Home > The Peoples Community Bank > Performance and Condition Ratios
The Peoples Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 3,616 |
| Cost of funding earning assets | 1.0752% | 3,127 |
| Net interest margin | 3.1280% | 3,030 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.4036% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8536% | 2,692 |
| Return on assets (ROA) | 0.8962% | 2,534 |
| Pretax return on assets | 1.3965% | 1,643 |
| Return on Equity (ROE) | 8.6000% | 2,864 |
| Retained earnings to average equity (ytd only) | 4.2432% | 2,877 |
| Net charge-offs to loans | 0.0020% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,219.0000% | 129 |
| Efficiency ratio | 64.1629% | 2,590 |
| Assets per employee ($millions) | 6.9083% | 2,130 |
| Cash dividends to net income (ytd only)* | 50.6605% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,033 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.0700% | 2,835 |
| Net loans and leases to deposits | 68.4098% | 2,996 |
| Net loans and leases to core deposits | 71.0426% | 3,241 |
| Total domestic deposits to total assets | 87.8100% | 1,417 |
| Equity capital to assets | 10.4018% | 1,783 |
| Core capital (leverage) ratio | 12.7149% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $363,206,000 | 2,148 |
| Average earning assets | $336,315,000 | 2,146 |
| Average equity | $37,848,400 | 1,947 |
| Average total loans | $204,107,400 | 2,260 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,720 |
| Cost of funding earning assets | 0.9598% | 3,132 |
| Net interest margin | 3.1047% | 3,133 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.3512% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1042% | 2,043 |
| Return on assets (ROA) | 1.1134% | 1,997 |
| Pretax return on assets | 1.3709% | 1,845 |
| Return on Equity (ROE) | 10.6800% | 2,457 |
| Retained earnings to average equity (ytd only) | 10.6800% | 1,222 |
| Net charge-offs to loans | 0.0020% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,232.0000% | 129 |
| Efficiency ratio | 63.3624% | 2,577 |
| Assets per employee ($millions) | 7.0312% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 948 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.8600% | 2,956 |
| Net loans and leases to deposits | 66.5966% | 3,082 |
| Net loans and leases to core deposits | 68.9208% | 3,272 |
| Total domestic deposits to total assets | 88.3800% | 1,453 |
| Equity capital to assets | 10.6573% | 1,481 |
| Core capital (leverage) ratio | 13.2019% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $362,472,500 | 2,153 |
| Average earning assets | $335,742,750 | 2,154 |
| Average equity | $37,789,250 | 1,941 |
| Average total loans | $199,305,500 | 2,291 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 3,898 |
| Cost of funding earning assets | 0.8740% | 3,013 |
| Net interest margin | 3.0095% | 3,407 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.3306% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9770% | 2,495 |
| Return on assets (ROA) | 0.9770% | 2,484 |
| Pretax return on assets | 1.2876% | 2,118 |
| Return on Equity (ROE) | 9.4400% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.4403% | 1,565 |
| Net charge-offs to loans | 0.0031% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 780.6667% | 188 |
| Efficiency ratio | 64.4127% | 2,431 |
| Assets per employee ($millions) | 7.0529% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 866 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.2800% | 3,101 |
| Net loans and leases to deposits | 64.1592% | 3,182 |
| Net loans and leases to core deposits | 65.7119% | 3,364 |
| Total domestic deposits to total assets | 87.7100% | 1,704 |
| Equity capital to assets | 10.6620% | 1,522 |
| Core capital (leverage) ratio | 12.8148% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $363,766,667 | 2,152 |
| Average earning assets | $337,531,333 | 2,149 |
| Average equity | $37,647,000 | 1,954 |
| Average total loans | $194,263,333 | 2,325 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,042 |
| Cost of funding earning assets | 0.8292% | 2,606 |
| Net interest margin | 2.8580% | 3,854 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.3182% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9240% | 2,774 |
| Return on assets (ROA) | 0.9240% | 2,733 |
| Pretax return on assets | 1.2138% | 2,395 |
| Return on Equity (ROE) | 9.0600% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0629% | 1,933 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6347% | 2,251 |
| Assets per employee ($millions) | 7.1700% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 708 |
| Loan loss allowance to noncurrent loans | 169,350.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,944 |
| Noncurrent loans to loans | 0.0010% | 3,873 |
| Net loans and leases to total assets | 52.7500% | 3,294 |
| Net loans and leases to deposits | 59.0990% | 3,390 |
| Net loans and leases to core deposits | 60.3535% | 3,525 |
| Total domestic deposits to total assets | 89.2600% | 1,437 |
| Equity capital to assets | 10.5283% | 1,550 |
| Core capital (leverage) ratio | 12.5823% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $365,801,000 | 2,172 |
| Average earning assets | $343,452,000 | 2,160 |
| Average equity | $37,295,000 | 1,994 |
| Average total loans | $188,501,500 | 2,386 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 4,034 |
| Cost of funding earning assets | 0.2658% | 3,200 |
| Net interest margin | 2.8098% | 3,875 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 2.2822% | 2,799 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.1408% | 2,007 |
| Return on assets (ROA) | 1.1408% | 1,953 |
| Pretax return on assets | 1.4490% | 1,618 |
| Return on Equity (ROE) | 11.0200% | 2,470 |
| Retained earnings to average equity (ytd only) | 6.7661% | 2,334 |
| Net charge-offs to loans | 0.0147% | 1,834 |
| Credit loss provision to net charge-offs | -1,851.8519% | 4,681 |
| Earnings coverage of net charge-offs (x) | 178.9630% | 702 |
| Efficiency ratio | 63.4769% | 2,569 |
| Assets per employee ($millions) | 7.3157% | 1,743 |
| Cash dividends to net income (ytd only)* | 38.6136% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 483 |
| Loan loss allowance to noncurrent loans | 339.6961% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 1,738 |
| Noncurrent loans to loans | 0.5707% | 1,304 |
| Net loans and leases to total assets | 48.4900% | 3,637 |
| Net loans and leases to deposits | 53.9247% | 3,682 |
| Net loans and leases to core deposits | 55.0861% | 3,761 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 9.8756% | 1,770 |
| Core capital (leverage) ratio | 12.2984% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $367,975,600 | 2,149 |
| Average earning assets | $345,395,600 | 2,130 |
| Average equity | $38,087,000 | 1,993 |
| Average total loans | $183,234,600 | 2,350 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9368% | 4,004 |
| Cost of funding earning assets | 0.1936% | 3,352 |
| Net interest margin | 2.7432% | 3,845 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.2478% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9995% | 2,481 |
| Return on assets (ROA) | 0.9995% | 2,448 |
| Pretax return on assets | 1.2791% | 2,111 |
| Return on Equity (ROE) | 9.5500% | 2,858 |
| Retained earnings to average equity (ytd only) | 9.5456% | 1,470 |
| Net charge-offs to loans | 0.0190% | 1,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 135.3077% | 789 |
| Efficiency ratio | 63.7320% | 2,588 |
| Assets per employee ($millions) | 7.2325% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 357 |
| Loan loss allowance to noncurrent loans | 354.9173% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 1,695 |
| Noncurrent loans to loans | 0.6145% | 1,318 |
| Net loans and leases to total assets | 49.5900% | 3,492 |
| Net loans and leases to deposits | 55.0583% | 3,542 |
| Net loans and leases to core deposits | 56.5102% | 3,598 |
| Total domestic deposits to total assets | 90.0600% | 1,630 |
| Equity capital to assets | 9.7811% | 1,735 |
| Core capital (leverage) ratio | 12.3142% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $366,694,000 | 2,166 |
| Average earning assets | $344,353,000 | 2,148 |
| Average equity | $38,397,250 | 2,007 |
| Average total loans | $182,915,500 | 2,353 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8189% | 3,944 |
| Cost of funding earning assets | 0.1485% | 3,595 |
| Net interest margin | 2.6703% | 3,764 |
| Noninterest income to average assets | 0.9777% | 707 |
| Noninterest expense to average assets | 2.2176% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0225% | 2,079 |
| Return on assets (ROA) | 1.0225% | 2,045 |
| Pretax return on assets | 1.2651% | 1,852 |
| Return on Equity (ROE) | 9.5531% | 2,506 |
| Retained earnings to average equity (ytd only) | 9.5531% | 1,131 |
| Net charge-offs to loans | 0.0176% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 144.6875% | 662 |
| Efficiency ratio | 63.6749% | 2,814 |
| Assets per employee ($millions) | 7.2659% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 358 |
| Loan loss allowance to noncurrent loans | 341.5205% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 1,653 |
| Noncurrent loans to loans | 0.6556% | 1,307 |
| Net loans and leases to total assets | 50.1379% | 3,366 |
| Net loans and leases to deposits | 55.8920% | 3,383 |
| Net loans and leases to core deposits | 57.4084% | 3,469 |
| Total domestic deposits to total assets | 89.7050% | 1,842 |
| Equity capital to assets | 10.1837% | 1,600 |
| Core capital (leverage) ratio | 11.8730% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,973,333 | 2,175 |
| Average earning assets | $343,329,667 | 2,169 |
| Average equity | $39,170,333 | 2,033 |
| Average total loans | $181,559,333 | 2,374 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7704% | 3,803 |
| Cost of funding earning assets | 0.1403% | 3,626 |
| Net interest margin | 2.6301% | 3,587 |
| Noninterest income to average assets | 0.8842% | 859 |
| Noninterest expense to average assets | 2.2170% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8594% | 2,452 |
| Return on assets (ROA) | 0.8594% | 2,443 |
| Pretax return on assets | 1.1333% | 2,043 |
| Return on Equity (ROE) | 7.8470% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.8470% | 1,628 |
| Net charge-offs to loans | 0.0066% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 350.3333% | 282 |
| Efficiency ratio | 66.1732% | 2,748 |
| Assets per employee ($millions) | 7.3522% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 372 |
| Loan loss allowance to noncurrent loans | 340.3320% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,771 |
| Noncurrent loans to loans | 0.6758% | 1,407 |
| Net loans and leases to total assets | 48.3531% | 3,349 |
| Net loans and leases to deposits | 55.1793% | 3,327 |
| Net loans and leases to core deposits | 56.8605% | 3,386 |
| Total domestic deposits to total assets | 87.6291% | 2,698 |
| Equity capital to assets | 10.6715% | 1,507 |
| Core capital (leverage) ratio | 11.5260% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,946,000 | 2,168 |
| Average earning assets | $347,826,000 | 2,156 |
| Average equity | $40,627,000 | 2,028 |
| Average total loans | $181,042,500 | 2,373 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 3,808 |
| Cost of funding earning assets | 0.1596% | 3,870 |
| Net interest margin | 2.8761% | 3,500 |
| Noninterest income to average assets | 1.3399% | 601 |
| Noninterest expense to average assets | 2.4383% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1653% | 2,040 |
| Return on assets (ROA) | 1.1653% | 2,103 |
| Pretax return on assets | 1.6186% | 1,375 |
| Return on Equity (ROE) | 9.7978% | 2,601 |
| Retained earnings to average equity (ytd only) | 6.2880% | 2,233 |
| Net charge-offs to loans | 0.0021% | 2,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,446.2500% | 100 |
| Efficiency ratio | 60.1034% | 3,130 |
| Assets per employee ($millions) | 7.3391% | 1,698 |
| Cash dividends to net income (ytd only)* | 35.8223% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2330% | 425 |
| Loan loss allowance to noncurrent loans | 339.4541% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 1,966 |
| Noncurrent loans to loans | 0.6578% | 1,520 |
| Net loans and leases to total assets | 47.0828% | 3,591 |
| Net loans and leases to deposits | 54.4403% | 3,562 |
| Net loans and leases to core deposits | 55.9483% | 3,622 |
| Total domestic deposits to total assets | 86.4852% | 2,720 |
