Home > Peoples Bank > Performance and Condition Ratios
Peoples 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 | 4.6493% | 2,785 |
| Cost of funding earning assets | 1.1623% | 2,901 |
| Net interest margin | 3.4870% | 2,216 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.7188% | 1,693 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4416% | 1,132 |
| Return on assets (ROA) | 1.4416% | 1,102 |
| Pretax return on assets | 1.4893% | 1,447 |
| Return on Equity (ROE) | 22.5500% | 424 |
| Retained earnings to average equity (ytd only) | 6.3623% | 2,106 |
| Net charge-offs to loans | 0.0478% | 1,395 |
| Credit loss provision to net charge-offs | 233.7662% | 1,119 |
| Earnings coverage of net charge-offs (x) | 50.9351% | 1,282 |
| Efficiency ratio | 63.5265% | 2,665 |
| Assets per employee ($millions) | 4.8958% | 3,708 |
| Cash dividends to net income (ytd only)* | 71.7835% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,337 |
| Loan loss allowance to noncurrent loans | 244.7704% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 1,722 |
| Noncurrent loans to loans | 0.4876% | 1,567 |
| Net loans and leases to total assets | 62.4000% | 2,643 |
| Net loans and leases to deposits | 67.2500% | 3,090 |
| Net loans and leases to core deposits | 70.7529% | 3,263 |
| Total domestic deposits to total assets | 92.7900% | 196 |
| Equity capital to assets | 6.9369% | 3,963 |
| Core capital (leverage) ratio | 10.4443% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $251,254,600 | 2,672 |
| Average earning assets | $241,497,800 | 2,618 |
| Average equity | $16,063,400 | 3,177 |
| Average total loans | $161,208,800 | 2,595 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 2,723 |
| Cost of funding earning assets | 1.0620% | 2,855 |
| Net interest margin | 3.5205% | 2,170 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.7478% | 1,546 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4679% | 1,192 |
| Return on assets (ROA) | 1.4679% | 1,176 |
| Pretax return on assets | 1.4679% | 1,640 |
| Return on Equity (ROE) | 23.4700% | 462 |
| Retained earnings to average equity (ytd only) | 8.1457% | 1,910 |
| Net charge-offs to loans | 0.0281% | 1,513 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 86.0882% | 999 |
| Efficiency ratio | 63.8106% | 2,519 |
| Assets per employee ($millions) | 4.9108% | 3,666 |
| Cash dividends to net income (ytd only)* | 65.2884% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,341 |
| Loan loss allowance to noncurrent loans | 354.2650% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,141 |
| Noncurrent loans to loans | 0.3396% | 2,014 |
| Net loans and leases to total assets | 65.2900% | 2,311 |
| Net loans and leases to deposits | 69.4262% | 2,876 |
| Net loans and leases to core deposits | 72.3911% | 3,085 |
| Total domestic deposits to total assets | 94.0500% | 185 |
| Equity capital to assets | 5.5653% | 4,123 |
| Core capital (leverage) ratio | 10.3794% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $250,422,750 | 2,682 |
| Average earning assets | $240,794,500 | 2,628 |
| Average equity | $15,664,250 | 3,204 |
| Average total loans | $161,313,750 | 2,595 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 2,644 |
| Cost of funding earning assets | 0.9195% | 2,864 |
| Net interest margin | 3.5805% | 2,080 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.7217% | 1,592 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.5132% | 1,074 |
| Return on assets (ROA) | 1.5132% | 1,074 |
| Pretax return on assets | 1.5132% | 1,570 |
| Return on Equity (ROE) | 23.3500% | 466 |
| Retained earnings to average equity (ytd only) | 8.0462% | 1,945 |
| Net charge-offs to loans | 0.0186% | 1,528 |
| Credit loss provision to net charge-offs | 733.3333% | 505 |
| Earnings coverage of net charge-offs (x) | 134.4667% | 793 |
| Efficiency ratio | 62.9704% | 2,596 |
| Assets per employee ($millions) | 4.7692% | 3,779 |
| Cash dividends to net income (ytd only)* | 65.5480% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,533 |
| Loan loss allowance to noncurrent loans | 367.5000% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,144 |
| Noncurrent loans to loans | 0.3216% | 1,988 |
| Net loans and leases to total assets | 64.4300% | 2,344 |
| Net loans and leases to deposits | 69.1637% | 2,843 |
| Net loans and leases to core deposits | 71.7107% | 3,026 |
| Total domestic deposits to total assets | 93.1500% | 231 |
| Equity capital to assets | 6.5642% | 3,973 |
| Core capital (leverage) ratio | 10.2271% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $252,051,000 | 2,682 |
| Average earning assets | $242,088,333 | 2,628 |
| Average equity | $16,330,667 | 3,157 |
| Average total loans | $160,994,000 | 2,592 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,573 |
| Cost of funding earning assets | 0.8077% | 2,704 |
| Net interest margin | 3.5829% | 2,166 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.6323% | 1,868 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5255% | 1,127 |
| Return on assets (ROA) | 1.5255% | 1,107 |
| Pretax return on assets | 1.5255% | 1,612 |
| Return on Equity (ROE) | 23.7000% | 464 |
| Retained earnings to average equity (ytd only) | 4.1329% | 3,234 |
| Net charge-offs to loans | 0.0149% | 1,401 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 559 |
| Efficiency ratio | 61.9030% | 2,715 |
| Assets per employee ($millions) | 5.0019% | 3,658 |
| Cash dividends to net income (ytd only)* | 82.5593% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,793 |
| Loan loss allowance to noncurrent loans | 354.1667% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,083 |
| Noncurrent loans to loans | 0.3262% | 1,981 |
| Net loans and leases to total assets | 63.9700% | 2,252 |
| Net loans and leases to deposits | 68.8853% | 2,702 |
| Net loans and leases to core deposits | 71.0991% | 2,877 |
| Total domestic deposits to total assets | 92.8600% | 330 |
| Equity capital to assets | 6.8058% | 3,908 |
| Core capital (leverage) ratio | 10.3174% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,077,500 | 2,704 |
| Average earning assets | $244,160,500 | 2,648 |
| Average equity | $16,356,500 | 3,187 |
| Average total loans | $160,648,000 | 2,614 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 2,379 |
| Cost of funding earning assets | 0.4037% | 2,068 |
| Net interest margin | 3.3553% | 2,403 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.6664% | 1,639 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3034% | 1,412 |
| Return on assets (ROA) | 1.3034% | 1,378 |
| Pretax return on assets | 1.3434% | 1,948 |
| Return on Equity (ROE) | 18.3600% | 653 |
| Retained earnings to average equity (ytd only) | 3.2178% | 3,662 |
| Net charge-offs to loans | 0.0506% | 1,161 |
| Credit loss provision to net charge-offs | 298.7179% | 918 |
| Earnings coverage of net charge-offs (x) | 47.8462% | 1,391 |
| Efficiency ratio | 65.0464% | 2,358 |
| Assets per employee ($millions) | 5.2665% | 3,454 |
| Cash dividends to net income (ytd only)* | 82.4742% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,701 |
| Loan loss allowance to noncurrent loans | 373.8683% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,238 |
| Noncurrent loans to loans | 0.3048% | 2,049 |
| Net loans and leases to total assets | 61.0800% | 2,544 |
| Net loans and leases to deposits | 65.2461% | 2,938 |
| Net loans and leases to core deposits | 67.2397% | 3,055 |
| Total domestic deposits to total assets | 93.6200% | 285 |
| Equity capital to assets | 6.0808% | 4,061 |
| Core capital (leverage) ratio | 10.2225% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $260,463,000 | 2,667 |
| Average earning assets | $249,663,600 | 2,617 |
| Average equity | $18,490,800 | 3,078 |
| Average total loans | $154,096,600 | 2,597 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 2,275 |
| Cost of funding earning assets | 0.3465% | 1,733 |
| Net interest margin | 3.2764% | 2,369 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.6823% | 1,511 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2232% | 1,618 |
| Return on assets (ROA) | 1.2232% | 1,592 |
| Pretax return on assets | 1.2232% | 2,277 |
| Return on Equity (ROE) | 16.6400% | 863 |
| Retained earnings to average equity (ytd only) | 2.7443% | 3,850 |
| Net charge-offs to loans | 0.0463% | 1,023 |
| Credit loss provision to net charge-offs | 392.4528% | 715 |
| Earnings coverage of net charge-offs (x) | 49.1132% | 1,297 |
| Efficiency ratio | 66.8619% | 2,174 |
| Assets per employee ($millions) | 4.9835% | 3,684 |
| Cash dividends to net income (ytd only)* | 83.5073% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,796 |
| Loan loss allowance to noncurrent loans | 359.0909% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 2,273 |
| Noncurrent loans to loans | 0.3201% | 2,093 |
| Net loans and leases to total assets | 61.4800% | 2,352 |
| Net loans and leases to deposits | 65.2939% | 2,767 |
| Net loans and leases to core deposits | 67.8889% | 2,812 |
| Total domestic deposits to total assets | 94.1600% | 337 |
| Equity capital to assets | 5.3876% | 4,166 |
| Core capital (leverage) ratio | 9.8570% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $261,064,250 | 2,678 |
| Average earning assets | $250,102,750 | 2,632 |
| Average equity | $19,190,500 | 3,062 |
| Average total loans | $152,758,000 | 2,608 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 2,280 |
| Cost of funding earning assets | 0.3108% | 1,613 |
| Net interest margin | 3.1441% | 2,389 |
| Noninterest income to average assets | 0.8391% | 970 |
| Noninterest expense to average assets | 2.6108% | 1,605 |
| Loan and lease loss provision to assets | 0.1048% | 953 |
| Net operating income to assets | 1.1353% | 1,647 |
| Return on assets (ROA) | 1.1353% | 1,624 |
| Pretax return on assets | 1.1353% | 2,286 |
| Return on Equity (ROE) | 14.2225% | 1,058 |
| Retained earnings to average equity (ytd only) | 0.9038% | 4,015 |
| Net charge-offs to loans | 0.0424% | 961 |
| Credit loss provision to net charge-offs | 431.2500% | 672 |
| Earnings coverage of net charge-offs (x) | 51.0313% | 1,151 |
| Efficiency ratio | 67.7973% | 2,272 |
| Assets per employee ($millions) | 4.6318% | 3,987 |
| Cash dividends to net income (ytd only)* | 93.6455% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,015 |
| Loan loss allowance to noncurrent loans | 341.1197% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,332 |
| Noncurrent loans to loans | 0.3325% | 2,142 |
| Net loans and leases to total assets | 59.3894% | 2,396 |
| Net loans and leases to deposits | 63.6812% | 2,750 |
| Net loans and leases to core deposits | 66.2502% | 2,798 |
| Total domestic deposits to total assets | 93.2604% | 448 |
| Equity capital to assets | 6.3795% | 4,066 |
| Core capital (leverage) ratio | 9.6352% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,366,333 | 2,687 |
| Average earning assets | $252,280,333 | 2,655 |
| Average equity | $21,023,000 | 2,971 |
| Average total loans | $150,983,667 | 2,633 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 2,387 |
| Cost of funding earning assets | 0.3035% | 1,629 |
| Net interest margin | 2.9972% | 2,513 |
| Noninterest income to average assets | 0.8170% | 1,001 |
| Noninterest expense to average assets | 2.5264% | 1,813 |
| Loan and lease loss provision to assets | 0.0799% | 1,027 |
| Net operating income to assets | 1.0838% | 1,567 |
| Return on assets (ROA) | 1.0838% | 1,564 |
| Pretax return on assets | 1.0838% | 2,193 |
| Return on Equity (ROE) | 12.3640% | 1,207 |
| Retained earnings to average equity (ytd only) | -3.9723% | 4,372 |
| Net charge-offs to loans | 0.0108% | 1,365 |
| Credit loss provision to net charge-offs | 1,325.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 437 |
| Efficiency ratio | 68.4641% | 2,449 |
| Assets per employee ($millions) | 4.9692% | 3,778 |
| Cash dividends to net income (ytd only)* | 132.1280% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,150 |
| Loan loss allowance to noncurrent loans | 331.3953% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,459 |
| Noncurrent loans to loans | 0.3441% | 2,250 |
| Net loans and leases to total assets | 56.2904% | 2,505 |
| Net loans and leases to deposits | 61.2739% | 2,781 |
| Net loans and leases to core deposits | 63.7576% | 2,815 |
| Total domestic deposits to total assets | 91.8669% | 629 |
| Equity capital to assets | 7.7754% | 3,747 |
| Core capital (leverage) ratio | 9.3866% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,360,500 | 2,689 |
| Average earning assets | $254,370,500 | 2,657 |
| Average equity | $23,261,000 | 2,887 |
| Average total loans | $148,570,500 | 2,647 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 1,864 |
| Cost of funding earning assets | 0.3186% | 2,210 |
| Net interest margin | 3.4821% | 1,793 |
| Noninterest income to average assets | 0.8750% | 1,270 |
| Noninterest expense to average assets | 2.6738% | 1,705 |
| Loan and lease loss provision to assets | 0.0099% | 2,883 |
| Net operating income to assets | 1.5339% | 944 |
| Return on assets (ROA) | 1.5339% | 984 |
