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 | 4.8028% | 2,466 |
| Cost of funding earning assets | 1.0742% | 3,134 |
| Net interest margin | 3.7286% | 1,702 |
| Noninterest income to average assets | 1.5700% | 371 |
| Noninterest expense to average assets | 3.4370% | 623 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1661% | 1,738 |
| Return on assets (ROA) | 1.0444% | 2,050 |
| Pretax return on assets | 1.3372% | 1,770 |
| Return on Equity (ROE) | 13.4100% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.6570% | 2,006 |
| Net charge-offs to loans | 0.0288% | 1,726 |
| Credit loss provision to net charge-offs | 511.7647% | 655 |
| Earnings coverage of net charge-offs (x) | 83.8301% | 994 |
| Efficiency ratio | 68.3956% | 2,061 |
| Assets per employee ($millions) | 5.7384% | 3,034 |
| Cash dividends to net income (ytd only)* | 50.3646% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,256 |
| Loan loss allowance to noncurrent loans | 319.4734% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,170 |
| Noncurrent loans to loans | 0.3160% | 2,053 |
| Net loans and leases to total assets | 66.2000% | 2,241 |
| Net loans and leases to deposits | 77.6897% | 2,299 |
| Net loans and leases to core deposits | 87.0535% | 2,242 |
| Total domestic deposits to total assets | 85.2100% | 2,244 |
| Equity capital to assets | 8.2300% | 3,259 |
| Core capital (leverage) ratio | 10.3466% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8475% | 1,580 |
| Memoranda: | ||
| Average total assets | $1,615,210,000 | 677 |
| Average earning assets | $1,495,594,600 | 668 |
| Average equity | $125,778,000 | 787 |
| Average total loans | $1,063,432,800 | 692 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 2,434 |
| Cost of funding earning assets | 0.9377% | 3,186 |
| Net interest margin | 3.7814% | 1,639 |
| Noninterest income to average assets | 1.6000% | 364 |
| Noninterest expense to average assets | 3.4027% | 621 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2469% | 1,656 |
| Return on assets (ROA) | 1.0841% | 2,090 |
| Pretax return on assets | 1.3868% | 1,804 |
| Return on Equity (ROE) | 14.1300% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.8730% | 2,337 |
| Net charge-offs to loans | 0.0375% | 1,355 |
| Credit loss provision to net charge-offs | 390.9091% | 731 |
| Earnings coverage of net charge-offs (x) | 68.6768% | 1,124 |
| Efficiency ratio | 66.8288% | 2,172 |
| Assets per employee ($millions) | 5.8007% | 2,927 |
| Cash dividends to net income (ytd only)* | 51.3443% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,551 |
| Loan loss allowance to noncurrent loans | 276.9997% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 2,106 |
| Noncurrent loans to loans | 0.3438% | 1,997 |
| Net loans and leases to total assets | 66.5800% | 2,191 |
| Net loans and leases to deposits | 77.3883% | 2,296 |
| Net loans and leases to core deposits | 87.5122% | 2,088 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 7.5288% | 3,339 |
| Core capital (leverage) ratio | 10.3616% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5294% | 1,700 |
| Memoranda: | ||
| Average total assets | $1,610,150,500 | 682 |
| Average earning assets | $1,488,445,500 | 673 |
| Average equity | $123,573,000 | 795 |
| Average total loans | $1,055,853,000 | 699 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 2,371 |
| Cost of funding earning assets | 0.7775% | 3,275 |
| Net interest margin | 3.8437% | 1,534 |
| Noninterest income to average assets | 1.5500% | 310 |
| Noninterest expense to average assets | 3.3510% | 646 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3144% | 1,531 |
| Return on assets (ROA) | 1.0705% | 2,201 |
| Pretax return on assets | 1.3676% | 1,893 |
| Return on Equity (ROE) | 13.8600% | 1,712 |
| Retained earnings to average equity (ytd only) | 6.7374% | 2,371 |
| Net charge-offs to loans | 0.0197% | 1,499 |
| Credit loss provision to net charge-offs | 581.5534% | 594 |
| Earnings coverage of net charge-offs (x) | 136.9417% | 787 |
| Efficiency ratio | 65.6829% | 2,283 |
| Assets per employee ($millions) | 5.5750% | 3,085 |
| Cash dividends to net income (ytd only)* | 51.3915% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 3,703 |
| Loan loss allowance to noncurrent loans | 274.8947% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,088 |
| Noncurrent loans to loans | 0.3362% | 1,922 |
| Net loans and leases to total assets | 65.1400% | 2,260 |
| Net loans and leases to deposits | 76.5502% | 2,255 |
| Net loans and leases to core deposits | 84.2112% | 2,197 |
| Total domestic deposits to total assets | 85.0900% | 2,520 |
| Equity capital to assets | 7.8227% | 3,335 |
| Core capital (leverage) ratio | 10.2562% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6614% | 1,668 |
| Memoranda: | ||
| Average total assets | $1,611,272,667 | 670 |
| Average earning assets | $1,488,131,667 | 663 |
| Average equity | $124,440,333 | 783 |
| Average total loans | $1,047,797,000 | 687 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 2,270 |
| Cost of funding earning assets | 0.5963% | 3,396 |
| Net interest margin | 3.9225% | 1,427 |
| Noninterest income to average assets | 1.5100% | 329 |
| Noninterest expense to average assets | 3.3630% | 641 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3528% | 1,539 |
| Return on assets (ROA) | 0.8649% | 2,923 |
| Pretax return on assets | 1.0967% | 2,715 |
| Return on Equity (ROE) | 11.2700% | 2,418 |
| Retained earnings to average equity (ytd only) | 4.1540% | 3,227 |
| Net charge-offs to loans | 0.0322% | 1,071 |
| Credit loss provision to net charge-offs | 266.6667% | 730 |
| Earnings coverage of net charge-offs (x) | 84.8810% | 869 |
| Efficiency ratio | 65.5172% | 2,266 |
| Assets per employee ($millions) | 5.4682% | 3,247 |
| Cash dividends to net income (ytd only)* | 63.1458% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 3,818 |
| Loan loss allowance to noncurrent loans | 263.9133% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 1,981 |
| Noncurrent loans to loans | 0.3466% | 1,902 |
| Net loans and leases to total assets | 65.0200% | 2,152 |
| Net loans and leases to deposits | 73.6175% | 2,325 |
| Net loans and leases to core deposits | 78.1006% | 2,381 |
| Total domestic deposits to total assets | 88.3200% | 1,805 |
| Equity capital to assets | 8.0172% | 3,231 |
| Core capital (leverage) ratio | 10.1158% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1650% | 1,922 |
| Memoranda: | ||
| Average total assets | $1,611,315,500 | 683 |
| Average earning assets | $1,486,497,000 | 675 |
| Average equity | $123,641,000 | 797 |
| Average total loans | $1,042,053,500 | 702 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 2,922 |
| Cost of funding earning assets | 0.1828% | 3,886 |
| Net interest margin | 3.3744% | 2,334 |
| Noninterest income to average assets | 1.6200% | 317 |
| Noninterest expense to average assets | 3.3529% | 578 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0312% | 2,454 |
| Return on assets (ROA) | 1.0312% | 2,393 |
| Pretax return on assets | 1.2985% | 2,092 |
| Return on Equity (ROE) | 12.9700% | 1,824 |
| Retained earnings to average equity (ytd only) | 8.2313% | 1,746 |
| Net charge-offs to loans | 0.0348% | 1,383 |
| Credit loss provision to net charge-offs | 442.0420% | 732 |
| Earnings coverage of net charge-offs (x) | 68.8228% | 1,169 |
| Efficiency ratio | 70.7279% | 1,592 |
| Assets per employee ($millions) | 5.5685% | 3,153 |
| Cash dividends to net income (ytd only)* | 36.5393% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,278 |
| Loan loss allowance to noncurrent loans | 281.4914% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 1,994 |
| Noncurrent loans to loans | 0.3610% | 1,845 |
| Net loans and leases to total assets | 63.0900% | 2,321 |
| Net loans and leases to deposits | 71.1628% | 2,473 |
| Net loans and leases to core deposits | 73.1425% | 2,635 |
| Total domestic deposits to total assets | 88.6500% | 1,826 |
| Equity capital to assets | 7.3333% | 3,469 |
| Core capital (leverage) ratio | 9.6788% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9301% | 2,002 |
| Memoranda: | ||
| Average total assets | $1,651,552,600 | 652 |
| Average earning assets | $1,529,757,400 | 644 |
| Average equity | $131,304,000 | 743 |
| Average total loans | $955,722,200 | 714 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 3,224 |
| Cost of funding earning assets | 0.1561% | 3,775 |
| Net interest margin | 3.1274% | 2,837 |
| Noninterest income to average assets | 1.7000% | 316 |
| Noninterest expense to average assets | 3.2586% | 629 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0128% | 2,435 |
| Return on assets (ROA) | 1.0128% | 2,403 |
| Pretax return on assets | 1.2729% | 2,132 |
| Return on Equity (ROE) | 12.5000% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.5472% | 2,168 |
| Net charge-offs to loans | 0.0305% | 1,228 |
| Credit loss provision to net charge-offs | 415.4206% | 689 |
| Earnings coverage of net charge-offs (x) | 78.1776% | 1,055 |
| Efficiency ratio | 70.7946% | 1,670 |
| Assets per employee ($millions) | 5.7385% | 2,998 |
| Cash dividends to net income (ytd only)* | 39.6303% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,500 |
| Loan loss allowance to noncurrent loans | 270.4962% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 2,129 |
| Noncurrent loans to loans | 0.3686% | 1,921 |
| Net loans and leases to total assets | 59.4300% | 2,567 |
| Net loans and leases to deposits | 66.2807% | 2,694 |
| Net loans and leases to core deposits | 67.9891% | 2,804 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 7.0047% | 3,518 |
| Core capital (leverage) ratio | 9.4348% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0811% | 2,031 |
| Memoranda: | ||
| Average total assets | $1,659,331,000 | 657 |
| Average earning assets | $1,539,883,250 | 646 |
| Average equity | $134,422,250 | 742 |
| Average total loans | $936,448,000 | 726 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0288% | 3,481 |
| Cost of funding earning assets | 0.1468% | 3,619 |
| Net interest margin | 2.8820% | 3,214 |
| Noninterest income to average assets | 1.7382% | 277 |
| Noninterest expense to average assets | 3.2967% | 553 |
| Loan and lease loss provision to assets | 0.0582% | 1,542 |
| Net operating income to assets | 0.8536% | 2,761 |
| Return on assets (ROA) | 0.8536% | 2,738 |
| Pretax return on assets | 1.0662% | 2,526 |
| Return on Equity (ROE) | 10.0767% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.6593% | 2,831 |
| Net charge-offs to loans | 0.0103% | 1,601 |
| Credit loss provision to net charge-offs | 1,023.4043% | 394 |
| Earnings coverage of net charge-offs (x) | 197.8298% | 543 |
| Efficiency ratio | 74.5678% | 1,446 |
| Assets per employee ($millions) | 5.5869% | 3,135 |
| Cash dividends to net income (ytd only)* | 53.7612% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,521 |
| Loan loss allowance to noncurrent loans | 272.9782% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,246 |
| Noncurrent loans to loans | 0.3732% | 2,026 |
| Net loans and leases to total assets | 56.7384% | 2,675 |
| Net loans and leases to deposits | 63.6002% | 2,757 |
| Net loans and leases to core deposits | 65.2915% | 2,875 |
| Total domestic deposits to total assets | 89.2111% | 2,084 |
| Equity capital to assets | 7.5055% | 3,474 |
| Core capital (leverage) ratio | 9.3206% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5009% | 1,862 |
| Memoranda: | ||
| Average total assets | $1,653,898,667 | 654 |
| Average earning assets | $1,539,638,667 | 647 |
| Average equity | $140,105,667 | 719 |
| Average total loans | $913,303,333 | 725 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9561% | 3,382 |
| Cost of funding earning assets | 0.1537% | 3,447 |
| Net interest margin | 2.8024% | 3,133 |
| Noninterest income to average assets | 1.7156% | 295 |
| Noninterest expense to average assets | 3.2111% | 594 |
| Loan and lease loss provision to assets | 0.0173% | 2,043 |
| Net operating income to assets | 0.8838% | 2,342 |
| Return on assets (ROA) | 0.8838% | 2,341 |
| Pretax return on assets | 1.1018% | 2,137 |
| Return on Equity (ROE) | 9.8601% | 2,017 |
| Retained earnings to average equity (ytd only) | 3.8843% | 2,975 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1565% | 1,725 |
| Assets per employee ($millions) | 5.7509% | 3,055 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,497 |
| Loan loss allowance to noncurrent loans | 284.8595% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 2,438 |
| Noncurrent loans to loans | 0.3715% | 2,154 |
| Net loans and leases to total assets | 53.0212% | 2,874 |
| Net loans and leases to deposits | 59.9377% | 2,909 |
| Net loans and leases to core deposits | 61.1641% | 3,046 |
| Total domestic deposits to total assets | 88.4606% | 2,312 |
| Equity capital to assets | 8.3516% | 3,284 |
| Core capital (leverage) ratio | 9.4749% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6404% | 1,604 |
| Memoranda: | ||
| Average total assets | $1,642,816,500 | 659 |
| Average earning assets | $1,532,693,000 | 650 |
