 342 |
| Return on assets (ROA) | 2.0258% | 340 |
| Pretax return on assets | 2.5528% | 190 |
| Return on Equity (ROE) | 15.3210% | 765 |
| Retained earnings to average equity (ytd only) | 14.1975% | 155 |
| Net charge-offs to loans | 0.0784% | 2,008 |
| Credit loss provision to net charge-offs | 192.3077% | 1,489 |
| Earnings coverage of net charge-offs (x) | 39.6923% | 1,318 |
| Efficiency ratio | 43.1405% | 5,207 |
| Assets per employee ($millions) | 6.3237% | 1,303 |
| Cash dividends to net income (ytd only)* | 7.3327% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 4,954 |
| Loan loss allowance to noncurrent loans | 35.5834% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6244% | 688 |
| Noncurrent loans to loans | 1.7099% | 844 |
| Net loans and leases to total assets | 85.1846% | 300 |
| Net loans and leases to deposits | 108.9899% | 276 |
| Net loans and leases to core deposits | 116.5296% | 670 |
| Total domestic deposits to total assets | 78.1583% | 4,462 |
| Equity capital to assets | 14.0733% | 943 |
| Core capital (leverage) ratio | 13.7100% | 1,008 |
| Tier 1 risk-based capital ratio | 20.2317% | 1,265 |
| Total risk-based capital ratio | 20.9799% | 1,320 |
| Memoranda: | ||
| Average total assets | $269,278,000 | 2,341 |
| Average earning assets | $254,489,400 | 2,307 |
| Average equity | $35,604,800 | 2,047 |
| Average total loans | $232,229,800 | 1,933 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 354 |
| Cost of funding earning assets | 0.8679% | 1,041 |
| Net interest margin | 4.6401% | 543 |
| Noninterest income to average assets | 0.3316% | 3,937 |
| Noninterest expense to average assets | 2.0192% | 4,702 |
| Loan and lease loss provision to assets | 0.1737% | 1,064 |
| Net operating income to assets | 1.9864% | 394 |
| Return on assets (ROA) | 1.9864% | 388 |
| Pretax return on assets | 2.5304% | 218 |
| Return on Equity (ROE) | 15.2720% | 828 |
| Retained earnings to average equity (ytd only) | 13.7455% | 275 |
| Net charge-offs to loans | 0.1029% | 1,460 |
| Credit loss provision to net charge-offs | 195.5307% | 1,408 |
| Earnings coverage of net charge-offs (x) | 30.4359% | 1,593 |
| Efficiency ratio | 42.7491% | 5,255 |
| Assets per employee ($millions) | 6.6831% | 1,099 |
| Cash dividends to net income (ytd only)* | 9.9950% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 5,000 |
| Loan loss allowance to noncurrent loans | 38.7933% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4337% | 919 |
| Noncurrent loans to loans | 1.6228% | 976 |
| Net loans and leases to total assets | 78.0499% | 1,337 |
| Net loans and leases to deposits | 97.8950% | 955 |
| Net loans and leases to core deposits | 104.0310% | 1,449 |
| Total domestic deposits to total assets | 79.7282% | 4,167 |
| Equity capital to assets | 12.8028% | 1,417 |
| Core capital (leverage) ratio | 12.8676% | 1,340 |
| Tier 1 risk-based capital ratio | 19.2423% | 1,487 |
| Total risk-based capital ratio | 19.9836% | 1,571 |
| Memoranda: | ||
| Average total assets | $268,617,500 | 2,354 |
| Average earning assets | $254,242,500 | 2,320 |
| Average equity | $34,939,000 | 2,079 |
| Average total loans | $232,024,250 | 1,938 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 311 |
| Cost of funding earning assets | 0.8266% | 1,018 |
| Net interest margin | 4.6910% | 447 |
| Noninterest income to average assets | 0.3453% | 3,866 |
| Noninterest expense to average assets | 1.9774% | 4,838 |
| Loan and lease loss provision to assets | 0.1906% | 914 |
| Net operating income to assets | 2.0651% | 327 |
| Return on assets (ROA) | 2.0651% | 324 |
| Pretax return on assets | 2.6246% | 176 |
| Return on Equity (ROE) | 15.7861% | 714 |
| Retained earnings to average equity (ytd only) | 13.4552% | 322 |
| Net charge-offs to loans | 0.1290% | 1,146 |
| Credit loss provision to net charge-offs | 165.5629% | 1,479 |
| Earnings coverage of net charge-offs (x) | 24.4570% | 1,678 |
| Efficiency ratio | 41.2597% | 5,372 |
| Assets per employee ($millions) | 6.1822% | 1,340 |
| Cash dividends to net income (ytd only)* | 14.7656% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 5,165 |
| Loan loss allowance to noncurrent loans | 41.0350% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 954 |
| Noncurrent loans to loans | 1.3860% | 1,224 |
| Net loans and leases to total assets | 88.6486% | 116 |
| Net loans and leases to deposits | 113.8003% | 200 |
| Net loans and leases to core deposits | 121.3979% | 531 |
| Total domestic deposits to total assets | 77.8984% | 4,602 |
| Equity capital to assets | 13.3605% | 1,156 |
| Core capital (leverage) ratio | 13.6211% | 1,026 |
| Tier 1 risk-based capital ratio | 18.3952% | 1,699 |
| Total risk-based capital ratio | 19.0918% | 1,810 |
| Memoranda: | ||
| Average total assets | $262,365,000 | 2,399 |
| Average earning assets | $248,731,000 | 2,374 |
| Average equity | $34,321,330 | 2,117 |
| Average total loans | $234,126,670 | 1,923 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 309 |
| Cost of funding earning assets | 0.7527% | 1,177 |
| Net interest margin | 4.6887% | 413 |
| Noninterest income to average assets | 0.3653% | 3,700 |
| Noninterest expense to average assets | 2.0320% | 4,788 |
| Loan and lease loss provision to assets | 0.1151% | 1,641 |
| Net operating income to assets | 2.1256% | 281 |
| Return on assets (ROA) | 2.1256% | 280 |
| Pretax return on assets | 2.6735% | 163 |
| Return on Equity (ROE) | 16.4277% | 563 |
| Retained earnings to average equity (ytd only) | 11.6832% | 746 |
| Net charge-offs to loans | 0.1306% | 1,021 |
| Credit loss provision to net charge-offs | 98.6842% | 1,609 |
| Earnings coverage of net charge-offs (x) | 23.9079% | 1,371 |
| Efficiency ratio | 42.1522% | 5,395 |
| Assets per employee ($millions) | 6.6358% | 1,132 |
| Cash dividends to net income (ytd only)* | 28.8809% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5343% | 5,286 |
| Loan loss allowance to noncurrent loans | 40.4932% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 1,077 |
| Noncurrent loans to loans | 1.3195% | 1,350 |
| Net loans and leases to total assets | 87.5260% | 160 |
| Net loans and leases to deposits | 111.7454% | 215 |
| Net loans and leases to core deposits | 119.0857% | 609 |
| Total domestic deposits to total assets | 78.3263% | 4,680 |
| Equity capital to assets | 12.8828% | 1,303 |
| Core capital (leverage) ratio | 13.0726% | 1,158 |
| Tier 1 risk-based capital ratio | 17.9237% | 1,859 |
| Total risk-based capital ratio | 18.5795% | 1,973 |
| Memoranda: | ||
| Average total assets | $260,629,500 | 2,440 |
| Average earning assets | $247,657,500 | 2,401 |
| Average equity | $33,723,500 | 2,151 |
| Average total loans | $232,686,000 | 1,942 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 266 |
| Cost of funding earning assets | 0.6822% | 1,123 |
| Net interest margin | 4.8149% | 346 |
| Noninterest income to average assets | 0.3543% | 3,931 |
| Noninterest expense to average assets | 2.0280% | 4,916 |
| Loan and lease loss provision to assets | 0.1501% | 1,505 |
| Net operating income to assets | 1.7363% | 487 |
| Return on assets (ROA) | 1.7363% | 500 |
| Pretax return on assets | 2.7377% | 126 |
| Return on Equity (ROE) | 13.6667% | 815 |
| Retained earnings to average equity (ytd only) | 12.0661% | 175 |
| Net charge-offs to loans | 0.1697% | 1,452 |
| Credit loss provision to net charge-offs | 101.3736% | 2,529 |
| Earnings coverage of net charge-offs (x) | 19.5055% | 2,019 |
| Efficiency ratio | 41.2543% | 5,504 |
| Assets per employee ($millions) | 6.2397% | 1,356 |
| Cash dividends to net income (ytd only)* | 11.7123% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5388% | 5,342 |
| Loan loss allowance to noncurrent loans | 42.5119% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 1,040 |
| Noncurrent loans to loans | 1.2675% | 1,388 |
| Net loans and leases to total assets | 90.1207% | 75 |
| Net loans and leases to deposits | 113.6866% | 185 |
| Net loans and leases to core deposits | 121.4914% | 536 |
| Total domestic deposits to total assets | 79.2711% | 4,488 |
| Equity capital to assets | 12.9978% | 1,267 |
| Core capital (leverage) ratio | 13.1751% | 1,083 |
| Tier 1 risk-based capital ratio | 18.4455% | 1,667 |
| Total risk-based capital ratio | 19.1384% | 1,780 |
| Memoranda: | ||
| Average total assets | $245,862,600 | 2,520 |
| Average earning assets | $232,924,000 | 2,479 |
| Average equity | $31,236,400 | 2,277 |
| Average total loans | $214,515,000 | 2,043 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 264 |
| Cost of funding earning assets | 0.6691% | 1,128 |
| Net interest margin | 4.8011% | 331 |