| Equity capital to assets | 11.2173% | 1,655 |
| Core capital (leverage) ratio | 11.1329% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,416,400 | 2,163 |
| Average earning assets | $337,643,400 | 2,145 |
| Average equity | $42,509,400 | 1,993 |
| Average total loans | $191,844,400 | 2,294 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 3,692 |
| Cost of funding earning assets | 0.1663% | 3,958 |
| Net interest margin | 2.9890% | 3,333 |
| Noninterest income to average assets | 1.1889% | 803 |
| Noninterest expense to average assets | 2.2920% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2428% | 2,015 |
| Return on assets (ROA) | 1.2428% | 2,077 |
| Pretax return on assets | 1.7266% | 1,344 |
| Return on Equity (ROE) | 10.2901% | 2,630 |
| Retained earnings to average equity (ytd only) | 10.2901% | 1,232 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0349% | 3,410 |
| Assets per employee ($millions) | 6.6562% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 513 |
| Loan loss allowance to noncurrent loans | 334.8003% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 2,076 |
| Noncurrent loans to loans | 0.6359% | 1,720 |
| Net loans and leases to total assets | 52.5361% | 3,136 |
| Net loans and leases to deposits | 61.4397% | 3,101 |
| Net loans and leases to core deposits | 62.6954% | 3,248 |
| Total domestic deposits to total assets | 85.5084% | 2,941 |
| Equity capital to assets | 12.1997% | 1,310 |
| Core capital (leverage) ratio | 11.5668% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,362,000 | 2,212 |
| Average earning assets | $332,631,500 | 2,195 |
| Average equity | $42,434,500 | 2,025 |
| Average total loans | $193,858,500 | 2,312 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3267% | 3,363 |
| Cost of funding earning assets | 0.1987% | 3,765 |
| Net interest margin | 3.1280% | 2,961 |
| Noninterest income to average assets | 1.3067% | 678 |
| Noninterest expense to average assets | 2.3019% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3824% | 1,623 |
| Return on assets (ROA) | 1.3824% | 1,694 |
| Pretax return on assets | 1.9761% | 876 |
| Return on Equity (ROE) | 11.4864% | 2,243 |
| Retained earnings to average equity (ytd only) | 11.4864% | 1,019 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8080% | 3,828 |
| Assets per employee ($millions) | 6.7828% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 434 |
| Loan loss allowance to noncurrent loans | 287.2727% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 1,954 |
| Noncurrent loans to loans | 0.7628% | 1,581 |
| Net loans and leases to total assets | 53.0062% | 3,250 |
| Net loans and leases to deposits | 62.2411% | 3,175 |
| Net loans and leases to core deposits | 63.6465% | 3,318 |
| Total domestic deposits to total assets | 85.1626% | 3,029 |
| Equity capital to assets | 12.4235% | 1,167 |
| Core capital (leverage) ratio | 11.5059% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,671,000 | 2,209 |
| Average earning assets | $331,202,333 | 2,187 |
| Average equity | $41,962,667 | 2,037 |
| Average total loans | $194,164,333 | 2,317 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4921% | 2,948 |
| Cost of funding earning assets | 0.2143% | 3,783 |
| Net interest margin | 3.2778% | 2,453 |
| Noninterest income to average assets | 1.3690% | 697 |
| Noninterest expense to average assets | 2.2180% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5244% | 1,274 |
| Return on assets (ROA) | 1.5244% | 1,338 |
| Pretax return on assets | 2.2614% | 624 |
| Return on Equity (ROE) | 12.8715% | 1,711 |
| Retained earnings to average equity (ytd only) | 12.8715% | 949 |
| Net charge-offs to loans | 0.0020% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,979.0000% | 37 |
| Efficiency ratio | 49.5153% | 4,227 |
| Assets per employee ($millions) | 6.8509% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 517 |
| Loan loss allowance to noncurrent loans | 225.0959% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 1,855 |
| Noncurrent loans to loans | 0.9235% | 1,466 |
| Net loans and leases to total assets | 54.3210% | 3,209 |
| Net loans and leases to deposits | 64.7405% | 3,055 |
| Net loans and leases to core deposits | 66.6707% | 3,185 |
| Total domestic deposits to total assets | 83.9058% | 3,469 |
| Equity capital to assets | 11.7149% | 1,430 |
| Core capital (leverage) ratio | 11.2878% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,044,500 | 2,188 |
| Average earning assets | $332,178,000 | 2,165 |
| Average equity | $41,456,000 | 2,038 |
| Average total loans | $197,512,000 | 2,300 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 3,806 |
| Cost of funding earning assets | 0.4576% | 3,237 |
| Net interest margin | 3.1455% | 3,505 |
| Noninterest income to average assets | 1.3800% | 610 |
| Noninterest expense to average assets | 2.5615% | 2,668 |
| Loan and lease loss provision to assets | 0.1239% | 2,815 |
| Net operating income to assets | 1.2420% | 1,410 |
| Return on assets (ROA) | 1.2400% | 1,520 |
| Pretax return on assets | 1.6836% | 880 |
| Return on Equity (ROE) | 9.9077% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.2867% | 1,668 |
| Net charge-offs to loans | 0.0725% | 1,763 |
| Credit loss provision to net charge-offs | 277.7778% | 1,809 |
| Earnings coverage of net charge-offs (x) | 40.5764% | 1,380 |
| Efficiency ratio | 58.1916% | 3,701 |
| Assets per employee ($millions) | 6.7420% | 1,750 |
| Cash dividends to net income (ytd only)* | 36.5476% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0811% | 502 |
| Loan loss allowance to noncurrent loans | 221.9341% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 1,945 |
| Noncurrent loans to loans | 0.9377% | 1,503 |
| Net loans and leases to total assets | 56.2151% | 3,280 |
| Net loans and leases to deposits | 73.8245% | 2,503 |
| Net loans and leases to core deposits | 76.3589% | 2,700 |
| Total domestic deposits to total assets | 76.1469% | 4,501 |
| Equity capital to assets | 11.9758% | 1,581 |
| Core capital (leverage) ratio | 11.3861% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,821,400 | 2,174 |
| Average earning assets | $307,008,600 | 2,134 |
| Average equity | $40,403,000 | 2,009 |
| Average total loans | $198,699,200 | 2,245 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 3,561 |
| Cost of funding earning assets | 0.5180% | 3,123 |
| Net interest margin | 3.2853% | 3,236 |
| Noninterest income to average assets | 1.3591% | 601 |
| Noninterest expense to average assets | 2.4733% | 2,925 |
| Loan and lease loss provision to assets | 0.1678% | 2,322 |
| Net operating income to assets | 1.3695% | 1,178 |
| Return on assets (ROA) | 1.3695% | 1,278 |
| Pretax return on assets | 1.8490% | 715 |
| Return on Equity (ROE) | 10.8165% | 1,744 |
| Retained earnings to average equity (ytd only) | 10.8165% | 612 |
| Net charge-offs to loans | -0.0529% | 4,694 |
| Credit loss provision to net charge-offs | -506.3291% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5489% | 4,095 |
| Assets per employee ($millions) | 6.4065% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 444 |
| Loan loss allowance to noncurrent loans | 117.6263% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1053% | 945 |
| Noncurrent loans to loans | 1.7556% | 764 |
| Net loans and leases to total assets | 61.6547% | 3,051 |
| Net loans and leases to deposits | 81.7394% | 2,124 |
| Net loans and leases to core deposits | 84.3677% | 2,440 |
| Total domestic deposits to total assets | 75.4284% | 4,473 |
| Equity capital to assets | 12.5840% | 1,384 |
| Core capital (leverage) ratio | 11.8514% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,566,250 | 2,182 |
| Average earning assets | $302,673,750 | 2,133 |
| Average equity | $40,209,250 | 2,008 |
| Average total loans | $199,024,250 | 2,244 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,151 |
| Cost of funding earning assets | 0.6236% | 2,845 |
| Net interest margin | 3.4385% | 2,977 |
| Noninterest income to average assets | 1.3234% | 590 |
| Noninterest expense to average assets | 2.5181% | 2,914 |
| Loan and lease loss provision to assets | 0.2561% | 1,653 |
| Net operating income to assets | 1.3439% | 1,237 |
| Return on assets (ROA) | 1.3439% | 1,336 |
| Pretax return on assets | 1.8254% | 772 |
| Return on Equity (ROE) | 10.5908% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.5908% | 676 |
| Net charge-offs to loans | -0.0798% | 4,803 |
| Credit loss provision to net charge-offs | -512.8205% | 3,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9532% | 4,184 |
| Assets per employee ($millions) | 6.2582% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 391 |
| Loan loss allowance to noncurrent loans | 120.8822% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 1,041 |
| Noncurrent loans to loans | 1.7126% | 842 |
| Net loans and leases to total assets | 62.9393% | 3,017 |
| Net loans and leases to deposits | 85.1973% | 1,857 |
| Net loans and leases to core deposits | 87.7926% | 2,264 |
| Total domestic deposits to total assets | 73.8747% | 4,607 |
| Equity capital to assets | 12.5250% | 1,364 |
| Core capital (leverage) ratio | 11.6627% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,376,333 | 2,185 |
| Average earning assets | $297,625,667 | 2,138 |
| Average equity | $39,638,333 | 2,014 |
| Average total loans | $195,457,333 | 2,248 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,002 |
| Cost of funding earning assets | 0.7658% | 2,576 |
| Net interest margin | 3.1526% | 3,972 |
| Noninterest income to average assets | 0.9443% | 968 |
| Noninterest expense to average assets | 2.4469% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0894% | 1,877 |
| Return on assets (ROA) | 1.0894% | 1,976 |
| Pretax return on assets | 1.4962% | 1,316 |
| Return on Equity (ROE) | 8.5266% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.5266% | 1,094 |
| Net charge-offs to loans | -0.1272% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0945% | 3,603 |
| Assets per employee ($millions) | 6.0965% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 464 |
| Loan loss allowance to noncurrent loans | 1,178.6145% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,088 |
| Noncurrent loans to loans | 0.1744% | 3,848 |
| Net loans and leases to total assets | 59.9763% | 3,494 |
| Net loans and leases to deposits | 97.5804% | 773 |
| Net loans and leases to core deposits | 101.3275% | 1,375 |
| Total domestic deposits to total assets | 61.4634% | 5,014 |
| Equity capital to assets | 12.7022% | 1,620 |
| Core capital (leverage) ratio | 12.4947% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,850,500 | 2,170 |
| Average earning assets | $290,932,500 | 2,128 |
| Average equity | $39,077,500 | 2,022 |
| Average total loans | $188,610,000 | 2,269 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 3,174 |
| Cost of funding earning assets | 0.9366% | 2,029 |
| Net interest margin | 3.4885% | 3,487 |
| Noninterest income to average assets | 0.9289% | 1,120 |
| Noninterest expense to average assets | 2.7970% | 2,611 |
| Loan and lease loss provision to assets | -0.0859% | 5,060 |
| Net operating income to assets | 1.1054% | 2,421 |
| Return on assets (ROA) | 1.1054% | 2,517 |
| Pretax return on assets | 1.5189% | 1,745 |
| Return on Equity (ROE) | 8.4515% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.8362% | 2,510 |
| Net charge-offs to loans | -0.1529% | 5,021 |
| Credit loss provision to net charge-offs | 86.5052% | 2,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8401% | 2,964 |
| Assets per employee ($millions) | 5.7842% | 1,804 |
| Cash dividends to net income (ytd only)* | 42.7773% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.8339% | 3,519 |
| Net loans and leases to deposits | 100.2960% | 589 |
| Net loans and leases to core deposits | 104.0441% | 1,224 |
| Total domestic deposits to total assets | 60.6544% | 5,082 |
| Equity capital to assets | 12.8537% | 1,611 |
| Core capital (leverage) ratio | 11.9262% | 1,825 |
| Tier 1 risk-based capital ratio | 17.7344% | 1,830 |
| Total risk-based capital ratio | 18.9926% | 1,781 |
| Memoranda: | ||
| Average total assets | $291,203,200 | 2,215 |
| Average earning assets | $275,560,000 | 2,175 |
| Average equity | $38,087,800 | 2,004 |
| Average total loans | $189,067,600 | 2,243 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 3,137 |
| Cost of funding earning assets | 0.9686% | 1,897 |
| Net interest margin | 3.5076% | 3,541 |
| Noninterest income to average assets | 0.9145% | 1,111 |
