Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 3,150 |
| Cost of funding earning assets | 1.6269% | 1,618 |
| Net interest margin | 2.8396% | 3,589 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6623% | 1,841 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.3644% | 3,935 |
| Return on assets (ROA) | 0.3644% | 3,926 |
| Pretax return on assets | 0.3489% | 4,039 |
| Return on Equity (ROE) | 5.8300% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.3866% | 3,485 |
| Net charge-offs to loans | 0.1319% | 746 |
| Credit loss provision to net charge-offs | 84.3206% | 1,992 |
| Earnings coverage of net charge-offs (x) | 4.6615% | 2,573 |
| Efficiency ratio | 83.3448% | 696 |
| Assets per employee ($millions) | 7.2726% | 1,883 |
| Cash dividends to net income (ytd only)* | 59.0921% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,068 |
| Loan loss allowance to noncurrent loans | 163.8983% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 896 |
| Noncurrent loans to loans | 0.7569% | 1,033 |
| Net loans and leases to total assets | 70.8500% | 1,718 |
| Net loans and leases to deposits | 82.2206% | 1,928 |
| Net loans and leases to core deposits | 88.9876% | 2,113 |
| Total domestic deposits to total assets | 86.1700% | 1,958 |
| Equity capital to assets | 6.8403% | 4,002 |
| Core capital (leverage) ratio | 7.7755% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3601% | 2,751 |
| Memoranda: | ||
| Average total assets | $2,103,530,200 | 548 |
| Average earning assets | $1,919,532,800 | 544 |
| Average equity | $131,403,000 | 754 |
| Average total loans | $1,522,916,000 | 509 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 3,073 |
| Cost of funding earning assets | 1.5092% | 1,574 |
| Net interest margin | 2.9080% | 3,525 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.6946% | 1,679 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3898% | 3,980 |
| Return on assets (ROA) | 0.3898% | 3,980 |
| Pretax return on assets | 0.3916% | 4,076 |
| Return on Equity (ROE) | 6.3900% | 3,570 |
| Retained earnings to average equity (ytd only) | 2.2186% | 3,681 |
| Net charge-offs to loans | 0.0977% | 798 |
| Credit loss provision to net charge-offs | 130.9481% | 1,414 |
| Earnings coverage of net charge-offs (x) | 6.6369% | 2,275 |
| Efficiency ratio | 82.8110% | 682 |
| Assets per employee ($millions) | 7.2746% | 1,769 |
| Cash dividends to net income (ytd only)* | 65.2945% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,004 |
| Loan loss allowance to noncurrent loans | 192.8919% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 1,082 |
| Noncurrent loans to loans | 0.6593% | 1,248 |
| Net loans and leases to total assets | 72.2400% | 1,547 |
| Net loans and leases to deposits | 84.3849% | 1,708 |
| Net loans and leases to core deposits | 92.2802% | 1,775 |
| Total domestic deposits to total assets | 85.6100% | 2,312 |
| Equity capital to assets | 5.5573% | 4,129 |
| Core capital (leverage) ratio | 7.8100% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1181% | 2,804 |
| Memoranda: | ||
| Average total assets | $2,102,151,500 | 550 |
| Average earning assets | $1,916,014,250 | 544 |
| Average equity | $128,187,500 | 772 |
| Average total loans | $1,525,411,250 | 514 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 3,013 |
| Cost of funding earning assets | 1.3580% | 1,560 |
| Net interest margin | 2.9852% | 3,467 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.7326% | 1,572 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.3945% | 4,011 |
| Return on assets (ROA) | 0.3945% | 4,023 |
| Pretax return on assets | 0.4354% | 4,067 |
| Return on Equity (ROE) | 6.2900% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.2277% | 3,668 |
| Net charge-offs to loans | 0.0724% | 844 |
| Credit loss provision to net charge-offs | 176.6304% | 1,099 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,000 |
| Efficiency ratio | 81.4784% | 745 |
| Assets per employee ($millions) | 7.6297% | 1,524 |
| Cash dividends to net income (ytd only)* | 64.5573% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,073 |
| Loan loss allowance to noncurrent loans | 158.2590% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 858 |
| Noncurrent loans to loans | 0.8025% | 951 |
| Net loans and leases to total assets | 70.2300% | 1,714 |
| Net loans and leases to deposits | 84.2849% | 1,648 |
| Net loans and leases to core deposits | 92.0452% | 1,684 |
| Total domestic deposits to total assets | 83.3300% | 2,977 |
| Equity capital to assets | 6.0625% | 4,126 |
| Core capital (leverage) ratio | 7.5788% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9605% | 2,850 |
| Memoranda: | ||
| Average total assets | $2,106,934,667 | 533 |
| Average earning assets | $1,920,921,333 | 533 |
| Average equity | $132,241,333 | 737 |
| Average total loans | $1,524,642,667 | 502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,925 |
| Cost of funding earning assets | 1.1553% | 1,575 |
| Net interest margin | 3.0958% | 3,361 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.7842% | 1,468 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.3828% | 4,114 |
| Return on assets (ROA) | 0.3828% | 4,063 |
| Pretax return on assets | 0.4459% | 4,062 |
| Return on Equity (ROE) | 5.9500% | 3,721 |
| Retained earnings to average equity (ytd only) | 1.9662% | 3,711 |
| Net charge-offs to loans | 0.0011% | 2,019 |
| Credit loss provision to net charge-offs | 12,200.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 701.7500% | 167 |
| Efficiency ratio | 81.5016% | 740 |
| Assets per employee ($millions) | 7.0988% | 1,898 |
| Cash dividends to net income (ytd only)* | 66.9513% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,108 |
| Loan loss allowance to noncurrent loans | 93.9189% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 385 |
| Noncurrent loans to loans | 1.3682% | 483 |
| Net loans and leases to total assets | 71.7800% | 1,447 |
| Net loans and leases to deposits | 83.1287% | 1,567 |
| Net loans and leases to core deposits | 90.4420% | 1,589 |
| Total domestic deposits to total assets | 86.3500% | 2,493 |
| Equity capital to assets | 6.5077% | 4,025 |
| Core capital (leverage) ratio | 7.6756% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9534% | 2,953 |
| Memoranda: | ||
| Average total assets | $2,080,440,000 | 552 |
| Average earning assets | $1,892,901,000 | 549 |
| Average equity | $133,860,000 | 734 |
| Average total loans | $1,518,967,500 | 515 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 1,833 |
| Cost of funding earning assets | 0.2686% | 3,172 |
| Net interest margin | 3.6890% | 1,403 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 3.1774% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6646% | 3,721 |
| Return on assets (ROA) | 0.6947% | 3,580 |
| Pretax return on assets | 0.7710% | 3,694 |
| Return on Equity (ROE) | 10.0500% | 2,789 |
| Retained earnings to average equity (ytd only) | -7.6322% | 4,609 |
| Net charge-offs to loans | 0.0323% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 32.8341% | 1,639 |
| Efficiency ratio | 79.1624% | 777 |
| Assets per employee ($millions) | 6.7985% | 2,118 |
| Cash dividends to net income (ytd only)* | 175.9336% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 3,918 |
| Loan loss allowance to noncurrent loans | 127.2647% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 925 |
| Noncurrent loans to loans | 0.6688% | 1,115 |
| Net loans and leases to total assets | 72.6900% | 1,345 |
| Net loans and leases to deposits | 84.5364% | 1,417 |
| Net loans and leases to core deposits | 90.0905% | 1,501 |
| Total domestic deposits to total assets | 85.9800% | 2,730 |
| Equity capital to assets | 6.3597% | 3,956 |
| Core capital (leverage) ratio | 7.6500% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0604% | 2,718 |
| Memoranda: | ||
| Average total assets | $1,985,294,800 | 555 |
| Average earning assets | $1,819,281,200 | 554 |
| Average equity | $137,208,200 | 718 |
| Average total loans | $1,381,525,600 | 515 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 1,598 |
| Cost of funding earning assets | 0.1354% | 3,984 |
| Net interest margin | 3.7211% | 1,090 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.1985% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6533% | 3,687 |
| Return on assets (ROA) | 0.6929% | 3,544 |
| Pretax return on assets | 0.7909% | 3,604 |
| Return on Equity (ROE) | 9.8200% | 2,787 |
| Retained earnings to average equity (ytd only) | -12.2336% | 4,691 |
| Net charge-offs to loans | -0.0054% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.0972% | 832 |
| Assets per employee ($millions) | 6.5478% | 2,280 |
| Cash dividends to net income (ytd only)* | 224.5813% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 3,885 |
| Loan loss allowance to noncurrent loans | 122.6362% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 906 |
| Noncurrent loans to loans | 0.7265% | 1,121 |
| Net loans and leases to total assets | 72.7200% | 1,209 |
| Net loans and leases to deposits | 81.2291% | 1,505 |
| Net loans and leases to core deposits | 85.9817% | 1,525 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 5.5452% | 4,113 |
| Core capital (leverage) ratio | 8.0778% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7745% | 2,562 |
| Memoranda: | ||
| Average total assets | $1,964,926,000 | 560 |
| Average earning assets | $1,803,067,250 | 559 |
| Average equity | $138,641,500 | 723 |
| Average total loans | $1,348,113,500 | 520 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 1,370 |
| Cost of funding earning assets | 0.0898% | 4,295 |
| Net interest margin | 3.6803% | 943 |
| Noninterest income to average assets | 0.5622% | 1,896 |
| Noninterest expense to average assets | 3.3048% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5657% | 3,715 |
| Return on assets (ROA) | 0.6231% | 3,512 |
| Pretax return on assets | 0.7130% | 3,544 |
| Return on Equity (ROE) | 8.2110% | 2,963 |
| Retained earnings to average equity (ytd only) | -21.1834% | 4,729 |
| Net charge-offs to loans | -0.0096% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6483% | 824 |
| Assets per employee ($millions) | 6.7205% | 2,154 |
| Cash dividends to net income (ytd only)* | 357.9881% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 3,928 |
| Loan loss allowance to noncurrent loans | 133.7691% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 1,075 |
| Noncurrent loans to loans | 0.6790% | 1,272 |
| Net loans and leases to total assets | 69.7493% | 1,317 |
| Net loans and leases to deposits | 76.2568% | 1,671 |
| Net loans and leases to core deposits | 83.1500% | 1,508 |
| Total domestic deposits to total assets | 91.4664% | 1,040 |
| Equity capital to assets | 6.3362% | 4,087 |
| Core capital (leverage) ratio | 7.8187% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3692% | 2,953 |
| Memoranda: | ||
| Average total assets | $1,936,752,667 | 564 |
| Average earning assets | $1,783,833,333 | 561 |
| Average equity | $146,973,333 | 702 |
| Average total loans | $1,296,253,667 | 528 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 1,261 |
| Cost of funding earning assets | 0.0837% | 4,310 |
| Net interest margin | 3.6219% | 866 |
| Noninterest income to average assets | 0.6017% | 1,691 |
| Noninterest expense to average assets | 3.5607% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3373% | 4,080 |
| Return on assets (ROA) | 0.4087% | 3,900 |
| Pretax return on assets | 0.4692% | 3,923 |
| Return on Equity (ROE) | 4.9263% | 3,639 |
| Retained earnings to average equity (ytd only) | -47.7125% | 4,776 |
| Net charge-offs to loans | -0.0146% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3001% | 616 |
| Assets per employee ($millions) | 6.4857% | 2,389 |
| Cash dividends to net income (ytd only)* | 1,068.5293% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 3,961 |
| Loan loss allowance to noncurrent loans | 97.7796% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 809 |
| Noncurrent loans to loans | 0.9500% | 960 |
| Net loans and leases to total assets | 68.1547% | 1,197 |
| Net loans and leases to deposits | 75.2972% | 1,504 |
| Net loans and leases to core deposits | 80.3267% | 1,457 |
| Total domestic deposits to total assets | 90.5142% | 1,288 |
| Equity capital to assets | 7.3651% | 4,007 |
| Core capital (leverage) ratio | 8.2294% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6954% | 2,953 |
| Memoranda: | ||
| Average total assets | $1,856,731,000 | 593 |
| Average earning assets | $1,715,335,000 | 584 |
| Average equity | $154,031,000 | 696 |
| Average total loans | $1,206,427,500 | 561 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 2,762 |
| Cost of funding earning assets | 0.1424% | 4,039 |
| Net interest margin | 3.3233% | 2,250 |
| Noninterest income to average assets | 0.8903% | 1,232 |
| Noninterest expense to average assets | 2.9998% | 979 |
| Loan and lease loss provision to assets | 0.0958% | 1,304 |
| Net operating income to assets | 0.7924% | 3,354 |
| Return on assets (ROA) | 0.9072% | 3,076 |
| Pretax return on assets | 1.0023% | 3,254 |
| Return on Equity (ROE) | 9.4891% | 2,726 |
| Retained earnings to average equity (ytd only) | 6.2493% | 2,250 |
| Net charge-offs to loans | 0.0642% | 1,145 |