| Noninterest income to average assets | 0.3698% | 3,879 |
| Noninterest expense to average assets | 2.0604% | 4,828 |
| Loan and lease loss provision to assets | 0.1397% | 1,524 |
| Net operating income to assets | 1.7860% | 480 |
| Return on assets (ROA) | 1.7860% | 495 |
| Pretax return on assets | 2.7179% | 152 |
| Return on Equity (ROE) | 14.1432% | 805 |
| Retained earnings to average equity (ytd only) | 11.9740% | 298 |
| Net charge-offs to loans | 0.1605% | 1,279 |
| Credit loss provision to net charge-offs | 100.7905% | 2,261 |
| Earnings coverage of net charge-offs (x) | 20.6169% | 1,945 |
| Efficiency ratio | 41.8960% | 5,537 |
| Assets per employee ($millions) | 6.1737% | 1,396 |
| Cash dividends to net income (ytd only)* | 15.3374% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 5,391 |
| Loan loss allowance to noncurrent loans | 41.0544% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.5360% | 977 |
| Noncurrent loans to loans | 1.3683% | 1,377 |
| Net loans and leases to total assets | 87.1355% | 194 |
| Net loans and leases to deposits | 107.1606% | 369 |
| Net loans and leases to core deposits | 114.5904% | 803 |
| Total domestic deposits to total assets | 81.3130% | 3,966 |
| Equity capital to assets | 12.7551% | 1,510 |
| Core capital (leverage) ratio | 13.0278% | 1,197 |
| Tier 1 risk-based capital ratio | 18.4504% | 1,744 |
| Total risk-based capital ratio | 19.1627% | 1,830 |
| Memoranda: | ||
| Average total assets | $243,371,500 | 2,556 |
| Average earning assets | $230,553,750 | 2,509 |
| Average equity | $30,732,500 | 2,324 |
| Average total loans | $210,193,250 | 2,081 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 274 |
| Cost of funding earning assets | 0.6679% | 1,050 |
| Net interest margin | 4.7427% | 361 |
| Noninterest income to average assets | 0.3698% | 3,909 |
| Noninterest expense to average assets | 2.0406% | 4,894 |
| Loan and lease loss provision to assets | 0.1041% | 1,945 |
| Net operating income to assets | 1.7933% | 458 |
| Return on assets (ROA) | 1.7933% | 472 |
| Pretax return on assets | 2.7145% | 154 |
| Return on Equity (ROE) | 14.2514% | 779 |
| Retained earnings to average equity (ytd only) | 10.9417% | 447 |
| Net charge-offs to loans | 0.1212% | 1,439 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 27.0720% | 1,553 |
| Efficiency ratio | 41.9952% | 5,576 |
| Assets per employee ($millions) | 5.7824% | 1,626 |
| Cash dividends to net income (ytd only)* | 23.2234% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 5,414 |
| Loan loss allowance to noncurrent loans | 36.1944% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7755% | 784 |
| Noncurrent loans to loans | 1.5994% | 1,159 |
| Net loans and leases to total assets | 87.9693% | 148 |
| Net loans and leases to deposits | 107.4425% | 339 |
| Net loans and leases to core deposits | 115.5563% | 738 |
| Total domestic deposits to total assets | 81.8757% | 3,921 |
| Equity capital to assets | 12.8365% | 1,455 |
| Core capital (leverage) ratio | 12.7226% | 1,287 |
| Tier 1 risk-based capital ratio | 18.3391% | 1,764 |
| Total risk-based capital ratio | 19.0711% | 1,869 |
| Memoranda: | ||
| Average total assets | $240,121,330 | 2,590 |
| Average earning assets | $227,294,330 | 2,557 |
| Average equity | $30,214,670 | 2,359 |
| Average total loans | $206,322,670 | 2,115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 365 |
| Cost of funding earning assets | 0.6499% | 1,079 |
| Net interest margin | 4.5809% | 451 |
| Noninterest income to average assets | 0.3971% | 3,681 |
| Noninterest expense to average assets | 2.0959% | 4,858 |
| Loan and lease loss provision to assets | 0.0838% | 2,142 |
| Net operating income to assets | 1.6988% | 554 |
| Return on assets (ROA) | 1.6988% | 564 |
| Pretax return on assets | 2.5516% | 200 |
| Return on Equity (ROE) | 13.6407% | 873 |
| Retained earnings to average equity (ytd only) | 6.9145% | 1,880 |
| Net charge-offs to loans | 0.1010% | 1,364 |
| Credit loss provision to net charge-offs | 98.0392% | 1,635 |
| Earnings coverage of net charge-offs (x) | 30.8431% | 1,203 |
| Efficiency ratio | 44.2989% | 5,584 |
| Assets per employee ($millions) | 5.8592% | 1,608 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 5,480 |
| Loan loss allowance to noncurrent loans | 44.3295% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 1,026 |
| Noncurrent loans to loans | 1.3494% | 1,497 |
| Net loans and leases to total assets | 85.9846% | 224 |
| Net loans and leases to deposits | 105.3453% | 344 |
| Net loans and leases to core deposits | 114.1802% | 665 |
| Total domestic deposits to total assets | 81.6217% | 4,271 |
| Equity capital to assets | 12.4897% | 1,540 |
| Core capital (leverage) ratio | 12.6825% | 1,254 |
| Tier 1 risk-based capital ratio | 17.6153% | 1,998 |
| Total risk-based capital ratio | 18.3445% | 2,106 |
| Memoranda: | ||
| Average total assets | $238,751,000 | 2,629 |
| Average earning assets | $225,893,500 | 2,595 |
| Average equity | $29,734,500 | 2,401 |
| Average total loans | $202,040,000 | 2,160 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 384 |
| Cost of funding earning assets | 0.6226% | 1,188 |
| Net interest margin | 4.6193% | 490 |
| Noninterest income to average assets | 0.4034% | 3,856 |
| Noninterest expense to average assets | 2.1203% | 4,966 |
| Loan and lease loss provision to assets | 0.0259% | 3,831 |
| Net operating income to assets | 1.7547% | 485 |
| Return on assets (ROA) | 1.7547% | 507 |
| Pretax return on assets | 2.6470% | 163 |
| Return on Equity (ROE) | 13.8881% | 796 |
| Retained earnings to average equity (ytd only) | 12.0882% | 213 |
| Net charge-offs to loans | -0.0165% | 5,074 |
| Credit loss provision to net charge-offs | -183.8710% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2357% | 5,689 |
| Assets per employee ($millions) | 6.2440% | 1,300 |
| Cash dividends to net income (ytd only)* | 12.9601% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6338% | 5,476 |
| Loan loss allowance to noncurrent loans | 32.3453% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.0074% | 681 |
| Noncurrent loans to loans | 1.9595% | 929 |
| Net loans and leases to total assets | 82.1977% | 579 |
| Net loans and leases to deposits | 102.5189% | 499 |
| Net loans and leases to core deposits | 111.5571% | 798 |
| Total domestic deposits to total assets | 80.1781% | 4,534 |
| Equity capital to assets | 12.4182% | 1,568 |
| Core capital (leverage) ratio | 12.8041% | 1,212 |
| Tier 1 risk-based capital ratio | 18.3048% | 1,774 |
| Total risk-based capital ratio | 19.0745% | 1,856 |
| Memoranda: | ||
| Average total assets | $219,870,000 | 2,762 |
| Average earning assets | $208,948,200 | 2,705 |
| Average equity | $27,779,200 | 2,523 |
| Average total loans | $187,371,000 | 2,238 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 349 |
| Cost of funding earning assets | 0.6090% | 1,263 |
| Net interest margin | 4.7141% | 424 |
| Noninterest income to average assets | 0.3860% | 4,018 |
| Noninterest expense to average assets | 2.2030% | 4,762 |
| Loan and lease loss provision to assets | 0.0353% | 3,535 |
| Net operating income to assets | 1.7390% | 553 |
| Return on assets (ROA) | 1.7390% | 586 |
| Pretax return on assets | 2.6299% | 182 |
| Return on Equity (ROE) | 13.6996% | 879 |
| Retained earnings to average equity (ytd only) | 11.2628% | 396 |
| Net charge-offs to loans | -0.0202% | 5,008 |
| Credit loss provision to net charge-offs | -203.5714% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2535% | 5,702 |
| Assets per employee ($millions) | 6.0416% | 1,400 |
| Cash dividends to net income (ytd only)* | 17.7872% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6465% | 5,537 |
| Loan loss allowance to noncurrent loans | 37.7548% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.8874% | 853 |
| Noncurrent loans to loans | 1.7124% | 1,221 |
| Net loans and leases to total assets | 85.3144% | 301 |
| Net loans and leases to deposits | 107.6381% | 320 |
| Net loans and leases to core deposits | 118.0172% | 572 |
| Total domestic deposits to total assets | 79.2604% | 4,662 |
| Equity capital to assets | 12.7642% | 1,612 |
| Core capital (leverage) ratio | 13.0627% | 1,167 |
| Tier 1 risk-based capital ratio | 18.5110% | 1,787 |
| Total risk-based capital ratio | 19.3179% | 1,865 |
| Memoranda: | ||
| Average total assets | $215,519,250 | 2,808 |
| Average earning assets | $204,912,750 | 2,752 |
| Average equity | $27,357,750 | 2,562 |
| Average total loans | $185,144,500 | 2,263 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 377 |
| Cost of funding earning assets | 0.5910% | 1,391 |