| Noninterest expense to average assets | 2.7261% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0576% | 2,747 |
| Return on assets (ROA) | 1.0576% | 2,827 |
| Pretax return on assets | 1.5055% | 1,938 |
| Return on Equity (ROE) | 8.0502% | 3,280 |
| Retained earnings to average equity (ytd only) | 8.0502% | 1,368 |
| Net charge-offs to loans | -0.0570% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1246% | 3,140 |
| Assets per employee ($millions) | 5.6822% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 405 |
| Loan loss allowance to noncurrent loans | 77,900.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 3,509 |
| Noncurrent loans to loans | 0.0027% | 4,680 |
| Net loans and leases to total assets | 62.1572% | 3,481 |
| Net loans and leases to deposits | 101.0059% | 562 |
| Net loans and leases to core deposits | 104.8707% | 1,270 |
| Total domestic deposits to total assets | 61.5382% | 5,150 |
| Equity capital to assets | 13.2363% | 1,493 |
| Core capital (leverage) ratio | 12.8653% | 1,397 |
| Tier 1 risk-based capital ratio | 17.7600% | 1,888 |
| Total risk-based capital ratio | 19.0181% | 1,834 |
| Memoranda: | ||
| Average total assets | $288,809,500 | 2,243 |
| Average earning assets | $273,113,250 | 2,203 |
| Average equity | $37,944,500 | 2,027 |
| Average total loans | $189,627,750 | 2,259 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,855 |
| Cost of funding earning assets | 0.9888% | 1,747 |
| Net interest margin | 3.5589% | 3,408 |
| Noninterest income to average assets | 0.8507% | 1,205 |
| Noninterest expense to average assets | 2.7217% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0747% | 2,632 |
| Return on assets (ROA) | 1.0747% | 2,695 |
| Pretax return on assets | 1.4899% | 1,888 |
| Return on Equity (ROE) | 8.2011% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.2011% | 1,311 |
| Net charge-offs to loans | -0.0725% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3140% | 3,239 |
| Assets per employee ($millions) | 5.3938% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 443 |
| Loan loss allowance to noncurrent loans | 501.0323% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,811 |
| Noncurrent loans to loans | 0.4068% | 3,078 |
| Net loans and leases to total assets | 65.2826% | 3,193 |
| Net loans and leases to deposits | 103.6702% | 434 |
| Net loans and leases to core deposits | 107.8345% | 1,110 |
| Total domestic deposits to total assets | 62.9714% | 5,183 |
| Equity capital to assets | 13.4174% | 1,368 |
| Core capital (leverage) ratio | 12.5635% | 1,504 |
| Tier 1 risk-based capital ratio | 17.2373% | 2,014 |
| Total risk-based capital ratio | 18.4952% | 1,967 |
| Memoranda: | ||
| Average total assets | $286,587,670 | 2,258 |
| Average earning assets | $270,642,000 | 2,225 |
| Average equity | $37,556,000 | 2,037 |
| Average total loans | $190,319,000 | 2,258 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 2,985 |
| Cost of funding earning assets | 0.9865% | 1,626 |
| Net interest margin | 3.4787% | 3,654 |
| Noninterest income to average assets | 0.7765% | 1,344 |
| Noninterest expense to average assets | 2.7183% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9744% | 2,954 |
| Return on assets (ROA) | 0.9744% | 2,994 |
| Pretax return on assets | 1.3368% | 2,301 |
| Return on Equity (ROE) | 7.5251% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.5251% | 1,835 |
| Net charge-offs to loans | -0.0021% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6583% | 2,984 |
| Assets per employee ($millions) | 5.7356% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 495 |
| Loan loss allowance to noncurrent loans | 305.2000% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,338 |
| Noncurrent loans to loans | 0.6562% | 2,376 |
| Net loans and leases to total assets | 63.8202% | 3,311 |
| Net loans and leases to deposits | 102.1342% | 490 |
| Net loans and leases to core deposits | 105.6712% | 1,197 |
| Total domestic deposits to total assets | 62.4866% | 5,256 |
| Equity capital to assets | 12.8228% | 1,552 |
| Core capital (leverage) ratio | 12.2541% | 1,632 |
| Tier 1 risk-based capital ratio | 16.7668% | 2,187 |
| Total risk-based capital ratio | 18.0244% | 2,135 |
| Memoranda: | ||
| Average total assets | $286,944,500 | 2,270 |
| Average earning assets | $270,444,000 | 2,239 |
| Average equity | $37,155,500 | 2,052 |
| Average total loans | $190,224,000 | 2,281 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 2,831 |
| Cost of funding earning assets | 0.6724% | 2,250 |
| Net interest margin | 3.7061% | 3,012 |
| Noninterest income to average assets | 0.8922% | 1,195 |
| Noninterest expense to average assets | 2.9230% | 2,267 |
| Loan and lease loss provision to assets | 0.3479% | 444 |
| Net operating income to assets | 0.7860% | 3,854 |
| Return on assets (ROA) | 0.7860% | 3,856 |
| Pretax return on assets | 1.1134% | 3,221 |
| Return on Equity (ROE) | 5.8024% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.3118% | 4,231 |
| Net charge-offs to loans | 0.4450% | 409 |
| Credit loss provision to net charge-offs | 110.2088% | 2,335 |
| Earnings coverage of net charge-offs (x) | 4.6288% | 3,274 |
| Efficiency ratio | 65.3496% | 2,980 |
| Assets per employee ($millions) | 5.3089% | 2,142 |
| Cash dividends to net income (ytd only)* | 60.1584% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 465 |
| Loan loss allowance to noncurrent loans | 290.0380% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 2,143 |
| Noncurrent loans to loans | 0.6923% | 2,257 |
| Net loans and leases to total assets | 66.1523% | 3,106 |
| Net loans and leases to deposits | 104.1175% | 476 |
| Net loans and leases to core deposits | 107.5366% | 1,154 |
| Total domestic deposits to total assets | 63.5362% | 5,288 |
| Equity capital to assets | 13.0795% | 1,308 |
| Core capital (leverage) ratio | 12.4161% | 1,501 |
| Tier 1 risk-based capital ratio | 16.3160% | 2,301 |
| Total risk-based capital ratio | 17.5731% | 2,243 |
| Memoranda: | ||
| Average total assets | $273,037,000 | 2,308 |
| Average earning assets | $257,281,600 | 2,286 |
| Average equity | $36,984,400 | 1,987 |
| Average total loans | $193,727,000 | 2,221 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,790 |
| Cost of funding earning assets | 0.6242% | 2,307 |
| Net interest margin | 3.7269% | 2,905 |
| Noninterest income to average assets | 0.8980% | 1,207 |
| Noninterest expense to average assets | 2.9180% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1013% | 2,662 |
| Return on assets (ROA) | 1.1013% | 2,678 |
| Pretax return on assets | 1.4969% | 1,907 |
| Return on Equity (ROE) | 8.0581% | 3,527 |
| Retained earnings to average equity (ytd only) | 8.0581% | 1,620 |
| Net charge-offs to loans | 0.1514% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.7647% | 2,329 |
| Efficiency ratio | 64.7682% | 3,060 |
| Assets per employee ($millions) | 5.2616% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 669 |
| Loan loss allowance to noncurrent loans | 180.8566% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 1,667 |
| Noncurrent loans to loans | 1.0156% | 1,687 |
| Net loans and leases to total assets | 68.4659% | 2,873 |
| Net loans and leases to deposits | 107.9123% | 358 |
| Net loans and leases to core deposits | 110.9659% | 976 |
| Total domestic deposits to total assets | 63.4458% | 5,359 |
| Equity capital to assets | 13.9515% | 973 |
| Core capital (leverage) ratio | 13.0636% | 1,252 |
| Tier 1 risk-based capital ratio | 16.9459% | 2,124 |
| Total risk-based capital ratio | 18.2014% | 2,077 |
| Memoranda: | ||
| Average total assets | $270,953,250 | 2,332 |
| Average earning assets | $255,684,500 | 2,307 |
| Average equity | $37,030,000 | 1,985 |
| Average total loans | $194,671,750 | 2,218 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 2,712 |
| Cost of funding earning assets | 0.5635% | 2,489 |
| Net interest margin | 3.7512% | 2,747 |
| Noninterest income to average assets | 0.8687% | 1,272 |
| Noninterest expense to average assets | 2.9437% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0486% | 2,815 |
| Return on assets (ROA) | 1.0486% | 2,808 |
| Pretax return on assets | 1.4648% | 1,943 |
| Return on Equity (ROE) | 7.7273% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.7273% | 1,741 |
| Net charge-offs to loans | 0.0541% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 37.3208% | 1,342 |
| Efficiency ratio | 65.4460% | 3,075 |
| Assets per employee ($millions) | 4.9186% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 645 |
| Loan loss allowance to noncurrent loans | 123.7534% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 1,340 |
| Noncurrent loans to loans | 1.5274% | 1,092 |
| Net loans and leases to total assets | 70.4722% | 2,509 |
| Net loans and leases to deposits | 107.7969% | 357 |
| Net loans and leases to core deposits | 110.7695% | 950 |
| Total domestic deposits to total assets | 65.3750% | 5,395 |
| Equity capital to assets | 13.8034% | 988 |
| Core capital (leverage) ratio | 13.0585% | 1,199 |
| Tier 1 risk-based capital ratio | 16.2425% | 2,352 |
| Total risk-based capital ratio | 17.4987% | 2,290 |
| Memoranda: | ||
| Average total assets | $270,069,330 | 2,353 |
| Average earning assets | $254,853,000 | 2,320 |
| Average equity | $36,649,330 | 2,004 |
| Average total loans | $195,952,000 | 2,221 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 2,283 |
| Cost of funding earning assets | 0.5193% | 2,643 |
| Net interest margin | 3.8538% | 2,213 |
| Noninterest income to average assets | 0.8553% | 1,280 |
| Noninterest expense to average assets | 2.9084% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1281% | 2,294 |
| Return on assets (ROA) | 1.1281% | 2,313 |
| Pretax return on assets | 1.5772% | 1,462 |
| Return on Equity (ROE) | 8.3849% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.3849% | 1,695 |
| Net charge-offs to loans | -0.0163% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5162% | 3,556 |
| Assets per employee ($millions) | 5.1818% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 638 |
| Loan loss allowance to noncurrent loans | 111.0979% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 1,200 |
| Noncurrent loans to loans | 1.7263% | 989 |
| Net loans and leases to total assets | 70.8702% | 2,350 |
| Net loans and leases to deposits | 108.7334% | 302 |
| Net loans and leases to core deposits | 111.5432% | 912 |
| Total domestic deposits to total assets | 65.1780% | 5,473 |
| Equity capital to assets | 13.6135% | 1,011 |
| Core capital (leverage) ratio | 12.6691% | 1,307 |
| Tier 1 risk-based capital ratio | 16.0919% | 2,427 |
| Total risk-based capital ratio | 17.3487% | 2,378 |
| Memoranda: | ||
| Average total assets | $269,843,500 | 2,371 |
| Average earning assets | $254,189,500 | 2,341 |
| Average equity | $36,303,500 | 2,028 |
| Average total loans | $196,770,500 | 2,220 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 3,015 |
| Cost of funding earning assets | 0.3398% | 3,800 |
| Net interest margin | 3.7721% | 2,532 |
| Noninterest income to average assets | 0.9213% | 1,210 |
| Noninterest expense to average assets | 2.8387% | 2,650 |
| Loan and lease loss provision to assets | 0.1654% | 1,331 |
| Net operating income to assets | 0.7956% | 3,182 |
| Return on assets (ROA) | 0.7956% | 3,224 |
| Pretax return on assets | 1.4555% | 1,800 |
| Return on Equity (ROE) | 6.0125% | 3,757 |
| Retained earnings to average equity (ytd only) | 2.6645% | 3,727 |
| Net charge-offs to loans | 0.3276% | 775 |
| Credit loss provision to net charge-offs | 70.5329% | 3,083 |
| Earnings coverage of net charge-offs (x) | 6.9107% | 3,122 |
| Efficiency ratio | 62.3495% | 3,888 |
| Assets per employee ($millions) | 5.1968% | 2,254 |
| Cash dividends to net income (ytd only)* | 55.6839% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 682 |
| Loan loss allowance to noncurrent loans | 96.4535% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 960 |
| Noncurrent loans to loans | 1.9427% | 796 |
| Net loans and leases to total assets | 72.2037% | 2,199 |
| Net loans and leases to deposits | 109.2736% | 290 |
| Net loans and leases to core deposits | 112.7009% | 857 |
| Total domestic deposits to total assets | 66.0761% | 5,517 |
| Equity capital to assets | 13.2940% | 1,133 |
| Core capital (leverage) ratio | 12.4127% | 1,395 |
| Tier 1 risk-based capital ratio | 15.3899% | 2,664 |
| Total risk-based capital ratio | 16.6458% | 2,599 |
| Memoranda: | ||
| Average total assets | $271,995,000 | 2,338 |