| Pretax return on assets | 1.5339% | 1,612 |
| Return on Equity (ROE) | 15.1781% | 912 |
| Retained earnings to average equity (ytd only) | 7.4161% | 1,757 |
| Net charge-offs to loans | 0.0584% | 1,203 |
| Credit loss provision to net charge-offs | 28.7356% | 2,240 |
| Earnings coverage of net charge-offs (x) | 44.6782% | 1,368 |
| Efficiency ratio | 63.3958% | 2,659 |
| Assets per employee ($millions) | 4.7742% | 3,912 |
| Cash dividends to net income (ytd only)* | 51.1393% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,236 |
| Loan loss allowance to noncurrent loans | 369.9332% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,753 |
| Noncurrent loans to loans | 0.3051% | 2,498 |
| Net loans and leases to total assets | 54.4295% | 2,797 |
| Net loans and leases to deposits | 60.4950% | 3,033 |
| Net loans and leases to core deposits | 62.9721% | 3,075 |
| Total domestic deposits to total assets | 89.9736% | 974 |
| Equity capital to assets | 9.7414% | 2,896 |
| Core capital (leverage) ratio | 9.6906% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,776,400 | 2,713 |
| Average earning assets | $241,693,800 | 2,670 |
| Average equity | $25,444,600 | 2,818 |
| Average total loans | $148,947,600 | 2,641 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 1,645 |
| Cost of funding earning assets | 0.3283% | 2,319 |
| Net interest margin | 3.6188% | 1,552 |
| Noninterest income to average assets | 0.8843% | 1,286 |
| Noninterest expense to average assets | 2.6888% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6637% | 894 |
| Return on assets (ROA) | 1.6637% | 936 |
| Pretax return on assets | 1.6637% | 1,510 |
| Return on Equity (ROE) | 16.3034% | 889 |
| Retained earnings to average equity (ytd only) | 8.2650% | 1,967 |
| Net charge-offs to loans | 0.0562% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 49.0952% | 1,253 |
| Efficiency ratio | 61.7771% | 2,732 |
| Assets per employee ($millions) | 4.4985% | 4,120 |
| Cash dividends to net income (ytd only)* | 49.3049% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,259 |
| Loan loss allowance to noncurrent loans | 374.7178% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,944 |
| Noncurrent loans to loans | 0.3039% | 2,706 |
| Net loans and leases to total assets | 57.1987% | 2,589 |
| Net loans and leases to deposits | 64.1107% | 2,844 |
| Net loans and leases to core deposits | 67.1476% | 2,842 |
| Total domestic deposits to total assets | 89.2186% | 1,162 |
| Equity capital to assets | 10.3412% | 2,575 |
| Core capital (leverage) ratio | 9.9123% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,882,250 | 2,762 |
| Average earning assets | $237,565,250 | 2,717 |
| Average equity | $25,294,750 | 2,860 |
| Average total loans | $149,389,500 | 2,678 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 2,070 |
| Cost of funding earning assets | 0.3404% | 2,400 |
| Net interest margin | 3.4590% | 1,977 |
| Noninterest income to average assets | 0.8599% | 1,377 |
| Noninterest expense to average assets | 2.6243% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5495% | 1,172 |
| Return on assets (ROA) | 1.5495% | 1,231 |
| Pretax return on assets | 1.5495% | 1,877 |
| Return on Equity (ROE) | 15.2540% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.6686% | 2,557 |
| Net charge-offs to loans | 0.0983% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.8108% | 1,397 |
| Efficiency ratio | 62.8766% | 2,602 |
| Assets per employee ($millions) | 4.7400% | 3,894 |
| Cash dividends to net income (ytd only)* | 56.2827% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,351 |
| Loan loss allowance to noncurrent loans | 242.6471% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 2,576 |
| Noncurrent loans to loans | 0.4593% | 2,298 |
| Net loans and leases to total assets | 58.2723% | 2,637 |
| Net loans and leases to deposits | 65.6200% | 2,859 |
| Net loans and leases to core deposits | 68.6656% | 2,899 |
| Total domestic deposits to total assets | 88.8026% | 1,386 |
| Equity capital to assets | 10.1382% | 2,732 |
| Core capital (leverage) ratio | 9.6634% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,538,000 | 2,759 |
| Average earning assets | $236,194,333 | 2,714 |
| Average equity | $25,042,667 | 2,876 |
| Average total loans | $150,602,000 | 2,680 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5259% | 2,839 |
| Cost of funding earning assets | 0.3678% | 2,373 |
| Net interest margin | 3.1581% | 2,812 |
| Noninterest income to average assets | 0.8747% | 1,397 |
| Noninterest expense to average assets | 2.6176% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2809% | 1,887 |
| Return on assets (ROA) | 1.2809% | 1,959 |
| Pretax return on assets | 1.2809% | 2,621 |
| Return on Equity (ROE) | 12.5979% | 1,791 |
| Retained earnings to average equity (ytd only) | 2.9320% | 3,804 |
| Net charge-offs to loans | 0.0816% | 786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 25.2258% | 1,159 |
| Efficiency ratio | 67.1429% | 2,048 |
| Assets per employee ($millions) | 4.7977% | 3,849 |
| Cash dividends to net income (ytd only)* | 76.7263% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,400 |
| Loan loss allowance to noncurrent loans | 176.1707% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,260 |
| Noncurrent loans to loans | 0.6279% | 2,002 |
| Net loans and leases to total assets | 60.6703% | 2,449 |
| Net loans and leases to deposits | 67.8996% | 2,714 |
| Net loans and leases to core deposits | 71.0386% | 2,783 |
| Total domestic deposits to total assets | 89.3530% | 1,146 |
| Equity capital to assets | 9.8590% | 2,837 |
| Core capital (leverage) ratio | 9.7715% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,197,500 | 2,764 |
| Average earning assets | $233,814,000 | 2,714 |
| Average equity | $24,829,500 | 2,885 |
| Average total loans | $151,882,500 | 2,673 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 1,784 |
| Cost of funding earning assets | 0.5059% | 2,916 |
| Net interest margin | 3.8196% | 1,447 |
| Noninterest income to average assets | 0.8461% | 1,403 |
| Noninterest expense to average assets | 2.7292% | 2,144 |
| Loan and lease loss provision to assets | 0.1560% | 2,420 |
| Net operating income to assets | 1.5878% | 661 |
| Return on assets (ROA) | 1.5878% | 716 |
| Pretax return on assets | 1.5878% | 1,101 |
| Return on Equity (ROE) | 15.0154% | 643 |
| Retained earnings to average equity (ytd only) | 4.0758% | 2,776 |
| Net charge-offs to loans | 0.1520% | 1,070 |
| Credit loss provision to net charge-offs | 149.3671% | 2,430 |
| Earnings coverage of net charge-offs (x) | 16.6962% | 2,116 |
| Efficiency ratio | 61.0148% | 3,309 |
| Assets per employee ($millions) | 4.5946% | 3,818 |
| Cash dividends to net income (ytd only)* | 72.8560% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,241 |
| Loan loss allowance to noncurrent loans | 137.6198% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 1,774 |
| Noncurrent loans to loans | 0.8307% | 1,687 |
| Net loans and leases to total assets | 62.3606% | 2,563 |
| Net loans and leases to deposits | 70.8410% | 2,791 |
| Net loans and leases to core deposits | 74.3115% | 2,887 |
| Total domestic deposits to total assets | 88.0289% | 1,457 |
| Equity capital to assets | 10.4903% | 2,679 |
| Core capital (leverage) ratio | 10.0568% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,920,400 | 2,749 |
| Average earning assets | $215,468,600 | 2,704 |
| Average equity | $23,995,400 | 2,878 |
| Average total loans | $155,900,800 | 2,606 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,611 |
| Cost of funding earning assets | 0.5424% | 2,975 |
| Net interest margin | 3.9425% | 1,256 |
| Noninterest income to average assets | 0.8360% | 1,382 |
| Noninterest expense to average assets | 2.7604% | 2,091 |
| Loan and lease loss provision to assets | 0.1840% | 2,144 |
| Net operating income to assets | 1.6309% | 677 |
| Return on assets (ROA) | 1.6309% | 745 |
| Pretax return on assets | 1.6309% | 1,100 |
| Return on Equity (ROE) | 15.3904% | 631 |
| Retained earnings to average equity (ytd only) | 5.9786% | 2,116 |
| Net charge-offs to loans | 0.0585% | 1,775 |
| Credit loss provision to net charge-offs | 447.8261% | 1,369 |
| Earnings coverage of net charge-offs (x) | 44.1739% | 1,285 |
| Efficiency ratio | 60.3332% | 3,344 |
| Assets per employee ($millions) | 4.4235% | 3,931 |
| Cash dividends to net income (ytd only)* | 61.1537% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,725 |
| Loan loss allowance to noncurrent loans | 121.2081% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 1,596 |
| Noncurrent loans to loans | 0.9813% | 1,524 |
| Net loans and leases to total assets | 66.6717% | 2,429 |
| Net loans and leases to deposits | 76.2525% | 2,728 |
| Net loans and leases to core deposits | 80.6550% | 2,789 |
| Total domestic deposits to total assets | 87.4355% | 1,477 |
| Equity capital to assets | 10.8677% | 2,503 |
| Core capital (leverage) ratio | 9.9957% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,921,250 | 2,743 |
| Average earning assets | $212,379,000 | 2,713 |
| Average equity | $23,728,500 | 2,888 |
| Average total loans | $157,197,750 | 2,597 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 1,462 |
| Cost of funding earning assets | 0.5907% | 3,014 |
| Net interest margin | 4.0838% | 1,152 |
| Noninterest income to average assets | 0.8392% | 1,320 |
| Noninterest expense to average assets | 2.7717% | 2,157 |
| Loan and lease loss provision to assets | 0.2389% | 1,762 |
| Net operating income to assets | 1.6918% | 633 |
| Return on assets (ROA) | 1.6918% | 684 |
| Pretax return on assets | 1.6918% | 1,017 |
| Return on Equity (ROE) | 16.1079% | 541 |
| Retained earnings to average equity (ytd only) | 5.3807% | 2,317 |
| Net charge-offs to loans | 0.0469% | 1,814 |
| Credit loss provision to net charge-offs | 716.2162% | 990 |
| Earnings coverage of net charge-offs (x) | 57.8919% | 996 |
| Efficiency ratio | 58.9419% | 3,564 |
| Assets per employee ($millions) | 4.5235% | 3,754 |
| Cash dividends to net income (ytd only)* | 66.5956% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,755 |
| Loan loss allowance to noncurrent loans | 118.4755% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 1,695 |
| Noncurrent loans to loans | 0.9752% | 1,586 |
| Net loans and leases to total assets | 66.7056% | 2,538 |
| Net loans and leases to deposits | 75.8346% | 2,887 |
| Net loans and leases to core deposits | 79.8281% | 2,965 |
| Total domestic deposits to total assets | 87.9621% | 1,196 |
| Equity capital to assets | 10.4237% | 2,816 |
| Core capital (leverage) ratio | 9.9938% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,888,000 | 2,738 |
| Average earning assets | $209,904,667 | 2,714 |
| Average equity | $23,305,333 | 2,907 |
| Average total loans | $157,862,000 | 2,584 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 1,655 |
| Cost of funding earning assets | 0.6627% | 3,102 |
| Net interest margin | 4.0572% | 1,230 |
| Noninterest income to average assets | 0.8902% | 1,088 |
| Noninterest expense to average assets | 2.8101% | 2,406 |
| Loan and lease loss provision to assets | 0.1673% | 1,755 |
| Net operating income to assets | 1.7359% | 471 |
| Return on assets (ROA) | 1.7359% | 523 |
| Pretax return on assets | 1.7359% | 804 |
| Return on Equity (ROE) | 16.4592% | 385 |
| Retained earnings to average equity (ytd only) | 1.9208% | 3,475 |
| Net charge-offs to loans | 0.0508% | 1,505 |
| Credit loss provision to net charge-offs | 450.0000% | 936 |
| Earnings coverage of net charge-offs (x) | 51.2000% | 883 |
| Efficiency ratio | 59.6215% | 3,795 |
| Assets per employee ($millions) | 4.0623% | 3,837 |
| Cash dividends to net income (ytd only)* | 88.3298% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,290 |
| Loan loss allowance to noncurrent loans | 98.7625% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8625% | 1,544 |
| Noncurrent loans to loans | 1.0982% | 1,513 |
| Net loans and leases to total assets | 70.9930% | 2,093 |
| Net loans and leases to deposits | 80.8912% | 2,590 |
| Net loans and leases to core deposits | 85.7622% | 2,702 |
| Total domestic deposits to total assets | 87.7636% | 1,204 |
| Equity capital to assets | 10.2977% | 3,523 |
| Core capital (leverage) ratio | 10.4715% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,220,500 | 2,746 |
| Average earning assets | $202,801,000 | 2,724 |
| Average equity | $22,698,500 | 2,947 |
| Average total loans | $157,422,500 | 2,569 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 1,747 |
| Cost of funding earning assets | 0.6820% | 3,253 |
| Net interest margin | 4.2180% | 1,289 |
| Noninterest income to average assets | 0.9664% | 1,042 |
| Noninterest expense to average assets | 3.0036% | 2,004 |
| Loan and lease loss provision to assets | 0.1136% | 1,853 |
| Net operating income to assets | 1.8560% | 473 |
| Return on assets (ROA) | 1.8560% | 493 |
| Pretax return on assets | 1.8560% | 826 |
| Return on Equity (ROE) | 17.4768% | 376 |
| Retained earnings to average equity (ytd only) | 4.1085% | 2,917 |
