Home > The Peoples State Bank > Performance and Condition Ratios
The Peoples State 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 | 4.8916% | 2,294 |
| Cost of funding earning assets | 1.9089% | 1,053 |
| Net interest margin | 2.9828% | 3,325 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.6825% | 1,786 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8237% | 2,794 |
| Return on assets (ROA) | 0.8028% | 2,843 |
| Pretax return on assets | 0.8028% | 3,207 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.3141% | 2,130 |
| Net charge-offs to loans | -0.0043% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.3378% | 1,219 |
| Assets per employee ($millions) | 4.7121% | 3,827 |
| Cash dividends to net income (ytd only)* | 40.8710% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 2,978 |
| 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 | 52.5900% | 3,447 |
| Net loans and leases to deposits | 59.7525% | 3,537 |
| Net loans and leases to core deposits | 61.2174% | 3,716 |
| Total domestic deposits to total assets | 88.0100% | 1,353 |
| Equity capital to assets | 8.1403% | 3,320 |
| Core capital (leverage) ratio | 9.6674% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $446,183,000 | 1,871 |
| Average earning assets | $424,233,200 | 1,821 |
| Average equity | $33,543,800 | 2,115 |
| Average total loans | $230,241,800 | 2,102 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 2,390 |
| Cost of funding earning assets | 1.7228% | 857 |
| Net interest margin | 2.8913% | 3,664 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.7186% | 1,600 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7312% | 3,267 |
| Return on assets (ROA) | 0.6892% | 3,367 |
| Pretax return on assets | 0.6892% | 3,624 |
| Return on Equity (ROE) | 9.0800% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.8414% | 2,980 |
| Net charge-offs to loans | -0.0027% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.6721% | 952 |
| Assets per employee ($millions) | 4.7307% | 3,805 |
| Cash dividends to net income (ytd only)* | 46.6972% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,854 |
| Loan loss allowance to noncurrent loans | 25,420.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,876 |
| Noncurrent loans to loans | 0.0044% | 3,782 |
| Net loans and leases to total assets | 49.4700% | 3,591 |
| Net loans and leases to deposits | 55.4108% | 3,671 |
| Net loans and leases to core deposits | 56.3958% | 3,797 |
| Total domestic deposits to total assets | 89.2700% | 1,153 |
| Equity capital to assets | 7.4608% | 3,541 |
| Core capital (leverage) ratio | 9.6419% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $443,681,000 | 1,878 |
| Average earning assets | $421,747,667 | 1,836 |
| Average equity | $33,667,667 | 2,113 |
| Average total loans | $224,453,333 | 2,129 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 2,364 |
| Cost of funding earning assets | 1.5705% | 737 |
| Net interest margin | 2.9106% | 3,776 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.7388% | 1,574 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6788% | 3,513 |
| Return on assets (ROA) | 0.6158% | 3,614 |
| Pretax return on assets | 0.6158% | 3,815 |
| Return on Equity (ROE) | 8.0500% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.2777% | 3,444 |
| Net charge-offs to loans | -0.0036% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5653% | 869 |
| Assets per employee ($millions) | 4.5922% | 3,966 |
| Cash dividends to net income (ytd only)* | 59.2593% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 2,892 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 49.9300% | 3,500 |
| Net loans and leases to deposits | 56.8386% | 3,524 |
| Net loans and leases to core deposits | 57.4723% | 3,657 |
| Total domestic deposits to total assets | 87.8400% | 1,978 |
| Equity capital to assets | 7.7148% | 3,434 |
| Core capital (leverage) ratio | 9.7637% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $438,446,500 | 1,912 |
| Average earning assets | $416,687,000 | 1,877 |
| Average equity | $33,560,000 | 2,142 |
| Average total loans | $223,086,000 | 2,148 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 2,627 |
| Cost of funding earning assets | 0.6056% | 884 |
| Net interest margin | 3.0585% | 3,291 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.6932% | 1,573 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 1.0887% | 2,226 |
| Return on assets (ROA) | 1.0887% | 2,162 |
| Pretax return on assets | 1.0887% | 2,808 |
| Return on Equity (ROE) | 12.9300% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.4749% | 2,037 |
| Net charge-offs to loans | -0.0113% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.5060% | 1,267 |
| Assets per employee ($millions) | 4.4943% | 4,042 |
| Cash dividends to net income (ytd only)* | 42.1713% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,095 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.8800% | 3,442 |
| Net loans and leases to deposits | 56.2830% | 3,559 |
| Net loans and leases to core deposits | 56.6890% | 3,692 |
| Total domestic deposits to total assets | 90.4000% | 1,200 |
| Equity capital to assets | 7.5918% | 3,331 |
| Core capital (leverage) ratio | 9.7939% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $424,731,800 | 1,936 |
| Average earning assets | $402,883,200 | 1,907 |
| Average equity | $35,773,200 | 2,080 |
| Average total loans | $212,485,800 | 2,151 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 2,804 |
| Cost of funding earning assets | 0.3855% | 1,395 |
| Net interest margin | 3.0542% | 3,066 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.7028% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0073% | 2,457 |
| Return on assets (ROA) | 1.0073% | 2,423 |
| Pretax return on assets | 1.0073% | 2,993 |
| Return on Equity (ROE) | 11.6700% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.0081% | 2,756 |
| Net charge-offs to loans | -0.0044% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8508% | 1,401 |
| Assets per employee ($millions) | 4.5128% | 4,045 |
| Cash dividends to net income (ytd only)* | 48.4981% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,511 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.7200% | 3,403 |
| Net loans and leases to deposits | 56.0244% | 3,479 |
| Net loans and leases to core deposits | 56.6625% | 3,584 |
| Total domestic deposits to total assets | 90.5300% | 1,428 |
| Equity capital to assets | 6.8275% | 3,602 |
| Core capital (leverage) ratio | 9.8979% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $423,052,250 | 1,954 |
| Average earning assets | $401,226,000 | 1,922 |
| Average equity | $36,527,750 | 2,088 |
| Average total loans | $210,299,500 | 2,164 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 2,782 |
| Cost of funding earning assets | 0.2442% | 2,338 |
| Net interest margin | 3.0414% | 2,753 |
| Noninterest income to average assets | 0.8344% | 977 |
| Noninterest expense to average assets | 2.7168% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0034% | 2,142 |
| Return on assets (ROA) | 1.0034% | 2,115 |
| Pretax return on assets | 1.0034% | 2,719 |
| Return on Equity (ROE) | 10.8507% | 2,033 |
| Retained earnings to average equity (ytd only) | 5.3304% | 2,577 |
| Net charge-offs to loans | -0.0048% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0278% | 1,624 |
| Assets per employee ($millions) | 4.3858% | 4,159 |
| Cash dividends to net income (ytd only)* | 50.8755% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.5562% | 3,318 |
| Net loans and leases to deposits | 56.4735% | 3,344 |
| Net loans and leases to core deposits | 57.2265% | 3,478 |
| Total domestic deposits to total assets | 89.5221% | 1,934 |
| Equity capital to assets | 8.1715% | 2,993 |
| Core capital (leverage) ratio | 9.9536% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,163,333 | 1,973 |
| Average earning assets | $399,618,000 | 1,946 |
| Average equity | $38,946,667 | 2,043 |
| Average total loans | $207,190,000 | 2,183 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 2,680 |
| Cost of funding earning assets | 0.2000% | 2,802 |
| Net interest margin | 3.0037% | 2,490 |
| Noninterest income to average assets | 0.8537% | 920 |
| Noninterest expense to average assets | 2.7187% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9866% | 1,932 |
| Return on assets (ROA) | 0.9866% | 1,929 |
| Pretax return on assets | 0.9866% | 2,478 |
| Return on Equity (ROE) | 10.0831% | 1,936 |
| Retained earnings to average equity (ytd only) | 4.5029% | 2,781 |
| Net charge-offs to loans | -0.0059% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3726% | 1,812 |
| Assets per employee ($millions) | 4.3369% | 4,232 |
| Cash dividends to net income (ytd only)* | 55.3417% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 48.1140% | 3,374 |
| Net loans and leases to deposits | 55.5565% | 3,302 |
| Net loans and leases to core deposits | 56.2542% | 3,429 |
| Total domestic deposits to total assets | 86.6037% | 3,072 |
| Equity capital to assets | 9.1466% | 2,579 |
| Core capital (leverage) ratio | 9.8720% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,226,000 | 1,980 |
| Average earning assets | $399,911,000 | 1,957 |
| Average equity | $41,217,500 | 2,012 |
| Average total loans | $203,263,000 | 2,201 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3758% | 2,991 |
| Cost of funding earning assets | 0.2414% | 3,036 |
| Net interest margin | 3.1344% | 2,790 |
| Noninterest income to average assets | 1.7118% | 392 |
| Noninterest expense to average assets | 2.6499% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0481% | 311 |
| Return on assets (ROA) | 2.0743% | 312 |
| Pretax return on assets | 2.0743% | 527 |
| Return on Equity (ROE) | 20.4653% | 284 |
| Retained earnings to average equity (ytd only) | 15.4512% | 199 |
| Net charge-offs to loans | -0.0015% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4047% | 3,658 |
| Assets per employee ($millions) | 4.5331% | 4,090 |
| Cash dividends to net income (ytd only)* | 24.5008% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.3704% | 3,557 |
| Net loans and leases to deposits | 56.0837% | 3,405 |
| Net loans and leases to core deposits | 56.9271% | 3,556 |
| Total domestic deposits to total assets | 84.4637% | 3,434 |
| Equity capital to assets | 10.4090% | 2,257 |
| Core capital (leverage) ratio | 9.7136% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,812,200 | 1,990 |
| Average earning assets | $381,861,600 | 1,963 |
| Average equity | $40,624,800 | 2,064 |
| Average total loans | $195,701,200 | 2,259 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 3,099 |
| Cost of funding earning assets | 0.2475% | 3,150 |
| Net interest margin | 3.1532% | 2,887 |
| Noninterest income to average assets | 1.1880% | 804 |
| Noninterest expense to average assets | 2.6241% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5699% | 1,100 |
| Return on assets (ROA) | 1.6054% | 1,063 |
| Pretax return on assets | 1.6054% | 1,681 |
| Return on Equity (ROE) | 15.9556% | 962 |
| Retained earnings to average equity (ytd only) | 11.0413% | 1,059 |
| Net charge-offs to loans | -0.0014% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5675% | 2,602 |
| Assets per employee ($millions) | 4.3724% | 4,205 |
| Cash dividends to net income (ytd only)* | 30.8000% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,605 |
| Loan loss allowance to noncurrent loans | 18,133.3333% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,254 |
| Noncurrent loans to loans | 0.0059% | 4,167 |
| Net loans and leases to total assets | 48.7538% | 3,547 |
| Net loans and leases to deposits | 57.6060% | 3,440 |
| Net loans and leases to core deposits | 58.5812% | 3,580 |
| Total domestic deposits to total assets | 84.6331% | 3,254 |
| Equity capital to assets | 9.9422% | 2,956 |
| Core capital (leverage) ratio | 9.4811% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,487,250 | 2,026 |
| Average earning assets | $376,073,000 | 2,003 |
| Average equity | $39,692,500 | 2,117 |
| Average total loans | $193,619,500 | 2,314 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 3,115 |