| Average equity | $147,260,000 | 720 |
| Average total loans | $889,574,500 | 735 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 3,358 |
| Cost of funding earning assets | 0.2015% | 3,450 |
| Net interest margin | 3.0427% | 3,068 |
| Noninterest income to average assets | 1.6001% | 437 |
| Noninterest expense to average assets | 3.2436% | 683 |
| Loan and lease loss provision to assets | -0.0747% | 4,464 |
| Net operating income to assets | 1.0163% | 2,608 |
| Return on assets (ROA) | 1.0163% | 2,685 |
| Pretax return on assets | 1.2720% | 2,454 |
| Return on Equity (ROE) | 10.2715% | 2,421 |
| Retained earnings to average equity (ytd only) | 5.4654% | 2,583 |
| Net charge-offs to loans | -0.0664% | 4,438 |
| Credit loss provision to net charge-offs | 190.6557% | 1,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0393% | 1,409 |
| Assets per employee ($millions) | 5.4302% | 3,326 |
| Cash dividends to net income (ytd only)* | 46.7905% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,560 |
| Loan loss allowance to noncurrent loans | 289.6285% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 2,569 |
| Noncurrent loans to loans | 0.3635% | 2,283 |
| Net loans and leases to total assets | 54.1474% | 2,833 |
| Net loans and leases to deposits | 62.1612% | 2,866 |
| Net loans and leases to core deposits | 63.5221% | 3,029 |
| Total domestic deposits to total assets | 87.1081% | 2,473 |
| Equity capital to assets | 9.5906% | 3,052 |
| Core capital (leverage) ratio | 9.4953% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1861% | 1,456 |
| Memoranda: | ||
| Average total assets | $1,557,363,200 | 666 |
| Average earning assets | $1,453,996,600 | 660 |
| Average equity | $154,096,800 | 697 |
| Average total loans | $918,193,800 | 711 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 3,325 |
| Cost of funding earning assets | 0.2143% | 3,471 |
| Net interest margin | 3.1103% | 3,027 |
| Noninterest income to average assets | 1.5535% | 515 |
| Noninterest expense to average assets | 3.1593% | 761 |
| Loan and lease loss provision to assets | -0.0747% | 4,534 |
| Net operating income to assets | 1.0943% | 2,577 |
| Return on assets (ROA) | 1.0943% | 2,635 |
| Pretax return on assets | 1.3715% | 2,434 |
| Return on Equity (ROE) | 10.9706% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.5458% | 3,391 |
| Net charge-offs to loans | 0.0118% | 1,889 |
| Credit loss provision to net charge-offs | -1,052.4390% | 3,867 |
| Earnings coverage of net charge-offs (x) | 182.7561% | 590 |
| Efficiency ratio | 70.8987% | 1,503 |
| Assets per employee ($millions) | 5.2623% | 3,443 |
| Cash dividends to net income (ytd only)* | 58.5640% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,865 |
| Loan loss allowance to noncurrent loans | 331.4719% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,005 |
| Noncurrent loans to loans | 0.3004% | 2,718 |
| Net loans and leases to total assets | 55.1606% | 2,832 |
| Net loans and leases to deposits | 63.0887% | 2,946 |
| Net loans and leases to core deposits | 64.4729% | 3,088 |
| Total domestic deposits to total assets | 87.4334% | 2,145 |
| Equity capital to assets | 9.6408% | 3,259 |
| Core capital (leverage) ratio | 9.3944% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9159% | 1,642 |
| Memoranda: | ||
| Average total assets | $1,540,797,750 | 681 |
| Average earning assets | $1,437,873,750 | 672 |
| Average equity | $153,692,000 | 710 |
| Average total loans | $925,615,750 | 720 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 3,003 |
| Cost of funding earning assets | 0.2150% | 3,601 |
| Net interest margin | 3.2458% | 2,615 |
| Noninterest income to average assets | 1.5717% | 502 |
| Noninterest expense to average assets | 3.1790% | 741 |
| Loan and lease loss provision to assets | -0.0898% | 4,605 |
| Net operating income to assets | 1.1985% | 2,201 |
| Return on assets (ROA) | 1.1985% | 2,268 |
| Pretax return on assets | 1.5062% | 1,995 |
| Return on Equity (ROE) | 11.8740% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.9069% | 2,464 |
| Net charge-offs to loans | -0.0128% | 3,783 |
| Credit loss provision to net charge-offs | 1,135.0000% | 437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1789% | 1,739 |
| Assets per employee ($millions) | 5.0751% | 3,590 |
| Cash dividends to net income (ytd only)* | 41.8318% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,680 |
| Loan loss allowance to noncurrent loans | 274.9260% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,884 |
| Noncurrent loans to loans | 0.3779% | 2,539 |
| Net loans and leases to total assets | 55.3319% | 2,976 |
| Net loans and leases to deposits | 63.3850% | 3,065 |
| Net loans and leases to core deposits | 64.8058% | 3,207 |
| Total domestic deposits to total assets | 87.2950% | 2,173 |
| Equity capital to assets | 9.7858% | 3,072 |
| Core capital (leverage) ratio | 9.7200% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1729% | 1,568 |
| Memoranda: | ||
| Average total assets | $1,515,891,667 | 682 |
| Average earning assets | $1,412,084,000 | 678 |
| Average equity | $153,006,667 | 709 |
| Average total loans | $934,124,000 | 719 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 2,996 |
| Cost of funding earning assets | 0.2175% | 3,751 |
| Net interest margin | 3.2577% | 2,523 |
| Noninterest income to average assets | 1.5929% | 552 |
| Noninterest expense to average assets | 3.2906% | 618 |
| Loan and lease loss provision to assets | -0.1234% | 4,746 |
| Net operating income to assets | 1.1616% | 2,292 |
| Return on assets (ROA) | 1.1616% | 2,361 |
| Pretax return on assets | 1.4570% | 2,118 |
| Return on Equity (ROE) | 11.3214% | 2,261 |
| Retained earnings to average equity (ytd only) | 1.2744% | 4,163 |
| Net charge-offs to loans | -0.0331% | 4,218 |
| Credit loss provision to net charge-offs | 575.9494% | 565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1604% | 1,589 |
| Assets per employee ($millions) | 5.0009% | 3,654 |
| Cash dividends to net income (ytd only)* | 88.7436% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,826 |
| Loan loss allowance to noncurrent loans | 267.3023% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,931 |
| Noncurrent loans to loans | 0.3751% | 2,749 |
| Net loans and leases to total assets | 61.3054% | 2,362 |
| Net loans and leases to deposits | 70.2878% | 2,477 |
| Net loans and leases to core deposits | 72.0986% | 2,694 |
| Total domestic deposits to total assets | 87.2206% | 2,212 |
| Equity capital to assets | 9.7690% | 2,932 |
| Core capital (leverage) ratio | 10.1099% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6250% | 1,694 |
| Memoranda: | ||
| Average total assets | $1,474,503,500 | 690 |
| Average earning assets | $1,371,995,500 | 684 |
| Average equity | $151,289,000 | 706 |
| Average total loans | $954,255,500 | 701 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,053 |
| Cost of funding earning assets | 0.2819% | 4,236 |
| Net interest margin | 3.6083% | 2,117 |
| Noninterest income to average assets | 1.5146% | 530 |
| Noninterest expense to average assets | 3.6086% | 591 |
| Loan and lease loss provision to assets | 0.3182% | 1,162 |
| Net operating income to assets | 0.7431% | 3,284 |
| Return on assets (ROA) | 0.9048% | 2,811 |
| Pretax return on assets | 1.1058% | 2,669 |
| Return on Equity (ROE) | 8.1727% | 2,749 |
| Retained earnings to average equity (ytd only) | 3.1120% | 3,287 |
| Net charge-offs to loans | 0.1107% | 1,365 |
| Credit loss provision to net charge-offs | 413.0941% | 1,405 |
| Earnings coverage of net charge-offs (x) | 15.9282% | 2,153 |
| Efficiency ratio | 74.6292% | 1,372 |
| Assets per employee ($millions) | 4.5458% | 3,875 |
| Cash dividends to net income (ytd only)* | 61.9221% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,741 |
| Loan loss allowance to noncurrent loans | 263.6509% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 2,917 |
| Noncurrent loans to loans | 0.3924% | 2,802 |
| Net loans and leases to total assets | 67.0469% | 1,948 |
| Net loans and leases to deposits | 77.5195% | 2,120 |
| Net loans and leases to core deposits | 79.5390% | 2,403 |
| Total domestic deposits to total assets | 86.4904% | 2,154 |
| Equity capital to assets | 10.7939% | 2,436 |
| Core capital (leverage) ratio | 10.0370% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8526% | 1,583 |
| Memoranda: | ||
| Average total assets | $1,338,636,400 | 685 |
| Average earning assets | $1,231,965,000 | 682 |
| Average equity | $148,200,000 | 685 |
| Average total loans | $931,022,200 | 690 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 3,163 |
| Cost of funding earning assets | 0.2865% | 4,363 |
| Net interest margin | 3.6445% | 2,110 |
| Noninterest income to average assets | 1.4972% | 524 |
| Noninterest expense to average assets | 3.4691% | 733 |
| Loan and lease loss provision to assets | 0.3495% | 1,082 |
| Net operating income to assets | 0.8347% | 2,965 |
| Return on assets (ROA) | 1.0124% | 2,423 |
| Pretax return on assets | 1.2418% | 2,261 |
| Return on Equity (ROE) | 9.0838% | 2,366 |
| Retained earnings to average equity (ytd only) | 2.2859% | 3,830 |
| Net charge-offs to loans | 0.0358% | 2,119 |
| Credit loss provision to net charge-offs | 1,395.1613% | 654 |
| Earnings coverage of net charge-offs (x) | 54.8710% | 1,146 |
| Efficiency ratio | 71.6198% | 1,689 |
| Assets per employee ($millions) | 4.7322% | 3,561 |
| Cash dividends to net income (ytd only)* | 74.8354% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,664 |
| Loan loss allowance to noncurrent loans | 277.9432% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,169 |
| Noncurrent loans to loans | 0.3635% | 2,983 |
| Net loans and leases to total assets | 66.5032% | 2,445 |
| Net loans and leases to deposits | 81.5133% | 2,146 |
| Net loans and leases to core deposits | 83.6405% | 2,513 |
| Total domestic deposits to total assets | 81.5857% | 3,522 |
| Equity capital to assets | 10.3674% | 2,903 |
| Core capital (leverage) ratio | 10.0977% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1820% | 1,769 |
| Memoranda: | ||
| Average total assets | $1,319,860,250 | 678 |
| Average earning assets | $1,211,965,750 | 680 |
| Average equity | $147,100,500 | 678 |
| Average total loans | $924,333,250 | 686 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 3,073 |
| Cost of funding earning assets | 0.2978% | 4,491 |
| Net interest margin | 3.7945% | 1,850 |
| Noninterest income to average assets | 1.4721% | 482 |
| Noninterest expense to average assets | 3.5432% | 708 |
| Loan and lease loss provision to assets | 0.4612% | 830 |
| Net operating income to assets | 0.7799% | 3,110 |
| Return on assets (ROA) | 0.8394% | 3,018 |
| Pretax return on assets | 1.0142% | 2,984 |
| Return on Equity (ROE) | 7.3365% | 2,994 |
| Retained earnings to average equity (ytd only) | -2.9541% | 4,650 |
| Net charge-offs to loans | 0.0408% | 1,925 |
| Credit loss provision to net charge-offs | 1,588.1081% | 581 |
| Earnings coverage of net charge-offs (x) | 48.3297% | 1,125 |
| Efficiency ratio | 71.6258% | 1,746 |
| Assets per employee ($millions) | 4.4806% | 3,812 |
| Cash dividends to net income (ytd only)* | 140.2656% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,736 |
| Loan loss allowance to noncurrent loans | 235.8840% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 3,201 |
| Noncurrent loans to loans | 0.4093% | 2,937 |
| Net loans and leases to total assets | 67.9169% | 2,370 |
| Net loans and leases to deposits | 83.5743% | 2,035 |
| Net loans and leases to core deposits | 85.7781% | 2,455 |
| Total domestic deposits to total assets | 81.2653% | 3,548 |
| Equity capital to assets | 10.3634% | 2,870 |
| Core capital (leverage) ratio | 10.3221% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6412% | 1,942 |
| Memoranda: | ||
| Average total assets | $1,273,972,333 | 680 |
| Average earning assets | $1,166,649,667 | 688 |
| Average equity | $145,764,667 | 675 |
| Average total loans | $906,047,000 | 689 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 2,357 |
| Cost of funding earning assets | 0.3344% | 4,564 |
| Net interest margin | 4.1487% | 1,026 |
| Noninterest income to average assets | 1.5335% | 378 |
| Noninterest expense to average assets | 3.7693% | 647 |
| Loan and lease loss provision to assets | 0.5076% | 578 |
| Net operating income to assets | 0.8620% | 2,649 |
| Return on assets (ROA) | 0.8620% | 2,754 |
| Pretax return on assets | 1.0373% | 2,710 |
| Return on Equity (ROE) | 7.1345% | 2,887 |
| Retained earnings to average equity (ytd only) | -13.5813% | 4,866 |
| Net charge-offs to loans | 0.0409% | 1,627 |
| Credit loss provision to net charge-offs | 1,708.9888% | 381 |
| Earnings coverage of net charge-offs (x) | 52.0112% | 872 |
| Efficiency ratio | 70.9288% | 2,232 |
| Assets per employee ($millions) | 3.9105% | 4,034 |
| Cash dividends to net income (ytd only)* | 290.3600% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 4,059 |
| Loan loss allowance to noncurrent loans | 202.8000% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 3,157 |
| Noncurrent loans to loans | 0.4511% | 2,898 |