| Credit loss provision to net charge-offs | 241.8269% | 1,192 |
| Earnings coverage of net charge-offs (x) | 24.5401% | 1,742 |
| Efficiency ratio | 73.9401% | 1,312 |
| Assets per employee ($millions) | 6.1543% | 2,606 |
| Cash dividends to net income (ytd only)* | 34.1426% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 2,031 |
| Loan loss allowance to noncurrent loans | 183.7626% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 1,308 |
| Noncurrent loans to loans | 0.7472% | 1,363 |
| Net loans and leases to total assets | 59.2102% | 2,242 |
| Net loans and leases to deposits | 66.7671% | 2,434 |
| Net loans and leases to core deposits | 68.4790% | 2,605 |
| Total domestic deposits to total assets | 88.6817% | 1,679 |
| Equity capital to assets | 9.5004% | 3,148 |
| Core capital (leverage) ratio | 8.4327% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8565% | 2,297 |
| Memoranda: | ||
| Average total assets | $1,575,488,800 | 657 |
| Average earning assets | $1,460,867,800 | 656 |
| Average equity | $150,625,800 | 708 |
| Average total loans | $972,385,400 | 675 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 2,909 |
| Cost of funding earning assets | 0.1573% | 4,037 |
| Net interest margin | 3.3197% | 2,359 |
| Noninterest income to average assets | 0.9303% | 1,193 |
| Noninterest expense to average assets | 2.9266% | 1,086 |
| Loan and lease loss provision to assets | 0.1102% | 1,100 |
| Net operating income to assets | 0.8567% | 3,367 |
| Return on assets (ROA) | 0.9524% | 3,155 |
| Pretax return on assets | 1.0781% | 3,248 |
| Return on Equity (ROE) | 9.9455% | 2,749 |
| Retained earnings to average equity (ytd only) | 6.5553% | 2,598 |
| Net charge-offs to loans | -0.0032% | 3,316 |
| Credit loss provision to net charge-offs | -5,621.7391% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4687% | 1,445 |
| Assets per employee ($millions) | 6.1135% | 2,574 |
| Cash dividends to net income (ytd only)* | 34.0879% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,873 |
| Loan loss allowance to noncurrent loans | 101.7057% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 756 |
| Noncurrent loans to loans | 1.4104% | 754 |
| Net loans and leases to total assets | 58.8637% | 2,386 |
| Net loans and leases to deposits | 67.2510% | 2,518 |
| Net loans and leases to core deposits | 69.4899% | 2,639 |
| Total domestic deposits to total assets | 87.5283% | 2,093 |
| Equity capital to assets | 9.2812% | 3,580 |
| Core capital (leverage) ratio | 8.1655% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9107% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,564,716,500 | 667 |
| Average earning assets | $1,449,759,000 | 665 |
| Average equity | $149,839,250 | 719 |
| Average total loans | $972,555,000 | 692 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4998% | 2,892 |
| Cost of funding earning assets | 0.1731% | 4,011 |
| Net interest margin | 3.3266% | 2,358 |
| Noninterest income to average assets | 0.9476% | 1,162 |
| Noninterest expense to average assets | 2.7643% | 1,432 |
| Loan and lease loss provision to assets | 0.1488% | 803 |
| Net operating income to assets | 0.9685% | 3,009 |
| Return on assets (ROA) | 1.0455% | 2,815 |
| Pretax return on assets | 1.2047% | 2,895 |
| Return on Equity (ROE) | 10.7416% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.1120% | 2,390 |
| Net charge-offs to loans | -0.0055% | 3,465 |
| Credit loss provision to net charge-offs | -4,274.0741% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0144% | 2,012 |
| Assets per employee ($millions) | 6.0490% | 2,565 |
| Cash dividends to net income (ytd only)* | 33.7896% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,991 |
| Loan loss allowance to noncurrent loans | 111.1301% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 920 |
| Noncurrent loans to loans | 1.2561% | 944 |
| Net loans and leases to total assets | 60.1016% | 2,416 |
| Net loans and leases to deposits | 69.0569% | 2,508 |
| Net loans and leases to core deposits | 71.6777% | 2,630 |
| Total domestic deposits to total assets | 87.0320% | 2,301 |
| Equity capital to assets | 9.6112% | 3,240 |
| Core capital (leverage) ratio | 8.1890% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1006% | 2,327 |
| Memoranda: | ||
| Average total assets | $1,551,275,667 | 669 |
| Average earning assets | $1,437,066,333 | 665 |
| Average equity | $150,983,667 | 714 |
| Average total loans | $977,756,000 | 687 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 2,628 |
| Cost of funding earning assets | 0.1927% | 3,982 |
| Net interest margin | 3.4114% | 2,077 |
| Noninterest income to average assets | 1.0295% | 1,090 |
| Noninterest expense to average assets | 2.7418% | 1,512 |
| Loan and lease loss provision to assets | 0.1516% | 854 |
| Net operating income to assets | 1.1030% | 2,466 |
| Return on assets (ROA) | 1.1960% | 2,238 |
| Pretax return on assets | 1.4024% | 2,274 |
| Return on Equity (ROE) | 12.2080% | 1,941 |
| Retained earnings to average equity (ytd only) | 9.3440% | 1,846 |
| Net charge-offs to loans | -0.0045% | 3,350 |
| Credit loss provision to net charge-offs | -5,254.5455% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9399% | 2,473 |
| Assets per employee ($millions) | 5.9148% | 2,681 |
| Cash dividends to net income (ytd only)* | 23.4598% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,280 |
| Loan loss allowance to noncurrent loans | 101.4857% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 924 |
| Noncurrent loans to loans | 1.3141% | 989 |
| Net loans and leases to total assets | 62.0512% | 2,281 |
| Net loans and leases to deposits | 70.5875% | 2,450 |
| Net loans and leases to core deposits | 73.1397% | 2,602 |
| Total domestic deposits to total assets | 87.9069% | 1,891 |
| Equity capital to assets | 9.5114% | 3,194 |
| Core capital (leverage) ratio | 8.3273% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4569% | 2,103 |
| Memoranda: | ||
| Average total assets | $1,525,427,000 | 671 |
| Average earning assets | $1,411,603,000 | 665 |
| Average equity | $149,443,000 | 716 |
| Average total loans | $978,108,500 | 690 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 2,879 |
| Cost of funding earning assets | 0.4397% | 3,347 |
| Net interest margin | 3.5108% | 2,440 |
| Noninterest income to average assets | 1.1145% | 855 |
| Noninterest expense to average assets | 2.9073% | 1,666 |
| Loan and lease loss provision to assets | 0.2590% | 1,499 |
| Net operating income to assets | 0.9859% | 2,345 |
| Return on assets (ROA) | 1.1244% | 1,945 |
| Pretax return on assets | 1.3326% | 1,874 |
| Return on Equity (ROE) | 11.2467% | 1,542 |
| Retained earnings to average equity (ytd only) | 8.8617% | 805 |
| Net charge-offs to loans | 0.0237% | 2,570 |
| Credit loss provision to net charge-offs | 1,623.7885% | 517 |
| Earnings coverage of net charge-offs (x) | 89.4802% | 846 |
| Efficiency ratio | 65.4706% | 2,611 |
| Assets per employee ($millions) | 5.6854% | 2,642 |
| Cash dividends to net income (ytd only)* | 21.2068% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,550 |
| Loan loss allowance to noncurrent loans | 86.7247% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 884 |
| Noncurrent loans to loans | 1.4690% | 911 |
| Net loans and leases to total assets | 64.5671% | 2,284 |
| Net loans and leases to deposits | 74.0861% | 2,474 |
| Net loans and leases to core deposits | 76.8386% | 2,647 |
| Total domestic deposits to total assets | 87.1514% | 1,862 |
| Equity capital to assets | 10.0937% | 3,040 |
| Core capital (leverage) ratio | 8.3410% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9224% | 2,269 |
| Memoranda: | ||
| Average total assets | $1,423,738,800 | 646 |
| Average earning assets | $1,305,613,200 | 645 |
| Average equity | $142,343,600 | 705 |
| Average total loans | $957,721,600 | 671 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 2,981 |
| Cost of funding earning assets | 0.5012% | 3,214 |
| Net interest margin | 3.4967% | 2,601 |
| Noninterest income to average assets | 1.1501% | 793 |
| Noninterest expense to average assets | 2.8334% | 1,873 |
| Loan and lease loss provision to assets | 0.1775% | 2,211 |
| Net operating income to assets | 1.1042% | 1,970 |
| Return on assets (ROA) | 1.2123% | 1,729 |
| Pretax return on assets | 1.4694% | 1,516 |
| Return on Equity (ROE) | 12.1568% | 1,325 |
| Retained earnings to average equity (ytd only) | 9.9457% | 771 |
| Net charge-offs to loans | 0.0218% | 2,417 |
| Credit loss provision to net charge-offs | 1,199.3590% | 739 |
| Earnings coverage of net charge-offs (x) | 102.5064% | 777 |
| Efficiency ratio | 63.5119% | 2,824 |
| Assets per employee ($millions) | 5.6011% | 2,622 |
| Cash dividends to net income (ytd only)* | 18.1882% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,252 |
| Loan loss allowance to noncurrent loans | 54.1467% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 621 |
| Noncurrent loans to loans | 2.0160% | 597 |
| Net loans and leases to total assets | 65.6503% | 2,563 |
| Net loans and leases to deposits | 75.7639% | 2,774 |
| Net loans and leases to core deposits | 78.4902% | 2,972 |
| Total domestic deposits to total assets | 86.6512% | 1,797 |
| Equity capital to assets | 9.9594% | 3,260 |
| Core capital (leverage) ratio | 8.2406% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7393% | 2,311 |
| Memoranda: | ||
| Average total assets | $1,405,857,500 | 638 |
| Average earning assets | $1,286,510,000 | 643 |
| Average equity | $140,197,500 | 710 |
| Average total loans | $952,675,250 | 668 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 3,089 |
| Cost of funding earning assets | 0.5851% | 3,044 |
| Net interest margin | 3.5000% | 2,786 |
| Noninterest income to average assets | 1.0798% | 855 |
| Noninterest expense to average assets | 2.8910% | 1,849 |
| Loan and lease loss provision to assets | 0.1479% | 2,527 |
| Net operating income to assets | 1.0209% | 2,252 |
| Return on assets (ROA) | 1.1623% | 1,883 |
| Pretax return on assets | 1.4049% | 1,716 |
| Return on Equity (ROE) | 11.6497% | 1,435 |
| Retained earnings to average equity (ytd only) | 8.5447% | 1,150 |
| Net charge-offs to loans | 0.0329% | 2,074 |
| Credit loss provision to net charge-offs | 659.3548% | 1,036 |
| Earnings coverage of net charge-offs (x) | 61.6129% | 945 |
| Efficiency ratio | 65.9666% | 2,523 |
| Assets per employee ($millions) | 5.5504% | 2,589 |
| Cash dividends to net income (ytd only)* | 26.6534% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,602 |
| Loan loss allowance to noncurrent loans | 113.7553% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 1,781 |
| Noncurrent loans to loans | 0.8744% | 1,743 |
| Net loans and leases to total assets | 66.7681% | 2,528 |
| Net loans and leases to deposits | 76.8014% | 2,777 |
| Net loans and leases to core deposits | 79.5884% | 2,978 |
| Total domestic deposits to total assets | 86.9359% | 1,644 |
| Equity capital to assets | 9.7138% | 3,457 |
| Core capital (leverage) ratio | 8.1977% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1989% | 2,919 |
| Memoranda: | ||
| Average total assets | $1,381,580,333 | 631 |
| Average earning assets | $1,260,673,667 | 641 |
| Average equity | $137,840,333 | 712 |
| Average total loans | $943,074,333 | 662 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,124 |
| Cost of funding earning assets | 0.7227% | 2,820 |
| Net interest margin | 3.5064% | 2,957 |
| Noninterest income to average assets | 0.9170% | 1,038 |
| Noninterest expense to average assets | 3.0416% | 1,779 |
| Loan and lease loss provision to assets | 0.1538% | 1,862 |
| Net operating income to assets | 0.7745% | 3,003 |
| Return on assets (ROA) | 0.9045% | 2,615 |
| Pretax return on assets | 1.0636% | 2,626 |
| Return on Equity (ROE) | 8.9357% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.7729% | 1,966 |
| Net charge-offs to loans | 0.0009% | 2,567 |
| Credit loss provision to net charge-offs | 25,700.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,779.0000% | 18 |
| Efficiency ratio | 72.2676% | 2,045 |
| Assets per employee ($millions) | 5.1039% | 2,537 |
| Cash dividends to net income (ytd only)* | 35.3953% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,553 |
| Loan loss allowance to noncurrent loans | 132.7610% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,003 |
| Noncurrent loans to loans | 0.7750% | 2,061 |
| Net loans and leases to total assets | 67.8944% | 2,556 |
| Net loans and leases to deposits | 78.7200% | 2,811 |
| Net loans and leases to core deposits | 82.1825% | 3,011 |
| Total domestic deposits to total assets | 86.2480% | 1,896 |
| Equity capital to assets | 10.2797% | 3,536 |
| Core capital (leverage) ratio | 8.5614% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8410% | 2,779 |
| Memoranda: | ||
| Average total assets | $1,336,944,000 | 621 |
| Average earning assets | $1,215,963,500 | 627 |
| Average equity | $135,322,500 | 722 |
| Average total loans | $918,648,500 | 654 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 2,802 |
| Cost of funding earning assets | 0.7913% | 2,723 |
| Net interest margin | 3.7504% | 2,661 |
| Noninterest income to average assets | 0.8002% | 1,456 |