| Cost of funding earning assets | 0.2562% | 3,233 |
| Net interest margin | 3.1637% | 2,865 |
| Noninterest income to average assets | 1.2340% | 765 |
| Noninterest expense to average assets | 2.6558% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5994% | 1,050 |
| Return on assets (ROA) | 1.6536% | 1,000 |
| Pretax return on assets | 1.6536% | 1,603 |
| Return on Equity (ROE) | 16.3648% | 888 |
| Retained earnings to average equity (ytd only) | 11.5738% | 999 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4136% | 2,677 |
| Assets per employee ($millions) | 4.2629% | 4,286 |
| Cash dividends to net income (ytd only)* | 29.2759% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,356 |
| Loan loss allowance to noncurrent loans | 13,587.5000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,299 |
| Noncurrent loans to loans | 0.0082% | 4,201 |
| Net loans and leases to total assets | 47.6359% | 3,766 |
| Net loans and leases to deposits | 56.8763% | 3,648 |
| Net loans and leases to core deposits | 57.8400% | 3,767 |
| Total domestic deposits to total assets | 83.7535% | 3,510 |
| Equity capital to assets | 10.1175% | 2,751 |
| Core capital (leverage) ratio | 9.3531% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,522,667 | 2,047 |
| Average earning assets | $370,076,333 | 2,018 |
| Average equity | $39,157,333 | 2,131 |
| Average total loans | $189,929,333 | 2,348 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 2,998 |
| Cost of funding earning assets | 0.2732% | 3,239 |
| Net interest margin | 3.2019% | 2,690 |
| Noninterest income to average assets | 1.3928% | 682 |
| Noninterest expense to average assets | 2.7244% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7255% | 903 |
| Return on assets (ROA) | 1.8364% | 792 |
| Pretax return on assets | 1.8364% | 1,226 |
| Return on Equity (ROE) | 18.1861% | 710 |
| Retained earnings to average equity (ytd only) | 12.4343% | 1,043 |
| Net charge-offs to loans | -0.0021% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2245% | 2,874 |
| Assets per employee ($millions) | 4.1438% | 4,389 |
| Cash dividends to net income (ytd only)* | 31.6274% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,151 |
| Loan loss allowance to noncurrent loans | 1,343.2099% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,077 |
| Noncurrent loans to loans | 0.0863% | 3,875 |
| Net loans and leases to total assets | 47.6237% | 3,849 |
| Net loans and leases to deposits | 57.5606% | 3,672 |
| Net loans and leases to core deposits | 58.5853% | 3,798 |
| Total domestic deposits to total assets | 82.7367% | 3,754 |
| Equity capital to assets | 9.7723% | 2,929 |
| Core capital (leverage) ratio | 9.6040% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,794,000 | 2,067 |
| Average earning assets | $361,664,500 | 2,039 |
| Average equity | $38,249,000 | 2,151 |
| Average total loans | $187,349,000 | 2,377 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 3,390 |
| Cost of funding earning assets | 0.4351% | 3,377 |
| Net interest margin | 3.3357% | 2,969 |
| Noninterest income to average assets | 1.4033% | 595 |
| Noninterest expense to average assets | 3.0606% | 1,303 |
| Loan and lease loss provision to assets | 0.1472% | 2,535 |
| Net operating income to assets | 1.3845% | 1,056 |
| Return on assets (ROA) | 1.4798% | 929 |
| Pretax return on assets | 1.4798% | 1,409 |
| Return on Equity (ROE) | 14.0724% | 798 |
| Retained earnings to average equity (ytd only) | 9.2435% | 717 |
| Net charge-offs to loans | -0.0489% | 4,660 |
| Credit loss provision to net charge-offs | -581.3953% | 3,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6474% | 2,416 |
| Assets per employee ($millions) | 3.9156% | 4,436 |
| Cash dividends to net income (ytd only)* | 34.3147% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,146 |
| Loan loss allowance to noncurrent loans | 1,333.7423% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,128 |
| Noncurrent loans to loans | 0.0872% | 3,943 |
| Net loans and leases to total assets | 50.2201% | 3,813 |
| Net loans and leases to deposits | 61.1530% | 3,666 |
| Net loans and leases to core deposits | 62.3666% | 3,809 |
| Total domestic deposits to total assets | 82.1221% | 3,635 |
| Equity capital to assets | 10.4418% | 2,723 |
| Core capital (leverage) ratio | 9.5300% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,699,800 | 2,094 |
| Average earning assets | $324,756,800 | 2,057 |
| Average equity | $35,722,400 | 2,192 |
| Average total loans | $175,992,200 | 2,437 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 3,621 |
| Cost of funding earning assets | 0.4785% | 3,368 |
| Net interest margin | 3.3012% | 3,185 |
| Noninterest income to average assets | 1.3481% | 603 |
| Noninterest expense to average assets | 2.9199% | 1,649 |
| Loan and lease loss provision to assets | 0.2285% | 1,775 |
| Net operating income to assets | 1.3577% | 1,208 |
| Return on assets (ROA) | 1.4575% | 1,066 |
| Pretax return on assets | 1.4575% | 1,551 |
| Return on Equity (ROE) | 13.8334% | 907 |
| Retained earnings to average equity (ytd only) | 9.0777% | 957 |
| Net charge-offs to loans | -0.0023% | 3,902 |
| Credit loss provision to net charge-offs | -19,000.0000% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7985% | 2,626 |
| Assets per employee ($millions) | 3.7925% | 4,478 |
| Cash dividends to net income (ytd only)* | 34.3784% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,301.8072% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 4,206 |
| Noncurrent loans to loans | 0.0865% | 4,023 |
| Net loans and leases to total assets | 53.2193% | 3,872 |
| Net loans and leases to deposits | 64.2209% | 3,779 |
| Net loans and leases to core deposits | 65.5903% | 3,915 |
| Total domestic deposits to total assets | 82.8691% | 3,176 |
| Equity capital to assets | 10.3798% | 2,889 |
| Core capital (leverage) ratio | 9.5774% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,607,750 | 2,108 |
| Average earning assets | $318,176,750 | 2,063 |
| Average equity | $35,044,750 | 2,220 |
| Average total loans | $173,235,750 | 2,458 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 3,842 |
| Cost of funding earning assets | 0.5435% | 3,273 |
| Net interest margin | 3.2657% | 3,474 |
| Noninterest income to average assets | 1.1009% | 820 |
| Noninterest expense to average assets | 2.9250% | 1,773 |
| Loan and lease loss provision to assets | 0.1294% | 2,727 |
| Net operating income to assets | 1.1705% | 1,723 |
| Return on assets (ROA) | 1.2660% | 1,567 |
| Pretax return on assets | 1.2660% | 2,138 |
| Return on Equity (ROE) | 11.9505% | 1,343 |
| Retained earnings to average equity (ytd only) | 7.2982% | 1,539 |
| Net charge-offs to loans | -0.0024% | 3,848 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2330% | 2,055 |
| Assets per employee ($millions) | 3.7995% | 4,465 |
| Cash dividends to net income (ytd only)* | 38.9294% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,713 |
| Loan loss allowance to noncurrent loans | 1,258.7413% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,340 |
| Noncurrent loans to loans | 0.0770% | 4,149 |
| Net loans and leases to total assets | 51.4992% | 4,061 |
| Net loans and leases to deposits | 62.4124% | 3,979 |
| Net loans and leases to core deposits | 63.8652% | 4,081 |
| Total domestic deposits to total assets | 82.5144% | 3,228 |
| Equity capital to assets | 10.0776% | 3,130 |
| Core capital (leverage) ratio | 9.6281% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,646,667 | 2,121 |
| Average earning assets | $310,562,333 | 2,070 |
| Average equity | $34,392,000 | 2,243 |
| Average total loans | $167,020,000 | 2,499 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,942 |
| Cost of funding earning assets | 0.6933% | 2,966 |
| Net interest margin | 3.2533% | 3,712 |
| Noninterest income to average assets | 0.8457% | 1,173 |
| Noninterest expense to average assets | 2.9741% | 1,945 |
| Loan and lease loss provision to assets | 0.1167% | 2,230 |
| Net operating income to assets | 0.8651% | 2,634 |
| Return on assets (ROA) | 1.0091% | 2,250 |
| Pretax return on assets | 1.0091% | 2,815 |
| Return on Equity (ROE) | 9.2642% | 2,008 |
| Retained earnings to average equity (ytd only) | 3.9057% | 2,714 |
| Net charge-offs to loans | -0.0025% | 3,694 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1803% | 1,665 |
| Assets per employee ($millions) | 3.3338% | 4,615 |
| Cash dividends to net income (ytd only)* | 57.8406% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,548 |
| Loan loss allowance to noncurrent loans | 1,174.1259% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,192 |
| Noncurrent loans to loans | 0.0877% | 4,161 |
| Net loans and leases to total assets | 52.0536% | 4,108 |
| Net loans and leases to deposits | 64.5282% | 3,948 |
| Net loans and leases to core deposits | 66.6098% | 4,044 |
| Total domestic deposits to total assets | 80.6680% | 3,729 |
| Equity capital to assets | 11.0731% | 2,799 |
| Core capital (leverage) ratio | 10.2549% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,391,500 | 2,155 |
| Average earning assets | $294,838,000 | 2,107 |
| Average equity | $33,591,500 | 2,267 |
| Average total loans | $157,663,500 | 2,568 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,871 |
| Cost of funding earning assets | 0.8936% | 2,217 |
| Net interest margin | 3.2812% | 4,023 |
| Noninterest income to average assets | 0.9853% | 1,006 |
| Noninterest expense to average assets | 3.0267% | 1,945 |
| Loan and lease loss provision to assets | 0.0379% | 3,253 |
| Net operating income to assets | 1.0348% | 2,716 |
| Return on assets (ROA) | 1.0954% | 2,561 |
| Pretax return on assets | 1.0954% | 3,183 |
| Return on Equity (ROE) | 10.5399% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.7002% | 2,028 |
| Net charge-offs to loans | 0.0634% | 2,192 |
| Credit loss provision to net charge-offs | 121.7391% | 2,086 |
| Earnings coverage of net charge-offs (x) | 34.4239% | 1,446 |
| Efficiency ratio | 73.8329% | 1,625 |
| Assets per employee ($millions) | 3.2983% | 4,640 |
| Cash dividends to net income (ytd only)* | 45.9184% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,265 |
| Loan loss allowance to noncurrent loans | 1,102.0833% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,223 |
| Noncurrent loans to loans | 0.0946% | 4,146 |
| Net loans and leases to total assets | 49.1206% | 4,367 |
| Net loans and leases to deposits | 59.7119% | 4,306 |
| Net loans and leases to core deposits | 61.4873% | 4,367 |
| Total domestic deposits to total assets | 82.2627% | 3,428 |
| Equity capital to assets | 10.7099% | 3,248 |
| Core capital (leverage) ratio | 10.1965% | 3,302 |
| Tier 1 risk-based capital ratio | 16.2942% | 2,294 |
| Total risk-based capital ratio | 17.1220% | 2,394 |
| Memoranda: | ||
| Average total assets | $295,238,800 | 2,185 |
| Average earning assets | $280,205,400 | 2,144 |
| Average equity | $30,683,400 | 2,352 |
| Average total loans | $145,071,800 | 2,663 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 3,922 |
| Cost of funding earning assets | 0.9274% | 2,099 |
| Net interest margin | 3.2712% | 4,146 |
| Noninterest income to average assets | 0.9011% | 1,137 |
| Noninterest expense to average assets | 3.0514% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9495% | 3,168 |
| Return on assets (ROA) | 1.0275% | 2,949 |
| Pretax return on assets | 1.0275% | 3,505 |
| Return on Equity (ROE) | 9.9661% | 2,444 |
| Retained earnings to average equity (ytd only) | 5.3878% | 2,682 |
| Net charge-offs to loans | -0.0065% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2681% | 1,301 |
| Assets per employee ($millions) | 3.2497% | 4,703 |
| Cash dividends to net income (ytd only)* | 45.9390% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,180 |
| Loan loss allowance to noncurrent loans | 1,042.3841% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,272 |
| Noncurrent loans to loans | 0.1025% | 4,185 |
| Net loans and leases to total assets | 48.7457% | 4,491 |
| Net loans and leases to deposits | 57.8796% | 4,479 |