| Net loans and leases to total assets | 70.6529% | 2,141 |
| Net loans and leases to deposits | 88.8712% | 1,657 |
| Net loans and leases to core deposits | 91.3533% | 2,220 |
| Total domestic deposits to total assets | 79.5004% | 3,956 |
| Equity capital to assets | 11.5318% | 2,413 |
| Core capital (leverage) ratio | 11.4840% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4792% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,198,540,500 | 694 |
| Average earning assets | $1,092,188,500 | 703 |
| Average equity | $144,816,500 | 674 |
| Average total loans | $870,502,000 | 691 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 2,120 |
| Cost of funding earning assets | 0.2812% | 4,771 |
| Net interest margin | 4.4940% | 721 |
| Noninterest income to average assets | 1.5384% | 394 |
| Noninterest expense to average assets | 3.9430% | 567 |
| Loan and lease loss provision to assets | 0.0758% | 2,478 |
| Net operating income to assets | 1.3182% | 1,624 |
| Return on assets (ROA) | 1.3344% | 1,646 |
| Pretax return on assets | 1.6362% | 1,384 |
| Return on Equity (ROE) | 10.5585% | 2,060 |
| Retained earnings to average equity (ytd only) | 1.6619% | 4,139 |
| Net charge-offs to loans | 0.0753% | 2,015 |
| Credit loss provision to net charge-offs | 137.4204% | 1,873 |
| Earnings coverage of net charge-offs (x) | 30.6736% | 1,559 |
| Efficiency ratio | 69.9719% | 2,177 |
| Assets per employee ($millions) | 3.5385% | 4,444 |
| Cash dividends to net income (ytd only)* | 84.2604% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,361 |
| Loan loss allowance to noncurrent loans | 188.0101% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 3,194 |
| Noncurrent loans to loans | 0.4159% | 2,956 |
| Net loans and leases to total assets | 73.4794% | 1,843 |
| Net loans and leases to deposits | 87.4995% | 1,913 |
| Net loans and leases to core deposits | 91.0873% | 2,314 |
| Total domestic deposits to total assets | 83.9769% | 2,852 |
| Equity capital to assets | 12.6767% | 1,720 |
| Core capital (leverage) ratio | 11.6146% | 2,029 |
| Tier 1 risk-based capital ratio | 15.0880% | 2,749 |
| Total risk-based capital ratio | 15.7948% | 2,903 |
| Memoranda: | ||
| Average total assets | $1,138,386,600 | 694 |
| Average earning assets | $1,037,755,200 | 703 |
| Average equity | $143,874,200 | 651 |
| Average total loans | $833,690,000 | 690 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,250 |
| Cost of funding earning assets | 0.2418% | 4,938 |
| Net interest margin | 4.5165% | 742 |
| Noninterest income to average assets | 1.5261% | 393 |
| Noninterest expense to average assets | 3.8731% | 608 |
| Loan and lease loss provision to assets | 0.0796% | 2,316 |
| Net operating income to assets | 1.3836% | 1,519 |
| Return on assets (ROA) | 1.4053% | 1,514 |
| Pretax return on assets | 1.7217% | 1,277 |
| Return on Equity (ROE) | 11.1281% | 1,967 |
| Retained earnings to average equity (ytd only) | 3.8700% | 3,467 |
| Net charge-offs to loans | 0.0875% | 1,597 |
| Credit loss provision to net charge-offs | 124.4485% | 1,892 |
| Earnings coverage of net charge-offs (x) | 27.7609% | 1,701 |
| Efficiency ratio | 68.5774% | 2,327 |
| Assets per employee ($millions) | 3.6362% | 4,352 |
| Cash dividends to net income (ytd only)* | 65.2229% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 4,479 |
| Loan loss allowance to noncurrent loans | 201.9030% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,476 |
| Noncurrent loans to loans | 0.3834% | 3,181 |
| Net loans and leases to total assets | 69.0227% | 2,621 |
| Net loans and leases to deposits | 87.4091% | 2,010 |
| Net loans and leases to core deposits | 90.8573% | 2,480 |
| Total domestic deposits to total assets | 78.9651% | 4,194 |
| Equity capital to assets | 12.1708% | 2,136 |
| Core capital (leverage) ratio | 12.6592% | 1,500 |
| Tier 1 risk-based capital ratio | 15.3018% | 2,712 |
| Total risk-based capital ratio | 15.9991% | 2,897 |
| Memoranda: | ||
| Average total assets | $1,134,599,250 | 698 |
| Average earning assets | $1,035,404,750 | 701 |
| Average equity | $143,285,250 | 648 |
| Average total loans | $828,539,750 | 697 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,891 |
| Cost of funding earning assets | 0.2163% | 5,038 |
| Net interest margin | 4.6397% | 565 |
| Noninterest income to average assets | 1.4970% | 400 |
| Noninterest expense to average assets | 3.9524% | 570 |
| Loan and lease loss provision to assets | 0.0461% | 2,897 |
| Net operating income to assets | 1.4238% | 1,366 |
| Return on assets (ROA) | 1.4581% | 1,326 |
| Pretax return on assets | 1.7808% | 1,085 |
| Return on Equity (ROE) | 11.3937% | 1,829 |
| Retained earnings to average equity (ytd only) | 0.3675% | 4,600 |
| Net charge-offs to loans | 0.0387% | 2,112 |
| Credit loss provision to net charge-offs | 160.3774% | 1,424 |
| Earnings coverage of net charge-offs (x) | 62.0629% | 962 |
| Efficiency ratio | 68.8864% | 2,393 |
| Assets per employee ($millions) | 3.3488% | 4,662 |
| Cash dividends to net income (ytd only)* | 96.7742% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,502 |
| Loan loss allowance to noncurrent loans | 216.0885% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,469 |
| Noncurrent loans to loans | 0.3622% | 3,231 |
| Net loans and leases to total assets | 74.3510% | 1,831 |
| Net loans and leases to deposits | 91.1997% | 1,597 |
| Net loans and leases to core deposits | 93.0169% | 2,325 |
| Total domestic deposits to total assets | 81.5255% | 3,657 |
| Equity capital to assets | 12.9357% | 1,615 |
| Core capital (leverage) ratio | 12.5643% | 1,502 |
| Tier 1 risk-based capital ratio | 15.0497% | 2,818 |
| Total risk-based capital ratio | 15.7506% | 2,989 |
| Memoranda: | ||
| Average total assets | $1,105,549,670 | 720 |
| Average earning assets | $1,010,458,330 | 717 |
| Average equity | $141,481,670 | 650 |
| Average total loans | $821,432,330 | 699 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 1,798 |
| Cost of funding earning assets | 0.2110% | 5,094 |
| Net interest margin | 4.6263% | 576 |
| Noninterest income to average assets | 1.4132% | 429 |
| Noninterest expense to average assets | 3.9184% | 589 |
| Loan and lease loss provision to assets | 0.0647% | 2,371 |
| Net operating income to assets | 1.3629% | 1,479 |
| Return on assets (ROA) | 1.4318% | 1,320 |
| Pretax return on assets | 1.7439% | 1,105 |
| Return on Equity (ROE) | 11.2495% | 1,843 |
| Retained earnings to average equity (ytd only) | -8.1659% | 5,037 |
| Net charge-offs to loans | 0.0305% | 1,845 |
| Credit loss provision to net charge-offs | 287.0968% | 852 |
| Earnings coverage of net charge-offs (x) | 76.5484% | 789 |
| Efficiency ratio | 69.4378% | 2,435 |
| Assets per employee ($millions) | 3.3223% | 4,721 |
| Cash dividends to net income (ytd only)* | 172.5888% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,534 |
| Loan loss allowance to noncurrent loans | 234.1542% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 3,597 |
| Noncurrent loans to loans | 0.3401% | 3,361 |
| Net loans and leases to total assets | 73.6599% | 1,871 |
| Net loans and leases to deposits | 89.3433% | 1,708 |
| Net loans and leases to core deposits | 91.7707% | 2,319 |
| Total domestic deposits to total assets | 82.4459% | 3,605 |
| Equity capital to assets | 12.5275% | 1,723 |
| Core capital (leverage) ratio | 12.5205% | 1,502 |
| Tier 1 risk-based capital ratio | 14.8336% | 2,946 |
| Total risk-based capital ratio | 15.5423% | 3,125 |
| Memoranda: | ||
| Average total assets | $1,100,743,000 | 721 |
| Average earning assets | $1,006,417,000 | 724 |
| Average equity | $140,095,500 | 655 |
| Average total loans | $814,310,500 | 709 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 2,370 |
| Cost of funding earning assets | 0.1356% | 5,214 |
| Net interest margin | 4.3940% | 951 |
| Noninterest income to average assets | 1.4729% | 421 |
| Noninterest expense to average assets | 3.8206% | 663 |
| Loan and lease loss provision to assets | 0.0720% | 2,694 |
| Net operating income to assets | 1.3218% | 1,712 |
| Return on assets (ROA) | 1.3229% | 1,698 |
| Pretax return on assets | 1.5895% | 1,500 |
| Return on Equity (ROE) | 10.7350% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.4051% | 1,501 |
| Net charge-offs to loans | 0.0911% | 1,862 |
| Credit loss provision to net charge-offs | 111.1111% | 2,323 |
| Earnings coverage of net charge-offs (x) | 25.6048% | 1,763 |
| Efficiency ratio | 69.7093% | 2,237 |
| Assets per employee ($millions) | 3.2690% | 4,768 |
| Cash dividends to net income (ytd only)* | 31.0195% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 4,530 |
| Loan loss allowance to noncurrent loans | 194.4780% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 3,344 |
| Noncurrent loans to loans | 0.4118% | 3,056 |
| Net loans and leases to total assets | 73.1107% | 2,078 |
| Net loans and leases to deposits | 90.8245% | 1,694 |
| Net loans and leases to core deposits | 92.9794% | 2,320 |
| Total domestic deposits to total assets | 80.4967% | 3,996 |
| Equity capital to assets | 12.9305% | 1,381 |
| Core capital (leverage) ratio | 12.7595% | 1,338 |
| Tier 1 risk-based capital ratio | 15.2143% | 2,733 |
| Total risk-based capital ratio | 15.9137% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,096,575,200 | 701 |
| Average earning assets | $1,000,235,200 | 705 |
| Average equity | $135,137,000 | 642 |
| Average total loans | $780,534,000 | 715 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 2,474 |
| Cost of funding earning assets | 0.1277% | 5,284 |
| Net interest margin | 4.3183% | 1,081 |
| Noninterest income to average assets | 1.4110% | 479 |
| Noninterest expense to average assets | 3.7356% | 726 |
| Loan and lease loss provision to assets | 0.0452% | 3,087 |
| Net operating income to assets | 1.3078% | 1,824 |
| Return on assets (ROA) | 1.3128% | 1,814 |
| Pretax return on assets | 1.5757% | 1,649 |
| Return on Equity (ROE) | 10.7851% | 2,268 |
| Retained earnings to average equity (ytd only) | 6.2950% | 2,493 |
| Net charge-offs to loans | 0.0763% | 1,763 |
| Credit loss provision to net charge-offs | 83.9729% | 2,485 |
| Earnings coverage of net charge-offs (x) | 30.0114% | 1,610 |
| Efficiency ratio | 69.8198% | 2,225 |
| Assets per employee ($millions) | 3.2802% | 4,792 |
| Cash dividends to net income (ytd only)* | 41.6320% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,625 |
| Loan loss allowance to noncurrent loans | 160.6277% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 3,246 |
| Noncurrent loans to loans | 0.4970% | 2,902 |
| Net loans and leases to total assets | 71.1802% | 2,467 |
| Net loans and leases to deposits | 87.2785% | 2,238 |
| Net loans and leases to core deposits | 89.3877% | 2,710 |
| Total domestic deposits to total assets | 81.5552% | 3,721 |
| Equity capital to assets | 12.3981% | 1,647 |
| Core capital (leverage) ratio | 12.2946% | 1,620 |
| Tier 1 risk-based capital ratio | 15.0592% | 2,858 |
| Total risk-based capital ratio | 15.7540% | 3,038 |
| Memoranda: | ||
| Average total assets | $1,097,756,750 | 698 |
| Average earning assets | $1,001,443,250 | 703 |
| Average equity | $133,626,000 | 643 |
| Average total loans | $774,491,750 | 716 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 2,583 |
| Cost of funding earning assets | 0.1222% | 5,336 |
| Net interest margin | 4.2291% | 1,214 |
| Noninterest income to average assets | 1.4037% | 480 |
| Noninterest expense to average assets | 3.6822% | 783 |
| Loan and lease loss provision to assets | 0.0477% | 2,953 |
| Net operating income to assets | 1.2804% | 1,854 |
| Return on assets (ROA) | 1.2880% | 1,824 |
| Pretax return on assets | 1.5438% | 1,670 |
| Return on Equity (ROE) | 10.6467% | 2,260 |
| Retained earnings to average equity (ytd only) | 3.8673% | 3,671 |
| Net charge-offs to loans | 0.0912% | 1,433 |
| Credit loss provision to net charge-offs | 74.6439% | 2,312 |
| Earnings coverage of net charge-offs (x) | 24.7379% | 1,665 |
| Efficiency ratio | 69.9415% | 2,323 |
| Assets per employee ($millions) | 3.3936% | 4,725 |
| Cash dividends to net income (ytd only)* | 63.6762% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 4,688 |
| Loan loss allowance to noncurrent loans | 146.2488% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 3,162 |
| Noncurrent loans to loans | 0.5485% | 2,773 |
| Net loans and leases to total assets | 69.9532% | 2,591 |
| Net loans and leases to deposits | 84.4934% | 2,481 |
| Net loans and leases to core deposits | 86.5531% | 2,872 |
| Total domestic deposits to total assets | 82.7914% | 3,471 |
| Equity capital to assets | 12.0416% | 1,831 |
| Core capital (leverage) ratio | 11.9956% | 1,718 |
| Tier 1 risk-based capital ratio | 14.7890% | 2,969 |
| Total risk-based capital ratio | 15.4886% | 3,162 |
| Memoranda: | ||
| Average total assets | $1,097,389,670 | 697 |
| Average earning assets | $1,001,863,330 | 702 |
| Average equity | $132,755,330 | 645 |
| Average total loans | $769,834,330 | 721 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,477 |
| Cost of funding earning assets | 0.1187% | 5,396 |