| Net interest margin | 4.6824% | 431 |
| Noninterest income to average assets | 0.3702% | 4,100 |
| Noninterest expense to average assets | 2.2016% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7421% | 532 |
| Return on assets (ROA) | 1.7421% | 565 |
| Pretax return on assets | 2.6207% | 183 |
| Return on Equity (ROE) | 13.7506% | 875 |
| Retained earnings to average equity (ytd only) | 10.0423% | 587 |
| Net charge-offs to loans | 0.0098% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 309.8889% | 216 |
| Efficiency ratio | 45.6547% | 5,766 |
| Assets per employee ($millions) | 5.6011% | 1,700 |
| Cash dividends to net income (ytd only)* | 26.9687% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 5,666 |
| Loan loss allowance to noncurrent loans | 82.5180% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 1,923 |
| Noncurrent loans to loans | 0.7410% | 2,887 |
| Net loans and leases to total assets | 87.5940% | 159 |
| Net loans and leases to deposits | 109.9140% | 257 |
| Net loans and leases to core deposits | 119.1636% | 538 |
| Total domestic deposits to total assets | 79.6932% | 4,629 |
| Equity capital to assets | 12.9614% | 1,527 |
| Core capital (leverage) ratio | 12.8819% | 1,196 |
| Tier 1 risk-based capital ratio | 18.3655% | 1,836 |
| Total risk-based capital ratio | 19.1312% | 1,926 |
| Memoranda: | ||
| Average total assets | $212,846,000 | 2,856 |
| Average earning assets | $202,375,330 | 2,787 |
| Average equity | $26,966,000 | 2,594 |
| Average total loans | $182,875,330 | 2,287 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2131% | 404 |
| Cost of funding earning assets | 0.5555% | 1,653 |
| Net interest margin | 4.6576% | 455 |
| Noninterest income to average assets | 0.3834% | 3,962 |
| Noninterest expense to average assets | 2.1236% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7872% | 480 |
| Return on assets (ROA) | 1.7872% | 515 |
| Pretax return on assets | 2.6874% | 177 |
| Return on Equity (ROE) | 14.2710% | 790 |
| Retained earnings to average equity (ytd only) | 14.2710% | 304 |
| Net charge-offs to loans | 0.0222% | 2,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 416 |
| Efficiency ratio | 44.1406% | 5,870 |
| Assets per employee ($millions) | 5.4676% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6377% | 5,690 |
| Loan loss allowance to noncurrent loans | 81.2766% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 2,227 |
| Noncurrent loans to loans | 0.7847% | 2,878 |
| Net loans and leases to total assets | 83.7327% | 398 |
| Net loans and leases to deposits | 104.9035% | 372 |
| Net loans and leases to core deposits | 112.8128% | 717 |
| Total domestic deposits to total assets | 79.8188% | 4,783 |
| Equity capital to assets | 12.7299% | 1,541 |
| Core capital (leverage) ratio | 12.6955% | 1,270 |
| Tier 1 risk-based capital ratio | 18.7253% | 1,797 |
| Total risk-based capital ratio | 19.5169% | 1,876 |
| Memoranda: | ||
| Average total assets | $212,849,000 | 2,858 |
| Average earning assets | $202,334,500 | 2,798 |
| Average equity | $26,655,500 | 2,619 |
| Average total loans | $180,522,000 | 2,301 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 580 |
| Cost of funding earning assets | 0.5281% | 1,939 |
| Net interest margin | 4.5086% | 640 |
| Noninterest income to average assets | 0.3794% | 4,186 |
| Noninterest expense to average assets | 2.1099% | 5,240 |
| Loan and lease loss provision to assets | 0.0340% | 3,673 |
| Net operating income to assets | 1.6710% | 608 |
| Return on assets (ROA) | 1.6723% | 623 |
| Pretax return on assets | 2.5140% | 199 |
| Return on Equity (ROE) | 14.7694% | 723 |
| Retained earnings to average equity (ytd only) | 14.7694% | 140 |
| Net charge-offs to loans | -0.0324% | 5,421 |
| Credit loss provision to net charge-offs | -130.3571% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3155% | 5,947 |
| Assets per employee ($millions) | 5.5911% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 5,742 |
| Loan loss allowance to noncurrent loans | 168.7591% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 2,714 |
| Noncurrent loans to loans | 0.3777% | 4,094 |
| Net loans and leases to total assets | 84.8122% | 324 |
| Net loans and leases to deposits | 105.3927% | 382 |
| Net loans and leases to core deposits | 114.1214% | 677 |
| Total domestic deposits to total assets | 80.4726% | 4,618 |
| Equity capital to assets | 12.3157% | 1,727 |
| Core capital (leverage) ratio | 11.8875% | 1,692 |
| Tier 1 risk-based capital ratio | 18.2393% | 1,899 |
| Total risk-based capital ratio | 19.0454% | 1,971 |
| Memoranda: | ||
| Average total assets | $214,796,800 | 2,794 |
| Average earning assets | $203,742,800 | 2,741 |
| Average equity | $24,320,600 | 2,755 |
| Average total loans | $172,908,800 | 2,318 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 704 |
| Cost of funding earning assets | 0.5228% | 2,017 |
| Net interest margin | 4.4158% | 767 |
| Noninterest income to average assets | 0.3770% | 4,239 |
| Noninterest expense to average assets | 2.0880% | 5,299 |
| Loan and lease loss provision to assets | 0.0452% | 3,308 |
| Net operating income to assets | 1.6227% | 732 |
| Return on assets (ROA) | 1.6244% | 757 |
| Pretax return on assets | 2.4347% | 264 |
| Return on Equity (ROE) | 14.6634% | 783 |
| Retained earnings to average equity (ytd only) | 14.6634% | 179 |
| Net charge-offs to loans | 0.0148% | 3,661 |
| Credit loss provision to net charge-offs | 384.2105% | 785 |
| Earnings coverage of net charge-offs (x) | 210.6542% | 346 |
| Efficiency ratio | 45.7356% | 5,973 |
| Assets per employee ($millions) | 5.9384% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 5,889 |
| Loan loss allowance to noncurrent loans | 180.4674% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 3,037 |
| Noncurrent loans to loans | 0.3339% | 4,414 |
| Net loans and leases to total assets | 83.4169% | 429 |
| Net loans and leases to deposits | 103.4030% | 478 |
| Net loans and leases to core deposits | 111.9859% | 764 |
| Total domestic deposits to total assets | 80.6716% | 4,557 |
| Equity capital to assets | 11.7904% | 2,275 |
| Core capital (leverage) ratio | 10.7193% | 2,800 |
| Tier 1 risk-based capital ratio | 17.4530% | 2,203 |
| Total risk-based capital ratio | 18.2021% | 2,342 |
| Memoranda: | ||
| Average total assets | $215,381,000 | 2,815 |
| Average earning assets | $204,290,000 | 2,750 |
| Average equity | $23,859,250 | 2,818 |
| Average total loans | $170,799,000 | 2,357 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 856 |
| Cost of funding earning assets | 0.5123% | 2,142 |
| Net interest margin | 4.3073% | 906 |
| Noninterest income to average assets | 0.3640% | 4,339 |
| Noninterest expense to average assets | 2.0869% | 5,368 |
| Loan and lease loss provision to assets | 0.0241% | 3,652 |
| Net operating income to assets | 1.5645% | 806 |
| Return on assets (ROA) | 1.5645% | 834 |
| Pretax return on assets | 2.3343% | 320 |
| Return on Equity (ROE) | 14.4295% | 829 |
| Retained earnings to average equity (ytd only) | 14.4295% | 215 |
| Net charge-offs to loans | 0.0036% | 3,774 |
| Credit loss provision to net charge-offs | 866.6667% | 402 |
| Earnings coverage of net charge-offs (x) | 848.6667% | 71 |
| Efficiency ratio | 46.9473% | 6,009 |
| Assets per employee ($millions) | 5.8629% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6178% | 5,945 |
| Loan loss allowance to noncurrent loans | 99.6205% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0840% | 2,344 |
| Noncurrent loans to loans | 0.6201% | 3,610 |
| Net loans and leases to total assets | 80.0334% | 798 |
| Net loans and leases to deposits | 97.6913% | 819 |
| Net loans and leases to core deposits | 105.3748% | 1,104 |
| Total domestic deposits to total assets | 81.9248% | 4,311 |
| Equity capital to assets | 11.4876% | 2,424 |
| Core capital (leverage) ratio | 10.4021% | 3,083 |
| Tier 1 risk-based capital ratio | 17.2390% | 2,310 |
| Total risk-based capital ratio | 17.9853% | 2,463 |
| Memoranda: | ||
| Average total assets | $215,913,330 | 2,825 |
| Average earning assets | $204,580,670 | 2,763 |
| Average equity | $23,410,330 | 2,876 |
| Average total loans | $167,927,670 | 2,396 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,116 |
| Cost of funding earning assets | 0.4966% | 2,319 |
| Net interest margin | 4.1582% | 1,152 |
| Noninterest income to average assets | 0.3554% | 4,355 |
| Noninterest expense to average assets | 1.9584% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5719% | 746 |
| Return on assets (ROA) | 1.5719% | 781 |
| Pretax return on assets | 2.3395% | 301 |