| Net loans and leases to core deposits | 59.4961% | 4,552 |
| Total domestic deposits to total assets | 84.2191% | 2,744 |
| Equity capital to assets | 10.9213% | 3,169 |
| Core capital (leverage) ratio | 10.3948% | 3,206 |
| Tier 1 risk-based capital ratio | 16.5610% | 2,244 |
| Total risk-based capital ratio | 17.4100% | 2,306 |
| Memoranda: | ||
| Average total assets | $292,362,750 | 2,220 |
| Average earning assets | $277,036,250 | 2,179 |
| Average equity | $30,141,250 | 2,402 |
| Average total loans | $143,274,500 | 2,709 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 3,937 |
| Cost of funding earning assets | 0.9459% | 1,937 |
| Net interest margin | 3.2497% | 4,240 |
| Noninterest income to average assets | 0.8230% | 1,273 |
| Noninterest expense to average assets | 3.0363% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8630% | 3,421 |
| Return on assets (ROA) | 0.9043% | 3,328 |
| Pretax return on assets | 0.9043% | 3,830 |
| Return on Equity (ROE) | 8.9543% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.2110% | 3,138 |
| Net charge-offs to loans | -0.0085% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8681% | 1,167 |
| Assets per employee ($millions) | 3.2470% | 4,742 |
| Cash dividends to net income (ytd only)* | 52.9726% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,206 |
| Loan loss allowance to noncurrent loans | 1,148.1752% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,340 |
| Noncurrent loans to loans | 0.0938% | 4,261 |
| Net loans and leases to total assets | 48.9084% | 4,528 |
| Net loans and leases to deposits | 57.4069% | 4,544 |
| Net loans and leases to core deposits | 58.9667% | 4,610 |
| Total domestic deposits to total assets | 85.1960% | 2,390 |
| Equity capital to assets | 10.6017% | 3,437 |
| Core capital (leverage) ratio | 10.2514% | 3,335 |
| Tier 1 risk-based capital ratio | 16.4181% | 2,273 |
| Total risk-based capital ratio | 17.2759% | 2,345 |
| Memoranda: | ||
| Average total assets | $290,158,330 | 2,235 |
| Average earning assets | $274,673,330 | 2,193 |
| Average equity | $29,304,330 | 2,439 |
| Average total loans | $141,928,670 | 2,745 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 3,948 |
| Cost of funding earning assets | 0.8987% | 2,012 |
| Net interest margin | 3.2762% | 4,218 |
| Noninterest income to average assets | 0.7861% | 1,323 |
| Noninterest expense to average assets | 3.0206% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8696% | 3,352 |
| Return on assets (ROA) | 0.8710% | 3,396 |
| Pretax return on assets | 0.8710% | 3,858 |
| Return on Equity (ROE) | 8.8501% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.6192% | 3,471 |
| Net charge-offs to loans | -0.0114% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6466% | 1,312 |
| Assets per employee ($millions) | 3.1968% | 4,835 |
| Cash dividends to net income (ytd only)* | 59.1054% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 2,957 |
| Loan loss allowance to noncurrent loans | 1,130.2158% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,373 |
| Noncurrent loans to loans | 0.1001% | 4,291 |
| Net loans and leases to total assets | 47.6972% | 4,596 |
| Net loans and leases to deposits | 57.0357% | 4,546 |
| Net loans and leases to core deposits | 58.3817% | 4,630 |
| Total domestic deposits to total assets | 83.6269% | 3,173 |
| Equity capital to assets | 10.2365% | 3,588 |
| Core capital (leverage) ratio | 10.4080% | 3,153 |
| Tier 1 risk-based capital ratio | 16.9807% | 2,108 |
| Total risk-based capital ratio | 17.8775% | 2,173 |
| Memoranda: | ||
| Average total assets | $287,497,000 | 2,265 |
| Average earning assets | $272,389,500 | 2,222 |
| Average equity | $28,293,500 | 2,502 |
| Average total loans | $139,849,000 | 2,799 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,984 |
| Cost of funding earning assets | 0.6514% | 2,383 |
| Net interest margin | 3.3624% | 4,098 |
| Noninterest income to average assets | 0.9170% | 1,136 |
| Noninterest expense to average assets | 3.0501% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0478% | 2,812 |
| Return on assets (ROA) | 1.0475% | 2,800 |
| Pretax return on assets | 1.0475% | 3,449 |
| Return on Equity (ROE) | 10.9513% | 2,105 |
| Retained earnings to average equity (ytd only) | 5.0524% | 2,734 |
| Net charge-offs to loans | 0.0105% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 204.2857% | 450 |
| Efficiency ratio | 74.4300% | 1,568 |
| Assets per employee ($millions) | 3.1920% | 4,848 |
| Cash dividends to net income (ytd only)* | 53.8650% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,025 |
| Loan loss allowance to noncurrent loans | 1,088.1944% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,366 |
| Noncurrent loans to loans | 0.1022% | 4,274 |
| Net loans and leases to total assets | 48.4992% | 4,605 |
| Net loans and leases to deposits | 56.2385% | 4,653 |
| Net loans and leases to core deposits | 57.2793% | 4,731 |
| Total domestic deposits to total assets | 86.2385% | 2,117 |
| Equity capital to assets | 9.4455% | 4,172 |
| Core capital (leverage) ratio | 10.3389% | 3,213 |
| Tier 1 risk-based capital ratio | 16.5744% | 2,214 |
| Total risk-based capital ratio | 17.4552% | 2,283 |
| Memoranda: | ||
| Average total assets | $272,942,000 | 2,311 |
| Average earning assets | $258,210,600 | 2,275 |
| Average equity | $26,106,600 | 2,563 |
| Average total loans | $133,170,600 | 2,843 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 4,046 |
| Cost of funding earning assets | 0.5880% | 2,561 |
| Net interest margin | 3.3719% | 4,097 |
| Noninterest income to average assets | 0.9202% | 1,139 |
| Noninterest expense to average assets | 3.0645% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0464% | 2,882 |
| Return on assets (ROA) | 1.0454% | 2,900 |
| Pretax return on assets | 1.0454% | 3,589 |
| Return on Equity (ROE) | 10.8936% | 2,220 |
| Retained earnings to average equity (ytd only) | 4.9103% | 3,286 |
| Net charge-offs to loans | -0.0071% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 1,516 |
| Assets per employee ($millions) | 3.0268% | 5,020 |
| Cash dividends to net income (ytd only)* | 54.9243% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,652 |
| Loan loss allowance to noncurrent loans | 7,945.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,719 |
| Noncurrent loans to loans | 0.0150% | 4,846 |
| Net loans and leases to total assets | 48.2426% | 4,704 |
| Net loans and leases to deposits | 56.1514% | 4,746 |
| Net loans and leases to core deposits | 57.1754% | 4,816 |
| Total domestic deposits to total assets | 85.9152% | 2,234 |
| Equity capital to assets | 9.3427% | 4,233 |
| Core capital (leverage) ratio | 10.5620% | 3,014 |
| Tier 1 risk-based capital ratio | 17.3883% | 1,970 |
| Total risk-based capital ratio | 18.3371% | 2,014 |
| Memoranda: | ||
| Average total assets | $269,357,750 | 2,346 |
| Average earning assets | $254,882,750 | 2,313 |
| Average equity | $25,849,500 | 2,590 |
| Average total loans | $131,239,500 | 2,885 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,100 |
| Cost of funding earning assets | 0.5492% | 2,616 |
| Net interest margin | 3.3416% | 4,131 |
| Noninterest income to average assets | 0.9317% | 1,101 |
| Noninterest expense to average assets | 3.0767% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0159% | 2,948 |
| Return on assets (ROA) | 1.0166% | 2,951 |
| Pretax return on assets | 1.0166% | 3,611 |
| Return on Equity (ROE) | 10.4994% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.4954% | 3,347 |
| Net charge-offs to loans | -0.0061% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1776% | 1,534 |
| Assets per employee ($millions) | 3.0766% | 5,047 |
| Cash dividends to net income (ytd only)* | 57.1848% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,674 |
| Loan loss allowance to noncurrent loans | 7,552.3810% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,784 |
| Noncurrent loans to loans | 0.0160% | 4,873 |
| Net loans and leases to total assets | 46.9199% | 4,772 |
| Net loans and leases to deposits | 54.0825% | 4,842 |
| Net loans and leases to core deposits | 55.3943% | 4,885 |
| Total domestic deposits to total assets | 86.7563% | 1,945 |
| Equity capital to assets | 9.3112% | 4,273 |
| Core capital (leverage) ratio | 10.4678% | 3,065 |
| Tier 1 risk-based capital ratio | 16.9869% | 2,104 |
| Total risk-based capital ratio | 17.9238% | 2,154 |
| Memoranda: | ||
| Average total assets | $268,338,670 | 2,362 |
| Average earning assets | $253,833,670 | 2,331 |
| Average equity | $25,982,330 | 2,590 |
| Average total loans | $130,649,670 | 2,903 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,170 |
| Cost of funding earning assets | 0.4850% | 2,907 |
| Net interest margin | 3.3323% | 4,097 |
| Noninterest income to average assets | 0.9119% | 1,119 |
| Noninterest expense to average assets | 3.0675% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9983% | 2,862 |
| Return on assets (ROA) | 0.9983% | 2,883 |
| Pretax return on assets | 0.9983% | 3,537 |
| Return on Equity (ROE) | 10.1064% | 2,375 |
| Retained earnings to average equity (ytd only) | 3.9720% | 3,600 |
| Net charge-offs to loans | -0.0061% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4471% | 1,678 |
| Assets per employee ($millions) | 2.9515% | 5,181 |
| Cash dividends to net income (ytd only)* | 60.6980% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,894 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 47.4583% | 4,724 |
| Net loans and leases to deposits | 55.5870% | 4,717 |
| Net loans and leases to core deposits | 56.8486% | 4,802 |
| Total domestic deposits to total assets | 85.3767% | 2,794 |
| Equity capital to assets | 9.6254% | 3,971 |
| Core capital (leverage) ratio | 10.6833% | 2,752 |
| Tier 1 risk-based capital ratio | 17.4113% | 2,001 |
| Total risk-based capital ratio | 18.3814% | 2,037 |
| Memoranda: | ||
| Average total assets | $264,061,500 | 2,411 |
| Average earning assets | $249,918,500 | 2,380 |
| Average equity | $26,082,500 | 2,606 |
| Average total loans | $130,222,500 | 2,932 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 4,055 |
| Cost of funding earning assets | 0.3719% | 3,498 |
| Net interest margin | 3.4254% | 3,770 |
| Noninterest income to average assets | 0.9855% | 1,056 |
| Noninterest expense to average assets | 3.0208% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1992% | 1,527 |
| Return on assets (ROA) | 1.3032% | 1,228 |
| Pretax return on assets | 1.3032% | 2,334 |
| Return on Equity (ROE) | 13.1477% | 919 |
| Retained earnings to average equity (ytd only) | 6.3485% | 1,356 |
| Net charge-offs to loans | 0.0094% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 259.5000% | 324 |
| Efficiency ratio | 71.5824% | 2,295 |
| Assets per employee ($millions) | 2.9166% | 5,255 |
| Cash dividends to net income (ytd only)* | 51.7139% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,913 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.9882% | 4,650 |
| Net loans and leases to deposits | 59.0620% | 4,640 |
| Net loans and leases to core deposits | 60.2946% | 4,743 |
| Total domestic deposits to total assets | 84.6369% | 2,981 |
| Equity capital to assets | 10.1325% | 3,557 |
| Core capital (leverage) ratio | 10.5870% | 2,749 |
| Tier 1 risk-based capital ratio | 16.6265% | 2,221 |
| Total risk-based capital ratio | 17.5603% | 2,267 |
| Memoranda: | ||
| Average total assets | $259,668,600 | 2,419 |
| Average earning assets | $245,195,400 | 2,380 |
| Average equity | $25,738,400 | 2,625 |
| Average total loans | $127,597,400 | 2,947 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,136 |
| Cost of funding earning assets | 0.3540% | 3,623 |
| Net interest margin | 3.4077% | 3,821 |
| Noninterest income to average assets | 1.0241% | 975 |
| Noninterest expense to average assets | 3.0413% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1991% | 1,695 |
| Return on assets (ROA) | 1.3309% | 1,275 |
| Pretax return on assets | 1.3309% | 2,357 |
| Return on Equity (ROE) | 13.5034% | 931 |
| Retained earnings to average equity (ytd only) | 6.7125% | 1,835 |