| Net interest margin | 4.1908% | 1,190 |
| Noninterest income to average assets | 1.3695% | 498 |
| Noninterest expense to average assets | 3.6073% | 862 |
| Loan and lease loss provision to assets | 0.0114% | 3,377 |
| Net operating income to assets | 1.3159% | 1,592 |
| Return on assets (ROA) | 1.3159% | 1,599 |
| Pretax return on assets | 1.5824% | 1,442 |
| Return on Equity (ROE) | 10.8525% | 2,028 |
| Retained earnings to average equity (ytd only) | -2.7509% | 5,064 |
| Net charge-offs to loans | 0.0126% | 2,302 |
| Credit loss provision to net charge-offs | 129.1667% | 1,343 |
| Earnings coverage of net charge-offs (x) | 181.1667% | 363 |
| Efficiency ratio | 69.3565% | 2,607 |
| Assets per employee ($millions) | 3.5330% | 4,628 |
| Cash dividends to net income (ytd only)* | 125.3482% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 4,701 |
| Loan loss allowance to noncurrent loans | 173.8881% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,480 |
| Noncurrent loans to loans | 0.4783% | 3,083 |
| Net loans and leases to total assets | 69.6115% | 2,542 |
| Net loans and leases to deposits | 83.2923% | 2,470 |
| Net loans and leases to core deposits | 85.4093% | 2,856 |
| Total domestic deposits to total assets | 83.5750% | 3,471 |
| Equity capital to assets | 11.9865% | 1,797 |
| Core capital (leverage) ratio | 11.8957% | 1,715 |
| Tier 1 risk-based capital ratio | 14.8964% | 2,924 |
| Total risk-based capital ratio | 15.6311% | 3,097 |
| Memoranda: | ||
| Average total assets | $1,091,229,500 | 702 |
| Average earning assets | $997,716,500 | 707 |
| Average equity | $132,319,500 | 646 |
| Average total loans | $763,474,000 | 725 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 2,724 |
| Cost of funding earning assets | 0.1787% | 5,106 |
| Net interest margin | 4.0115% | 1,713 |
| Noninterest income to average assets | 1.1644% | 760 |
| Noninterest expense to average assets | 3.4451% | 1,132 |
| Loan and lease loss provision to assets | -0.0460% | 5,387 |
| Net operating income to assets | 1.0078% | 2,208 |
| Return on assets (ROA) | 1.0078% | 2,244 |
| Pretax return on assets | 1.4052% | 1,971 |
| Return on Equity (ROE) | 8.5611% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.1741% | 1,016 |
| Net charge-offs to loans | 0.0908% | 2,179 |
| Credit loss provision to net charge-offs | -74.8892% | 4,680 |
| Earnings coverage of net charge-offs (x) | 22.1315% | 1,865 |
| Efficiency ratio | 71.7094% | 2,272 |
| Assets per employee ($millions) | 3.3459% | 4,887 |
| Cash dividends to net income (ytd only)* | 16.2016% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 4,710 |
| Loan loss allowance to noncurrent loans | 171.5441% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,461 |
| Noncurrent loans to loans | 0.4879% | 3,058 |
| Net loans and leases to total assets | 69.1500% | 2,656 |
| Net loans and leases to deposits | 83.0330% | 2,605 |
| Net loans and leases to core deposits | 85.3987% | 2,952 |
| Total domestic deposits to total assets | 83.2802% | 3,474 |
| Equity capital to assets | 12.2650% | 1,661 |
| Core capital (leverage) ratio | 11.6860% | 1,803 |
| Tier 1 risk-based capital ratio | 15.0938% | 2,803 |
| Total risk-based capital ratio | 15.8333% | 2,972 |
| Memoranda: | ||
| Average total assets | $1,102,367,000 | 675 |
| Average earning assets | $1,000,259,800 | 677 |
| Average equity | $129,772,800 | 636 |
| Average total loans | $745,190,600 | 703 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 2,816 |
| Cost of funding earning assets | 0.1911% | 5,048 |
| Net interest margin | 3.9538% | 1,848 |
| Noninterest income to average assets | 1.1653% | 754 |
| Noninterest expense to average assets | 3.3649% | 1,214 |
| Loan and lease loss provision to assets | -0.0489% | 5,525 |
| Net operating income to assets | 1.0749% | 2,201 |
| Return on assets (ROA) | 1.0749% | 2,252 |
| Pretax return on assets | 1.4389% | 1,973 |
| Return on Equity (ROE) | 9.2265% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.3628% | 1,509 |
| Net charge-offs to loans | 0.0541% | 2,368 |
| Credit loss provision to net charge-offs | -134.5515% | 4,554 |
| Earnings coverage of net charge-offs (x) | 38.2827% | 1,342 |
| Efficiency ratio | 70.7664% | 2,404 |
| Assets per employee ($millions) | 3.5115% | 4,719 |
| Cash dividends to net income (ytd only)* | 20.1997% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 4,504 |
| Loan loss allowance to noncurrent loans | 138.7954% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,272 |
| Noncurrent loans to loans | 0.6574% | 2,732 |
| Net loans and leases to total assets | 66.3484% | 3,061 |
| Net loans and leases to deposits | 82.2190% | 2,756 |
| Net loans and leases to core deposits | 84.8221% | 3,061 |
| Total domestic deposits to total assets | 80.6972% | 4,138 |
| Equity capital to assets | 11.8827% | 2,048 |
| Core capital (leverage) ratio | 11.5946% | 1,954 |
| Tier 1 risk-based capital ratio | 15.1065% | 2,878 |
| Total risk-based capital ratio | 15.9121% | 3,012 |
| Memoranda: | ||
| Average total assets | $1,105,270,750 | 672 |
| Average earning assets | $1,003,463,500 | 677 |
| Average equity | $128,770,750 | 645 |
| Average total loans | $741,333,000 | 707 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,815 |
| Cost of funding earning assets | 0.1883% | 5,078 |
| Net interest margin | 3.9160% | 1,874 |
| Noninterest income to average assets | 1.1190% | 799 |
| Noninterest expense to average assets | 3.4111% | 1,145 |
| Loan and lease loss provision to assets | -0.0340% | 5,587 |
| Net operating income to assets | 0.9865% | 2,494 |
| Return on assets (ROA) | 0.9865% | 2,542 |
| Pretax return on assets | 1.2982% | 2,391 |
| Return on Equity (ROE) | 8.5246% | 2,763 |
| Retained earnings to average equity (ytd only) | 5.6972% | 2,294 |
| Net charge-offs to loans | 0.0531% | 2,165 |
| Credit loss provision to net charge-offs | -95.4082% | 4,341 |
| Earnings coverage of net charge-offs (x) | 35.4847% | 1,352 |
| Efficiency ratio | 72.9598% | 2,192 |
| Assets per employee ($millions) | 3.5434% | 4,657 |
| Cash dividends to net income (ytd only)* | 33.1675% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 4,379 |
| Loan loss allowance to noncurrent loans | 152.4894% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 3,414 |
| Noncurrent loans to loans | 0.6279% | 2,848 |
| Net loans and leases to total assets | 67.0604% | 2,943 |
| Net loans and leases to deposits | 82.7831% | 2,620 |
| Net loans and leases to core deposits | 85.5466% | 2,928 |
| Total domestic deposits to total assets | 81.0074% | 4,180 |
| Equity capital to assets | 11.7635% | 2,105 |
| Core capital (leverage) ratio | 11.2842% | 2,144 |
| Tier 1 risk-based capital ratio | 14.9102% | 2,966 |
| Total risk-based capital ratio | 15.7661% | 3,082 |
| Memoranda: | ||
| Average total assets | $1,100,304,000 | 679 |
| Average earning assets | $999,226,000 | 685 |
| Average equity | $127,325,330 | 652 |
| Average total loans | $738,424,000 | 712 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 2,918 |
| Cost of funding earning assets | 0.1853% | 5,110 |
| Net interest margin | 3.8483% | 1,958 |
| Noninterest income to average assets | 1.0477% | 915 |
| Noninterest expense to average assets | 3.5194% | 1,015 |
| Loan and lease loss provision to assets | -0.0860% | 5,742 |
| Net operating income to assets | 0.8669% | 2,915 |
| Return on assets (ROA) | 0.8669% | 2,970 |
| Pretax return on assets | 1.1100% | 2,939 |
| Return on Equity (ROE) | 7.5546% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.5546% | 1,630 |
| Net charge-offs to loans | 0.0278% | 2,202 |
| Credit loss provision to net charge-offs | -462.7451% | 4,232 |
| Earnings coverage of net charge-offs (x) | 55.0980% | 848 |
| Efficiency ratio | 77.4623% | 1,704 |
| Assets per employee ($millions) | 3.5432% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 4,363 |
| Loan loss allowance to noncurrent loans | 202.6507% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 3,902 |
| Noncurrent loans to loans | 0.4862% | 3,347 |
| Net loans and leases to total assets | 65.8184% | 2,999 |
| Net loans and leases to deposits | 80.1668% | 2,730 |
| Net loans and leases to core deposits | 82.9831% | 2,997 |
| Total domestic deposits to total assets | 82.1018% | 4,146 |
| Equity capital to assets | 11.4925% | 2,185 |
| Core capital (leverage) ratio | 11.3411% | 2,071 |
| Tier 1 risk-based capital ratio | 15.1384% | 2,903 |
| Total risk-based capital ratio | 16.0260% | 3,001 |
| Memoranda: | ||
| Average total assets | $1,097,683,000 | 683 |
| Average earning assets | $997,121,500 | 690 |
| Average equity | $125,962,500 | 655 |
| Average total loans | $733,360,500 | 718 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,041 |
| Cost of funding earning assets | 0.2838% | 4,223 |
| Net interest margin | 3.7626% | 2,460 |
| Noninterest income to average assets | 1.2364% | 743 |
| Noninterest expense to average assets | 3.6850% | 902 |
| Loan and lease loss provision to assets | -0.1126% | 5,700 |
| Net operating income to assets | 0.8657% | 2,998 |
| Return on assets (ROA) | 0.8893% | 2,999 |
| Pretax return on assets | 1.1450% | 2,917 |
| Return on Equity (ROE) | 7.6935% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.0580% | 3,031 |
| Net charge-offs to loans | 0.1177% | 2,079 |
| Credit loss provision to net charge-offs | -144.7779% | 4,943 |
| Earnings coverage of net charge-offs (x) | 12.8836% | 2,412 |
| Efficiency ratio | 78.6190% | 1,607 |
| Assets per employee ($millions) | 3.4162% | 4,877 |
| Cash dividends to net income (ytd only)* | 47.2540% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 4,111 |
| Loan loss allowance to noncurrent loans | 197.3856% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 3,759 |
| Noncurrent loans to loans | 0.5243% | 3,279 |
| Net loans and leases to total assets | 66.4584% | 3,007 |
| Net loans and leases to deposits | 80.6783% | 2,822 |
| Net loans and leases to core deposits | 83.9849% | 3,027 |
| Total domestic deposits to total assets | 82.3746% | 3,970 |
| Equity capital to assets | 11.4577% | 2,204 |
| Core capital (leverage) ratio | 10.8767% | 2,463 |
| Tier 1 risk-based capital ratio | 14.8547% | 3,027 |
| Total risk-based capital ratio | 15.7779% | 3,122 |
| Memoranda: | ||
| Average total assets | $1,070,889,200 | 674 |
| Average earning assets | $982,130,000 | 675 |
| Average equity | $123,780,000 | 647 |
| Average total loans | $707,527,800 | 714 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,103 |
| Cost of funding earning assets | 0.2852% | 4,250 |
| Net interest margin | 3.7461% | 2,532 |
| Noninterest income to average assets | 1.2469% | 747 |
| Noninterest expense to average assets | 3.4724% | 1,200 |
| Loan and lease loss provision to assets | -0.1385% | 5,829 |
| Net operating income to assets | 1.0189% | 2,341 |
| Return on assets (ROA) | 1.0492% | 2,331 |
| Pretax return on assets | 1.3966% | 2,046 |
| Return on Equity (ROE) | 9.0575% | 2,457 |
| Retained earnings to average equity (ytd only) | 4.2035% | 3,334 |
| Net charge-offs to loans | 0.0828% | 2,141 |
| Credit loss provision to net charge-offs | -254.1284% | 4,922 |
| Earnings coverage of net charge-offs (x) | 22.3509% | 1,763 |
| Efficiency ratio | 74.0369% | 2,282 |
| Assets per employee ($millions) | 3.4231% | 4,879 |
| Cash dividends to net income (ytd only)* | 53.5906% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,708 |
| Loan loss allowance to noncurrent loans | 169.1192% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 3,675 |
| Noncurrent loans to loans | 0.6646% | 3,040 |
| Net loans and leases to total assets | 64.6108% | 3,324 |
| Net loans and leases to deposits | 81.9266% | 2,745 |
| Net loans and leases to core deposits | 85.4973% | 2,990 |
| Total domestic deposits to total assets | 78.8643% | 4,751 |
| Equity capital to assets | 11.6076% | 2,427 |
| Core capital (leverage) ratio | 11.0426% | 2,404 |
| Tier 1 risk-based capital ratio | 14.6705% | 3,203 |
| Total risk-based capital ratio | 15.6511% | 3,262 |
| Memoranda: | ||
| Average total assets | $1,067,024,500 | 675 |
| Average earning assets | $980,741,000 | 679 |
| Average equity | $123,607,250 | 647 |
| Average total loans | $702,029,750 | 718 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,073 |
| Cost of funding earning assets | 0.2862% | 4,283 |
| Net interest margin | 3.7611% | 2,470 |
| Noninterest income to average assets | 1.1632% | 827 |
| Noninterest expense to average assets | 3.4092% | 1,350 |
| Loan and lease loss provision to assets | -0.1415% | 5,905 |
| Net operating income to assets | 1.0223% | 2,284 |
| Return on assets (ROA) | 1.0683% | 2,214 |
| Pretax return on assets | 1.4168% | 1,964 |
| Return on Equity (ROE) | 9.2284% | 2,389 |
| Retained earnings to average equity (ytd only) | 4.3275% | 3,165 |
| Net charge-offs to loans | 0.0863% | 1,981 |
| Credit loss provision to net charge-offs | -248.5050% | 4,768 |
| Earnings coverage of net charge-offs (x) | 21.3289% | 1,689 |
| Efficiency ratio | 73.7391% | 2,398 |
| Assets per employee ($millions) | 3.3911% | 4,936 |