| Return on Equity (ROE) | 14.9266% | 721 |
| Retained earnings to average equity (ytd only) | 14.9266% | 292 |
| Net charge-offs to loans | -0.0455% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5669% | 6,125 |
| Assets per employee ($millions) | 5.8588% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6236% | 6,028 |
| Loan loss allowance to noncurrent loans | 124.8210% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,648 |
| Noncurrent loans to loans | 0.4996% | 4,079 |
| Net loans and leases to total assets | 76.8991% | 1,075 |
| Net loans and leases to deposits | 93.5491% | 1,033 |
| Net loans and leases to core deposits | 100.9520% | 1,258 |
| Total domestic deposits to total assets | 82.2018% | 4,456 |
| Equity capital to assets | 10.8167% | 3,177 |
| Core capital (leverage) ratio | 10.7331% | 2,712 |
| Tier 1 risk-based capital ratio | 16.3492% | 2,756 |
| Total risk-based capital ratio | 17.0793% | 2,938 |
| Memoranda: | ||
| Average total assets | $218,338,500 | 2,818 |
| Average earning assets | $207,014,500 | 2,759 |
| Average equity | $22,992,500 | 2,931 |
| Average total loans | $166,906,000 | 2,411 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 886 |
| Cost of funding earning assets | 0.5683% | 2,060 |
| Net interest margin | 4.3557% | 955 |
| Noninterest income to average assets | 0.3849% | 4,297 |
| Noninterest expense to average assets | 2.1116% | 5,544 |
| Loan and lease loss provision to assets | 0.0049% | 4,515 |
| Net operating income to assets | 1.5906% | 719 |
| Return on assets (ROA) | 1.5919% | 752 |
| Pretax return on assets | 2.3773% | 238 |
| Return on Equity (ROE) | 15.5720% | 688 |
| Retained earnings to average equity (ytd only) | 13.4218% | 203 |
| Net charge-offs to loans | -0.0006% | 5,327 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0096% | 6,224 |
| Assets per employee ($millions) | 5.9433% | 1,419 |
| Cash dividends to net income (ytd only)* | 13.8079% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 6,117 |
| Loan loss allowance to noncurrent loans | 115.1345% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 2,713 |
| Noncurrent loans to loans | 0.5371% | 4,050 |
| Net loans and leases to total assets | 75.0521% | 1,415 |
| Net loans and leases to deposits | 90.2811% | 1,492 |
| Net loans and leases to core deposits | 96.8437% | 1,649 |
| Total domestic deposits to total assets | 83.1316% | 4,029 |
| Equity capital to assets | 10.2487% | 3,791 |
| Core capital (leverage) ratio | 9.9506% | 3,641 |
| Tier 1 risk-based capital ratio | 15.7285% | 3,117 |
| Total risk-based capital ratio | 16.4444% | 3,330 |
| Memoranda: | ||
| Average total assets | $204,726,200 | 2,939 |
| Average earning assets | $193,036,400 | 2,876 |
| Average equity | $20,928,600 | 3,063 |
| Average total loans | $162,201,000 | 2,403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 800 |
| Cost of funding earning assets | 0.5833% | 1,990 |
| Net interest margin | 4.3943% | 892 |
| Noninterest income to average assets | 0.3915% | 4,313 |
| Noninterest expense to average assets | 2.1566% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5735% | 805 |
| Return on assets (ROA) | 1.5753% | 826 |
| Pretax return on assets | 2.3769% | 269 |
| Return on Equity (ROE) | 15.4203% | 755 |
| Retained earnings to average equity (ytd only) | 12.4974% | 375 |
| Net charge-offs to loans | -0.0074% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5981% | 6,217 |
| Assets per employee ($millions) | 6.2154% | 1,190 |
| Cash dividends to net income (ytd only)* | 18.9555% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 6,184 |
| Loan loss allowance to noncurrent loans | 144.9788% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 3,094 |
| Noncurrent loans to loans | 0.4375% | 4,587 |
| Net loans and leases to total assets | 71.7638% | 1,892 |
| Net loans and leases to deposits | 85.7887% | 1,930 |
| Net loans and leases to core deposits | 92.3710% | 2,002 |
| Total domestic deposits to total assets | 83.6518% | 3,898 |
| Equity capital to assets | 9.6744% | 4,579 |
| Core capital (leverage) ratio | 10.5372% | 3,003 |
| Tier 1 risk-based capital ratio | 15.2460% | 3,447 |
| Total risk-based capital ratio | 15.9668% | 3,689 |
| Memoranda: | ||
| Average total assets | $200,932,250 | 3,003 |
| Average earning assets | $189,270,750 | 2,943 |
| Average equity | $20,526,500 | 3,114 |
| Average total loans | $161,234,250 | 2,433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 540 |
| Cost of funding earning assets | 0.6105% | 1,805 |
| Net interest margin | 4.5504% | 638 |
| Noninterest income to average assets | 0.3766% | 4,434 |
| Noninterest expense to average assets | 2.2429% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5963% | 708 |
| Return on assets (ROA) | 1.5963% | 739 |
| Pretax return on assets | 2.4053% | 254 |
| Return on Equity (ROE) | 15.3129% | 749 |
| Retained earnings to average equity (ytd only) | 10.8470% | 559 |
| Net charge-offs to loans | -0.0211% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2528% | 6,280 |
| Assets per employee ($millions) | 5.2708% | 1,898 |
| Cash dividends to net income (ytd only)* | 29.1640% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 6,270 |
| Loan loss allowance to noncurrent loans | 186.7993% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 2,861 |
| Noncurrent loans to loans | 0.3385% | 4,999 |
| Net loans and leases to total assets | 85.5483% | 209 |
| Net loans and leases to deposits | 105.2943% | 324 |
| Net loans and leases to core deposits | 115.7098% | 487 |
| Total domestic deposits to total assets | 81.2468% | 4,900 |
| Equity capital to assets | 10.9724% | 2,904 |
| Core capital (leverage) ratio | 10.7204% | 2,699 |
| Tier 1 risk-based capital ratio | 14.9928% | 3,647 |
| Total risk-based capital ratio | 15.7357% | 3,881 |
| Memoranda: | ||
| Average total assets | $193,324,670 | 3,110 |
| Average earning assets | $181,480,000 | 3,061 |
| Average equity | $20,153,000 | 3,156 |
| Average total loans | $161,112,330 | 2,435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 718 |
| Cost of funding earning assets | 0.5936% | 2,025 |
| Net interest margin | 4.4054% | 797 |
| Noninterest income to average assets | 0.3690% | 4,435 |
| Noninterest expense to average assets | 2.1854% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5499% | 734 |
| Return on assets (ROA) | 1.5499% | 765 |
| Pretax return on assets | 2.3371% | 292 |
| Return on Equity (ROE) | 15.2577% | 743 |
| Retained earnings to average equity (ytd only) | 6.1757% | 2,444 |
| Net charge-offs to loans | -0.0450% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3228% | 6,341 |
| Assets per employee ($millions) | 5.3891% | 1,816 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 6,353 |
| Loan loss allowance to noncurrent loans | 160.3101% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2149% | 2,834 |
| Noncurrent loans to loans | 0.4010% | 4,931 |
| Net loans and leases to total assets | 82.3764% | 332 |
| Net loans and leases to deposits | 99.1820% | 482 |
| Net loans and leases to core deposits | 107.6514% | 689 |
| Total domestic deposits to total assets | 83.0558% | 4,591 |
| Equity capital to assets | 10.3084% | 3,457 |
| Core capital (leverage) ratio | 10.2506% | 3,220 |
| Tier 1 risk-based capital ratio | 14.6307% | 3,933 |
| Total risk-based capital ratio | 15.3848% | 4,185 |
| Memoranda: | ||
| Average total assets | $195,112,500 | 3,111 |
| Average earning assets | $183,957,000 | 3,050 |
| Average equity | $19,819,500 | 3,186 |
| Average total loans | $159,988,500 | 2,457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 793 |
| Cost of funding earning assets | 0.6850% | 1,919 |
| Net interest margin | 4.3905% | 929 |
| Noninterest income to average assets | 0.3998% | 4,442 |
| Noninterest expense to average assets | 2.2424% | 5,523 |
| Loan and lease loss provision to assets | 0.3423% | 931 |
| Net operating income to assets | 1.3246% | 1,196 |
| Return on assets (ROA) | 1.3773% | 1,112 |
| Pretax return on assets | 2.0424% | 436 |
| Return on Equity (ROE) | 14.1420% | 916 |
| Retained earnings to average equity (ytd only) | 11.7046% | 346 |
| Net charge-offs to loans | 0.4248% | 1,572 |
| Credit loss provision to net charge-offs | 99.0840% | 2,504 |
| Earnings coverage of net charge-offs (x) | 6.6748% | 3,006 |
| Efficiency ratio | 49.2984% | 6,430 |
| Assets per employee ($millions) | 5.6062% | 1,558 |
| Cash dividends to net income (ytd only)* | 17.2348% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 6,432 |
| Loan loss allowance to noncurrent loans | 192.4242% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 2,756 |
