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 | 5.6865% | 944 |
| Cost of funding earning assets | 1.9912% | 929 |
| Net interest margin | 3.6953% | 1,772 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.3131% | 2,818 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6257% | 828 |
| Return on assets (ROA) | 1.6122% | 819 |
| Pretax return on assets | 1.6758% | 1,109 |
| Return on Equity (ROE) | 14.0100% | 1,483 |
| Retained earnings to average equity (ytd only) | 10.6599% | 863 |
| Net charge-offs to loans | 0.0052% | 2,529 |
| Credit loss provision to net charge-offs | 2,157.8947% | 212 |
| Earnings coverage of net charge-offs (x) | 412.7368% | 342 |
| Efficiency ratio | 56.2226% | 3,477 |
| Assets per employee ($millions) | 7.0927% | 2,017 |
| Cash dividends to net income (ytd only)* | 23.8911% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,235 |
| Loan loss allowance to noncurrent loans | 6,277.4194% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,636 |
| Noncurrent loans to loans | 0.0193% | 3,601 |
| Net loans and leases to total assets | 84.1900% | 259 |
| Net loans and leases to deposits | 98.9286% | 599 |
| Net loans and leases to core deposits | 119.5746% | 637 |
| Total domestic deposits to total assets | 85.1000% | 2,282 |
| Equity capital to assets | 11.4248% | 1,321 |
| Core capital (leverage) ratio | 11.3008% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6628% | 2,000 |
| Memoranda: | ||
| Average total assets | $879,605,000 | 1,104 |
| Average earning assets | $829,431,800 | 1,086 |
| Average equity | $101,248,600 | 937 |
| Average total loans | $735,379,200 | 918 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5591% | 952 |
| Cost of funding earning assets | 1.8499% | 928 |
| Net interest margin | 3.7092% | 1,758 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.3104% | 2,760 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.6724% | 831 |
| Return on assets (ROA) | 1.6504% | 852 |
| Pretax return on assets | 1.7128% | 1,141 |
| Return on Equity (ROE) | 14.3100% | 1,579 |
| Retained earnings to average equity (ytd only) | 10.7168% | 1,210 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.6510% | 3,427 |
| Assets per employee ($millions) | 5.9064% | 2,831 |
| Cash dividends to net income (ytd only)* | 25.1052% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,102 |
| Loan loss allowance to noncurrent loans | 4,172.3684% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,558 |
| Noncurrent loans to loans | 0.0300% | 3,558 |
| Net loans and leases to total assets | 83.6700% | 305 |
| Net loans and leases to deposits | 100.3659% | 494 |
| Net loans and leases to core deposits | 119.8679% | 553 |
| Total domestic deposits to total assets | 83.3600% | 2,943 |
| Equity capital to assets | 11.2666% | 1,250 |
| Core capital (leverage) ratio | 11.3927% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9982% | 1,898 |
| Memoranda: | ||
| Average total assets | $863,672,500 | 1,121 |
| Average earning assets | $813,953,750 | 1,098 |
| Average equity | $99,617,250 | 947 |
| Average total loans | $718,243,000 | 932 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 969 |
| Cost of funding earning assets | 1.6362% | 986 |
| Net interest margin | 3.7502% | 1,715 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.2959% | 2,820 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7241% | 750 |
| Return on assets (ROA) | 1.6877% | 807 |
| Pretax return on assets | 1.7461% | 1,123 |
| Return on Equity (ROE) | 14.5100% | 1,573 |
| Retained earnings to average equity (ytd only) | 13.9082% | 692 |
| Net charge-offs to loans | 0.0003% | 2,448 |
| Credit loss provision to net charge-offs | 36,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 7,961.0000% | 9 |
| Efficiency ratio | 54.8887% | 3,544 |
| Assets per employee ($millions) | 6.6491% | 2,174 |
| Cash dividends to net income (ytd only)* | 4.1713% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,074 |
| Loan loss allowance to noncurrent loans | 3,994.8498% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,524 |
| Noncurrent loans to loans | 0.0318% | 3,512 |
| Net loans and leases to total assets | 82.4600% | 383 |
| Net loans and leases to deposits | 100.3465% | 499 |
| Net loans and leases to core deposits | 114.6018% | 666 |
| Total domestic deposits to total assets | 82.1700% | 3,202 |
| Equity capital to assets | 11.6840% | 1,142 |
| Core capital (leverage) ratio | 11.5695% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3227% | 1,781 |
| Memoranda: | ||
| Average total assets | $852,307,333 | 1,126 |
| Average earning assets | $802,364,000 | 1,098 |
| Average equity | $99,107,000 | 944 |
| Average total loans | $704,110,667 | 936 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 1,234 |
| Cost of funding earning assets | 0.5773% | 985 |
| Net interest margin | 3.6268% | 1,568 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.2561% | 2,874 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.7110% | 530 |
| Return on assets (ROA) | 1.6807% | 532 |
| Pretax return on assets | 1.7554% | 811 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 11.0137% | 884 |
| Net charge-offs to loans | -0.0008% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.4671% | 3,749 |
| Assets per employee ($millions) | 6.5829% | 2,269 |
| Cash dividends to net income (ytd only)* | 26.0078% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 1,952 |
| Loan loss allowance to noncurrent loans | 853.0201% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,661 |
| Noncurrent loans to loans | 0.1511% | 2,746 |
| Net loans and leases to total assets | 80.8400% | 513 |
| Net loans and leases to deposits | 94.0438% | 777 |
| Net loans and leases to core deposits | 106.5728% | 727 |
| Total domestic deposits to total assets | 85.9600% | 2,736 |
| Equity capital to assets | 11.2790% | 1,155 |
| Core capital (leverage) ratio | 11.2948% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1058% | 1,936 |
| Memoranda: | ||
| Average total assets | $810,298,200 | 1,173 |
| Average earning assets | $762,523,400 | 1,157 |
| Average equity | $91,495,400 | 1,019 |
| Average total loans | $639,904,400 | 984 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 1,275 |
| Cost of funding earning assets | 0.4353% | 1,068 |
| Net interest margin | 3.5595% | 1,490 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.1526% | 3,069 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.7365% | 487 |
| Return on assets (ROA) | 1.6944% | 525 |
| Pretax return on assets | 1.7694% | 782 |
| Return on Equity (ROE) | 15.0000% | 1,175 |
| Retained earnings to average equity (ytd only) | 9.7898% | 1,405 |
| Net charge-offs to loans | -0.0021% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9373% | 3,922 |
| Assets per employee ($millions) | 6.4497% | 2,362 |
| Cash dividends to net income (ytd only)* | 34.7425% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 1,872 |
| Loan loss allowance to noncurrent loans | 814.7251% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,669 |
| Noncurrent loans to loans | 0.1637% | 2,779 |
| Net loans and leases to total assets | 80.8600% | 456 |
| Net loans and leases to deposits | 92.8071% | 711 |
| Net loans and leases to core deposits | 104.3486% | 640 |
| Total domestic deposits to total assets | 87.1300% | 2,721 |
| Equity capital to assets | 11.1786% | 1,112 |
| Core capital (leverage) ratio | 11.2130% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2913% | 1,941 |
| Memoranda: | ||
| Average total assets | $802,218,500 | 1,189 |
| Average earning assets | $755,362,000 | 1,172 |
| Average equity | $90,609,500 | 1,037 |
| Average total loans | $627,366,500 | 998 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 1,375 |
| Cost of funding earning assets | 0.3691% | 1,113 |
| Net interest margin | 3.3988% | 1,611 |
| Noninterest income to average assets | 0.7218% | 1,257 |
| Noninterest expense to average assets | 2.1147% | 3,113 |
| Loan and lease loss provision to assets | 0.0797% | 1,223 |
| Net operating income to assets | 1.6512% | 484 |
| Return on assets (ROA) | 1.6453% | 482 |
| Pretax return on assets | 1.7180% | 720 |
| Return on Equity (ROE) | 14.5168% | 995 |
| Retained earnings to average equity (ytd only) | 10.0448% | 1,004 |
| Net charge-offs to loans | -0.0026% | 3,179 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6863% | 3,993 |
| Assets per employee ($millions) | 6.4757% | 2,332 |
| Cash dividends to net income (ytd only)* | 30.8053% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,921 |
| Loan loss allowance to noncurrent loans | 779.9091% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,758 |
| Noncurrent loans to loans | 0.1744% | 2,820 |
| Net loans and leases to total assets | 77.4662% | 600 |
| Net loans and leases to deposits | 87.7210% | 856 |
| Net loans and leases to core deposits | 97.2953% | 783 |
| Total domestic deposits to total assets | 88.3098% | 2,458 |
| Equity capital to assets | 11.2605% | 1,112 |
| Core capital (leverage) ratio | 10.7320% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4088% | 1,895 |
| Memoranda: | ||
| Average total assets | $803,037,667 | 1,190 |
| Average earning assets | $755,331,000 | 1,183 |
| Average equity | $91,012,000 | 1,036 |
| Average total loans | $618,010,000 | 1,002 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 1,469 |
| Cost of funding earning assets | 0.3592% | 1,137 |
| Net interest margin | 3.2540% | 1,704 |
| Noninterest income to average assets | 0.6132% | 1,635 |
| Noninterest expense to average assets | 2.0576% | 3,279 |
| Loan and lease loss provision to assets | 0.0797% | 1,030 |
| Net operating income to assets | 1.4617% | 690 |
| Return on assets (ROA) | 1.4569% | 695 |
| Pretax return on assets | 1.5212% | 978 |
| Return on Equity (ROE) | 12.8138% | 1,085 |
| Retained earnings to average equity (ytd only) | 9.0200% | 1,266 |
| Net charge-offs to loans | -0.0039% | 3,271 |
| Credit loss provision to net charge-offs | -2,666.6667% | 3,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8668% | 3,891 |
| Assets per employee ($millions) | 6.7602% | 2,180 |
| Cash dividends to net income (ytd only)* | 29.6068% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,010 |
| Loan loss allowance to noncurrent loans | 713.3051% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,768 |
| Noncurrent loans to loans | 0.1926% | 2,854 |
| Net loans and leases to total assets | 75.1186% | 572 |
| Net loans and leases to deposits | 85.6491% | 767 |
| Net loans and leases to core deposits | 93.2670% | 764 |
| Total domestic deposits to total assets | 87.7050% | 2,659 |
| Equity capital to assets | 11.2842% | 1,198 |
| Core capital (leverage) ratio | 10.6239% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3908% | 2,040 |
| Memoranda: | ||
| Average total assets | $803,063,500 | 1,192 |
| Average earning assets | $752,787,000 | 1,186 |
| Average equity | $91,308,000 | 1,076 |
| Average total loans | $611,704,000 | 1,006 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 1,146 |
| Cost of funding earning assets | 0.4814% | 1,002 |
| Net interest margin | 3.6261% | 1,395 |
| Noninterest income to average assets | 0.7738% | 1,522 |
| Noninterest expense to average assets | 2.1348% | 3,288 |
| Loan and lease loss provision to assets | 0.0870% | 1,414 |
| Net operating income to assets | 1.8671% | 442 |
| Return on assets (ROA) | 1.8732% | 461 |
| Pretax return on assets | 1.9561% | 659 |
| Return on Equity (ROE) | 15.5642% | 830 |
| Retained earnings to average equity (ytd only) | 4.4898% | 3,010 |
| Net charge-offs to loans | 0.0301% | 1,639 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 87.8068% | 944 |
| Efficiency ratio | 50.8941% | 4,212 |
| Assets per employee ($millions) | 6.7366% | 2,119 |
| Cash dividends to net income (ytd only)* | 71.1532% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 2,127 |
| Loan loss allowance to noncurrent loans | 635.7473% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,807 |
| Noncurrent loans to loans | 0.2125% | 2,894 |
| Net loans and leases to total assets | 75.1484% | 578 |
| Net loans and leases to deposits | 85.9606% | 777 |
| Net loans and leases to core deposits | 94.1034% | 775 |
| Total domestic deposits to total assets | 87.4220% | 2,325 |
| Equity capital to assets | 11.4560% | 1,531 |
| Core capital (leverage) ratio | 10.6649% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9082% | 2,275 |
| Memoranda: | ||
| Average total assets | $758,749,400 | 1,209 |
| Average earning assets | $710,990,200 | 1,202 |
| Average equity | $91,318,400 | 1,087 |
| Average total loans | $584,268,000 | 1,038 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 1,095 |
| Cost of funding earning assets | 0.5128% | 988 |
| Net interest margin | 3.6960% | 1,342 |