| Noninterest expense to average assets | 2.9985% | 2,020 |
| Loan and lease loss provision to assets | 0.2044% | 988 |
| Net operating income to assets | 0.8673% | 3,327 |
| Return on assets (ROA) | 0.9096% | 3,257 |
| Pretax return on assets | 1.0553% | 3,314 |
| Return on Equity (ROE) | 9.4777% | 2,531 |
| Retained earnings to average equity (ytd only) | -6.5037% | 5,019 |
| Net charge-offs to loans | 0.1775% | 1,138 |
| Credit loss provision to net charge-offs | 167.1410% | 1,547 |
| Earnings coverage of net charge-offs (x) | 9.8984% | 2,616 |
| Efficiency ratio | 69.4426% | 2,256 |
| Assets per employee ($millions) | 5.2018% | 2,343 |
| Cash dividends to net income (ytd only)* | 168.6206% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 3,589 |
| Loan loss allowance to noncurrent loans | 122.5354% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 1,810 |
| Noncurrent loans to loans | 0.8044% | 1,904 |
| Net loans and leases to total assets | 68.1482% | 2,662 |
| Net loans and leases to deposits | 78.2947% | 2,975 |
| Net loans and leases to core deposits | 82.2826% | 3,101 |
| Total domestic deposits to total assets | 87.0406% | 1,587 |
| Equity capital to assets | 9.9614% | 3,959 |
| Core capital (leverage) ratio | 8.2925% | 4,947 |
| Tier 1 risk-based capital ratio | 11.5466% | 4,606 |
| Total risk-based capital ratio | 12.5027% | 4,648 |
| Memoranda: | ||
| Average total assets | $1,264,113,800 | 628 |
| Average earning assets | $1,149,003,000 | 632 |
| Average equity | $121,316,200 | 753 |
| Average total loans | $871,041,400 | 662 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 2,711 |
| Cost of funding earning assets | 0.7778% | 2,828 |
| Net interest margin | 3.8250% | 2,514 |
| Noninterest income to average assets | 0.7941% | 1,433 |
| Noninterest expense to average assets | 3.0319% | 1,877 |
| Loan and lease loss provision to assets | 0.1412% | 1,364 |
| Net operating income to assets | 0.9303% | 3,229 |
| Return on assets (ROA) | 0.9987% | 3,064 |
| Pretax return on assets | 1.1767% | 3,056 |
| Return on Equity (ROE) | 10.5125% | 2,206 |
| Retained earnings to average equity (ytd only) | -10.0673% | 5,145 |
| Net charge-offs to loans | 0.0170% | 2,798 |
| Credit loss provision to net charge-offs | 1,201.8182% | 298 |
| Earnings coverage of net charge-offs (x) | 105.3385% | 722 |
| Efficiency ratio | 69.2456% | 2,220 |
| Assets per employee ($millions) | 5.2730% | 2,257 |
| Cash dividends to net income (ytd only)* | 195.7657% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,521 |
| Loan loss allowance to noncurrent loans | 105.0258% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,517 |
| Noncurrent loans to loans | 0.9610% | 1,672 |
| Net loans and leases to total assets | 67.7110% | 2,833 |
| Net loans and leases to deposits | 78.2835% | 3,067 |
| Net loans and leases to core deposits | 82.7185% | 3,199 |
| Total domestic deposits to total assets | 86.4946% | 1,774 |
| Equity capital to assets | 9.7619% | 4,247 |
| Core capital (leverage) ratio | 8.1634% | 5,069 |
| Tier 1 risk-based capital ratio | 11.3834% | 4,729 |
| Total risk-based capital ratio | 12.3693% | 4,748 |
| Memoranda: | ||
| Average total assets | $1,248,526,500 | 634 |
| Average earning assets | $1,134,323,000 | 636 |
| Average equity | $118,611,750 | 764 |
| Average total loans | $860,561,750 | 672 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 2,490 |
| Cost of funding earning assets | 0.7372% | 2,962 |
| Net interest margin | 3.9203% | 2,188 |
| Noninterest income to average assets | 0.7578% | 1,487 |
| Noninterest expense to average assets | 3.1037% | 1,724 |
| Loan and lease loss provision to assets | 0.1355% | 1,371 |
| Net operating income to assets | 0.8873% | 3,332 |
| Return on assets (ROA) | 0.9748% | 3,076 |
| Pretax return on assets | 1.1881% | 2,945 |
| Return on Equity (ROE) | 10.3646% | 2,227 |
| Retained earnings to average equity (ytd only) | -19.6553% | 5,249 |
| Net charge-offs to loans | 0.0109% | 2,745 |
| Credit loss provision to net charge-offs | 1,800.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 161.6087% | 463 |
| Efficiency ratio | 70.0955% | 2,209 |
| Assets per employee ($millions) | 5.1207% | 2,332 |
| Cash dividends to net income (ytd only)* | 289.6390% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,766 |
| Loan loss allowance to noncurrent loans | 96.9294% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9626% | 1,446 |
| Noncurrent loans to loans | 1.0044% | 1,633 |
| Net loans and leases to total assets | 68.1103% | 2,794 |
| Net loans and leases to deposits | 78.8897% | 3,070 |
| Net loans and leases to core deposits | 82.8549% | 3,209 |
| Total domestic deposits to total assets | 86.3362% | 1,875 |
| Equity capital to assets | 9.6340% | 4,287 |
| Core capital (leverage) ratio | 8.3100% | 5,055 |
| Tier 1 risk-based capital ratio | 11.2089% | 4,823 |
| Total risk-based capital ratio | 12.1586% | 4,867 |
| Memoranda: | ||
| Average total assets | $1,221,770,330 | 648 |
| Average earning assets | $1,110,382,000 | 653 |
| Average equity | $114,910,330 | 783 |
| Average total loans | $844,444,330 | 682 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 2,390 |
| Cost of funding earning assets | 0.7031% | 3,036 |
| Net interest margin | 3.9435% | 2,050 |
| Noninterest income to average assets | 0.7679% | 1,371 |
| Noninterest expense to average assets | 3.5631% | 883 |
| Loan and lease loss provision to assets | 0.1075% | 1,651 |
| Net operating income to assets | 0.5824% | 4,295 |
| Return on assets (ROA) | 0.6839% | 4,030 |
| Pretax return on assets | 0.8049% | 4,029 |
| Return on Equity (ROE) | 7.3703% | 3,519 |
| Retained earnings to average equity (ytd only) | -51.7455% | 5,333 |
| Net charge-offs to loans | 0.0210% | 2,034 |
| Credit loss provision to net charge-offs | 737.2093% | 474 |
| Earnings coverage of net charge-offs (x) | 54.3953% | 975 |
| Efficiency ratio | 80.1526% | 1,053 |
| Assets per employee ($millions) | 4.9834% | 2,544 |
| Cash dividends to net income (ytd only)* | 802.0823% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,969 |
| Loan loss allowance to noncurrent loans | 98.5050% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 1,493 |
| Noncurrent loans to loans | 0.9633% | 1,727 |
| Net loans and leases to total assets | 67.9206% | 2,765 |
| Net loans and leases to deposits | 77.9785% | 3,060 |
| Net loans and leases to core deposits | 81.4837% | 3,229 |
| Total domestic deposits to total assets | 87.1016% | 1,756 |
| Equity capital to assets | 9.5070% | 4,252 |
| Core capital (leverage) ratio | 8.2982% | 5,103 |
| Tier 1 risk-based capital ratio | 11.2974% | 4,843 |
| Total risk-based capital ratio | 12.2252% | 4,892 |
| Memoranda: | ||
| Average total assets | $1,179,770,000 | 675 |
| Average earning assets | $1,073,464,500 | 680 |
| Average equity | $109,466,500 | 819 |
| Average total loans | $817,612,000 | 706 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 3,181 |
| Cost of funding earning assets | 0.5428% | 3,094 |
| Net interest margin | 3.7374% | 2,907 |
| Noninterest income to average assets | 0.8010% | 1,444 |
| Noninterest expense to average assets | 3.2005% | 1,553 |
| Loan and lease loss provision to assets | 0.1313% | 1,669 |
| Net operating income to assets | 0.7897% | 3,844 |
| Return on assets (ROA) | 0.8921% | 3,457 |
| Pretax return on assets | 1.0443% | 3,458 |
| Return on Equity (ROE) | 9.7005% | 2,641 |
| Retained earnings to average equity (ytd only) | -3.7582% | 5,213 |
| Net charge-offs to loans | 0.1213% | 1,523 |
| Credit loss provision to net charge-offs | 157.9710% | 1,755 |
| Earnings coverage of net charge-offs (x) | 12.6944% | 2,512 |
| Efficiency ratio | 74.5742% | 1,554 |
| Assets per employee ($millions) | 4.8396% | 2,686 |
| Cash dividends to net income (ytd only)* | 138.7420% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,457 |
| Loan loss allowance to noncurrent loans | 121.6687% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,472 |
| Noncurrent loans to loans | 0.8529% | 1,890 |
| Net loans and leases to total assets | 69.4212% | 2,671 |
| Net loans and leases to deposits | 81.9329% | 2,741 |
| Net loans and leases to core deposits | 86.0417% | 2,913 |
| Total domestic deposits to total assets | 84.7293% | 2,761 |
| Equity capital to assets | 9.0143% | 4,564 |
| Core capital (leverage) ratio | 8.3860% | 5,074 |
| Tier 1 risk-based capital ratio | 11.4089% | 4,768 |
| Total risk-based capital ratio | 12.4189% | 4,791 |
| Memoranda: | ||
| Average total assets | $996,194,200 | 767 |
| Average earning assets | $920,800,200 | 762 |
| Average equity | $91,613,400 | 918 |
| Average total loans | $682,593,600 | 808 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,443 |
| Cost of funding earning assets | 0.4894% | 3,262 |
| Net interest margin | 3.6663% | 3,139 |
| Noninterest income to average assets | 0.7912% | 1,506 |
| Noninterest expense to average assets | 3.1960% | 1,532 |
| Loan and lease loss provision to assets | 0.1303% | 1,550 |
| Net operating income to assets | 0.7350% | 4,124 |
| Return on assets (ROA) | 0.8697% | 3,668 |
| Pretax return on assets | 1.0173% | 3,669 |
| Return on Equity (ROE) | 9.4047% | 2,900 |
| Retained earnings to average equity (ytd only) | -7.5398% | 5,360 |
| Net charge-offs to loans | 0.1377% | 1,180 |
| Credit loss provision to net charge-offs | 139.0922% | 1,814 |
| Earnings coverage of net charge-offs (x) | 10.5564% | 2,579 |
| Efficiency ratio | 75.9515% | 1,357 |
| Assets per employee ($millions) | 4.7341% | 2,803 |
| Cash dividends to net income (ytd only)* | 180.1704% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,547 |
| Loan loss allowance to noncurrent loans | 120.9836% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 1,453 |
| Noncurrent loans to loans | 0.8578% | 1,985 |
| Net loans and leases to total assets | 69.0676% | 2,791 |
| Net loans and leases to deposits | 81.4849% | 2,876 |
| Net loans and leases to core deposits | 85.4111% | 3,053 |
| Total domestic deposits to total assets | 84.7612% | 2,699 |
| Equity capital to assets | 8.7633% | 4,744 |
| Core capital (leverage) ratio | 8.5951% | 5,031 |
| Tier 1 risk-based capital ratio | 11.1382% | 4,975 |
| Total risk-based capital ratio | 12.1151% | 5,002 |
| Memoranda: | ||
| Average total assets | $971,802,750 | 788 |
| Average earning assets | $899,638,750 | 779 |
| Average equity | $89,868,000 | 929 |
| Average total loans | $661,426,250 | 833 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 3,563 |
| Cost of funding earning assets | 0.4627% | 3,264 |
| Net interest margin | 3.6011% | 3,308 |
| Noninterest income to average assets | 0.7842% | 1,520 |
| Noninterest expense to average assets | 2.9924% | 2,059 |
| Loan and lease loss provision to assets | 0.1359% | 1,445 |
| Net operating income to assets | 0.8556% | 3,648 |
| Return on assets (ROA) | 1.0395% | 2,855 |
| Pretax return on assets | 1.2129% | 2,897 |
| Return on Equity (ROE) | 11.0217% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.2010% | 1,976 |
| Net charge-offs to loans | 0.2123% | 745 |
| Credit loss provision to net charge-offs | 94.9405% | 2,116 |
| Earnings coverage of net charge-offs (x) | 7.9301% | 2,514 |
| Efficiency ratio | 72.3220% | 1,950 |
| Assets per employee ($millions) | 4.6211% | 2,940 |
| Cash dividends to net income (ytd only)* | 34.6650% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,013 |
| Loan loss allowance to noncurrent loans | 177.5870% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 1,918 |
| Noncurrent loans to loans | 0.6446% | 2,504 |
| Net loans and leases to total assets | 67.2377% | 2,986 |
| Net loans and leases to deposits | 80.0389% | 2,946 |
| Net loans and leases to core deposits | 83.8770% | 3,090 |
| Total domestic deposits to total assets | 84.0063% | 3,064 |
| Equity capital to assets | 9.2193% | 4,359 |
| Core capital (leverage) ratio | 9.5354% | 4,077 |
| Tier 1 risk-based capital ratio | 12.6158% | 4,118 |
| Total risk-based capital ratio | 13.6693% | 4,128 |
| Memoranda: | ||
| Average total assets | $939,098,000 | 814 |
| Average earning assets | $871,853,670 | 812 |
| Average equity | $88,570,670 | 941 |
| Average total loans | $632,996,670 | 857 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 3,492 |
| Cost of funding earning assets | 0.4151% | 3,482 |
| Net interest margin | 3.6185% | 3,111 |
| Noninterest income to average assets | 0.7408% | 1,656 |
| Noninterest expense to average assets | 3.0083% | 2,039 |
| Loan and lease loss provision to assets | 0.1466% | 1,259 |
| Net operating income to assets | 0.8144% | 3,650 |
| Return on assets (ROA) | 1.0946% | 2,463 |
| Pretax return on assets | 1.2778% | 2,441 |
| Return on Equity (ROE) | 11.4734% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,947 |
| Net charge-offs to loans | 0.4652% | 327 |
| Credit loss provision to net charge-offs | 46.9697% | 1,971 |
| Earnings coverage of net charge-offs (x) | 3.5193% | 2,380 |
| Efficiency ratio | 73.0737% | 2,031 |
| Assets per employee ($millions) | 4.6343% | 2,957 |
| Cash dividends to net income (ytd only)* | 32.6394% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,188 |
| Loan loss allowance to noncurrent loans | 175.7553% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 1,948 |
