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 | 8.9340% | 92 |
| Cost of funding earning assets | 1.4829% | 1,982 |
| Net interest margin | 7.4510% | 41 |
| Noninterest income to average assets | 5.8700% | 119 |
| Noninterest expense to average assets | 5.8370% | 180 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 6.3529% | 58 |
| Return on assets (ROA) | 6.2514% | 59 |
| Pretax return on assets | 6.4989% | 70 |
| Return on Equity (ROE) | 54.7600% | 45 |
| Retained earnings to average equity (ytd only) | 14.0215% | 399 |
| Net charge-offs to loans | 0.2554% | 415 |
| Credit loss provision to net charge-offs | 114.8472% | 1,718 |
| Earnings coverage of net charge-offs (x) | 33.8919% | 1,553 |
| Efficiency ratio | 46.0575% | 4,191 |
| Assets per employee ($millions) | 3.2595% | 4,338 |
| Cash dividends to net income (ytd only)* | 74.3950% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 888 |
| Loan loss allowance to noncurrent loans | 37.1208% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 3.5012% | 50 |
| Noncurrent loans to loans | 4.2416% | 74 |
| Net loans and leases to total assets | 77.1700% | 956 |
| Net loans and leases to deposits | 95.3219% | 838 |
| Net loans and leases to core deposits | 104.3826% | 1,198 |
| Total domestic deposits to total assets | 80.9600% | 3,314 |
| Equity capital to assets | 13.0661% | 851 |
| Core capital (leverage) ratio | 13.9025% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3384% | 752 |
| Memoranda: | ||
| Average total assets | $454,122,200 | 1,841 |
| Average earning assets | $414,720,200 | 1,857 |
| Average equity | $51,841,800 | 1,562 |
| Average total loans | $358,702,000 | 1,582 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8186% | 86 |
| Cost of funding earning assets | 1.3256% | 2,073 |
| Net interest margin | 7.4931% | 40 |
| Noninterest income to average assets | 5.8800% | 115 |
| Noninterest expense to average assets | 5.9652% | 180 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 6.2225% | 61 |
| Return on assets (ROA) | 6.2225% | 60 |
| Pretax return on assets | 6.5160% | 72 |
| Return on Equity (ROE) | 56.6000% | 58 |
| Retained earnings to average equity (ytd only) | 8.1367% | 1,912 |
| Net charge-offs to loans | 0.2211% | 399 |
| Credit loss provision to net charge-offs | 139.7976% | 1,363 |
| Earnings coverage of net charge-offs (x) | 38.6442% | 1,465 |
| Efficiency ratio | 46.8750% | 4,095 |
| Assets per employee ($millions) | 3.1560% | 4,377 |
| Cash dividends to net income (ytd only)* | 85.6249% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 714 |
| Loan loss allowance to noncurrent loans | 41.9711% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 3.1954% | 61 |
| Noncurrent loans to loans | 4.0281% | 76 |
| Net loans and leases to total assets | 75.9600% | 1,130 |
| Net loans and leases to deposits | 87.2698% | 1,452 |
| Net loans and leases to core deposits | 96.1221% | 1,546 |
| Total domestic deposits to total assets | 87.0400% | 1,882 |
| Equity capital to assets | 11.8367% | 1,082 |
| Core capital (leverage) ratio | 12.9420% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6442% | 865 |
| Memoranda: | ||
| Average total assets | $451,941,250 | 1,844 |
| Average earning assets | $412,692,000 | 1,860 |
| Average equity | $49,683,250 | 1,601 |
| Average total loans | $357,650,500 | 1,585 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 25,392.0000% | 20 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 141,838.0000% | 11 |
| Cost of funding earning assets | 408.0000% | 9 |
| Net interest margin | 47.0000% | 5 |
| Noninterest income to average assets | 0.0423% | 4,511 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 5.0060% | 73 |
| Pretax return on assets | 5.1174% | 88 |
| Return on Equity (ROE) | 46.7100% | 74 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.1158% | 618 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,488 |
| Efficiency ratio | 2.9584% | 4,620 |
| Assets per employee ($millions) | 0.0234% | 4,623 |
| Cash dividends to net income (ytd only)* | 1.9169% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 67 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0074% | 4,525 |
| Total domestic deposits to total assets | 438.0000% | 17 |
| Equity capital to assets | 32,905.0000% | 17 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $5,249,000 | 4,628 |
| Average earning assets | $8,637 | 4,614 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2355% | 56 |
| Cost of funding earning assets | 1.1448% | 1,614 |
| Net interest margin | 7.0907% | 46 |
| Noninterest income to average assets | 4.6500% | 132 |
| Noninterest expense to average assets | 5.9163% | 184 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 5.0143% | 77 |
| Return on assets (ROA) | 5.0143% | 77 |
| Pretax return on assets | 4.9905% | 94 |
| Return on Equity (ROE) | 48.1900% | 77 |
| Retained earnings to average equity (ytd only) | 9.9852% | 1,704 |
| Net charge-offs to loans | 0.1877% | 384 |
| Credit loss provision to net charge-offs | 156.4706% | 931 |
| Earnings coverage of net charge-offs (x) | 34.7941% | 1,244 |
| Efficiency ratio | 53.1002% | 3,697 |
| Assets per employee ($millions) | 3.0455% | 4,495 |
| Cash dividends to net income (ytd only)* | 79.2812% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 981 |