| Noninterest income to average assets | 0.7556% | 1,655 |
| Noninterest expense to average assets | 2.0559% | 3,499 |
| Loan and lease loss provision to assets | 0.0882% | 1,352 |
| Net operating income to assets | 1.9870% | 477 |
| Return on assets (ROA) | 1.9931% | 498 |
| Pretax return on assets | 2.0813% | 698 |
| Return on Equity (ROE) | 16.3496% | 879 |
| Retained earnings to average equity (ytd only) | 10.7833% | 1,109 |
| Net charge-offs to loans | 0.0009% | 2,422 |
| Credit loss provision to net charge-offs | 12,375.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 3,034.0000% | 43 |
| Efficiency ratio | 48.4495% | 4,333 |
| Assets per employee ($millions) | 6.2876% | 2,433 |
| Cash dividends to net income (ytd only)* | 34.0458% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 2,014 |
| Loan loss allowance to noncurrent loans | 250.8505% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 1,716 |
| Noncurrent loans to loans | 0.5583% | 1,922 |
| Net loans and leases to total assets | 77.6970% | 419 |
| Net loans and leases to deposits | 90.2953% | 590 |
| Net loans and leases to core deposits | 100.3338% | 575 |
| Total domestic deposits to total assets | 86.0477% | 2,727 |
| Equity capital to assets | 12.7619% | 1,068 |
| Core capital (leverage) ratio | 11.5706% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9215% | 1,995 |
| Memoranda: | ||
| Average total assets | $748,022,000 | 1,239 |
| Average earning assets | $700,954,500 | 1,230 |
| Average equity | $91,188,500 | 1,102 |
| Average total loans | $577,663,500 | 1,064 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 1,657 |
| Cost of funding earning assets | 0.5492% | 945 |
| Net interest margin | 3.4091% | 2,114 |
| Noninterest income to average assets | 0.7476% | 1,676 |
| Noninterest expense to average assets | 2.0365% | 3,589 |
| Loan and lease loss provision to assets | 0.0882% | 1,402 |
| Net operating income to assets | 1.7429% | 809 |
| Return on assets (ROA) | 1.7488% | 847 |
| Pretax return on assets | 1.8260% | 1,174 |
| Return on Equity (ROE) | 14.5730% | 1,264 |
| Retained earnings to average equity (ytd only) | 8.2914% | 1,981 |
| Net charge-offs to loans | 0.0077% | 1,855 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 324.3636% | 355 |
| Efficiency ratio | 51.3286% | 4,114 |
| Assets per employee ($millions) | 6.2807% | 2,352 |
| Cash dividends to net income (ytd only)* | 43.1040% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,939 |
| Loan loss allowance to noncurrent loans | 175.7945% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 1,357 |
| Noncurrent loans to loans | 0.8015% | 1,528 |
| Net loans and leases to total assets | 75.6117% | 625 |
| Net loans and leases to deposits | 87.6012% | 802 |
| Net loans and leases to core deposits | 97.6833% | 735 |
| Total domestic deposits to total assets | 86.3136% | 2,620 |
| Equity capital to assets | 12.2843% | 1,228 |
| Core capital (leverage) ratio | 10.8792% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0279% | 1,962 |
| Memoranda: | ||
| Average total assets | $747,953,333 | 1,230 |
| Average earning assets | $701,414,333 | 1,219 |
| Average equity | $89,755,333 | 1,109 |
| Average total loans | $573,681,667 | 1,078 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 1,621 |
| Cost of funding earning assets | 0.5763% | 982 |
| Net interest margin | 3.4197% | 2,059 |
| Noninterest income to average assets | 0.7511% | 1,705 |
| Noninterest expense to average assets | 2.0373% | 3,597 |
| Loan and lease loss provision to assets | 0.0882% | 1,498 |
| Net operating income to assets | 1.7519% | 858 |
| Return on assets (ROA) | 1.7642% | 891 |
| Pretax return on assets | 1.8422% | 1,213 |
| Return on Equity (ROE) | 14.8772% | 1,246 |
| Retained earnings to average equity (ytd only) | 6.2619% | 2,805 |
| Net charge-offs to loans | 0.0014% | 1,886 |
| Credit loss provision to net charge-offs | 8,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,793.5000% | 44 |
| Efficiency ratio | 51.2165% | 4,071 |
| Assets per employee ($millions) | 6.4214% | 2,237 |
| Cash dividends to net income (ytd only)* | 57.9091% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,084 |
| Loan loss allowance to noncurrent loans | 252.2901% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,170 |
| Noncurrent loans to loans | 0.5449% | 2,224 |
| Net loans and leases to total assets | 74.4750% | 774 |
| Net loans and leases to deposits | 86.1278% | 954 |
| Net loans and leases to core deposits | 96.8920% | 848 |
| Total domestic deposits to total assets | 86.4703% | 2,537 |
| Equity capital to assets | 11.6791% | 1,453 |
| Core capital (leverage) ratio | 10.7122% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4824% | 2,092 |
| Memoranda: | ||
| Average total assets | $748,228,000 | 1,217 |
| Average earning assets | $701,002,000 | 1,210 |
| Average equity | $88,726,500 | 1,108 |
| Average total loans | $573,922,000 | 1,075 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,013 |
| Cost of funding earning assets | 0.8272% | 1,101 |
| Net interest margin | 3.8144% | 1,459 |
| Noninterest income to average assets | 0.7806% | 1,586 |
| Noninterest expense to average assets | 2.3018% | 3,396 |
| Loan and lease loss provision to assets | 0.1261% | 2,783 |
| Net operating income to assets | 1.8613% | 345 |
| Return on assets (ROA) | 1.8623% | 367 |
| Pretax return on assets | 1.9446% | 509 |
| Return on Equity (ROE) | 14.8108% | 665 |
| Retained earnings to average equity (ytd only) | 9.6101% | 658 |
| Net charge-offs to loans | 0.0699% | 1,793 |
| Credit loss provision to net charge-offs | 214.8338% | 2,090 |
| Earnings coverage of net charge-offs (x) | 35.2660% | 1,482 |
| Efficiency ratio | 52.3502% | 4,363 |
| Assets per employee ($millions) | 6.3131% | 2,077 |
| Cash dividends to net income (ytd only)* | 35.1144% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,144 |
| Loan loss allowance to noncurrent loans | 141.3649% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 1,370 |
| Noncurrent loans to loans | 0.9627% | 1,471 |
| Net loans and leases to total assets | 76.8863% | 705 |
| Net loans and leases to deposits | 89.3458% | 977 |
| Net loans and leases to core deposits | 101.8376% | 821 |
| Total domestic deposits to total assets | 86.0548% | 2,340 |
| Equity capital to assets | 12.0451% | 1,546 |
| Core capital (leverage) ratio | 11.1810% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4687% | 2,062 |
| Memoranda: | ||
| Average total assets | $666,266,600 | 1,224 |
| Average earning assets | $627,207,600 | 1,217 |
| Average equity | $83,776,800 | 1,111 |
| Average total loans | $559,733,200 | 1,042 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 942 |
| Cost of funding earning assets | 0.8922% | 1,092 |
| Net interest margin | 3.8706% | 1,429 |
| Noninterest income to average assets | 0.8009% | 1,490 |
| Noninterest expense to average assets | 2.2771% | 3,476 |
| Loan and lease loss provision to assets | 0.1293% | 2,730 |
| Net operating income to assets | 1.9631% | 321 |
| Return on assets (ROA) | 1.9609% | 351 |
| Pretax return on assets | 2.0475% | 475 |
| Return on Equity (ROE) | 15.4121% | 625 |
| Retained earnings to average equity (ytd only) | 9.8962% | 789 |
| Net charge-offs to loans | -0.0048% | 4,038 |
| Credit loss provision to net charge-offs | -3,150.0000% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7966% | 4,439 |
| Assets per employee ($millions) | 5.7122% | 2,529 |
| Cash dividends to net income (ytd only)* | 35.7890% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,855 |
| Loan loss allowance to noncurrent loans | 110.8330% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 991 |
| Noncurrent loans to loans | 1.2404% | 1,225 |
| Net loans and leases to total assets | 85.5503% | 173 |
| Net loans and leases to deposits | 100.5989% | 512 |
| Net loans and leases to core deposits | 115.3423% | 517 |
| Total domestic deposits to total assets | 85.0410% | 2,416 |
| Equity capital to assets | 12.8967% | 1,228 |
| Core capital (leverage) ratio | 11.5721% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1941% | 2,112 |
| Memoranda: | ||
| Average total assets | $649,754,500 | 1,239 |
| Average earning assets | $613,608,250 | 1,221 |
| Average equity | $82,669,000 | 1,116 |
| Average total loans | $556,962,000 | 1,040 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 1,104 |
| Cost of funding earning assets | 0.9725% | 1,065 |
| Net interest margin | 3.8554% | 1,679 |
| Noninterest income to average assets | 0.7772% | 1,498 |
| Noninterest expense to average assets | 2.2826% | 3,566 |
| Loan and lease loss provision to assets | 0.1305% | 2,714 |
| Net operating income to assets | 1.9189% | 393 |
| Return on assets (ROA) | 1.9153% | 440 |
| Pretax return on assets | 1.9998% | 543 |
| Return on Equity (ROE) | 15.1250% | 690 |
| Retained earnings to average equity (ytd only) | 9.7823% | 832 |
| Net charge-offs to loans | -0.0011% | 3,761 |
| Credit loss provision to net charge-offs | -14,000.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3721% | 4,406 |
| Assets per employee ($millions) | 5.5696% | 2,574 |
| Cash dividends to net income (ytd only)* | 35.3237% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,813 |
| Loan loss allowance to noncurrent loans | 107.0214% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 1,050 |
| Noncurrent loans to loans | 1.2547% | 1,243 |
| Net loans and leases to total assets | 85.8345% | 144 |
| Net loans and leases to deposits | 100.7298% | 506 |
| Net loans and leases to core deposits | 114.0183% | 592 |
| Total domestic deposits to total assets | 85.2126% | 2,302 |
| Equity capital to assets | 12.6721% | 1,295 |
| Core capital (leverage) ratio | 11.2956% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1025% | 2,135 |
| Memoranda: | ||
| Average total assets | $643,561,667 | 1,225 |
| Average earning assets | $607,512,667 | 1,211 |
| Average equity | $81,494,333 | 1,124 |
| Average total loans | $549,372,333 | 1,038 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,083 |
| Cost of funding earning assets | 1.0941% | 1,064 |
| Net interest margin | 3.8468% | 1,831 |
| Noninterest income to average assets | 0.7218% | 1,561 |
| Noninterest expense to average assets | 2.3163% | 3,737 |
| Loan and lease loss provision to assets | 0.1325% | 2,070 |
| Net operating income to assets | 1.8178% | 394 |
| Return on assets (ROA) | 1.8033% | 456 |
| Pretax return on assets | 1.8828% | 586 |
| Return on Equity (ROE) | 14.2460% | 654 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,199 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9685% | 4,474 |
| Assets per employee ($millions) | 5.5184% | 2,101 |
| Cash dividends to net income (ytd only)* | 43.1071% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,694 |
| Loan loss allowance to noncurrent loans | 101.8393% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 1,069 |
| Noncurrent loans to loans | 1.3763% | 1,170 |
| Net loans and leases to total assets | 84.2030% | 252 |
| Net loans and leases to deposits | 99.0116% | 627 |
| Net loans and leases to core deposits | 112.5233% | 729 |
| Total domestic deposits to total assets | 85.0436% | 2,395 |
| Equity capital to assets | 12.8860% | 1,501 |
| Core capital (leverage) ratio | 11.7921% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0853% | 2,247 |
| Memoranda: | ||
| Average total assets | $633,949,000 | 1,207 |
| Average earning assets | $597,375,500 | 1,191 |
| Average equity | $80,247,000 | 1,133 |
| Average total loans | $535,737,000 | 1,034 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 875 |
| Cost of funding earning assets | 1.2672% | 846 |
| Net interest margin | 4.0030% | 1,852 |
| Noninterest income to average assets | 0.8003% | 1,454 |
| Noninterest expense to average assets | 2.3008% | 3,946 |
| Loan and lease loss provision to assets | 0.1618% | 1,289 |
| Net operating income to assets | 1.9952% | 359 |
| Return on assets (ROA) | 2.0006% | 365 |
| Pretax return on assets | 2.0891% | 490 |
| Return on Equity (ROE) | 15.7957% | 566 |
| Retained earnings to average equity (ytd only) | 9.5820% | 575 |
| Net charge-offs to loans | -0.0152% | 4,577 |
| Credit loss provision to net charge-offs | -1,246.7532% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2799% | 4,716 |
| Assets per employee ($millions) | 5.6531% | 1,924 |
| Cash dividends to net income (ytd only)* | 39.3378% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,627 |
| Loan loss allowance to noncurrent loans | 97.0179% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1811% | 1,005 |
| Noncurrent loans to loans | 1.4123% | 1,038 |
| Net loans and leases to total assets | 82.4835% | 491 |
| Net loans and leases to deposits | 96.5231% | 888 |
| Net loans and leases to core deposits | 108.2195% | 965 |
| Total domestic deposits to total assets | 85.4547% | 2,319 |