| Cash dividends to net income (ytd only)* | 53.1067% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 3,296 |
| Loan loss allowance to noncurrent loans | 142.6901% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 3,278 |
| Noncurrent loans to loans | 0.8489% | 2,620 |
| Net loans and leases to total assets | 65.2049% | 3,198 |
| Net loans and leases to deposits | 82.3337% | 2,667 |
| Net loans and leases to core deposits | 85.6885% | 2,932 |
| Total domestic deposits to total assets | 79.1958% | 4,734 |
| Equity capital to assets | 11.7679% | 2,296 |
| Core capital (leverage) ratio | 11.1002% | 2,326 |
| Tier 1 risk-based capital ratio | 14.6648% | 3,223 |
| Total risk-based capital ratio | 15.7279% | 3,263 |
| Memoranda: | ||
| Average total assets | $1,057,564,330 | 680 |
| Average earning assets | $972,906,670 | 686 |
| Average equity | $122,426,330 | 653 |
| Average total loans | $697,441,330 | 721 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 2,938 |
| Cost of funding earning assets | 0.2874% | 4,306 |
| Net interest margin | 3.7897% | 2,325 |
| Noninterest income to average assets | 1.1982% | 762 |
| Noninterest expense to average assets | 3.5026% | 1,175 |
| Loan and lease loss provision to assets | -0.0821% | 5,971 |
| Net operating income to assets | 0.9830% | 2,357 |
| Return on assets (ROA) | 0.9830% | 2,473 |
| Pretax return on assets | 1.2716% | 2,414 |
| Return on Equity (ROE) | 8.5638% | 2,627 |
| Retained earnings to average equity (ytd only) | -1.3710% | 5,321 |
| Net charge-offs to loans | 0.1482% | 1,226 |
| Credit loss provision to net charge-offs | -84.0467% | 4,207 |
| Earnings coverage of net charge-offs (x) | 12.1751% | 1,814 |
| Efficiency ratio | 74.6496% | 2,382 |
| Assets per employee ($millions) | 3.4126% | 4,949 |
| Cash dividends to net income (ytd only)* | 116.0093% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,836 |
| Loan loss allowance to noncurrent loans | 108.5884% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 2,712 |
| Noncurrent loans to loans | 1.2096% | 2,008 |
| Net loans and leases to total assets | 64.1215% | 3,225 |
| Net loans and leases to deposits | 79.7980% | 2,819 |
| Net loans and leases to core deposits | 83.0687% | 3,035 |
| Total domestic deposits to total assets | 80.3549% | 4,669 |
| Equity capital to assets | 11.3317% | 2,591 |
| Core capital (leverage) ratio | 10.9398% | 2,458 |
| Tier 1 risk-based capital ratio | 14.4270% | 3,433 |
| Total risk-based capital ratio | 15.5926% | 3,397 |
| Memoranda: | ||
| Average total assets | $1,052,249,000 | 681 |
| Average earning assets | $970,106,000 | 688 |
| Average equity | $120,787,500 | 664 |
| Average total loans | $693,634,500 | 724 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 3,030 |
| Cost of funding earning assets | 0.3250% | 3,967 |
| Net interest margin | 3.7450% | 2,578 |
| Noninterest income to average assets | 1.2191% | 804 |
| Noninterest expense to average assets | 3.3410% | 1,628 |
| Loan and lease loss provision to assets | -0.0016% | 5,597 |
| Net operating income to assets | 0.9767% | 2,481 |
| Return on assets (ROA) | 0.9767% | 2,560 |
| Pretax return on assets | 1.3005% | 2,281 |
| Return on Equity (ROE) | 8.6642% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.3188% | 2,196 |
| Net charge-offs to loans | 0.2194% | 1,347 |
| Credit loss provision to net charge-offs | -1.1518% | 4,914 |
| Earnings coverage of net charge-offs (x) | 9.1375% | 2,857 |
| Efficiency ratio | 72.0071% | 2,912 |
| Assets per employee ($millions) | 3.3539% | 5,061 |
| Cash dividends to net income (ytd only)* | 38.6117% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 2,503 |
| Loan loss allowance to noncurrent loans | 113.4927% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 2,459 |
| Noncurrent loans to loans | 1.2188% | 1,934 |
| Net loans and leases to total assets | 65.9672% | 2,981 |
| Net loans and leases to deposits | 81.8733% | 2,602 |
| Net loans and leases to core deposits | 85.2689% | 2,853 |
| Total domestic deposits to total assets | 80.5723% | 4,592 |
| Equity capital to assets | 11.6308% | 2,247 |
| Core capital (leverage) ratio | 11.0264% | 2,378 |
| Tier 1 risk-based capital ratio | 14.8531% | 3,241 |
| Total risk-based capital ratio | 16.1107% | 3,181 |
| Memoranda: | ||
| Average total assets | $1,038,409,200 | 663 |
| Average earning assets | $948,497,200 | 666 |
| Average equity | $117,056,800 | 654 |
| Average total loans | $672,619,600 | 700 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,161 |
| Cost of funding earning assets | 0.3298% | 3,992 |
| Net interest margin | 3.7127% | 2,712 |
| Noninterest income to average assets | 1.1966% | 845 |
| Noninterest expense to average assets | 3.2017% | 1,956 |
| Loan and lease loss provision to assets | 0.0248% | 3,771 |
| Net operating income to assets | 1.0040% | 2,447 |
| Return on assets (ROA) | 1.0040% | 2,543 |
| Pretax return on assets | 1.3480% | 2,220 |
| Return on Equity (ROE) | 8.9773% | 2,593 |
| Retained earnings to average equity (ytd only) | 4.8725% | 3,008 |
| Net charge-offs to loans | 0.1708% | 1,456 |
| Credit loss provision to net charge-offs | 22.5731% | 3,344 |
| Earnings coverage of net charge-offs (x) | 12.5111% | 2,401 |
| Efficiency ratio | 69.9902% | 3,217 |
| Assets per employee ($millions) | 3.3606% | 5,043 |
| Cash dividends to net income (ytd only)* | 45.7241% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 2,079 |
| Loan loss allowance to noncurrent loans | 122.7037% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 2,261 |
| Noncurrent loans to loans | 1.2370% | 2,066 |
| Net loans and leases to total assets | 65.3162% | 3,109 |
| Net loans and leases to deposits | 83.4699% | 2,457 |
| Net loans and leases to core deposits | 87.2579% | 2,730 |
| Total domestic deposits to total assets | 78.2512% | 5,142 |
| Equity capital to assets | 11.4024% | 2,582 |
| Core capital (leverage) ratio | 10.9030% | 2,589 |
| Tier 1 risk-based capital ratio | 14.5291% | 3,552 |
| Total risk-based capital ratio | 15.7940% | 3,458 |
| Memoranda: | ||
| Average total assets | $1,038,924,000 | 672 |
| Average earning assets | $945,235,250 | 674 |
| Average equity | $116,187,000 | 661 |
| Average total loans | $667,464,500 | 707 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,419 |
| Cost of funding earning assets | 0.3313% | 4,033 |
| Net interest margin | 3.6359% | 2,956 |
| Noninterest income to average assets | 1.1946% | 849 |
| Noninterest expense to average assets | 3.1824% | 2,026 |
| Loan and lease loss provision to assets | -0.0079% | 5,955 |
| Net operating income to assets | 0.9988% | 2,396 |
| Return on assets (ROA) | 0.9988% | 2,504 |
| Pretax return on assets | 1.3199% | 2,287 |
| Return on Equity (ROE) | 8.9898% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.2100% | 4,003 |
| Net charge-offs to loans | 0.2006% | 1,255 |
| Credit loss provision to net charge-offs | -6.1840% | 4,680 |
| Earnings coverage of net charge-offs (x) | 10.2926% | 2,373 |
| Efficiency ratio | 70.8077% | 3,193 |
| Assets per employee ($millions) | 3.4733% | 4,849 |
| Cash dividends to net income (ytd only)* | 64.2926% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 2,078 |
| Loan loss allowance to noncurrent loans | 134.8493% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 2,367 |
| Noncurrent loans to loans | 1.1507% | 2,347 |
| Net loans and leases to total assets | 63.6166% | 3,322 |
| Net loans and leases to deposits | 81.0155% | 2,664 |
| Net loans and leases to core deposits | 85.5185% | 2,817 |
| Total domestic deposits to total assets | 78.5240% | 5,182 |
| Equity capital to assets | 11.1012% | 2,778 |
| Core capital (leverage) ratio | 10.6787% | 2,756 |
| Tier 1 risk-based capital ratio | 14.3683% | 3,718 |
| Total risk-based capital ratio | 15.6515% | 3,615 |
| Memoranda: | ||
| Average total assets | $1,040,213,670 | 675 |
| Average earning assets | $944,091,670 | 679 |
| Average equity | $115,575,670 | 668 |
| Average total loans | $661,126,330 | 711 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,085 |
| Cost of funding earning assets | 0.3333% | 4,061 |
| Net interest margin | 3.7064% | 2,598 |
| Noninterest income to average assets | 1.1883% | 808 |
| Noninterest expense to average assets | 3.2597% | 1,819 |
| Loan and lease loss provision to assets | 0.0664% | 2,608 |
| Net operating income to assets | 0.9394% | 2,564 |
| Return on assets (ROA) | 0.9394% | 2,698 |
| Pretax return on assets | 1.2240% | 2,573 |
| Return on Equity (ROE) | 8.4512% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.4512% | 1,394 |
| Net charge-offs to loans | 0.2507% | 954 |
| Credit loss provision to net charge-offs | 41.9903% | 2,174 |
| Earnings coverage of net charge-offs (x) | 8.1650% | 2,104 |
| Efficiency ratio | 71.6405% | 3,228 |
| Assets per employee ($millions) | 3.5261% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 1,922 |
| Loan loss allowance to noncurrent loans | 121.3678% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 2,274 |
| Noncurrent loans to loans | 1.3510% | 2,128 |
| Net loans and leases to total assets | 62.1097% | 3,349 |
| Net loans and leases to deposits | 78.1459% | 2,783 |
| Net loans and leases to core deposits | 82.5833% | 2,900 |
| Total domestic deposits to total assets | 79.4792% | 5,175 |
| Equity capital to assets | 11.2270% | 2,727 |
| Core capital (leverage) ratio | 10.7526% | 2,689 |
| Tier 1 risk-based capital ratio | 14.5975% | 3,665 |
| Total risk-based capital ratio | 15.8803% | 3,563 |
| Memoranda: | ||
| Average total assets | $1,042,805,000 | 678 |
| Average earning assets | $945,813,000 | 676 |
| Average equity | $115,913,000 | 665 |
| Average total loans | $657,274,500 | 713 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 3,389 |
| Cost of funding earning assets | 0.4151% | 3,539 |
| Net interest margin | 3.6682% | 3,135 |
| Noninterest income to average assets | 1.0905% | 1,018 |
| Noninterest expense to average assets | 3.3373% | 1,830 |
| Loan and lease loss provision to assets | -0.0671% | 6,084 |
| Net operating income to assets | 0.9254% | 2,748 |
| Return on assets (ROA) | 0.9462% | 2,736 |
| Pretax return on assets | 1.1553% | 2,852 |
| Return on Equity (ROE) | 9.1399% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.1399% | 680 |
| Net charge-offs to loans | 0.2704% | 1,593 |
| Credit loss provision to net charge-offs | -40.6395% | 5,400 |
| Earnings coverage of net charge-offs (x) | 6.4320% | 3,200 |
| Efficiency ratio | 75.8487% | 2,530 |
| Assets per employee ($millions) | 3.4045% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 1,781 |
| Loan loss allowance to noncurrent loans | 103.2901% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 2,316 |
| Noncurrent loans to loans | 1.6424% | 1,785 |
| Net loans and leases to total assets | 61.8456% | 3,524 |
| Net loans and leases to deposits | 78.5430% | 2,904 |
| Net loans and leases to core deposits | 84.6994% | 2,825 |
| Total domestic deposits to total assets | 78.7411% | 5,300 |
| Equity capital to assets | 11.0031% | 2,896 |
| Core capital (leverage) ratio | 10.3342% | 3,127 |
| Tier 1 risk-based capital ratio | 14.7773% | 3,616 |
| Total risk-based capital ratio | 16.0554% | 3,531 |
| Memoranda: | ||
| Average total assets | $1,041,066,200 | 648 |
| Average earning assets | $939,257,000 | 656 |
| Average equity | $107,780,600 | 679 |
| Average total loans | $636,044,000 | 688 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,494 |
| Cost of funding earning assets | 0.4234% | 3,540 |
| Net interest margin | 3.6445% | 3,245 |
| Noninterest income to average assets | 1.0853% | 1,033 |
| Noninterest expense to average assets | 3.0731% | 2,552 |
| Loan and lease loss provision to assets | -0.0035% | 6,067 |
| Net operating income to assets | 0.9893% | 2,504 |
| Return on assets (ROA) | 1.0152% | 2,444 |
| Pretax return on assets | 1.3350% | 2,256 |
| Return on Equity (ROE) | 9.9618% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.9618% | 721 |
| Net charge-offs to loans | 0.2387% | 1,612 |
| Credit loss provision to net charge-offs | -2.3873% | 5,210 |
| Earnings coverage of net charge-offs (x) | 8.9638% | 2,732 |
| Efficiency ratio | 70.3125% | 3,455 |
| Assets per employee ($millions) | 3.5551% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 1,462 |
| Loan loss allowance to noncurrent loans | 114.7759% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 2,565 |
| Noncurrent loans to loans | 1.6508% | 1,975 |
| Net loans and leases to total assets | 60.7329% | 3,671 |
| Net loans and leases to deposits | 77.8708% | 2,963 |
| Net loans and leases to core deposits | 83.7893% | 2,904 |
| Total domestic deposits to total assets | 77.9919% | 5,537 |
| Equity capital to assets | 10.5766% | 3,461 |
| Core capital (leverage) ratio | 10.2292% | 3,372 |
| Tier 1 risk-based capital ratio | 14.5052% | 3,881 |
| Total risk-based capital ratio | 15.7991% | 3,799 |
| Memoranda: | ||
| Average total assets | $1,041,741,250 | 641 |
| Average earning assets | $939,080,250 | 653 |
| Average equity | $106,162,750 | 689 |
| Average total loans | $631,738,500 | 687 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,412 |