| Noncurrent loans to loans | 0.3318% | 5,190 |
| Net loans and leases to total assets | 80.5793% | 536 |
| Net loans and leases to deposits | 97.7303% | 605 |
| Net loans and leases to core deposits | 106.2495% | 780 |
| Total domestic deposits to total assets | 82.4506% | 4,726 |
| Equity capital to assets | 10.0093% | 3,761 |
| Core capital (leverage) ratio | 9.6244% | 4,083 |
| Tier 1 risk-based capital ratio | 14.7434% | 3,816 |
| Total risk-based capital ratio | 15.5017% | 4,058 |
| Memoranda: | ||
| Average total assets | $189,576,400 | 3,166 |
| Average earning assets | $179,134,800 | 3,082 |
| Average equity | $18,462,800 | 3,346 |
| Average total loans | $154,173,800 | 2,502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 788 |
| Cost of funding earning assets | 0.6956% | 1,984 |
| Net interest margin | 4.3925% | 908 |
| Noninterest income to average assets | 0.3732% | 4,725 |
| Noninterest expense to average assets | 2.2343% | 5,524 |
| Loan and lease loss provision to assets | 0.4321% | 672 |
| Net operating income to assets | 1.2308% | 1,531 |
| Return on assets (ROA) | 1.3005% | 1,409 |
| Pretax return on assets | 1.9661% | 622 |
| Return on Equity (ROE) | 13.4515% | 1,128 |
| Retained earnings to average equity (ytd only) | 10.1492% | 758 |
| Net charge-offs to loans | 0.5309% | 1,211 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.3054% | 3,226 |
| Efficiency ratio | 49.3574% | 6,438 |
| Assets per employee ($millions) | 5.8514% | 1,339 |
| Cash dividends to net income (ytd only)* | 24.5501% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 6,480 |
| Loan loss allowance to noncurrent loans | 62.4313% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 3,161 |
| Noncurrent loans to loans | 1.0639% | 3,673 |
| Net loans and leases to total assets | 74.6322% | 1,184 |
| Net loans and leases to deposits | 89.9253% | 1,175 |
| Net loans and leases to core deposits | 97.0198% | 1,318 |
| Total domestic deposits to total assets | 82.9936% | 4,575 |
| Equity capital to assets | 9.2164% | 4,911 |
| Core capital (leverage) ratio | 10.0137% | 3,661 |
| Tier 1 risk-based capital ratio | 14.2200% | 4,273 |
| Total risk-based capital ratio | 14.9858% | 4,564 |
| Memoranda: | ||
| Average total assets | $187,916,000 | 3,214 |
| Average earning assets | $177,692,750 | 3,134 |
| Average equity | $18,168,500 | 3,429 |
| Average total loans | $152,935,500 | 2,529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 663 |
| Cost of funding earning assets | 0.7172% | 1,936 |
| Net interest margin | 4.4588% | 767 |
| Noninterest income to average assets | 0.3599% | 4,816 |
| Noninterest expense to average assets | 2.2931% | 5,389 |
| Loan and lease loss provision to assets | 0.4806% | 584 |
| Net operating income to assets | 1.1958% | 1,606 |
| Return on assets (ROA) | 1.2957% | 1,421 |
| Pretax return on assets | 1.9530% | 663 |
| Return on Equity (ROE) | 13.1712% | 1,204 |
| Retained earnings to average equity (ytd only) | 8.1526% | 1,418 |
| Net charge-offs to loans | 0.5766% | 1,146 |
| Credit loss provision to net charge-offs | 99.5455% | 2,257 |
| Earnings coverage of net charge-offs (x) | 4.7273% | 3,052 |
| Efficiency ratio | 50.1199% | 6,422 |
| Assets per employee ($millions) | 5.2601% | 1,838 |
| Cash dividends to net income (ytd only)* | 38.1033% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 6,556 |
| Loan loss allowance to noncurrent loans | 40.5244% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.0364% | 2,119 |
| Noncurrent loans to loans | 1.6170% | 2,886 |
| Net loans and leases to total assets | 83.9970% | 237 |
| Net loans and leases to deposits | 103.9261% | 266 |
| Net loans and leases to core deposits | 110.5605% | 541 |
| Total domestic deposits to total assets | 80.8238% | 5,391 |
| Equity capital to assets | 9.8890% | 4,070 |
| Core capital (leverage) ratio | 9.6566% | 4,000 |
| Tier 1 risk-based capital ratio | 13.6463% | 4,673 |
| Total risk-based capital ratio | 14.4059% | 4,967 |
| Memoranda: | ||
| Average total assets | $182,288,330 | 3,288 |
| Average earning assets | $172,331,670 | 3,223 |
| Average equity | $17,933,000 | 3,497 |
| Average total loans | $152,624,670 | 2,532 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 741 |
| Cost of funding earning assets | 0.6874% | 2,325 |
| Net interest margin | 4.4111% | 790 |
| Noninterest income to average assets | 0.3528% | 4,855 |
| Noninterest expense to average assets | 2.2318% | 5,604 |
| Loan and lease loss provision to assets | 0.4278% | 701 |
| Net operating income to assets | 1.2482% | 1,403 |
| Return on assets (ROA) | 1.2482% | 1,503 |
| Pretax return on assets | 1.8679% | 778 |
| Return on Equity (ROE) | 12.7216% | 1,237 |
| Retained earnings to average equity (ytd only) | 2.6073% | 4,719 |
| Net charge-offs to loans | 0.5215% | 1,151 |
| Credit loss provision to net charge-offs | 98.4772% | 1,896 |
| Earnings coverage of net charge-offs (x) | 5.2843% | 2,383 |
| Efficiency ratio | 49.2937% | 6,548 |
| Assets per employee ($millions) | 5.1818% | 1,998 |
| Cash dividends to net income (ytd only)* | 79.5053% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 6,635 |
| Loan loss allowance to noncurrent loans | 24.0614% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 3.0072% | 1,494 |
| Noncurrent loans to loans | 2.7586% | 1,843 |
| Net loans and leases to total assets | 84.0850% | 188 |
| Net loans and leases to deposits | 103.3954% | 244 |
| Net loans and leases to core deposits | 116.7643% | 333 |
| Total domestic deposits to total assets | 81.3237% | 5,409 |
| Equity capital to assets | 9.8410% | 4,367 |
| Core capital (leverage) ratio | 9.6167% | 3,891 |
| Tier 1 risk-based capital ratio | 13.4577% | 4,905 |
| Total risk-based capital ratio | 14.2321% | 5,182 |
| Memoranda: | ||
| Average total assets | $181,381,000 | 3,329 |
| Average earning assets | $171,657,500 | 3,262 |
| Average equity | $17,796,500 | 3,553 |
| Average total loans | $151,106,500 | 2,571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 1,251 |
| Cost of funding earning assets | 0.8730% | 2,109 |
| Net interest margin | 4.2539% | 1,512 |
| Noninterest income to average assets | 0.3994% | 4,613 |
| Noninterest expense to average assets | 2.1812% | 5,959 |
| Loan and lease loss provision to assets | 0.5523% | 1,036 |
| Net operating income to assets | 1.1446% | 1,789 |
| Return on assets (ROA) | 1.1446% | 1,958 |
| Pretax return on assets | 1.6684% | 1,218 |
| Return on Equity (ROE) | 11.7339% | 1,583 |
| Retained earnings to average equity (ytd only) | 9.0522% | 804 |
| Net charge-offs to loans | 0.6003% | 1,934 |
| Credit loss provision to net charge-offs | 112.8266% | 2,580 |
| Earnings coverage of net charge-offs (x) | 4.5368% | 3,335 |
| Efficiency ratio | 49.5510% | 6,619 |
| Assets per employee ($millions) | 5.0388% | 2,183 |
| Cash dividends to net income (ytd only)* | 22.8542% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6873% | 6,653 |
| Loan loss allowance to noncurrent loans | 19.6425% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 3.3920% | 1,353 |
| Noncurrent loans to loans | 3.4991% | 1,427 |
| Net loans and leases to total assets | 81.4077% | 367 |
| Net loans and leases to deposits | 100.7635% | 383 |
| Net loans and leases to core deposits | 113.1638% | 435 |
| Total domestic deposits to total assets | 80.7909% | 5,458 |
| Equity capital to assets | 9.7824% | 4,477 |
| Core capital (leverage) ratio | 9.5440% | 4,047 |
| Tier 1 risk-based capital ratio | 13.8552% | 4,489 |
| Total risk-based capital ratio | 14.6600% | 4,767 |
| Memoranda: | ||
| Average total assets | $172,019,000 | 3,422 |
| Average earning assets | $161,850,400 | 3,353 |
| Average equity | $16,780,400 | 3,660 |
| Average total loans | $140,251,600 | 2,713 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 1,365 |
| Cost of funding earning assets | 0.8927% | 2,221 |
| Net interest margin | 4.2329% | 1,634 |
| Noninterest income to average assets | 0.4015% | 4,630 |
| Noninterest expense to average assets | 2.1727% | 6,008 |
| Loan and lease loss provision to assets | 0.6051% | 908 |
| Net operating income to assets | 1.0891% | 2,134 |
| Return on assets (ROA) | 1.0891% | 2,330 |
| Pretax return on assets | 1.6030% | 1,568 |
| Return on Equity (ROE) | 11.1731% | 1,900 |
| Retained earnings to average equity (ytd only) | 7.5455% | 1,827 |
| Net charge-offs to loans | 0.6418% | 1,715 |
| Credit loss provision to net charge-offs | 115.7895% | 2,512 |
| Earnings coverage of net charge-offs (x) | 4.2256% | 3,369 |
| Efficiency ratio | 49.5964% | 6,616 |
| Assets per employee ($millions) | 5.1523% | 1,993 |