| Net charge-offs to loans | 0.1056% | 1,671 |
| Credit loss provision to net charge-offs | 145.4545% | 1,762 |
| Earnings coverage of net charge-offs (x) | 25.2242% | 1,739 |
| Efficiency ratio | 60.3959% | 3,632 |
| Assets per employee ($millions) | 4.0593% | 3,836 |
| Cash dividends to net income (ytd only)* | 76.4916% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,499 |
| Loan loss allowance to noncurrent loans | 107.4967% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 1,705 |
| Noncurrent loans to loans | 0.9319% | 1,642 |
| Net loans and leases to total assets | 73.7725% | 1,793 |
| Net loans and leases to deposits | 84.7465% | 2,241 |
| Net loans and leases to core deposits | 89.7562% | 2,448 |
| Total domestic deposits to total assets | 87.0508% | 1,581 |
| Equity capital to assets | 10.7957% | 3,187 |
| Core capital (leverage) ratio | 10.6319% | 2,825 |
| Tier 1 risk-based capital ratio | 15.4258% | 2,607 |
| Total risk-based capital ratio | 16.5335% | 2,593 |
| Memoranda: | ||
| Average total assets | $211,310,200 | 2,742 |
| Average earning assets | $200,737,000 | 2,706 |
| Average equity | $22,441,200 | 2,925 |
| Average total loans | $156,298,000 | 2,555 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 1,782 |
| Cost of funding earning assets | 0.6844% | 3,285 |
| Net interest margin | 4.2281% | 1,310 |
| Noninterest income to average assets | 0.9615% | 1,021 |
| Noninterest expense to average assets | 2.9911% | 2,007 |
| Loan and lease loss provision to assets | 0.1014% | 1,894 |
| Net operating income to assets | 1.8907% | 502 |
| Return on assets (ROA) | 1.8907% | 524 |
| Pretax return on assets | 1.8907% | 887 |
| Return on Equity (ROE) | 17.8792% | 402 |
| Retained earnings to average equity (ytd only) | 4.0937% | 3,351 |
| Net charge-offs to loans | 0.1116% | 1,355 |
| Credit loss provision to net charge-offs | 123.0769% | 1,913 |
| Earnings coverage of net charge-offs (x) | 24.1768% | 1,807 |
| Efficiency ratio | 60.0229% | 3,643 |
| Assets per employee ($millions) | 3.8966% | 4,034 |
| Cash dividends to net income (ytd only)* | 77.1037% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,546 |
| Loan loss allowance to noncurrent loans | 191.8919% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 2,613 |
| Noncurrent loans to loans | 0.5233% | 2,724 |
| Net loans and leases to total assets | 74.5669% | 1,709 |
| Net loans and leases to deposits | 86.2480% | 2,168 |
| Net loans and leases to core deposits | 91.7483% | 2,394 |
| Total domestic deposits to total assets | 86.4564% | 1,790 |
| Equity capital to assets | 11.1637% | 2,955 |
| Core capital (leverage) ratio | 10.4935% | 3,107 |
| Tier 1 risk-based capital ratio | 15.8551% | 2,495 |
| Total risk-based capital ratio | 16.9745% | 2,485 |
| Memoranda: | ||
| Average total assets | $210,352,500 | 2,771 |
| Average earning assets | $200,084,000 | 2,733 |
| Average equity | $22,245,000 | 2,960 |
| Average total loans | $155,292,250 | 2,595 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 1,879 |
| Cost of funding earning assets | 0.6586% | 3,361 |
| Net interest margin | 4.2007% | 1,364 |
| Noninterest income to average assets | 0.9328% | 997 |
| Noninterest expense to average assets | 2.9372% | 2,175 |
| Loan and lease loss provision to assets | 0.1040% | 1,804 |
| Net operating income to assets | 1.8882% | 493 |
| Return on assets (ROA) | 1.8882% | 517 |
| Pretax return on assets | 1.8882% | 855 |
| Return on Equity (ROE) | 18.1843% | 372 |
| Retained earnings to average equity (ytd only) | 4.5324% | 3,007 |
| Net charge-offs to loans | 0.1082% | 1,325 |
| Credit loss provision to net charge-offs | 130.9524% | 1,655 |
| Earnings coverage of net charge-offs (x) | 25.0952% | 1,609 |
| Efficiency ratio | 59.5859% | 3,787 |
| Assets per employee ($millions) | 3.9948% | 3,863 |
| Cash dividends to net income (ytd only)* | 75.0751% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,667 |
| Loan loss allowance to noncurrent loans | 189.8780% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 2,704 |
| Noncurrent loans to loans | 0.5231% | 2,709 |
| Net loans and leases to total assets | 73.3034% | 2,002 |
| Net loans and leases to deposits | 84.2968% | 2,460 |
| Net loans and leases to core deposits | 89.0313% | 2,693 |
| Total domestic deposits to total assets | 86.9587% | 1,612 |
| Equity capital to assets | 10.7138% | 3,332 |
| Core capital (leverage) ratio | 10.4967% | 3,096 |
| Tier 1 risk-based capital ratio | 15.5649% | 2,602 |
| Total risk-based capital ratio | 16.6695% | 2,580 |
| Memoranda: | ||
| Average total assets | $211,630,670 | 2,765 |
| Average earning assets | $201,345,670 | 2,721 |
| Average equity | $21,975,000 | 2,976 |
| Average total loans | $155,204,330 | 2,606 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 1,838 |
| Cost of funding earning assets | 0.6500% | 3,324 |
| Net interest margin | 4.1743% | 1,364 |
| Noninterest income to average assets | 0.8810% | 1,082 |
| Noninterest expense to average assets | 2.9019% | 2,274 |
| Loan and lease loss provision to assets | 0.1134% | 1,566 |
| Net operating income to assets | 1.8357% | 519 |
| Return on assets (ROA) | 1.8357% | 533 |
| Pretax return on assets | 1.8357% | 897 |
| Return on Equity (ROE) | 17.9644% | 402 |
| Retained earnings to average equity (ytd only) | 5.0138% | 2,902 |
| Net charge-offs to loans | 0.1399% | 910 |
| Credit loss provision to net charge-offs | 111.1111% | 1,486 |
| Earnings coverage of net charge-offs (x) | 19.0926% | 1,602 |
| Efficiency ratio | 59.8207% | 3,832 |
| Assets per employee ($millions) | 3.9455% | 3,996 |
| Cash dividends to net income (ytd only)* | 72.0906% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,744 |
| Loan loss allowance to noncurrent loans | 197.5578% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 2,833 |
| Noncurrent loans to loans | 0.5036% | 2,802 |
| Net loans and leases to total assets | 73.1494% | 1,951 |
| Net loans and leases to deposits | 84.3517% | 2,345 |
| Net loans and leases to core deposits | 89.3487% | 2,570 |
| Total domestic deposits to total assets | 86.7196% | 1,949 |
| Equity capital to assets | 10.5378% | 3,313 |
| Core capital (leverage) ratio | 10.2914% | 3,285 |
| Tier 1 risk-based capital ratio | 15.5303% | 2,638 |
| Total risk-based capital ratio | 16.6296% | 2,627 |
| Memoranda: | ||
| Average total assets | $211,582,500 | 2,796 |
| Average earning assets | $201,231,000 | 2,751 |
| Average equity | $21,620,500 | 3,013 |
| Average total loans | $154,426,500 | 2,646 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,728 |
| Cost of funding earning assets | 0.5570% | 3,004 |
| Net interest margin | 4.1748% | 1,469 |
| Noninterest income to average assets | 0.9240% | 1,117 |
| Noninterest expense to average assets | 2.8898% | 2,392 |
| Loan and lease loss provision to assets | 0.0937% | 2,278 |
| Net operating income to assets | 1.8995% | 445 |
| Return on assets (ROA) | 1.8995% | 440 |
| Pretax return on assets | 1.9055% | 711 |
| Return on Equity (ROE) | 19.4923% | 286 |
| Retained earnings to average equity (ytd only) | 3.4351% | 3,701 |
| Net charge-offs to loans | 0.1401% | 1,360 |
| Credit loss provision to net charge-offs | 94.3925% | 2,657 |
| Earnings coverage of net charge-offs (x) | 20.1495% | 2,015 |
| Efficiency ratio | 59.1086% | 3,994 |
| Assets per employee ($millions) | 4.0387% | 3,845 |
| Cash dividends to net income (ytd only)* | 82.3773% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,751 |
| Loan loss allowance to noncurrent loans | 168.0571% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 2,863 |
| Noncurrent loans to loans | 0.5902% | 2,519 |
| Net loans and leases to total assets | 71.3939% | 2,365 |
| Net loans and leases to deposits | 83.1135% | 2,610 |
| Net loans and leases to core deposits | 88.2842% | 2,732 |
| Total domestic deposits to total assets | 85.8992% | 2,285 |
| Equity capital to assets | 9.9065% | 3,756 |
| Core capital (leverage) ratio | 10.1269% | 3,424 |
| Tier 1 risk-based capital ratio | 15.3457% | 2,678 |
| Total risk-based capital ratio | 16.4415% | 2,676 |
| Memoranda: | ||
| Average total assets | $215,691,200 | 2,729 |
| Average earning assets | $204,847,400 | 2,681 |
| Average equity | $21,018,600 | 2,988 |
| Average total loans | $152,776,000 | 2,616 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 1,706 |
| Cost of funding earning assets | 0.5435% | 2,907 |
| Net interest margin | 4.1477% | 1,501 |
| Noninterest income to average assets | 0.9168% | 1,149 |
| Noninterest expense to average assets | 2.8424% | 2,490 |
| Loan and lease loss provision to assets | 0.0728% | 2,498 |
| Net operating income to assets | 1.9342% | 445 |
| Return on assets (ROA) | 1.9342% | 445 |
| Pretax return on assets | 1.9423% | 747 |
| Return on Equity (ROE) | 19.9309% | 278 |
| Retained earnings to average equity (ytd only) | 6.5801% | 2,348 |
| Net charge-offs to loans | 0.1426% | 1,143 |
| Credit loss provision to net charge-offs | 72.3926% | 2,608 |
| Earnings coverage of net charge-offs (x) | 20.0366% | 1,969 |
| Efficiency ratio | 58.5164% | 4,039 |
| Assets per employee ($millions) | 4.0465% | 3,810 |
| Cash dividends to net income (ytd only)* | 66.9856% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,923 |
| Loan loss allowance to noncurrent loans | 253.4687% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,244 |
| Noncurrent loans to loans | 0.3843% | 3,276 |
| Net loans and leases to total assets | 72.3657% | 2,280 |
| Net loans and leases to deposits | 84.5866% | 2,527 |
| Net loans and leases to core deposits | 90.8154% | 2,585 |
| Total domestic deposits to total assets | 85.5522% | 2,371 |
| Equity capital to assets | 10.0204% | 3,627 |
| Core capital (leverage) ratio | 10.1000% | 3,521 |
| Tier 1 risk-based capital ratio | 15.5914% | 2,609 |
| Total risk-based capital ratio | 16.6650% | 2,615 |
| Memoranda: | ||
| Average total assets | $216,101,000 | 2,738 |
| Average earning assets | $205,315,250 | 2,691 |
| Average equity | $20,972,000 | 3,014 |
| Average total loans | $152,382,250 | 2,630 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 1,762 |
| Cost of funding earning assets | 0.5201% | 2,839 |
| Net interest margin | 4.0863% | 1,601 |
| Noninterest income to average assets | 0.8927% | 1,199 |
| Noninterest expense to average assets | 2.7909% | 2,684 |
| Loan and lease loss provision to assets | 0.0321% | 3,271 |
| Net operating income to assets | 1.9358% | 428 |
| Return on assets (ROA) | 1.9358% | 427 |
| Pretax return on assets | 1.9478% | 692 |
| Return on Equity (ROE) | 20.1583% | 253 |
| Retained earnings to average equity (ytd only) | 6.5443% | 2,286 |
| Net charge-offs to loans | 0.1251% | 1,180 |
| Credit loss provision to net charge-offs | 36.8421% | 2,588 |
| Earnings coverage of net charge-offs (x) | 22.7158% | 1,734 |
| Efficiency ratio | 58.5000% | 4,156 |
| Assets per employee ($millions) | 3.6243% | 4,434 |
| Cash dividends to net income (ytd only)* | 67.5355% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,941 |
| Loan loss allowance to noncurrent loans | 334.7630% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,163 |
| Noncurrent loans to loans | 0.2936% | 3,647 |
| Net loans and leases to total assets | 69.8593% | 2,599 |
| Net loans and leases to deposits | 81.8945% | 2,779 |
| Net loans and leases to core deposits | 88.4818% | 2,679 |
| Total domestic deposits to total assets | 85.3040% | 2,564 |
| Equity capital to assets | 9.8530% | 3,767 |
| Core capital (leverage) ratio | 9.7699% | 3,818 |
| Tier 1 risk-based capital ratio | 15.5315% | 2,625 |
| Total risk-based capital ratio | 16.6075% | 2,639 |
| Memoranda: | ||
| Average total assets | $217,994,670 | 2,744 |
| Average earning assets | $206,887,670 | 2,697 |
| Average equity | $20,934,330 | 3,027 |
| Average total loans | $151,919,670 | 2,646 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 1,748 |
| Cost of funding earning assets | 0.5142% | 2,691 |
| Net interest margin | 4.0255% | 1,640 |
| Noninterest income to average assets | 0.8633% | 1,256 |
| Noninterest expense to average assets | 2.7009% | 3,038 |
| Loan and lease loss provision to assets | 0.0327% | 3,068 |
| Net operating income to assets | 1.9212% | 432 |
| Return on assets (ROA) | 1.9212% | 431 |
| Pretax return on assets | 1.9430% | 654 |
| Return on Equity (ROE) | 20.2617% | 231 |
| Retained earnings to average equity (ytd only) | 6.3641% | 2,558 |
| Net charge-offs to loans | 0.1364% | 988 |
| Credit loss provision to net charge-offs | 34.6154% | 2,042 |
| Earnings coverage of net charge-offs (x) | 20.9038% | 1,452 |
| Efficiency ratio | 57.7536% | 4,379 |
| Assets per employee ($millions) | 4.3089% | 3,469 |
| Cash dividends to net income (ytd only)* | 68.5904% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,976 |
| Loan loss allowance to noncurrent loans | 546.7391% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 3,720 |
| Noncurrent loans to loans | 0.1826% | 4,148 |
| Net loans and leases to total assets | 68.1024% | 2,760 |
| Net loans and leases to deposits | 79.3116% | 2,886 |