| Average earning assets | $255,137,400 | 2,319 |
| Average equity | $35,991,800 | 2,024 |
| Average total loans | $194,726,600 | 2,202 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,055 |
| Cost of funding earning assets | 0.3165% | 3,966 |
| Net interest margin | 3.7630% | 2,531 |
| Noninterest income to average assets | 0.9113% | 1,235 |
| Noninterest expense to average assets | 2.7915% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0204% | 2,471 |
| Return on assets (ROA) | 1.0204% | 2,511 |
| Pretax return on assets | 1.6512% | 1,240 |
| Return on Equity (ROE) | 7.7202% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.7202% | 1,337 |
| Net charge-offs to loans | 0.1253% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.5385% | 2,041 |
| Efficiency ratio | 61.5224% | 3,953 |
| Assets per employee ($millions) | 5.0769% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 727 |
| Loan loss allowance to noncurrent loans | 252.3327% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 2,075 |
| Noncurrent loans to loans | 0.7457% | 2,498 |
| Net loans and leases to total assets | 73.7153% | 1,962 |
| Net loans and leases to deposits | 109.5451% | 290 |
| Net loans and leases to core deposits | 113.4257% | 869 |
| Total domestic deposits to total assets | 67.2922% | 5,559 |
| Equity capital to assets | 14.0397% | 982 |
| Core capital (leverage) ratio | 12.7852% | 1,299 |
| Tier 1 risk-based capital ratio | 16.0041% | 2,500 |
| Total risk-based capital ratio | 17.2602% | 2,440 |
| Memoranda: | ||
| Average total assets | $272,435,250 | 2,347 |
| Average earning assets | $255,675,500 | 2,325 |
| Average equity | $36,008,500 | 2,032 |
| Average total loans | $193,697,000 | 2,224 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,066 |
| Cost of funding earning assets | 0.2993% | 4,087 |
| Net interest margin | 3.7355% | 2,531 |
| Noninterest income to average assets | 0.8785% | 1,337 |
| Noninterest expense to average assets | 2.7604% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0085% | 2,381 |
| Return on assets (ROA) | 1.0085% | 2,421 |
| Pretax return on assets | 1.6182% | 1,288 |
| Return on Equity (ROE) | 7.7854% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.7854% | 1,243 |
| Net charge-offs to loans | 0.1738% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.3353% | 2,139 |
| Efficiency ratio | 61.7325% | 4,042 |
| Assets per employee ($millions) | 5.1030% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,076 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.5069% | 2,281 |
| Net loans and leases to deposits | 104.8780% | 450 |
| Net loans and leases to core deposits | 108.3099% | 1,090 |
| Total domestic deposits to total assets | 68.1810% | 5,590 |
| Equity capital to assets | 13.4461% | 1,168 |
| Core capital (leverage) ratio | 12.3865% | 1,423 |
| Tier 1 risk-based capital ratio | 15.7185% | 2,614 |
| Total risk-based capital ratio | 16.9745% | 2,549 |
| Memoranda: | ||
| Average total assets | $275,246,670 | 2,340 |
| Average earning assets | $257,905,330 | 2,317 |
| Average equity | $35,656,330 | 2,043 |
| Average total loans | $192,149,000 | 2,240 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,211 |
| Cost of funding earning assets | 0.2941% | 4,107 |
| Net interest margin | 3.6541% | 2,680 |
| Noninterest income to average assets | 0.8025% | 1,537 |
| Noninterest expense to average assets | 2.7100% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9451% | 2,542 |
| Return on assets (ROA) | 0.9451% | 2,602 |
| Pretax return on assets | 1.5113% | 1,501 |
| Return on Equity (ROE) | 7.4331% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.4331% | 1,682 |
| Net charge-offs to loans | 0.0063% | 2,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 349.6667% | 171 |
| Efficiency ratio | 62.8669% | 4,009 |
| Assets per employee ($millions) | 5.3165% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0663% | 589 |
| Loan loss allowance to noncurrent loans | 2,429.1925% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,932 |
| Noncurrent loans to loans | 0.0851% | 4,856 |
| Net loans and leases to total assets | 67.0490% | 2,810 |
| Net loans and leases to deposits | 99.7353% | 630 |
| Net loans and leases to core deposits | 103.2122% | 1,277 |
| Total domestic deposits to total assets | 67.2270% | 5,689 |
| Equity capital to assets | 12.8887% | 1,309 |
| Core capital (leverage) ratio | 12.0572% | 1,590 |
| Tier 1 risk-based capital ratio | 16.2916% | 2,439 |
| Total risk-based capital ratio | 17.5504% | 2,378 |
| Memoranda: | ||
| Average total assets | $277,641,000 | 2,344 |
| Average earning assets | $259,760,000 | 2,317 |
| Average equity | $35,301,500 | 2,069 |
| Average total loans | $189,652,000 | 2,277 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,305 |
| Cost of funding earning assets | 0.2663% | 4,404 |
| Net interest margin | 3.7048% | 2,674 |
| Noninterest income to average assets | 1.0146% | 1,101 |
| Noninterest expense to average assets | 2.8362% | 2,899 |
| Loan and lease loss provision to assets | 0.0007% | 4,325 |
| Net operating income to assets | 1.0006% | 2,353 |
| Return on assets (ROA) | 1.0006% | 2,455 |
| Pretax return on assets | 1.6428% | 1,159 |
| Return on Equity (ROE) | 7.8452% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.5223% | 2,687 |
| Net charge-offs to loans | 0.0153% | 3,783 |
| Credit loss provision to net charge-offs | 6.8966% | 3,757 |
| Earnings coverage of net charge-offs (x) | 153.3793% | 422 |
| Efficiency ratio | 62.0092% | 4,248 |
| Assets per employee ($millions) | 5.2608% | 2,104 |
| Cash dividends to net income (ytd only)* | 42.3560% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 591 |
| Loan loss allowance to noncurrent loans | 681.8815% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,498 |
| Noncurrent loans to loans | 0.3021% | 4,056 |
| Net loans and leases to total assets | 66.7506% | 2,964 |
| Net loans and leases to deposits | 98.9673% | 745 |
| Net loans and leases to core deposits | 103.5404% | 1,317 |
| Total domestic deposits to total assets | 67.4471% | 5,731 |
| Equity capital to assets | 12.5424% | 1,496 |
| Core capital (leverage) ratio | 11.8800% | 1,680 |
| Tier 1 risk-based capital ratio | 15.8857% | 2,596 |
| Total risk-based capital ratio | 17.1443% | 2,524 |
| Memoranda: | ||
| Average total assets | $270,643,600 | 2,357 |
| Average earning assets | $253,133,000 | 2,336 |
| Average equity | $34,517,800 | 2,109 |
| Average total loans | $189,046,000 | 2,218 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,241 |
| Cost of funding earning assets | 0.2683% | 4,406 |
| Net interest margin | 3.7285% | 2,599 |
| Noninterest income to average assets | 0.9302% | 1,313 |
| Noninterest expense to average assets | 2.8647% | 2,766 |
| Loan and lease loss provision to assets | 0.0010% | 4,181 |
| Net operating income to assets | 0.9948% | 2,458 |
| Return on assets (ROA) | 0.9948% | 2,597 |
| Pretax return on assets | 1.5557% | 1,520 |
| Return on Equity (ROE) | 7.7662% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.7662% | 1,275 |
| Net charge-offs to loans | 0.0134% | 3,484 |
| Credit loss provision to net charge-offs | 10.5263% | 3,368 |
| Earnings coverage of net charge-offs (x) | 165.0703% | 434 |
| Efficiency ratio | 63.4557% | 4,008 |
| Assets per employee ($millions) | 5.0945% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 675 |
| Loan loss allowance to noncurrent loans | 667.3469% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 3,830 |
| Noncurrent loans to loans | 0.3061% | 4,156 |
| Net loans and leases to total assets | 69.6934% | 2,536 |
| Net loans and leases to deposits | 99.7847% | 715 |
| Net loans and leases to core deposits | 104.2318% | 1,324 |
| Total domestic deposits to total assets | 69.8437% | 5,706 |
| Equity capital to assets | 13.1289% | 1,425 |
| Core capital (leverage) ratio | 12.2730% | 1,495 |
| Tier 1 risk-based capital ratio | 16.1232% | 2,574 |
| Total risk-based capital ratio | 17.3821% | 2,523 |
| Memoranda: | ||
| Average total assets | $268,598,750 | 2,386 |
| Average earning assets | $251,496,250 | 2,360 |
| Average equity | $34,404,500 | 2,124 |
| Average total loans | $188,800,000 | 2,221 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,417 |
| Cost of funding earning assets | 0.2690% | 4,452 |
| Net interest margin | 3.6832% | 2,763 |
| Noninterest income to average assets | 0.8712% | 1,466 |
| Noninterest expense to average assets | 2.8561% | 2,823 |
| Loan and lease loss provision to assets | 0.0015% | 4,003 |
| Net operating income to assets | 0.9376% | 2,693 |
| Return on assets (ROA) | 0.9376% | 2,829 |
| Pretax return on assets | 1.4560% | 1,818 |
| Return on Equity (ROE) | 7.3819% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.3819% | 1,439 |
| Net charge-offs to loans | 0.0117% | 3,310 |
| Credit loss provision to net charge-offs | 18.1818% | 2,938 |
| Earnings coverage of net charge-offs (x) | 177.6364% | 365 |
| Efficiency ratio | 64.8452% | 3,870 |
| Assets per employee ($millions) | 4.9494% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 680 |
| Loan loss allowance to noncurrent loans | 608.6687% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 3,677 |
| Noncurrent loans to loans | 0.3362% | 4,158 |
| Net loans and leases to total assets | 71.7471% | 2,216 |
| Net loans and leases to deposits | 99.2015% | 767 |
| Net loans and leases to core deposits | 103.9818% | 1,320 |
| Total domestic deposits to total assets | 72.3246% | 5,650 |
| Equity capital to assets | 13.2319% | 1,368 |
| Core capital (leverage) ratio | 11.8835% | 1,712 |
| Tier 1 risk-based capital ratio | 15.6073% | 2,821 |
| Total risk-based capital ratio | 16.8654% | 2,758 |
| Memoranda: | ||
| Average total assets | $268,129,330 | 2,403 |
| Average earning assets | $250,596,000 | 2,377 |
| Average equity | $34,056,330 | 2,145 |
| Average total loans | $187,699,670 | 2,237 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,650 |
| Cost of funding earning assets | 0.2657% | 4,543 |
| Net interest margin | 3.6167% | 3,017 |
| Noninterest income to average assets | 0.8486% | 1,448 |
| Noninterest expense to average assets | 2.8779% | 2,783 |
| Loan and lease loss provision to assets | 0.0030% | 3,631 |
| Net operating income to assets | 0.8560% | 2,966 |
| Return on assets (ROA) | 0.8560% | 3,083 |
| Pretax return on assets | 1.3430% | 2,123 |
| Return on Equity (ROE) | 6.8783% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.8783% | 1,948 |
| Net charge-offs to loans | 0.0237% | 2,460 |
| Credit loss provision to net charge-offs | 18.1818% | 2,311 |
| Earnings coverage of net charge-offs (x) | 82.9091% | 618 |
| Efficiency ratio | 66.7715% | 3,672 |
| Assets per employee ($millions) | 5.2460% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 647 |
| Loan loss allowance to noncurrent loans | 470.7784% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 3,504 |
| Noncurrent loans to loans | 0.4537% | 3,816 |
| Net loans and leases to total assets | 64.7848% | 3,138 |
| Net loans and leases to deposits | 91.5256% | 1,401 |
| Net loans and leases to core deposits | 95.8990% | 1,813 |
| Total domestic deposits to total assets | 70.7832% | 5,836 |
| Equity capital to assets | 12.2396% | 1,863 |
| Core capital (leverage) ratio | 11.6759% | 1,847 |
| Tier 1 risk-based capital ratio | 15.7449% | 2,811 |
| Total risk-based capital ratio | 17.0042% | 2,739 |
| Memoranda: | ||
| Average total assets | $271,034,000 | 2,377 |
| Average earning assets | $252,941,000 | 2,366 |
| Average equity | $33,729,500 | 2,161 |
| Average total loans | $185,480,000 | 2,259 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,047 |
| Cost of funding earning assets | 0.2822% | 4,465 |
| Net interest margin | 3.7837% | 2,431 |
| Noninterest income to average assets | 0.9209% | 1,375 |
| Noninterest expense to average assets | 2.8845% | 2,911 |
| Loan and lease loss provision to assets | 0.0015% | 4,358 |
| Net operating income to assets | 0.9775% | 2,478 |
| Return on assets (ROA) | 0.9775% | 2,558 |
| Pretax return on assets | 1.5546% | 1,389 |
| Return on Equity (ROE) | 7.8779% | 3,017 |
| Retained earnings to average equity (ytd only) | 4.0644% | 3,115 |
| Net charge-offs to loans | 0.0469% | 3,279 |
| Credit loss provision to net charge-offs | 4.4944% | 3,864 |
| Earnings coverage of net charge-offs (x) | 46.6292% | 1,052 |
| Efficiency ratio | 63.6156% | 4,350 |
| Assets per employee ($millions) | 4.8005% | 2,603 |
| Cash dividends to net income (ytd only)* | 48.4081% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 679 |