| Net charge-offs to loans | -0.0106% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7217% | 2,242 |
| Assets per employee ($millions) | 2.9071% | 5,323 |
| Cash dividends to net income (ytd only)* | 50.2901% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,303.2520% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,779 |
| Noncurrent loans to loans | 0.0953% | 4,685 |
| Net loans and leases to total assets | 48.6969% | 4,784 |
| Net loans and leases to deposits | 57.7890% | 4,771 |
| Net loans and leases to core deposits | 58.9341% | 4,874 |
| Total domestic deposits to total assets | 84.2667% | 3,018 |
| Equity capital to assets | 10.3844% | 3,495 |
| Core capital (leverage) ratio | 10.5552% | 2,926 |
| Tier 1 risk-based capital ratio | 16.5840% | 2,294 |
| Total risk-based capital ratio | 17.5396% | 2,338 |
| Memoranda: | ||
| Average total assets | $258,962,750 | 2,439 |
| Average earning assets | $244,422,750 | 2,403 |
| Average equity | $25,523,750 | 2,661 |
| Average total loans | $126,297,500 | 2,993 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 4,273 |
| Cost of funding earning assets | 0.3383% | 3,711 |
| Net interest margin | 3.3459% | 3,965 |
| Noninterest income to average assets | 1.0276% | 962 |
| Noninterest expense to average assets | 3.0682% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1175% | 1,897 |
| Return on assets (ROA) | 1.3051% | 1,304 |
| Pretax return on assets | 1.3051% | 2,363 |
| Return on Equity (ROE) | 13.4855% | 926 |
| Retained earnings to average equity (ytd only) | 6.6787% | 1,751 |
| Net charge-offs to loans | -0.0207% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3012% | 2,129 |
| Assets per employee ($millions) | 3.0014% | 5,266 |
| Cash dividends to net income (ytd only)* | 50.4751% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,772 |
| Loan loss allowance to noncurrent loans | 2,171.6216% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,914 |
| Noncurrent loans to loans | 0.0570% | 4,902 |
| Net loans and leases to total assets | 47.4799% | 4,854 |
| Net loans and leases to deposits | 57.0886% | 4,797 |
| Net loans and leases to core deposits | 58.1975% | 4,912 |
| Total domestic deposits to total assets | 83.1688% | 3,518 |
| Equity capital to assets | 9.9573% | 3,962 |
| Core capital (leverage) ratio | 10.4996% | 2,918 |
| Tier 1 risk-based capital ratio | 16.2119% | 2,426 |
| Total risk-based capital ratio | 17.1638% | 2,479 |
| Memoranda: | ||
| Average total assets | $258,069,330 | 2,453 |
| Average earning assets | $243,580,330 | 2,419 |
| Average equity | $24,975,000 | 2,707 |
| Average total loans | $125,391,670 | 3,016 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,237 |
| Cost of funding earning assets | 0.3127% | 3,919 |
| Net interest margin | 3.3474% | 3,856 |
| Noninterest income to average assets | 1.1173% | 798 |
| Noninterest expense to average assets | 3.1836% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0935% | 1,899 |
| Return on assets (ROA) | 1.3807% | 1,069 |
| Pretax return on assets | 1.3807% | 1,948 |
| Return on Equity (ROE) | 14.4915% | 729 |
| Retained earnings to average equity (ytd only) | 7.8288% | 1,534 |
| Net charge-offs to loans | -0.0390% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4341% | 2,157 |
| Assets per employee ($millions) | 2.8186% | 5,478 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,713 |
| Loan loss allowance to noncurrent loans | 979.2683% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,827 |
| Noncurrent loans to loans | 0.1292% | 4,668 |
| Net loans and leases to total assets | 49.3965% | 4,723 |
| Net loans and leases to deposits | 58.5923% | 4,661 |
| Net loans and leases to core deposits | 59.7165% | 4,791 |
| Total domestic deposits to total assets | 84.3053% | 3,357 |
| Equity capital to assets | 9.6574% | 4,116 |
| Core capital (leverage) ratio | 10.6826% | 2,700 |
| Tier 1 risk-based capital ratio | 15.9602% | 2,564 |
| Total risk-based capital ratio | 16.9094% | 2,624 |
| Memoranda: | ||
| Average total assets | $252,042,500 | 2,524 |
| Average earning assets | $237,917,500 | 2,485 |
| Average equity | $24,014,000 | 2,791 |
| Average total loans | $123,157,000 | 3,070 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,451 |
| Cost of funding earning assets | 0.2583% | 4,485 |
| Net interest margin | 3.3655% | 3,937 |
| Noninterest income to average assets | 1.1044% | 939 |
| Noninterest expense to average assets | 3.2918% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9745% | 2,463 |
| Return on assets (ROA) | 1.2473% | 1,447 |
| Pretax return on assets | 1.2473% | 2,482 |
| Return on Equity (ROE) | 11.4406% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.1936% | 2,207 |
| Net charge-offs to loans | -0.0053% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1589% | 1,819 |
| Assets per employee ($millions) | 2.7824% | 5,504 |
| Cash dividends to net income (ytd only)* | 54.6035% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,363 |
| Loan loss allowance to noncurrent loans | 1,172.0588% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 4,839 |
| Noncurrent loans to loans | 0.1139% | 4,777 |
| Net loans and leases to total assets | 47.0459% | 4,954 |
| Net loans and leases to deposits | 55.2388% | 4,954 |
| Net loans and leases to core deposits | 56.0477% | 5,045 |
| Total domestic deposits to total assets | 85.1681% | 2,974 |
| Equity capital to assets | 9.3965% | 4,376 |
| Core capital (leverage) ratio | 10.4962% | 2,887 |
| Tier 1 risk-based capital ratio | 15.6000% | 2,707 |
| Total risk-based capital ratio | 16.5370% | 2,776 |
| Memoranda: | ||
| Average total assets | $238,589,800 | 2,592 |
| Average earning assets | $224,156,600 | 2,555 |
| Average equity | $26,012,600 | 2,634 |
| Average total loans | $112,578,200 | 3,180 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 4,546 |
| Cost of funding earning assets | 0.2531% | 4,576 |
| Net interest margin | 3.3509% | 4,025 |
| Noninterest income to average assets | 1.1351% | 893 |
| Noninterest expense to average assets | 3.3311% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9506% | 2,651 |
| Return on assets (ROA) | 1.3048% | 1,368 |
| Pretax return on assets | 1.3048% | 2,412 |
| Return on Equity (ROE) | 11.5442% | 1,479 |
| Retained earnings to average equity (ytd only) | 5.4117% | 2,543 |
| Net charge-offs to loans | -0.0060% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7983% | 1,712 |
| Assets per employee ($millions) | 2.7084% | 5,601 |
| Cash dividends to net income (ytd only)* | 53.1222% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,525 |
| Loan loss allowance to noncurrent loans | 931.5789% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,925 |
| Noncurrent loans to loans | 0.1430% | 4,768 |
| Net loans and leases to total assets | 48.4052% | 4,933 |
| Net loans and leases to deposits | 55.4399% | 5,029 |
| Net loans and leases to core deposits | 56.2664% | 5,139 |
| Total domestic deposits to total assets | 87.3110% | 1,757 |
| Equity capital to assets | 11.1801% | 2,816 |
| Core capital (leverage) ratio | 10.8865% | 2,586 |
| Tier 1 risk-based capital ratio | 16.1164% | 2,577 |
| Total risk-based capital ratio | 17.0938% | 2,629 |
| Memoranda: | ||
| Average total assets | $235,634,000 | 2,626 |
| Average earning assets | $221,265,250 | 2,595 |
| Average equity | $26,633,250 | 2,611 |
| Average total loans | $110,872,000 | 3,214 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 4,544 |
| Cost of funding earning assets | 0.2562% | 4,593 |
| Net interest margin | 3.3596% | 4,025 |
| Noninterest income to average assets | 1.0639% | 989 |
| Noninterest expense to average assets | 3.3195% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8964% | 2,882 |
| Return on assets (ROA) | 1.2639% | 1,499 |
| Pretax return on assets | 1.2639% | 2,545 |
| Return on Equity (ROE) | 11.1401% | 1,594 |
| Retained earnings to average equity (ytd only) | 5.8425% | 2,219 |
| Net charge-offs to loans | -0.0074% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7373% | 1,686 |
| Assets per employee ($millions) | 2.6921% | 5,682 |
| Cash dividends to net income (ytd only)* | 47.5543% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 2,194 |
| Loan loss allowance to noncurrent loans | 5,896.2963% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 4,197 |
| Noncurrent loans to loans | 0.0242% | 5,373 |
| Net loans and leases to total assets | 45.4765% | 5,160 |
| Net loans and leases to deposits | 52.1384% | 5,243 |
| Net loans and leases to core deposits | 52.9202% | 5,325 |
| Total domestic deposits to total assets | 87.2226% | 1,796 |
| Equity capital to assets | 11.1871% | 2,858 |
| Core capital (leverage) ratio | 10.8597% | 2,582 |
| Tier 1 risk-based capital ratio | 16.8111% | 2,301 |
| Total risk-based capital ratio | 17.8422% | 2,344 |
| Memoranda: | ||
| Average total assets | $232,927,000 | 2,655 |
| Average earning assets | $218,541,000 | 2,629 |
| Average equity | $26,427,000 | 2,634 |
| Average total loans | $107,968,330 | 3,270 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,374 |
| Cost of funding earning assets | 0.2542% | 4,656 |
| Net interest margin | 3.4320% | 3,754 |
| Noninterest income to average assets | 0.9989% | 1,078 |
| Noninterest expense to average assets | 3.3525% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8640% | 2,925 |
| Return on assets (ROA) | 0.9428% | 2,659 |
| Pretax return on assets | 0.9428% | 3,683 |
| Return on Equity (ROE) | 8.2490% | 2,783 |
| Retained earnings to average equity (ytd only) | 2.8826% | 4,074 |
| Net charge-offs to loans | -0.0038% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5096% | 1,664 |
| Assets per employee ($millions) | 2.5580% | 5,819 |
| Cash dividends to net income (ytd only)* | 65.0558% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,046 |
| Loan loss allowance to noncurrent loans | 575.7246% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 3,627 |
| Noncurrent loans to loans | 0.2584% | 4,512 |
| Net loans and leases to total assets | 45.7076% | 5,138 |
| Net loans and leases to deposits | 53.4358% | 5,137 |
| Net loans and leases to core deposits | 54.2960% | 5,232 |
| Total domestic deposits to total assets | 85.5374% | 2,896 |
| Equity capital to assets | 11.5202% | 2,426 |
| Core capital (leverage) ratio | 11.1735% | 2,247 |
| Tier 1 risk-based capital ratio | 18.4520% | 1,866 |
| Total risk-based capital ratio | 19.6076% | 1,852 |
| Memoranda: | ||
| Average total assets | $228,246,500 | 2,706 |
| Average earning assets | $213,986,000 | 2,685 |
| Average equity | $26,088,000 | 2,652 |
| Average total loans | $106,064,500 | 3,316 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,232 |
| Cost of funding earning assets | 0.2688% | 4,601 |
| Net interest margin | 3.4715% | 3,629 |
| Noninterest income to average assets | 1.1949% | 843 |
| Noninterest expense to average assets | 3.3708% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0485% | 2,131 |
| Return on assets (ROA) | 1.0807% | 2,073 |
| Pretax return on assets | 1.0807% | 3,150 |
| Return on Equity (ROE) | 9.5307% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.2479% | 2,965 |
| Net charge-offs to loans | -0.2042% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2740% | 2,232 |
| Assets per employee ($millions) | 2.5141% | 5,886 |
| Cash dividends to net income (ytd only)* | 55.4298% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,964 |
| Loan loss allowance to noncurrent loans | 1,334.4538% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,718 |
| Noncurrent loans to loans | 0.1130% | 5,049 |
| Net loans and leases to total assets | 45.8402% | 5,175 |
| Net loans and leases to deposits | 52.9650% | 5,217 |
| Net loans and leases to core deposits | 53.6627% | 5,337 |
| Total domestic deposits to total assets | 86.5480% | 2,355 |
| Equity capital to assets | 11.3377% | 2,509 |
| Core capital (leverage) ratio | 10.7489% | 2,662 |
| Tier 1 risk-based capital ratio | 17.7631% | 2,034 |
| Total risk-based capital ratio | 18.8831% | 2,033 |
| Memoranda: | ||
| Average total assets | $220,686,600 | 2,738 |