| Equity capital to assets | 12.4340% | 1,864 |
| Core capital (leverage) ratio | 11.5713% | 2,061 |
| Tier 1 risk-based capital ratio | 12.3775% | 4,141 |
| Total risk-based capital ratio | 13.6282% | 4,009 |
| Memoranda: | ||
| Average total assets | $593,281,800 | 1,230 |
| Average earning assets | $555,161,400 | 1,223 |
| Average equity | $75,140,800 | 1,148 |
| Average total loans | $505,478,600 | 1,072 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 727 |
| Cost of funding earning assets | 1.2808% | 835 |
| Net interest margin | 4.1043% | 1,601 |
| Noninterest income to average assets | 0.7829% | 1,475 |
| Noninterest expense to average assets | 2.2984% | 3,958 |
| Loan and lease loss provision to assets | 0.1650% | 1,129 |
| Net operating income to assets | 2.0653% | 349 |
| Return on assets (ROA) | 2.0686% | 360 |
| Pretax return on assets | 2.1600% | 488 |
| Return on Equity (ROE) | 16.2512% | 575 |
| Retained earnings to average equity (ytd only) | 9.6539% | 847 |
| Net charge-offs to loans | -0.0351% | 4,745 |
| Credit loss provision to net charge-offs | -549.6183% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4222% | 4,776 |
| Assets per employee ($millions) | 5.2937% | 2,233 |
| Cash dividends to net income (ytd only)* | 40.5959% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,565 |
| Loan loss allowance to noncurrent loans | 325.2051% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 3,025 |
| Noncurrent loans to loans | 0.4311% | 3,013 |
| Net loans and leases to total assets | 84.6293% | 283 |
| Net loans and leases to deposits | 99.9689% | 638 |
| Net loans and leases to core deposits | 116.2299% | 647 |
| Total domestic deposits to total assets | 84.6556% | 2,555 |
| Equity capital to assets | 13.1098% | 1,560 |
| Core capital (leverage) ratio | 11.7446% | 2,044 |
| Tier 1 risk-based capital ratio | 12.8262% | 3,940 |
| Total risk-based capital ratio | 14.0774% | 3,839 |
| Memoranda: | ||
| Average total assets | $581,901,250 | 1,253 |
| Average earning assets | $544,007,250 | 1,249 |
| Average equity | $74,068,750 | 1,165 |
| Average total loans | $498,291,250 | 1,084 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 745 |
| Cost of funding earning assets | 1.2463% | 878 |
| Net interest margin | 4.0956% | 1,622 |
| Noninterest income to average assets | 0.7167% | 1,645 |
| Noninterest expense to average assets | 2.2870% | 4,037 |
| Loan and lease loss provision to assets | 0.1660% | 1,094 |
| Net operating income to assets | 2.0075% | 381 |
| Return on assets (ROA) | 2.0085% | 403 |
| Pretax return on assets | 2.0974% | 553 |
| Return on Equity (ROE) | 15.9425% | 595 |
| Retained earnings to average equity (ytd only) | 8.9225% | 1,051 |
| Net charge-offs to loans | -0.0174% | 4,506 |
| Credit loss provision to net charge-offs | -1,116.2791% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9354% | 4,786 |
| Assets per employee ($millions) | 5.1547% | 2,297 |
| Cash dividends to net income (ytd only)* | 44.0331% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,734 |
| Loan loss allowance to noncurrent loans | 158.7590% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 1,871 |
| Noncurrent loans to loans | 0.8636% | 1,880 |
| Net loans and leases to total assets | 84.8059% | 303 |
| Net loans and leases to deposits | 102.4904% | 513 |
| Net loans and leases to core deposits | 118.7915% | 581 |
| Total domestic deposits to total assets | 82.7452% | 3,291 |
| Equity capital to assets | 13.0390% | 1,566 |
| Core capital (leverage) ratio | 11.5000% | 2,167 |
| Tier 1 risk-based capital ratio | 12.7389% | 3,987 |
| Total risk-based capital ratio | 13.9899% | 3,890 |
| Memoranda: | ||
| Average total assets | $578,237,000 | 1,261 |
| Average earning assets | $541,120,330 | 1,253 |
| Average equity | $72,849,330 | 1,174 |
| Average total loans | $494,756,000 | 1,090 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 900 |
| Cost of funding earning assets | 1.1771% | 967 |
| Net interest margin | 4.0305% | 1,757 |
| Noninterest income to average assets | 0.6532% | 1,812 |
| Noninterest expense to average assets | 2.2706% | 4,098 |
| Loan and lease loss provision to assets | 0.1659% | 1,015 |
| Net operating income to assets | 1.9008% | 461 |
| Return on assets (ROA) | 1.9008% | 477 |
| Pretax return on assets | 1.9845% | 660 |
| Return on Equity (ROE) | 15.3555% | 688 |
| Retained earnings to average equity (ytd only) | 6.6392% | 2,184 |
| Net charge-offs to loans | -0.0243% | 4,568 |
| Credit loss provision to net charge-offs | -800.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0163% | 4,759 |
| Assets per employee ($millions) | 5.3073% | 2,165 |
| Cash dividends to net income (ytd only)* | 56.7636% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,951 |
| Loan loss allowance to noncurrent loans | 185.6374% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 2,226 |
| Noncurrent loans to loans | 0.7172% | 2,228 |
| Net loans and leases to total assets | 84.7285% | 307 |
| Net loans and leases to deposits | 99.3647% | 677 |
| Net loans and leases to core deposits | 115.9697% | 651 |
| Total domestic deposits to total assets | 85.2702% | 2,568 |
| Equity capital to assets | 12.6706% | 1,641 |
| Core capital (leverage) ratio | 11.3331% | 2,263 |
| Tier 1 risk-based capital ratio | 12.4279% | 4,217 |
| Total risk-based capital ratio | 13.6784% | 4,078 |
| Memoranda: | ||
| Average total assets | $578,694,000 | 1,261 |
| Average earning assets | $540,970,500 | 1,254 |
| Average equity | $71,635,500 | 1,187 |
| Average total loans | $493,929,000 | 1,091 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 928 |
| Cost of funding earning assets | 0.9406% | 967 |
| Net interest margin | 4.1206% | 1,615 |
| Noninterest income to average assets | 0.7299% | 1,732 |
| Noninterest expense to average assets | 2.4475% | 3,749 |
| Loan and lease loss provision to assets | 0.1352% | 1,599 |
| Net operating income to assets | 1.9309% | 413 |
| Return on assets (ROA) | 1.9080% | 431 |
| Pretax return on assets | 1.9922% | 573 |
| Return on Equity (ROE) | 15.1333% | 798 |
| Retained earnings to average equity (ytd only) | 9.9385% | 629 |
| Net charge-offs to loans | 0.0017% | 3,691 |
| Credit loss provision to net charge-offs | 9,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,432.0000% | 80 |
| Efficiency ratio | 53.0502% | 4,714 |
| Assets per employee ($millions) | 4.9931% | 2,513 |
| Cash dividends to net income (ytd only)* | 34.3273% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,210 |
| Loan loss allowance to noncurrent loans | 216.9544% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 2,595 |
| Noncurrent loans to loans | 0.5843% | 2,540 |
| Net loans and leases to total assets | 83.7672% | 436 |
| Net loans and leases to deposits | 98.6868% | 836 |
| Net loans and leases to core deposits | 113.8641% | 785 |
| Total domestic deposits to total assets | 84.8819% | 2,690 |
| Equity capital to assets | 12.0925% | 1,827 |
| Core capital (leverage) ratio | 10.8258% | 2,703 |
| Tier 1 risk-based capital ratio | 12.0475% | 4,397 |
| Total risk-based capital ratio | 13.2685% | 4,308 |
| Memoranda: | ||
| Average total assets | $532,538,400 | 1,327 |
| Average earning assets | $500,002,400 | 1,313 |
| Average equity | $67,143,200 | 1,205 |
| Average total loans | $464,668,600 | 1,119 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 1,070 |
| Cost of funding earning assets | 0.8627% | 1,062 |
| Net interest margin | 4.0784% | 1,695 |
| Noninterest income to average assets | 0.7367% | 1,728 |
| Noninterest expense to average assets | 2.3732% | 3,919 |
| Loan and lease loss provision to assets | 0.1386% | 1,444 |
| Net operating income to assets | 1.9865% | 393 |
| Return on assets (ROA) | 1.9865% | 387 |
| Pretax return on assets | 2.0676% | 526 |
| Return on Equity (ROE) | 15.5768% | 772 |
| Retained earnings to average equity (ytd only) | 9.1626% | 1,162 |
| Net charge-offs to loans | -0.0082% | 4,341 |
| Credit loss provision to net charge-offs | -1,928.5714% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7958% | 4,829 |
| Assets per employee ($millions) | 5.6829% | 1,748 |
| Cash dividends to net income (ytd only)* | 41.1780% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,440 |
| Loan loss allowance to noncurrent loans | 210.7449% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 2,709 |
| Noncurrent loans to loans | 0.5848% | 2,625 |
| Net loans and leases to total assets | 84.0576% | 452 |
| Net loans and leases to deposits | 99.8215% | 801 |
| Net loans and leases to core deposits | 120.2277% | 566 |
| Total domestic deposits to total assets | 84.2079% | 2,871 |
| Equity capital to assets | 11.6456% | 2,149 |
| Core capital (leverage) ratio | 10.7502% | 2,838 |
| Tier 1 risk-based capital ratio | 11.6318% | 4,718 |
| Total risk-based capital ratio | 12.8251% | 4,636 |
| Memoranda: | ||
| Average total assets | $519,624,250 | 1,357 |
| Average earning assets | $489,586,250 | 1,342 |
| Average equity | $66,268,000 | 1,216 |
| Average total loans | $456,924,000 | 1,137 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 944 |
| Cost of funding earning assets | 0.7935% | 1,151 |
| Net interest margin | 4.1454% | 1,421 |
| Noninterest income to average assets | 0.7763% | 1,548 |
| Noninterest expense to average assets | 2.3029% | 4,134 |
| Loan and lease loss provision to assets | 0.1447% | 1,328 |
| Net operating income to assets | 2.1434% | 282 |
| Return on assets (ROA) | 2.1434% | 276 |
| Pretax return on assets | 2.2378% | 362 |
| Return on Equity (ROE) | 16.2534% | 622 |
| Retained earnings to average equity (ytd only) | 9.6076% | 1,036 |
| Net charge-offs to loans | -0.0054% | 4,120 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1081% | 5,071 |
| Assets per employee ($millions) | 5.3506% | 2,043 |
| Cash dividends to net income (ytd only)* | 40.8886% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,988 |
| Loan loss allowance to noncurrent loans | 251.8220% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,845 |
| Noncurrent loans to loans | 0.5326% | 2,822 |
| Net loans and leases to total assets | 88.8172% | 112 |
| Net loans and leases to deposits | 105.5813% | 460 |
| Net loans and leases to core deposits | 118.8932% | 595 |
| Total domestic deposits to total assets | 84.1220% | 3,017 |
| Equity capital to assets | 13.6358% | 1,056 |
| Core capital (leverage) ratio | 12.6546% | 1,363 |
| Tier 1 risk-based capital ratio | 13.5556% | 3,588 |
| Total risk-based capital ratio | 14.8062% | 3,494 |
| Memoranda: | ||
| Average total assets | $497,720,000 | 1,420 |
| Average earning assets | $469,334,330 | 1,395 |
| Average equity | $65,635,330 | 1,225 |
| Average total loans | $443,179,000 | 1,159 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 981 |
| Cost of funding earning assets | 0.7425% | 1,221 |
| Net interest margin | 4.1064% | 1,418 |
| Noninterest income to average assets | 0.7657% | 1,563 |
| Noninterest expense to average assets | 2.2172% | 4,378 |
| Loan and lease loss provision to assets | 0.1439% | 1,305 |
| Net operating income to assets | 2.1764% | 259 |
| Return on assets (ROA) | 2.1764% | 259 |
| Pretax return on assets | 2.2723% | 338 |
| Return on Equity (ROE) | 16.7849% | 532 |
| Retained earnings to average equity (ytd only) | 9.3263% | 1,352 |
| Net charge-offs to loans | -0.0090% | 4,209 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7661% | 5,203 |
| Assets per employee ($millions) | 5.4314% | 2,003 |
| Cash dividends to net income (ytd only)* | 44.4363% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,184 |
| Loan loss allowance to noncurrent loans | 143.4869% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 1,558 |
| Noncurrent loans to loans | 0.9150% | 1,990 |
| Net loans and leases to total assets | 86.6630% | 214 |
| Net loans and leases to deposits | 101.7338% | 601 |
| Net loans and leases to core deposits | 114.1919% | 796 |
| Total domestic deposits to total assets | 85.1861% | 2,863 |
| Equity capital to assets | 13.1082% | 1,189 |
| Core capital (leverage) ratio | 12.3588% | 1,454 |
| Tier 1 risk-based capital ratio | 13.3192% | 3,764 |
| Total risk-based capital ratio | 14.5694% | 3,677 |
| Memoranda: | ||
| Average total assets | $500,453,000 | 1,424 |
| Average earning assets | $471,364,500 | 1,405 |
| Average equity | $64,891,500 | 1,239 |
| Average total loans | $443,194,000 | 1,166 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 1,067 |
| Cost of funding earning assets | 0.6486% | 1,300 |
| Net interest margin | 4.1066% | 1,411 |
| Noninterest income to average assets | 0.7727% | 1,682 |
| Noninterest expense to average assets | 2.4400% | 3,964 |
| Loan and lease loss provision to assets | 0.1501% | 1,504 |
| Net operating income to assets | 1.9602% | 307 |
| Return on assets (ROA) | 1.9614% | 308 |