| Net loans and leases to core deposits | 85.4743% | 2,849 |
| Total domestic deposits to total assets | 85.8669% | 2,605 |
| Equity capital to assets | 9.4656% | 4,123 |
| Core capital (leverage) ratio | 9.5822% | 3,983 |
| Tier 1 risk-based capital ratio | 15.0007% | 2,862 |
| Total risk-based capital ratio | 16.0760% | 2,896 |
| Memoranda: | ||
| Average total assets | $220,075,000 | 2,756 |
| Average earning assets | $208,472,500 | 2,710 |
| Average equity | $20,867,000 | 3,063 |
| Average total loans | $152,446,500 | 2,656 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 1,208 |
| Cost of funding earning assets | 0.4925% | 2,404 |
| Net interest margin | 4.2023% | 1,185 |
| Noninterest income to average assets | 0.9241% | 1,205 |
| Noninterest expense to average assets | 2.9708% | 2,245 |
| Loan and lease loss provision to assets | 0.1404% | 1,626 |
| Net operating income to assets | 1.7581% | 471 |
| Return on assets (ROA) | 1.7581% | 477 |
| Pretax return on assets | 1.7821% | 828 |
| Return on Equity (ROE) | 17.1884% | 376 |
| Retained earnings to average equity (ytd only) | 3.0800% | 3,454 |
| Net charge-offs to loans | 0.0875% | 2,218 |
| Credit loss provision to net charge-offs | 217.4242% | 1,256 |
| Earnings coverage of net charge-offs (x) | 29.7727% | 1,556 |
| Efficiency ratio | 60.7118% | 4,157 |
| Assets per employee ($millions) | 4.1584% | 3,723 |
| Cash dividends to net income (ytd only)* | 82.0812% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,916 |
| Loan loss allowance to noncurrent loans | 304.9407% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 3,348 |
| Noncurrent loans to loans | 0.3292% | 3,589 |
| Net loans and leases to total assets | 69.0499% | 2,676 |
| Net loans and leases to deposits | 80.7809% | 2,837 |
| Net loans and leases to core deposits | 87.0389% | 2,819 |
| Total domestic deposits to total assets | 85.4780% | 2,661 |
| Equity capital to assets | 9.4979% | 4,237 |
| Core capital (leverage) ratio | 9.7975% | 3,699 |
| Tier 1 risk-based capital ratio | 14.6246% | 3,023 |
| Total risk-based capital ratio | 15.7137% | 3,026 |
| Memoranda: | ||
| Average total assets | $204,423,200 | 2,882 |
| Average earning assets | $193,084,600 | 2,833 |
| Average equity | $20,909,400 | 3,041 |
| Average total loans | $150,803,800 | 2,646 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,098 |
| Cost of funding earning assets | 0.4984% | 2,281 |
| Net interest margin | 4.2169% | 1,118 |
| Noninterest income to average assets | 0.9479% | 1,146 |
| Noninterest expense to average assets | 3.0088% | 2,086 |
| Loan and lease loss provision to assets | 0.1909% | 1,013 |
| Net operating income to assets | 1.7083% | 571 |
| Return on assets (ROA) | 1.7083% | 582 |
| Pretax return on assets | 1.7329% | 1,040 |
| Return on Equity (ROE) | 16.3796% | 487 |
| Retained earnings to average equity (ytd only) | 3.6229% | 3,765 |
| Net charge-offs to loans | 0.1155% | 1,636 |
| Credit loss provision to net charge-offs | 220.7692% | 1,253 |
| Earnings coverage of net charge-offs (x) | 22.2460% | 1,873 |
| Efficiency ratio | 60.9980% | 4,043 |
| Assets per employee ($millions) | 3.8066% | 4,303 |
| Cash dividends to net income (ytd only)* | 77.8817% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,884 |
| Loan loss allowance to noncurrent loans | 239.5349% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 3,697 |
| Noncurrent loans to loans | 0.4316% | 3,414 |
| Net loans and leases to total assets | 73.3057% | 2,041 |
| Net loans and leases to deposits | 87.4037% | 2,138 |
| Net loans and leases to core deposits | 94.1611% | 2,264 |
| Total domestic deposits to total assets | 83.8702% | 3,167 |
| Equity capital to assets | 10.5561% | 3,302 |
| Core capital (leverage) ratio | 10.2036% | 3,309 |
| Tier 1 risk-based capital ratio | 14.9617% | 2,933 |
| Total risk-based capital ratio | 16.0814% | 2,928 |
| Memoranda: | ||
| Average total assets | $200,429,750 | 2,948 |
| Average earning assets | $189,393,000 | 2,900 |
| Average equity | $20,903,500 | 3,071 |
| Average total loans | $150,073,000 | 2,674 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,125 |
| Cost of funding earning assets | 0.4956% | 2,202 |
| Net interest margin | 4.1719% | 1,142 |
| Noninterest income to average assets | 0.9721% | 1,083 |
| Noninterest expense to average assets | 2.9602% | 2,235 |
| Loan and lease loss provision to assets | 0.2590% | 635 |
| Net operating income to assets | 1.6771% | 588 |
| Return on assets (ROA) | 1.6771% | 607 |
| Pretax return on assets | 1.7011% | 1,059 |
| Return on Equity (ROE) | 16.1465% | 508 |
| Retained earnings to average equity (ytd only) | 3.1484% | 3,834 |
| Net charge-offs to loans | 0.1544% | 1,231 |
| Credit loss provision to net charge-offs | 223.2759% | 1,163 |
| Earnings coverage of net charge-offs (x) | 16.8966% | 1,956 |
| Efficiency ratio | 60.1626% | 4,295 |
| Assets per employee ($millions) | 3.7874% | 4,297 |
| Cash dividends to net income (ytd only)* | 80.5009% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,993 |
| Loan loss allowance to noncurrent loans | 242.6307% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,716 |
| Noncurrent loans to loans | 0.4224% | 3,506 |
| Net loans and leases to total assets | 73.6558% | 1,936 |
| Net loans and leases to deposits | 87.7964% | 2,012 |
| Net loans and leases to core deposits | 94.7708% | 2,087 |
| Total domestic deposits to total assets | 83.8939% | 3,242 |
| Equity capital to assets | 10.5355% | 3,293 |
| Core capital (leverage) ratio | 10.0094% | 3,528 |
| Tier 1 risk-based capital ratio | 14.9074% | 2,968 |
| Total risk-based capital ratio | 16.0261% | 2,958 |
| Memoranda: | ||
| Average total assets | $199,989,330 | 2,970 |
| Average earning assets | $189,265,000 | 2,916 |
| Average equity | $20,772,330 | 3,085 |
| Average total loans | $150,284,000 | 2,675 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,136 |
| Cost of funding earning assets | 0.5033% | 2,063 |
| Net interest margin | 4.1007% | 1,217 |
| Noninterest income to average assets | 1.0720% | 871 |
| Noninterest expense to average assets | 2.8575% | 2,590 |
| Loan and lease loss provision to assets | 0.2785% | 513 |
| Net operating income to assets | 1.7974% | 450 |
| Return on assets (ROA) | 1.7974% | 464 |
| Pretax return on assets | 1.8215% | 753 |
| Return on Equity (ROE) | 17.4306% | 379 |
| Retained earnings to average equity (ytd only) | 4.3139% | 3,266 |
| Net charge-offs to loans | 0.1274% | 1,158 |
| Credit loss provision to net charge-offs | 289.5833% | 806 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,438 |
| Efficiency ratio | 57.6395% | 4,757 |
| Assets per employee ($millions) | 3.8433% | 4,276 |
| Cash dividends to net income (ytd only)* | 75.2508% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 4,360 |
| Loan loss allowance to noncurrent loans | 167.8774% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 2,930 |
| Noncurrent loans to loans | 0.5882% | 3,046 |
| Net loans and leases to total assets | 74.2063% | 1,701 |
| Net loans and leases to deposits | 88.4350% | 1,736 |
| Net loans and leases to core deposits | 95.1373% | 1,881 |
| Total domestic deposits to total assets | 83.9105% | 3,511 |
| Equity capital to assets | 10.3872% | 3,309 |
| Core capital (leverage) ratio | 10.0338% | 3,455 |
| Tier 1 risk-based capital ratio | 14.8271% | 3,056 |
| Total risk-based capital ratio | 15.9075% | 3,063 |
| Memoranda: | ||
| Average total assets | $199,618,500 | 3,000 |
| Average earning assets | $189,139,000 | 2,947 |
| Average equity | $20,584,500 | 3,113 |
| Average total loans | $150,735,500 | 2,689 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 1,000 |
| Cost of funding earning assets | 0.4926% | 2,144 |
| Net interest margin | 4.2406% | 1,029 |
| Noninterest income to average assets | 0.8877% | 1,452 |
| Noninterest expense to average assets | 3.0127% | 2,315 |
| Loan and lease loss provision to assets | 0.1492% | 1,671 |
| Net operating income to assets | 1.7263% | 512 |
| Return on assets (ROA) | 1.7263% | 542 |
| Pretax return on assets | 1.7514% | 884 |
| Return on Equity (ROE) | 16.5141% | 453 |
| Retained earnings to average equity (ytd only) | 4.6590% | 2,579 |
| Net charge-offs to loans | 0.2539% | 1,087 |
| Credit loss provision to net charge-offs | 77.0449% | 3,020 |
| Earnings coverage of net charge-offs (x) | 9.8127% | 2,716 |
| Efficiency ratio | 61.3168% | 4,369 |
| Assets per employee ($millions) | 3.7620% | 4,376 |
| Cash dividends to net income (ytd only)* | 71.7880% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,727 |
| Loan loss allowance to noncurrent loans | 163.8725% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,946 |
| Noncurrent loans to loans | 0.5584% | 3,170 |
| Net loans and leases to total assets | 75.3824% | 1,621 |
| Net loans and leases to deposits | 89.6453% | 1,729 |
| Net loans and leases to core deposits | 96.3110% | 1,900 |
| Total domestic deposits to total assets | 84.0897% | 3,392 |
| Equity capital to assets | 10.2364% | 3,460 |
| Core capital (leverage) ratio | 10.1522% | 3,300 |
| Tier 1 risk-based capital ratio | 14.3447% | 3,255 |
| Total risk-based capital ratio | 15.3365% | 3,333 |
| Memoranda: | ||
| Average total assets | $195,673,600 | 3,001 |
| Average earning assets | $185,751,800 | 2,943 |
| Average equity | $20,455,200 | 3,121 |
| Average total loans | $149,253,800 | 2,655 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 1,004 |
| Cost of funding earning assets | 0.4939% | 2,138 |
| Net interest margin | 4.2395% | 1,045 |
| Noninterest income to average assets | 0.8955% | 1,421 |
| Noninterest expense to average assets | 3.0391% | 2,206 |
| Loan and lease loss provision to assets | 0.1150% | 2,011 |
| Net operating income to assets | 1.7479% | 542 |
| Return on assets (ROA) | 1.7479% | 573 |
| Pretax return on assets | 1.7732% | 945 |
| Return on Equity (ROE) | 16.6316% | 479 |
| Retained earnings to average equity (ytd only) | 4.2540% | 3,297 |
| Net charge-offs to loans | 0.1480% | 1,513 |
| Credit loss provision to net charge-offs | 101.8182% | 2,314 |
| Earnings coverage of net charge-offs (x) | 16.7155% | 2,095 |
| Efficiency ratio | 61.6785% | 4,282 |
| Assets per employee ($millions) | 3.5837% | 4,664 |
| Cash dividends to net income (ytd only)* | 74.4224% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 4,480 |
| Loan loss allowance to noncurrent loans | 112.2248% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 2,354 |
| Noncurrent loans to loans | 0.8804% | 2,500 |
| Net loans and leases to total assets | 76.5381% | 1,433 |
| Net loans and leases to deposits | 92.0186% | 1,496 |
| Net loans and leases to core deposits | 99.7992% | 1,656 |
| Total domestic deposits to total assets | 83.1768% | 3,523 |
| Equity capital to assets | 10.7716% | 3,283 |
| Core capital (leverage) ratio | 10.0022% | 3,564 |
| Tier 1 risk-based capital ratio | 14.3404% | 3,373 |
| Total risk-based capital ratio | 15.4145% | 3,401 |
| Memoranda: | ||
| Average total assets | $194,745,500 | 3,021 |
| Average earning assets | $185,204,250 | 2,967 |
| Average equity | $20,466,500 | 3,151 |
| Average total loans | $148,644,750 | 2,662 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 988 |
| Cost of funding earning assets | 0.4937% | 2,158 |
| Net interest margin | 4.2350% | 1,049 |
| Noninterest income to average assets | 0.8752% | 1,454 |
| Noninterest expense to average assets | 3.0581% | 2,176 |
| Loan and lease loss provision to assets | 0.1086% | 2,051 |
| Net operating income to assets | 1.7094% | 570 |
| Return on assets (ROA) | 1.7094% | 598 |
| Pretax return on assets | 1.7350% | 1,013 |
| Return on Equity (ROE) | 16.4009% | 492 |
| Retained earnings to average equity (ytd only) | 2.8810% | 4,073 |
| Net charge-offs to loans | 0.0796% | 2,057 |
| Credit loss provision to net charge-offs | 179.6610% | 1,404 |
| Earnings coverage of net charge-offs (x) | 30.4915% | 1,379 |
| Efficiency ratio | 62.3876% | 4,287 |
| Assets per employee ($millions) | 3.3758% | 4,964 |
| Cash dividends to net income (ytd only)* | 82.4341% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 4,346 |
| Loan loss allowance to noncurrent loans | 120.8896% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 2,635 |
| Noncurrent loans to loans | 0.8522% | 2,608 |
| Net loans and leases to total assets | 75.9882% | 1,492 |
| Net loans and leases to deposits | 91.1623% | 1,611 |
| Net loans and leases to core deposits | 99.2183% | 1,693 |
| Total domestic deposits to total assets | 83.3548% | 3,519 |
| Equity capital to assets | 10.6937% | 3,408 |
| Core capital (leverage) ratio | 9.7274% | 3,896 |
| Tier 1 risk-based capital ratio | 14.4494% | 3,348 |
| Total risk-based capital ratio | 15.5844% | 3,336 |
| Memoranda: | ||
| Average total assets | $195,154,670 | 3,040 |
| Average earning assets | $185,547,670 | 2,981 |
| Average equity | $20,340,330 | 3,160 |
| Average total loans | $148,328,670 | 2,674 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 969 |
| Cost of funding earning assets | 0.4837% | 2,239 |