| Average earning assets | $204,986,000 | 2,731 |
| Average equity | $25,024,400 | 2,693 |
| Average total loans | $99,411,600 | 3,391 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,300 |
| Cost of funding earning assets | 0.2689% | 4,675 |
| Net interest margin | 3.4695% | 3,670 |
| Noninterest income to average assets | 1.2446% | 780 |
| Noninterest expense to average assets | 3.4304% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0306% | 2,327 |
| Return on assets (ROA) | 1.0731% | 2,214 |
| Pretax return on assets | 1.0731% | 3,322 |
| Return on Equity (ROE) | 9.4634% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.5199% | 3,256 |
| Net charge-offs to loans | -0.0041% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8979% | 2,106 |
| Assets per employee ($millions) | 2.6803% | 5,846 |
| Cash dividends to net income (ytd only)* | 52.2379% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,852 |
| Loan loss allowance to noncurrent loans | 1,308.4906% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 3,874 |
| Noncurrent loans to loans | 0.1031% | 5,224 |
| Net loans and leases to total assets | 44.4981% | 5,327 |
| Net loans and leases to deposits | 51.4662% | 5,394 |
| Net loans and leases to core deposits | 52.7105% | 5,471 |
| Total domestic deposits to total assets | 86.4610% | 2,302 |
| Equity capital to assets | 11.2337% | 2,766 |
| Core capital (leverage) ratio | 11.1109% | 2,383 |
| Tier 1 risk-based capital ratio | 17.7424% | 2,106 |
| Total risk-based capital ratio | 18.7281% | 2,148 |
| Memoranda: | ||
| Average total assets | $219,290,500 | 2,779 |
| Average earning assets | $203,289,250 | 2,765 |
| Average equity | $24,867,000 | 2,723 |
| Average total loans | $97,936,750 | 3,451 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 4,292 |
| Cost of funding earning assets | 0.2744% | 4,677 |
| Net interest margin | 3.4615% | 3,653 |
| Noninterest income to average assets | 1.2031% | 837 |
| Noninterest expense to average assets | 3.4567% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9406% | 2,684 |
| Return on assets (ROA) | 1.0016% | 2,490 |
| Pretax return on assets | 1.0016% | 3,582 |
| Return on Equity (ROE) | 8.8041% | 2,653 |
| Retained earnings to average equity (ytd only) | 3.7604% | 3,613 |
| Net charge-offs to loans | 0.0042% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 131 |
| Efficiency ratio | 78.6090% | 1,972 |
| Assets per employee ($millions) | 2.6519% | 5,950 |
| Cash dividends to net income (ytd only)* | 57.2878% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 2,951 |
| Loan loss allowance to noncurrent loans | 1,411.2245% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 3,541 |
| Noncurrent loans to loans | 0.0961% | 5,356 |
| Net loans and leases to total assets | 44.6045% | 5,344 |
| Net loans and leases to deposits | 50.9347% | 5,454 |
| Net loans and leases to core deposits | 52.1621% | 5,531 |
| Total domestic deposits to total assets | 87.5719% | 1,866 |
| Equity capital to assets | 10.7503% | 3,167 |
| Core capital (leverage) ratio | 10.9467% | 2,484 |
| Tier 1 risk-based capital ratio | 17.5719% | 2,193 |
| Total risk-based capital ratio | 18.5604% | 2,245 |
| Memoranda: | ||
| Average total assets | $216,446,330 | 2,818 |
| Average earning assets | $199,739,330 | 2,823 |
| Average equity | $24,625,000 | 2,755 |
| Average total loans | $96,327,670 | 3,502 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,186 |
| Cost of funding earning assets | 0.2783% | 4,688 |
| Net interest margin | 3.4751% | 3,529 |
| Noninterest income to average assets | 1.1172% | 910 |
| Noninterest expense to average assets | 3.4270% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8718% | 2,890 |
| Return on assets (ROA) | 0.9643% | 2,559 |
| Pretax return on assets | 0.9643% | 3,630 |
| Return on Equity (ROE) | 8.2348% | 2,837 |
| Retained earnings to average equity (ytd only) | 3.0457% | 4,154 |
| Net charge-offs to loans | -0.0257% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7191% | 1,930 |
| Assets per employee ($millions) | 2.5233% | 6,094 |
| Cash dividends to net income (ytd only)* | 63.0137% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 2,602 |
| Loan loss allowance to noncurrent loans | 1,931.9444% | 314 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 2,556 |
| Noncurrent loans to loans | 0.0757% | 5,470 |
| Net loans and leases to total assets | 43.6717% | 5,374 |
| Net loans and leases to deposits | 50.6040% | 5,416 |
| Net loans and leases to core deposits | 52.1218% | 5,482 |
| Total domestic deposits to total assets | 86.3008% | 2,766 |
| Equity capital to assets | 11.7442% | 2,245 |
| Core capital (leverage) ratio | 11.4912% | 2,005 |
| Tier 1 risk-based capital ratio | 17.9143% | 2,165 |
| Total risk-based capital ratio | 18.9393% | 2,204 |
| Memoranda: | ||
| Average total assets | $211,965,500 | 2,888 |
| Average earning assets | $194,069,000 | 2,903 |
| Average equity | $24,821,500 | 2,763 |
| Average total loans | $93,529,000 | 3,579 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,677 |
| Cost of funding earning assets | 0.3229% | 4,554 |
| Net interest margin | 3.6915% | 3,037 |
| Noninterest income to average assets | 1.3397% | 680 |
| Noninterest expense to average assets | 3.5209% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2171% | 1,536 |
| Return on assets (ROA) | 1.2400% | 1,522 |
| Pretax return on assets | 1.2400% | 2,486 |
| Return on Equity (ROE) | 11.5112% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.1372% | 1,840 |
| Net charge-offs to loans | 0.6777% | 554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.0355% | 3,753 |
| Efficiency ratio | 74.3121% | 2,785 |
| Assets per employee ($millions) | 2.4641% | 6,179 |
| Cash dividends to net income (ytd only)* | 46.6850% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 2,443 |
| Loan loss allowance to noncurrent loans | 251.5426% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 2,543 |
| Noncurrent loans to loans | 0.5989% | 3,874 |
| Net loans and leases to total assets | 43.2626% | 5,515 |
| Net loans and leases to deposits | 50.1012% | 5,574 |
| Net loans and leases to core deposits | 50.9907% | 5,667 |
| Total domestic deposits to total assets | 86.3505% | 2,643 |
| Equity capital to assets | 11.6753% | 2,275 |
| Core capital (leverage) ratio | 11.2157% | 2,207 |
| Tier 1 risk-based capital ratio | 18.9454% | 1,866 |
| Total risk-based capital ratio | 20.0339% | 1,875 |
| Memoranda: | ||
| Average total assets | $205,569,800 | 2,926 |
| Average earning assets | $189,243,800 | 2,911 |
| Average equity | $22,143,600 | 2,934 |
| Average total loans | $91,485,000 | 3,604 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,764 |
| Cost of funding earning assets | 0.3296% | 4,571 |
| Net interest margin | 3.6694% | 3,156 |
| Noninterest income to average assets | 1.4102% | 628 |
| Noninterest expense to average assets | 3.5275% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2786% | 1,443 |
| Return on assets (ROA) | 1.3131% | 1,389 |
| Pretax return on assets | 1.3131% | 2,324 |
| Return on Equity (ROE) | 12.4576% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.5673% | 1,548 |
| Net charge-offs to loans | 0.6188% | 584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.6273% | 3,411 |
| Efficiency ratio | 73.3966% | 2,923 |
| Assets per employee ($millions) | 2.4524% | 6,258 |
| Cash dividends to net income (ytd only)* | 39.2556% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 2,191 |
| Loan loss allowance to noncurrent loans | 87.4447% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.6968% | 1,775 |
| Noncurrent loans to loans | 1.8670% | 1,713 |
| Net loans and leases to total assets | 45.6976% | 5,407 |
| Net loans and leases to deposits | 52.5373% | 5,501 |
| Net loans and leases to core deposits | 53.8449% | 5,576 |
| Total domestic deposits to total assets | 86.9811% | 2,333 |
| Equity capital to assets | 11.2180% | 2,741 |
| Core capital (leverage) ratio | 11.5813% | 1,994 |
| Tier 1 risk-based capital ratio | 18.2557% | 2,131 |
| Total risk-based capital ratio | 19.4589% | 2,104 |
| Memoranda: | ||
| Average total assets | $204,599,500 | 2,962 |
| Average earning assets | $189,343,000 | 2,941 |
| Average equity | $21,566,000 | 2,996 |
| Average total loans | $91,356,250 | 3,635 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,676 |
| Cost of funding earning assets | 0.3390% | 4,548 |
| Net interest margin | 3.6753% | 3,048 |
| Noninterest income to average assets | 1.2542% | 742 |
| Noninterest expense to average assets | 3.5511% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1047% | 1,928 |
| Return on assets (ROA) | 1.1470% | 1,850 |
| Pretax return on assets | 1.1470% | 2,897 |
| Return on Equity (ROE) | 11.1260% | 1,702 |
| Retained earnings to average equity (ytd only) | 6.4408% | 2,070 |
| Net charge-offs to loans | 0.9360% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6802% | 3,491 |
| Efficiency ratio | 76.2730% | 2,571 |
| Assets per employee ($millions) | 2.4240% | 6,338 |
| Cash dividends to net income (ytd only)* | 42.1098% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 1,955 |
| Loan loss allowance to noncurrent loans | 176.0266% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 2,431 |
| Noncurrent loans to loans | 0.9989% | 3,236 |
| Net loans and leases to total assets | 42.0195% | 5,676 |
| Net loans and leases to deposits | 47.9251% | 5,775 |
| Net loans and leases to core deposits | 49.0252% | 5,850 |
| Total domestic deposits to total assets | 87.6775% | 2,098 |
| Equity capital to assets | 10.6079% | 3,303 |
| Core capital (leverage) ratio | 11.1048% | 2,326 |
| Tier 1 risk-based capital ratio | 19.1891% | 1,877 |
| Total risk-based capital ratio | 20.4401% | 1,839 |
| Memoranda: | ||
| Average total assets | $203,315,670 | 2,993 |
| Average earning assets | $188,173,330 | 2,975 |
| Average equity | $20,960,000 | 3,060 |
| Average total loans | $89,529,000 | 3,687 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 3,663 |
| Cost of funding earning assets | 0.3410% | 4,636 |
| Net interest margin | 3.6642% | 3,006 |
| Noninterest income to average assets | 1.3893% | 601 |
| Noninterest expense to average assets | 3.5303% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2630% | 1,313 |
| Return on assets (ROA) | 1.2088% | 1,524 |
| Pretax return on assets | 1.2088% | 2,455 |
| Return on Equity (ROE) | 11.9085% | 1,436 |
| Retained earnings to average equity (ytd only) | 5.9839% | 2,553 |
| Net charge-offs to loans | 1.2871% | 259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.1951% | 2,931 |
| Efficiency ratio | 73.6512% | 3,207 |
| Assets per employee ($millions) | 2.3169% | 6,460 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 1,703 |
| Loan loss allowance to noncurrent loans | 130.4480% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.5330% | 2,307 |
| Noncurrent loans to loans | 1.4689% | 2,586 |
| Net loans and leases to total assets | 43.6275% | 5,543 |
| Net loans and leases to deposits | 49.6662% | 5,620 |
| Net loans and leases to core deposits | 50.8565% | 5,699 |
| Total domestic deposits to total assets | 87.8413% | 2,318 |
| Equity capital to assets | 10.4183% | 3,332 |
| Core capital (leverage) ratio | 11.5945% | 1,901 |
| Tier 1 risk-based capital ratio | 19.1059% | 1,934 |
| Total risk-based capital ratio | 20.3583% | 1,899 |
| Memoranda: | ||
| Average total assets | $199,528,500 | 3,057 |
| Average earning assets | $185,360,000 | 3,027 |
| Average equity | $20,254,500 | 3,141 |
| Average total loans | $89,193,000 | 3,714 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 2,960 |
| Cost of funding earning assets | 0.4187% | 4,446 |
| Net interest margin | 3.8816% | 2,361 |
| Noninterest income to average assets | 1.4888% | 635 |
| Noninterest expense to average assets | 3.6493% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4227% | 980 |
| Return on assets (ROA) | 1.4919% | 884 |
| Pretax return on assets | 1.4919% | 1,471 |
| Return on Equity (ROE) | 13.7873% | 996 |
| Retained earnings to average equity (ytd only) | 10.5652% | 481 |