| Pretax return on assets | 2.0482% | 439 |
| Return on Equity (ROE) | 15.4913% | 547 |
| Retained earnings to average equity (ytd only) | 11.2343% | 226 |
| Net charge-offs to loans | 0.4128% | 602 |
| Credit loss provision to net charge-offs | 40.7701% | 3,436 |
| Earnings coverage of net charge-offs (x) | 5.9666% | 3,244 |
| Efficiency ratio | 52.4799% | 5,075 |
| Assets per employee ($millions) | 5.3895% | 2,063 |
| Cash dividends to net income (ytd only)* | 27.4795% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,506 |
| Loan loss allowance to noncurrent loans | 170.6801% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 2,002 |
| Noncurrent loans to loans | 0.7292% | 2,387 |
| Net loans and leases to total assets | 88.1874% | 128 |
| Net loans and leases to deposits | 105.7941% | 408 |
| Net loans and leases to core deposits | 119.0271% | 618 |
| Total domestic deposits to total assets | 83.3576% | 3,444 |
| Equity capital to assets | 12.8253% | 1,345 |
| Core capital (leverage) ratio | 12.2284% | 1,483 |
| Tier 1 risk-based capital ratio | 12.7275% | 4,076 |
| Total risk-based capital ratio | 13.9287% | 3,994 |
| Memoranda: | ||
| Average total assets | $479,597,800 | 1,453 |
| Average earning assets | $451,302,000 | 1,432 |
| Average equity | $60,724,600 | 1,300 |
| Average total loans | $427,794,600 | 1,171 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 1,037 |
| Cost of funding earning assets | 0.6329% | 1,346 |
| Net interest margin | 4.1148% | 1,355 |
| Noninterest income to average assets | 0.7800% | 1,666 |
| Noninterest expense to average assets | 2.3157% | 4,258 |
| Loan and lease loss provision to assets | 0.1518% | 1,368 |
| Net operating income to assets | 2.0970% | 266 |
| Return on assets (ROA) | 2.0978% | 272 |
| Pretax return on assets | 2.1906% | 371 |
| Return on Equity (ROE) | 16.6253% | 469 |
| Retained earnings to average equity (ytd only) | 10.8652% | 430 |
| Net charge-offs to loans | 0.4704% | 442 |
| Credit loss provision to net charge-offs | 36.1930% | 3,030 |
| Earnings coverage of net charge-offs (x) | 5.5818% | 3,087 |
| Efficiency ratio | 49.5834% | 5,269 |
| Assets per employee ($millions) | 5.1172% | 2,310 |
| Cash dividends to net income (ytd only)* | 34.6468% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,262 |
| Loan loss allowance to noncurrent loans | 52.4926% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2677% | 518 |
| Noncurrent loans to loans | 2.5156% | 607 |
| Net loans and leases to total assets | 88.9545% | 115 |
| Net loans and leases to deposits | 104.9290% | 453 |
| Net loans and leases to core deposits | 119.7734% | 596 |
| Total domestic deposits to total assets | 84.7759% | 2,806 |
| Equity capital to assets | 13.1361% | 1,321 |
| Core capital (leverage) ratio | 12.0715% | 1,638 |
| Tier 1 risk-based capital ratio | 12.7481% | 4,177 |
| Total risk-based capital ratio | 13.9982% | 4,069 |
| Memoranda: | ||
| Average total assets | $474,192,250 | 1,478 |
| Average earning assets | $446,831,000 | 1,455 |
| Average equity | $59,835,000 | 1,321 |
| Average total loans | $422,847,250 | 1,184 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,170 |
| Cost of funding earning assets | 0.5969% | 1,470 |
| Net interest margin | 4.0455% | 1,474 |
| Noninterest income to average assets | 0.7749% | 1,666 |
| Noninterest expense to average assets | 2.3006% | 4,349 |
| Loan and lease loss provision to assets | 0.1520% | 1,323 |
| Net operating income to assets | 2.0388% | 286 |
| Return on assets (ROA) | 2.0400% | 291 |
| Pretax return on assets | 2.1300% | 420 |
| Return on Equity (ROE) | 16.3925% | 477 |
| Retained earnings to average equity (ytd only) | 10.6037% | 494 |
| Net charge-offs to loans | 0.7101% | 274 |
| Credit loss provision to net charge-offs | 24.0964% | 2,763 |
| Earnings coverage of net charge-offs (x) | 3.6151% | 3,021 |
| Efficiency ratio | 50.0691% | 5,302 |
| Assets per employee ($millions) | 5.0833% | 2,297 |
| Cash dividends to net income (ytd only)* | 35.3136% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,529 |
| Loan loss allowance to noncurrent loans | 48.9030% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.4819% | 445 |
| Noncurrent loans to loans | 2.6116% | 549 |
| Net loans and leases to total assets | 88.6991% | 119 |
| Net loans and leases to deposits | 106.2204% | 389 |
| Net loans and leases to core deposits | 120.9933% | 518 |
| Total domestic deposits to total assets | 83.5048% | 3,401 |
| Equity capital to assets | 12.7242% | 1,511 |
| Core capital (leverage) ratio | 11.8455% | 1,736 |
| Tier 1 risk-based capital ratio | 12.3551% | 4,384 |
| Total risk-based capital ratio | 13.5796% | 4,297 |
| Memoranda: | ||
| Average total assets | $473,621,670 | 1,488 |
| Average earning assets | $445,625,670 | 1,465 |
| Average equity | $58,941,670 | 1,337 |
| Average total loans | $420,795,330 | 1,191 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,399 |
| Cost of funding earning assets | 0.5706% | 1,574 |
| Net interest margin | 3.9187% | 1,713 |
| Noninterest income to average assets | 0.8101% | 1,517 |
| Noninterest expense to average assets | 2.2684% | 4,488 |
| Loan and lease loss provision to assets | 0.1527% | 1,210 |
| Net operating income to assets | 1.9818% | 313 |
| Return on assets (ROA) | 1.9842% | 325 |
| Pretax return on assets | 2.0733% | 437 |
| Return on Equity (ROE) | 16.1276% | 512 |
| Retained earnings to average equity (ytd only) | 8.1844% | 1,384 |
| Net charge-offs to loans | -0.0029% | 4,055 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3494% | 5,358 |
| Assets per employee ($millions) | 5.1629% | 2,225 |
| Cash dividends to net income (ytd only)* | 49.2518% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 1,290 |
| Loan loss allowance to noncurrent loans | 70.2915% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.2068% | 568 |
| Noncurrent loans to loans | 2.3289% | 698 |
| Net loans and leases to total assets | 86.9668% | 162 |
| Net loans and leases to deposits | 101.8818% | 502 |
| Net loans and leases to core deposits | 114.6498% | 645 |
| Total domestic deposits to total assets | 85.3604% | 2,936 |
| Equity capital to assets | 12.4834% | 1,548 |
| Core capital (leverage) ratio | 11.5065% | 1,940 |
| Tier 1 risk-based capital ratio | 12.3426% | 4,483 |
| Total risk-based capital ratio | 13.5966% | 4,386 |
| Memoranda: | ||
| Average total assets | $471,518,000 | 1,498 |
| Average earning assets | $443,005,500 | 1,475 |
| Average equity | $58,012,500 | 1,352 |
| Average total loans | $416,536,500 | 1,205 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,087 |
| Cost of funding earning assets | 0.5433% | 1,765 |
| Net interest margin | 4.1433% | 1,263 |
| Noninterest income to average assets | 0.7967% | 1,752 |
| Noninterest expense to average assets | 2.2722% | 4,611 |
| Loan and lease loss provision to assets | 0.1547% | 1,613 |
| Net operating income to assets | 2.1621% | 238 |
| Return on assets (ROA) | 2.1621% | 248 |
| Pretax return on assets | 2.2576% | 295 |
| Return on Equity (ROE) | 17.7772% | 343 |
| Retained earnings to average equity (ytd only) | 4.7942% | 2,477 |
| Net charge-offs to loans | -0.0128% | 5,002 |
| Credit loss provision to net charge-offs | -1,358.4906% | 5,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3575% | 5,561 |
| Assets per employee ($millions) | 5.2001% | 2,171 |
| Cash dividends to net income (ytd only)* | 73.0318% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,410 |
| Loan loss allowance to noncurrent loans | 156.5783% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 2,124 |
| Noncurrent loans to loans | 1.0118% | 2,065 |
| Net loans and leases to total assets | 86.8670% | 189 |
| Net loans and leases to deposits | 101.3829% | 577 |
| Net loans and leases to core deposits | 114.1061% | 692 |
| Total domestic deposits to total assets | 85.6821% | 2,738 |
| Equity capital to assets | 12.1246% | 1,726 |
| Core capital (leverage) ratio | 11.3610% | 2,031 |
| Tier 1 risk-based capital ratio | 12.0700% | 4,681 |
| Total risk-based capital ratio | 13.3234% | 4,562 |
| Memoranda: | ||
| Average total assets | $465,278,200 | 1,462 |
| Average earning assets | $436,588,600 | 1,455 |
| Average equity | $56,589,200 | 1,363 |
| Average total loans | $413,527,800 | 1,171 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,049 |
| Cost of funding earning assets | 0.5347% | 1,836 |
| Net interest margin | 4.1702% | 1,201 |
| Noninterest income to average assets | 0.7848% | 1,826 |
| Noninterest expense to average assets | 2.2551% | 4,638 |
| Loan and lease loss provision to assets | 0.1554% | 1,499 |
| Net operating income to assets | 2.1958% | 248 |
| Return on assets (ROA) | 2.1958% | 259 |
| Pretax return on assets | 2.2928% | 322 |
| Return on Equity (ROE) | 18.0397% | 355 |
| Retained earnings to average equity (ytd only) | 7.6462% | 1,339 |
| Net charge-offs to loans | -0.0191% | 4,988 |
| Credit loss provision to net charge-offs | -915.2542% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7942% | 5,600 |
| Assets per employee ($millions) | 5.0870% | 2,270 |
| Cash dividends to net income (ytd only)* | 57.6147% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,583 |
| Loan loss allowance to noncurrent loans | 193.4254% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 2,764 |
| Noncurrent loans to loans | 0.8087% | 2,646 |
| Net loans and leases to total assets | 87.5815% | 165 |
| Net loans and leases to deposits | 106.7480% | 352 |
| Net loans and leases to core deposits | 121.9777% | 461 |
| Total domestic deposits to total assets | 82.0451% | 3,925 |
| Equity capital to assets | 12.6352% | 1,682 |
| Core capital (leverage) ratio | 11.5531% | 1,986 |
| Tier 1 risk-based capital ratio | 12.4024% | 4,534 |
| Total risk-based capital ratio | 13.6557% | 4,431 |
| Memoranda: | ||
| Average total assets | $463,294,500 | 1,476 |
| Average earning assets | $435,335,750 | 1,461 |
| Average equity | $56,392,750 | 1,374 |
| Average total loans | $412,489,000 | 1,180 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 1,076 |
| Cost of funding earning assets | 0.5173% | 1,957 |
| Net interest margin | 4.1693% | 1,182 |
| Noninterest income to average assets | 0.7613% | 1,885 |
| Noninterest expense to average assets | 2.2416% | 4,749 |
| Loan and lease loss provision to assets | 0.1554% | 1,469 |
| Net operating income to assets | 2.1877% | 229 |
| Return on assets (ROA) | 2.1877% | 244 |
| Pretax return on assets | 2.2843% | 315 |
| Return on Equity (ROE) | 18.2033% | 344 |
| Retained earnings to average equity (ytd only) | 5.3220% | 2,532 |
| Net charge-offs to loans | -0.0170% | 4,877 |
| Credit loss provision to net charge-offs | -1,028.5714% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7275% | 5,681 |
| Assets per employee ($millions) | 5.0831% | 2,218 |
| Cash dividends to net income (ytd only)* | 70.7635% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,814 |
| Loan loss allowance to noncurrent loans | 202.6641% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 3,009 |
| Noncurrent loans to loans | 0.7461% | 2,874 |
| Net loans and leases to total assets | 87.8408% | 144 |
| Net loans and leases to deposits | 106.2205% | 358 |
| Net loans and leases to core deposits | 122.3851% | 452 |
| Total domestic deposits to total assets | 82.6967% | 3,766 |
| Equity capital to assets | 12.2854% | 1,915 |
| Core capital (leverage) ratio | 11.1744% | 2,261 |
| Tier 1 risk-based capital ratio | 11.9632% | 4,848 |
| Total risk-based capital ratio | 13.2159% | 4,762 |
| Memoranda: | ||
| Average total assets | $463,419,000 | 1,481 |
| Average earning assets | $435,703,670 | 1,465 |
| Average equity | $55,693,330 | 1,387 |
| Average total loans | $412,693,330 | 1,178 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 1,070 |
| Cost of funding earning assets | 0.5003% | 2,103 |
| Net interest margin | 4.1880% | 1,123 |
| Noninterest income to average assets | 0.6951% | 2,064 |
| Noninterest expense to average assets | 2.2318% | 4,828 |
| Loan and lease loss provision to assets | 0.1552% | 1,350 |
| Net operating income to assets | 2.1473% | 252 |
| Return on assets (ROA) | 2.1473% | 265 |
| Pretax return on assets | 2.2421% | 351 |
| Return on Equity (ROE) | 18.0677% | 346 |
| Retained earnings to average equity (ytd only) | -1.4730% | 5,334 |
| Net charge-offs to loans | -0.0291% | 5,052 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0440% | 5,722 |
| Assets per employee ($millions) | 5.1253% | 2,209 |
| Cash dividends to net income (ytd only)* | 108.1526% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 2,125 |
| Loan loss allowance to noncurrent loans | 155.5099% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 2,575 |
| Noncurrent loans to loans | 0.9438% | 2,492 |
| Net loans and leases to total assets | 88.1050% | 112 |