| Net interest margin | 4.2572% | 982 |
| Noninterest income to average assets | 0.8834% | 1,349 |
| Noninterest expense to average assets | 3.0083% | 2,364 |
| Loan and lease loss provision to assets | 0.1852% | 1,073 |
| Net operating income to assets | 1.7138% | 557 |
| Return on assets (ROA) | 1.7138% | 596 |
| Pretax return on assets | 1.7382% | 971 |
| Return on Equity (ROE) | 16.6551% | 472 |
| Retained earnings to average equity (ytd only) | -0.1582% | 5,132 |
| Net charge-offs to loans | 0.0565% | 1,953 |
| Credit loss provision to net charge-offs | 433.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 944 |
| Efficiency ratio | 60.9988% | 4,602 |
| Assets per employee ($millions) | 3.5620% | 4,719 |
| Cash dividends to net income (ytd only)* | 100.9501% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 4,436 |
| Loan loss allowance to noncurrent loans | 160.1036% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 3,155 |
| Noncurrent loans to loans | 0.6446% | 3,238 |
| Net loans and leases to total assets | 75.6216% | 1,448 |
| Net loans and leases to deposits | 90.1474% | 1,561 |
| Net loans and leases to core deposits | 98.0386% | 1,632 |
| Total domestic deposits to total assets | 83.8866% | 3,562 |
| Equity capital to assets | 10.3292% | 3,711 |
| Core capital (leverage) ratio | 9.5749% | 4,068 |
| Tier 1 risk-based capital ratio | 14.0623% | 3,648 |
| Total risk-based capital ratio | 15.2025% | 3,647 |
| Memoranda: | ||
| Average total assets | $196,521,000 | 3,027 |
| Average earning assets | $186,882,000 | 2,967 |
| Average equity | $20,222,000 | 3,177 |
| Average total loans | $148,623,000 | 2,674 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 820 |
| Cost of funding earning assets | 0.4726% | 2,416 |
| Net interest margin | 4.4010% | 792 |
| Noninterest income to average assets | 0.8665% | 1,541 |
| Noninterest expense to average assets | 3.0799% | 2,299 |
| Loan and lease loss provision to assets | 0.1912% | 1,155 |
| Net operating income to assets | 1.7388% | 539 |
| Return on assets (ROA) | 1.7388% | 562 |
| Pretax return on assets | 1.7632% | 865 |
| Return on Equity (ROE) | 16.2919% | 525 |
| Retained earnings to average equity (ytd only) | -1.7722% | 5,736 |
| Net charge-offs to loans | 0.2387% | 1,249 |
| Credit loss provision to net charge-offs | 105.7637% | 2,377 |
| Earnings coverage of net charge-offs (x) | 10.8098% | 2,653 |
| Efficiency ratio | 61.1778% | 4,738 |
| Assets per employee ($millions) | 3.4584% | 4,894 |
| Cash dividends to net income (ytd only)* | 110.8780% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,621 |
| Loan loss allowance to noncurrent loans | 238.6731% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 3,670 |
| Noncurrent loans to loans | 0.4188% | 3,951 |
| Net loans and leases to total assets | 74.1005% | 1,710 |
| Net loans and leases to deposits | 88.1116% | 1,867 |
| Net loans and leases to core deposits | 95.0378% | 1,937 |
| Total domestic deposits to total assets | 84.0984% | 3,448 |
| Equity capital to assets | 10.2511% | 3,679 |
| Core capital (leverage) ratio | 9.8617% | 3,700 |
| Tier 1 risk-based capital ratio | 14.2592% | 3,573 |
| Total risk-based capital ratio | 15.3611% | 3,570 |
| Memoranda: | ||
| Average total assets | $191,919,000 | 3,026 |
| Average earning assets | $181,753,800 | 2,982 |
| Average equity | $20,482,600 | 3,124 |
| Average total loans | $145,400,800 | 2,661 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 782 |
| Cost of funding earning assets | 0.4758% | 2,445 |
| Net interest margin | 4.4130% | 772 |
| Noninterest income to average assets | 0.8883% | 1,484 |
| Noninterest expense to average assets | 3.0889% | 2,251 |
| Loan and lease loss provision to assets | 0.1854% | 1,116 |
| Net operating income to assets | 1.7676% | 556 |
| Return on assets (ROA) | 1.7676% | 572 |
| Pretax return on assets | 1.7920% | 913 |
| Return on Equity (ROE) | 16.3944% | 546 |
| Retained earnings to average equity (ytd only) | -3.0687% | 5,941 |
| Net charge-offs to loans | 0.2568% | 1,024 |
| Credit loss provision to net charge-offs | 94.9821% | 2,390 |
| Earnings coverage of net charge-offs (x) | 10.1326% | 2,623 |
| Efficiency ratio | 60.9692% | 4,736 |
| Assets per employee ($millions) | 3.4197% | 4,946 |
| Cash dividends to net income (ytd only)* | 118.7178% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,819 |
| Loan loss allowance to noncurrent loans | 235.0734% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 3,541 |
| Noncurrent loans to loans | 0.4188% | 4,100 |
| Net loans and leases to total assets | 77.0526% | 1,245 |
| Net loans and leases to deposits | 93.4703% | 1,259 |
| Net loans and leases to core deposits | 101.1298% | 1,434 |
| Total domestic deposits to total assets | 82.4353% | 4,011 |
| Equity capital to assets | 10.7474% | 3,304 |
| Core capital (leverage) ratio | 9.9235% | 3,739 |
| Tier 1 risk-based capital ratio | 14.2660% | 3,688 |
| Total risk-based capital ratio | 15.3490% | 3,733 |
| Memoranda: | ||
| Average total assets | $190,616,000 | 3,070 |
| Average earning assets | $180,464,250 | 3,016 |
| Average equity | $20,551,250 | 3,147 |
| Average total loans | $144,863,500 | 2,683 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 743 |
| Cost of funding earning assets | 0.4750% | 2,470 |
| Net interest margin | 4.4182% | 739 |
| Noninterest income to average assets | 0.9213% | 1,385 |
| Noninterest expense to average assets | 3.0858% | 2,285 |
| Loan and lease loss provision to assets | 0.1891% | 1,057 |
| Net operating income to assets | 1.8019% | 514 |
| Return on assets (ROA) | 1.8019% | 537 |
| Pretax return on assets | 1.8249% | 855 |
| Return on Equity (ROE) | 16.6960% | 530 |
| Retained earnings to average equity (ytd only) | -3.6296% | 5,951 |
| Net charge-offs to loans | 0.2147% | 1,187 |
| Credit loss provision to net charge-offs | 116.7742% | 1,846 |
| Earnings coverage of net charge-offs (x) | 12.4387% | 2,201 |
| Efficiency ratio | 60.5080% | 4,913 |
| Assets per employee ($millions) | 3.3919% | 4,998 |
| Cash dividends to net income (ytd only)* | 121.7391% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,662 |
| Loan loss allowance to noncurrent loans | 202.8767% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 3,458 |
| Noncurrent loans to loans | 0.5126% | 3,917 |
| Net loans and leases to total assets | 74.1925% | 1,630 |
| Net loans and leases to deposits | 89.0102% | 1,718 |
| Net loans and leases to core deposits | 95.4642% | 1,850 |
| Total domestic deposits to total assets | 83.3529% | 3,813 |
| Equity capital to assets | 10.6497% | 3,272 |
| Core capital (leverage) ratio | 9.7377% | 3,955 |
| Tier 1 risk-based capital ratio | 14.7950% | 3,475 |
| Total risk-based capital ratio | 15.9452% | 3,461 |
| Memoranda: | ||
| Average total assets | $191,460,670 | 3,085 |
| Average earning assets | $181,070,330 | 3,037 |
| Average equity | $20,663,670 | 3,144 |
| Average total loans | $144,363,670 | 2,694 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 710 |
| Cost of funding earning assets | 0.4775% | 2,475 |
| Net interest margin | 4.4145% | 709 |
| Noninterest income to average assets | 0.9364% | 1,279 |
| Noninterest expense to average assets | 3.0195% | 2,519 |
| Loan and lease loss provision to assets | 0.1873% | 1,009 |
| Net operating income to assets | 1.8812% | 420 |
| Return on assets (ROA) | 1.8812% | 445 |
| Pretax return on assets | 1.9041% | 715 |
| Return on Equity (ROE) | 17.3172% | 447 |
| Retained earnings to average equity (ytd only) | -1.8390% | 5,673 |
| Net charge-offs to loans | 0.1321% | 1,456 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 20.9375% | 1,395 |
| Efficiency ratio | 59.0798% | 5,213 |
| Assets per employee ($millions) | 3.4536% | 4,979 |
| Cash dividends to net income (ytd only)* | 110.6195% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 4,838 |
| Loan loss allowance to noncurrent loans | 171.6743% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 3,259 |
| Noncurrent loans to loans | 0.6037% | 3,764 |
| Net loans and leases to total assets | 75.2543% | 1,317 |
| Net loans and leases to deposits | 90.6602% | 1,327 |
| Net loans and leases to core deposits | 98.2690% | 1,452 |
| Total domestic deposits to total assets | 83.0069% | 4,177 |
| Equity capital to assets | 11.0067% | 2,962 |
| Core capital (leverage) ratio | 9.8694% | 3,790 |
| Tier 1 risk-based capital ratio | 14.9728% | 3,451 |
| Total risk-based capital ratio | 16.2230% | 3,376 |
| Memoranda: | ||
| Average total assets | $192,216,500 | 3,089 |
| Average earning assets | $181,764,000 | 3,048 |
| Average equity | $20,881,000 | 3,144 |
| Average total loans | $145,341,000 | 2,683 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 755 |
| Cost of funding earning assets | 0.6085% | 1,694 |
| Net interest margin | 4.4005% | 886 |
| Noninterest income to average assets | 0.8805% | 1,567 |
| Noninterest expense to average assets | 3.0880% | 2,564 |
| Loan and lease loss provision to assets | 0.2807% | 756 |
| Net operating income to assets | 1.6622% | 622 |
| Return on assets (ROA) | 1.6622% | 651 |
| Pretax return on assets | 1.6841% | 1,015 |
| Return on Equity (ROE) | 15.7294% | 657 |
| Retained earnings to average equity (ytd only) | 2.4494% | 4,485 |
| Net charge-offs to loans | 0.3383% | 1,299 |
| Credit loss provision to net charge-offs | 111.1111% | 2,144 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,979 |
| Efficiency ratio | 61.1151% | 5,047 |
| Assets per employee ($millions) | 3.4120% | 5,029 |
| Cash dividends to net income (ytd only)* | 84.4278% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,088 |
| Loan loss allowance to noncurrent loans | 137.2642% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 3,255 |
| Noncurrent loans to loans | 0.7248% | 3,512 |
| Net loans and leases to total assets | 74.4458% | 1,506 |
| Net loans and leases to deposits | 88.7191% | 1,648 |
| Net loans and leases to core deposits | 96.0565% | 1,720 |
| Total domestic deposits to total assets | 83.9119% | 3,758 |
| Equity capital to assets | 10.7232% | 3,209 |
| Core capital (leverage) ratio | 9.8910% | 3,722 |
| Tier 1 risk-based capital ratio | 14.9676% | 3,500 |
| Total risk-based capital ratio | 16.0852% | 3,512 |
| Memoranda: | ||
| Average total assets | $192,392,000 | 3,080 |
| Average earning assets | $182,409,400 | 3,009 |
| Average equity | $20,331,400 | 3,129 |
| Average total loans | $143,665,800 | 2,656 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 765 |
| Cost of funding earning assets | 0.6478% | 1,470 |
| Net interest margin | 4.3567% | 944 |
| Noninterest income to average assets | 0.9089% | 1,498 |
| Noninterest expense to average assets | 3.0930% | 2,489 |
| Loan and lease loss provision to assets | 0.3016% | 651 |
| Net operating income to assets | 1.6289% | 699 |
| Return on assets (ROA) | 1.6289% | 726 |
| Pretax return on assets | 1.6504% | 1,178 |
| Return on Equity (ROE) | 15.4712% | 748 |
| Retained earnings to average equity (ytd only) | 3.2606% | 4,304 |
| Net charge-offs to loans | 0.1613% | 2,191 |
| Credit loss provision to net charge-offs | 250.8671% | 1,041 |
| Earnings coverage of net charge-offs (x) | 16.2371% | 1,993 |
| Efficiency ratio | 61.3085% | 4,988 |
| Assets per employee ($millions) | 3.3821% | 5,073 |
| Cash dividends to net income (ytd only)* | 78.9250% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 4,578 |
| Loan loss allowance to noncurrent loans | 72.7352% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 2,585 |
| Noncurrent loans to loans | 1.5612% | 2,084 |
| Net loans and leases to total assets | 75.0629% | 1,356 |
| Net loans and leases to deposits | 92.4006% | 1,193 |
| Net loans and leases to core deposits | 100.4087% | 1,330 |
| Total domestic deposits to total assets | 81.2364% | 4,756 |
| Equity capital to assets | 10.7814% | 3,203 |
| Core capital (leverage) ratio | 9.8795% | 3,839 |
| Tier 1 risk-based capital ratio | 14.9795% | 3,602 |
| Total risk-based capital ratio | 16.2297% | 3,527 |
| Memoranda: | ||
| Average total assets | $191,868,750 | 3,106 |
| Average earning assets | $182,150,500 | 3,033 |
| Average equity | $20,200,500 | 3,149 |
| Average total loans | $143,022,000 | 2,686 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 691 |
| Cost of funding earning assets | 0.7097% | 1,144 |
| Net interest margin | 4.3350% | 962 |
| Noninterest income to average assets | 0.8739% | 1,580 |
| Noninterest expense to average assets | 3.1028% | 2,484 |
| Loan and lease loss provision to assets | 0.3111% | 621 |
| Net operating income to assets | 1.5452% | 802 |
| Return on assets (ROA) | 1.5452% | 836 |
| Pretax return on assets | 1.5671% | 1,341 |
| Return on Equity (ROE) | 14.7956% | 823 |
| Retained earnings to average equity (ytd only) | -4.1987% | 6,189 |
| Net charge-offs to loans | 0.0662% | 3,047 |
| Credit loss provision to net charge-offs | 634.0426% | 480 |
| Earnings coverage of net charge-offs (x) | 38.2766% | 1,092 |
| Efficiency ratio | 62.2930% | 4,967 |
| Assets per employee ($millions) | 3.6476% | 4,553 |