| Noncurrent loans to loans | 0.6445% | 2,614 |
| Net loans and leases to total assets | 66.1733% | 3,011 |
| Net loans and leases to deposits | 77.8203% | 3,036 |
| Net loans and leases to core deposits | 80.8630% | 3,256 |
| Total domestic deposits to total assets | 85.0335% | 2,919 |
| Equity capital to assets | 9.3579% | 4,222 |
| Core capital (leverage) ratio | 9.4493% | 4,126 |
| Tier 1 risk-based capital ratio | 12.9536% | 3,974 |
| Total risk-based capital ratio | 14.0009% | 3,977 |
| Memoranda: | ||
| Average total assets | $930,367,000 | 822 |
| Average earning assets | $865,432,500 | 823 |
| Average equity | $88,762,000 | 946 |
| Average total loans | $624,186,500 | 871 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 3,606 |
| Cost of funding earning assets | 0.3064% | 4,073 |
| Net interest margin | 3.6348% | 3,042 |
| Noninterest income to average assets | 0.7613% | 1,727 |
| Noninterest expense to average assets | 2.8650% | 2,563 |
| Loan and lease loss provision to assets | 0.1313% | 1,747 |
| Net operating income to assets | 0.8337% | 3,015 |
| Return on assets (ROA) | 0.9034% | 2,722 |
| Pretax return on assets | 1.2239% | 2,667 |
| Return on Equity (ROE) | 9.4972% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.7075% | 1,702 |
| Net charge-offs to loans | 0.2346% | 1,104 |
| Credit loss provision to net charge-offs | 84.7458% | 2,874 |
| Earnings coverage of net charge-offs (x) | 8.1384% | 2,954 |
| Efficiency ratio | 69.2508% | 2,663 |
| Assets per employee ($millions) | 4.6000% | 3,031 |
| Cash dividends to net income (ytd only)* | 39.9031% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,757 |
| Loan loss allowance to noncurrent loans | 143.1962% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9975% | 1,548 |
| Noncurrent loans to loans | 0.8403% | 2,119 |
| Net loans and leases to total assets | 66.4420% | 3,041 |
| Net loans and leases to deposits | 77.4555% | 3,174 |
| Net loans and leases to core deposits | 80.4872% | 3,385 |
| Total domestic deposits to total assets | 85.7809% | 2,543 |
| Equity capital to assets | 9.7254% | 4,002 |
| Core capital (leverage) ratio | 9.4117% | 4,148 |
| Tier 1 risk-based capital ratio | 12.5678% | 4,166 |
| Total risk-based capital ratio | 13.6575% | 4,166 |
| Memoranda: | ||
| Average total assets | $913,806,600 | 812 |
| Average earning assets | $845,940,800 | 812 |
| Average equity | $86,920,600 | 937 |
| Average total loans | $603,635,600 | 861 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 3,623 |
| Cost of funding earning assets | 0.2905% | 4,226 |
| Net interest margin | 3.6288% | 3,044 |
| Noninterest income to average assets | 0.7494% | 1,787 |
| Noninterest expense to average assets | 2.8969% | 2,420 |
| Loan and lease loss provision to assets | 0.1057% | 1,998 |
| Net operating income to assets | 0.8677% | 3,188 |
| Return on assets (ROA) | 0.9553% | 2,807 |
| Pretax return on assets | 1.2137% | 2,845 |
| Return on Equity (ROE) | 10.1006% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.2881% | 2,066 |
| Net charge-offs to loans | 0.3029% | 693 |
| Credit loss provision to net charge-offs | 53.0492% | 2,877 |
| Earnings coverage of net charge-offs (x) | 6.0676% | 3,024 |
| Efficiency ratio | 70.3786% | 2,475 |
| Assets per employee ($millions) | 4.6172% | 2,949 |
| Cash dividends to net income (ytd only)* | 37.7451% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,163 |
| Loan loss allowance to noncurrent loans | 126.2791% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 1,589 |
| Noncurrent loans to loans | 0.9164% | 2,095 |
| Net loans and leases to total assets | 65.9498% | 3,109 |
| Net loans and leases to deposits | 79.5750% | 3,004 |
| Net loans and leases to core deposits | 81.9885% | 3,285 |
| Total domestic deposits to total assets | 82.8776% | 3,497 |
| Equity capital to assets | 9.7584% | 4,182 |
| Core capital (leverage) ratio | 9.3882% | 4,306 |
| Tier 1 risk-based capital ratio | 12.7175% | 4,194 |
| Total risk-based capital ratio | 13.7681% | 4,215 |
| Memoranda: | ||
| Average total assets | $911,109,000 | 820 |
| Average earning assets | $842,599,250 | 822 |
| Average equity | $86,170,500 | 948 |
| Average total loans | $599,093,750 | 874 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,596 |
| Cost of funding earning assets | 0.2799% | 4,289 |
| Net interest margin | 3.6071% | 3,008 |
| Noninterest income to average assets | 0.7136% | 1,929 |
| Noninterest expense to average assets | 2.7907% | 2,797 |
| Loan and lease loss provision to assets | 0.1224% | 1,691 |
| Net operating income to assets | 0.8865% | 2,981 |
| Return on assets (ROA) | 0.9799% | 2,575 |
| Pretax return on assets | 1.2533% | 2,567 |
| Return on Equity (ROE) | 10.4724% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.6372% | 1,777 |
| Net charge-offs to loans | 0.3973% | 513 |
| Credit loss provision to net charge-offs | 47.0837% | 2,592 |
| Earnings coverage of net charge-offs (x) | 4.8309% | 2,883 |
| Efficiency ratio | 68.7738% | 2,876 |
| Assets per employee ($millions) | 4.6206% | 2,911 |
| Cash dividends to net income (ytd only)* | 36.6226% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 3,187 |
| Loan loss allowance to noncurrent loans | 126.8472% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 1,647 |
| Noncurrent loans to loans | 0.9238% | 2,123 |
| Net loans and leases to total assets | 64.8776% | 3,265 |
| Net loans and leases to deposits | 75.7813% | 3,369 |
| Net loans and leases to core deposits | 78.1408% | 3,581 |
| Total domestic deposits to total assets | 85.6116% | 2,564 |
| Equity capital to assets | 9.5293% | 4,380 |
| Core capital (leverage) ratio | 9.3232% | 4,335 |
| Tier 1 risk-based capital ratio | 12.7633% | 4,145 |
| Total risk-based capital ratio | 13.8357% | 4,154 |
| Memoranda: | ||
| Average total assets | $910,079,330 | 828 |
| Average earning assets | $840,945,000 | 831 |
| Average equity | $85,157,000 | 960 |
| Average total loans | $595,468,000 | 885 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 3,545 |
| Cost of funding earning assets | 0.2692% | 4,365 |
| Net interest margin | 3.5917% | 2,914 |
| Noninterest income to average assets | 0.6738% | 2,068 |
| Noninterest expense to average assets | 2.8718% | 2,543 |
| Loan and lease loss provision to assets | 0.1034% | 1,848 |
| Net operating income to assets | 0.8287% | 3,084 |
| Return on assets (ROA) | 0.9335% | 2,648 |
| Pretax return on assets | 1.1474% | 2,781 |
| Return on Equity (ROE) | 10.0710% | 1,938 |
| Retained earnings to average equity (ytd only) | 6.2485% | 2,214 |
| Net charge-offs to loans | 0.7427% | 231 |
| Credit loss provision to net charge-offs | 21.3115% | 2,165 |
| Earnings coverage of net charge-offs (x) | 2.3115% | 2,610 |
| Efficiency ratio | 71.7305% | 2,622 |
| Assets per employee ($millions) | 4.4467% | 3,259 |
| Cash dividends to net income (ytd only)* | 37.9555% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,448 |
| Loan loss allowance to noncurrent loans | 123.3351% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 1,550 |
| Noncurrent loans to loans | 0.9282% | 2,181 |
| Net loans and leases to total assets | 65.6968% | 3,020 |
| Net loans and leases to deposits | 76.5606% | 3,130 |
| Net loans and leases to core deposits | 79.2039% | 3,366 |
| Total domestic deposits to total assets | 85.8103% | 2,752 |
| Equity capital to assets | 9.4595% | 4,324 |
| Core capital (leverage) ratio | 9.2372% | 4,424 |
| Tier 1 risk-based capital ratio | 12.8285% | 4,181 |
| Total risk-based capital ratio | 13.8894% | 4,208 |
| Memoranda: | ||
| Average total assets | $905,370,000 | 837 |
| Average earning assets | $836,699,500 | 835 |
| Average equity | $83,924,500 | 972 |
| Average total loans | $591,391,500 | 885 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 3,485 |
| Cost of funding earning assets | 0.2839% | 4,219 |
| Net interest margin | 3.6386% | 2,930 |
| Noninterest income to average assets | 0.7697% | 1,880 |
| Noninterest expense to average assets | 2.8181% | 2,965 |
| Loan and lease loss provision to assets | 0.1423% | 1,756 |
| Net operating income to assets | 0.9114% | 2,765 |
| Return on assets (ROA) | 0.9828% | 2,527 |
| Pretax return on assets | 1.2748% | 2,377 |
| Return on Equity (ROE) | 10.4542% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.2515% | 1,579 |
| Net charge-offs to loans | 0.0898% | 2,414 |
| Credit loss provision to net charge-offs | 241.9847% | 1,201 |
| Earnings coverage of net charge-offs (x) | 22.5191% | 1,729 |
| Efficiency ratio | 67.8390% | 3,271 |
| Assets per employee ($millions) | 4.6321% | 2,914 |
| Cash dividends to net income (ytd only)* | 40.2010% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,471 |
| Loan loss allowance to noncurrent loans | 126.0727% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 1,605 |
| Noncurrent loans to loans | 1.0423% | 1,996 |
| Net loans and leases to total assets | 63.3574% | 3,432 |
| Net loans and leases to deposits | 74.1375% | 3,498 |
| Net loans and leases to core deposits | 76.5755% | 3,699 |
| Total domestic deposits to total assets | 85.4593% | 2,852 |
| Equity capital to assets | 9.0827% | 4,729 |
| Core capital (leverage) ratio | 9.0491% | 4,681 |
| Tier 1 risk-based capital ratio | 12.8959% | 4,137 |
| Total risk-based capital ratio | 14.1179% | 4,046 |
| Memoranda: | ||
| Average total assets | $890,967,800 | 816 |
| Average earning assets | $825,869,800 | 806 |
| Average equity | $83,755,600 | 951 |
| Average total loans | $583,822,800 | 851 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 3,490 |
| Cost of funding earning assets | 0.3237% | 3,831 |
| Net interest margin | 3.6061% | 3,052 |
| Noninterest income to average assets | 0.7608% | 1,924 |
| Noninterest expense to average assets | 2.7966% | 3,021 |
| Loan and lease loss provision to assets | 0.1274% | 1,838 |
| Net operating income to assets | 0.9143% | 2,839 |
| Return on assets (ROA) | 0.9955% | 2,594 |
| Pretax return on assets | 1.2901% | 2,470 |
| Return on Equity (ROE) | 10.4982% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.1795% | 2,072 |
| Net charge-offs to loans | 0.0672% | 2,367 |
| Credit loss provision to net charge-offs | 287.7551% | 1,072 |
| Earnings coverage of net charge-offs (x) | 29.6429% | 1,503 |
| Efficiency ratio | 67.8747% | 3,243 |
| Assets per employee ($millions) | 4.5206% | 3,055 |
| Cash dividends to net income (ytd only)* | 41.1374% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,928 |
| Loan loss allowance to noncurrent loans | 136.7347% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 2,340 |
| Noncurrent loans to loans | 0.9173% | 2,410 |
| Net loans and leases to total assets | 65.6686% | 3,176 |
| Net loans and leases to deposits | 78.8546% | 3,091 |
| Net loans and leases to core deposits | 81.9685% | 3,283 |
| Total domestic deposits to total assets | 83.2780% | 3,492 |
| Equity capital to assets | 9.5827% | 4,573 |
| Core capital (leverage) ratio | 8.8773% | 4,970 |
| Tier 1 risk-based capital ratio | 12.6058% | 4,408 |
| Total risk-based capital ratio | 13.7911% | 4,352 |
| Memoranda: | ||
| Average total assets | $885,581,250 | 818 |
| Average earning assets | $822,173,250 | 807 |
| Average equity | $83,974,250 | 956 |
| Average total loans | $583,317,750 | 851 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 3,495 |
| Cost of funding earning assets | 0.2868% | 4,278 |
| Net interest margin | 3.6444% | 2,920 |
| Noninterest income to average assets | 0.7120% | 2,084 |
| Noninterest expense to average assets | 2.7431% | 3,229 |
| Loan and lease loss provision to assets | 0.1326% | 1,727 |
| Net operating income to assets | 0.9418% | 2,665 |
| Return on assets (ROA) | 1.0149% | 2,460 |
| Pretax return on assets | 1.3127% | 2,355 |
| Return on Equity (ROE) | 10.7413% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,055 |
| Net charge-offs to loans | 0.0692% | 2,201 |
| Credit loss provision to net charge-offs | 292.0000% | 984 |
| Earnings coverage of net charge-offs (x) | 29.7400% | 1,396 |
| Efficiency ratio | 66.8164% | 3,563 |
| Assets per employee ($millions) | 4.6414% | 2,807 |
| Cash dividends to net income (ytd only)* | 42.9530% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 3,085 |
| Loan loss allowance to noncurrent loans | 136.4769% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 2,474 |
| Noncurrent loans to loans | 0.9143% | 2,454 |
| Net loans and leases to total assets | 63.8250% | 3,391 |
| Net loans and leases to deposits | 77.3040% | 3,230 |
| Net loans and leases to core deposits | 80.1948% | 3,443 |
| Total domestic deposits to total assets | 82.5637% | 3,811 |
| Equity capital to assets | 9.4182% | 4,854 |
| Core capital (leverage) ratio | 8.9557% | 4,880 |
| Tier 1 risk-based capital ratio | 12.3967% | 4,597 |
| Total risk-based capital ratio | 13.5577% | 4,565 |
| Memoranda: | ||
| Average total assets | $880,905,670 | 824 |
| Average earning assets | $817,355,000 | 811 |
| Average equity | $83,230,000 | 960 |
| Average total loans | $578,335,670 | 858 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,101 |
| Cost of funding earning assets | 0.2883% | 4,295 |
| Net interest margin | 3.7448% | 2,501 |
| Noninterest income to average assets | 0.6998% | 2,046 |