| Net loans and leases to deposits | 104.5832% | 385 |
| Net loans and leases to core deposits | 116.9197% | 567 |
| Total domestic deposits to total assets | 84.2439% | 3,428 |
| Equity capital to assets | 11.9271% | 2,074 |
| Core capital (leverage) ratio | 10.8894% | 2,523 |
| Tier 1 risk-based capital ratio | 11.5567% | 5,195 |
| Total risk-based capital ratio | 12.8088% | 5,100 |
| Memoranda: | ||
| Average total assets | $463,846,000 | 1,480 |
| Average earning assets | $435,720,500 | 1,465 |
| Average equity | $55,126,000 | 1,399 |
| Average total loans | $412,760,500 | 1,174 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,351 |
| Cost of funding earning assets | 0.4894% | 2,260 |
| Net interest margin | 4.1045% | 1,402 |
| Noninterest income to average assets | 0.7048% | 2,177 |
| Noninterest expense to average assets | 2.2000% | 5,045 |
| Loan and lease loss provision to assets | 0.1570% | 1,487 |
| Net operating income to assets | 2.0969% | 298 |
| Return on assets (ROA) | 2.0971% | 302 |
| Pretax return on assets | 2.1858% | 353 |
| Return on Equity (ROE) | 18.0766% | 373 |
| Retained earnings to average equity (ytd only) | 8.3430% | 813 |
| Net charge-offs to loans | 0.0677% | 2,888 |
| Credit loss provision to net charge-offs | 262.7737% | 1,099 |
| Earnings coverage of net charge-offs (x) | 39.2190% | 1,201 |
| Efficiency ratio | 48.2436% | 5,832 |
| Assets per employee ($millions) | 5.2406% | 2,072 |
| Cash dividends to net income (ytd only)* | 53.8462% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 2,355 |
| Loan loss allowance to noncurrent loans | 365.0219% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 4,212 |
| Noncurrent loans to loans | 0.3876% | 4,062 |
| Net loans and leases to total assets | 87.3075% | 152 |
| Net loans and leases to deposits | 103.9336% | 442 |
| Net loans and leases to core deposits | 116.4323% | 591 |
| Total domestic deposits to total assets | 84.0031% | 3,478 |
| Equity capital to assets | 11.8424% | 2,080 |
| Core capital (leverage) ratio | 11.0410% | 2,362 |
| Tier 1 risk-based capital ratio | 11.5747% | 5,203 |
| Total risk-based capital ratio | 12.8262% | 5,116 |
| Memoranda: | ||
| Average total assets | $458,724,800 | 1,465 |
| Average earning assets | $428,921,800 | 1,456 |
| Average equity | $53,218,000 | 1,403 |
| Average total loans | $404,532,600 | 1,143 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,318 |
| Cost of funding earning assets | 0.4879% | 2,332 |
| Net interest margin | 4.1170% | 1,367 |
| Noninterest income to average assets | 0.6944% | 2,255 |
| Noninterest expense to average assets | 2.1780% | 5,108 |
| Loan and lease loss provision to assets | 0.1576% | 1,366 |
| Net operating income to assets | 2.1208% | 297 |
| Return on assets (ROA) | 2.1211% | 314 |
| Pretax return on assets | 2.2107% | 402 |
| Return on Equity (ROE) | 18.3806% | 379 |
| Retained earnings to average equity (ytd only) | 10.1755% | 604 |
| Net charge-offs to loans | 0.0222% | 3,491 |
| Credit loss provision to net charge-offs | 805.9701% | 439 |
| Earnings coverage of net charge-offs (x) | 121.0910% | 530 |
| Efficiency ratio | 47.7239% | 5,882 |
| Assets per employee ($millions) | 4.9349% | 2,377 |
| Cash dividends to net income (ytd only)* | 44.6402% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,288 |
| Loan loss allowance to noncurrent loans | 1,075.0916% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,266 |
| Noncurrent loans to loans | 0.1366% | 5,085 |
| Net loans and leases to total assets | 87.6928% | 154 |
| Net loans and leases to deposits | 105.7534% | 375 |
| Net loans and leases to core deposits | 120.1896% | 464 |
| Total domestic deposits to total assets | 82.9220% | 3,839 |
| Equity capital to assets | 12.1700% | 1,986 |
| Core capital (leverage) ratio | 10.9494% | 2,544 |
| Tier 1 risk-based capital ratio | 11.8324% | 5,178 |
| Total risk-based capital ratio | 13.0844% | 5,102 |
| Memoranda: | ||
| Average total assets | $456,802,000 | 1,480 |
| Average earning assets | $427,359,000 | 1,462 |
| Average equity | $52,713,750 | 1,422 |
| Average total loans | $402,400,750 | 1,148 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 1,421 |
| Cost of funding earning assets | 0.4799% | 2,432 |
| Net interest margin | 4.0618% | 1,468 |
| Noninterest income to average assets | 0.6988% | 2,220 |
| Noninterest expense to average assets | 2.1664% | 5,190 |
| Loan and lease loss provision to assets | 0.1567% | 1,361 |
| Net operating income to assets | 2.0833% | 314 |
| Return on assets (ROA) | 2.0837% | 328 |
| Pretax return on assets | 2.1716% | 437 |
| Return on Equity (ROE) | 18.3839% | 387 |
| Retained earnings to average equity (ytd only) | 10.3481% | 612 |
| Net charge-offs to loans | 0.0174% | 3,359 |
| Credit loss provision to net charge-offs | 1,028.5714% | 345 |
| Earnings coverage of net charge-offs (x) | 152.7714% | 425 |
| Efficiency ratio | 48.0093% | 5,960 |
| Assets per employee ($millions) | 5.2559% | 1,981 |
| Cash dividends to net income (ytd only)* | 43.7108% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,770 |
| Loan loss allowance to noncurrent loans | 768.0537% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 5,232 |
| Noncurrent loans to loans | 0.1820% | 5,049 |
| Net loans and leases to total assets | 87.2735% | 178 |
| Net loans and leases to deposits | 107.9207% | 308 |
| Net loans and leases to core deposits | 120.5481% | 456 |
| Total domestic deposits to total assets | 80.8682% | 4,645 |
| Equity capital to assets | 11.4987% | 2,417 |
| Core capital (leverage) ratio | 10.6293% | 2,819 |
| Tier 1 risk-based capital ratio | 11.2323% | 5,607 |
| Total risk-based capital ratio | 12.4835% | 5,533 |
| Memoranda: | ||
| Average total assets | $459,376,000 | 1,476 |
| Average earning assets | $429,267,000 | 1,464 |
| Average equity | $52,067,330 | 1,447 |
| Average total loans | $403,307,330 | 1,141 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,547 |
| Cost of funding earning assets | 0.4766% | 2,489 |
| Net interest margin | 3.9949% | 1,576 |
| Noninterest income to average assets | 0.6990% | 2,165 |
| Noninterest expense to average assets | 2.1503% | 5,276 |
| Loan and lease loss provision to assets | 0.1573% | 1,292 |
| Net operating income to assets | 2.0402% | 320 |
| Return on assets (ROA) | 2.0402% | 336 |
| Pretax return on assets | 2.1267% | 455 |
| Return on Equity (ROE) | 18.1328% | 376 |
| Retained earnings to average equity (ytd only) | 8.6121% | 1,337 |
| Net charge-offs to loans | 0.0440% | 2,367 |
| Credit loss provision to net charge-offs | 409.0909% | 647 |
| Earnings coverage of net charge-offs (x) | 59.4091% | 745 |
| Efficiency ratio | 48.2956% | 6,008 |
| Assets per employee ($millions) | 5.2974% | 1,996 |
| Cash dividends to net income (ytd only)* | 52.5054% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 2,884 |
| Loan loss allowance to noncurrent loans | 700.5063% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 5,130 |
| Noncurrent loans to loans | 0.2008% | 5,058 |
| Net loans and leases to total assets | 86.1534% | 178 |
| Net loans and leases to deposits | 99.8854% | 571 |
| Net loans and leases to core deposits | 110.8895% | 708 |
| Total domestic deposits to total assets | 86.2522% | 2,792 |
| Equity capital to assets | 11.5685% | 2,403 |
| Core capital (leverage) ratio | 10.5754% | 2,874 |
| Tier 1 risk-based capital ratio | 11.3197% | 5,650 |
| Total risk-based capital ratio | 12.5710% | 5,559 |
| Memoranda: | ||
| Average total assets | $457,802,500 | 1,485 |
| Average earning assets | $428,045,500 | 1,471 |
| Average equity | $51,509,000 | 1,468 |
| Average total loans | $400,270,000 | 1,148 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 1,531 |
| Cost of funding earning assets | 0.5055% | 2,615 |
| Net interest margin | 4.1043% | 1,568 |
| Noninterest income to average assets | 0.7395% | 2,125 |
| Noninterest expense to average assets | 2.2982% | 5,116 |
| Loan and lease loss provision to assets | 0.1271% | 2,065 |
| Net operating income to assets | 2.0522% | 299 |
| Return on assets (ROA) | 2.0522% | 304 |
| Pretax return on assets | 2.1228% | 390 |
| Return on Equity (ROE) | 18.6988% | 341 |
| Retained earnings to average equity (ytd only) | 12.5694% | 254 |
| Net charge-offs to loans | 0.0269% | 4,288 |
| Credit loss provision to net charge-offs | 549.4949% | 482 |
| Earnings coverage of net charge-offs (x) | 97.2929% | 539 |
| Efficiency ratio | 50.3313% | 6,074 |
| Assets per employee ($millions) | 5.4108% | 1,850 |
| Cash dividends to net income (ytd only)* | 32.7794% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 3,288 |
| Loan loss allowance to noncurrent loans | 558.6957% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 5,139 |
| Noncurrent loans to loans | 0.2373% | 4,978 |
| Net loans and leases to total assets | 86.3220% | 188 |
| Net loans and leases to deposits | 109.0674% | 265 |
| Net loans and leases to core deposits | 117.6111% | 486 |
| Total domestic deposits to total assets | 79.1456% | 5,219 |
| Equity capital to assets | 10.9445% | 2,954 |
| Core capital (leverage) ratio | 10.5204% | 2,922 |
| Tier 1 risk-based capital ratio | 10.8283% | 5,974 |
| Total risk-based capital ratio | 12.0790% | 5,904 |
| Memoranda: | ||
| Average total assets | $428,123,600 | 1,554 |
| Average earning assets | $397,262,800 | 1,537 |
| Average equity | $46,987,000 | 1,534 |
| Average total loans | $368,330,600 | 1,198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,420 |
| Cost of funding earning assets | 0.5212% | 2,557 |
| Net interest margin | 4.1336% | 1,478 |
| Noninterest income to average assets | 0.7048% | 2,308 |
| Noninterest expense to average assets | 2.2829% | 5,150 |
| Loan and lease loss provision to assets | 0.1299% | 1,931 |
| Net operating income to assets | 2.0568% | 311 |
| Return on assets (ROA) | 2.0568% | 324 |
| Pretax return on assets | 2.1272% | 428 |
| Return on Equity (ROE) | 18.7264% | 377 |
| Retained earnings to average equity (ytd only) | 10.8950% | 532 |
| Net charge-offs to loans | -0.0271% | 5,707 |
| Credit loss provision to net charge-offs | -558.9041% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0806% | 6,097 |
| Assets per employee ($millions) | 4.7748% | 2,554 |
| Cash dividends to net income (ytd only)* | 41.8202% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 2,805 |
| Loan loss allowance to noncurrent loans | 371.9370% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 4,875 |
| Noncurrent loans to loans | 0.3990% | 4,712 |
| Net loans and leases to total assets | 85.8529% | 203 |
| Net loans and leases to deposits | 103.3894% | 432 |
| Net loans and leases to core deposits | 111.3022% | 694 |
| Total domestic deposits to total assets | 83.0384% | 4,129 |
| Equity capital to assets | 11.5896% | 2,399 |
| Core capital (leverage) ratio | 10.2428% | 3,353 |
| Tier 1 risk-based capital ratio | 11.4955% | 5,793 |
| Total risk-based capital ratio | 12.7480% | 5,721 |
| Memoranda: | ||
| Average total assets | $418,822,000 | 1,596 |
| Average earning assets | $388,578,250 | 1,577 |
| Average equity | $46,001,750 | 1,569 |
| Average total loans | $358,643,500 | 1,241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 1,561 |
| Cost of funding earning assets | 0.5255% | 2,583 |
| Net interest margin | 4.0632% | 1,628 |
| Noninterest income to average assets | 0.6874% | 2,342 |
| Noninterest expense to average assets | 2.2841% | 5,192 |
| Loan and lease loss provision to assets | 0.1300% | 1,900 |
| Net operating income to assets | 1.9696% | 360 |
| Return on assets (ROA) | 1.9696% | 374 |
| Pretax return on assets | 2.0360% | 516 |
| Return on Equity (ROE) | 18.2692% | 435 |
| Retained earnings to average equity (ytd only) | 8.6069% | 1,110 |
| Net charge-offs to loans | -0.0371% | 5,760 |
| Credit loss provision to net charge-offs | -412.1212% | 5,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1118% | 6,117 |
| Assets per employee ($millions) | 4.9693% | 2,251 |
| Cash dividends to net income (ytd only)* | 52.8883% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,218 |
| Loan loss allowance to noncurrent loans | 481.9672% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 5,320 |
| Noncurrent loans to loans | 0.2957% | 5,132 |
| Net loans and leases to total assets | 85.6499% | 198 |
| Net loans and leases to deposits | 100.8558% | 513 |
| Net loans and leases to core deposits | 111.5792% | 625 |
| Total domestic deposits to total assets | 84.9231% | 3,551 |
| Equity capital to assets | 10.9253% | 2,953 |
| Core capital (leverage) ratio | 10.0190% | 3,583 |
| Tier 1 risk-based capital ratio | 10.8496% | 6,111 |
| Total risk-based capital ratio | 12.1015% | 6,057 |
| Memoranda: | ||
| Average total assets | $418,369,670 | 1,599 |
| Average earning assets | $387,425,000 | 1,581 |
| Average equity | $45,103,330 | 1,583 |