| Cash dividends to net income (ytd only)* | 128.3784% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,642 |
| Loan loss allowance to noncurrent loans | 142.1687% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 4,069 |
| Noncurrent loans to loans | 0.8122% | 3,680 |
| Net loans and leases to total assets | 73.1555% | 1,553 |
| Net loans and leases to deposits | 87.4343% | 1,664 |
| Net loans and leases to core deposits | 95.3815% | 1,653 |
| Total domestic deposits to total assets | 83.6691% | 4,048 |
| Equity capital to assets | 10.5953% | 3,316 |
| Core capital (leverage) ratio | 9.8295% | 3,846 |
| Tier 1 risk-based capital ratio | 15.1267% | 3,569 |
| Total risk-based capital ratio | 16.3774% | 3,515 |
| Memoranda: | ||
| Average total assets | $191,566,000 | 3,130 |
| Average earning assets | $181,497,330 | 3,060 |
| Average equity | $20,006,000 | 3,167 |
| Average total loans | $141,907,330 | 2,700 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 564 |
| Cost of funding earning assets | 0.6990% | 1,255 |
| Net interest margin | 4.4306% | 756 |
| Noninterest income to average assets | 0.8747% | 1,470 |
| Noninterest expense to average assets | 2.9787% | 2,947 |
| Loan and lease loss provision to assets | 0.2182% | 1,042 |
| Net operating income to assets | 1.8585% | 436 |
| Return on assets (ROA) | 1.8585% | 459 |
| Pretax return on assets | 1.8795% | 681 |
| Return on Equity (ROE) | 17.9284% | 447 |
| Retained earnings to average equity (ytd only) | -9.3891% | 6,340 |
| Net charge-offs to loans | 0.0198% | 3,192 |
| Credit loss provision to net charge-offs | 1,485.7143% | 234 |
| Earnings coverage of net charge-offs (x) | 142.8571% | 344 |
| Efficiency ratio | 58.6777% | 5,584 |
| Assets per employee ($millions) | 3.3627% | 5,226 |
| Cash dividends to net income (ytd only)* | 152.3702% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 5,304 |
| Loan loss allowance to noncurrent loans | 119.0779% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 4,153 |
| Noncurrent loans to loans | 0.8843% | 3,669 |
| Net loans and leases to total assets | 73.4417% | 1,362 |
| Net loans and leases to deposits | 87.7114% | 1,389 |
| Net loans and leases to core deposits | 96.2674% | 1,364 |
| Total domestic deposits to total assets | 83.7311% | 4,377 |
| Equity capital to assets | 10.4683% | 3,275 |
| Core capital (leverage) ratio | 9.9064% | 3,703 |
| Tier 1 risk-based capital ratio | 15.0550% | 3,687 |
| Total risk-based capital ratio | 16.2282% | 3,673 |
| Memoranda: | ||
| Average total assets | $190,688,500 | 3,160 |
| Average earning assets | $180,833,000 | 3,085 |
| Average equity | $19,767,500 | 3,193 |
| Average total loans | $141,322,500 | 2,717 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 639 |
| Cost of funding earning assets | 0.7622% | 1,426 |
| Net interest margin | 4.4372% | 846 |
| Noninterest income to average assets | 0.8240% | 1,966 |
| Noninterest expense to average assets | 3.0143% | 3,012 |
| Loan and lease loss provision to assets | 0.1772% | 2,087 |
| Net operating income to assets | 1.7909% | 492 |
| Return on assets (ROA) | 1.7909% | 508 |
| Pretax return on assets | 1.8123% | 736 |
| Return on Equity (ROE) | 16.4194% | 573 |
| Retained earnings to average equity (ytd only) | 0.4663% | 5,636 |
| Net charge-offs to loans | 0.2336% | 2,582 |
| Credit loss provision to net charge-offs | 105.0794% | 2,299 |
| Earnings coverage of net charge-offs (x) | 11.7968% | 2,197 |
| Efficiency ratio | 60.2397% | 5,438 |
| Assets per employee ($millions) | 3.2153% | 5,464 |
| Cash dividends to net income (ytd only)* | 97.1599% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 5,579 |
| Loan loss allowance to noncurrent loans | 305.2288% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 5,552 |
| Noncurrent loans to loans | 0.3270% | 5,202 |
| Net loans and leases to total assets | 73.2604% | 1,480 |
| Net loans and leases to deposits | 85.5355% | 1,744 |
| Net loans and leases to core deposits | 93.2294% | 1,657 |
| Total domestic deposits to total assets | 85.6492% | 3,428 |
| Equity capital to assets | 10.2634% | 3,432 |
| Core capital (leverage) ratio | 10.0125% | 3,553 |
| Tier 1 risk-based capital ratio | 14.6511% | 3,867 |
| Total risk-based capital ratio | 15.7450% | 3,894 |
| Memoranda: | ||
| Average total assets | $186,777,600 | 3,201 |
| Average earning assets | $175,946,200 | 3,132 |
| Average equity | $20,372,200 | 3,116 |
| Average total loans | $134,864,400 | 2,781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2149% | 623 |
| Cost of funding earning assets | 0.8012% | 1,316 |
| Net interest margin | 4.4137% | 867 |
| Noninterest income to average assets | 0.8378% | 1,984 |
| Noninterest expense to average assets | 3.0071% | 2,971 |
| Loan and lease loss provision to assets | 0.1218% | 2,771 |
| Net operating income to assets | 1.8361% | 489 |
| Return on assets (ROA) | 1.8361% | 505 |
| Pretax return on assets | 1.8583% | 781 |
| Return on Equity (ROE) | 16.5839% | 580 |
| Retained earnings to average equity (ytd only) | 4.9324% | 3,131 |
| Net charge-offs to loans | 0.1708% | 2,853 |
| Credit loss provision to net charge-offs | 99.4152% | 2,401 |
| Earnings coverage of net charge-offs (x) | 16.1582% | 1,823 |
| Efficiency ratio | 60.2960% | 5,391 |
| Assets per employee ($millions) | 3.2505% | 5,383 |
| Cash dividends to net income (ytd only)* | 70.2577% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 5,580 |
| Loan loss allowance to noncurrent loans | 134.1085% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 4,689 |
| Noncurrent loans to loans | 0.7719% | 4,305 |
| Net loans and leases to total assets | 71.4152% | 1,699 |
| Net loans and leases to deposits | 83.8483% | 1,898 |
| Net loans and leases to core deposits | 91.6532% | 1,800 |
| Total domestic deposits to total assets | 85.1719% | 3,651 |
| Equity capital to assets | 10.9954% | 2,760 |
| Core capital (leverage) ratio | 10.3333% | 3,194 |
| Tier 1 risk-based capital ratio | 15.7252% | 3,334 |
| Total risk-based capital ratio | 16.8452% | 3,374 |
| Memoranda: | ||
| Average total assets | $186,046,000 | 3,240 |
| Average earning assets | $174,905,250 | 3,178 |
| Average equity | $20,597,750 | 3,127 |
| Average total loans | $133,485,750 | 2,816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 603 |
| Cost of funding earning assets | 0.8556% | 1,114 |
| Net interest margin | 4.3731% | 897 |
| Noninterest income to average assets | 0.7998% | 2,185 |
| Noninterest expense to average assets | 2.9522% | 3,156 |
| Loan and lease loss provision to assets | 0.1127% | 2,929 |
| Net operating income to assets | 1.8218% | 492 |
| Return on assets (ROA) | 1.8218% | 529 |
| Pretax return on assets | 1.8443% | 832 |
| Return on Equity (ROE) | 16.4175% | 615 |
| Retained earnings to average equity (ytd only) | 4.8082% | 3,175 |
| Net charge-offs to loans | 0.1139% | 3,222 |
| Credit loss provision to net charge-offs | 138.1579% | 1,645 |
| Earnings coverage of net charge-offs (x) | 23.9868% | 1,313 |
| Efficiency ratio | 60.1356% | 5,470 |
| Assets per employee ($millions) | 3.4905% | 4,878 |
| Cash dividends to net income (ytd only)* | 70.7130% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 5,642 |
| Loan loss allowance to noncurrent loans | 636.9369% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 5,799 |
| Noncurrent loans to loans | 0.1645% | 5,913 |
| Net loans and leases to total assets | 72.2050% | 1,545 |
| Net loans and leases to deposits | 84.5141% | 1,731 |
| Net loans and leases to core deposits | 92.9238% | 1,620 |
| Total domestic deposits to total assets | 85.4354% | 3,674 |
| Equity capital to assets | 10.9094% | 2,836 |
| Core capital (leverage) ratio | 10.0910% | 3,386 |
| Tier 1 risk-based capital ratio | 15.4045% | 3,525 |
| Total risk-based capital ratio | 16.5409% | 3,562 |
| Memoranda: | ||
| Average total assets | $186,302,330 | 3,250 |
| Average earning assets | $175,071,670 | 3,188 |
| Average equity | $20,673,000 | 3,130 |
| Average total loans | $133,414,330 | 2,815 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 624 |
| Cost of funding earning assets | 0.9170% | 906 |
| Net interest margin | 4.2633% | 1,038 |
| Noninterest income to average assets | 0.7724% | 2,245 |
| Noninterest expense to average assets | 2.8649% | 3,486 |
| Loan and lease loss provision to assets | 0.1262% | 2,655 |
| Net operating income to assets | 1.7630% | 500 |
| Return on assets (ROA) | 1.7630% | 553 |
| Pretax return on assets | 1.7801% | 919 |
| Return on Equity (ROE) | 15.7564% | 644 |
| Retained earnings to average equity (ytd only) | 4.2833% | 3,658 |
| Net charge-offs to loans | 0.0211% | 3,745 |
| Credit loss provision to net charge-offs | 842.8571% | 356 |
| Earnings coverage of net charge-offs (x) | 127.2857% | 305 |
| Efficiency ratio | 60.0448% | 5,583 |
| Assets per employee ($millions) | 3.3732% | 5,271 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,698 |
| Loan loss allowance to noncurrent loans | 598.7500% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,935 |
| Noncurrent loans to loans | 0.1794% | 5,954 |
| Net loans and leases to total assets | 71.3499% | 1,464 |
| Net loans and leases to deposits | 83.6883% | 1,633 |
| Net loans and leases to core deposits | 91.1121% | 1,597 |
| Total domestic deposits to total assets | 85.2567% | 3,921 |
| Equity capital to assets | 11.2813% | 2,650 |
| Core capital (leverage) ratio | 9.9950% | 3,389 |
| Tier 1 risk-based capital ratio | 15.4356% | 3,570 |
| Total risk-based capital ratio | 16.6096% | 3,570 |
| Memoranda: | ||
| Average total assets | $186,955,000 | 3,271 |
| Average earning assets | $175,356,000 | 3,207 |
| Average equity | $20,918,500 | 3,144 |
| Average total loans | $132,626,000 | 2,852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 737 |
| Cost of funding earning assets | 1.0635% | 1,057 |
| Net interest margin | 4.3540% | 1,274 |
| Noninterest income to average assets | 0.7798% | 2,349 |
| Noninterest expense to average assets | 2.9628% | 3,414 |
| Loan and lease loss provision to assets | 0.1645% | 3,555 |
| Net operating income to assets | 1.7219% | 591 |
| Return on assets (ROA) | 1.7219% | 665 |
| Pretax return on assets | 1.7483% | 1,024 |
| Return on Equity (ROE) | 15.4454% | 739 |
| Retained earnings to average equity (ytd only) | 7.3007% | 1,427 |
| Net charge-offs to loans | 0.3346% | 2,964 |
| Credit loss provision to net charge-offs | 70.3529% | 4,149 |
| Earnings coverage of net charge-offs (x) | 8.1788% | 2,462 |
| Efficiency ratio | 60.7675% | 5,417 |
| Assets per employee ($millions) | 3.4251% | 5,160 |
| Cash dividends to net income (ytd only)* | 52.7325% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,749 |
| Loan loss allowance to noncurrent loans | 744.6237% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 6,119 |
| Noncurrent loans to loans | 0.1415% | 6,130 |
| Net loans and leases to total assets | 69.0384% | 2,024 |
| Net loans and leases to deposits | 80.6644% | 2,195 |
| Net loans and leases to core deposits | 87.8104% | 2,111 |
| Total domestic deposits to total assets | 85.5873% | 3,569 |
| Equity capital to assets | 11.0982% | 2,836 |
| Core capital (leverage) ratio | 10.1466% | 3,205 |
| Tier 1 risk-based capital ratio | 15.4296% | 3,473 |
| Total risk-based capital ratio | 16.5742% | 3,485 |
| Memoranda: | ||
| Average total assets | $181,718,600 | 3,290 |
| Average earning assets | $170,947,800 | 3,219 |
| Average equity | $20,258,400 | 3,173 |
| Average total loans | $127,025,200 | 2,934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 742 |
| Cost of funding earning assets | 1.1197% | 986 |
| Net interest margin | 4.3428% | 1,367 |
| Noninterest income to average assets | 0.8153% | 2,172 |
| Noninterest expense to average assets | 2.9850% | 3,289 |
| Loan and lease loss provision to assets | 0.1570% | 3,554 |
| Net operating income to assets | 1.7409% | 639 |
| Return on assets (ROA) | 1.7409% | 704 |
| Pretax return on assets | 1.7691% | 1,125 |
| Return on Equity (ROE) | 15.5979% | 800 |
| Retained earnings to average equity (ytd only) | 7.6364% | 1,781 |
| Net charge-offs to loans | 0.3822% | 2,565 |
| Credit loss provision to net charge-offs | 58.7258% | 4,183 |
| Earnings coverage of net charge-offs (x) | 7.2050% | 2,638 |
| Efficiency ratio | 60.7811% | 5,358 |
| Assets per employee ($millions) | 3.3049% | 5,435 |
| Cash dividends to net income (ytd only)* | 51.0421% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 5,820 |
| Loan loss allowance to noncurrent loans | 845.9627% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 6,188 |
| Noncurrent loans to loans | 0.1267% | 6,290 |
| Net loans and leases to total assets | 69.1799% | 2,072 |
| Net loans and leases to deposits | 82.5285% | 2,049 |
| Net loans and leases to core deposits | 90.2946% | 1,953 |
| Total domestic deposits to total assets | 83.8255% | 4,308 |
| Equity capital to assets | 11.4349% | 2,816 |
| Core capital (leverage) ratio | 9.9372% | 3,636 |
| Tier 1 risk-based capital ratio | 15.4940% | 3,534 |
| Total risk-based capital ratio | 16.6446% | 3,552 |
| Memoranda: | ||