| Cost of funding earning assets | 0.4287% | 3,568 |
| Net interest margin | 3.6557% | 3,120 |
| Noninterest income to average assets | 1.0897% | 1,004 |
| Noninterest expense to average assets | 3.0242% | 2,747 |
| Loan and lease loss provision to assets | -0.0543% | 6,301 |
| Net operating income to assets | 1.0325% | 2,193 |
| Return on assets (ROA) | 1.0362% | 2,246 |
| Pretax return on assets | 1.4151% | 1,843 |
| Return on Equity (ROE) | 10.2996% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.2996% | 653 |
| Net charge-offs to loans | 0.1740% | 2,000 |
| Credit loss provision to net charge-offs | -51.8382% | 5,172 |
| Earnings coverage of net charge-offs (x) | 12.9375% | 2,019 |
| Efficiency ratio | 69.0460% | 3,831 |
| Assets per employee ($millions) | 3.5457% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 1,369 |
| Loan loss allowance to noncurrent loans | 112.0392% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 2,300 |
| Noncurrent loans to loans | 1.7805% | 1,933 |
| Net loans and leases to total assets | 59.5339% | 3,787 |
| Net loans and leases to deposits | 76.3609% | 3,011 |
| Net loans and leases to core deposits | 82.3899% | 2,928 |
| Total domestic deposits to total assets | 77.9639% | 5,637 |
| Equity capital to assets | 10.3063% | 3,684 |
| Core capital (leverage) ratio | 10.2015% | 3,338 |
| Tier 1 risk-based capital ratio | 14.1334% | 4,169 |
| Total risk-based capital ratio | 15.4356% | 4,069 |
| Memoranda: | ||
| Average total assets | $1,038,220,670 | 640 |
| Average earning assets | $934,439,000 | 655 |
| Average equity | $104,451,000 | 697 |
| Average total loans | $625,172,330 | 688 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 3,325 |
| Cost of funding earning assets | 0.4356% | 3,590 |
| Net interest margin | 3.6528% | 3,051 |
| Noninterest income to average assets | 1.0449% | 1,027 |
| Noninterest expense to average assets | 3.0872% | 2,572 |
| Loan and lease loss provision to assets | -0.1350% | 6,520 |
| Net operating income to assets | 1.0163% | 2,144 |
| Return on assets (ROA) | 1.0236% | 2,181 |
| Pretax return on assets | 1.3941% | 1,764 |
| Return on Equity (ROE) | 10.3020% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.3020% | 895 |
| Net charge-offs to loans | 0.1129% | 2,049 |
| Credit loss provision to net charge-offs | -199.4286% | 4,963 |
| Earnings coverage of net charge-offs (x) | 18.4571% | 1,416 |
| Efficiency ratio | 71.1941% | 3,628 |
| Assets per employee ($millions) | 3.6120% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 1,329 |
| Loan loss allowance to noncurrent loans | 111.6013% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 2,466 |
| Noncurrent loans to loans | 1.8795% | 2,025 |
| Net loans and leases to total assets | 58.4286% | 3,777 |
| Net loans and leases to deposits | 74.5602% | 2,999 |
| Net loans and leases to core deposits | 80.5871% | 2,900 |
| Total domestic deposits to total assets | 78.3644% | 5,774 |
| Equity capital to assets | 10.1401% | 3,674 |
| Core capital (leverage) ratio | 10.2190% | 3,264 |
| Tier 1 risk-based capital ratio | 14.6830% | 3,902 |
| Total risk-based capital ratio | 15.9818% | 3,821 |
| Memoranda: | ||
| Average total assets | $1,034,344,000 | 645 |
| Average earning assets | $931,990,500 | 663 |
| Average equity | $102,776,000 | 707 |
| Average total loans | $620,066,500 | 692 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 4,405 |
| Cost of funding earning assets | 0.5298% | 3,285 |
| Net interest margin | 3.3851% | 4,339 |
| Noninterest income to average assets | 1.1056% | 1,147 |
| Noninterest expense to average assets | 3.1425% | 2,615 |
| Loan and lease loss provision to assets | 0.2521% | 1,431 |
| Net operating income to assets | 0.6220% | 4,154 |
| Return on assets (ROA) | 0.6687% | 4,041 |
| Pretax return on assets | 0.8603% | 3,916 |
| Return on Equity (ROE) | 6.1913% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.1913% | 1,856 |
| Net charge-offs to loans | 0.5663% | 1,159 |
| Credit loss provision to net charge-offs | 73.7022% | 3,209 |
| Earnings coverage of net charge-offs (x) | 3.0767% | 3,962 |
| Efficiency ratio | 74.9110% | 2,966 |
| Assets per employee ($millions) | 3.6991% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1725% | 1,214 |
| Loan loss allowance to noncurrent loans | 91.7312% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 2,339 |
| Noncurrent loans to loans | 2.3683% | 1,624 |
| Net loans and leases to total assets | 58.9082% | 3,887 |
| Net loans and leases to deposits | 74.7546% | 3,143 |
| Net loans and leases to core deposits | 81.0381% | 3,004 |
| Total domestic deposits to total assets | 78.8020% | 5,688 |
| Equity capital to assets | 9.7317% | 4,131 |
| Core capital (leverage) ratio | 9.7857% | 3,863 |
| Tier 1 risk-based capital ratio | 14.4271% | 3,999 |
| Total risk-based capital ratio | 15.7320% | 3,904 |
| Memoranda: | ||
| Average total assets | $1,024,917,800 | 643 |
| Average earning assets | $935,380,400 | 636 |
| Average equity | $110,703,400 | 636 |
| Average total loans | $619,097,800 | 674 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 4,626 |
| Cost of funding earning assets | 0.5440% | 3,332 |
| Net interest margin | 3.3206% | 4,570 |
| Noninterest income to average assets | 1.1262% | 1,156 |
| Noninterest expense to average assets | 3.0121% | 2,952 |
| Loan and lease loss provision to assets | 0.2820% | 1,231 |
| Net operating income to assets | 0.6450% | 4,151 |
| Return on assets (ROA) | 0.7042% | 3,972 |
| Pretax return on assets | 0.9514% | 3,684 |
| Return on Equity (ROE) | 6.3610% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.3610% | 2,206 |
| Net charge-offs to loans | 0.5891% | 1,067 |
| Credit loss provision to net charge-offs | 79.1804% | 2,866 |
| Earnings coverage of net charge-offs (x) | 3.2386% | 3,759 |
| Efficiency ratio | 72.3103% | 3,347 |
| Assets per employee ($millions) | 3.6627% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2372% | 1,272 |
| Loan loss allowance to noncurrent loans | 84.9053% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.8331% | 2,221 |
| Noncurrent loans to loans | 2.6349% | 1,607 |
| Net loans and leases to total assets | 58.2013% | 3,980 |
| Net loans and leases to deposits | 75.6856% | 3,002 |
| Net loans and leases to core deposits | 82.3519% | 2,840 |
| Total domestic deposits to total assets | 76.8989% | 6,061 |
| Equity capital to assets | 10.7759% | 2,978 |
| Core capital (leverage) ratio | 10.9995% | 2,479 |
| Tier 1 risk-based capital ratio | 15.9683% | 3,211 |
| Total risk-based capital ratio | 17.2785% | 3,134 |
| Memoranda: | ||
| Average total assets | $1,023,136,750 | 647 |
| Average earning assets | $936,469,750 | 639 |
| Average equity | $113,270,500 | 628 |
| Average total loans | $618,507,750 | 677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 4,721 |
| Cost of funding earning assets | 0.5621% | 3,287 |
| Net interest margin | 3.2713% | 4,684 |
| Noninterest income to average assets | 1.1165% | 1,220 |
| Noninterest expense to average assets | 3.0185% | 2,939 |
| Loan and lease loss provision to assets | 0.3591% | 923 |
| Net operating income to assets | 0.5842% | 4,378 |
| Return on assets (ROA) | 0.6772% | 4,084 |
| Pretax return on assets | 0.8749% | 4,008 |
| Return on Equity (ROE) | 6.0617% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.0617% | 2,398 |
| Net charge-offs to loans | 0.7185% | 907 |
| Credit loss provision to net charge-offs | 82.2602% | 2,585 |
| Earnings coverage of net charge-offs (x) | 2.5502% | 3,671 |
| Efficiency ratio | 73.0542% | 3,298 |
| Assets per employee ($millions) | 3.6757% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 1,285 |
| Loan loss allowance to noncurrent loans | 73.9653% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2787% | 1,902 |
| Noncurrent loans to loans | 3.0887% | 1,433 |
| Net loans and leases to total assets | 58.5119% | 3,902 |
| Net loans and leases to deposits | 75.9907% | 2,878 |
| Net loans and leases to core deposits | 82.9595% | 2,698 |
| Total domestic deposits to total assets | 76.9988% | 6,127 |
| Equity capital to assets | 10.9432% | 2,805 |
| Core capital (leverage) ratio | 10.9617% | 2,396 |
| Tier 1 risk-based capital ratio | 16.1226% | 3,125 |
| Total risk-based capital ratio | 17.4293% | 3,051 |
| Memoranda: | ||
| Average total assets | $1,017,450,330 | 651 |
| Average earning assets | $937,841,670 | 638 |
| Average equity | $113,663,670 | 629 |
| Average total loans | $618,256,330 | 678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,522 |
| Cost of funding earning assets | 0.5838% | 3,266 |
| Net interest margin | 3.3044% | 4,500 |
| Noninterest income to average assets | 1.1790% | 1,079 |
| Noninterest expense to average assets | 2.9907% | 3,020 |
| Loan and lease loss provision to assets | 0.4156% | 728 |
| Net operating income to assets | 0.6309% | 4,075 |
| Return on assets (ROA) | 0.7109% | 3,773 |
| Pretax return on assets | 0.9240% | 3,675 |
| Return on Equity (ROE) | 6.2981% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.2981% | 2,511 |
| Net charge-offs to loans | 0.6861% | 895 |
| Credit loss provision to net charge-offs | 98.9662% | 1,886 |
| Earnings coverage of net charge-offs (x) | 2.9427% | 2,893 |
| Efficiency ratio | 70.7602% | 3,833 |
| Assets per employee ($millions) | 3.6408% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3480% | 1,337 |
| Loan loss allowance to noncurrent loans | 73.0943% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.3927% | 1,944 |
| Noncurrent loans to loans | 3.2123% | 1,528 |
| Net loans and leases to total assets | 59.0070% | 3,608 |
| Net loans and leases to deposits | 76.3203% | 2,586 |
| Net loans and leases to core deposits | 84.1166% | 2,310 |
| Total domestic deposits to total assets | 77.3149% | 6,215 |
| Equity capital to assets | 11.3040% | 2,631 |
| Core capital (leverage) ratio | 10.9827% | 2,279 |
| Tier 1 risk-based capital ratio | 16.2903% | 3,112 |
| Total risk-based capital ratio | 17.6010% | 3,031 |
| Memoranda: | ||
| Average total assets | $1,013,420,500 | 659 |
| Average earning assets | $934,646,000 | 647 |
| Average equity | $114,383,500 | 636 |
| Average total loans | $620,347,500 | 675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 4,895 |
| Cost of funding earning assets | 0.7660% | 2,957 |
| Net interest margin | 3.3475% | 5,079 |
| Noninterest income to average assets | 1.0251% | 1,466 |
| Noninterest expense to average assets | 2.9909% | 3,311 |
| Loan and lease loss provision to assets | 0.4768% | 1,291 |
| Net operating income to assets | 0.5002% | 4,695 |
| Return on assets (ROA) | 0.5922% | 4,535 |
| Pretax return on assets | 0.7619% | 4,441 |
| Return on Equity (ROE) | 5.5642% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.5642% | 2,340 |
| Net charge-offs to loans | 1.0946% | 963 |
| Credit loss provision to net charge-offs | 69.3033% | 4,194 |
| Earnings coverage of net charge-offs (x) | 1.6290% | 4,633 |
| Efficiency ratio | 72.7414% | 3,284 |
| Assets per employee ($millions) | 3.7035% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3007% | 1,367 |
| Loan loss allowance to noncurrent loans | 72.0034% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.5998% | 1,869 |
| Noncurrent loans to loans | 3.1953% | 1,619 |
| Net loans and leases to total assets | 60.5779% | 3,500 |
| Net loans and leases to deposits | 78.1740% | 2,501 |
| Net loans and leases to core deposits | 86.9881% | 2,193 |
| Total domestic deposits to total assets | 77.4910% | 6,166 |
| Equity capital to assets | 11.2697% | 2,663 |
| Core capital (leverage) ratio | 10.7568% | 2,484 |
| Tier 1 risk-based capital ratio | 15.5426% | 3,399 |
| Total risk-based capital ratio | 16.8439% | 3,337 |
| Memoranda: | ||
| Average total assets | $1,032,667,000 | 645 |
| Average earning assets | $952,186,200 | 625 |
| Average equity | $109,898,800 | 646 |
| Average total loans | $649,094,400 | 636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 5,030 |
| Cost of funding earning assets | 0.7992% | 2,949 |
| Net interest margin | 3.3431% | 5,238 |
| Noninterest income to average assets | 1.0427% | 1,392 |
| Noninterest expense to average assets | 2.8966% | 3,611 |
| Loan and lease loss provision to assets | 0.5668% | 1,013 |
| Net operating income to assets | 0.5067% | 4,820 |
| Return on assets (ROA) | 0.6241% | 4,524 |
| Pretax return on assets | 0.8223% | 4,409 |
| Return on Equity (ROE) | 5.9497% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.9497% | 2,726 |
| Net charge-offs to loans | 0.9096% | 1,194 |
| Credit loss provision to net charge-offs | 98.8133% | 3,037 |
| Earnings coverage of net charge-offs (x) | 2.1523% | 4,188 |
| Efficiency ratio | 70.1157% | 3,672 |
| Assets per employee ($millions) | 3.6917% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6198% | 1,064 |
| Loan loss allowance to noncurrent loans | 77.9347% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.7716% | 1,897 |
| Noncurrent loans to loans | 3.3615% | 1,631 |
| Net loans and leases to total assets | 61.2675% | 3,520 |
| Net loans and leases to deposits | 79.8093% | 2,416 |