| Average total loans | $356,134,670 | 1,236 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,637 |
| Cost of funding earning assets | 0.5364% | 2,542 |
| Net interest margin | 4.0150% | 1,711 |
| Noninterest income to average assets | 0.6166% | 2,638 |
| Noninterest expense to average assets | 2.3369% | 5,105 |
| Loan and lease loss provision to assets | 0.1314% | 1,848 |
| Net operating income to assets | 1.8005% | 486 |
| Return on assets (ROA) | 1.8005% | 505 |
| Pretax return on assets | 1.8595% | 711 |
| Return on Equity (ROE) | 16.8179% | 549 |
| Retained earnings to average equity (ytd only) | 3.9359% | 3,754 |
| Net charge-offs to loans | -0.0069% | 4,912 |
| Credit loss provision to net charge-offs | -2,266.6667% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7740% | 6,032 |
| Assets per employee ($millions) | 4.8108% | 2,498 |
| Cash dividends to net income (ytd only)* | 76.5969% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 3,421 |
| Loan loss allowance to noncurrent loans | 546.6738% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,524 |
| Noncurrent loans to loans | 0.2633% | 5,312 |
| Net loans and leases to total assets | 84.3216% | 219 |
| Net loans and leases to deposits | 96.2912% | 638 |
| Net loans and leases to core deposits | 103.2750% | 901 |
| Total domestic deposits to total assets | 87.5694% | 2,476 |
| Equity capital to assets | 10.8199% | 2,912 |
| Core capital (leverage) ratio | 9.7931% | 3,871 |
| Tier 1 risk-based capital ratio | 11.0106% | 6,151 |
| Total risk-based capital ratio | 12.2627% | 6,103 |
| Memoranda: | ||
| Average total assets | $413,876,500 | 1,622 |
| Average earning assets | $382,569,000 | 1,608 |
| Average equity | $44,310,000 | 1,604 |
| Average total loans | $348,541,000 | 1,259 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 1,540 |
| Cost of funding earning assets | 0.6255% | 2,433 |
| Net interest margin | 4.0861% | 1,688 |
| Noninterest income to average assets | 0.7298% | 2,379 |
| Noninterest expense to average assets | 2.3636% | 5,189 |
| Loan and lease loss provision to assets | 0.1332% | 2,645 |
| Net operating income to assets | 1.9302% | 380 |
| Return on assets (ROA) | 1.9309% | 382 |
| Pretax return on assets | 1.9950% | 489 |
| Return on Equity (ROE) | 16.8389% | 519 |
| Retained earnings to average equity (ytd only) | 0.3560% | 5,690 |
| Net charge-offs to loans | 0.0003% | 5,472 |
| Credit loss provision to net charge-offs | 53,200.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 8,495.0000% | 3 |
| Efficiency ratio | 52.4118% | 6,259 |
| Assets per employee ($millions) | 4.7589% | 2,504 |
| Cash dividends to net income (ytd only)* | 97.8859% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 3,451 |
| Loan loss allowance to noncurrent loans | 493.3267% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 5,545 |
| Noncurrent loans to loans | 0.2926% | 5,308 |
| Net loans and leases to total assets | 81.6791% | 440 |
| Net loans and leases to deposits | 93.0954% | 949 |
| Net loans and leases to core deposits | 100.0876% | 1,154 |
| Total domestic deposits to total assets | 87.7370% | 2,342 |
| Equity capital to assets | 10.5924% | 3,058 |
| Core capital (leverage) ratio | 9.7183% | 3,964 |
| Tier 1 risk-based capital ratio | 11.1871% | 6,083 |
| Total risk-based capital ratio | 12.4392% | 6,029 |
| Memoranda: | ||
| Average total assets | $399,298,000 | 1,653 |
| Average earning assets | $367,564,000 | 1,643 |
| Average equity | $45,786,800 | 1,530 |
| Average total loans | $333,044,400 | 1,279 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 1,443 |
| Cost of funding earning assets | 0.6387% | 2,468 |
| Net interest margin | 4.1223% | 1,563 |
| Noninterest income to average assets | 0.7300% | 2,459 |
| Noninterest expense to average assets | 2.3780% | 5,084 |
| Loan and lease loss provision to assets | 0.1345% | 2,601 |
| Net operating income to assets | 1.9507% | 401 |
| Return on assets (ROA) | 1.9510% | 412 |
| Pretax return on assets | 2.0160% | 560 |
| Return on Equity (ROE) | 16.6815% | 569 |
| Retained earnings to average equity (ytd only) | 10.3737% | 716 |
| Net charge-offs to loans | 0.0020% | 5,174 |
| Credit loss provision to net charge-offs | 7,980.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,275.3298% | 27 |
| Efficiency ratio | 52.2998% | 6,238 |
| Assets per employee ($millions) | 4.5044% | 2,879 |
| Cash dividends to net income (ytd only)* | 37.8131% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,802 |
| Loan loss allowance to noncurrent loans | 551.6609% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 5,686 |
| Noncurrent loans to loans | 0.2578% | 5,583 |
| Net loans and leases to total assets | 83.2804% | 281 |
| Net loans and leases to deposits | 96.3407% | 666 |
| Net loans and leases to core deposits | 104.3674% | 861 |
| Total domestic deposits to total assets | 86.4436% | 2,995 |
| Equity capital to assets | 11.8165% | 2,034 |
| Core capital (leverage) ratio | 10.8834% | 2,584 |
| Tier 1 risk-based capital ratio | 12.3041% | 5,568 |
| Total risk-based capital ratio | 13.5558% | 5,512 |
| Memoranda: | ||
| Average total assets | $395,616,250 | 1,674 |
| Average earning assets | $364,508,000 | 1,663 |
| Average equity | $46,269,750 | 1,523 |
| Average total loans | $330,524,250 | 1,295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 1,439 |
| Cost of funding earning assets | 0.6492% | 2,508 |
| Net interest margin | 4.1022% | 1,539 |
| Noninterest income to average assets | 0.7454% | 2,435 |
| Noninterest expense to average assets | 2.3673% | 5,152 |
| Loan and lease loss provision to assets | 0.1351% | 2,637 |
| Net operating income to assets | 1.9606% | 379 |
| Return on assets (ROA) | 1.9611% | 407 |
| Pretax return on assets | 2.0266% | 573 |
| Return on Equity (ROE) | 16.8269% | 571 |
| Retained earnings to average equity (ytd only) | 10.1214% | 820 |
| Net charge-offs to loans | -0.0769% | 6,418 |
| Credit loss provision to net charge-offs | -211.1111% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0520% | 6,280 |
| Assets per employee ($millions) | 4.5250% | 2,782 |
| Cash dividends to net income (ytd only)* | 39.8498% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,835 |
| Loan loss allowance to noncurrent loans | 682.8369% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 5,739 |
| Noncurrent loans to loans | 0.2114% | 5,775 |
| Net loans and leases to total assets | 84.4482% | 210 |
| Net loans and leases to deposits | 100.4548% | 402 |
| Net loans and leases to core deposits | 107.2769% | 670 |
| Total domestic deposits to total assets | 84.0659% | 4,289 |
| Equity capital to assets | 11.8679% | 1,993 |
| Core capital (leverage) ratio | 10.6645% | 2,700 |
| Tier 1 risk-based capital ratio | 12.3105% | 5,618 |
| Total risk-based capital ratio | 13.5629% | 5,565 |
| Memoranda: | ||
| Average total assets | $393,858,670 | 1,682 |
| Average earning assets | $363,217,330 | 1,668 |
| Average equity | $45,902,670 | 1,543 |
| Average total loans | $327,806,330 | 1,299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 1,496 |
| Cost of funding earning assets | 0.6576% | 2,588 |
| Net interest margin | 4.0566% | 1,604 |
| Noninterest income to average assets | 0.6966% | 2,607 |
| Noninterest expense to average assets | 2.3684% | 5,202 |
| Loan and lease loss provision to assets | 0.1343% | 2,561 |
| Net operating income to assets | 1.8566% | 431 |
| Return on assets (ROA) | 1.8576% | 472 |
| Pretax return on assets | 1.9192% | 708 |
| Return on Equity (ROE) | 16.0832% | 600 |
| Retained earnings to average equity (ytd only) | 9.1517% | 1,334 |
| Net charge-offs to loans | -0.1477% | 6,599 |
| Credit loss provision to net charge-offs | -110.8333% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3455% | 6,269 |
| Assets per employee ($millions) | 4.7531% | 2,564 |
| Cash dividends to net income (ytd only)* | 43.0978% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 4,042 |
| Loan loss allowance to noncurrent loans | 479.9795% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 5,624 |
| Noncurrent loans to loans | 0.3005% | 5,649 |
| Net loans and leases to total assets | 80.0178% | 421 |
| Net loans and leases to deposits | 92.5024% | 761 |
| Net loans and leases to core deposits | 97.6397% | 1,105 |
| Total domestic deposits to total assets | 86.5036% | 3,229 |
| Equity capital to assets | 11.5388% | 2,375 |
| Core capital (leverage) ratio | 10.1755% | 3,175 |
| Tier 1 risk-based capital ratio | 12.3036% | 5,718 |
| Total risk-based capital ratio | 13.5561% | 5,666 |
| Memoranda: | ||
| Average total assets | $396,212,000 | 1,688 |
| Average earning assets | $363,748,500 | 1,679 |
| Average equity | $45,762,000 | 1,568 |
| Average total loans | $324,986,500 | 1,311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 2,083 |
| Cost of funding earning assets | 0.7519% | 3,075 |
| Net interest margin | 4.0805% | 2,082 |
| Noninterest income to average assets | 0.8451% | 2,058 |
| Noninterest expense to average assets | 2.4439% | 5,277 |
| Loan and lease loss provision to assets | 0.1184% | 4,145 |
| Net operating income to assets | 1.9708% | 377 |
| Return on assets (ROA) | 1.9721% | 408 |
| Pretax return on assets | 2.0368% | 562 |
| Return on Equity (ROE) | 16.3446% | 608 |
| Retained earnings to average equity (ytd only) | 3.8079% | 3,529 |
| Net charge-offs to loans | 0.0217% | 5,597 |
| Credit loss provision to net charge-offs | 689.0625% | 359 |
| Earnings coverage of net charge-offs (x) | 125.3281% | 318 |
| Efficiency ratio | 52.9261% | 6,378 |
| Assets per employee ($millions) | 4.6805% | 2,664 |
| Cash dividends to net income (ytd only)* | 76.7021% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,366 |
| Loan loss allowance to noncurrent loans | 534.7037% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 5,676 |
| Noncurrent loans to loans | 0.2538% | 5,843 |
| Net loans and leases to total assets | 81.7462% | 342 |
| Net loans and leases to deposits | 94.9797% | 682 |
| Net loans and leases to core deposits | 99.0373% | 1,081 |
| Total domestic deposits to total assets | 86.0671% | 3,323 |
| Equity capital to assets | 11.5611% | 2,386 |
| Core capital (leverage) ratio | 10.2544% | 3,071 |
| Tier 1 risk-based capital ratio | 11.8558% | 5,872 |
| Total risk-based capital ratio | 13.1070% | 5,832 |
| Memoranda: | ||
| Average total assets | $372,399,400 | 1,747 |
| Average earning assets | $342,482,200 | 1,740 |
| Average equity | $44,932,400 | 1,549 |
| Average total loans | $294,255,600 | 1,426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 2,228 |
| Cost of funding earning assets | 0.7729% | 3,165 |
| Net interest margin | 4.0692% | 2,208 |
| Noninterest income to average assets | 0.8213% | 2,155 |
| Noninterest expense to average assets | 2.4153% | 5,353 |
| Loan and lease loss provision to assets | 0.1202% | 4,046 |
| Net operating income to assets | 1.9829% | 392 |
| Return on assets (ROA) | 1.9836% | 446 |
| Pretax return on assets | 2.0486% | 630 |
| Return on Equity (ROE) | 16.2578% | 703 |
| Retained earnings to average equity (ytd only) | 8.8833% | 1,272 |
| Net charge-offs to loans | 0.0023% | 5,740 |
| Credit loss provision to net charge-offs | 6,620.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,193.5727% | 31 |
| Efficiency ratio | 52.4677% | 6,410 |
| Assets per employee ($millions) | 4.3857% | 3,094 |
| Cash dividends to net income (ytd only)* | 45.3597% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 4,144 |
| Loan loss allowance to noncurrent loans | 338.4973% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 5,487 |
| Noncurrent loans to loans | 0.4295% | 5,586 |
| Net loans and leases to total assets | 79.4632% | 555 |
| Net loans and leases to deposits | 93.1692% | 858 |
| Net loans and leases to core deposits | 96.3935% | 1,382 |
| Total domestic deposits to total assets | 85.2891% | 3,625 |
| Equity capital to assets | 12.5123% | 1,884 |
| Core capital (leverage) ratio | 11.1644% | 2,241 |
| Tier 1 risk-based capital ratio | 13.2349% | 5,073 |
| Total risk-based capital ratio | 14.4874% | 5,032 |
| Memoranda: | ||
| Average total assets | $367,208,500 | 1,793 |
| Average earning assets | $339,482,250 | 1,774 |
| Average equity | $44,802,000 | 1,569 |
| Average total loans | $286,365,000 | 1,474 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,503 |
| Cost of funding earning assets | 0.7963% | 3,215 |
| Net interest margin | 4.0047% | 2,483 |
| Noninterest income to average assets | 0.7992% | 2,184 |
| Noninterest expense to average assets | 2.4470% | 5,303 |
| Loan and lease loss provision to assets | 0.1210% | 4,016 |
| Net operating income to assets | 1.8815% | 479 |
| Return on assets (ROA) | 1.8826% | 546 |
| Pretax return on assets | 1.9433% | 778 |
| Return on Equity (ROE) | 15.5653% | 840 |
| Retained earnings to average equity (ytd only) | 7.6672% | 1,778 |