| Noninterest expense to average assets | 2.8099% | 3,030 |
| Loan and lease loss provision to assets | 0.1366% | 1,529 |
| Net operating income to assets | 0.9605% | 2,458 |
| Return on assets (ROA) | 1.0516% | 2,189 |
| Pretax return on assets | 1.3480% | 2,100 |
| Return on Equity (ROE) | 11.1114% | 1,563 |
| Retained earnings to average equity (ytd only) | 7.3556% | 1,729 |
| Net charge-offs to loans | 0.0286% | 2,369 |
| Credit loss provision to net charge-offs | 721.9512% | 477 |
| Earnings coverage of net charge-offs (x) | 72.2683% | 677 |
| Efficiency ratio | 67.0718% | 3,623 |
| Assets per employee ($millions) | 4.4728% | 3,121 |
| Cash dividends to net income (ytd only)* | 33.8016% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 3,122 |
| Loan loss allowance to noncurrent loans | 132.9889% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 2,287 |
| Noncurrent loans to loans | 0.9464% | 2,483 |
| Net loans and leases to total assets | 65.1705% | 3,085 |
| Net loans and leases to deposits | 78.6138% | 2,936 |
| Net loans and leases to core deposits | 81.8165% | 3,145 |
| Total domestic deposits to total assets | 82.8996% | 3,937 |
| Equity capital to assets | 9.6177% | 4,547 |
| Core capital (leverage) ratio | 8.9403% | 4,927 |
| Tier 1 risk-based capital ratio | 12.7839% | 4,411 |
| Total risk-based capital ratio | 13.9726% | 4,356 |
| Memoranda: | ||
| Average total assets | $866,500,000 | 845 |
| Average earning assets | $804,736,000 | 829 |
| Average equity | $82,005,500 | 974 |
| Average total loans | $573,521,500 | 861 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,774 |
| Cost of funding earning assets | 0.2659% | 4,637 |
| Net interest margin | 3.6149% | 3,079 |
| Noninterest income to average assets | 0.7720% | 1,892 |
| Noninterest expense to average assets | 2.8776% | 2,938 |
| Loan and lease loss provision to assets | 0.1166% | 2,048 |
| Net operating income to assets | 0.9151% | 2,787 |
| Return on assets (ROA) | 0.9751% | 2,567 |
| Pretax return on assets | 1.1985% | 2,663 |
| Return on Equity (ROE) | 10.2187% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.3478% | 1,631 |
| Net charge-offs to loans | 0.0690% | 2,857 |
| Credit loss provision to net charge-offs | 263.5359% | 1,096 |
| Earnings coverage of net charge-offs (x) | 28.0387% | 1,525 |
| Efficiency ratio | 69.7453% | 3,262 |
| Assets per employee ($millions) | 4.3922% | 3,229 |
| Cash dividends to net income (ytd only)* | 37.8809% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,413 |
| Loan loss allowance to noncurrent loans | 124.6728% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 2,087 |
| Noncurrent loans to loans | 0.9710% | 2,392 |
| Net loans and leases to total assets | 65.5724% | 3,046 |
| Net loans and leases to deposits | 79.2958% | 2,905 |
| Net loans and leases to core deposits | 82.2923% | 3,113 |
| Total domestic deposits to total assets | 82.6933% | 3,948 |
| Equity capital to assets | 9.3099% | 4,776 |
| Core capital (leverage) ratio | 8.9794% | 4,908 |
| Tier 1 risk-based capital ratio | 12.3966% | 4,703 |
| Total risk-based capital ratio | 13.5299% | 4,673 |
| Memoranda: | ||
| Average total assets | $817,839,800 | 849 |
| Average earning assets | $757,146,400 | 837 |
| Average equity | $78,043,400 | 977 |
| Average total loans | $524,418,200 | 891 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 3,913 |
| Cost of funding earning assets | 0.2619% | 4,760 |
| Net interest margin | 3.5944% | 3,185 |
| Noninterest income to average assets | 0.7926% | 1,828 |
| Noninterest expense to average assets | 2.8968% | 2,856 |
| Loan and lease loss provision to assets | 0.0968% | 2,236 |
| Net operating income to assets | 0.8972% | 2,976 |
| Return on assets (ROA) | 0.9717% | 2,695 |
| Pretax return on assets | 1.2184% | 2,740 |
| Return on Equity (ROE) | 10.1166% | 2,059 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,096 |
| Net charge-offs to loans | 0.0576% | 2,776 |
| Credit loss provision to net charge-offs | 264.7059% | 1,093 |
| Earnings coverage of net charge-offs (x) | 33.4253% | 1,393 |
| Efficiency ratio | 70.2948% | 3,165 |
| Assets per employee ($millions) | 4.2758% | 3,368 |
| Cash dividends to net income (ytd only)* | 38.3215% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 3,559 |
| Loan loss allowance to noncurrent loans | 136.4374% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 2,400 |
| Noncurrent loans to loans | 0.8911% | 2,749 |
| Net loans and leases to total assets | 64.8703% | 3,177 |
| Net loans and leases to deposits | 80.3172% | 2,850 |
| Net loans and leases to core deposits | 83.4819% | 3,102 |
| Total domestic deposits to total assets | 80.7676% | 4,530 |
| Equity capital to assets | 9.4594% | 4,800 |
| Core capital (leverage) ratio | 8.8496% | 5,181 |
| Tier 1 risk-based capital ratio | 12.5872% | 4,692 |
| Total risk-based capital ratio | 13.7217% | 4,678 |
| Memoranda: | ||
| Average total assets | $805,981,500 | 872 |
| Average earning assets | $745,846,000 | 858 |
| Average equity | $77,415,250 | 989 |
| Average total loans | $511,939,500 | 910 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,075 |
| Cost of funding earning assets | 0.2560% | 4,881 |
| Net interest margin | 3.5419% | 3,329 |
| Noninterest income to average assets | 0.8054% | 1,756 |
| Noninterest expense to average assets | 2.8438% | 3,086 |
| Loan and lease loss provision to assets | 0.1222% | 1,804 |
| Net operating income to assets | 0.8879% | 2,952 |
| Return on assets (ROA) | 0.9934% | 2,534 |
| Pretax return on assets | 1.2498% | 2,551 |
| Return on Equity (ROE) | 10.2869% | 1,939 |
| Retained earnings to average equity (ytd only) | 6.4231% | 1,989 |
| Net charge-offs to loans | 0.0590% | 2,552 |
| Credit loss provision to net charge-offs | 329.9320% | 873 |
| Earnings coverage of net charge-offs (x) | 33.4422% | 1,272 |
| Efficiency ratio | 69.6248% | 3,399 |
| Assets per employee ($millions) | 4.3717% | 3,178 |
| Cash dividends to net income (ytd only)* | 37.5602% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 3,149 |
| Loan loss allowance to noncurrent loans | 200.7492% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 2,957 |
| Noncurrent loans to loans | 0.6560% | 3,511 |
| Net loans and leases to total assets | 61.7390% | 3,591 |
| Net loans and leases to deposits | 75.1291% | 3,373 |
| Net loans and leases to core deposits | 77.8678% | 3,592 |
| Total domestic deposits to total assets | 82.1773% | 4,236 |
| Equity capital to assets | 9.4281% | 4,740 |
| Core capital (leverage) ratio | 9.3768% | 4,453 |
| Tier 1 risk-based capital ratio | 13.3437% | 4,315 |
| Total risk-based capital ratio | 14.5486% | 4,269 |
| Memoranda: | ||
| Average total assets | $793,867,330 | 888 |
| Average earning assets | $734,460,000 | 877 |
| Average equity | $76,660,670 | 1,003 |
| Average total loans | $498,205,000 | 942 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7727% | 4,121 |
| Cost of funding earning assets | 0.2551% | 4,965 |
| Net interest margin | 3.5176% | 3,354 |
| Noninterest income to average assets | 0.8100% | 1,675 |
| Noninterest expense to average assets | 2.8716% | 3,000 |
| Loan and lease loss provision to assets | 0.1464% | 1,387 |
| Net operating income to assets | 0.8362% | 3,075 |
| Return on assets (ROA) | 0.9946% | 2,422 |
| Pretax return on assets | 1.2558% | 2,447 |
| Return on Equity (ROE) | 10.1749% | 1,919 |
| Retained earnings to average equity (ytd only) | 6.4650% | 2,256 |
| Net charge-offs to loans | 0.0511% | 2,272 |
| Credit loss provision to net charge-offs | 455.5556% | 590 |
| Earnings coverage of net charge-offs (x) | 37.3968% | 1,017 |
| Efficiency ratio | 70.4608% | 3,402 |
| Assets per employee ($millions) | 4.3606% | 3,266 |
| Cash dividends to net income (ytd only)* | 36.4615% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 3,239 |
| Loan loss allowance to noncurrent loans | 158.8902% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 2,680 |
| Noncurrent loans to loans | 0.8377% | 3,149 |
| Net loans and leases to total assets | 61.5207% | 3,448 |
| Net loans and leases to deposits | 75.1740% | 3,153 |
| Net loans and leases to core deposits | 77.8993% | 3,390 |
| Total domestic deposits to total assets | 81.8377% | 4,556 |
| Equity capital to assets | 9.7698% | 4,413 |
| Core capital (leverage) ratio | 9.4008% | 4,433 |
| Tier 1 risk-based capital ratio | 13.6364% | 4,259 |
| Total risk-based capital ratio | 14.8673% | 4,181 |
| Memoranda: | ||
| Average total assets | $784,232,500 | 895 |
| Average earning assets | $727,534,000 | 887 |
| Average equity | $76,659,500 | 998 |
| Average total loans | $492,946,500 | 954 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 3,994 |
| Cost of funding earning assets | 0.2635% | 5,181 |
| Net interest margin | 3.6720% | 3,122 |
| Noninterest income to average assets | 0.7473% | 2,085 |
| Noninterest expense to average assets | 2.7913% | 3,516 |
| Loan and lease loss provision to assets | 0.1167% | 2,224 |
| Net operating income to assets | 0.9444% | 2,651 |
| Return on assets (ROA) | 1.0000% | 2,459 |
| Pretax return on assets | 1.2935% | 2,263 |
| Return on Equity (ROE) | 10.4908% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.6310% | 1,578 |
| Net charge-offs to loans | 0.3596% | 1,212 |
| Credit loss provision to net charge-offs | 51.3498% | 3,455 |
| Earnings coverage of net charge-offs (x) | 5.8885% | 3,330 |
| Efficiency ratio | 67.5978% | 3,964 |
| Assets per employee ($millions) | 4.2809% | 3,395 |
| Cash dividends to net income (ytd only)* | 36.7916% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,449 |
| Loan loss allowance to noncurrent loans | 114.8195% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 2,467 |
| Noncurrent loans to loans | 1.1282% | 2,582 |
| Net loans and leases to total assets | 62.5552% | 3,433 |
| Net loans and leases to deposits | 76.4576% | 3,145 |
| Net loans and leases to core deposits | 79.1495% | 3,393 |
| Total domestic deposits to total assets | 81.8169% | 4,487 |
| Equity capital to assets | 9.7805% | 4,385 |
| Core capital (leverage) ratio | 9.1521% | 4,750 |
| Tier 1 risk-based capital ratio | 13.5709% | 4,373 |
| Total risk-based capital ratio | 14.7756% | 4,336 |
| Memoranda: | ||
| Average total assets | $749,932,200 | 902 |
| Average earning assets | $690,716,400 | 890 |
| Average equity | $71,482,000 | 1,028 |
| Average total loans | $473,854,200 | 935 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,977 |
| Cost of funding earning assets | 0.2615% | 5,289 |
| Net interest margin | 3.6866% | 3,081 |
| Noninterest income to average assets | 0.7345% | 2,161 |
| Noninterest expense to average assets | 2.7697% | 3,577 |
| Loan and lease loss provision to assets | 0.1031% | 2,316 |
| Net operating income to assets | 0.9580% | 2,654 |
| Return on assets (ROA) | 1.0298% | 2,383 |
| Pretax return on assets | 1.3442% | 2,221 |
| Return on Equity (ROE) | 10.8775% | 1,839 |
| Retained earnings to average equity (ytd only) | 6.9992% | 1,824 |
| Net charge-offs to loans | 0.4353% | 909 |
| Credit loss provision to net charge-offs | 37.5082% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.9269% | 3,352 |
| Efficiency ratio | 67.1637% | 4,016 |
| Assets per employee ($millions) | 4.3668% | 3,185 |
| Cash dividends to net income (ytd only)* | 35.6546% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 3,866 |
| Loan loss allowance to noncurrent loans | 104.6172% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,556 |
| Noncurrent loans to loans | 1.2064% | 2,630 |
| Net loans and leases to total assets | 62.3662% | 3,430 |
| Net loans and leases to deposits | 77.2074% | 3,046 |
| Net loans and leases to core deposits | 80.2758% | 3,287 |
| Total domestic deposits to total assets | 80.7775% | 4,889 |
| Equity capital to assets | 9.4296% | 4,883 |
| Core capital (leverage) ratio | 9.0656% | 4,973 |
| Tier 1 risk-based capital ratio | 13.4048% | 4,600 |
| Total risk-based capital ratio | 14.5878% | 4,587 |
| Memoranda: | ||
| Average total assets | $743,704,250 | 917 |
| Average earning assets | $683,729,250 | 905 |
| Average equity | $70,406,500 | 1,044 |
| Average total loans | $469,551,250 | 949 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,998 |
| Cost of funding earning assets | 0.2589% | 5,396 |
| Net interest margin | 3.6749% | 3,049 |
| Noninterest income to average assets | 0.7321% | 2,134 |
| Noninterest expense to average assets | 2.7651% | 3,640 |
| Loan and lease loss provision to assets | 0.1122% | 2,156 |
| Net operating income to assets | 0.9441% | 2,577 |
| Return on assets (ROA) | 1.0404% | 2,226 |
| Pretax return on assets | 1.3545% | 2,066 |
| Return on Equity (ROE) | 10.9745% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.1133% | 1,714 |
| Net charge-offs to loans | 0.6167% | 643 |
| Credit loss provision to net charge-offs | 28.8124% | 3,072 |
| Earnings coverage of net charge-offs (x) | 3.4462% | 3,304 |
| Efficiency ratio | 67.3306% | 4,144 |
| Assets per employee ($millions) | 4.3857% | 3,110 |
| Cash dividends to net income (ytd only)* | 35.1828% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,119 |
| Loan loss allowance to noncurrent loans | 118.1331% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 2,945 |