| Average total assets | $180,052,750 | 3,350 |
| Average earning assets | $169,811,000 | 3,268 |
| Average equity | $20,096,250 | 3,223 |
| Average total loans | $125,921,250 | 2,996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4827% | 747 |
| Cost of funding earning assets | 1.1889% | 859 |
| Net interest margin | 4.2939% | 1,492 |
| Noninterest income to average assets | 0.8413% | 1,997 |
| Noninterest expense to average assets | 2.9329% | 3,497 |
| Loan and lease loss provision to assets | 0.0635% | 4,857 |
| Net operating income to assets | 1.8676% | 496 |
| Return on assets (ROA) | 1.8676% | 563 |
| Pretax return on assets | 1.8977% | 851 |
| Return on Equity (ROE) | 16.8725% | 657 |
| Retained earnings to average equity (ytd only) | 8.8188% | 1,339 |
| Net charge-offs to loans | 0.0956% | 4,203 |
| Credit loss provision to net charge-offs | 95.0000% | 2,904 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,086 |
| Efficiency ratio | 59.9271% | 5,587 |
| Assets per employee ($millions) | 3.4126% | 5,191 |
| Cash dividends to net income (ytd only)* | 47.7327% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,423 |
| Loan loss allowance to noncurrent loans | 148.8648% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 5,104 |
| Noncurrent loans to loans | 0.7958% | 4,920 |
| Net loans and leases to total assets | 68.2590% | 2,246 |
| Net loans and leases to deposits | 80.8873% | 2,248 |
| Net loans and leases to core deposits | 88.3696% | 2,168 |
| Total domestic deposits to total assets | 84.3878% | 4,148 |
| Equity capital to assets | 11.0506% | 3,061 |
| Core capital (leverage) ratio | 9.7939% | 3,727 |
| Tier 1 risk-based capital ratio | 15.2356% | 3,609 |
| Total risk-based capital ratio | 16.4862% | 3,577 |
| Memoranda: | ||
| Average total assets | $179,481,000 | 3,362 |
| Average earning assets | $169,404,670 | 3,279 |
| Average equity | $19,866,670 | 3,242 |
| Average total loans | $125,525,330 | 3,016 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 703 |
| Cost of funding earning assets | 1.2507% | 774 |
| Net interest margin | 4.2926% | 1,487 |
| Noninterest income to average assets | 0.8380% | 1,996 |
| Noninterest expense to average assets | 2.8981% | 3,631 |
| Loan and lease loss provision to assets | 0.1107% | 3,969 |
| Net operating income to assets | 1.8748% | 518 |
| Return on assets (ROA) | 1.8748% | 590 |
| Pretax return on assets | 1.8839% | 912 |
| Return on Equity (ROE) | 16.9232% | 685 |
| Retained earnings to average equity (ytd only) | 8.7675% | 1,676 |
| Net charge-offs to loans | 0.1508% | 3,189 |
| Credit loss provision to net charge-offs | 104.2553% | 2,217 |
| Earnings coverage of net charge-offs (x) | 18.7872% | 1,249 |
| Efficiency ratio | 59.2336% | 5,737 |
| Assets per employee ($millions) | 3.2570% | 5,646 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,429 |
| Loan loss allowance to noncurrent loans | 1,240.1639% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 6,548 |
| Noncurrent loans to loans | 0.0978% | 6,515 |
| Net loans and leases to total assets | 68.7863% | 1,972 |
| Net loans and leases to deposits | 81.9161% | 1,945 |
| Net loans and leases to core deposits | 90.5829% | 1,792 |
| Total domestic deposits to total assets | 83.9717% | 4,503 |
| Equity capital to assets | 11.0555% | 2,841 |
| Core capital (leverage) ratio | 9.7789% | 3,672 |
| Tier 1 risk-based capital ratio | 15.1453% | 3,653 |
| Total risk-based capital ratio | 16.3959% | 3,618 |
| Memoranda: | ||
| Average total assets | $177,082,000 | 3,420 |
| Average earning assets | $167,264,000 | 3,328 |
| Average equity | $19,618,000 | 3,271 |
| Average total loans | $124,640,500 | 3,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8926% | 534 |
| Cost of funding earning assets | 1.2913% | 1,523 |
| Net interest margin | 4.6012% | 924 |
| Noninterest income to average assets | 0.7487% | 2,343 |
| Noninterest expense to average assets | 3.1410% | 3,060 |
| Loan and lease loss provision to assets | 0.0501% | 5,961 |
| Net operating income to assets | 1.8965% | 381 |
| Return on assets (ROA) | 1.8965% | 413 |
| Pretax return on assets | 1.9070% | 653 |
| Return on Equity (ROE) | 17.4737% | 427 |
| Retained earnings to average equity (ytd only) | 2.9794% | 4,114 |
| Net charge-offs to loans | 0.1246% | 5,142 |
| Credit loss provision to net charge-offs | 55.1282% | 5,300 |
| Earnings coverage of net charge-offs (x) | 21.5321% | 1,088 |
| Efficiency ratio | 61.6114% | 5,519 |
| Assets per employee ($millions) | 3.1256% | 5,854 |
| Cash dividends to net income (ytd only)* | 82.9493% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,329 |
| Loan loss allowance to noncurrent loans | 1,208.8000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 6,699 |
| Noncurrent loans to loans | 0.1004% | 6,562 |
| Net loans and leases to total assets | 70.2950% | 1,971 |
| Net loans and leases to deposits | 82.7959% | 2,094 |
| Net loans and leases to core deposits | 90.6905% | 2,021 |
| Total domestic deposits to total assets | 84.9015% | 3,902 |
| Equity capital to assets | 11.1020% | 2,886 |
| Core capital (leverage) ratio | 9.9453% | 3,398 |
| Tier 1 risk-based capital ratio | 14.8007% | 3,755 |
| Total risk-based capital ratio | 16.0516% | 3,740 |
| Memoranda: | ||
| Average total assets | $171,632,600 | 3,461 |
| Average earning assets | $162,238,600 | 3,362 |
| Average equity | $18,628,000 | 3,338 |
| Average total loans | $125,162,200 | 3,078 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9322% | 529 |
| Cost of funding earning assets | 1.3195% | 1,597 |
| Net interest margin | 4.6127% | 922 |
| Noninterest income to average assets | 0.7651% | 2,231 |
| Noninterest expense to average assets | 3.1173% | 3,097 |
| Loan and lease loss provision to assets | 0.0273% | 6,095 |
| Net operating income to assets | 1.9744% | 362 |
| Return on assets (ROA) | 1.9744% | 392 |
| Pretax return on assets | 1.9845% | 646 |
| Return on Equity (ROE) | 18.2988% | 431 |
| Retained earnings to average equity (ytd only) | 3.1041% | 4,476 |
| Net charge-offs to loans | 0.1351% | 4,699 |
| Credit loss provision to net charge-offs | 27.5591% | 5,451 |
| Earnings coverage of net charge-offs (x) | 20.2912% | 1,225 |
| Efficiency ratio | 60.7763% | 5,595 |
| Assets per employee ($millions) | 3.0351% | 6,043 |
| Cash dividends to net income (ytd only)* | 83.0367% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 5,490 |
| Loan loss allowance to noncurrent loans | 1,418.0952% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 6,792 |
| Noncurrent loans to loans | 0.0842% | 6,724 |
| Net loans and leases to total assets | 72.4660% | 1,619 |
| Net loans and leases to deposits | 86.5170% | 1,621 |
| Net loans and leases to core deposits | 94.9616% | 1,704 |
| Total domestic deposits to total assets | 83.7593% | 4,343 |
| Equity capital to assets | 11.4304% | 2,751 |
| Core capital (leverage) ratio | 9.8650% | 3,626 |
| Tier 1 risk-based capital ratio | 14.6112% | 3,896 |
| Total risk-based capital ratio | 15.8612% | 3,874 |
| Memoranda: | ||
| Average total assets | $170,783,000 | 3,506 |
| Average earning assets | $161,577,500 | 3,393 |
| Average equity | $18,427,000 | 3,369 |
| Average total loans | $125,315,500 | 3,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8850% | 600 |
| Cost of funding earning assets | 1.3355% | 1,724 |
| Net interest margin | 4.5495% | 1,012 |
| Noninterest income to average assets | 0.7144% | 2,465 |
| Noninterest expense to average assets | 3.0446% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9608% | 364 |
| Return on assets (ROA) | 1.9608% | 384 |
| Pretax return on assets | 1.9713% | 623 |
| Return on Equity (ROE) | 18.5372% | 417 |
| Retained earnings to average equity (ytd only) | 3.0619% | 4,329 |
| Net charge-offs to loans | 0.0733% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 36.6522% | 797 |
| Efficiency ratio | 60.6993% | 5,775 |
| Assets per employee ($millions) | 3.0952% | 5,888 |
| Cash dividends to net income (ytd only)* | 83.4824% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,462 |
| Loan loss allowance to noncurrent loans | 1,346.4912% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 6,803 |
| Noncurrent loans to loans | 0.0906% | 6,753 |
| Net loans and leases to total assets | 72.9818% | 1,597 |
| Net loans and leases to deposits | 88.7811% | 1,396 |
| Net loans and leases to core deposits | 97.5947% | 1,534 |
| Total domestic deposits to total assets | 82.2042% | 5,096 |
| Equity capital to assets | 10.9694% | 2,993 |
| Core capital (leverage) ratio | 9.8485% | 3,456 |
| Tier 1 risk-based capital ratio | 14.5321% | 3,762 |
| Total risk-based capital ratio | 15.7831% | 3,737 |
| Memoranda: | ||
| Average total assets | $171,054,670 | 3,510 |
| Average earning assets | $161,732,330 | 3,411 |
| Average equity | $18,093,330 | 3,402 |
| Average total loans | $125,534,670 | 3,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8271% | 703 |
| Cost of funding earning assets | 1.3876% | 1,679 |
| Net interest margin | 4.4395% | 1,194 |
| Noninterest income to average assets | 0.5226% | 3,704 |
| Noninterest expense to average assets | 3.0490% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6587% | 612 |
| Return on assets (ROA) | 1.6587% | 645 |
| Pretax return on assets | 1.6680% | 1,043 |
| Return on Equity (ROE) | 15.9748% | 680 |
| Retained earnings to average equity (ytd only) | 0.2471% | 5,711 |
| Net charge-offs to loans | 0.0032% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 715.0000% | 25 |
| Efficiency ratio | 64.6390% | 5,254 |
| Assets per employee ($millions) | 3.1446% | 5,845 |
| Cash dividends to net income (ytd only)* | 98.4529% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 5,275 |
| Loan loss allowance to noncurrent loans | 6,583.3333% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,917 |
| Noncurrent loans to loans | 0.0193% | 7,013 |
| Net loans and leases to total assets | 72.1377% | 1,695 |
| Net loans and leases to deposits | 86.4866% | 1,653 |
| Net loans and leases to core deposits | 95.1633% | 1,750 |
| Total domestic deposits to total assets | 83.4091% | 4,740 |
| Equity capital to assets | 10.5683% | 3,108 |
| Core capital (leverage) ratio | 9.5837% | 3,679 |
| Tier 1 risk-based capital ratio | 14.5684% | 3,694 |
| Total risk-based capital ratio | 15.8199% | 3,656 |
| Memoranda: | ||
| Average total assets | $171,463,500 | 3,528 |
| Average earning assets | $162,001,000 | 3,421 |
| Average equity | $17,803,000 | 3,430 |
| Average total loans | $125,413,500 | 3,143 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 745 |
| Cost of funding earning assets | 1.5210% | 2,524 |
| Net interest margin | 4.5478% | 1,140 |
| Noninterest income to average assets | 0.7688% | 2,430 |
| Noninterest expense to average assets | 3.0201% | 3,769 |
| Loan and lease loss provision to assets | 0.1396% | 5,789 |
| Net operating income to assets | 1.8964% | 341 |
| Return on assets (ROA) | 1.9192% | 348 |
| Pretax return on assets | 1.9324% | 567 |
| Return on Equity (ROE) | 18.4739% | 348 |
| Retained earnings to average equity (ytd only) | 4.0930% | 2,994 |
| Net charge-offs to loans | 0.0796% | 6,025 |
| Credit loss provision to net charge-offs | 240.5941% | 1,197 |
| Earnings coverage of net charge-offs (x) | 35.3069% | 646 |
| Efficiency ratio | 59.5783% | 6,108 |
| Assets per employee ($millions) | 3.2059% | 5,655 |
| Cash dividends to net income (ytd only)* | 77.8443% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,283 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 6,488 |
| Noncurrent loans to loans | 0.0805% | 6,931 |
| Net loans and leases to total assets | 72.3031% | 2,031 |
| Net loans and leases to deposits | 86.4803% | 2,006 |
| Net loans and leases to core deposits | 96.8478% | 1,907 |
| Total domestic deposits to total assets | 83.6065% | 4,550 |
| Equity capital to assets | 10.2012% | 3,499 |
| Core capital (leverage) ratio | 9.6268% | 3,515 |
| Tier 1 risk-based capital ratio | 14.1396% | 3,775 |
| Total risk-based capital ratio | 15.3908% | 3,734 |
| Memoranda: | ||
| Average total assets | $174,031,200 | 3,464 |
| Average earning assets | $164,564,400 | 3,366 |
| Average equity | $18,079,600 | 3,413 |
| Average total loans | $126,877,400 | 3,183 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0776% | 796 |
| Cost of funding earning assets | 1.5453% | 2,700 |
| Net interest margin | 4.5323% | 1,183 |
| Noninterest income to average assets | 0.7575% | 2,468 |
| Noninterest expense to average assets | 2.9587% | 3,891 |
| Loan and lease loss provision to assets | 0.1393% | 5,637 |
| Net operating income to assets | 1.9345% | 376 |
| Return on assets (ROA) | 1.9648% | 387 |
| Pretax return on assets | 1.9786% | 648 |
| Return on Equity (ROE) | 18.8287% | 399 |
| Retained earnings to average equity (ytd only) | 5.2644% | 2,801 |
| Net charge-offs to loans | 0.0704% | 5,808 |
| Credit loss provision to net charge-offs | 271.6418% | 1,204 |
| Earnings coverage of net charge-offs (x) | 40.7169% | 675 |
| Efficiency ratio | 58.6353% | 6,172 |
| Assets per employee ($millions) | 3.0671% | 5,994 |