| Cash dividends to net income (ytd only)* | 32.4679% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 6,718 |
| Loan loss allowance to noncurrent loans | 22.6193% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 3.0250% | 1,726 |
| Noncurrent loans to loans | 3.1975% | 1,727 |
| Net loans and leases to total assets | 77.5647% | 780 |
| Net loans and leases to deposits | 95.9612% | 662 |
| Net loans and leases to core deposits | 106.8760% | 695 |
| Total domestic deposits to total assets | 80.8292% | 5,417 |
| Equity capital to assets | 9.5247% | 5,172 |
| Core capital (leverage) ratio | 9.7964% | 3,823 |
| Tier 1 risk-based capital ratio | 13.8227% | 4,679 |
| Total risk-based capital ratio | 14.6507% | 4,904 |
| Memoranda: | ||
| Average total assets | $169,674,250 | 3,493 |
| Average earning assets | $159,507,750 | 3,419 |
| Average equity | $16,539,250 | 3,729 |
| Average total loans | $138,141,000 | 2,773 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 1,374 |
| Cost of funding earning assets | 0.9400% | 2,119 |
| Net interest margin | 4.2108% | 1,720 |
| Noninterest income to average assets | 0.4009% | 4,645 |
| Noninterest expense to average assets | 2.2345% | 5,914 |
| Loan and lease loss provision to assets | 0.6020% | 987 |
| Net operating income to assets | 1.0354% | 2,320 |
| Return on assets (ROA) | 1.0354% | 2,540 |
| Pretax return on assets | 1.5230% | 1,795 |
| Return on Equity (ROE) | 10.5347% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.0224% | 3,270 |
| Net charge-offs to loans | 0.1268% | 3,918 |
| Credit loss provision to net charge-offs | 574.7126% | 541 |
| Earnings coverage of net charge-offs (x) | 20.2874% | 1,394 |
| Efficiency ratio | 51.2566% | 6,557 |
| Assets per employee ($millions) | 4.6424% | 2,651 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,327 |
| Loan loss allowance to noncurrent loans | 30.5690% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 3.1797% | 1,712 |
| Noncurrent loans to loans | 3.1079% | 1,888 |
| Net loans and leases to total assets | 82.7829% | 281 |
| Net loans and leases to deposits | 101.5607% | 360 |
| Net loans and leases to core deposits | 113.5057% | 467 |
| Total domestic deposits to total assets | 81.5108% | 5,293 |
| Equity capital to assets | 9.9429% | 4,429 |
| Core capital (leverage) ratio | 9.8945% | 3,583 |
| Tier 1 risk-based capital ratio | 13.4582% | 4,864 |
| Total risk-based capital ratio | 14.5416% | 4,940 |
| Memoranda: | ||
| Average total assets | $166,121,670 | 3,565 |
| Average earning assets | $156,170,330 | 3,493 |
| Average equity | $16,327,000 | 3,754 |
| Average total loans | $137,223,670 | 2,793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 1,290 |
| Cost of funding earning assets | 0.9836% | 2,081 |
| Net interest margin | 4.2289% | 1,676 |
| Noninterest income to average assets | 0.4106% | 4,590 |
| Noninterest expense to average assets | 2.1447% | 6,164 |
| Loan and lease loss provision to assets | 0.6521% | 835 |
| Net operating income to assets | 1.0989% | 2,088 |
| Return on assets (ROA) | 1.0989% | 2,281 |
| Pretax return on assets | 1.6013% | 1,574 |
| Return on Equity (ROE) | 11.2471% | 1,923 |
| Retained earnings to average equity (ytd only) | 0.1236% | 5,938 |
| Net charge-offs to loans | 0.3235% | 2,357 |
| Credit loss provision to net charge-offs | 245.4545% | 1,164 |
| Earnings coverage of net charge-offs (x) | 8.4818% | 1,954 |
| Efficiency ratio | 48.7644% | 6,750 |
| Assets per employee ($millions) | 4.5954% | 2,817 |
| Cash dividends to net income (ytd only)* | 98.9011% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 6,781 |
| Loan loss allowance to noncurrent loans | 21.6010% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 3.2067% | 1,807 |
| Noncurrent loans to loans | 3.5844% | 1,735 |
| Net loans and leases to total assets | 83.1971% | 207 |
| Net loans and leases to deposits | 101.6191% | 320 |
| Net loans and leases to core deposits | 113.6574% | 439 |
| Total domestic deposits to total assets | 81.8715% | 5,338 |
| Equity capital to assets | 9.7796% | 4,413 |
| Core capital (leverage) ratio | 9.6514% | 3,845 |
| Tier 1 risk-based capital ratio | 13.1609% | 5,087 |
| Total risk-based capital ratio | 14.0399% | 5,353 |
| Memoranda: | ||
| Average total assets | $165,620,000 | 3,586 |
| Average earning assets | $156,165,000 | 3,511 |
| Average equity | $16,182,000 | 3,786 |
| Average total loans | $135,996,500 | 2,837 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 2,701 |
| Cost of funding earning assets | 1.2694% | 1,630 |
| Net interest margin | 3.7719% | 3,969 |
| Noninterest income to average assets | 0.4619% | 4,118 |
| Noninterest expense to average assets | 2.2489% | 6,165 |
| Loan and lease loss provision to assets | 0.2800% | 3,430 |
| Net operating income to assets | 1.0133% | 2,157 |
| Return on assets (ROA) | 1.0133% | 2,299 |
| Pretax return on assets | 1.4880% | 1,512 |
| Return on Equity (ROE) | 10.7751% | 1,774 |
| Retained earnings to average equity (ytd only) | 8.1693% | 1,025 |
| Net charge-offs to loans | 0.3597% | 3,607 |
| Credit loss provision to net charge-offs | 100.2193% | 3,491 |
| Earnings coverage of net charge-offs (x) | 6.3289% | 2,542 |
| Efficiency ratio | 55.9860% | 6,318 |
| Assets per employee ($millions) | 4.7373% | 2,539 |
| Cash dividends to net income (ytd only)* | 24.1838% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 6,925 |
| Loan loss allowance to noncurrent loans | 30.0856% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.0627% | 2,888 |
| Noncurrent loans to loans | 2.2794% | 2,872 |
| Net loans and leases to total assets | 79.8334% | 515 |
| Net loans and leases to deposits | 98.3651% | 535 |
| Net loans and leases to core deposits | 109.9704% | 622 |
| Total domestic deposits to total assets | 81.1603% | 5,404 |
| Equity capital to assets | 9.7615% | 4,493 |
| Core capital (leverage) ratio | 9.6466% | 3,805 |
| Tier 1 risk-based capital ratio | 13.4744% | 4,710 |
| Total risk-based capital ratio | 14.2406% | 5,054 |
| Memoranda: | ||
| Average total assets | $163,236,400 | 3,585 |
| Average earning assets | $153,847,200 | 3,515 |
| Average equity | $15,350,200 | 3,842 |
| Average total loans | $126,760,000 | 3,046 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 2,867 |
| Cost of funding earning assets | 1.3334% | 1,536 |
| Net interest margin | 3.7115% | 4,286 |
| Noninterest income to average assets | 0.4699% | 4,131 |
| Noninterest expense to average assets | 2.2354% | 6,203 |
| Loan and lease loss provision to assets | 0.2468% | 3,537 |
| Net operating income to assets | 1.0004% | 2,321 |
| Return on assets (ROA) | 1.0004% | 2,470 |
| Pretax return on assets | 1.4867% | 1,687 |
| Return on Equity (ROE) | 10.7429% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.2206% | 1,855 |
| Net charge-offs to loans | -0.0149% | 6,844 |
| Credit loss provision to net charge-offs | -2,150.0000% | 6,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3223% | 6,239 |
| Assets per employee ($millions) | 4.6612% | 2,676 |
| Cash dividends to net income (ytd only)* | 32.7868% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,507 |
| Loan loss allowance to noncurrent loans | 34.2921% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 2,898 |
| Noncurrent loans to loans | 2.7179% | 2,576 |
| Net loans and leases to total assets | 80.0081% | 514 |
| Net loans and leases to deposits | 98.7973% | 525 |
| Net loans and leases to core deposits | 109.9509% | 676 |
| Total domestic deposits to total assets | 80.9821% | 5,436 |
| Equity capital to assets | 9.6518% | 4,854 |
| Core capital (leverage) ratio | 9.6292% | 3,948 |
| Tier 1 risk-based capital ratio | 13.2335% | 4,923 |
| Total risk-based capital ratio | 14.2725% | 5,052 |
| Memoranda: | ||
| Average total assets | $162,594,500 | 3,629 |
| Average earning assets | $153,286,250 | 3,545 |
| Average equity | $15,141,500 | 3,891 |
| Average total loans | $125,129,750 | 3,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 3,479 |
| Cost of funding earning assets | 1.3863% | 1,476 |
| Net interest margin | 3.5462% | 4,939 |
| Noninterest income to average assets | 0.4618% | 4,175 |
| Noninterest expense to average assets | 2.2117% | 6,355 |
| Loan and lease loss provision to assets | 0.1010% | 5,051 |
| Net operating income to assets | 1.0159% | 2,161 |
| Return on assets (ROA) | 1.0159% | 2,257 |
| Pretax return on assets | 1.4913% | 1,561 |
| Return on Equity (ROE) | 11.0442% | 1,781 |
| Retained earnings to average equity (ytd only) | 5.6894% | 2,598 |
| Net charge-offs to loans | -0.0374% | 6,980 |
| Credit loss provision to net charge-offs | -356.5217% | 6,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1418% | 6,142 |