| Noncurrent loans to loans | 1.0631% | 3,106 |
| Net loans and leases to total assets | 62.5573% | 3,310 |
| Net loans and leases to deposits | 75.9477% | 3,067 |
| Net loans and leases to core deposits | 79.1822% | 3,306 |
| Total domestic deposits to total assets | 82.3689% | 4,519 |
| Equity capital to assets | 9.3143% | 4,968 |
| Core capital (leverage) ratio | 9.0738% | 4,902 |
| Tier 1 risk-based capital ratio | 13.0174% | 4,899 |
| Total risk-based capital ratio | 14.1768% | 4,898 |
| Memoranda: | ||
| Average total assets | $731,053,670 | 929 |
| Average earning assets | $671,310,330 | 920 |
| Average equity | $69,306,330 | 1,052 |
| Average total loans | $461,495,000 | 959 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 4,222 |
| Cost of funding earning assets | 0.2558% | 5,530 |
| Net interest margin | 3.6105% | 3,211 |
| Noninterest income to average assets | 0.6826% | 2,269 |
| Noninterest expense to average assets | 2.7231% | 3,860 |
| Loan and lease loss provision to assets | 0.1383% | 1,758 |
| Net operating income to assets | 0.8811% | 2,736 |
| Return on assets (ROA) | 1.0332% | 2,145 |
| Pretax return on assets | 1.3342% | 1,980 |
| Return on Equity (ROE) | 10.7953% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.1025% | 1,983 |
| Net charge-offs to loans | -0.0081% | 4,961 |
| Credit loss provision to net charge-offs | -2,722.2222% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1118% | 4,163 |
| Assets per employee ($millions) | 4.3587% | 3,231 |
| Cash dividends to net income (ytd only)* | 34.2077% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 2,555 |
| Loan loss allowance to noncurrent loans | 106.2527% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3427% | 2,634 |
| Noncurrent loans to loans | 1.5404% | 2,499 |
| Net loans and leases to total assets | 61.8198% | 3,271 |
| Net loans and leases to deposits | 75.5788% | 2,860 |
| Net loans and leases to core deposits | 78.6635% | 3,127 |
| Total domestic deposits to total assets | 81.7952% | 5,000 |
| Equity capital to assets | 9.5792% | 4,387 |
| Core capital (leverage) ratio | 9.8224% | 3,829 |
| Tier 1 risk-based capital ratio | 13.8912% | 4,401 |
| Total risk-based capital ratio | 15.1440% | 4,346 |
| Memoranda: | ||
| Average total assets | $708,445,000 | 957 |
| Average earning assets | $650,555,000 | 957 |
| Average equity | $67,807,500 | 1,081 |
| Average total loans | $446,347,500 | 987 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 3,809 |
| Cost of funding earning assets | 0.2700% | 5,832 |
| Net interest margin | 3.8116% | 2,610 |
| Noninterest income to average assets | 0.6930% | 2,580 |
| Noninterest expense to average assets | 2.8520% | 3,523 |
| Loan and lease loss provision to assets | 0.0650% | 3,830 |
| Net operating income to assets | 0.9729% | 2,455 |
| Return on assets (ROA) | 1.0411% | 2,221 |
| Pretax return on assets | 1.3935% | 1,799 |
| Return on Equity (ROE) | 10.8138% | 1,825 |
| Retained earnings to average equity (ytd only) | 6.7033% | 1,576 |
| Net charge-offs to loans | 0.3860% | 1,752 |
| Credit loss provision to net charge-offs | 26.7380% | 4,319 |
| Earnings coverage of net charge-offs (x) | 5.6280% | 3,255 |
| Efficiency ratio | 67.5905% | 4,274 |
| Assets per employee ($millions) | 4.2799% | 3,300 |
| Cash dividends to net income (ytd only)* | 38.0114% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 2,605 |
| Loan loss allowance to noncurrent loans | 181.8159% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 3,614 |
| Noncurrent loans to loans | 0.9028% | 3,728 |
| Net loans and leases to total assets | 62.1290% | 3,337 |
| Net loans and leases to deposits | 75.1732% | 3,071 |
| Net loans and leases to core deposits | 77.8618% | 3,380 |
| Total domestic deposits to total assets | 82.6479% | 4,666 |
| Equity capital to assets | 9.5631% | 4,329 |
| Core capital (leverage) ratio | 9.9055% | 3,691 |
| Tier 1 risk-based capital ratio | 14.2332% | 4,128 |
| Total risk-based capital ratio | 15.4862% | 4,069 |
| Memoranda: | ||
| Average total assets | $692,644,800 | 954 |
| Average earning assets | $640,827,000 | 946 |
| Average equity | $66,683,600 | 1,077 |
| Average total loans | $435,989,000 | 980 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,574 |
| Cost of funding earning assets | 0.2735% | 5,936 |
| Net interest margin | 3.8744% | 2,365 |
| Noninterest income to average assets | 0.6803% | 2,734 |
| Noninterest expense to average assets | 2.8132% | 3,612 |
| Loan and lease loss provision to assets | 0.0732% | 3,595 |
| Net operating income to assets | 1.0273% | 2,266 |
| Return on assets (ROA) | 1.1214% | 1,997 |
| Pretax return on assets | 1.5153% | 1,563 |
| Return on Equity (ROE) | 11.6282% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.7588% | 1,519 |
| Net charge-offs to loans | 0.3640% | 1,740 |
| Credit loss provision to net charge-offs | 31.9596% | 3,858 |
| Earnings coverage of net charge-offs (x) | 6.3835% | 2,985 |
| Efficiency ratio | 65.8124% | 4,518 |
| Assets per employee ($millions) | 4.2537% | 3,321 |
| Cash dividends to net income (ytd only)* | 33.2762% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 2,387 |
| Loan loss allowance to noncurrent loans | 75.5909% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.8761% | 2,166 |
| Noncurrent loans to loans | 2.3475% | 1,873 |
| Net loans and leases to total assets | 60.7715% | 3,565 |
| Net loans and leases to deposits | 74.2467% | 3,201 |
| Net loans and leases to core deposits | 76.8172% | 3,522 |
| Total domestic deposits to total assets | 81.8508% | 4,978 |
| Equity capital to assets | 9.6537% | 4,354 |
| Core capital (leverage) ratio | 9.7601% | 4,017 |
| Tier 1 risk-based capital ratio | 14.3940% | 4,152 |
| Total risk-based capital ratio | 15.6485% | 4,107 |
| Memoranda: | ||
| Average total assets | $692,470,000 | 962 |
| Average earning assets | $642,426,250 | 952 |
| Average equity | $66,778,250 | 1,087 |
| Average total loans | $435,497,000 | 980 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,566 |
| Cost of funding earning assets | 0.2794% | 5,986 |
| Net interest margin | 3.5960% | 3,375 |
| Noninterest income to average assets | 0.7076% | 2,599 |
| Noninterest expense to average assets | 2.7721% | 3,772 |
| Loan and lease loss provision to assets | 0.0665% | 3,704 |
| Net operating income to assets | 0.8953% | 2,824 |
| Return on assets (ROA) | 0.9902% | 2,512 |
| Pretax return on assets | 1.3407% | 2,156 |
| Return on Equity (ROE) | 10.2719% | 2,095 |
| Retained earnings to average equity (ytd only) | 6.3274% | 2,245 |
| Net charge-offs to loans | 0.4053% | 1,597 |
| Credit loss provision to net charge-offs | 25.9301% | 3,650 |
| Earnings coverage of net charge-offs (x) | 4.9899% | 2,989 |
| Efficiency ratio | 68.4308% | 4,107 |
| Assets per employee ($millions) | 4.2752% | 3,215 |
| Cash dividends to net income (ytd only)* | 38.4009% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,479 |
| Loan loss allowance to noncurrent loans | 61.0617% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.0358% | 2,120 |
| Noncurrent loans to loans | 2.9253% | 1,530 |
| Net loans and leases to total assets | 61.2600% | 3,434 |
| Net loans and leases to deposits | 74.5112% | 3,076 |
| Net loans and leases to core deposits | 76.9385% | 3,434 |
| Total domestic deposits to total assets | 82.2158% | 4,974 |
| Equity capital to assets | 9.3503% | 4,783 |
| Core capital (leverage) ratio | 9.6356% | 4,029 |
| Tier 1 risk-based capital ratio | 14.0412% | 4,390 |
| Total risk-based capital ratio | 15.2962% | 4,348 |
| Memoranda: | ||
| Average total assets | $692,174,000 | 962 |
| Average earning assets | $643,546,670 | 948 |
| Average equity | $66,726,000 | 1,081 |
| Average total loans | $437,670,670 | 976 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 4,449 |
| Cost of funding earning assets | 0.2882% | 6,058 |
| Net interest margin | 3.6181% | 3,191 |
| Noninterest income to average assets | 0.7341% | 2,408 |
| Noninterest expense to average assets | 2.7775% | 3,775 |
| Loan and lease loss provision to assets | 0.0783% | 3,331 |
| Net operating income to assets | 0.9272% | 2,536 |
| Return on assets (ROA) | 0.9829% | 2,431 |
| Pretax return on assets | 1.3163% | 2,172 |
| Return on Equity (ROE) | 10.0430% | 2,046 |
| Retained earnings to average equity (ytd only) | 5.9547% | 2,701 |
| Net charge-offs to loans | 0.1904% | 2,272 |
| Credit loss provision to net charge-offs | 64.5933% | 2,363 |
| Earnings coverage of net charge-offs (x) | 10.8947% | 1,702 |
| Efficiency ratio | 67.7798% | 4,352 |
| Assets per employee ($millions) | 3.9567% | 4,049 |
| Cash dividends to net income (ytd only)* | 40.7080% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8925% | 2,324 |
| Loan loss allowance to noncurrent loans | 65.7037% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 2,287 |
| Noncurrent loans to loans | 2.8804% | 1,754 |
| Net loans and leases to total assets | 62.8502% | 2,910 |
| Net loans and leases to deposits | 76.9203% | 2,498 |
| Net loans and leases to core deposits | 79.5042% | 2,867 |
| Total domestic deposits to total assets | 81.7082% | 5,296 |
| Equity capital to assets | 9.8327% | 4,377 |
| Core capital (leverage) ratio | 9.4335% | 4,194 |
| Tier 1 risk-based capital ratio | 13.5139% | 4,860 |
| Total risk-based capital ratio | 14.7699% | 4,817 |
| Memoranda: | ||
| Average total assets | $689,830,000 | 972 |
| Average earning assets | $641,325,500 | 954 |
| Average equity | $67,509,500 | 1,080 |
| Average total loans | $439,175,000 | 976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 4,587 |
| Cost of funding earning assets | 0.3784% | 6,061 |
| Net interest margin | 3.8238% | 3,130 |
| Noninterest income to average assets | 0.9625% | 1,657 |
| Noninterest expense to average assets | 2.9693% | 3,388 |
| Loan and lease loss provision to assets | 0.3484% | 1,918 |
| Net operating income to assets | 0.9035% | 2,799 |
| Return on assets (ROA) | 1.0323% | 2,404 |
| Pretax return on assets | 1.3276% | 2,297 |
| Return on Equity (ROE) | 10.7161% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.5703% | 1,300 |
| Net charge-offs to loans | 0.4569% | 2,408 |
| Credit loss provision to net charge-offs | 121.5098% | 2,353 |
| Earnings coverage of net charge-offs (x) | 5.2694% | 3,089 |
| Efficiency ratio | 66.2762% | 4,448 |
| Assets per employee ($millions) | 3.9724% | 4,006 |
| Cash dividends to net income (ytd only)* | 29.3552% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,207 |
| Loan loss allowance to noncurrent loans | 73.3409% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.8417% | 2,653 |
| Noncurrent loans to loans | 2.6256% | 2,015 |
| Net loans and leases to total assets | 62.0491% | 3,241 |
| Net loans and leases to deposits | 75.7198% | 2,849 |
| Net loans and leases to core deposits | 78.6236% | 3,181 |
| Total domestic deposits to total assets | 81.9457% | 5,121 |
| Equity capital to assets | 9.7403% | 4,541 |
| Core capital (leverage) ratio | 9.3148% | 4,390 |
| Tier 1 risk-based capital ratio | 13.3363% | 4,874 |
| Total risk-based capital ratio | 14.5927% | 4,820 |
| Memoranda: | ||
| Average total assets | $674,512,000 | 971 |
| Average earning assets | $620,512,000 | 966 |
| Average equity | $64,977,200 | 1,091 |
| Average total loans | $423,318,600 | 988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 4,618 |
| Cost of funding earning assets | 0.3972% | 6,137 |
| Net interest margin | 3.8599% | 3,079 |
| Noninterest income to average assets | 0.9378% | 1,710 |
| Noninterest expense to average assets | 2.9453% | 3,430 |
| Loan and lease loss provision to assets | 0.3232% | 2,035 |
| Net operating income to assets | 0.9442% | 2,772 |
| Return on assets (ROA) | 1.0573% | 2,474 |
| Pretax return on assets | 1.3569% | 2,385 |
| Return on Equity (ROE) | 11.0076% | 1,958 |
| Retained earnings to average equity (ytd only) | 7.8913% | 1,663 |
| Net charge-offs to loans | 0.3357% | 2,777 |
| Credit loss provision to net charge-offs | 153.7370% | 1,832 |
| Earnings coverage of net charge-offs (x) | 7.3018% | 2,623 |
| Efficiency ratio | 65.7374% | 4,499 |
| Assets per employee ($millions) | 3.9501% | 3,973 |
| Cash dividends to net income (ytd only)* | 28.3108% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 2,217 |
| Loan loss allowance to noncurrent loans | 72.8687% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 2,663 |
| Noncurrent loans to loans | 2.7186% | 2,081 |
| Net loans and leases to total assets | 62.4354% | 3,309 |
| Net loans and leases to deposits | 77.2408% | 2,765 |
| Net loans and leases to core deposits | 80.7193% | 3,117 |
| Total domestic deposits to total assets | 80.8322% | 5,414 |
| Equity capital to assets | 9.8636% | 4,689 |
| Core capital (leverage) ratio | 9.3114% | 4,567 |
| Tier 1 risk-based capital ratio | 13.1445% | 5,136 |
| Total risk-based capital ratio | 14.4013% | 5,093 |
| Memoranda: | ||
| Average total assets | $670,340,250 | 985 |
| Average earning assets | $615,240,750 | 983 |
| Average equity | $64,390,250 | 1,111 |
| Average total loans | $419,822,250 | 1,000 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 4,683 |
| Cost of funding earning assets | 0.4119% | 6,207 |
| Net interest margin | 3.8592% | 3,093 |
| Noninterest income to average assets | 0.7358% | 2,489 |