| Loan loss allowance to noncurrent loans | 637.7023% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 3,743 |
| Noncurrent loans to loans | 0.3307% | 4,275 |
| Net loans and leases to total assets | 69.2958% | 2,489 |
| Net loans and leases to deposits | 99.1186% | 744 |
| Net loans and leases to core deposits | 102.8749% | 1,303 |
| Total domestic deposits to total assets | 69.9120% | 5,901 |
| Equity capital to assets | 12.6607% | 1,527 |
| Core capital (leverage) ratio | 11.9417% | 1,657 |
| Tier 1 risk-based capital ratio | 15.5835% | 2,890 |
| Total risk-based capital ratio | 16.8428% | 2,820 |
| Memoranda: | ||
| Average total assets | $266,696,800 | 2,370 |
| Average earning assets | $248,091,200 | 2,357 |
| Average equity | $33,092,600 | 2,142 |
| Average total loans | $189,671,200 | 2,159 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,122 |
| Cost of funding earning assets | 0.2925% | 4,424 |
| Net interest margin | 3.7614% | 2,522 |
| Noninterest income to average assets | 0.9355% | 1,353 |
| Noninterest expense to average assets | 2.8300% | 3,073 |
| Loan and lease loss provision to assets | 0.0020% | 4,204 |
| Net operating income to assets | 1.0777% | 2,105 |
| Return on assets (ROA) | 1.0777% | 2,187 |
| Pretax return on assets | 1.6053% | 1,366 |
| Return on Equity (ROE) | 8.7288% | 2,719 |
| Retained earnings to average equity (ytd only) | 7.9209% | 1,269 |
| Net charge-offs to loans | 0.0609% | 2,728 |
| Credit loss provision to net charge-offs | 4.5977% | 3,493 |
| Earnings coverage of net charge-offs (x) | 37.0451% | 1,315 |
| Efficiency ratio | 62.4410% | 4,505 |
| Assets per employee ($millions) | 4.4938% | 3,019 |
| Cash dividends to net income (ytd only)* | 9.2550% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0340% | 872 |
| Loan loss allowance to noncurrent loans | 278.8543% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 2,495 |
| Noncurrent loans to loans | 0.7294% | 3,146 |
| Net loans and leases to total assets | 74.1401% | 1,713 |
| Net loans and leases to deposits | 107.2012% | 325 |
| Net loans and leases to core deposits | 112.0103% | 762 |
| Total domestic deposits to total assets | 69.1597% | 6,001 |
| Equity capital to assets | 13.2973% | 1,310 |
| Core capital (leverage) ratio | 12.0447% | 1,650 |
| Tier 1 risk-based capital ratio | 15.3178% | 3,132 |
| Total risk-based capital ratio | 16.5761% | 3,056 |
| Memoranda: | ||
| Average total assets | $267,363,750 | 2,380 |
| Average earning assets | $248,907,000 | 2,367 |
| Average equity | $33,008,750 | 2,161 |
| Average total loans | $190,363,500 | 2,171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,385 |
| Cost of funding earning assets | 0.3013% | 4,384 |
| Net interest margin | 3.6757% | 2,811 |
| Noninterest income to average assets | 0.9081% | 1,419 |
| Noninterest expense to average assets | 2.7805% | 3,313 |
| Loan and lease loss provision to assets | 0.0015% | 4,057 |
| Net operating income to assets | 1.0328% | 2,210 |
| Return on assets (ROA) | 1.0328% | 2,331 |
| Pretax return on assets | 1.5463% | 1,501 |
| Return on Equity (ROE) | 8.5737% | 2,761 |
| Retained earnings to average equity (ytd only) | 7.3489% | 1,547 |
| Net charge-offs to loans | 0.0180% | 3,338 |
| Credit loss provision to net charge-offs | 11.7647% | 3,085 |
| Earnings coverage of net charge-offs (x) | 123.4118% | 510 |
| Efficiency ratio | 62.8942% | 4,536 |
| Assets per employee ($millions) | 4.7783% | 2,575 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 873 |
| Loan loss allowance to noncurrent loans | 254.5051% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 2,573 |
| Noncurrent loans to loans | 0.8192% | 3,074 |
| Net loans and leases to total assets | 71.6781% | 2,048 |
| Net loans and leases to deposits | 104.4254% | 429 |
| Net loans and leases to core deposits | 109.0203% | 893 |
| Total domestic deposits to total assets | 68.6405% | 6,092 |
| Equity capital to assets | 12.6694% | 1,568 |
| Core capital (leverage) ratio | 11.5221% | 1,975 |
| Tier 1 risk-based capital ratio | 14.9949% | 3,359 |
| Total risk-based capital ratio | 16.2549% | 3,287 |
| Memoranda: | ||
| Average total assets | $271,102,000 | 2,359 |
| Average earning assets | $252,254,330 | 2,355 |
| Average equity | $32,658,000 | 2,188 |
| Average total loans | $189,200,670 | 2,188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,640 |
| Cost of funding earning assets | 0.3058% | 4,376 |
| Net interest margin | 3.5898% | 3,050 |
| Noninterest income to average assets | 0.9286% | 1,308 |
| Noninterest expense to average assets | 2.7597% | 3,387 |
| Loan and lease loss provision to assets | 0.0015% | 3,694 |
| Net operating income to assets | 0.9882% | 2,317 |
| Return on assets (ROA) | 0.9882% | 2,444 |
| Pretax return on assets | 1.5114% | 1,528 |
| Return on Equity (ROE) | 8.4109% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.9371% | 2,535 |
| Net charge-offs to loans | 0.0362% | 2,486 |
| Credit loss provision to net charge-offs | 5.8824% | 2,459 |
| Earnings coverage of net charge-offs (x) | 61.2353% | 724 |
| Efficiency ratio | 63.2313% | 4,596 |
| Assets per employee ($millions) | 4.9874% | 2,373 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 867 |
| Loan loss allowance to noncurrent loans | 340.6967% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 3,046 |
| Noncurrent loans to loans | 0.6282% | 3,702 |
| Net loans and leases to total assets | 68.0797% | 2,425 |
| Net loans and leases to deposits | 102.0232% | 454 |
| Net loans and leases to core deposits | 107.1808% | 862 |
| Total domestic deposits to total assets | 66.7297% | 6,230 |
| Equity capital to assets | 12.0969% | 1,958 |
| Core capital (leverage) ratio | 11.0741% | 2,343 |
| Tier 1 risk-based capital ratio | 14.0298% | 3,983 |
| Total risk-based capital ratio | 15.2878% | 3,904 |
| Memoranda: | ||
| Average total assets | $275,249,500 | 2,348 |
| Average earning assets | $256,395,000 | 2,337 |
| Average equity | $32,339,000 | 2,219 |
| Average total loans | $187,608,000 | 2,207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 2,990 |
| Cost of funding earning assets | 0.3455% | 4,297 |
| Net interest margin | 3.8418% | 2,458 |
| Noninterest income to average assets | 0.8963% | 1,512 |
| Noninterest expense to average assets | 2.8185% | 3,416 |
| Loan and lease loss provision to assets | 0.0012% | 4,585 |
| Net operating income to assets | 1.0113% | 2,330 |
| Return on assets (ROA) | 1.0113% | 2,410 |
| Pretax return on assets | 1.6588% | 1,077 |
| Return on Equity (ROE) | 8.0691% | 3,095 |
| Retained earnings to average equity (ytd only) | 3.6324% | 3,636 |
| Net charge-offs to loans | 0.0897% | 3,209 |
| Credit loss provision to net charge-offs | 1.7964% | 4,189 |
| Earnings coverage of net charge-offs (x) | 25.2395% | 1,504 |
| Efficiency ratio | 61.7218% | 4,951 |
| Assets per employee ($millions) | 5.5134% | 1,757 |
| Cash dividends to net income (ytd only)* | 54.9844% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1431% | 893 |
| Loan loss allowance to noncurrent loans | 304.3084% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 3,107 |
| Noncurrent loans to loans | 0.7043% | 3,568 |
| Net loans and leases to total assets | 65.3775% | 2,994 |
| Net loans and leases to deposits | 99.5403% | 649 |
| Net loans and leases to core deposits | 106.1939% | 1,008 |
| Total domestic deposits to total assets | 65.6794% | 6,333 |
| Equity capital to assets | 11.4158% | 2,501 |
| Core capital (leverage) ratio | 11.4563% | 2,005 |
| Tier 1 risk-based capital ratio | 13.8588% | 4,204 |
| Total risk-based capital ratio | 15.1175% | 4,132 |
| Memoranda: | ||
| Average total assets | $253,925,600 | 2,489 |
| Average earning assets | $236,764,200 | 2,449 |
| Average equity | $31,825,000 | 2,173 |
| Average total loans | $186,110,400 | 2,157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,606 |
| Cost of funding earning assets | 0.3559% | 4,277 |
| Net interest margin | 3.9502% | 2,037 |
| Noninterest income to average assets | 0.9361% | 1,404 |
| Noninterest expense to average assets | 2.8192% | 3,387 |
| Loan and lease loss provision to assets | 0.0016% | 4,377 |
| Net operating income to assets | 1.0689% | 2,157 |
| Return on assets (ROA) | 1.0689% | 2,228 |
| Pretax return on assets | 1.8043% | 886 |
| Return on Equity (ROE) | 8.3173% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.8478% | 1,904 |
| Net charge-offs to loans | 0.1163% | 2,638 |
| Credit loss provision to net charge-offs | 1.8519% | 3,789 |
| Earnings coverage of net charge-offs (x) | 20.6610% | 1,720 |
| Efficiency ratio | 59.6710% | 5,228 |
| Assets per employee ($millions) | 4.8266% | 2,485 |
| Cash dividends to net income (ytd only)* | 17.6680% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,024 |
| Loan loss allowance to noncurrent loans | 386.9482% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 3,281 |
| Noncurrent loans to loans | 0.5554% | 4,256 |
| Net loans and leases to total assets | 73.1494% | 1,656 |
| Net loans and leases to deposits | 109.2316% | 238 |
| Net loans and leases to core deposits | 117.8497% | 440 |
| Total domestic deposits to total assets | 66.9672% | 6,380 |
| Equity capital to assets | 12.9787% | 1,435 |
| Core capital (leverage) ratio | 12.1743% | 1,591 |
| Tier 1 risk-based capital ratio | 14.9127% | 3,641 |
| Total risk-based capital ratio | 16.1721% | 3,563 |
| Memoranda: | ||
| Average total assets | $247,111,750 | 2,564 |
| Average earning assets | $230,768,500 | 2,531 |
| Average equity | $31,756,500 | 2,189 |
| Average total loans | $185,674,250 | 2,172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,488 |
| Cost of funding earning assets | 0.3548% | 4,381 |
| Net interest margin | 3.9731% | 1,895 |
| Noninterest income to average assets | 0.8982% | 1,498 |
| Noninterest expense to average assets | 2.7996% | 3,512 |
| Loan and lease loss provision to assets | 0.0008% | 4,192 |
| Net operating income to assets | 1.0821% | 2,003 |
| Return on assets (ROA) | 1.0821% | 2,068 |
| Pretax return on assets | 1.8054% | 835 |
| Return on Equity (ROE) | 8.4487% | 2,865 |
| Retained earnings to average equity (ytd only) | 7.3371% | 1,592 |
| Net charge-offs to loans | 0.1600% | 2,112 |
| Credit loss provision to net charge-offs | 0.6757% | 3,397 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,880 |
| Efficiency ratio | 59.3535% | 5,379 |
| Assets per employee ($millions) | 4.7020% | 2,604 |
| Cash dividends to net income (ytd only)* | 13.1579% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 1,033 |
| Loan loss allowance to noncurrent loans | 355.2724% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 3,232 |
| Noncurrent loans to loans | 0.6179% | 4,172 |
| Net loans and leases to total assets | 73.6705% | 1,480 |
| Net loans and leases to deposits | 106.3279% | 294 |
| Net loans and leases to core deposits | 115.3454% | 495 |
| Total domestic deposits to total assets | 69.2861% | 6,382 |
| Equity capital to assets | 13.1273% | 1,308 |
| Core capital (leverage) ratio | 12.1577% | 1,568 |
| Tier 1 risk-based capital ratio | 15.0106% | 3,636 |
| Total risk-based capital ratio | 16.2689% | 3,573 |
| Memoranda: | ||
| Average total assets | $245,822,000 | 2,580 |
| Average earning assets | $229,394,330 | 2,552 |
| Average equity | $31,484,000 | 2,191 |
| Average total loans | $185,024,670 | 2,177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,488 |
| Cost of funding earning assets | 0.3558% | 4,481 |
| Net interest margin | 3.9538% | 1,913 |
| Noninterest income to average assets | 0.8228% | 1,661 |
| Noninterest expense to average assets | 2.7913% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0451% | 2,026 |
| Return on assets (ROA) | 1.0451% | 2,099 |
| Pretax return on assets | 1.7283% | 918 |
| Return on Equity (ROE) | 8.2624% | 2,810 |
| Retained earnings to average equity (ytd only) | 6.0172% | 2,531 |
| Net charge-offs to loans | 0.0755% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 30.4286% | 1,046 |
| Efficiency ratio | 60.1077% | 5,392 |
| Assets per employee ($millions) | 4.8335% | 2,463 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 1,107 |
| Loan loss allowance to noncurrent loans | 858.4711% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 3,660 |
| Noncurrent loans to loans | 0.2609% | 5,318 |
| Net loans and leases to total assets | 73.5611% | 1,334 |
| Net loans and leases to deposits | 108.8289% | 172 |
| Net loans and leases to core deposits | 117.9531% | 365 |