| Net charge-offs to loans | 0.0823% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 36.0909% | 1,036 |
| Efficiency ratio | 71.9491% | 3,484 |
| Assets per employee ($millions) | 2.2700% | 6,535 |
| Cash dividends to net income (ytd only)* | 23.3699% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2597% | 1,095 |
| Loan loss allowance to noncurrent loans | 71.2762% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 1,920 |
| Noncurrent loans to loans | 3.1703% | 1,075 |
| Net loans and leases to total assets | 43.9133% | 5,679 |
| Net loans and leases to deposits | 49.7919% | 5,785 |
| Net loans and leases to core deposits | 50.6358% | 5,897 |
| Total domestic deposits to total assets | 88.1938% | 2,061 |
| Equity capital to assets | 9.8785% | 3,928 |
| Core capital (leverage) ratio | 11.2070% | 2,188 |
| Tier 1 risk-based capital ratio | 18.9647% | 1,932 |
| Total risk-based capital ratio | 20.2203% | 1,889 |
| Memoranda: | ||
| Average total assets | $195,326,400 | 3,083 |
| Average earning assets | $180,312,600 | 3,065 |
| Average equity | $21,135,400 | 3,019 |
| Average total loans | $93,526,000 | 3,611 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 3,048 |
| Cost of funding earning assets | 0.4292% | 4,513 |
| Net interest margin | 3.8585% | 2,428 |
| Noninterest income to average assets | 1.5634% | 600 |
| Noninterest expense to average assets | 3.5936% | 1,411 |
| Loan and lease loss provision to assets | 0.1198% | 2,799 |
| Net operating income to assets | 1.4066% | 1,089 |
| Return on assets (ROA) | 1.4963% | 952 |
| Pretax return on assets | 1.4963% | 1,623 |
| Return on Equity (ROE) | 13.5298% | 1,116 |
| Retained earnings to average equity (ytd only) | 11.1717% | 548 |
| Net charge-offs to loans | 0.0929% | 3,634 |
| Credit loss provision to net charge-offs | 265.1515% | 946 |
| Earnings coverage of net charge-offs (x) | 33.7870% | 1,135 |
| Efficiency ratio | 70.1872% | 3,730 |
| Assets per employee ($millions) | 2.2385% | 6,622 |
| Cash dividends to net income (ytd only)* | 17.4292% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 1,254 |
| Loan loss allowance to noncurrent loans | 77.6950% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.9768% | 2,048 |
| Noncurrent loans to loans | 2.8959% | 1,416 |
| Net loans and leases to total assets | 48.3220% | 5,314 |
| Net loans and leases to deposits | 55.4625% | 5,417 |
| Net loans and leases to core deposits | 56.4726% | 5,582 |
| Total domestic deposits to total assets | 87.1255% | 2,621 |
| Equity capital to assets | 10.5474% | 3,219 |
| Core capital (leverage) ratio | 11.4302% | 2,098 |
| Tier 1 risk-based capital ratio | 17.3609% | 2,555 |
| Total risk-based capital ratio | 18.6163% | 2,525 |
| Memoranda: | ||
| Average total assets | $194,785,750 | 3,119 |
| Average earning assets | $179,547,750 | 3,107 |
| Average equity | $21,542,000 | 3,013 |
| Average total loans | $94,725,250 | 3,605 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 3,201 |
| Cost of funding earning assets | 0.4400% | 4,544 |
| Net interest margin | 3.7966% | 2,569 |
| Noninterest income to average assets | 1.5985% | 619 |
| Noninterest expense to average assets | 3.6011% | 1,411 |
| Loan and lease loss provision to assets | 0.1031% | 3,077 |
| Net operating income to assets | 1.3893% | 1,103 |
| Return on assets (ROA) | 1.4780% | 1,008 |
| Pretax return on assets | 1.4780% | 1,680 |
| Return on Equity (ROE) | 13.1578% | 1,208 |
| Retained earnings to average equity (ytd only) | 9.6619% | 925 |
| Net charge-offs to loans | 0.0959% | 3,400 |
| Credit loss provision to net charge-offs | 222.2222% | 1,097 |
| Earnings coverage of net charge-offs (x) | 32.1778% | 1,097 |
| Efficiency ratio | 70.7001% | 3,695 |
| Assets per employee ($millions) | 2.1872% | 6,686 |
| Cash dividends to net income (ytd only)* | 26.5690% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1544% | 1,522 |
| Loan loss allowance to noncurrent loans | 79.4205% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9939% | 2,157 |
| Noncurrent loans to loans | 2.7127% | 1,681 |
| Net loans and leases to total assets | 49.3259% | 5,181 |
| Net loans and leases to deposits | 56.1756% | 5,319 |
| Net loans and leases to core deposits | 56.9242% | 5,529 |
| Total domestic deposits to total assets | 87.8066% | 2,378 |
| Equity capital to assets | 10.6664% | 3,098 |
| Core capital (leverage) ratio | 10.6259% | 2,737 |
| Tier 1 risk-based capital ratio | 16.5879% | 2,898 |
| Total risk-based capital ratio | 17.8431% | 2,852 |
| Memoranda: | ||
| Average total assets | $194,052,000 | 3,140 |
| Average earning assets | $178,633,330 | 3,138 |
| Average equity | $21,797,000 | 3,008 |
| Average total loans | $93,840,670 | 3,636 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 3,226 |
| Cost of funding earning assets | 0.4474% | 4,625 |
| Net interest margin | 3.7691% | 2,574 |
| Noninterest income to average assets | 1.6008% | 609 |
| Noninterest expense to average assets | 3.6252% | 1,376 |
| Loan and lease loss provision to assets | 0.1557% | 2,310 |
| Net operating income to assets | 1.2831% | 1,326 |
| Return on assets (ROA) | 1.3247% | 1,319 |
| Pretax return on assets | 1.3247% | 2,141 |
| Return on Equity (ROE) | 11.4970% | 1,558 |
| Retained earnings to average equity (ytd only) | 8.9201% | 1,405 |
| Net charge-offs to loans | 0.2063% | 2,186 |
| Credit loss provision to net charge-offs | 159.5745% | 1,301 |
| Earnings coverage of net charge-offs (x) | 14.7447% | 1,440 |
| Efficiency ratio | 71.5867% | 3,690 |
| Assets per employee ($millions) | 2.2148% | 6,759 |
| Cash dividends to net income (ytd only)* | 22.4138% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2743% | 1,450 |
| Loan loss allowance to noncurrent loans | 103.2290% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3342% | 1,990 |
| Noncurrent loans to loans | 2.2031% | 2,383 |
| Net loans and leases to total assets | 45.9968% | 5,440 |
| Net loans and leases to deposits | 52.8202% | 5,540 |
| Net loans and leases to core deposits | 53.3200% | 5,723 |
| Total domestic deposits to total assets | 87.0817% | 2,915 |
| Equity capital to assets | 11.4075% | 2,512 |
| Core capital (leverage) ratio | 10.9786% | 2,285 |
| Tier 1 risk-based capital ratio | 16.9991% | 2,750 |
| Total risk-based capital ratio | 18.2547% | 2,721 |
| Memoranda: | ||
| Average total assets | $192,652,000 | 3,186 |
| Average earning assets | $177,019,500 | 3,184 |
| Average equity | $22,197,000 | 3,005 |
| Average total loans | $91,142,500 | 3,719 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 2,118 |
| Cost of funding earning assets | 0.5712% | 4,627 |
| Net interest margin | 4.2489% | 1,521 |
| Noninterest income to average assets | 1.7093% | 557 |
| Noninterest expense to average assets | 3.9318% | 1,061 |
| Loan and lease loss provision to assets | 0.1240% | 4,064 |
| Net operating income to assets | 1.5072% | 901 |
| Return on assets (ROA) | 1.5298% | 953 |
| Pretax return on assets | 1.5298% | 1,596 |
| Return on Equity (ROE) | 14.3088% | 933 |
| Retained earnings to average equity (ytd only) | 11.4299% | 387 |
| Net charge-offs to loans | 0.3321% | 2,974 |
| Credit loss provision to net charge-offs | 74.1935% | 4,036 |
| Earnings coverage of net charge-offs (x) | 9.7613% | 2,227 |
| Efficiency ratio | 70.6783% | 3,677 |
| Assets per employee ($millions) | 2.1385% | 6,863 |
| Cash dividends to net income (ytd only)* | 20.1198% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 1,335 |
| Loan loss allowance to noncurrent loans | 169.5440% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 2.1091% | 2,325 |
| Noncurrent loans to loans | 1.3719% | 3,542 |
| Net loans and leases to total assets | 46.4567% | 5,574 |
| Net loans and leases to deposits | 53.5764% | 5,686 |
| Net loans and leases to core deposits | 54.1975% | 5,859 |
| Total domestic deposits to total assets | 86.7112% | 2,987 |
| Equity capital to assets | 11.6415% | 2,315 |
| Core capital (leverage) ratio | 10.8735% | 2,367 |
| Tier 1 risk-based capital ratio | 17.1095% | 2,597 |
| Total risk-based capital ratio | 18.3611% | 2,567 |
| Memoranda: | ||
| Average total assets | $185,515,200 | 3,233 |
| Average earning assets | $168,253,800 | 3,251 |
| Average equity | $19,834,000 | 3,216 |
| Average total loans | $93,355,000 | 3,666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 2,205 |
| Cost of funding earning assets | 0.5961% | 4,691 |
| Net interest margin | 4.2522% | 1,592 |
| Noninterest income to average assets | 1.5032% | 659 |
| Noninterest expense to average assets | 3.9217% | 1,039 |
| Loan and lease loss provision to assets | 0.1298% | 3,930 |
| Net operating income to assets | 1.2955% | 1,448 |
| Return on assets (ROA) | 1.3221% | 1,523 |
| Pretax return on assets | 1.3221% | 2,516 |
| Return on Equity (ROE) | 12.6527% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.2515% | 642 |
| Net charge-offs to loans | 0.0481% | 4,977 |
| Credit loss provision to net charge-offs | 529.4118% | 510 |
| Earnings coverage of net charge-offs (x) | 58.1205% | 669 |
| Efficiency ratio | 73.3441% | 3,093 |
| Assets per employee ($millions) | 2.1431% | 6,946 |
| Cash dividends to net income (ytd only)* | 11.0747% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4220% | 1,318 |
| Loan loss allowance to noncurrent loans | 138.6186% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 2.6761% | 1,966 |
| Noncurrent loans to loans | 1.7472% | 3,158 |
| Net loans and leases to total assets | 49.3035% | 5,400 |
| Net loans and leases to deposits | 56.3908% | 5,599 |
| Net loans and leases to core deposits | 57.0219% | 5,810 |
| Total domestic deposits to total assets | 87.4319% | 2,395 |
| Equity capital to assets | 10.8931% | 3,387 |
| Core capital (leverage) ratio | 10.6155% | 2,784 |
| Tier 1 risk-based capital ratio | 15.7108% | 3,420 |
| Total risk-based capital ratio | 16.9752% | 3,377 |
| Memoranda: | ||
| Average total assets | $184,847,000 | 3,274 |
| Average earning assets | $167,094,750 | 3,303 |
| Average equity | $19,315,500 | 3,316 |
| Average total loans | $94,316,750 | 3,693 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 2,120 |
| Cost of funding earning assets | 0.6286% | 4,642 |
| Net interest margin | 4.2692% | 1,550 |
| Noninterest income to average assets | 1.3508% | 786 |
| Noninterest expense to average assets | 3.8693% | 1,118 |
| Loan and lease loss provision to assets | 0.1144% | 4,100 |
| Net operating income to assets | 1.2070% | 1,688 |
| Return on assets (ROA) | 1.2429% | 1,760 |
| Pretax return on assets | 1.2429% | 2,756 |
| Return on Equity (ROE) | 12.0702% | 1,645 |
| Retained earnings to average equity (ytd only) | 11.5625% | 652 |
| Net charge-offs to loans | 0.0958% | 4,201 |
| Credit loss provision to net charge-offs | 233.3333% | 1,219 |
| Earnings coverage of net charge-offs (x) | 26.9556% | 1,147 |
| Efficiency ratio | 74.5435% | 2,984 |
| Assets per employee ($millions) | 2.2093% | 6,967 |
| Cash dividends to net income (ytd only)* | 4.2068% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 1,408 |
| Loan loss allowance to noncurrent loans | 182.8807% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 2.6243% | 2,110 |
| Noncurrent loans to loans | 1.3136% | 3,953 |
| Net loans and leases to total assets | 46.4339% | 5,785 |
| Net loans and leases to deposits | 52.6195% | 5,981 |
| Net loans and leases to core deposits | 53.1837% | 6,148 |
| Total domestic deposits to total assets | 88.2448% | 1,993 |
| Equity capital to assets | 10.2018% | 4,050 |
| Core capital (leverage) ratio | 10.6292% | 2,688 |
| Tier 1 risk-based capital ratio | 15.4006% | 3,504 |
| Total risk-based capital ratio | 16.6569% | 3,462 |
| Memoranda: | ||
| Average total assets | $183,597,000 | 3,302 |
| Average earning assets | $165,134,670 | 3,345 |
| Average equity | $18,906,000 | 3,366 |
| Average total loans | $93,991,330 | 3,710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 1,790 |
| Cost of funding earning assets | 0.6735% | 4,514 |
| Net interest margin | 4.3569% | 1,324 |
| Noninterest income to average assets | 1.4659% | 677 |
| Noninterest expense to average assets | 4.1642% | 775 |