| Assets per employee ($millions) | 4.7419% | 2,484 |
| Cash dividends to net income (ytd only)* | 48.4848% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 6,841 |
| Loan loss allowance to noncurrent loans | 59.3932% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 4,761 |
| Noncurrent loans to loans | 1.3706% | 4,361 |
| Net loans and leases to total assets | 76.9341% | 925 |
| Net loans and leases to deposits | 94.9384% | 809 |
| Net loans and leases to core deposits | 105.0467% | 979 |
| Total domestic deposits to total assets | 81.0358% | 5,515 |
| Equity capital to assets | 9.4880% | 4,830 |
| Core capital (leverage) ratio | 9.2807% | 4,273 |
| Tier 1 risk-based capital ratio | 13.2800% | 4,706 |
| Total risk-based capital ratio | 14.1667% | 4,962 |
| Memoranda: | ||
| Average total assets | $162,412,330 | 3,645 |
| Average earning assets | $153,067,330 | 3,575 |
| Average equity | $14,940,000 | 3,917 |
| Average total loans | $122,921,670 | 3,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 3,881 |
| Cost of funding earning assets | 1.3393% | 1,956 |
| Net interest margin | 3.4989% | 5,015 |
| Noninterest income to average assets | 0.4392% | 4,374 |
| Noninterest expense to average assets | 2.1987% | 6,426 |
| Loan and lease loss provision to assets | 0.0515% | 5,355 |
| Net operating income to assets | 1.0331% | 2,056 |
| Return on assets (ROA) | 1.0331% | 2,108 |
| Pretax return on assets | 1.4969% | 1,458 |
| Return on Equity (ROE) | 11.4081% | 1,620 |
| Retained earnings to average equity (ytd only) | 0.5690% | 5,603 |
| Net charge-offs to loans | -0.0919% | 7,060 |
| Credit loss provision to net charge-offs | -75.0000% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6771% | 6,175 |
| Assets per employee ($millions) | 4.5898% | 2,748 |
| Cash dividends to net income (ytd only)* | 95.0119% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 6,910 |
| Loan loss allowance to noncurrent loans | 139.2185% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 6,160 |
| Noncurrent loans to loans | 0.5778% | 5,870 |
| Net loans and leases to total assets | 71.7998% | 1,764 |
| Net loans and leases to deposits | 89.7378% | 1,267 |
| Net loans and leases to core deposits | 97.8288% | 1,539 |
| Total domestic deposits to total assets | 80.0107% | 5,948 |
| Equity capital to assets | 8.9504% | 5,283 |
| Core capital (leverage) ratio | 8.9788% | 4,647 |
| Tier 1 risk-based capital ratio | 13.3951% | 4,506 |
| Total risk-based capital ratio | 14.2634% | 4,801 |
| Memoranda: | ||
| Average total assets | $163,006,000 | 3,654 |
| Average earning assets | $154,105,000 | 3,581 |
| Average equity | $14,761,500 | 3,949 |
| Average total loans | $121,855,000 | 3,222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 2,469 |
| Cost of funding earning assets | 1.5435% | 2,386 |
| Net interest margin | 3.9088% | 3,448 |
| Noninterest income to average assets | 0.5232% | 4,002 |
| Noninterest expense to average assets | 2.5039% | 5,780 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1463% | 1,558 |
| Return on assets (ROA) | 1.1463% | 1,641 |
| Pretax return on assets | 1.6695% | 1,000 |
| Return on Equity (ROE) | 11.6515% | 1,406 |
| Retained earnings to average equity (ytd only) | 8.8149% | 748 |
| Net charge-offs to loans | -0.0135% | 7,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9967% | 6,047 |
| Assets per employee ($millions) | 4.5937% | 2,718 |
| Cash dividends to net income (ytd only)* | 24.3457% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 7,076 |
| Loan loss allowance to noncurrent loans | 103.3975% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 5,934 |
| Noncurrent loans to loans | 0.7115% | 5,627 |
| Net loans and leases to total assets | 76.6257% | 1,152 |
| Net loans and leases to deposits | 97.9846% | 720 |
| Net loans and leases to core deposits | 107.1967% | 1,110 |
| Total domestic deposits to total assets | 78.2018% | 6,273 |
| Equity capital to assets | 9.1641% | 4,891 |
| Core capital (leverage) ratio | 9.4660% | 3,746 |
| Tier 1 risk-based capital ratio | 12.7551% | 4,815 |
| Total risk-based capital ratio | 13.5409% | 5,180 |
| Memoranda: | ||
| Average total assets | $143,336,800 | 3,998 |
| Average earning assets | $133,850,200 | 3,931 |
| Average equity | $14,101,200 | 4,122 |
| Average total loans | $118,542,400 | 3,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 2,084 |
| Cost of funding earning assets | 1.5524% | 2,656 |
| Net interest margin | 4.0419% | 2,896 |
| Noninterest income to average assets | 0.5363% | 3,900 |
| Noninterest expense to average assets | 2.5615% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1944% | 1,606 |
| Return on assets (ROA) | 1.1944% | 1,690 |
| Pretax return on assets | 1.7365% | 1,036 |
| Return on Equity (ROE) | 11.9053% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.0803% | 1,397 |
| Net charge-offs to loans | -0.0228% | 7,370 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5982% | 6,013 |
| Assets per employee ($millions) | 4.5682% | 2,797 |
| Cash dividends to net income (ytd only)* | 32.1285% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 7,117 |
| Loan loss allowance to noncurrent loans | 157.5601% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,447 |
| Noncurrent loans to loans | 0.4742% | 6,245 |
| Net loans and leases to total assets | 80.8034% | 638 |
| Net loans and leases to deposits | 105.2008% | 393 |
| Net loans and leases to core deposits | 119.1047% | 641 |
| Total domestic deposits to total assets | 76.8088% | 6,526 |
| Equity capital to assets | 9.6033% | 4,686 |
| Core capital (leverage) ratio | 9.8936% | 3,365 |
| Tier 1 risk-based capital ratio | 12.5154% | 4,969 |
| Total risk-based capital ratio | 13.3112% | 5,379 |
| Memoranda: | ||
| Average total assets | $138,976,250 | 4,124 |
| Average earning assets | $129,342,750 | 4,082 |
| Average equity | $13,943,000 | 4,216 |
| Average total loans | $117,150,250 | 3,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 1,982 |
| Cost of funding earning assets | 1.5216% | 3,123 |
| Net interest margin | 4.1184% | 2,474 |
| Noninterest income to average assets | 0.5035% | 4,090 |
| Noninterest expense to average assets | 2.6183% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1877% | 1,589 |
| Return on assets (ROA) | 1.1877% | 1,659 |
| Pretax return on assets | 1.7253% | 1,014 |
| Return on Equity (ROE) | 11.6527% | 1,543 |
| Retained earnings to average equity (ytd only) | 5.8409% | 2,425 |
| Net charge-offs to loans | -0.0330% | 7,369 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2796% | 5,999 |
| Assets per employee ($millions) | 4.4413% | 2,980 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 7,148 |
| Loan loss allowance to noncurrent loans | 32.8551% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 3,539 |
| Noncurrent loans to loans | 2.2825% | 3,392 |
| Net loans and leases to total assets | 85.3012% | 270 |
| Net loans and leases to deposits | 116.7132% | 167 |
| Net loans and leases to core deposits | 129.8355% | 424 |
| Total domestic deposits to total assets | 73.0861% | 7,090 |
| Equity capital to assets | 9.8529% | 4,198 |
| Core capital (leverage) ratio | 10.1027% | 3,060 |
| Tier 1 risk-based capital ratio | 12.2165% | 5,110 |
| Total risk-based capital ratio | 13.0170% | 5,491 |
| Memoranda: | ||
| Average total assets | $135,051,330 | 4,240 |
| Average earning assets | $125,922,330 | 4,184 |
| Average equity | $13,765,000 | 4,256 |
| Average total loans | $115,290,670 | 3,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 1,642 |
| Cost of funding earning assets | 1.5124% | 3,476 |
| Net interest margin | 4.2268% | 1,943 |
| Noninterest income to average assets | 0.4958% | 4,077 |
| Noninterest expense to average assets | 2.6613% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2318% | 1,458 |
| Return on assets (ROA) | 1.2318% | 1,533 |
| Pretax return on assets | 1.7701% | 933 |
| Return on Equity (ROE) | 11.8716% | 1,530 |
| Retained earnings to average equity (ytd only) | 0.1466% | 5,765 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0549% | 6,161 |
| Assets per employee ($millions) | 4.0797% | 3,681 |
| Cash dividends to net income (ytd only)* | 98.7654% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 7,178 |
| Loan loss allowance to noncurrent loans | 175.5382% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 6,521 |
| Noncurrent loans to loans | 0.4438% | 6,412 |
| Net loans and leases to total assets | 84.8660% | 304 |
| Net loans and leases to deposits | 118.1490% | 163 |
| Net loans and leases to core deposits | 131.1117% | 462 |