| Total domestic deposits to total assets | 67.5933% | 6,526 |
| Equity capital to assets | 12.7428% | 1,435 |
| Core capital (leverage) ratio | 11.8182% | 1,754 |
| Tier 1 risk-based capital ratio | 14.5096% | 4,003 |
| Total risk-based capital ratio | 15.7699% | 3,952 |
| Memoranda: | ||
| Average total assets | $246,480,500 | 2,587 |
| Average earning assets | $230,464,500 | 2,548 |
| Average equity | $31,177,500 | 2,206 |
| Average total loans | $185,451,500 | 2,180 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 2,478 |
| Cost of funding earning assets | 0.3851% | 4,800 |
| Net interest margin | 4.0432% | 1,829 |
| Noninterest income to average assets | 0.9136% | 1,636 |
| Noninterest expense to average assets | 2.7686% | 3,842 |
| Loan and lease loss provision to assets | 0.0962% | 3,198 |
| Net operating income to assets | 1.1249% | 1,853 |
| Return on assets (ROA) | 1.1249% | 1,917 |
| Pretax return on assets | 1.8180% | 726 |
| Return on Equity (ROE) | 9.1746% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.0124% | 2,586 |
| Net charge-offs to loans | 0.7045% | 916 |
| Credit loss provision to net charge-offs | 18.0241% | 4,483 |
| Earnings coverage of net charge-offs (x) | 3.5867% | 3,818 |
| Efficiency ratio | 57.5333% | 5,789 |
| Assets per employee ($millions) | 5.0297% | 2,150 |
| Cash dividends to net income (ytd only)* | 45.3667% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2598% | 1,094 |
| Loan loss allowance to noncurrent loans | 1,071.6113% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 3,863 |
| Noncurrent loans to loans | 0.2109% | 5,548 |
| Net loans and leases to total assets | 73.5329% | 1,429 |
| Net loans and leases to deposits | 103.9301% | 325 |
| Net loans and leases to core deposits | 112.2227% | 528 |
| Total domestic deposits to total assets | 70.7522% | 6,489 |
| Equity capital to assets | 12.5553% | 1,489 |
| Core capital (leverage) ratio | 11.7545% | 1,789 |
| Tier 1 risk-based capital ratio | 14.2183% | 4,141 |
| Total risk-based capital ratio | 15.4788% | 4,075 |
| Memoranda: | ||
| Average total assets | $248,465,200 | 2,543 |
| Average earning assets | $231,624,600 | 2,504 |
| Average equity | $30,464,600 | 2,228 |
| Average total loans | $188,208,000 | 2,121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 2,415 |
| Cost of funding earning assets | 0.3913% | 4,896 |
| Net interest margin | 4.0598% | 1,758 |
| Noninterest income to average assets | 1.0196% | 1,397 |
| Noninterest expense to average assets | 2.7687% | 3,766 |
| Loan and lease loss provision to assets | 0.0669% | 3,714 |
| Net operating income to assets | 1.1862% | 1,677 |
| Return on assets (ROA) | 1.1862% | 1,750 |
| Pretax return on assets | 1.9675% | 618 |
| Return on Equity (ROE) | 9.7323% | 2,289 |
| Retained earnings to average equity (ytd only) | 8.1944% | 1,339 |
| Net charge-offs to loans | 0.5251% | 1,224 |
| Credit loss provision to net charge-offs | 16.8011% | 4,117 |
| Earnings coverage of net charge-offs (x) | 5.1062% | 3,280 |
| Efficiency ratio | 56.0932% | 5,890 |
| Assets per employee ($millions) | 4.9883% | 2,177 |
| Cash dividends to net income (ytd only)* | 15.8015% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4926% | 943 |
| Loan loss allowance to noncurrent loans | 530.4100% | 840 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 3,642 |
| Noncurrent loans to loans | 0.4699% | 5,017 |
| Net loans and leases to total assets | 73.0403% | 1,446 |
| Net loans and leases to deposits | 105.4339% | 253 |
| Net loans and leases to core deposits | 113.9235% | 451 |
| Total domestic deposits to total assets | 69.2760% | 6,626 |
| Equity capital to assets | 12.5420% | 1,559 |
| Core capital (leverage) ratio | 11.7852% | 1,827 |
| Tier 1 risk-based capital ratio | 14.2422% | 4,260 |
| Total risk-based capital ratio | 15.5103% | 4,191 |
| Memoranda: | ||
| Average total assets | $248,968,250 | 2,557 |
| Average earning assets | $232,023,250 | 2,514 |
| Average equity | $30,345,000 | 2,252 |
| Average total loans | $188,906,500 | 2,111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 2,264 |
| Cost of funding earning assets | 0.3971% | 4,972 |
| Net interest margin | 4.0862% | 1,582 |
| Noninterest income to average assets | 1.1052% | 1,241 |
| Noninterest expense to average assets | 2.7651% | 3,799 |
| Loan and lease loss provision to assets | 0.1005% | 3,114 |
| Net operating income to assets | 1.2467% | 1,471 |
| Return on assets (ROA) | 1.2467% | 1,562 |
| Pretax return on assets | 2.0441% | 552 |
| Return on Equity (ROE) | 10.3288% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.1634% | 1,069 |
| Net charge-offs to loans | 0.6002% | 1,101 |
| Credit loss provision to net charge-offs | 21.9684% | 3,697 |
| Earnings coverage of net charge-offs (x) | 4.6889% | 3,065 |
| Efficiency ratio | 54.7970% | 6,073 |
| Assets per employee ($millions) | 4.9855% | 2,132 |
| Cash dividends to net income (ytd only)* | 11.2830% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5330% | 954 |
| Loan loss allowance to noncurrent loans | 398.1054% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1929% | 3,362 |
| Noncurrent loans to loans | 0.6363% | 4,668 |
| Net loans and leases to total assets | 76.1274% | 976 |
| Net loans and leases to deposits | 110.5234% | 136 |
| Net loans and leases to core deposits | 119.9180% | 317 |
| Total domestic deposits to total assets | 68.8789% | 6,697 |
| Equity capital to assets | 12.6044% | 1,517 |
| Core capital (leverage) ratio | 11.5566% | 1,891 |
| Tier 1 risk-based capital ratio | 13.8499% | 4,525 |
| Total risk-based capital ratio | 15.1141% | 4,487 |
| Memoranda: | ||
| Average total assets | $248,818,670 | 2,566 |
| Average earning assets | $231,658,330 | 2,524 |
| Average equity | $30,032,670 | 2,271 |
| Average total loans | $189,598,000 | 2,105 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 2,188 |
| Cost of funding earning assets | 0.4049% | 5,055 |
| Net interest margin | 4.0903% | 1,486 |
| Noninterest income to average assets | 0.9925% | 1,480 |
| Noninterest expense to average assets | 2.8835% | 3,403 |
| Loan and lease loss provision to assets | 0.1991% | 1,868 |
| Net operating income to assets | 1.0387% | 2,077 |
| Return on assets (ROA) | 1.0387% | 2,186 |
| Pretax return on assets | 1.7078% | 1,054 |
| Return on Equity (ROE) | 8.7949% | 2,585 |
| Retained earnings to average equity (ytd only) | 6.4073% | 2,452 |
| Net charge-offs to loans | 1.2106% | 479 |
| Credit loss provision to net charge-offs | 21.8531% | 3,010 |
| Earnings coverage of net charge-offs (x) | 2.0927% | 3,132 |
| Efficiency ratio | 58.6631% | 5,761 |
| Assets per employee ($millions) | 5.0411% | 2,159 |
| Cash dividends to net income (ytd only)* | 27.1472% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5859% | 1,025 |
| Loan loss allowance to noncurrent loans | 529.0252% | 815 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 3,462 |
| Noncurrent loans to loans | 0.4888% | 5,207 |
| Net loans and leases to total assets | 73.6595% | 1,125 |
| Net loans and leases to deposits | 106.3929% | 192 |
| Net loans and leases to core deposits | 115.4176% | 363 |
| Total domestic deposits to total assets | 69.2334% | 6,776 |
| Equity capital to assets | 12.1009% | 1,974 |
| Core capital (leverage) ratio | 10.9696% | 2,290 |
| Tier 1 risk-based capital ratio | 13.4581% | 4,904 |
| Total risk-based capital ratio | 14.7225% | 4,855 |
| Memoranda: | ||
| Average total assets | $251,084,000 | 2,569 |
| Average earning assets | $233,135,500 | 2,539 |
| Average equity | $29,653,500 | 2,326 |
| Average total loans | $188,995,500 | 2,125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 2,005 |
| Cost of funding earning assets | 0.5156% | 5,106 |
| Net interest margin | 4.3386% | 1,309 |
| Noninterest income to average assets | 1.2059% | 1,083 |
| Noninterest expense to average assets | 2.7255% | 4,304 |
| Loan and lease loss provision to assets | 0.7985% | 609 |
| Net operating income to assets | 1.0486% | 2,131 |
| Return on assets (ROA) | 1.0486% | 2,325 |
| Pretax return on assets | 1.7014% | 1,135 |
| Return on Equity (ROE) | 8.7832% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,398 |
| Net charge-offs to loans | 0.3957% | 2,670 |
| Credit loss provision to net charge-offs | 254.8217% | 945 |
| Earnings coverage of net charge-offs (x) | 7.9775% | 2,502 |
| Efficiency ratio | 50.6932% | 6,543 |
| Assets per employee ($millions) | 5.1031% | 2,095 |
| Cash dividends to net income (ytd only)* | 37.7023% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7598% | 864 |
| Loan loss allowance to noncurrent loans | 356.7951% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 3,225 |
| Noncurrent loans to loans | 0.7735% | 4,635 |
| Net loans and leases to total assets | 72.8716% | 1,358 |
| Net loans and leases to deposits | 105.0332% | 238 |
| Net loans and leases to core deposits | 114.0937% | 416 |
| Total domestic deposits to total assets | 69.3795% | 6,808 |
| Equity capital to assets | 11.5288% | 2,417 |
| Core capital (leverage) ratio | 11.0768% | 2,189 |
| Tier 1 risk-based capital ratio | 12.9533% | 5,141 |
| Total risk-based capital ratio | 14.2194% | 5,068 |
| Memoranda: | ||
| Average total assets | $241,569,000 | 2,619 |
| Average earning assets | $223,803,400 | 2,578 |
| Average equity | $28,839,000 | 2,334 |
| Average total loans | $191,299,400 | 2,083 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 1,912 |
| Cost of funding earning assets | 0.5387% | 5,172 |
| Net interest margin | 4.3885% | 1,228 |
| Noninterest income to average assets | 1.2388% | 974 |
| Noninterest expense to average assets | 2.7570% | 4,151 |
| Loan and lease loss provision to assets | 0.7042% | 723 |
| Net operating income to assets | 1.1308% | 1,979 |
| Return on assets (ROA) | 1.1308% | 2,176 |
| Pretax return on assets | 1.8502% | 958 |
| Return on Equity (ROE) | 9.3859% | 2,641 |
| Retained earnings to average equity (ytd only) | 7.7596% | 1,721 |
| Net charge-offs to loans | 0.1408% | 3,992 |
| Credit loss provision to net charge-offs | 622.7723% | 432 |
| Earnings coverage of net charge-offs (x) | 22.5888% | 1,350 |
| Efficiency ratio | 50.4532% | 6,553 |
| Assets per employee ($millions) | 5.0633% | 2,102 |
| Cash dividends to net income (ytd only)* | 17.3269% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6478% | 1,037 |
| Loan loss allowance to noncurrent loans | 262.2967% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7110% | 3,030 |
| Noncurrent loans to loans | 1.0095% | 4,432 |
| Net loans and leases to total assets | 76.4988% | 895 |
| Net loans and leases to deposits | 112.1448% | 131 |
| Net loans and leases to core deposits | 122.8606% | 266 |
| Total domestic deposits to total assets | 68.2143% | 6,912 |
| Equity capital to assets | 11.8935% | 2,357 |
| Core capital (leverage) ratio | 11.5649% | 1,941 |
| Tier 1 risk-based capital ratio | 12.9326% | 5,304 |
| Total risk-based capital ratio | 14.1980% | 5,259 |
| Memoranda: | ||
| Average total assets | $238,173,000 | 2,674 |
| Average earning assets | $221,027,750 | 2,627 |
| Average equity | $28,694,750 | 2,357 |
| Average total loans | $191,321,500 | 2,106 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 1,609 |
| Cost of funding earning assets | 0.5756% | 5,112 |
| Net interest margin | 4.4904% | 1,009 |
| Noninterest income to average assets | 1.2152% | 971 |
| Noninterest expense to average assets | 2.7872% | 4,064 |
| Loan and lease loss provision to assets | 0.6387% | 901 |
| Net operating income to assets | 1.1913% | 1,744 |
| Return on assets (ROA) | 1.1913% | 1,941 |
| Pretax return on assets | 1.9416% | 782 |
| Return on Equity (ROE) | 9.8439% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.6055% | 1,411 |
| Net charge-offs to loans | 0.0484% | 4,720 |
| Credit loss provision to net charge-offs | 1,630.4348% | 199 |
| Earnings coverage of net charge-offs (x) | 65.8696% | 593 |
| Efficiency ratio | 50.4680% | 6,608 |
| Assets per employee ($millions) | 4.6018% | 2,725 |
| Cash dividends to net income (ytd only)* | 12.5804% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5503% | 1,213 |
| Loan loss allowance to noncurrent loans | 269.1102% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7658% | 3,083 |
| Noncurrent loans to loans | 0.9477% | 4,614 |
| Net loans and leases to total assets | 79.8615% | 528 |
| Net loans and leases to deposits | 108.7340% | 168 |
| Net loans and leases to core deposits | 120.3798% | 306 |
| Total domestic deposits to total assets | 73.4467% | 6,714 |
| Equity capital to assets | 12.6306% | 1,734 |