| Loan and lease loss provision to assets | 0.1684% | 3,287 |
| Net operating income to assets | 1.0685% | 2,213 |
| Return on assets (ROA) | 1.1314% | 2,133 |
| Pretax return on assets | 1.1314% | 3,193 |
| Return on Equity (ROE) | 10.9316% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.4110% | 1,176 |
| Net charge-offs to loans | -0.0422% | 6,469 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0989% | 2,631 |
| Assets per employee ($millions) | 2.0153% | 7,115 |
| Cash dividends to net income (ytd only)* | 4.7619% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3970% | 1,511 |
| Loan loss allowance to noncurrent loans | 117.8291% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 3.3051% | 1,744 |
| Noncurrent loans to loans | 2.0343% | 3,107 |
| Net loans and leases to total assets | 51.0117% | 5,154 |
| Net loans and leases to deposits | 58.0704% | 5,369 |
| Net loans and leases to core deposits | 58.6530% | 5,660 |
| Total domestic deposits to total assets | 87.8445% | 2,423 |
| Equity capital to assets | 10.4818% | 3,510 |
| Core capital (leverage) ratio | 10.6897% | 2,555 |
| Tier 1 risk-based capital ratio | 14.8099% | 3,883 |
| Total risk-based capital ratio | 16.0662% | 3,840 |
| Memoranda: | ||
| Average total assets | $178,187,500 | 3,405 |
| Average earning assets | $160,941,500 | 3,423 |
| Average equity | $18,442,000 | 3,435 |
| Average total loans | $94,738,500 | 3,714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 1,227 |
| Cost of funding earning assets | 0.9948% | 3,418 |
| Net interest margin | 4.4801% | 1,182 |
| Noninterest income to average assets | 1.1949% | 930 |
| Noninterest expense to average assets | 4.2484% | 760 |
| Loan and lease loss provision to assets | 0.0985% | 5,357 |
| Net operating income to assets | 0.8902% | 2,643 |
| Return on assets (ROA) | 0.8930% | 2,764 |
| Pretax return on assets | 0.8930% | 3,627 |
| Return on Equity (ROE) | 9.3483% | 2,309 |
| Retained earnings to average equity (ytd only) | 8.4229% | 948 |
| Net charge-offs to loans | 0.2188% | 4,419 |
| Credit loss provision to net charge-offs | 80.6452% | 4,418 |
| Earnings coverage of net charge-offs (x) | 8.0922% | 2,214 |
| Efficiency ratio | 81.1203% | 2,148 |
| Assets per employee ($millions) | 2.0347% | 7,150 |
| Cash dividends to net income (ytd only)* | 9.8991% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2583% | 1,694 |
| Loan loss allowance to noncurrent loans | 124.4675% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 3.4200% | 1,733 |
| Noncurrent loans to loans | 1.8144% | 3,447 |
| Net loans and leases to total assets | 52.8619% | 5,185 |
| Net loans and leases to deposits | 60.0812% | 5,472 |
| Net loans and leases to core deposits | 60.7880% | 5,772 |
| Total domestic deposits to total assets | 87.9841% | 2,167 |
| Equity capital to assets | 10.2160% | 3,887 |
| Core capital (leverage) ratio | 10.0055% | 3,335 |
| Tier 1 risk-based capital ratio | 14.1558% | 4,212 |
| Total risk-based capital ratio | 15.4107% | 4,158 |
| Memoranda: | ||
| Average total assets | $177,595,000 | 3,372 |
| Average earning assets | $160,241,200 | 3,399 |
| Average equity | $16,965,600 | 3,584 |
| Average total loans | $99,176,800 | 3,639 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 1,161 |
| Cost of funding earning assets | 1.0454% | 3,352 |
| Net interest margin | 4.4931% | 1,170 |
| Noninterest income to average assets | 1.0712% | 1,172 |
| Noninterest expense to average assets | 4.1168% | 878 |
| Loan and lease loss provision to assets | 0.0938% | 5,292 |
| Net operating income to assets | 0.9197% | 2,674 |
| Return on assets (ROA) | 0.9234% | 2,798 |
| Pretax return on assets | 0.9234% | 3,676 |
| Return on Equity (ROE) | 9.8363% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.7736% | 1,226 |
| Net charge-offs to loans | -0.0427% | 7,022 |
| Credit loss provision to net charge-offs | -390.6250% | 6,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2456% | 2,223 |
| Assets per employee ($millions) | 2.0740% | 7,209 |
| Cash dividends to net income (ytd only)* | 10.8043% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3845% | 1,560 |
| Loan loss allowance to noncurrent loans | 295.8647% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 2.6343% | 2,457 |
| Noncurrent loans to loans | 0.8059% | 5,258 |
| Net loans and leases to total assets | 52.9573% | 5,330 |
| Net loans and leases to deposits | 62.6024% | 5,332 |
| Net loans and leases to core deposits | 63.2050% | 5,698 |
| Total domestic deposits to total assets | 84.5930% | 3,968 |
| Equity capital to assets | 9.8030% | 4,615 |
| Core capital (leverage) ratio | 9.9063% | 3,561 |
| Tier 1 risk-based capital ratio | 13.5482% | 4,702 |
| Total risk-based capital ratio | 14.8046% | 4,665 |
| Memoranda: | ||
| Average total assets | $177,739,750 | 3,386 |
| Average earning assets | $160,567,250 | 3,414 |
| Average equity | $16,686,000 | 3,630 |
| Average total loans | $100,037,000 | 3,649 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6451% | 976 |
| Cost of funding earning assets | 1.0852% | 3,349 |
| Net interest margin | 4.5599% | 996 |
| Noninterest income to average assets | 1.0650% | 1,162 |
| Noninterest expense to average assets | 4.1125% | 901 |
| Loan and lease loss provision to assets | 0.1135% | 4,872 |
| Net operating income to assets | 0.9515% | 2,431 |
| Return on assets (ROA) | 0.7959% | 3,221 |
| Pretax return on assets | 0.7959% | 4,049 |
| Return on Equity (ROE) | 8.6097% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.6097% | 1,231 |
| Net charge-offs to loans | -0.1415% | 7,242 |
| Credit loss provision to net charge-offs | -140.8451% | 6,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4298% | 2,477 |
| Assets per employee ($millions) | 2.0421% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 1,582 |
| Loan loss allowance to noncurrent loans | 232.8431% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 2.8842% | 2,330 |
| Noncurrent loans to loans | 1.0329% | 4,932 |
| Net loans and leases to total assets | 53.6281% | 5,346 |
| Net loans and leases to deposits | 63.3841% | 5,350 |
| Net loans and leases to core deposits | 63.9494% | 5,723 |
| Total domestic deposits to total assets | 84.6082% | 4,068 |
| Equity capital to assets | 9.6780% | 4,569 |
| Core capital (leverage) ratio | 9.9373% | 3,343 |
| Tier 1 risk-based capital ratio | 13.3126% | 4,681 |
| Total risk-based capital ratio | 14.5690% | 4,654 |
| Memoranda: | ||
| Average total assets | $176,148,000 | 3,433 |
| Average earning assets | $158,864,670 | 3,463 |
| Average equity | $16,284,000 | 3,683 |
| Average total loans | $100,377,330 | 3,674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7026% | 878 |
| Cost of funding earning assets | 1.1283% | 3,304 |
| Net interest margin | 4.5743% | 910 |
| Noninterest income to average assets | 1.1332% | 1,015 |
| Noninterest expense to average assets | 4.2462% | 777 |
| Loan and lease loss provision to assets | 0.1720% | 3,913 |
| Net operating income to assets | 0.8350% | 2,856 |
| Return on assets (ROA) | 0.8350% | 2,917 |
| Pretax return on assets | 0.8350% | 3,767 |
| Return on Equity (ROE) | 9.2562% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.2562% | 1,305 |
| Net charge-offs to loans | -0.2648% | 7,316 |
| Credit loss provision to net charge-offs | -111.9403% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8297% | 2,393 |
| Assets per employee ($millions) | 1.9820% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3769% | 1,636 |
| Loan loss allowance to noncurrent loans | 232.3762% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 3.1448% | 2,192 |
| Noncurrent loans to loans | 1.0229% | 5,012 |
| Net loans and leases to total assets | 55.2661% | 5,119 |
| Net loans and leases to deposits | 65.2185% | 5,093 |
| Net loans and leases to core deposits | 65.9188% | 5,519 |
| Total domestic deposits to total assets | 84.7399% | 4,153 |
| Equity capital to assets | 9.2927% | 4,738 |
| Core capital (leverage) ratio | 9.8760% | 3,305 |
| Tier 1 risk-based capital ratio | 12.5447% | 5,228 |
| Total risk-based capital ratio | 13.7999% | 5,198 |
| Memoranda: | ||
| Average total assets | $174,369,000 | 3,479 |
| Average earning assets | $157,052,000 | 3,519 |
| Average equity | $15,730,000 | 3,767 |
| Average total loans | $101,192,000 | 3,690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 1,792 |
| Cost of funding earning assets | 1.6305% | 1,909 |
| Net interest margin | 4.0013% | 3,014 |
| Noninterest income to average assets | 0.3576% | 5,249 |
| Noninterest expense to average assets | 3.6793% | 1,751 |
| Loan and lease loss provision to assets | 0.7974% | 2,043 |
| Net operating income to assets | -0.4863% | 6,380 |
| Return on assets (ROA) | -0.5231% | 6,433 |
| Pretax return on assets | -0.5231% | 6,334 |
| Return on Equity (ROE) | -6.8436% | 6,549 |
| Retained earnings to average equity (ytd only) | -6.8436% | 6,449 |
| Net charge-offs to loans | 2.5772% | 722 |
| Credit loss provision to net charge-offs | 56.0503% | 6,157 |
| Earnings coverage of net charge-offs (x) | 0.2187% | 5,885 |
| Efficiency ratio | 92.2043% | 1,167 |
| Assets per employee ($millions) | 1.9809% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1265% | 2,010 |
| Loan loss allowance to noncurrent loans | 151.0624% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 3.4694% | 2,006 |
| Noncurrent loans to loans | 1.4077% | 4,373 |
| Net loans and leases to total assets | 58.1912% | 4,998 |
| Net loans and leases to deposits | 68.1556% | 5,083 |
| Net loans and leases to core deposits | 69.4994% | 5,490 |
| Total domestic deposits to total assets | 85.3799% | 3,675 |
| Equity capital to assets | 8.7493% | 5,510 |
| Core capital (leverage) ratio | 9.1365% | 4,290 |
| Tier 1 risk-based capital ratio | 11.7773% | 5,671 |
| Total risk-based capital ratio | 13.0310% | 5,667 |
| Memoranda: | ||
| Average total assets | $195,772,200 | 3,148 |
| Average earning assets | $177,741,400 | 3,146 |
| Average equity | $14,962,800 | 3,944 |
| Average total loans | $108,061,400 | 3,591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 2,202 |
| Cost of funding earning assets | 1.7419% | 1,660 |
| Net interest margin | 3.8209% | 3,880 |
| Noninterest income to average assets | 0.3202% | 5,590 |
| Noninterest expense to average assets | 3.4782% | 2,085 |
| Loan and lease loss provision to assets | 0.9619% | 1,554 |
| Net operating income to assets | -0.6476% | 6,692 |
| Return on assets (ROA) | -0.6854% | 6,772 |
| Pretax return on assets | -0.6854% | 6,671 |
| Return on Equity (ROE) | -9.2585% | 6,893 |
| Retained earnings to average equity (ytd only) | -9.2585% | 6,835 |
| Net charge-offs to loans | 3.1474% | 470 |
| Credit loss provision to net charge-offs | 56.3058% | 5,780 |
| Earnings coverage of net charge-offs (x) | 0.1839% | 5,827 |
| Efficiency ratio | 91.7147% | 1,149 |
| Assets per employee ($millions) | 2.1098% | 7,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,831 |
| Loan loss allowance to noncurrent loans | 94.1152% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 3.8269% | 1,858 |
| Noncurrent loans to loans | 2.3251% | 3,309 |
| Net loans and leases to total assets | 55.4441% | 5,628 |
| Net loans and leases to deposits | 64.3704% | 5,869 |
| Net loans and leases to core deposits | 65.6543% | 6,156 |
| Total domestic deposits to total assets | 86.1328% | 3,013 |
| Equity capital to assets | 8.1924% | 6,619 |
| Core capital (leverage) ratio | 8.7616% | 5,083 |
| Tier 1 risk-based capital ratio | 11.2200% | 6,174 |
| Total risk-based capital ratio | 12.4735% | 6,165 |
| Memoranda: | ||
| Average total assets | $201,134,750 | 3,125 |
| Average earning assets | $182,780,000 | 3,137 |
| Average equity | $14,890,500 | 4,014 |
| Average total loans | $109,165,750 | 3,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 2,580 |
| Cost of funding earning assets | 1.9203% | 1,160 |
| Net interest margin | 3.5666% | 4,963 |
| Noninterest income to average assets | 0.8493% | 1,885 |
| Noninterest expense to average assets | 3.3254% | 2,485 |
| Loan and lease loss provision to assets | 0.6980% | 2,082 |