| Cash dividends to net income (ytd only)* | 72.0407% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,401 |
| Loan loss allowance to noncurrent loans | 305.3045% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 6,376 |
| Noncurrent loans to loans | 0.3987% | 6,401 |
| Net loans and leases to total assets | 74.7629% | 1,625 |
| Net loans and leases to deposits | 91.5005% | 1,513 |
| Net loans and leases to core deposits | 101.7680% | 1,677 |
| Total domestic deposits to total assets | 81.7076% | 5,113 |
| Equity capital to assets | 10.9462% | 3,010 |
| Core capital (leverage) ratio | 9.6240% | 3,726 |
| Tier 1 risk-based capital ratio | 14.1336% | 3,735 |
| Total risk-based capital ratio | 15.3849% | 3,707 |
| Memoranda: | ||
| Average total assets | $174,259,750 | 3,507 |
| Average earning assets | $164,886,500 | 3,405 |
| Average equity | $18,184,500 | 3,443 |
| Average total loans | $126,909,250 | 3,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0139% | 921 |
| Cost of funding earning assets | 1.5470% | 2,975 |
| Net interest margin | 4.4669% | 1,274 |
| Noninterest income to average assets | 0.6984% | 2,717 |
| Noninterest expense to average assets | 2.9072% | 4,046 |
| Loan and lease loss provision to assets | 0.1363% | 5,526 |
| Net operating income to assets | 1.8663% | 433 |
| Return on assets (ROA) | 1.9112% | 429 |
| Pretax return on assets | 1.9271% | 700 |
| Return on Equity (ROE) | 18.6059% | 417 |
| Retained earnings to average equity (ytd only) | 6.4452% | 2,103 |
| Net charge-offs to loans | 0.0537% | 5,629 |
| Credit loss provision to net charge-offs | 352.9412% | 1,035 |
| Earnings coverage of net charge-offs (x) | 52.2647% | 569 |
| Efficiency ratio | 59.0270% | 6,219 |
| Assets per employee ($millions) | 3.1534% | 5,781 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 6,911 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.2301% | 2,101 |
| Net loans and leases to deposits | 89.8380% | 1,887 |
| Net loans and leases to core deposits | 100.3897% | 1,974 |
| Total domestic deposits to total assets | 81.5135% | 5,193 |
| Equity capital to assets | 10.7698% | 3,106 |
| Core capital (leverage) ratio | 9.5840% | 3,695 |
| Tier 1 risk-based capital ratio | 14.3071% | 3,533 |
| Total risk-based capital ratio | 15.5578% | 3,512 |
| Memoranda: | ||
| Average total assets | $176,117,000 | 3,503 |
| Average earning assets | $166,647,670 | 3,398 |
| Average equity | $18,091,000 | 3,455 |
| Average total loans | $126,655,670 | 3,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9536% | 1,071 |
| Cost of funding earning assets | 1.5533% | 3,248 |
| Net interest margin | 4.4003% | 1,392 |
| Noninterest income to average assets | 0.6189% | 3,148 |
| Noninterest expense to average assets | 2.8307% | 4,367 |
| Loan and lease loss provision to assets | 0.1318% | 5,252 |
| Net operating income to assets | 1.8017% | 496 |
| Return on assets (ROA) | 1.8901% | 451 |
| Pretax return on assets | 1.9102% | 721 |
| Return on Equity (ROE) | 18.8345% | 449 |
| Retained earnings to average equity (ytd only) | 7.7030% | 1,840 |
| Net charge-offs to loans | 0.0757% | 4,661 |
| Credit loss provision to net charge-offs | 245.8333% | 1,569 |
| Earnings coverage of net charge-offs (x) | 36.4167% | 753 |
| Efficiency ratio | 59.1780% | 6,307 |
| Assets per employee ($millions) | 3.2943% | 5,556 |
| Cash dividends to net income (ytd only)* | 59.1017% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,659 |
| Loan loss allowance to noncurrent loans | 1,939.4737% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 6,709 |
| Noncurrent loans to loans | 0.0603% | 7,249 |
| Net loans and leases to total assets | 70.0075% | 2,937 |
| Net loans and leases to deposits | 83.7601% | 2,977 |
| Net loans and leases to core deposits | 97.6577% | 2,380 |
| Total domestic deposits to total assets | 83.5810% | 4,350 |
| Equity capital to assets | 10.2276% | 3,565 |
| Core capital (leverage) ratio | 9.1336% | 4,321 |
| Tier 1 risk-based capital ratio | 13.9006% | 3,724 |
| Total risk-based capital ratio | 15.1450% | 3,691 |
| Memoranda: | ||
| Average total assets | $179,035,000 | 3,513 |
| Average earning assets | $169,444,000 | 3,409 |
| Average equity | $17,967,000 | 3,487 |
| Average total loans | $126,872,500 | 3,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2932% | 1,040 |
| Cost of funding earning assets | 1.8167% | 3,904 |
| Net interest margin | 4.4765% | 1,222 |
| Noninterest income to average assets | 0.6653% | 3,192 |
| Noninterest expense to average assets | 3.0002% | 4,139 |
| Loan and lease loss provision to assets | 0.1579% | 6,096 |
| Net operating income to assets | 1.7327% | 414 |
| Return on assets (ROA) | 1.7327% | 440 |
| Pretax return on assets | 1.7396% | 714 |
| Return on Equity (ROE) | 18.3284% | 340 |
| Retained earnings to average equity (ytd only) | 10.6788% | 304 |
| Net charge-offs to loans | 0.0766% | 6,348 |
| Credit loss provision to net charge-offs | 287.3684% | 1,171 |
| Earnings coverage of net charge-offs (x) | 34.5263% | 681 |
| Efficiency ratio | 61.2568% | 6,283 |
| Assets per employee ($millions) | 3.3366% | 5,408 |
| Cash dividends to net income (ytd only)* | 41.7362% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,768 |
| Loan loss allowance to noncurrent loans | 726.7677% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 6,847 |
| Noncurrent loans to loans | 0.1550% | 7,040 |
| Net loans and leases to total assets | 70.0942% | 3,235 |
| Net loans and leases to deposits | 85.1458% | 3,058 |
| Net loans and leases to core deposits | 116.2873% | 2,288 |
| Total domestic deposits to total assets | 82.3226% | 4,805 |
| Equity capital to assets | 9.8458% | 3,950 |
| Core capital (leverage) ratio | 8.8699% | 4,640 |
| Tier 1 risk-based capital ratio | 12.9850% | 4,157 |
| Total risk-based capital ratio | 14.1442% | 4,165 |
| Memoranda: | ||
| Average total assets | $172,853,800 | 3,557 |
| Average earning assets | $163,430,400 | 3,454 |
| Average equity | $16,340,800 | 3,817 |
| Average total loans | $124,055,600 | 3,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 1,073 |
| Cost of funding earning assets | 1.9148% | 3,796 |
| Net interest margin | 4.4135% | 1,411 |
| Noninterest income to average assets | 0.6611% | 3,285 |
| Noninterest expense to average assets | 3.0334% | 3,913 |
| Loan and lease loss provision to assets | 0.1770% | 5,593 |
| Net operating income to assets | 1.6161% | 644 |
| Return on assets (ROA) | 1.6161% | 694 |
| Pretax return on assets | 1.6231% | 1,130 |
| Return on Equity (ROE) | 17.2843% | 518 |
| Retained earnings to average equity (ytd only) | 10.1972% | 600 |
| Net charge-offs to loans | 0.0541% | 6,169 |
| Credit loss provision to net charge-offs | 454.0000% | 871 |
| Earnings coverage of net charge-offs (x) | 46.1765% | 679 |
| Efficiency ratio | 62.7581% | 5,970 |
| Assets per employee ($millions) | 3.3225% | 5,334 |
| Cash dividends to net income (ytd only)* | 41.0036% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,435 |
| Loan loss allowance to noncurrent loans | 1,218.6441% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 6,953 |
| Noncurrent loans to loans | 0.0940% | 7,249 |
| Net loans and leases to total assets | 69.1754% | 3,678 |
| Net loans and leases to deposits | 84.2241% | 3,612 |
| Net loans and leases to core deposits | 119.3926% | 2,303 |
| Total domestic deposits to total assets | 82.1325% | 4,622 |
| Equity capital to assets | 9.6107% | 4,606 |
| Core capital (leverage) ratio | 9.1517% | 4,415 |
| Tier 1 risk-based capital ratio | 12.6041% | 4,468 |
| Total risk-based capital ratio | 13.7662% | 4,481 |
| Memoranda: | ||
| Average total assets | $171,022,500 | 3,613 |
| Average earning assets | $161,681,250 | 3,516 |
| Average equity | $15,991,000 | 3,916 |
| Average total loans | $123,136,000 | 3,444 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4345% | 930 |
| Cost of funding earning assets | 2.0287% | 3,631 |
| Net interest margin | 4.4058% | 1,399 |
| Noninterest income to average assets | 0.6479% | 3,356 |
| Noninterest expense to average assets | 3.0852% | 3,761 |
| Loan and lease loss provision to assets | 0.2152% | 4,895 |
| Net operating income to assets | 1.5051% | 831 |
| Return on assets (ROA) | 1.5051% | 887 |
| Pretax return on assets | 1.5123% | 1,410 |
| Return on Equity (ROE) | 16.2582% | 663 |
| Retained earnings to average equity (ytd only) | 10.4792% | 642 |
| Net charge-offs to loans | 0.0523% | 5,761 |
| Credit loss provision to net charge-offs | 565.6250% | 825 |
| Earnings coverage of net charge-offs (x) | 45.4063% | 739 |
| Efficiency ratio | 64.1057% | 5,897 |
| Assets per employee ($millions) | 3.0232% | 6,070 |
| Cash dividends to net income (ytd only)* | 35.5450% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,312 |
| Loan loss allowance to noncurrent loans | 1,762.5000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 7,162 |
| Noncurrent loans to loans | 0.0649% | 7,364 |
| Net loans and leases to total assets | 73.3028% | 2,882 |
| Net loans and leases to deposits | 89.2179% | 2,951 |
| Net loans and leases to core deposits | 115.1260% | 2,795 |
| Total domestic deposits to total assets | 82.1616% | 4,625 |
| Equity capital to assets | 9.5865% | 4,501 |
| Core capital (leverage) ratio | 8.9719% | 4,678 |
| Tier 1 risk-based capital ratio | 12.6749% | 4,375 |
| Total risk-based capital ratio | 13.8515% | 4,361 |
| Memoranda: | ||
| Average total assets | $168,225,000 | 3,674 |
| Average earning assets | $159,017,000 | 3,580 |
| Average equity | $15,573,670 | 4,004 |
| Average total loans | $122,331,670 | 3,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4437% | 967 |
| Cost of funding earning assets | 2.1078% | 3,615 |
| Net interest margin | 4.3359% | 1,499 |
| Noninterest income to average assets | 0.6359% | 3,301 |
| Noninterest expense to average assets | 3.0520% | 3,554 |
| Loan and lease loss provision to assets | 0.2128% | 4,315 |
| Net operating income to assets | 1.4539% | 1,034 |
| Return on assets (ROA) | 1.4539% | 1,108 |
| Pretax return on assets | 1.4610% | 1,777 |
| Return on Equity (ROE) | 15.9839% | 829 |
| Retained earnings to average equity (ytd only) | 10.1361% | 1,158 |
| Net charge-offs to loans | 0.1215% | 4,005 |
| Credit loss provision to net charge-offs | 243.2432% | 1,913 |
| Earnings coverage of net charge-offs (x) | 19.1351% | 1,431 |
| Efficiency ratio | 64.5823% | 5,580 |
| Assets per employee ($millions) | 2.9767% | 6,221 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 5,583 |
| Loan loss allowance to noncurrent loans | 1,602.4390% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,843 |
| Noncurrent loans to loans | 0.0677% | 7,333 |
| Net loans and leases to total assets | 71.8706% | 3,269 |
| Net loans and leases to deposits | 88.4476% | 3,208 |
| Net loans and leases to core deposits | 121.8338% | 2,267 |
| Total domestic deposits to total assets | 81.2579% | 4,859 |
| Equity capital to assets | 9.5012% | 4,662 |
| Core capital (leverage) ratio | 8.6627% | 5,226 |
| Tier 1 risk-based capital ratio | 12.5303% | 4,530 |
| Total risk-based capital ratio | 13.6455% | 4,543 |
| Memoranda: | ||
| Average total assets | $169,199,500 | 3,667 |
| Average earning assets | $159,598,500 | 3,578 |
| Average equity | $15,390,500 | 4,066 |
| Average total loans | $121,850,000 | 3,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8653% | 1,500 |
| Cost of funding earning assets | 2.6061% | 3,660 |
| Net interest margin | 4.2592% | 2,093 |
| Noninterest income to average assets | 0.7425% | 2,829 |
| Noninterest expense to average assets | 3.2034% | 3,325 |
| Loan and lease loss provision to assets | 0.1468% | 5,481 |
| Net operating income to assets | 1.3846% | 1,265 |
| Return on assets (ROA) | 1.3877% | 1,204 |
| Pretax return on assets | 1.3921% | 1,994 |
| Return on Equity (ROE) | 15.8164% | 798 |
| Retained earnings to average equity (ytd only) | 4.1711% | 2,533 |
| Net charge-offs to loans | 0.1171% | 5,092 |
| Credit loss provision to net charge-offs | 170.5036% | 3,001 |
| Earnings coverage of net charge-offs (x) | 17.8417% | 1,742 |
| Efficiency ratio | 67.5944% | 4,798 |
| Assets per employee ($millions) | 3.1219% | 5,710 |
| Cash dividends to net income (ytd only)* | 73.6278% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 5,789 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 5,654 |
| Noncurrent loans to loans | 0.0742% | 7,204 |
| Net loans and leases to total assets | 70.6566% | 3,870 |
| Net loans and leases to deposits | 88.4612% | 3,725 |
| Net loans and leases to core deposits | 116.5584% | 3,062 |
| Total domestic deposits to total assets | 79.8730% | 5,075 |
| Equity capital to assets | 8.7027% | 5,807 |
| Core capital (leverage) ratio | 8.3941% | 5,779 |
| Tier 1 risk-based capital ratio | 11.1343% | 5,611 |
| Total risk-based capital ratio | 12.1110% | 5,762 |
| Memoranda: | ||
| Average total assets | $161,486,600 | 3,697 |
| Average earning assets | $151,529,200 | 3,625 |
| Average equity | $14,168,800 | 4,302 |
| Average total loans | $118,707,000 | 3,497 |