| Net loans and leases to core deposits | 89.6612% | 2,028 |
| Total domestic deposits to total assets | 76.7674% | 6,271 |
| Equity capital to assets | 11.2111% | 3,022 |
| Core capital (leverage) ratio | 10.5719% | 2,832 |
| Tier 1 risk-based capital ratio | 15.3240% | 3,633 |
| Total risk-based capital ratio | 16.6293% | 3,563 |
| Memoranda: | ||
| Average total assets | $1,038,071,000 | 637 |
| Average earning assets | $958,994,250 | 623 |
| Average equity | $108,888,000 | 653 |
| Average total loans | $654,644,000 | 633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 5,092 |
| Cost of funding earning assets | 0.8281% | 2,968 |
| Net interest margin | 3.3299% | 5,349 |
| Noninterest income to average assets | 1.0395% | 1,351 |
| Noninterest expense to average assets | 2.7895% | 4,050 |
| Loan and lease loss provision to assets | 0.6960% | 791 |
| Net operating income to assets | 0.4715% | 4,940 |
| Return on assets (ROA) | 0.6417% | 4,410 |
| Pretax return on assets | 0.8578% | 4,244 |
| Return on Equity (ROE) | 6.2550% | 4,182 |
| Retained earnings to average equity (ytd only) | 6.2550% | 2,533 |
| Net charge-offs to loans | 1.0920% | 997 |
| Credit loss provision to net charge-offs | 100.9956% | 2,694 |
| Earnings coverage of net charge-offs (x) | 1.9253% | 4,018 |
| Efficiency ratio | 67.7655% | 4,171 |
| Assets per employee ($millions) | 3.8531% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5736% | 1,180 |
| Loan loss allowance to noncurrent loans | 72.7559% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.8448% | 1,937 |
| Noncurrent loans to loans | 3.5373% | 1,621 |
| Net loans and leases to total assets | 61.0020% | 3,627 |
| Net loans and leases to deposits | 79.2213% | 2,492 |
| Net loans and leases to core deposits | 91.3481% | 1,834 |
| Total domestic deposits to total assets | 77.0020% | 6,321 |
| Equity capital to assets | 10.6746% | 3,486 |
| Core capital (leverage) ratio | 10.2017% | 3,142 |
| Tier 1 risk-based capital ratio | 14.7777% | 3,909 |
| Total risk-based capital ratio | 16.0737% | 3,842 |
| Memoranda: | ||
| Average total assets | $1,049,379,670 | 636 |
| Average earning assets | $969,649,000 | 613 |
| Average equity | $107,658,670 | 656 |
| Average total loans | $662,270,000 | 631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 4,991 |
| Cost of funding earning assets | 0.8681% | 2,935 |
| Net interest margin | 3.3632% | 5,254 |
| Noninterest income to average assets | 1.0184% | 1,378 |
| Noninterest expense to average assets | 2.7069% | 4,397 |
| Loan and lease loss provision to assets | 0.7749% | 642 |
| Net operating income to assets | 0.4854% | 4,889 |
| Return on assets (ROA) | 0.6346% | 4,412 |
| Pretax return on assets | 0.8444% | 4,249 |
| Return on Equity (ROE) | 6.3099% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.3099% | 2,792 |
| Net charge-offs to loans | 1.2183% | 842 |
| Credit loss provision to net charge-offs | 100.3920% | 2,285 |
| Earnings coverage of net charge-offs (x) | 1.8403% | 3,418 |
| Efficiency ratio | 65.5855% | 4,637 |
| Assets per employee ($millions) | 3.8353% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4996% | 1,359 |
| Loan loss allowance to noncurrent loans | 66.4374% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 3.1425% | 1,846 |
| Noncurrent loans to loans | 3.7623% | 1,651 |
| Net loans and leases to total assets | 61.6620% | 3,325 |
| Net loans and leases to deposits | 78.7424% | 2,379 |
| Net loans and leases to core deposits | 92.7588% | 1,576 |
| Total domestic deposits to total assets | 78.3085% | 6,223 |
| Equity capital to assets | 10.2209% | 3,825 |
| Core capital (leverage) ratio | 9.8222% | 3,609 |
| Tier 1 risk-based capital ratio | 14.1909% | 4,325 |
| Total risk-based capital ratio | 15.4771% | 4,268 |
| Memoranda: | ||
| Average total assets | $1,057,752,000 | 632 |
| Average earning assets | $977,764,500 | 608 |
| Average equity | $106,373,000 | 661 |
| Average total loans | $670,121,000 | 623 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 4,878 |
| Cost of funding earning assets | 1.0763% | 2,834 |
| Net interest margin | 3.4727% | 5,246 |
| Noninterest income to average assets | 0.9218% | 1,599 |
| Noninterest expense to average assets | 2.7269% | 4,634 |
| Loan and lease loss provision to assets | 1.1791% | 751 |
| Net operating income to assets | 0.1843% | 5,637 |
| Return on assets (ROA) | 0.5051% | 4,611 |
| Pretax return on assets | 0.6469% | 4,524 |
| Return on Equity (ROE) | 5.3329% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.3329% | 2,429 |
| Net charge-offs to loans | 1.6488% | 946 |
| Credit loss provision to net charge-offs | 109.6433% | 3,058 |
| Earnings coverage of net charge-offs (x) | 1.3155% | 4,791 |
| Efficiency ratio | 65.8410% | 4,804 |
| Assets per employee ($millions) | 3.8434% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 1,376 |
| Loan loss allowance to noncurrent loans | 67.7908% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 3.0122% | 1,999 |
| Noncurrent loans to loans | 3.6251% | 1,754 |
| Net loans and leases to total assets | 61.9028% | 3,618 |
| Net loans and leases to deposits | 78.1835% | 2,810 |
| Net loans and leases to core deposits | 94.1833% | 1,671 |
| Total domestic deposits to total assets | 79.1763% | 5,952 |
| Equity capital to assets | 9.8943% | 4,314 |
| Core capital (leverage) ratio | 9.4409% | 4,123 |
| Tier 1 risk-based capital ratio | 13.7584% | 4,512 |
| Total risk-based capital ratio | 15.0423% | 4,445 |
| Memoranda: | ||
| Average total assets | $1,071,285,800 | 610 |
| Average earning assets | $993,294,000 | 594 |
| Average equity | $101,465,400 | 676 |
| Average total loans | $698,758,200 | 590 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 4,927 |
| Cost of funding earning assets | 1.1189% | 2,839 |
| Net interest margin | 3.4649% | 5,337 |
| Noninterest income to average assets | 0.9046% | 1,632 |
| Noninterest expense to average assets | 2.6936% | 4,755 |
| Loan and lease loss provision to assets | 1.2049% | 647 |
| Net operating income to assets | 0.1797% | 5,753 |
| Return on assets (ROA) | 0.4308% | 5,050 |
| Pretax return on assets | 0.5301% | 5,040 |
| Return on Equity (ROE) | 4.5997% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.5997% | 3,448 |
| Net charge-offs to loans | 1.6733% | 831 |
| Credit loss provision to net charge-offs | 109.6584% | 3,013 |
| Earnings coverage of net charge-offs (x) | 1.2969% | 4,647 |
| Efficiency ratio | 65.4014% | 4,828 |
| Assets per employee ($millions) | 3.9529% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4046% | 1,532 |
| Loan loss allowance to noncurrent loans | 56.5581% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.2094% | 1,986 |
| Noncurrent loans to loans | 4.2516% | 1,539 |
| Net loans and leases to total assets | 61.0331% | 3,934 |
| Net loans and leases to deposits | 77.3832% | 3,107 |
| Net loans and leases to core deposits | 98.5681% | 1,383 |
| Total domestic deposits to total assets | 78.8712% | 6,014 |
| Equity capital to assets | 9.6400% | 4,872 |
| Core capital (leverage) ratio | 9.3449% | 4,383 |
| Tier 1 risk-based capital ratio | 13.4837% | 4,746 |
| Total risk-based capital ratio | 14.7541% | 4,700 |
| Memoranda: | ||
| Average total assets | $1,072,948,500 | 619 |
| Average earning assets | $995,208,750 | 598 |
| Average equity | $100,497,250 | 692 |
| Average total loans | $704,537,000 | 593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 4,841 |
| Cost of funding earning assets | 1.1608% | 2,841 |
| Net interest margin | 3.4702% | 5,290 |
| Noninterest income to average assets | 0.9200% | 1,585 |
| Noninterest expense to average assets | 2.7346% | 4,681 |
| Loan and lease loss provision to assets | 1.1829% | 666 |
| Net operating income to assets | 0.1872% | 5,781 |
| Return on assets (ROA) | 0.3847% | 5,159 |
| Pretax return on assets | 0.4564% | 5,201 |
| Return on Equity (ROE) | 4.1488% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.1488% | 3,555 |
| Net charge-offs to loans | 1.6350% | 890 |
| Credit loss provision to net charge-offs | 108.4263% | 2,824 |
| Earnings coverage of net charge-offs (x) | 1.2871% | 4,325 |
| Efficiency ratio | 66.0726% | 4,862 |
| Assets per employee ($millions) | 3.9351% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3006% | 1,741 |
| Loan loss allowance to noncurrent loans | 49.7618% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 3.6658% | 1,784 |
| Noncurrent loans to loans | 4.6232% | 1,429 |
| Net loans and leases to total assets | 63.4190% | 3,595 |
| Net loans and leases to deposits | 80.1233% | 2,766 |
| Net loans and leases to core deposits | 100.6034% | 1,294 |
| Total domestic deposits to total assets | 79.1518% | 6,049 |
| Equity capital to assets | 9.5176% | 4,793 |
| Core capital (leverage) ratio | 9.2699% | 4,292 |
| Tier 1 risk-based capital ratio | 12.6718% | 5,200 |
| Total risk-based capital ratio | 13.9525% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,068,244,670 | 626 |
| Average earning assets | $990,842,670 | 606 |
| Average equity | $99,065,330 | 694 |
| Average total loans | $712,778,330 | 593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 4,699 |
| Cost of funding earning assets | 1.2092% | 2,758 |
| Net interest margin | 3.4511% | 5,220 |
| Noninterest income to average assets | 0.9134% | 1,611 |
| Noninterest expense to average assets | 2.7328% | 4,710 |
| Loan and lease loss provision to assets | 1.1057% | 659 |
| Net operating income to assets | 0.2122% | 5,750 |
| Return on assets (ROA) | 0.5225% | 4,478 |
| Pretax return on assets | 0.6807% | 4,380 |
| Return on Equity (ROE) | 5.7094% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.7094% | 2,794 |
| Net charge-offs to loans | 1.6809% | 788 |
| Credit loss provision to net charge-offs | 97.2634% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.2169% | 3,753 |
| Efficiency ratio | 66.3905% | 4,970 |
| Assets per employee ($millions) | 3.9030% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1595% | 2,055 |
| Loan loss allowance to noncurrent loans | 46.5095% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.6928% | 1,833 |
| Noncurrent loans to loans | 4.6432% | 1,494 |
| Net loans and leases to total assets | 65.2851% | 3,183 |
| Net loans and leases to deposits | 81.5397% | 2,439 |
| Net loans and leases to core deposits | 104.3584% | 1,039 |
| Total domestic deposits to total assets | 80.0653% | 5,930 |
| Equity capital to assets | 9.1719% | 4,917 |
| Core capital (leverage) ratio | 9.2066% | 4,277 |
| Tier 1 risk-based capital ratio | 12.0890% | 5,609 |
| Total risk-based capital ratio | 13.3655% | 5,585 |
| Memoranda: | ||
| Average total assets | $1,067,199,500 | 633 |
| Average earning assets | $990,412,000 | 610 |
| Average equity | $97,663,000 | 698 |
| Average total loans | $721,777,500 | 591 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 5,081 |
| Cost of funding earning assets | 1.4559% | 2,921 |
| Net interest margin | 3.4345% | 5,501 |
| Noninterest income to average assets | 0.9882% | 1,547 |
| Noninterest expense to average assets | 2.6964% | 5,002 |
| Loan and lease loss provision to assets | 1.5470% | 950 |
| Net operating income to assets | -0.1069% | 6,001 |
| Return on assets (ROA) | 0.2051% | 5,422 |
| Pretax return on assets | 0.2063% | 5,479 |
| Return on Equity (ROE) | 2.1916% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.1916% | 4,357 |
| Net charge-offs to loans | 2.1643% | 906 |
| Credit loss provision to net charge-offs | 100.4891% | 4,530 |
| Earnings coverage of net charge-offs (x) | 0.9342% | 5,177 |
| Efficiency ratio | 65.2160% | 5,123 |
| Assets per employee ($millions) | 3.9010% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1224% | 2,018 |
| Loan loss allowance to noncurrent loans | 38.4690% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 4.4083% | 1,514 |
| Noncurrent loans to loans | 5.5172% | 1,191 |
| Net loans and leases to total assets | 67.0887% | 3,195 |
| Net loans and leases to deposits | 83.4244% | 2,546 |
| Net loans and leases to core deposits | 111.0396% | 868 |
| Total domestic deposits to total assets | 80.4185% | 5,718 |
| Equity capital to assets | 9.1307% | 4,943 |
| Core capital (leverage) ratio | 8.8993% | 4,701 |
| Tier 1 risk-based capital ratio | 11.8672% | 5,604 |
| Total risk-based capital ratio | 13.1466% | 5,554 |
| Memoranda: | ||
| Average total assets | $1,062,590,800 | 634 |
| Average earning assets | $973,457,000 | 615 |
| Average equity | $99,426,800 | 677 |
| Average total loans | $755,814,000 | 573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 5,190 |
| Cost of funding earning assets | 1.4992% | 2,989 |
| Net interest margin | 3.4186% | 5,605 |
| Noninterest income to average assets | 0.9655% | 1,566 |
| Noninterest expense to average assets | 2.6626% | 5,041 |
| Loan and lease loss provision to assets | 1.2827% | 1,092 |
| Net operating income to assets | 0.1162% | 5,731 |
| Return on assets (ROA) | 0.3006% | 5,332 |
| Pretax return on assets | 0.3650% | 5,329 |
| Return on Equity (ROE) | 3.1928% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.1928% | 4,189 |
| Net charge-offs to loans | 1.3839% | 1,471 |