| Net operating income to assets | 0.0814% | 5,918 |
| Return on assets (ROA) | 0.0572% | 6,074 |
| Pretax return on assets | 0.0572% | 6,061 |
| Return on Equity (ROE) | 0.7982% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.7982% | 5,451 |
| Net charge-offs to loans | 1.4211% | 1,343 |
| Credit loss provision to net charge-offs | 91.7197% | 4,374 |
| Earnings coverage of net charge-offs (x) | 1.0242% | 4,764 |
| Efficiency ratio | 81.0109% | 2,297 |
| Assets per employee ($millions) | 2.1839% | 7,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1087% | 757 |
| Loan loss allowance to noncurrent loans | 67.6932% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 4.7643% | 1,363 |
| Noncurrent loans to loans | 4.5924% | 1,573 |
| Net loans and leases to total assets | 54.5405% | 5,908 |
| Net loans and leases to deposits | 63.1490% | 6,121 |
| Net loans and leases to core deposits | 64.2582% | 6,381 |
| Total domestic deposits to total assets | 86.3680% | 2,887 |
| Equity capital to assets | 8.0430% | 6,706 |
| Core capital (leverage) ratio | 8.3624% | 5,646 |
| Tier 1 risk-based capital ratio | 11.3329% | 5,916 |
| Total risk-based capital ratio | 12.5938% | 5,894 |
| Memoranda: | ||
| Average total assets | $206,292,670 | 3,089 |
| Average earning assets | $188,301,670 | 3,090 |
| Average equity | $14,784,000 | 4,035 |
| Average total loans | $110,474,000 | 3,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 2,862 |
| Cost of funding earning assets | 1.7364% | 2,203 |
| Net interest margin | 3.7037% | 4,226 |
| Noninterest income to average assets | 0.8887% | 1,671 |
| Noninterest expense to average assets | 3.1310% | 3,134 |
| Loan and lease loss provision to assets | 1.0312% | 1,203 |
| Net operating income to assets | 0.1256% | 5,945 |
| Return on assets (ROA) | 0.0787% | 6,194 |
| Pretax return on assets | 0.0787% | 6,193 |
| Return on Equity (ROE) | 1.1628% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.1628% | 5,354 |
| Net charge-offs to loans | 1.7882% | 970 |
| Credit loss provision to net charge-offs | 110.2204% | 3,126 |
| Earnings coverage of net charge-offs (x) | 1.2365% | 4,023 |
| Efficiency ratio | 73.0214% | 3,756 |
| Assets per employee ($millions) | 2.3939% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1674% | 717 |
| Loan loss allowance to noncurrent loans | 91.4323% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 3.9666% | 1,737 |
| Noncurrent loans to loans | 3.4642% | 2,303 |
| Net loans and leases to total assets | 50.4880% | 6,421 |
| Net loans and leases to deposits | 60.6001% | 6,400 |
| Net loans and leases to core deposits | 62.1471% | 6,590 |
| Total domestic deposits to total assets | 83.3134% | 4,468 |
| Equity capital to assets | 6.7497% | 7,466 |
| Core capital (leverage) ratio | 7.6307% | 6,701 |
| Tier 1 risk-based capital ratio | 10.1570% | 6,927 |
| Total risk-based capital ratio | 11.4176% | 6,901 |
| Memoranda: | ||
| Average total assets | $213,349,000 | 3,066 |
| Average earning assets | $195,804,000 | 3,049 |
| Average equity | $14,447,500 | 4,136 |
| Average total loans | $111,621,500 | 3,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 2,280 |
| Cost of funding earning assets | 1.9792% | 3,062 |
| Net interest margin | 3.9110% | 3,225 |
| Noninterest income to average assets | 0.9677% | 1,671 |
| Noninterest expense to average assets | 3.2260% | 3,290 |
| Loan and lease loss provision to assets | 1.9439% | 1,131 |
| Net operating income to assets | -0.6030% | 6,274 |
| Return on assets (ROA) | -0.2405% | 5,885 |
| Pretax return on assets | -0.2405% | 5,752 |
| Return on Equity (ROE) | -3.3468% | 6,035 |
| Retained earnings to average equity (ytd only) | -6.4830% | 6,195 |
| Net charge-offs to loans | 3.1995% | 641 |
| Credit loss provision to net charge-offs | 115.9979% | 4,683 |
| Earnings coverage of net charge-offs (x) | 0.8002% | 5,307 |
| Efficiency ratio | 70.6387% | 4,503 |
| Assets per employee ($millions) | 2.4550% | 7,275 |
| Cash dividends to net income (ytd only)* | -93.7037% | 7,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0228% | 758 |
| Loan loss allowance to noncurrent loans | 69.5899% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 4.1409% | 1,579 |
| Noncurrent loans to loans | 4.3437% | 1,650 |
| Net loans and leases to total assets | 50.9068% | 6,538 |
| Net loans and leases to deposits | 61.0724% | 6,556 |
| Net loans and leases to core deposits | 77.5985% | 6,289 |
| Total domestic deposits to total assets | 83.3548% | 4,359 |
| Equity capital to assets | 6.7932% | 7,469 |
| Core capital (leverage) ratio | 7.3463% | 6,944 |
| Tier 1 risk-based capital ratio | 9.7668% | 7,047 |
| Total risk-based capital ratio | 11.0265% | 7,029 |
| Memoranda: | ||
| Average total assets | $224,552,800 | 2,882 |
| Average earning assets | $206,646,200 | 2,877 |
| Average equity | $16,134,600 | 3,846 |
| Average total loans | $117,611,000 | 3,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9201% | 2,354 |
| Cost of funding earning assets | 2.0224% | 3,244 |
| Net interest margin | 3.8977% | 3,243 |
| Noninterest income to average assets | 1.2269% | 1,021 |
| Noninterest expense to average assets | 3.2097% | 3,269 |
| Loan and lease loss provision to assets | 2.4498% | 684 |
| Net operating income to assets | -0.8458% | 6,726 |
| Return on assets (ROA) | -0.3976% | 6,316 |
| Pretax return on assets | -0.3976% | 6,198 |
| Return on Equity (ROE) | -5.4627% | 6,499 |
| Retained earnings to average equity (ytd only) | -9.5517% | 6,764 |
| Net charge-offs to loans | 3.9753% | 355 |
| Credit loss provision to net charge-offs | 117.7219% | 4,314 |
| Earnings coverage of net charge-offs (x) | 0.7708% | 5,277 |
| Efficiency ratio | 66.6789% | 5,252 |
| Assets per employee ($millions) | 2.5498% | 7,143 |
| Cash dividends to net income (ytd only)* | -74.8522% | 7,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9456% | 694 |
| Loan loss allowance to noncurrent loans | 71.4227% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 3.3882% | 1,975 |
| Noncurrent loans to loans | 4.1242% | 1,766 |
| Net loans and leases to total assets | 48.5146% | 6,909 |
| Net loans and leases to deposits | 57.7259% | 6,980 |
| Net loans and leases to core deposits | 72.2413% | 6,833 |
| Total domestic deposits to total assets | 84.0430% | 3,705 |
| Equity capital to assets | 6.8126% | 7,673 |
| Core capital (leverage) ratio | 7.1876% | 7,276 |
| Tier 1 risk-based capital ratio | 9.2315% | 7,523 |
| Total risk-based capital ratio | 10.4897% | 7,511 |
| Memoranda: | ||
| Average total assets | $226,681,500 | 2,873 |
| Average earning assets | $208,595,250 | 2,870 |
| Average equity | $16,499,250 | 3,810 |
| Average total loans | $118,662,250 | 3,543 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0932% | 1,812 |
| Cost of funding earning assets | 2.0963% | 3,288 |
| Net interest margin | 3.9969% | 2,708 |
| Noninterest income to average assets | 1.2926% | 915 |
| Noninterest expense to average assets | 3.3029% | 2,945 |
| Loan and lease loss provision to assets | 1.7318% | 967 |
| Net operating income to assets | -0.0777% | 5,969 |
| Return on assets (ROA) | 0.8570% | 2,727 |
| Pretax return on assets | 0.8570% | 3,486 |
| Return on Equity (ROE) | 11.5163% | 1,557 |
| Retained earnings to average equity (ytd only) | 7.7255% | 1,304 |
| Net charge-offs to loans | 2.6240% | 641 |
| Credit loss provision to net charge-offs | 124.1203% | 3,747 |
| Earnings coverage of net charge-offs (x) | 1.1855% | 4,640 |
| Efficiency ratio | 66.6307% | 5,430 |
| Assets per employee ($millions) | 2.5440% | 7,166 |
| Cash dividends to net income (ytd only)* | 32.9167% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7420% | 718 |
| Loan loss allowance to noncurrent loans | 51.9119% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.8598% | 1,567 |
| Noncurrent loans to loans | 5.2820% | 1,127 |
| Net loans and leases to total assets | 50.7632% | 6,801 |
| Net loans and leases to deposits | 62.0096% | 6,731 |
| Net loans and leases to core deposits | 78.4917% | 6,515 |
| Total domestic deposits to total assets | 81.8634% | 4,751 |
| Equity capital to assets | 7.5074% | 7,255 |
| Core capital (leverage) ratio | 8.1048% | 6,157 |
| Tier 1 risk-based capital ratio | 11.2565% | 5,634 |
| Total risk-based capital ratio | 12.4845% | 5,572 |
| Memoranda: | ||
| Average total assets | $224,048,330 | 2,924 |
| Average earning assets | $205,409,000 | 2,930 |
| Average equity | $16,672,000 | 3,781 |
| Average total loans | $119,129,670 | 3,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1312% | 1,827 |
| Cost of funding earning assets | 2.1453% | 3,436 |
| Net interest margin | 3.9859% | 2,702 |
| Noninterest income to average assets | 1.5062% | 626 |
| Noninterest expense to average assets | 3.1642% | 3,137 |
| Loan and lease loss provision to assets | 1.4991% | 842 |
| Net operating income to assets | 0.4836% | 4,496 |
| Return on assets (ROA) | 1.2617% | 1,576 |
| Pretax return on assets | 1.2617% | 2,401 |
| Return on Equity (ROE) | 17.0315% | 684 |
| Retained earnings to average equity (ytd only) | 11.2981% | 922 |
| Net charge-offs to loans | 2.8403% | 458 |
| Credit loss provision to net charge-offs | 98.3607% | 3,836 |
| Earnings coverage of net charge-offs (x) | 1.3009% | 4,085 |
| Efficiency ratio | 61.4771% | 6,159 |
| Assets per employee ($millions) | 2.4687% | 7,342 |
| Cash dividends to net income (ytd only)* | 33.6634% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3714% | 884 |
| Loan loss allowance to noncurrent loans | 38.4311% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 4.3951% | 1,106 |
| Noncurrent loans to loans | 6.1705% | 757 |
| Net loans and leases to total assets | 52.1055% | 6,671 |
| Net loans and leases to deposits | 63.7415% | 6,584 |
| Net loans and leases to core deposits | 81.6844% | 6,257 |
| Total domestic deposits to total assets | 81.7450% | 4,660 |
| Equity capital to assets | 7.5092% | 7,349 |
| Core capital (leverage) ratio | 8.0170% | 6,417 |
| Tier 1 risk-based capital ratio | 10.5909% | 6,300 |
| Total risk-based capital ratio | 11.8459% | 6,219 |
| Memoranda: | ||
| Average total assets | $224,136,000 | 2,946 |
| Average earning assets | $204,722,000 | 2,952 |
| Average equity | $16,604,500 | 3,808 |
| Average total loans | $120,270,000 | 3,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3922% | 3,461 |
| Cost of funding earning assets | 2.6604% | 3,370 |
| Net interest margin | 3.7318% | 4,315 |
| Noninterest income to average assets | 0.8555% | 2,196 |
| Noninterest expense to average assets | 2.9465% | 4,274 |
| Loan and lease loss provision to assets | 1.0826% | 1,343 |
| Net operating income to assets | 0.2839% | 5,594 |
| Return on assets (ROA) | 0.2036% | 5,657 |
| Pretax return on assets | 0.2036% | 5,722 |
| Return on Equity (ROE) | 2.4805% | 5,428 |
| Retained earnings to average equity (ytd only) | -2.0080% | 5,870 |
| Net charge-offs to loans | 1.2385% | 972 |
| Credit loss provision to net charge-offs | 158.7678% | 3,257 |
| Earnings coverage of net charge-offs (x) | 2.0041% | 5,071 |
| Efficiency ratio | 68.3151% | 4,669 |
| Assets per employee ($millions) | 2.5121% | 7,185 |
| Cash dividends to net income (ytd only)* | 180.9524% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3180% | 834 |
| Loan loss allowance to noncurrent loans | 37.5881% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 3.9630% | 1,047 |
| Noncurrent loans to loans | 6.1668% | 561 |
| Net loans and leases to total assets | 52.6923% | 6,776 |
| Net loans and leases to deposits | 64.0421% | 6,792 |
| Net loans and leases to core deposits | 80.4377% | 6,581 |
| Total domestic deposits to total assets | 82.2776% | 4,090 |
| Equity capital to assets | 7.3090% | 7,549 |
| Core capital (leverage) ratio | 7.6235% | 7,044 |
| Tier 1 risk-based capital ratio | 10.1761% | 6,543 |
| Total risk-based capital ratio | 11.4311% | 6,404 |
| Memoranda: | ||
| Average total assets | $216,599,600 | 2,918 |
| Average earning assets | $200,681,000 | 2,886 |
| Average equity | $17,779,000 | 3,595 |
| Average total loans | $119,255,800 | 3,483 |