| Total domestic deposits to total assets | 71.8297% | 7,278 |
| Equity capital to assets | 10.1351% | 3,694 |
| Core capital (leverage) ratio | 10.3601% | 2,757 |
| Tier 1 risk-based capital ratio | 12.4293% | 4,815 |
| Total risk-based capital ratio | 13.2463% | 5,158 |
| Memoranda: | ||
| Average total assets | $131,517,000 | 4,370 |
| Average earning assets | $122,455,500 | 4,314 |
| Average equity | $13,646,000 | 4,318 |
| Average total loans | $111,863,000 | 3,646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6972% | 3,114 |
| Cost of funding earning assets | 1.6291% | 4,894 |
| Net interest margin | 4.0681% | 2,576 |
| Noninterest income to average assets | 0.7068% | 2,919 |
| Noninterest expense to average assets | 2.6303% | 5,672 |
| Loan and lease loss provision to assets | 0.0097% | 7,380 |
| Net operating income to assets | 1.2686% | 1,094 |
| Return on assets (ROA) | 1.2848% | 1,114 |
| Pretax return on assets | 1.8523% | 569 |
| Return on Equity (ROE) | 12.3437% | 1,085 |
| Retained earnings to average equity (ytd only) | 12.3437% | 187 |
| Net charge-offs to loans | -0.0325% | 7,818 |
| Credit loss provision to net charge-offs | -36.3636% | 7,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8587% | 6,641 |
| Assets per employee ($millions) | 3.7766% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 7,058 |
| Loan loss allowance to noncurrent loans | 121.0526% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 5,772 |
| Noncurrent loans to loans | 0.6825% | 5,874 |
| Net loans and leases to total assets | 83.8579% | 448 |
| Net loans and leases to deposits | 116.1892% | 225 |
| Net loans and leases to core deposits | 167.6726% | 258 |
| Total domestic deposits to total assets | 72.1735% | 7,226 |
| Equity capital to assets | 10.6283% | 3,042 |
| Core capital (leverage) ratio | 10.5097% | 2,595 |
| Tier 1 risk-based capital ratio | 13.0612% | 4,102 |
| Total risk-based capital ratio | 13.9200% | 4,323 |
| Memoranda: | ||
| Average total assets | $123,520,400 | 4,484 |
| Average earning assets | $114,231,600 | 4,444 |
| Average equity | $12,856,800 | 4,544 |
| Average total loans | $101,669,200 | 3,904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 3,217 |
| Cost of funding earning assets | 1.6535% | 5,144 |
| Net interest margin | 4.0705% | 2,509 |
| Noninterest income to average assets | 0.6901% | 3,089 |
| Noninterest expense to average assets | 2.6492% | 5,526 |
| Loan and lease loss provision to assets | 0.0131% | 7,204 |
| Net operating income to assets | 1.2618% | 1,315 |
| Return on assets (ROA) | 1.2842% | 1,330 |
| Pretax return on assets | 1.8195% | 770 |
| Return on Equity (ROE) | 12.4070% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.4070% | 307 |
| Net charge-offs to loans | -0.0480% | 7,853 |
| Credit loss provision to net charge-offs | -33.3333% | 7,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5296% | 6,474 |
| Assets per employee ($millions) | 3.6598% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 6,845 |
| Loan loss allowance to noncurrent loans | 42.8776% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.9947% | 3,354 |
| Noncurrent loans to loans | 2.0543% | 3,557 |
| Net loans and leases to total assets | 81.3906% | 918 |
| Net loans and leases to deposits | 113.2309% | 355 |
| Net loans and leases to core deposits | 167.2076% | 291 |
| Total domestic deposits to total assets | 71.8802% | 7,225 |
| Equity capital to assets | 10.6773% | 3,317 |
| Core capital (leverage) ratio | 10.7774% | 2,575 |
| Tier 1 risk-based capital ratio | 13.2288% | 4,031 |
| Total risk-based capital ratio | 14.1285% | 4,217 |
| Memoranda: | ||
| Average total assets | $122,299,750 | 4,535 |
| Average earning assets | $112,972,250 | 4,518 |
| Average equity | $12,659,250 | 4,615 |
| Average total loans | $99,943,250 | 3,985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7154% | 3,453 |
| Cost of funding earning assets | 1.6760% | 5,386 |
| Net interest margin | 4.0394% | 2,542 |
| Noninterest income to average assets | 0.7007% | 2,991 |
| Noninterest expense to average assets | 2.6433% | 5,584 |
| Loan and lease loss provision to assets | 0.0197% | 7,030 |
| Net operating income to assets | 1.2508% | 1,353 |
| Return on assets (ROA) | 1.2847% | 1,355 |
| Pretax return on assets | 1.8160% | 823 |
| Return on Equity (ROE) | 12.5459% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.5459% | 374 |
| Net charge-offs to loans | -0.0181% | 7,680 |
| Credit loss provision to net charge-offs | -133.3333% | 6,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6511% | 6,601 |
| Assets per employee ($millions) | 3.9200% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 6,865 |
| Loan loss allowance to noncurrent loans | 51.2324% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5067% | 3,973 |
| Noncurrent loans to loans | 1.7114% | 3,945 |
| Net loans and leases to total assets | 81.2139% | 1,096 |
| Net loans and leases to deposits | 116.9822% | 301 |
| Net loans and leases to core deposits | 161.4778% | 428 |
| Total domestic deposits to total assets | 69.4242% | 7,518 |
| Equity capital to assets | 10.5735% | 3,320 |
| Core capital (leverage) ratio | 10.5506% | 2,767 |
| Tier 1 risk-based capital ratio | 13.4446% | 3,850 |
| Total risk-based capital ratio | 14.3590% | 3,983 |
| Memoranda: | ||
| Average total assets | $121,589,000 | 4,592 |
| Average earning assets | $112,292,670 | 4,562 |
| Average equity | $12,450,330 | 4,691 |
| Average total loans | $99,199,000 | 4,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 3,712 |
| Cost of funding earning assets | 1.7443% | 5,388 |
| Net interest margin | 3.9717% | 2,767 |
| Noninterest income to average assets | 0.6051% | 3,511 |
| Noninterest expense to average assets | 2.6278% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2252% | 1,580 |
| Return on assets (ROA) | 1.2958% | 1,487 |
| Pretax return on assets | 1.7497% | 1,081 |
| Return on Equity (ROE) | 12.8643% | 1,424 |
| Retained earnings to average equity (ytd only) | 12.8643% | 659 |
| Net charge-offs to loans | 0.0081% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 169 |
| Efficiency ratio | 61.3671% | 6,184 |
| Assets per employee ($millions) | 3.3601% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 6,916 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 5,724 |
| Noncurrent loans to loans | 0.5842% | 5,935 |
| Net loans and leases to total assets | 81.0838% | 1,186 |
| Net loans and leases to deposits | 116.4854% | 375 |
| Net loans and leases to core deposits | 159.4016% | 498 |
| Total domestic deposits to total assets | 69.6086% | 7,462 |
| Equity capital to assets | 10.2641% | 3,693 |
| Core capital (leverage) ratio | 10.9248% | 2,563 |
| Tier 1 risk-based capital ratio | 13.1275% | 4,104 |
| Total risk-based capital ratio | 14.0239% | 4,253 |
| Memoranda: | ||
| Average total assets | $121,623,000 | 4,601 |
| Average earning assets | $112,595,500 | 4,571 |
| Average equity | $12,251,000 | 4,769 |
| Average total loans | $99,016,000 | 4,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7221% | 1,950 |
| Cost of funding earning assets | 2.7535% | 2,906 |
| Net interest margin | 3.9686% | 3,277 |
| Noninterest income to average assets | 0.5895% | 3,925 |
| Noninterest expense to average assets | 2.4964% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2252% | 1,701 |
| Return on assets (ROA) | 1.2293% | 1,630 |
| Pretax return on assets | 1.7490% | 1,053 |
| Return on Equity (ROE) | 12.8261% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.8261% | 177 |
| Net charge-offs to loans | 0.0426% | 6,181 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 49.4286% | 765 |
| Efficiency ratio | 58.8829% | 6,546 |
| Assets per employee ($millions) | 3.7055% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,853 |
| Loan loss allowance to noncurrent loans | 118.0055% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 5,136 |
| Noncurrent loans to loans | 0.7286% | 5,208 |
| Net loans and leases to total assets | 80.3453% | 1,579 |
| Net loans and leases to deposits | 111.7421% | 721 |
| Net loans and leases to core deposits | 153.9487% | 715 |
| Total domestic deposits to total assets | 71.9024% | 7,018 |
| Equity capital to assets | 9.8838% | 4,177 |
| Core capital (leverage) ratio | 9.5815% | 3,907 |
| Tier 1 risk-based capital ratio | 12.5615% | 4,396 |
| Total risk-based capital ratio | 13.4494% | 4,560 |
| Memoranda: | ||
| Average total assets | $119,093,600 | 4,547 |
| Average earning assets | $109,533,600 | 4,522 |
| Average equity | $11,414,200 | 4,998 |
| Average total loans | $98,664,000 | 3,984 |