| Credit loss provision to net charge-offs | 129.1330% | 3,141 |
| Earnings coverage of net charge-offs (x) | 1.4324% | 4,653 |
| Efficiency ratio | 65.1732% | 5,022 |
| Assets per employee ($millions) | 3.9971% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3769% | 1,504 |
| Loan loss allowance to noncurrent loans | 33.7518% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 5.3093% | 1,173 |
| Noncurrent loans to loans | 7.0422% | 796 |
| Net loans and leases to total assets | 67.4299% | 3,346 |
| Net loans and leases to deposits | 84.5763% | 2,600 |
| Net loans and leases to core deposits | 114.9056% | 801 |
| Total domestic deposits to total assets | 79.7267% | 5,796 |
| Equity capital to assets | 9.4723% | 4,888 |
| Core capital (leverage) ratio | 9.0005% | 4,693 |
| Tier 1 risk-based capital ratio | 11.8634% | 5,581 |
| Total risk-based capital ratio | 13.1376% | 5,538 |
| Memoranda: | ||
| Average total assets | $1,061,993,500 | 628 |
| Average earning assets | $969,228,250 | 617 |
| Average equity | $99,973,500 | 670 |
| Average total loans | $762,274,000 | 569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 5,264 |
| Cost of funding earning assets | 1.5441% | 2,991 |
| Net interest margin | 3.3867% | 5,687 |
| Noninterest income to average assets | 1.0346% | 1,272 |
| Noninterest expense to average assets | 2.6693% | 5,040 |
| Loan and lease loss provision to assets | 1.0530% | 1,372 |
| Net operating income to assets | 0.3112% | 5,134 |
| Return on assets (ROA) | 0.3503% | 5,138 |
| Pretax return on assets | 0.4550% | 5,050 |
| Return on Equity (ROE) | 3.7290% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.7290% | 3,727 |
| Net charge-offs to loans | 1.0400% | 1,799 |
| Credit loss provision to net charge-offs | 139.2687% | 2,879 |
| Earnings coverage of net charge-offs (x) | 1.9274% | 4,073 |
| Efficiency ratio | 64.6859% | 5,208 |
| Assets per employee ($millions) | 4.0432% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2540% | 1,662 |
| Loan loss allowance to noncurrent loans | 52.4267% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 3.4287% | 2,052 |
| Noncurrent loans to loans | 4.2994% | 1,726 |
| Net loans and leases to total assets | 68.9880% | 3,134 |
| Net loans and leases to deposits | 86.6583% | 2,407 |
| Net loans and leases to core deposits | 116.2914% | 836 |
| Total domestic deposits to total assets | 79.6092% | 5,855 |
| Equity capital to assets | 9.4427% | 4,797 |
| Core capital (leverage) ratio | 9.0237% | 4,561 |
| Tier 1 risk-based capital ratio | 11.5599% | 5,711 |
| Total risk-based capital ratio | 12.8275% | 5,661 |
| Memoranda: | ||
| Average total assets | $1,056,249,330 | 629 |
| Average earning assets | $964,300,330 | 620 |
| Average equity | $99,222,330 | 665 |
| Average total loans | $767,885,670 | 566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 5,186 |
| Cost of funding earning assets | 1.5830% | 3,057 |
| Net interest margin | 3.3789% | 5,674 |
| Noninterest income to average assets | 0.9689% | 1,393 |
| Noninterest expense to average assets | 2.7095% | 4,864 |
| Loan and lease loss provision to assets | 0.9068% | 1,403 |
| Net operating income to assets | 0.3355% | 5,140 |
| Return on assets (ROA) | 0.3419% | 5,244 |
| Pretax return on assets | 0.4489% | 5,137 |
| Return on Equity (ROE) | 3.6490% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.6490% | 3,961 |
| Net charge-offs to loans | 0.5362% | 2,460 |
| Credit loss provision to net charge-offs | 229.2589% | 1,664 |
| Earnings coverage of net charge-offs (x) | 3.4062% | 2,918 |
| Efficiency ratio | 66.7887% | 4,955 |
| Assets per employee ($millions) | 4.0124% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,800 |
| Loan loss allowance to noncurrent loans | 63.5250% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.9165% | 2,458 |
| Noncurrent loans to loans | 3.4283% | 2,324 |
| Net loans and leases to total assets | 71.3237% | 2,611 |
| Net loans and leases to deposits | 89.7267% | 1,938 |
| Net loans and leases to core deposits | 120.0534% | 785 |
| Total domestic deposits to total assets | 79.4898% | 5,954 |
| Equity capital to assets | 9.3933% | 4,680 |
| Core capital (leverage) ratio | 9.0304% | 4,509 |
| Tier 1 risk-based capital ratio | 11.4196% | 5,744 |
| Total risk-based capital ratio | 12.6789% | 5,712 |
| Memoranda: | ||
| Average total assets | $1,050,673,000 | 646 |
| Average earning assets | $960,196,500 | 636 |
| Average equity | $98,437,500 | 675 |
| Average total loans | $775,148,500 | 584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3511% | 4,936 |
| Cost of funding earning assets | 1.8221% | 3,872 |
| Net interest margin | 3.5290% | 4,823 |
| Noninterest income to average assets | 1.0534% | 1,398 |
| Noninterest expense to average assets | 2.9336% | 4,414 |
| Loan and lease loss provision to assets | 1.0438% | 2,196 |
| Net operating income to assets | 0.2364% | 4,775 |
| Return on assets (ROA) | 0.3199% | 4,539 |
| Pretax return on assets | 0.4609% | 4,317 |
| Return on Equity (ROE) | 3.3868% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.3868% | 2,795 |
| Net charge-offs to loans | 0.7871% | 2,860 |
| Credit loss provision to net charge-offs | 171.3844% | 2,484 |
| Earnings coverage of net charge-offs (x) | 2.2720% | 4,022 |
| Efficiency ratio | 67.9495% | 5,014 |
| Assets per employee ($millions) | 3.9180% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 2,090 |
| Loan loss allowance to noncurrent loans | 62.2395% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.7494% | 2,540 |
| Noncurrent loans to loans | 3.1712% | 2,416 |
| Net loans and leases to total assets | 73.1754% | 2,460 |
| Net loans and leases to deposits | 92.3685% | 1,834 |
| Net loans and leases to core deposits | 117.0041% | 2,225 |
| Total domestic deposits to total assets | 79.2212% | 5,927 |
| Equity capital to assets | 9.3445% | 4,641 |
| Core capital (leverage) ratio | 8.9934% | 4,435 |
| Tier 1 risk-based capital ratio | 11.2235% | 5,691 |
| Total risk-based capital ratio | 12.4806% | 5,635 |
| Memoranda: | ||
| Average total assets | $1,009,318,200 | 663 |
| Average earning assets | $933,496,200 | 648 |
| Average equity | $95,340,800 | 687 |
| Average total loans | $780,997,400 | 586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 4,988 |
| Cost of funding earning assets | 1.8719% | 4,035 |
| Net interest margin | 3.5196% | 4,787 |
| Noninterest income to average assets | 1.0402% | 1,467 |
| Noninterest expense to average assets | 2.9901% | 4,084 |
| Loan and lease loss provision to assets | 0.9540% | 2,016 |
| Net operating income to assets | 0.2365% | 5,033 |
| Return on assets (ROA) | 0.3455% | 4,713 |
| Pretax return on assets | 0.5173% | 4,465 |
| Return on Equity (ROE) | 3.6479% | 4,521 |
| Retained earnings to average equity (ytd only) | 3.6479% | 3,247 |
| Net charge-offs to loans | 0.4621% | 3,378 |
| Credit loss provision to net charge-offs | 264.3517% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.6258% | 3,447 |
| Efficiency ratio | 69.5602% | 4,682 |
| Assets per employee ($millions) | 3.8897% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 1,862 |
| Loan loss allowance to noncurrent loans | 60.9141% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.7985% | 2,483 |
| Noncurrent loans to loans | 3.2408% | 2,334 |
| Net loans and leases to total assets | 73.9854% | 2,524 |
| Net loans and leases to deposits | 94.3663% | 1,815 |
| Net loans and leases to core deposits | 119.5111% | 2,292 |
| Total domestic deposits to total assets | 78.4023% | 5,977 |
| Equity capital to assets | 9.3986% | 4,884 |
| Core capital (leverage) ratio | 9.1546% | 4,409 |
| Tier 1 risk-based capital ratio | 11.1298% | 5,832 |
| Total risk-based capital ratio | 12.3871% | 5,770 |
| Memoranda: | ||
| Average total assets | $1,000,124,500 | 680 |
| Average earning assets | $925,874,500 | 671 |
| Average equity | $94,738,000 | 692 |
| Average total loans | $781,022,750 | 603 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 4,766 |
| Cost of funding earning assets | 1.9442% | 4,040 |
| Net interest margin | 3.5288% | 4,660 |
| Noninterest income to average assets | 1.0671% | 1,395 |
| Noninterest expense to average assets | 3.0707% | 3,812 |
| Loan and lease loss provision to assets | 0.8137% | 2,057 |
| Net operating income to assets | 0.2903% | 4,937 |
| Return on assets (ROA) | 0.4588% | 4,375 |
| Pretax return on assets | 0.7187% | 3,940 |
| Return on Equity (ROE) | 4.8304% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.8304% | 2,610 |
| Net charge-offs to loans | 0.4492% | 3,022 |
| Credit loss provision to net charge-offs | 229.2808% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.5759% | 3,385 |
| Efficiency ratio | 70.7571% | 4,632 |
| Assets per employee ($millions) | 3.7256% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 2,343 |
| Loan loss allowance to noncurrent loans | 56.6641% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.5465% | 2,526 |
| Noncurrent loans to loans | 3.0033% | 2,404 |
| Net loans and leases to total assets | 76.8836% | 1,974 |
| Net loans and leases to deposits | 99.2623% | 1,361 |
| Net loans and leases to core deposits | 125.5601% | 1,914 |
| Total domestic deposits to total assets | 77.4550% | 6,212 |
| Equity capital to assets | 9.5976% | 4,492 |
| Core capital (leverage) ratio | 9.4099% | 4,014 |
| Tier 1 risk-based capital ratio | 10.9793% | 5,891 |
| Total risk-based capital ratio | 12.2075% | 5,857 |
| Memoranda: | ||
| Average total assets | $987,316,000 | 706 |
| Average earning assets | $915,669,670 | 686 |
| Average equity | $93,781,000 | 707 |
| Average total loans | $780,080,670 | 625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 4,713 |
| Cost of funding earning assets | 2.0325% | 3,971 |
| Net interest margin | 3.5045% | 4,714 |
| Noninterest income to average assets | 0.9917% | 1,506 |
| Noninterest expense to average assets | 2.9686% | 3,895 |
| Loan and lease loss provision to assets | 0.7195% | 1,783 |
| Net operating income to assets | 0.3537% | 5,051 |
| Return on assets (ROA) | 0.2881% | 5,513 |
| Pretax return on assets | 0.4404% | 5,269 |
| Return on Equity (ROE) | 3.0488% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.0488% | 4,182 |
| Net charge-offs to loans | 0.3730% | 2,596 |
| Credit loss provision to net charge-offs | 242.9161% | 1,917 |
| Earnings coverage of net charge-offs (x) | 4.2572% | 2,930 |
| Efficiency ratio | 70.1859% | 4,535 |
| Assets per employee ($millions) | 3.7787% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 2,723 |
| Loan loss allowance to noncurrent loans | 87.8020% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 3,612 |
| Noncurrent loans to loans | 1.7658% | 3,617 |
| Net loans and leases to total assets | 76.7913% | 2,087 |
| Net loans and leases to deposits | 99.2498% | 1,502 |
| Net loans and leases to core deposits | 131.2926% | 1,584 |
| Total domestic deposits to total assets | 77.3717% | 6,189 |
| Equity capital to assets | 9.6962% | 4,388 |
| Core capital (leverage) ratio | 9.3880% | 4,121 |
| Tier 1 risk-based capital ratio | 10.8236% | 6,070 |
| Total risk-based capital ratio | 12.0758% | 5,974 |
| Memoranda: | ||
| Average total assets | $981,747,500 | 706 |
| Average earning assets | $907,056,500 | 695 |
| Average equity | $92,757,500 | 716 |
| Average total loans | $779,652,500 | 634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4856% | 3,030 |
| Cost of funding earning assets | 2.6372% | 3,499 |
| Net interest margin | 3.8485% | 3,799 |
| Noninterest income to average assets | 1.1399% | 1,194 |
| Noninterest expense to average assets | 3.0629% | 3,850 |
| Loan and lease loss provision to assets | 0.5125% | 2,757 |
| Net operating income to assets | 0.7527% | 3,655 |
| Return on assets (ROA) | 0.7640% | 3,441 |
| Pretax return on assets | 1.1492% | 2,837 |
| Return on Equity (ROE) | 8.5228% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.2209% | 1,421 |
| Net charge-offs to loans | 0.3827% | 2,914 |
| Credit loss provision to net charge-offs | 166.9220% | 3,076 |
| Earnings coverage of net charge-offs (x) | 5.3562% | 3,675 |
| Efficiency ratio | 65.0640% | 5,309 |
| Assets per employee ($millions) | 3.5775% | 4,478 |
| Cash dividends to net income (ytd only)* | 27.0081% | 4,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,132 |
| Loan loss allowance to noncurrent loans | 89.4306% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 3,281 |
| Noncurrent loans to loans | 1.5781% | 3,412 |
| Net loans and leases to total assets | 79.7339% | 1,716 |
| Net loans and leases to deposits | 102.4613% | 1,538 |
| Net loans and leases to core deposits | 132.1374% | 1,710 |
| Total domestic deposits to total assets | 77.8185% | 5,769 |
| Equity capital to assets | 9.1921% | 5,092 |
| Core capital (leverage) ratio | 8.6801% | 5,235 |
| Tier 1 risk-based capital ratio | 9.8490% | 6,906 |
| Total risk-based capital ratio | 11.0997% | 6,784 |
| Memoranda: | ||
| Average total assets | $935,341,200 | 714 |
| Average earning assets | $867,100,400 | 695 |
| Average equity | $83,846,000 | 797 |
| Average total loans | $750,405,800 | 640 |