| Core capital (leverage) ratio | 11.5273% | 1,886 |
| Tier 1 risk-based capital ratio | 13.1598% | 5,073 |
| Total risk-based capital ratio | 14.4233% | 5,036 |
| Memoranda: | ||
| Average total assets | $234,863,330 | 2,711 |
| Average earning assets | $217,176,670 | 2,680 |
| Average equity | $28,423,670 | 2,358 |
| Average total loans | $190,109,670 | 2,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 1,639 |
| Cost of funding earning assets | 0.6162% | 5,002 |
| Net interest margin | 4.4631% | 1,079 |
| Noninterest income to average assets | 1.1869% | 1,017 |
| Noninterest expense to average assets | 2.7819% | 4,118 |
| Loan and lease loss provision to assets | 0.5479% | 1,077 |
| Net operating income to assets | 1.1971% | 1,746 |
| Return on assets (ROA) | 1.1971% | 1,928 |
| Pretax return on assets | 1.9726% | 774 |
| Return on Equity (ROE) | 10.1051% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.6144% | 2,120 |
| Net charge-offs to loans | -0.0084% | 5,898 |
| Credit loss provision to net charge-offs | -8,125.0000% | 6,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0016% | 6,610 |
| Assets per employee ($millions) | 4.7386% | 2,604 |
| Cash dividends to net income (ytd only)* | 24.6479% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3369% | 1,613 |
| Loan loss allowance to noncurrent loans | 246.0599% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 3,034 |
| Noncurrent loans to loans | 0.9497% | 4,777 |
| Net loans and leases to total assets | 79.8076% | 426 |
| Net loans and leases to deposits | 106.2394% | 202 |
| Net loans and leases to core deposits | 119.6325% | 317 |
| Total domestic deposits to total assets | 75.1205% | 6,630 |
| Equity capital to assets | 12.2193% | 1,902 |
| Core capital (leverage) ratio | 10.9310% | 2,313 |
| Tier 1 risk-based capital ratio | 12.6280% | 5,496 |
| Total risk-based capital ratio | 13.8880% | 5,454 |
| Memoranda: | ||
| Average total assets | $237,249,000 | 2,699 |
| Average earning assets | $218,773,500 | 2,667 |
| Average equity | $28,104,500 | 2,382 |
| Average total loans | $190,882,500 | 2,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 1,978 |
| Cost of funding earning assets | 0.8950% | 4,161 |
| Net interest margin | 4.3270% | 1,617 |
| Noninterest income to average assets | 0.8206% | 1,961 |
| Noninterest expense to average assets | 2.7571% | 4,521 |
| Loan and lease loss provision to assets | 1.0373% | 905 |
| Net operating income to assets | 0.6156% | 3,916 |
| Return on assets (ROA) | 0.6156% | 4,110 |
| Pretax return on assets | 1.0179% | 3,173 |
| Return on Equity (ROE) | 5.2609% | 4,271 |
| Retained earnings to average equity (ytd only) | 2.2639% | 4,598 |
| Net charge-offs to loans | 0.5934% | 2,669 |
| Credit loss provision to net charge-offs | 216.1092% | 1,132 |
| Earnings coverage of net charge-offs (x) | 4.2817% | 3,181 |
| Efficiency ratio | 55.6677% | 6,356 |
| Assets per employee ($millions) | 4.9450% | 2,283 |
| Cash dividends to net income (ytd only)* | 56.9664% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 1,917 |
| Loan loss allowance to noncurrent loans | 272.2149% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 1.7082% | 3,386 |
| Noncurrent loans to loans | 0.7853% | 5,113 |
| Net loans and leases to total assets | 77.5545% | 763 |
| Net loans and leases to deposits | 102.8014% | 342 |
| Net loans and leases to core deposits | 116.0702% | 446 |
| Total domestic deposits to total assets | 75.4411% | 6,545 |
| Equity capital to assets | 11.4883% | 2,515 |
| Core capital (leverage) ratio | 10.6385% | 2,571 |
| Tier 1 risk-based capital ratio | 12.0360% | 5,813 |
| Total risk-based capital ratio | 13.2932% | 5,787 |
| Memoranda: | ||
| Average total assets | $236,664,000 | 2,669 |
| Average earning assets | $218,327,800 | 2,630 |
| Average equity | $27,695,000 | 2,347 |
| Average total loans | $191,430,000 | 2,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 1,930 |
| Cost of funding earning assets | 0.9644% | 3,933 |
| Net interest margin | 4.3192% | 1,645 |
| Noninterest income to average assets | 0.7453% | 2,341 |
| Noninterest expense to average assets | 2.7408% | 4,577 |
| Loan and lease loss provision to assets | 0.9176% | 968 |
| Net operating income to assets | 0.6858% | 3,690 |
| Return on assets (ROA) | 0.6858% | 3,862 |
| Pretax return on assets | 1.0797% | 3,097 |
| Return on Equity (ROE) | 5.8327% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.7840% | 4,047 |
| Net charge-offs to loans | 0.7793% | 1,998 |
| Credit loss provision to net charge-offs | 144.8122% | 2,189 |
| Earnings coverage of net charge-offs (x) | 3.1521% | 3,559 |
| Efficiency ratio | 56.1842% | 6,257 |
| Assets per employee ($millions) | 4.7337% | 2,579 |
| Cash dividends to net income (ytd only)* | 35.1239% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 3,250 |
| Loan loss allowance to noncurrent loans | 160.1852% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 2.2298% | 2,858 |
| Noncurrent loans to loans | 1.0643% | 4,786 |
| Net loans and leases to total assets | 81.7022% | 383 |
| Net loans and leases to deposits | 107.0430% | 228 |
| Net loans and leases to core deposits | 118.6900% | 425 |
| Total domestic deposits to total assets | 76.3266% | 6,486 |
| Equity capital to assets | 12.0697% | 2,201 |
| Core capital (leverage) ratio | 10.7630% | 2,601 |
| Tier 1 risk-based capital ratio | 12.0924% | 5,826 |
| Total risk-based capital ratio | 13.3449% | 5,817 |
| Memoranda: | ||
| Average total assets | $235,253,250 | 2,687 |
| Average earning assets | $217,475,250 | 2,658 |
| Average equity | $27,659,500 | 2,352 |
| Average total loans | $191,281,250 | 2,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 2,210 |
| Cost of funding earning assets | 1.0053% | 3,916 |
| Net interest margin | 4.2078% | 2,005 |
| Noninterest income to average assets | 0.7963% | 2,036 |
| Noninterest expense to average assets | 2.7298% | 4,707 |
| Loan and lease loss provision to assets | 0.5272% | 1,853 |
| Net operating income to assets | 0.8487% | 2,863 |
| Return on assets (ROA) | 0.8487% | 2,958 |
| Pretax return on assets | 1.4284% | 1,727 |
| Return on Equity (ROE) | 7.2820% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.4670% | 2,707 |
| Net charge-offs to loans | 0.1856% | 4,049 |
| Credit loss provision to net charge-offs | 351.9774% | 875 |
| Earnings coverage of net charge-offs (x) | 13.0565% | 1,583 |
| Efficiency ratio | 56.5830% | 6,348 |
| Assets per employee ($millions) | 4.6265% | 2,651 |
| Cash dividends to net income (ytd only)* | 24.9252% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 3,367 |
| Loan loss allowance to noncurrent loans | 105.2786% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 2.5445% | 2,630 |
| Noncurrent loans to loans | 1.6036% | 3,986 |
| Net loans and leases to total assets | 81.3374% | 422 |
| Net loans and leases to deposits | 106.5733% | 247 |
| Net loans and leases to core deposits | 119.7893% | 424 |
| Total domestic deposits to total assets | 76.3207% | 6,556 |
| Equity capital to assets | 12.0887% | 2,037 |
| Core capital (leverage) ratio | 10.8209% | 2,400 |
| Tier 1 risk-based capital ratio | 12.1351% | 5,678 |
| Total risk-based capital ratio | 13.3873% | 5,653 |
| Memoranda: | ||
| Average total assets | $236,353,670 | 2,690 |
| Average earning assets | $218,452,000 | 2,664 |
| Average equity | $27,547,330 | 2,344 |
| Average total loans | $190,776,000 | 2,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 2,547 |
| Cost of funding earning assets | 1.0410% | 3,913 |
| Net interest margin | 4.0808% | 2,344 |
| Noninterest income to average assets | 0.7803% | 2,111 |
| Noninterest expense to average assets | 2.7295% | 4,721 |
| Loan and lease loss provision to assets | 0.4237% | 2,072 |
| Net operating income to assets | 0.8473% | 2,790 |
| Return on assets (ROA) | 0.8473% | 2,849 |
| Pretax return on assets | 1.4016% | 1,720 |
| Return on Equity (ROE) | 7.4033% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.7456% | 3,924 |
| Net charge-offs to loans | 0.1743% | 3,448 |
| Credit loss provision to net charge-offs | 304.8193% | 1,055 |
| Earnings coverage of net charge-offs (x) | 13.1325% | 1,457 |
| Efficiency ratio | 58.2353% | 6,238 |
| Assets per employee ($millions) | 4.6817% | 2,601 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,917 |
| Loan loss allowance to noncurrent loans | 85.7557% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 2.7622% | 2,501 |
| Noncurrent loans to loans | 1.8189% | 3,803 |
| Net loans and leases to total assets | 79.6925% | 540 |
| Net loans and leases to deposits | 106.6903% | 235 |
| Net loans and leases to core deposits | 118.7832% | 449 |
| Total domestic deposits to total assets | 74.6952% | 6,833 |
| Equity capital to assets | 11.7337% | 2,096 |
| Core capital (leverage) ratio | 10.4329% | 2,671 |
| Tier 1 risk-based capital ratio | 11.9105% | 5,767 |
| Total risk-based capital ratio | 13.1610% | 5,763 |
| Memoranda: | ||
| Average total assets | $238,868,500 | 2,680 |
| Average earning assets | $220,936,000 | 2,649 |
| Average equity | $27,339,000 | 2,347 |
| Average total loans | $190,472,000 | 2,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5085% | 2,245 |
| Cost of funding earning assets | 1.3160% | 3,781 |
| Net interest margin | 4.1925% | 2,215 |
| Noninterest income to average assets | 1.0190% | 1,444 |
| Noninterest expense to average assets | 2.6871% | 5,044 |
| Loan and lease loss provision to assets | 0.8892% | 1,843 |
| Net operating income to assets | 0.8347% | 2,650 |
| Return on assets (ROA) | 0.8347% | 2,794 |
| Pretax return on assets | 1.3436% | 1,823 |
| Return on Equity (ROE) | 7.5548% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.6361% | 2,645 |
| Net charge-offs to loans | 0.8741% | 2,445 |
| Credit loss provision to net charge-offs | 125.4227% | 3,250 |
| Earnings coverage of net charge-offs (x) | 3.1493% | 3,495 |
| Efficiency ratio | 53.0712% | 6,885 |
| Assets per employee ($millions) | 4.8730% | 2,319 |
| Cash dividends to net income (ytd only)* | 38.6330% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 4,252 |
| Loan loss allowance to noncurrent loans | 227.8005% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 4,298 |
| Noncurrent loans to loans | 0.6388% | 5,774 |
| Net loans and leases to total assets | 77.4276% | 1,027 |
| Net loans and leases to deposits | 104.3233% | 388 |
| Net loans and leases to core deposits | 117.6332% | 591 |
| Total domestic deposits to total assets | 74.2189% | 6,863 |
| Equity capital to assets | 11.1680% | 2,538 |
| Core capital (leverage) ratio | 9.9960% | 3,101 |
| Tier 1 risk-based capital ratio | 11.8943% | 5,573 |
| Total risk-based capital ratio | 13.1217% | 5,582 |
| Memoranda: | ||
| Average total assets | $241,892,800 | 2,618 |
| Average earning assets | $225,071,200 | 2,567 |
| Average equity | $26,724,800 | 2,395 |
| Average total loans | $196,210,200 | 2,195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 2,262 |
| Cost of funding earning assets | 1.3619% | 3,823 |
| Net interest margin | 4.1871% | 2,264 |
| Noninterest income to average assets | 0.9608% | 1,581 |
| Noninterest expense to average assets | 2.6666% | 5,017 |
| Loan and lease loss provision to assets | 0.7537% | 2,033 |
| Net operating income to assets | 0.9398% | 2,453 |
| Return on assets (ROA) | 0.9398% | 2,584 |
| Pretax return on assets | 1.4418% | 1,767 |
| Return on Equity (ROE) | 8.5301% | 2,675 |
| Retained earnings to average equity (ytd only) | 6.6507% | 2,017 |
| Net charge-offs to loans | 0.5910% | 2,970 |
| Credit loss provision to net charge-offs | 156.0000% | 2,457 |
| Earnings coverage of net charge-offs (x) | 4.5440% | 3,009 |
| Efficiency ratio | 53.2652% | 6,860 |
| Assets per employee ($millions) | 4.8255% | 2,414 |
| Cash dividends to net income (ytd only)* | 22.0330% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,208 |
| Loan loss allowance to noncurrent loans | 88.5011% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 4,037 |
| Noncurrent loans to loans | 1.6374% | 4,192 |
| Net loans and leases to total assets | 80.0492% | 741 |
| Net loans and leases to deposits | 108.3839% | 289 |
| Net loans and leases to core deposits | 124.1462% | 496 |
| Total domestic deposits to total assets | 73.8571% | 6,934 |
| Equity capital to assets | 11.3149% | 2,689 |
| Core capital (leverage) ratio | 10.1131% | 3,132 |
| Tier 1 risk-based capital ratio | 11.4895% | 5,948 |
| Total risk-based capital ratio | 12.7414% | 5,930 |
| Memoranda: | ||