| Net charge-offs to loans | 0.0142% | 5,238 |
| Credit loss provision to net charge-offs | 1,105.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 188.4500% | 236 |
| Efficiency ratio | 54.0114% | 6,315 |
| Assets per employee ($millions) | 4.3505% | 3,166 |
| Cash dividends to net income (ytd only)* | 50.7415% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 4,106 |
| Loan loss allowance to noncurrent loans | 220.8008% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 5,103 |
| Noncurrent loans to loans | 0.6708% | 5,163 |
| Net loans and leases to total assets | 78.2117% | 693 |
| Net loans and leases to deposits | 91.7435% | 977 |
| Net loans and leases to core deposits | 94.6278% | 1,540 |
| Total domestic deposits to total assets | 85.2504% | 3,740 |
| Equity capital to assets | 12.5111% | 1,809 |
| Core capital (leverage) ratio | 10.6819% | 2,625 |
| Tier 1 risk-based capital ratio | 13.4489% | 4,870 |
| Total risk-based capital ratio | 14.7016% | 4,821 |
| Memoranda: | ||
| Average total assets | $365,350,000 | 1,805 |
| Average earning assets | $338,548,670 | 1,775 |
| Average equity | $44,188,000 | 1,581 |
| Average total loans | $281,621,330 | 1,493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 2,738 |
| Cost of funding earning assets | 0.8209% | 3,300 |
| Net interest margin | 3.9546% | 2,694 |
| Noninterest income to average assets | 0.7881% | 2,221 |
| Noninterest expense to average assets | 2.5133% | 5,106 |
| Loan and lease loss provision to assets | 0.1197% | 3,848 |
| Net operating income to assets | 1.7689% | 636 |
| Return on assets (ROA) | 1.7710% | 715 |
| Pretax return on assets | 1.8276% | 1,019 |
| Return on Equity (ROE) | 14.8945% | 988 |
| Retained earnings to average equity (ytd only) | 4.7512% | 3,709 |
| Net charge-offs to loans | 0.0387% | 4,156 |
| Credit loss provision to net charge-offs | 407.4074% | 773 |
| Earnings coverage of net charge-offs (x) | 66.1852% | 506 |
| Efficiency ratio | 56.1279% | 6,109 |
| Assets per employee ($millions) | 4.4882% | 3,017 |
| Cash dividends to net income (ytd only)* | 68.1008% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 4,207 |
| Loan loss allowance to noncurrent loans | 745.3069% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 6,181 |
| Noncurrent loans to loans | 0.2000% | 6,284 |
| Net loans and leases to total assets | 73.2408% | 1,177 |
| Net loans and leases to deposits | 85.3284% | 1,495 |
| Net loans and leases to core deposits | 87.7628% | 2,075 |
| Total domestic deposits to total assets | 85.8340% | 3,625 |
| Equity capital to assets | 11.7868% | 2,196 |
| Core capital (leverage) ratio | 10.3549% | 2,926 |
| Tier 1 risk-based capital ratio | 13.7163% | 4,668 |
| Total risk-based capital ratio | 14.9695% | 4,651 |
| Memoranda: | ||
| Average total assets | $367,481,000 | 1,804 |
| Average earning assets | $341,072,500 | 1,771 |
| Average equity | $43,694,000 | 1,594 |
| Average total loans | $279,102,500 | 1,512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 2,406 |
| Cost of funding earning assets | 1.0539% | 2,991 |
| Net interest margin | 4.0583% | 2,604 |
| Noninterest income to average assets | 0.8223% | 1,957 |
| Noninterest expense to average assets | 2.4535% | 5,628 |
| Loan and lease loss provision to assets | 0.1188% | 5,117 |
| Net operating income to assets | 1.9167% | 369 |
| Return on assets (ROA) | 1.9169% | 394 |
| Pretax return on assets | 2.0134% | 521 |
| Return on Equity (ROE) | 16.6206% | 519 |
| Retained earnings to average equity (ytd only) | 11.9853% | 304 |
| Net charge-offs to loans | 0.1832% | 4,682 |
| Credit loss provision to net charge-offs | 81.5534% | 4,383 |
| Earnings coverage of net charge-offs (x) | 14.6350% | 1,441 |
| Efficiency ratio | 53.2663% | 6,580 |
| Assets per employee ($millions) | 4.3668% | 3,129 |
| Cash dividends to net income (ytd only)* | 27.8884% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,295 |
| Loan loss allowance to noncurrent loans | 419.1710% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,894 |
| Noncurrent loans to loans | 0.3431% | 6,043 |
| Net loans and leases to total assets | 76.4796% | 889 |
| Net loans and leases to deposits | 89.6555% | 1,195 |
| Net loans and leases to core deposits | 92.3211% | 1,857 |
| Total domestic deposits to total assets | 85.3039% | 3,688 |
| Equity capital to assets | 11.9964% | 2,129 |
| Core capital (leverage) ratio | 10.4056% | 2,839 |
| Tier 1 risk-based capital ratio | 13.3342% | 4,818 |
| Total risk-based capital ratio | 14.5865% | 4,794 |
| Memoranda: | ||
| Average total assets | $353,532,800 | 1,829 |
| Average earning assets | $327,818,000 | 1,803 |
| Average equity | $40,774,800 | 1,648 |
| Average total loans | $281,039,000 | 1,515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 2,275 |
| Cost of funding earning assets | 1.1027% | 2,961 |
| Net interest margin | 4.0790% | 2,559 |
| Noninterest income to average assets | 0.7606% | 2,257 |
| Noninterest expense to average assets | 2.3686% | 5,853 |
| Loan and lease loss provision to assets | 0.1196% | 4,941 |
| Net operating income to assets | 1.9599% | 371 |
| Return on assets (ROA) | 1.9603% | 408 |
| Pretax return on assets | 2.0589% | 556 |
| Return on Equity (ROE) | 17.1739% | 549 |
| Retained earnings to average equity (ytd only) | 13.0575% | 378 |
| Net charge-offs to loans | 0.2467% | 3,886 |
| Credit loss provision to net charge-offs | 60.5769% | 4,792 |
| Earnings coverage of net charge-offs (x) | 11.0365% | 1,849 |
| Efficiency ratio | 51.8531% | 6,694 |
| Assets per employee ($millions) | 4.2889% | 3,295 |
| Cash dividends to net income (ytd only)* | 23.9691% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 4,359 |
| Loan loss allowance to noncurrent loans | 488.8199% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 5,749 |
| Noncurrent loans to loans | 0.2951% | 6,257 |
| Net loans and leases to total assets | 76.4591% | 915 |
| Net loans and leases to deposits | 89.6945% | 1,249 |
| Net loans and leases to core deposits | 92.3648% | 1,956 |
| Total domestic deposits to total assets | 85.2439% | 3,649 |
| Equity capital to assets | 12.0610% | 2,205 |
| Core capital (leverage) ratio | 10.5613% | 2,799 |
| Tier 1 risk-based capital ratio | 13.3881% | 4,818 |
| Total risk-based capital ratio | 14.6403% | 4,784 |
| Memoranda: | ||
| Average total assets | $351,305,250 | 1,851 |
| Average earning assets | $326,086,250 | 1,824 |
| Average equity | $40,098,500 | 1,678 |
| Average total loans | $280,988,750 | 1,529 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 2,235 |
| Cost of funding earning assets | 1.1519% | 2,888 |
| Net interest margin | 4.0542% | 2,595 |
| Noninterest income to average assets | 0.7136% | 2,472 |
| Noninterest expense to average assets | 2.3766% | 5,913 |
| Loan and lease loss provision to assets | 0.1196% | 4,779 |
| Net operating income to assets | 1.8925% | 418 |
| Return on assets (ROA) | 1.8931% | 446 |
| Pretax return on assets | 1.9882% | 601 |
| Return on Equity (ROE) | 16.9050% | 562 |
| Retained earnings to average equity (ytd only) | 13.7569% | 335 |
| Net charge-offs to loans | 0.0691% | 4,948 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 37.7551% | 775 |
| Efficiency ratio | 52.7499% | 6,740 |
| Assets per employee ($millions) | 4.2499% | 3,255 |
| Cash dividends to net income (ytd only)* | 18.6221% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 4,047 |
| Loan loss allowance to noncurrent loans | 299.8590% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 5,443 |
| Noncurrent loans to loans | 0.5061% | 5,890 |
| Net loans and leases to total assets | 80.1587% | 516 |
| Net loans and leases to deposits | 93.8444% | 881 |
| Net loans and leases to core deposits | 96.8292% | 1,606 |
| Total domestic deposits to total assets | 85.4167% | 3,663 |
| Equity capital to assets | 11.8809% | 2,186 |
| Core capital (leverage) ratio | 9.9174% | 3,366 |
| Tier 1 risk-based capital ratio | 12.5988% | 5,257 |
| Total risk-based capital ratio | 13.8524% | 5,224 |
| Memoranda: | ||
| Average total assets | $351,178,330 | 1,868 |
| Average earning assets | $326,578,670 | 1,822 |
| Average equity | $39,325,670 | 1,707 |
| Average total loans | $283,708,000 | 1,534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 2,373 |
| Cost of funding earning assets | 1.1684% | 3,032 |
| Net interest margin | 3.9955% | 2,704 |
| Noninterest income to average assets | 0.6722% | 2,715 |
| Noninterest expense to average assets | 2.3708% | 5,977 |
| Loan and lease loss provision to assets | 0.1184% | 4,529 |
| Net operating income to assets | 1.8137% | 479 |
| Return on assets (ROA) | 1.8148% | 504 |
| Pretax return on assets | 1.9061% | 671 |
| Return on Equity (ROE) | 16.7000% | 606 |
| Retained earnings to average equity (ytd only) | 16.7000% | 298 |
| Net charge-offs to loans | 0.0322% | 4,647 |
| Credit loss provision to net charge-offs | 456.5217% | 769 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 400 |
| Efficiency ratio | 53.6961% | 6,719 |
| Assets per employee ($millions) | 4.3790% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 4,300 |
| Loan loss allowance to noncurrent loans | 230.3328% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 5,508 |
| Noncurrent loans to loans | 0.6426% | 5,747 |
| Net loans and leases to total assets | 77.3214% | 823 |
| Net loans and leases to deposits | 89.4646% | 1,298 |
| Net loans and leases to core deposits | 92.5515% | 2,064 |
| Total domestic deposits to total assets | 86.4269% | 3,272 |
| Equity capital to assets | 10.8418% | 2,841 |
| Core capital (leverage) ratio | 9.5327% | 3,754 |
| Tier 1 risk-based capital ratio | 12.0214% | 5,670 |
| Total risk-based capital ratio | 13.2745% | 5,661 |
| Memoranda: | ||
| Average total assets | $354,646,500 | 1,863 |
| Average earning assets | $330,369,500 | 1,816 |
| Average equity | $38,539,000 | 1,728 |
| Average total loans | $285,466,000 | 1,540 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8141% | 1,245 |
| Cost of funding earning assets | 1.3846% | 3,362 |
| Net interest margin | 4.4295% | 1,402 |
| Noninterest income to average assets | 0.7235% | 2,689 |
| Noninterest expense to average assets | 2.5125% | 5,746 |
| Loan and lease loss provision to assets | 0.2745% | 4,609 |
| Net operating income to assets | 1.8884% | 348 |
| Return on assets (ROA) | 1.8887% | 368 |
| Pretax return on assets | 1.9836% | 495 |
| Return on Equity (ROE) | 17.4177% | 438 |
| Retained earnings to average equity (ytd only) | 10.0945% | 505 |
| Net charge-offs to loans | 0.0718% | 6,079 |
| Credit loss provision to net charge-offs | 460.8040% | 497 |
| Earnings coverage of net charge-offs (x) | 37.9045% | 609 |
| Efficiency ratio | 52.4252% | 6,952 |
| Assets per employee ($millions) | 4.1171% | 3,542 |
| Cash dividends to net income (ytd only)* | 42.0444% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,284 |
| Loan loss allowance to noncurrent loans | 176.8475% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 5,259 |
| Noncurrent loans to loans | 0.8194% | 5,414 |
| Net loans and leases to total assets | 81.4085% | 500 |
| Net loans and leases to deposits | 95.2791% | 924 |
| Net loans and leases to core deposits | 99.4838% | 1,659 |
| Total domestic deposits to total assets | 85.4421% | 3,639 |
| Equity capital to assets | 10.8932% | 2,782 |
| Core capital (leverage) ratio | 9.2759% | 4,052 |
| Tier 1 risk-based capital ratio | 11.4891% | 5,921 |
| Total risk-based capital ratio | 12.7417% | 5,918 |
| Memoranda: | ||
| Average total assets | $334,091,600 | 1,946 |
| Average earning assets | $305,223,600 | 1,950 |
| Average equity | $36,227,600 | 1,827 |
| Average total loans | $277,039,000 | 1,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 1,105 |
| Cost of funding earning assets | 1.4277% | 3,405 |
| Net interest margin | 4.4856% | 1,291 |
| Noninterest income to average assets | 0.6732% | 2,995 |
| Noninterest expense to average assets | 2.3763% | 6,095 |
| Loan and lease loss provision to assets | 0.3024% | 4,155 |
| Net operating income to assets | 1.9749% | 350 |
| Return on assets (ROA) | 1.9749% | 377 |
| Pretax return on assets | 2.0739% | 534 |
| Return on Equity (ROE) | 18.2340% | 465 |
| Retained earnings to average equity (ytd only) | 11.9069% | 473 |
| Net charge-offs to loans | -0.0267% | 7,388 |
| Credit loss provision to net charge-offs | -1,365.4545% | 7,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7882% | 7,171 |
| Assets per employee ($millions) | 4.1565% | 3,530 |
| Cash dividends to net income (ytd only)* | 34.6993% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 3,920 |
| Loan loss allowance to noncurrent loans | 204.4487% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 5,495 |
| Noncurrent loans to loans | 0.7381% | 5,728 |
| Net loans and leases to total assets | 79.9870% | 753 |