| Noninterest expense to average assets | 2.9635% | 3,396 |
| Loan and lease loss provision to assets | 0.3222% | 2,046 |
| Net operating income to assets | 0.7659% | 3,529 |
| Return on assets (ROA) | 0.9087% | 3,135 |
| Pretax return on assets | 1.1683% | 3,052 |
| Return on Equity (ROE) | 9.5473% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.5118% | 2,377 |
| Net charge-offs to loans | 0.4987% | 2,090 |
| Credit loss provision to net charge-offs | 103.7645% | 2,627 |
| Earnings coverage of net charge-offs (x) | 4.2104% | 3,146 |
| Efficiency ratio | 69.3895% | 3,870 |
| Assets per employee ($millions) | 3.9347% | 4,008 |
| Cash dividends to net income (ytd only)* | 31.7942% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,659 |
| Loan loss allowance to noncurrent loans | 68.0254% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.1703% | 2,577 |
| Noncurrent loans to loans | 2.7414% | 2,192 |
| Net loans and leases to total assets | 62.1877% | 3,396 |
| Net loans and leases to deposits | 77.1732% | 2,807 |
| Net loans and leases to core deposits | 80.7481% | 3,123 |
| Total domestic deposits to total assets | 80.5820% | 5,592 |
| Equity capital to assets | 9.4829% | 5,092 |
| Core capital (leverage) ratio | 9.0886% | 4,780 |
| Tier 1 risk-based capital ratio | 12.6603% | 5,443 |
| Total risk-based capital ratio | 13.9154% | 5,420 |
| Memoranda: | ||
| Average total assets | $667,317,330 | 988 |
| Average earning assets | $611,259,670 | 986 |
| Average equity | $63,515,670 | 1,118 |
| Average total loans | $415,508,000 | 1,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 4,787 |
| Cost of funding earning assets | 0.4249% | 6,282 |
| Net interest margin | 3.8627% | 3,088 |
| Noninterest income to average assets | 0.7647% | 2,325 |
| Noninterest expense to average assets | 3.1546% | 2,747 |
| Loan and lease loss provision to assets | 0.3179% | 1,970 |
| Net operating income to assets | 0.6635% | 4,059 |
| Return on assets (ROA) | 0.8386% | 3,445 |
| Pretax return on assets | 1.0590% | 3,472 |
| Return on Equity (ROE) | 8.7939% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.0954% | 2,901 |
| Net charge-offs to loans | 0.3180% | 2,373 |
| Credit loss provision to net charge-offs | 162.0370% | 1,570 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 2,285 |
| Efficiency ratio | 73.1947% | 3,225 |
| Assets per employee ($millions) | 3.7365% | 4,569 |
| Cash dividends to net income (ytd only)* | 30.6859% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,409 |
| Loan loss allowance to noncurrent loans | 61.5974% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 2,417 |
| Noncurrent loans to loans | 3.2197% | 1,994 |
| Net loans and leases to total assets | 60.6376% | 3,526 |
| Net loans and leases to deposits | 75.3999% | 2,904 |
| Net loans and leases to core deposits | 78.9856% | 3,188 |
| Total domestic deposits to total assets | 80.4213% | 5,747 |
| Equity capital to assets | 9.4784% | 4,839 |
| Core capital (leverage) ratio | 9.1487% | 4,608 |
| Tier 1 risk-based capital ratio | 12.9845% | 5,232 |
| Total risk-based capital ratio | 14.2410% | 5,197 |
| Memoranda: | ||
| Average total assets | $660,626,000 | 998 |
| Average earning assets | $606,315,000 | 994 |
| Average equity | $62,998,500 | 1,125 |
| Average total loans | $407,584,000 | 1,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 4,696 |
| Cost of funding earning assets | 0.5502% | 6,337 |
| Net interest margin | 4.0453% | 2,652 |
| Noninterest income to average assets | 0.8313% | 1,922 |
| Noninterest expense to average assets | 3.0740% | 3,293 |
| Loan and lease loss provision to assets | 0.5451% | 1,917 |
| Net operating income to assets | 0.7343% | 3,319 |
| Return on assets (ROA) | 0.8572% | 2,939 |
| Pretax return on assets | 1.0510% | 3,029 |
| Return on Equity (ROE) | 9.3288% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.4575% | 1,768 |
| Net charge-offs to loans | 1.1310% | 1,511 |
| Credit loss provision to net charge-offs | 75.8755% | 4,642 |
| Earnings coverage of net charge-offs (x) | 2.0132% | 4,269 |
| Efficiency ratio | 68.0054% | 4,356 |
| Assets per employee ($millions) | 3.5077% | 4,992 |
| Cash dividends to net income (ytd only)* | 30.7790% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9943% | 2,303 |
| Loan loss allowance to noncurrent loans | 56.0182% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.6852% | 2,266 |
| Noncurrent loans to loans | 3.5600% | 1,798 |
| Net loans and leases to total assets | 60.2976% | 3,934 |
| Net loans and leases to deposits | 74.4965% | 3,416 |
| Net loans and leases to core deposits | 77.5983% | 3,731 |
| Total domestic deposits to total assets | 80.9402% | 5,466 |
| Equity capital to assets | 9.5954% | 4,750 |
| Core capital (leverage) ratio | 9.1050% | 4,609 |
| Tier 1 risk-based capital ratio | 12.9964% | 5,070 |
| Total risk-based capital ratio | 14.2532% | 5,040 |
| Memoranda: | ||
| Average total assets | $643,942,200 | 1,008 |
| Average earning assets | $587,228,600 | 1,007 |
| Average equity | $59,171,600 | 1,143 |
| Average total loans | $409,010,200 | 1,030 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 4,706 |
| Cost of funding earning assets | 0.5782% | 6,386 |
| Net interest margin | 4.0624% | 2,635 |
| Noninterest income to average assets | 0.8432% | 1,863 |
| Noninterest expense to average assets | 3.1084% | 3,125 |
| Loan and lease loss provision to assets | 0.5474% | 1,796 |
| Net operating income to assets | 0.7337% | 3,458 |
| Return on assets (ROA) | 0.8501% | 3,093 |
| Pretax return on assets | 1.0310% | 3,280 |
| Return on Equity (ROE) | 9.3560% | 2,444 |
| Retained earnings to average equity (ytd only) | 6.4431% | 2,267 |
| Net charge-offs to loans | 1.1013% | 1,439 |
| Credit loss provision to net charge-offs | 77.6370% | 4,224 |
| Earnings coverage of net charge-offs (x) | 2.0374% | 4,128 |
| Efficiency ratio | 68.3929% | 4,239 |
| Assets per employee ($millions) | 3.6254% | 4,691 |
| Cash dividends to net income (ytd only)* | 31.1339% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 2,202 |
| Loan loss allowance to noncurrent loans | 42.4532% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.3744% | 1,879 |
| Noncurrent loans to loans | 4.8335% | 1,326 |
| Net loans and leases to total assets | 61.1654% | 3,910 |
| Net loans and leases to deposits | 75.3584% | 3,442 |
| Net loans and leases to core deposits | 78.6613% | 3,807 |
| Total domestic deposits to total assets | 81.1660% | 5,381 |
| Equity capital to assets | 9.4597% | 5,148 |
| Core capital (leverage) ratio | 8.9789% | 4,968 |
| Tier 1 risk-based capital ratio | 12.6351% | 5,382 |
| Total risk-based capital ratio | 13.8921% | 5,360 |
| Memoranda: | ||
| Average total assets | $641,821,750 | 1,015 |
| Average earning assets | $584,823,250 | 1,014 |
| Average equity | $58,313,750 | 1,165 |
| Average total loans | $410,912,500 | 1,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 4,506 |
| Cost of funding earning assets | 0.6089% | 6,415 |
| Net interest margin | 4.0977% | 2,416 |
| Noninterest income to average assets | 0.9344% | 1,515 |
| Noninterest expense to average assets | 3.0641% | 3,382 |
| Loan and lease loss provision to assets | 0.6471% | 1,485 |
| Net operating income to assets | 0.7875% | 3,130 |
| Return on assets (ROA) | 0.9160% | 2,666 |
| Pretax return on assets | 1.1106% | 2,811 |
| Return on Equity (ROE) | 10.2248% | 2,042 |
| Retained earnings to average equity (ytd only) | 7.2550% | 1,762 |
| Net charge-offs to loans | 1.4794% | 1,007 |
| Credit loss provision to net charge-offs | 67.7493% | 4,122 |
| Earnings coverage of net charge-offs (x) | 1.6762% | 4,033 |
| Efficiency ratio | 65.6815% | 4,939 |
| Assets per employee ($millions) | 3.6294% | 4,615 |
| Cash dividends to net income (ytd only)* | 29.0455% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,364 |
| Loan loss allowance to noncurrent loans | 39.9391% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.5089% | 1,877 |
| Noncurrent loans to loans | 5.0170% | 1,300 |
| Net loans and leases to total assets | 61.9546% | 3,893 |
| Net loans and leases to deposits | 76.5886% | 3,359 |
| Net loans and leases to core deposits | 80.3376% | 3,736 |
| Total domestic deposits to total assets | 80.8927% | 5,563 |
| Equity capital to assets | 9.1558% | 5,349 |
| Core capital (leverage) ratio | 8.9374% | 4,827 |
| Tier 1 risk-based capital ratio | 12.5773% | 5,268 |
| Total risk-based capital ratio | 13.8344% | 5,235 |
| Memoranda: | ||
| Average total assets | $638,239,000 | 1,033 |
| Average earning assets | $581,063,330 | 1,029 |
| Average equity | $57,174,670 | 1,174 |
| Average total loans | $412,047,000 | 1,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 4,257 |
| Cost of funding earning assets | 0.6317% | 6,468 |
| Net interest margin | 4.1276% | 2,162 |
| Noninterest income to average assets | 0.7256% | 2,415 |
| Noninterest expense to average assets | 3.0691% | 3,390 |
| Loan and lease loss provision to assets | 0.6979% | 1,209 |
| Net operating income to assets | 0.6167% | 3,954 |
| Return on assets (ROA) | 0.7589% | 3,289 |
| Pretax return on assets | 0.8790% | 3,581 |
| Return on Equity (ROE) | 8.5673% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.5578% | 2,878 |
| Net charge-offs to loans | 0.5195% | 2,184 |
| Credit loss provision to net charge-offs | 205.9369% | 1,444 |
| Earnings coverage of net charge-offs (x) | 4.1651% | 2,548 |
| Efficiency ratio | 68.4956% | 4,564 |
| Assets per employee ($millions) | 3.6390% | 4,678 |
| Cash dividends to net income (ytd only)* | 35.1284% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3561% | 1,666 |
| Loan loss allowance to noncurrent loans | 41.7525% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 4.1863% | 1,572 |
| Noncurrent loans to loans | 5.6431% | 1,157 |
| Net loans and leases to total assets | 62.7129% | 3,717 |
| Net loans and leases to deposits | 76.3275% | 3,366 |
| Net loans and leases to core deposits | 80.1743% | 3,729 |
| Total domestic deposits to total assets | 82.1630% | 5,245 |
| Equity capital to assets | 8.8924% | 5,361 |
| Core capital (leverage) ratio | 8.7170% | 5,057 |
| Tier 1 risk-based capital ratio | 12.1933% | 5,517 |
| Total risk-based capital ratio | 13.4539% | 5,505 |
| Memoranda: | ||
| Average total assets | $636,157,000 | 1,049 |
| Average earning assets | $578,737,000 | 1,047 |
| Average equity | $56,353,500 | 1,177 |
| Average total loans | $415,002,500 | 1,046 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 4,706 |
| Cost of funding earning assets | 0.8238% | 6,468 |
| Net interest margin | 4.1439% | 2,395 |
| Noninterest income to average assets | 0.7638% | 2,464 |
| Noninterest expense to average assets | 2.8878% | 4,287 |
| Loan and lease loss provision to assets | 0.8370% | 1,963 |
| Net operating income to assets | 0.6962% | 3,241 |
| Return on assets (ROA) | 0.7976% | 2,950 |
| Pretax return on assets | 0.9282% | 3,165 |
| Return on Equity (ROE) | 9.6472% | 2,057 |
| Retained earnings to average equity (ytd only) | 7.0227% | 1,309 |
| Net charge-offs to loans | 0.5782% | 3,310 |
| Credit loss provision to net charge-offs | 217.3234% | 1,392 |
| Earnings coverage of net charge-offs (x) | 4.2770% | 2,987 |
| Efficiency ratio | 63.6779% | 5,404 |
| Assets per employee ($millions) | 3.5697% | 4,781 |
| Cash dividends to net income (ytd only)* | 27.2042% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1786% | 1,912 |
| Loan loss allowance to noncurrent loans | 37.8214% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 4.4562% | 1,496 |
| Noncurrent loans to loans | 5.7604% | 1,107 |
| Net loans and leases to total assets | 64.8158% | 3,708 |
| Net loans and leases to deposits | 78.5505% | 3,420 |
| Net loans and leases to core deposits | 82.8057% | 3,773 |
| Total domestic deposits to total assets | 82.5148% | 5,016 |
| Equity capital to assets | 8.8240% | 5,398 |
| Core capital (leverage) ratio | 8.4760% | 5,408 |
| Tier 1 risk-based capital ratio | 11.5842% | 5,836 |
| Total risk-based capital ratio | 12.8423% | 5,843 |
| Memoranda: | ||
| Average total assets | $665,498,200 | 999 |
| Average earning assets | $605,642,000 | 1,002 |
| Average equity | $55,021,200 | 1,213 |
| Average total loans | $443,259,000 | 1,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 4,896 |
| Cost of funding earning assets | 0.8680% | 6,516 |
| Net interest margin | 4.1156% | 2,547 |
| Noninterest income to average assets | 0.7065% | 2,790 |
| Noninterest expense to average assets | 2.8215% | 4,396 |
| Loan and lease loss provision to assets | 0.8151% | 1,855 |
| Net operating income to assets | 0.6964% | 3,428 |
| Return on assets (ROA) | 0.8183% | 3,069 |
| Pretax return on assets | 0.9611% | 3,325 |
| Return on Equity (ROE) | 10.0560% | 2,102 |
| Retained earnings to average equity (ytd only) | 7.5834% | 1,566 |
| Net charge-offs to loans | 0.6052% | 2,926 |
| Credit loss provision to net charge-offs | 201.9608% | 1,765 |
| Earnings coverage of net charge-offs (x) | 4.0456% | 3,205 |
| Efficiency ratio | 63.3428% | 5,371 |
| Assets per employee ($millions) | 3.7283% | 4,439 |
| Cash dividends to net income (ytd only)* | 24.5890% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 2,525 |