| Average total assets | $241,453,250 | 2,664 |
| Average earning assets | $224,972,750 | 2,606 |
| Average equity | $26,603,250 | 2,450 |
| Average total loans | $197,403,000 | 2,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 2,267 |
| Cost of funding earning assets | 1.4011% | 3,870 |
| Net interest margin | 4.1649% | 2,276 |
| Noninterest income to average assets | 0.8124% | 2,056 |
| Noninterest expense to average assets | 2.6624% | 5,071 |
| Loan and lease loss provision to assets | 0.6410% | 2,243 |
| Net operating income to assets | 0.8753% | 2,639 |
| Return on assets (ROA) | 0.8753% | 2,769 |
| Pretax return on assets | 1.3863% | 1,869 |
| Return on Equity (ROE) | 8.0164% | 2,877 |
| Retained earnings to average equity (ytd only) | 5.9156% | 2,377 |
| Net charge-offs to loans | 0.4791% | 3,102 |
| Credit loss provision to net charge-offs | 163.2911% | 2,418 |
| Earnings coverage of net charge-offs (x) | 5.1646% | 2,736 |
| Efficiency ratio | 55.1474% | 6,742 |
| Assets per employee ($millions) | 4.6636% | 2,630 |
| Cash dividends to net income (ytd only)* | 26.2062% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,704 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8870% | 3,640 |
| Noncurrent loans to loans | 1.8344% | 3,959 |
| Net loans and leases to total assets | 81.7418% | 568 |
| Net loans and leases to deposits | 108.5897% | 311 |
| Net loans and leases to core deposits | 124.2732% | 565 |
| Total domestic deposits to total assets | 75.2758% | 6,814 |
| Equity capital to assets | 11.2481% | 2,642 |
| Core capital (leverage) ratio | 9.9237% | 3,254 |
| Tier 1 risk-based capital ratio | 11.1636% | 6,081 |
| Total risk-based capital ratio | 12.4117% | 6,070 |
| Memoranda: | ||
| Average total assets | $241,513,000 | 2,687 |
| Average earning assets | $224,829,670 | 2,627 |
| Average equity | $26,371,000 | 2,462 |
| Average total loans | $197,878,000 | 2,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 2,330 |
| Cost of funding earning assets | 1.4410% | 3,932 |
| Net interest margin | 4.1178% | 2,362 |
| Noninterest income to average assets | 0.7890% | 2,076 |
| Noninterest expense to average assets | 2.6859% | 4,975 |
| Loan and lease loss provision to assets | 0.4159% | 2,880 |
| Net operating income to assets | 0.9747% | 2,285 |
| Return on assets (ROA) | 0.9747% | 2,347 |
| Pretax return on assets | 1.5155% | 1,479 |
| Return on Equity (ROE) | 9.0604% | 2,477 |
| Retained earnings to average equity (ytd only) | 6.3407% | 2,453 |
| Net charge-offs to loans | 0.1069% | 4,359 |
| Credit loss provision to net charge-offs | 477.3585% | 885 |
| Earnings coverage of net charge-offs (x) | 22.1698% | 1,100 |
| Efficiency ratio | 56.5326% | 6,692 |
| Assets per employee ($millions) | 4.8683% | 2,411 |
| Cash dividends to net income (ytd only)* | 30.0169% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 5,033 |
| Loan loss allowance to noncurrent loans | 78.2689% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.6334% | 4,037 |
| Noncurrent loans to loans | 1.6394% | 4,291 |
| Net loans and leases to total assets | 80.5958% | 759 |
| Net loans and leases to deposits | 107.7242% | 352 |
| Net loans and leases to core deposits | 125.0512% | 612 |
| Total domestic deposits to total assets | 74.8169% | 6,929 |
| Equity capital to assets | 10.8407% | 2,912 |
| Core capital (leverage) ratio | 9.5900% | 3,654 |
| Tier 1 risk-based capital ratio | 10.8343% | 6,309 |
| Total risk-based capital ratio | 12.0333% | 6,345 |
| Memoranda: | ||
| Average total assets | $243,347,500 | 2,727 |
| Average earning assets | $226,239,000 | 2,673 |
| Average equity | $26,180,000 | 2,502 |
| Average total loans | $198,282,500 | 2,291 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 2,556 |
| Cost of funding earning assets | 1.8749% | 3,598 |
| Net interest margin | 3.9492% | 3,082 |
| Noninterest income to average assets | 1.2071% | 1,059 |
| Noninterest expense to average assets | 2.7275% | 5,263 |
| Loan and lease loss provision to assets | 0.4845% | 3,946 |
| Net operating income to assets | 1.0354% | 1,721 |
| Return on assets (ROA) | 1.0354% | 1,763 |
| Pretax return on assets | 1.6740% | 828 |
| Return on Equity (ROE) | 9.7040% | 1,780 |
| Retained earnings to average equity (ytd only) | 6.6263% | 1,107 |
| Net charge-offs to loans | 0.2750% | 4,905 |
| Credit loss provision to net charge-offs | 216.1959% | 1,763 |
| Earnings coverage of net charge-offs (x) | 9.6309% | 1,773 |
| Efficiency ratio | 54.2243% | 7,209 |
| Assets per employee ($millions) | 4.7702% | 2,518 |
| Cash dividends to net income (ytd only)* | 31.7163% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,430 |
| Loan loss allowance to noncurrent loans | 73.9692% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.6015% | 3,975 |
| Noncurrent loans to loans | 1.6059% | 4,250 |
| Net loans and leases to total assets | 80.3529% | 931 |
| Net loans and leases to deposits | 110.6275% | 364 |
| Net loans and leases to core deposits | 137.4439% | 894 |
| Total domestic deposits to total assets | 72.6338% | 7,190 |
| Equity capital to assets | 10.6759% | 2,993 |
| Core capital (leverage) ratio | 9.5879% | 3,614 |
| Tier 1 risk-based capital ratio | 10.7354% | 6,170 |
| Total risk-based capital ratio | 11.8526% | 6,275 |
| Memoranda: | ||
| Average total assets | $236,923,600 | 2,743 |
| Average earning assets | $220,703,400 | 2,698 |
| Average equity | $25,278,200 | 2,585 |
| Average total loans | $193,084,400 | 2,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8555% | 2,644 |
| Cost of funding earning assets | 1.9536% | 3,602 |
| Net interest margin | 3.9018% | 3,233 |
| Noninterest income to average assets | 1.2957% | 924 |
| Noninterest expense to average assets | 2.8090% | 4,859 |
| Loan and lease loss provision to assets | 0.3354% | 4,329 |
| Net operating income to assets | 1.1206% | 1,672 |
| Return on assets (ROA) | 1.1206% | 1,738 |
| Pretax return on assets | 1.7937% | 810 |
| Return on Equity (ROE) | 10.5051% | 1,762 |
| Retained earnings to average equity (ytd only) | 8.5134% | 972 |
| Net charge-offs to loans | 0.1230% | 5,466 |
| Credit loss provision to net charge-offs | 334.4633% | 1,228 |
| Earnings coverage of net charge-offs (x) | 21.2320% | 1,210 |
| Efficiency ratio | 55.3006% | 7,088 |
| Assets per employee ($millions) | 4.7244% | 2,519 |
| Cash dividends to net income (ytd only)* | 18.9586% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,705 |
| Loan loss allowance to noncurrent loans | 73.7891% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 4,039 |
| Noncurrent loans to loans | 1.4950% | 4,421 |
| Net loans and leases to total assets | 79.9199% | 1,185 |
| Net loans and leases to deposits | 105.5892% | 670 |
| Net loans and leases to core deposits | 134.7659% | 1,161 |
| Total domestic deposits to total assets | 75.6895% | 6,643 |
| Equity capital to assets | 10.7498% | 3,246 |
| Core capital (leverage) ratio | 9.6476% | 3,718 |
| Tier 1 risk-based capital ratio | 10.8676% | 6,091 |
| Total risk-based capital ratio | 11.9069% | 6,271 |
| Memoranda: | ||
| Average total assets | $235,335,000 | 2,778 |
| Average earning assets | $219,686,000 | 2,728 |
| Average equity | $25,104,750 | 2,628 |
| Average total loans | $191,897,750 | 2,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9019% | 2,570 |
| Cost of funding earning assets | 2.0374% | 3,589 |
| Net interest margin | 3.8645% | 3,272 |
| Noninterest income to average assets | 1.4435% | 716 |
| Noninterest expense to average assets | 2.8904% | 4,537 |
| Loan and lease loss provision to assets | 0.3212% | 4,016 |
| Net operating income to assets | 1.1608% | 1,582 |
| Return on assets (ROA) | 1.1608% | 1,662 |
| Pretax return on assets | 1.8358% | 793 |
| Return on Equity (ROE) | 10.9101% | 1,726 |
| Retained earnings to average equity (ytd only) | 9.2998% | 858 |
| Net charge-offs to loans | 0.1005% | 5,156 |
| Credit loss provision to net charge-offs | 390.6250% | 1,192 |
| Earnings coverage of net charge-offs (x) | 26.2292% | 1,089 |
| Efficiency ratio | 55.7026% | 7,147 |
| Assets per employee ($millions) | 4.5878% | 2,632 |
| Cash dividends to net income (ytd only)* | 14.7601% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,875 |
| Loan loss allowance to noncurrent loans | 70.1290% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 4,031 |
| Noncurrent loans to loans | 1.5043% | 4,239 |
| Net loans and leases to total assets | 79.0986% | 1,498 |
| Net loans and leases to deposits | 104.1700% | 898 |
| Net loans and leases to core deposits | 130.5928% | 1,515 |
| Total domestic deposits to total assets | 75.9322% | 6,566 |
| Equity capital to assets | 10.6687% | 3,237 |
| Core capital (leverage) ratio | 9.4792% | 3,924 |
| Tier 1 risk-based capital ratio | 10.8123% | 6,070 |
| Total risk-based capital ratio | 11.8026% | 6,278 |
| Memoranda: | ||
| Average total assets | $233,465,000 | 2,822 |
| Average earning assets | $217,726,000 | 2,774 |
| Average equity | $24,839,330 | 2,655 |
| Average total loans | $190,960,000 | 2,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9032% | 2,781 |
| Cost of funding earning assets | 2.0856% | 3,717 |
| Net interest margin | 3.8176% | 3,376 |
| Noninterest income to average assets | 1.3321% | 804 |
| Noninterest expense to average assets | 2.7525% | 4,769 |
| Loan and lease loss provision to assets | 0.2373% | 4,083 |
| Net operating income to assets | 1.1606% | 1,772 |
| Return on assets (ROA) | 1.1606% | 1,891 |
| Pretax return on assets | 1.8968% | 804 |
| Return on Equity (ROE) | 10.9241% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.6631% | 1,948 |
| Net charge-offs to loans | 0.0209% | 5,268 |
| Credit loss provision to net charge-offs | 1,370.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 123.2000% | 355 |
| Efficiency ratio | 54.6969% | 7,150 |
| Assets per employee ($millions) | 4.4233% | 2,841 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 6,362 |
| Loan loss allowance to noncurrent loans | 51.0849% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6547% | 3,433 |
| Noncurrent loans to loans | 1.9011% | 3,412 |
| Net loans and leases to total assets | 82.4585% | 937 |
| Net loans and leases to deposits | 105.2047% | 927 |
| Net loans and leases to core deposits | 133.4689% | 1,447 |
| Total domestic deposits to total assets | 78.3791% | 5,896 |
| Equity capital to assets | 10.7683% | 3,216 |
| Core capital (leverage) ratio | 9.3758% | 4,136 |
| Tier 1 risk-based capital ratio | 10.6757% | 6,214 |
| Total risk-based capital ratio | 11.6107% | 6,448 |
| Memoranda: | ||
| Average total assets | $230,913,500 | 2,865 |
| Average earning assets | $215,003,000 | 2,824 |
| Average equity | $24,533,000 | 2,706 |
| Average total loans | $191,082,000 | 2,464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5571% | 2,685 |
| Cost of funding earning assets | 2.5417% | 3,996 |
| Net interest margin | 4.0154% | 3,047 |
| Noninterest income to average assets | 0.9539% | 1,749 |
| Noninterest expense to average assets | 2.6790% | 5,344 |
| Loan and lease loss provision to assets | 0.5586% | 2,582 |
| Net operating income to assets | 0.8789% | 3,098 |
| Return on assets (ROA) | 0.8789% | 2,947 |
| Pretax return on assets | 1.4136% | 1,932 |
| Return on Equity (ROE) | 7.9827% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.9526% | 2,056 |
| Net charge-offs to loans | 0.5079% | 2,322 |
| Credit loss provision to net charge-offs | 132.9682% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.6944% | 3,898 |
| Efficiency ratio | 55.7677% | 7,045 |
| Assets per employee ($millions) | 4.4580% | 2,684 |
| Cash dividends to net income (ytd only)* | 37.9581% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,626 |
| Loan loss allowance to noncurrent loans | 68.9066% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 3,941 |
| Noncurrent loans to loans | 1.3192% | 3,874 |
| Net loans and leases to total assets | 81.4902% | 1,321 |
| Net loans and leases to deposits | 107.6006% | 1,000 |
| Net loans and leases to core deposits | 137.4363% | 1,415 |
| Total domestic deposits to total assets | 75.7340% | 6,298 |
| Equity capital to assets | 10.4815% | 3,526 |
| Core capital (leverage) ratio | 9.4763% | 4,042 |
| Tier 1 risk-based capital ratio | 10.4640% | 6,242 |
| Total risk-based capital ratio | 11.3391% | 6,507 |
| Memoranda: | ||
| Average total assets | $217,319,000 | 2,910 |
| Average earning assets | $200,104,000 | 2,893 |
| Average equity | $23,926,800 | 2,739 |
| Average total loans | $179,760,600 | 2,501 |