| Net loans and leases to deposits | 93.7307% | 1,236 |
| Net loans and leases to core deposits | 103.8395% | 1,498 |
| Total domestic deposits to total assets | 85.3371% | 3,442 |
| Equity capital to assets | 10.9286% | 3,028 |
| Core capital (leverage) ratio | 9.6817% | 3,646 |
| Tier 1 risk-based capital ratio | 11.5221% | 5,914 |
| Total risk-based capital ratio | 12.7751% | 5,896 |
| Memoranda: | ||
| Average total assets | $331,154,500 | 1,988 |
| Average earning assets | $301,166,750 | 2,006 |
| Average equity | $35,866,250 | 1,862 |
| Average total loans | $274,878,000 | 1,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 1,196 |
| Cost of funding earning assets | 1.4871% | 3,322 |
| Net interest margin | 4.4093% | 1,420 |
| Noninterest income to average assets | 0.6780% | 2,833 |
| Noninterest expense to average assets | 2.3838% | 6,107 |
| Loan and lease loss provision to assets | 0.3062% | 3,936 |
| Net operating income to assets | 1.9409% | 369 |
| Return on assets (ROA) | 1.9409% | 407 |
| Pretax return on assets | 2.0377% | 561 |
| Return on Equity (ROE) | 17.9779% | 463 |
| Retained earnings to average equity (ytd only) | 11.5220% | 565 |
| Net charge-offs to loans | -0.0330% | 7,368 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2008% | 7,209 |
| Assets per employee ($millions) | 3.9574% | 3,852 |
| Cash dividends to net income (ytd only)* | 35.9104% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 4,304 |
| Loan loss allowance to noncurrent loans | 254.6213% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 5,776 |
| Noncurrent loans to loans | 0.5600% | 6,130 |
| Net loans and leases to total assets | 83.4994% | 392 |
| Net loans and leases to deposits | 99.8835% | 738 |
| Net loans and leases to core deposits | 107.3088% | 1,355 |
| Total domestic deposits to total assets | 83.5968% | 4,292 |
| Equity capital to assets | 10.9943% | 2,865 |
| Core capital (leverage) ratio | 9.4036% | 3,954 |
| Tier 1 risk-based capital ratio | 10.9802% | 6,252 |
| Total risk-based capital ratio | 12.2321% | 6,245 |
| Memoranda: | ||
| Average total assets | $326,544,000 | 2,034 |
| Average earning assets | $299,911,670 | 2,027 |
| Average equity | $35,254,330 | 1,894 |
| Average total loans | $273,113,330 | 1,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8666% | 1,282 |
| Cost of funding earning assets | 1.5622% | 3,187 |
| Net interest margin | 4.3044% | 1,680 |
| Noninterest income to average assets | 0.6155% | 3,167 |
| Noninterest expense to average assets | 2.4018% | 6,077 |
| Loan and lease loss provision to assets | 0.3071% | 3,583 |
| Net operating income to assets | 1.7630% | 538 |
| Return on assets (ROA) | 1.7630% | 587 |
| Pretax return on assets | 1.8502% | 804 |
| Return on Equity (ROE) | 16.4822% | 653 |
| Retained earnings to average equity (ytd only) | 16.4822% | 309 |
| Net charge-offs to loans | -0.0798% | 7,472 |
| Credit loss provision to net charge-offs | -462.9630% | 6,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4656% | 7,104 |
| Assets per employee ($millions) | 4.0848% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 4,682 |
| Loan loss allowance to noncurrent loans | 237.4761% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 5,785 |
| Noncurrent loans to loans | 0.5681% | 6,163 |
| Net loans and leases to total assets | 83.3808% | 448 |
| Net loans and leases to deposits | 99.6270% | 783 |
| Net loans and leases to core deposits | 103.5727% | 1,779 |
| Total domestic deposits to total assets | 83.6929% | 4,306 |
| Equity capital to assets | 10.8956% | 2,850 |
| Core capital (leverage) ratio | 9.2883% | 4,075 |
| Tier 1 risk-based capital ratio | 10.7082% | 6,431 |
| Total risk-based capital ratio | 11.9161% | 6,461 |
| Memoranda: | ||
| Average total assets | $325,585,500 | 2,087 |
| Average earning assets | $298,300,500 | 2,088 |
| Average equity | $34,825,500 | 1,932 |
| Average total loans | $270,555,000 | 1,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0227% | 1,778 |
| Cost of funding earning assets | 2.0154% | 2,891 |
| Net interest margin | 4.0072% | 2,830 |
| Noninterest income to average assets | 0.6544% | 3,259 |
| Noninterest expense to average assets | 2.5219% | 6,050 |
| Loan and lease loss provision to assets | 0.3139% | 4,935 |
| Net operating income to assets | 1.4168% | 820 |
| Return on assets (ROA) | 1.4174% | 874 |
| Pretax return on assets | 1.4868% | 1,217 |
| Return on Equity (ROE) | 13.8808% | 805 |
| Retained earnings to average equity (ytd only) | 7.9147% | 725 |
| Net charge-offs to loans | 0.5258% | 3,679 |
| Credit loss provision to net charge-offs | 71.6332% | 6,459 |
| Earnings coverage of net charge-offs (x) | 4.1082% | 3,062 |
| Efficiency ratio | 57.8722% | 6,785 |
| Assets per employee ($millions) | 4.0548% | 3,702 |
| Cash dividends to net income (ytd only)* | 42.9805% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 4,811 |
| Loan loss allowance to noncurrent loans | 242.6950% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 5,804 |
| Noncurrent loans to loans | 0.5323% | 6,188 |
| Net loans and leases to total assets | 80.6096% | 893 |
| Net loans and leases to deposits | 96.6673% | 1,247 |
| Net loans and leases to core deposits | 111.0494% | 2,793 |
| Total domestic deposits to total assets | 83.3887% | 4,339 |
| Equity capital to assets | 10.4955% | 3,184 |
| Core capital (leverage) ratio | 8.9912% | 4,436 |
| Tier 1 risk-based capital ratio | 10.5404% | 6,354 |
| Total risk-based capital ratio | 11.7890% | 6,336 |
| Memoranda: | ||
| Average total assets | $318,606,200 | 2,118 |
| Average earning assets | $291,598,000 | 2,117 |
| Average equity | $32,534,200 | 2,058 |
| Average total loans | $265,509,600 | 1,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0717% | 1,759 |
| Cost of funding earning assets | 2.1023% | 2,883 |
| Net interest margin | 3.9694% | 2,943 |
| Noninterest income to average assets | 0.6297% | 3,497 |
| Noninterest expense to average assets | 2.5101% | 6,041 |
| Loan and lease loss provision to assets | 0.1824% | 5,538 |
| Net operating income to assets | 1.5033% | 806 |
| Return on assets (ROA) | 1.5041% | 865 |
| Pretax return on assets | 1.5781% | 1,222 |
| Return on Equity (ROE) | 14.8355% | 794 |
| Retained earnings to average equity (ytd only) | 7.7412% | 1,220 |
| Net charge-offs to loans | 0.2966% | 4,172 |
| Credit loss provision to net charge-offs | 73.4349% | 5,914 |
| Earnings coverage of net charge-offs (x) | 7.0829% | 2,478 |
| Efficiency ratio | 58.2652% | 6,685 |
| Assets per employee ($millions) | 3.7529% | 4,304 |
| Cash dividends to net income (ytd only)* | 47.8201% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,106 |
| Loan loss allowance to noncurrent loans | 143.0078% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 5,016 |
| Noncurrent loans to loans | 0.9592% | 5,378 |
| Net loans and leases to total assets | 83.4990% | 607 |
| Net loans and leases to deposits | 100.8989% | 1,024 |
| Net loans and leases to core deposits | 116.7778% | 2,545 |
| Total domestic deposits to total assets | 82.7551% | 4,340 |
| Equity capital to assets | 10.6024% | 3,399 |
| Core capital (leverage) ratio | 8.8320% | 4,928 |
| Tier 1 risk-based capital ratio | 10.2212% | 6,760 |
| Total risk-based capital ratio | 11.4724% | 6,694 |
| Memoranda: | ||
| Average total assets | $317,161,000 | 2,136 |
| Average earning assets | $290,852,250 | 2,133 |
| Average equity | $32,156,250 | 2,098 |
| Average total loans | $265,659,750 | 1,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0973% | 1,802 |
| Cost of funding earning assets | 2.1888% | 2,846 |
| Net interest margin | 3.9085% | 3,074 |
| Noninterest income to average assets | 0.6054% | 3,645 |
| Noninterest expense to average assets | 2.5047% | 6,109 |
| Loan and lease loss provision to assets | 0.1158% | 5,985 |
| Net operating income to assets | 1.4890% | 858 |
| Return on assets (ROA) | 1.4902% | 914 |
| Pretax return on assets | 1.5632% | 1,294 |
| Return on Equity (ROE) | 14.9241% | 843 |
| Retained earnings to average equity (ytd only) | 6.2772% | 1,892 |
| Net charge-offs to loans | 0.3838% | 3,282 |
| Credit loss provision to net charge-offs | 36.1493% | 5,956 |
| Earnings coverage of net charge-offs (x) | 5.2377% | 2,877 |
| Efficiency ratio | 59.2236% | 6,661 |
| Assets per employee ($millions) | 3.9932% | 3,690 |
| Cash dividends to net income (ytd only)* | 57.9392% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,232 |
| Loan loss allowance to noncurrent loans | 128.9406% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 4,980 |
| Noncurrent loans to loans | 1.0134% | 5,180 |
| Net loans and leases to total assets | 81.5636% | 1,035 |
| Net loans and leases to deposits | 96.7426% | 1,690 |
| Net loans and leases to core deposits | 112.0369% | 3,131 |
| Total domestic deposits to total assets | 84.3099% | 3,591 |
| Equity capital to assets | 9.8753% | 4,116 |
| Core capital (leverage) ratio | 8.4415% | 5,540 |
| Tier 1 risk-based capital ratio | 9.9159% | 7,021 |
| Total risk-based capital ratio | 11.1661% | 6,949 |
| Memoranda: | ||
| Average total assets | $317,801,000 | 2,157 |
| Average earning assets | $290,850,330 | 2,166 |
| Average equity | $31,734,000 | 2,134 |
| Average total loans | $265,251,670 | 1,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0431% | 2,184 |
| Cost of funding earning assets | 2.2610% | 2,881 |
| Net interest margin | 3.7821% | 3,525 |
| Noninterest income to average assets | 0.5981% | 3,562 |
| Noninterest expense to average assets | 2.5348% | 5,715 |
| Loan and lease loss provision to assets | 0.1168% | 5,476 |
| Net operating income to assets | 1.3665% | 1,217 |
| Return on assets (ROA) | 1.3665% | 1,306 |
| Pretax return on assets | 1.4325% | 1,876 |
| Return on Equity (ROE) | 13.6073% | 1,246 |
| Retained earnings to average equity (ytd only) | 10.0285% | 1,188 |
| Net charge-offs to loans | 0.7297% | 1,728 |
| Credit loss provision to net charge-offs | 19.0871% | 5,083 |
| Earnings coverage of net charge-offs (x) | 2.5311% | 3,483 |
| Efficiency ratio | 61.3806% | 6,179 |
| Assets per employee ($millions) | 3.9020% | 3,865 |
| Cash dividends to net income (ytd only)* | 26.3011% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 4,180 |
| Loan loss allowance to noncurrent loans | 118.5749% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 4,789 |
| Noncurrent loans to loans | 1.0812% | 4,819 |
| Net loans and leases to total assets | 83.5152% | 766 |
| Net loans and leases to deposits | 100.5543% | 1,334 |
| Net loans and leases to core deposits | 117.6054% | 2,632 |
| Total domestic deposits to total assets | 83.0548% | 4,119 |
| Equity capital to assets | 10.1957% | 3,770 |
| Core capital (leverage) ratio | 8.6596% | 5,232 |
| Tier 1 risk-based capital ratio | 9.8521% | 7,084 |
| Total risk-based capital ratio | 11.1018% | 6,985 |
| Memoranda: | ||
| Average total assets | $314,975,000 | 2,186 |
| Average earning assets | $290,312,500 | 2,181 |
| Average equity | $31,630,000 | 2,139 |
| Average total loans | $264,221,000 | 1,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7949% | 1,694 |
| Cost of funding earning assets | 2.8913% | 2,299 |
| Net interest margin | 3.9036% | 3,540 |
| Noninterest income to average assets | 0.7844% | 2,596 |
| Noninterest expense to average assets | 2.6183% | 5,582 |
| Loan and lease loss provision to assets | 0.3194% | 3,818 |
| Net operating income to assets | 1.3608% | 1,323 |
| Return on assets (ROA) | 1.3733% | 1,242 |
| Pretax return on assets | 1.4458% | 1,837 |
| Return on Equity (ROE) | 13.7831% | 1,155 |
| Retained earnings to average equity (ytd only) | 0.8488% | 4,715 |
| Net charge-offs to loans | 0.1397% | 4,825 |
| Credit loss provision to net charge-offs | 272.4138% | 1,687 |
| Earnings coverage of net charge-offs (x) | 14.9425% | 1,982 |
| Efficiency ratio | 59.2244% | 6,493 |
| Assets per employee ($millions) | 3.8751% | 3,797 |
| Cash dividends to net income (ytd only)* | 93.8420% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 2,865 |
| Loan loss allowance to noncurrent loans | 172.6040% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 4,993 |
| Noncurrent loans to loans | 0.8473% | 4,932 |
| Net loans and leases to total assets | 81.9516% | 1,239 |
| Net loans and leases to deposits | 101.1482% | 1,686 |
| Net loans and leases to core deposits | 117.7402% | 2,918 |
| Total domestic deposits to total assets | 81.0213% | 4,627 |
| Equity capital to assets | 9.8874% | 4,174 |
| Core capital (leverage) ratio | 8.5777% | 5,430 |
| Tier 1 risk-based capital ratio | 9.1404% | 7,673 |
| Total risk-based capital ratio | 10.3918% | 7,642 |
| Memoranda: | ||
| Average total assets | $296,796,600 | 2,220 |
| Average earning assets | $272,645,600 | 2,216 |
| Average equity | $29,572,400 | 2,288 |
| Average total loans | $249,192,600 | 1,908 |