| Loan loss allowance to noncurrent loans | 34.8220% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 4.4867% | 1,511 |
| Noncurrent loans to loans | 5.4167% | 1,238 |
| Net loans and leases to total assets | 65.3356% | 3,837 |
| Net loans and leases to deposits | 79.1472% | 3,608 |
| Net loans and leases to core deposits | 83.4611% | 4,030 |
| Total domestic deposits to total assets | 82.5495% | 4,776 |
| Equity capital to assets | 8.7549% | 5,928 |
| Core capital (leverage) ratio | 8.1552% | 6,109 |
| Tier 1 risk-based capital ratio | 11.1167% | 6,262 |
| Total risk-based capital ratio | 12.3719% | 6,257 |
| Memoranda: | ||
| Average total assets | $673,912,000 | 991 |
| Average earning assets | $613,678,250 | 993 |
| Average equity | $54,838,000 | 1,219 |
| Average total loans | $449,410,000 | 1,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 4,881 |
| Cost of funding earning assets | 0.9220% | 6,491 |
| Net interest margin | 4.0921% | 2,597 |
| Noninterest income to average assets | 0.6980% | 2,721 |
| Noninterest expense to average assets | 2.7918% | 4,522 |
| Loan and lease loss provision to assets | 0.7356% | 1,969 |
| Net operating income to assets | 0.7465% | 3,210 |
| Return on assets (ROA) | 0.8998% | 2,670 |
| Pretax return on assets | 1.0804% | 2,846 |
| Return on Equity (ROE) | 11.3320% | 1,638 |
| Retained earnings to average equity (ytd only) | 9.1388% | 1,068 |
| Net charge-offs to loans | 0.7038% | 2,460 |
| Credit loss provision to net charge-offs | 156.6604% | 2,518 |
| Earnings coverage of net charge-offs (x) | 3.4740% | 3,309 |
| Efficiency ratio | 63.1191% | 5,499 |
| Assets per employee ($millions) | 4.0027% | 3,765 |
| Cash dividends to net income (ytd only)* | 19.3538% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 3,517 |
| Loan loss allowance to noncurrent loans | 43.3574% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 3.3411% | 2,105 |
| Noncurrent loans to loans | 3.6552% | 2,152 |
| Net loans and leases to total assets | 62.9535% | 4,478 |
| Net loans and leases to deposits | 76.0911% | 4,319 |
| Net loans and leases to core deposits | 81.8969% | 4,432 |
| Total domestic deposits to total assets | 82.7344% | 4,676 |
| Equity capital to assets | 8.0860% | 6,668 |
| Core capital (leverage) ratio | 7.8835% | 6,401 |
| Tier 1 risk-based capital ratio | 10.8961% | 6,351 |
| Total risk-based capital ratio | 12.1494% | 6,332 |
| Memoranda: | ||
| Average total assets | $681,067,670 | 984 |
| Average earning assets | $619,970,670 | 990 |
| Average equity | $54,077,000 | 1,230 |
| Average total loans | $454,388,670 | 1,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 4,868 |
| Cost of funding earning assets | 0.9878% | 6,431 |
| Net interest margin | 4.0447% | 2,675 |
| Noninterest income to average assets | 0.6894% | 2,668 |
| Noninterest expense to average assets | 2.7606% | 4,647 |
| Loan and lease loss provision to assets | 0.7315% | 1,739 |
| Net operating income to assets | 0.7530% | 3,197 |
| Return on assets (ROA) | 0.8416% | 2,877 |
| Pretax return on assets | 0.9903% | 3,127 |
| Return on Equity (ROE) | 10.7005% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.7005% | 986 |
| Net charge-offs to loans | 0.2573% | 3,393 |
| Credit loss provision to net charge-offs | 417.2297% | 989 |
| Earnings coverage of net charge-offs (x) | 9.2264% | 1,880 |
| Efficiency ratio | 63.0547% | 5,651 |
| Assets per employee ($millions) | 3.9526% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,750 |
| Loan loss allowance to noncurrent loans | 37.4602% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 3.3678% | 2,107 |
| Noncurrent loans to loans | 4.0847% | 1,902 |
| Net loans and leases to total assets | 65.9956% | 3,851 |
| Net loans and leases to deposits | 79.5558% | 3,736 |
| Net loans and leases to core deposits | 85.7702% | 3,936 |
| Total domestic deposits to total assets | 82.9551% | 4,651 |
| Equity capital to assets | 7.8556% | 6,804 |
| Core capital (leverage) ratio | 7.8423% | 6,446 |
| Tier 1 risk-based capital ratio | 10.5095% | 6,623 |
| Total risk-based capital ratio | 11.7612% | 6,615 |
| Memoranda: | ||
| Average total assets | $675,366,000 | 1,019 |
| Average earning assets | $615,918,000 | 1,020 |
| Average equity | $53,119,000 | 1,258 |
| Average total loans | $460,105,500 | 1,026 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 5,390 |
| Cost of funding earning assets | 1.4433% | 5,746 |
| Net interest margin | 3.8115% | 3,653 |
| Noninterest income to average assets | 0.7371% | 2,753 |
| Noninterest expense to average assets | 2.7802% | 5,049 |
| Loan and lease loss provision to assets | 1.2743% | 1,814 |
| Net operating income to assets | 0.2790% | 4,613 |
| Return on assets (ROA) | 0.3888% | 4,273 |
| Pretax return on assets | 0.2762% | 4,829 |
| Return on Equity (ROE) | 5.0285% | 3,656 |
| Retained earnings to average equity (ytd only) | -0.3994% | 5,061 |
| Net charge-offs to loans | 1.7556% | 1,425 |
| Credit loss provision to net charge-offs | 103.4399% | 5,339 |
| Earnings coverage of net charge-offs (x) | 1.1695% | 4,956 |
| Efficiency ratio | 65.8689% | 5,420 |
| Assets per employee ($millions) | 3.7884% | 4,302 |
| Cash dividends to net income (ytd only)* | 107.9432% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 4,582 |
| Loan loss allowance to noncurrent loans | 32.9329% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 3.4718% | 1,939 |
| Noncurrent loans to loans | 4.0423% | 1,838 |
| Net loans and leases to total assets | 68.3517% | 3,624 |
| Net loans and leases to deposits | 83.4207% | 3,373 |
| Net loans and leases to core deposits | 101.9120% | 3,807 |
| Total domestic deposits to total assets | 81.9362% | 4,976 |
| Equity capital to assets | 7.8752% | 6,697 |
| Core capital (leverage) ratio | 7.7202% | 6,540 |
| Tier 1 risk-based capital ratio | 10.1348% | 6,759 |
| Total risk-based capital ratio | 11.3329% | 6,762 |
| Memoranda: | ||
| Average total assets | $670,193,200 | 1,031 |
| Average earning assets | $612,571,000 | 1,020 |
| Average equity | $51,824,400 | 1,288 |
| Average total loans | $470,273,600 | 1,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 5,553 |
| Cost of funding earning assets | 1.5324% | 5,703 |
| Net interest margin | 3.7408% | 3,906 |
| Noninterest income to average assets | 0.7924% | 2,471 |
| Noninterest expense to average assets | 2.8168% | 4,822 |
| Loan and lease loss provision to assets | 1.2877% | 1,493 |
| Net operating income to assets | 0.2022% | 5,148 |
| Return on assets (ROA) | 0.2889% | 4,937 |
| Pretax return on assets | 0.1994% | 5,307 |
| Return on Equity (ROE) | 3.7529% | 4,468 |
| Retained earnings to average equity (ytd only) | -3.4977% | 6,032 |
| Net charge-offs to loans | 2.0145% | 973 |
| Credit loss provision to net charge-offs | 90.8073% | 5,460 |
| Earnings coverage of net charge-offs (x) | 0.9875% | 5,068 |
| Efficiency ratio | 66.7937% | 5,225 |
| Assets per employee ($millions) | 3.7342% | 4,350 |
| Cash dividends to net income (ytd only)* | 193.2009% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,633 |
| Loan loss allowance to noncurrent loans | 27.0159% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 3.4885% | 1,911 |
| Noncurrent loans to loans | 4.1263% | 1,764 |
| Net loans and leases to total assets | 67.5182% | 4,065 |
| Net loans and leases to deposits | 81.9287% | 4,033 |
| Net loans and leases to core deposits | 101.4936% | 4,214 |
| Total domestic deposits to total assets | 82.4109% | 4,493 |
| Equity capital to assets | 7.6343% | 7,203 |
| Core capital (leverage) ratio | 7.7095% | 6,720 |
| Tier 1 risk-based capital ratio | 9.7430% | 7,197 |
| Total risk-based capital ratio | 10.7268% | 7,351 |
| Memoranda: | ||
| Average total assets | $671,997,250 | 1,037 |
| Average earning assets | $615,212,750 | 1,027 |
| Average equity | $51,727,750 | 1,305 |
| Average total loans | $473,024,500 | 1,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3836% | 5,232 |
| Cost of funding earning assets | 1.6312% | 5,604 |
| Net interest margin | 3.7524% | 3,743 |
| Noninterest income to average assets | 0.8398% | 2,222 |
| Noninterest expense to average assets | 2.8247% | 4,852 |
| Loan and lease loss provision to assets | 0.5422% | 2,857 |
| Net operating income to assets | 0.7497% | 3,046 |
| Return on assets (ROA) | 0.8350% | 2,808 |
| Pretax return on assets | 1.0104% | 2,969 |
| Return on Equity (ROE) | 10.8175% | 1,752 |
| Retained earnings to average equity (ytd only) | 3.4214% | 3,417 |
| Net charge-offs to loans | 0.4008% | 3,195 |
| Credit loss provision to net charge-offs | 190.2516% | 2,404 |
| Earnings coverage of net charge-offs (x) | 5.0870% | 2,920 |
| Efficiency ratio | 66.0819% | 5,534 |
| Assets per employee ($millions) | 3.5175% | 4,777 |
| Cash dividends to net income (ytd only)* | 68.3721% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 3,477 |
| Loan loss allowance to noncurrent loans | 27.8903% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 3.8566% | 1,571 |
| Noncurrent loans to loans | 5.1916% | 1,155 |
| Net loans and leases to total assets | 68.5122% | 4,072 |
| Net loans and leases to deposits | 85.5652% | 3,631 |
| Net loans and leases to core deposits | 106.5964% | 3,767 |
| Total domestic deposits to total assets | 80.0702% | 5,449 |
| Equity capital to assets | 7.7986% | 6,980 |
| Core capital (leverage) ratio | 7.9544% | 6,415 |
| Tier 1 risk-based capital ratio | 9.8546% | 7,082 |
| Total risk-based capital ratio | 11.0879% | 7,032 |
| Memoranda: | ||
| Average total assets | $669,452,000 | 1,053 |
| Average earning assets | $612,786,000 | 1,047 |
| Average equity | $51,675,330 | 1,316 |
| Average total loans | $476,016,330 | 1,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 5,096 |
| Cost of funding earning assets | 1.7168% | 5,528 |
| Net interest margin | 3.7475% | 3,665 |
| Noninterest income to average assets | 0.8961% | 1,867 |
| Noninterest expense to average assets | 2.6973% | 5,021 |
| Loan and lease loss provision to assets | 0.4168% | 2,835 |
| Net operating income to assets | 0.9672% | 2,454 |
| Return on assets (ROA) | 1.0331% | 2,321 |
| Pretax return on assets | 1.3124% | 2,238 |
| Return on Equity (ROE) | 13.4522% | 1,281 |
| Retained earnings to average equity (ytd only) | 5.6135% | 2,817 |
| Net charge-offs to loans | 0.4580% | 2,304 |
| Credit loss provision to net charge-offs | 126.5823% | 3,147 |
| Earnings coverage of net charge-offs (x) | 4.9982% | 2,778 |
| Efficiency ratio | 62.1058% | 6,030 |
| Assets per employee ($millions) | 3.7274% | 4,277 |
| Cash dividends to net income (ytd only)* | 58.2709% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 4,381 |
| Loan loss allowance to noncurrent loans | 51.2827% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.7974% | 3,218 |
| Noncurrent loans to loans | 2.4466% | 2,696 |
| Net loans and leases to total assets | 69.3404% | 3,836 |
| Net loans and leases to deposits | 84.9959% | 3,825 |
| Net loans and leases to core deposits | 104.8966% | 4,041 |
| Total domestic deposits to total assets | 81.5809% | 4,717 |
| Equity capital to assets | 7.6352% | 7,237 |
| Core capital (leverage) ratio | 7.9692% | 6,514 |
| Tier 1 risk-based capital ratio | 10.2467% | 6,650 |
| Total risk-based capital ratio | 11.3950% | 6,674 |
| Memoranda: | ||
| Average total assets | $671,771,500 | 1,050 |
| Average earning assets | $617,904,000 | 1,039 |
| Average equity | $51,590,000 | 1,327 |
| Average total loans | $482,939,500 | 1,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8858% | 6,108 |
| Cost of funding earning assets | 2.1646% | 5,761 |
| Net interest margin | 3.7212% | 4,378 |
| Noninterest income to average assets | 0.6758% | 3,289 |
| Noninterest expense to average assets | 2.6036% | 5,636 |
| Loan and lease loss provision to assets | 0.3677% | 3,480 |
| Net operating income to assets | 0.9024% | 2,989 |
| Return on assets (ROA) | 0.9283% | 2,739 |
| Pretax return on assets | 1.1601% | 2,806 |
| Return on Equity (ROE) | 11.7815% | 1,661 |
| Retained earnings to average equity (ytd only) | 3.8731% | 2,715 |
| Net charge-offs to loans | 0.2374% | 3,873 |
| Credit loss provision to net charge-offs | 208.3770% | 2,323 |
| Earnings coverage of net charge-offs (x) | 8.4756% | 2,879 |
| Efficiency ratio | 63.5165% | 5,665 |
| Assets per employee ($millions) | 3.6749% | 4,224 |
| Cash dividends to net income (ytd only)* | 67.1256% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 4,615 |
| Loan loss allowance to noncurrent loans | 46.7897% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 2,514 |
| Noncurrent loans to loans | 2.5454% | 2,138 |
| Net loans and leases to total assets | 72.7161% | 3,431 |
| Net loans and leases to deposits | 91.2574% | 3,247 |
| Net loans and leases to core deposits | 112.3617% | 3,525 |
| Total domestic deposits to total assets | 79.6824% | 5,142 |
| Equity capital to assets | 7.7250% | 7,175 |
| Core capital (leverage) ratio | 7.9350% | 6,593 |
| Tier 1 risk-based capital ratio | 10.5479% | 6,159 |
| Total risk-based capital ratio | 11.7154% | 6,123 |
| Memoranda: | ||
| Average total assets | $649,491,200 | 1,032 |
| Average earning assets | $597,490,600 | 1,022 |
| Average equity | $51,173,600 | 1,319 |
| Average total loans | $482,816,600 | 993 |