| Loan loss allowance to noncurrent loans | 45.4131% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.9257% | 55 |
| Noncurrent loans to loans | 3.5568% | 111 |
| Net loans and leases to total assets | 78.7900% | 676 |
| Net loans and leases to deposits | 90.5629% | 1,008 |
| Net loans and leases to core deposits | 94.7581% | 1,343 |
| Total domestic deposits to total assets | 87.0000% | 2,261 |
| Equity capital to assets | 10.9621% | 1,359 |
| Core capital (leverage) ratio | 11.2321% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8443% | 1,181 |
| Memoranda: | ||
| Average total assets | $452,783,500 | 1,871 |
| Average earning assets | $414,739,500 | 1,887 |
| Average equity | $47,109,500 | 1,684 |
| Average total loans | $362,286,500 | 1,574 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6710% | 60 |
| Cost of funding earning assets | 0.3589% | 2,408 |
| Net interest margin | 6.3120% | 43 |
| Noninterest income to average assets | 3.9400% | 147 |
| Noninterest expense to average assets | 5.7864% | 175 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 3.4305% | 92 |
| Return on assets (ROA) | 3.4305% | 90 |
| Pretax return on assets | 3.6174% | 98 |
| Return on Equity (ROE) | 31.8100% | 93 |
| Retained earnings to average equity (ytd only) | -0.6207% | 4,413 |
| Net charge-offs to loans | 0.1960% | 416 |
| Credit loss provision to net charge-offs | 241.8097% | 1,011 |
| Earnings coverage of net charge-offs (x) | 27.2028% | 1,738 |
| Efficiency ratio | 59.3069% | 3,151 |
| Assets per employee ($millions) | 3.4339% | 4,455 |
| Cash dividends to net income (ytd only)* | 101.9514% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,224 |
| Loan loss allowance to noncurrent loans | 44.9541% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.7291% | 66 |
| Noncurrent loans to loans | 3.3228% | 120 |
| Net loans and leases to total assets | 78.7500% | 724 |
| Net loans and leases to deposits | 97.6596% | 541 |
| Net loans and leases to core deposits | 101.6815% | 912 |
| Total domestic deposits to total assets | 80.6400% | 3,800 |
| Equity capital to assets | 9.8807% | 1,767 |
| Core capital (leverage) ratio | 11.4553% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3645% | 1,279 |
| Memoranda: | ||
| Average total assets | $439,182,400 | 1,890 |
| Average earning assets | $404,814,800 | 1,898 |
| Average equity | $47,369,000 | 1,692 |
| Average total loans | $327,102,200 | 1,615 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2376% | 65 |
| Cost of funding earning assets | 0.3253% | 1,908 |
| Net interest margin | 5.9123% | 53 |
| Noninterest income to average assets | 4.4000% | 142 |
| Noninterest expense to average assets | 5.7904% | 174 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 3.8025% | 82 |
| Return on assets (ROA) | 3.8025% | 78 |
| Pretax return on assets | 3.8025% | 90 |
| Return on Equity (ROE) | 34.4700% | 67 |
| Retained earnings to average equity (ytd only) | -2.9449% | 4,539 |
| Net charge-offs to loans | 0.1969% | 332 |
| Credit loss provision to net charge-offs | 176.3948% | 1,043 |
| Earnings coverage of net charge-offs (x) | 28.2167% | 1,550 |
| Efficiency ratio | 58.8064% | 3,287 |
| Assets per employee ($millions) | 2.9746% | 4,576 |
| Cash dividends to net income (ytd only)* | 108.5422% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,256 |
| Loan loss allowance to noncurrent loans | 42.7066% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.8255% | 62 |
| Noncurrent loans to loans | 3.5448% | 118 |
| Net loans and leases to total assets | 76.3000% | 876 |
| Net loans and leases to deposits | 86.0278% | 1,169 |
| Net loans and leases to core deposits | 89.8908% | 1,301 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 10.3683% | 1,434 |
| Core capital (leverage) ratio | 11.3056% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6259% | 1,058 |
| Memoranda: | ||
| Average total assets | $432,225,500 | 1,921 |
| Average earning assets | $398,391,500 | 1,937 |
| Average equity | $47,675,250 | 1,700 |
| Average total loans | $315,538,000 | 1,649 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0395% | 69 |
| Cost of funding earning assets | 0.3210% | 1,518 |
| Net interest margin | 5.7185% | 61 |
| Noninterest income to average assets | 5.1232% | 98 |
| Noninterest expense to average assets | 5.8761% | 133 |
| Loan and lease loss provision to assets | 0.2445% | 303 |
| Net operating income to assets | 4.2877% | 38 |
| Return on assets (ROA) | 4.2877% | 36 |
| Pretax return on assets | 4.2877% | 49 |
| Return on Equity (ROE) | 38.1191% | 31 |
| Retained earnings to average equity (ytd only) | -6.4229% | 4,578 |
| Net charge-offs to loans | 0.2283% | 284 |
| Credit loss provision to net charge-offs | 149.7175% | 1,094 |
| Earnings coverage of net charge-offs (x) | 27.7514% | 1,424 |
| Efficiency ratio | 56.4558% | 3,732 |
| Assets per employee ($millions) | 2.9448% | 4,631 |
| Cash dividends to net income (ytd only)* | 116.8496% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,291 |
| Loan loss allowance to noncurrent loans | 62.4468% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 157 |
| Noncurrent loans to loans | 2.4741% | 232 |
| Net loans and leases to total assets | 72.7943% | 1,029 |
| Net loans and leases to deposits | 82.4888% | 1,212 |
| Net loans and leases to core deposits | 88.0140% | 1,223 |
| Total domestic deposits to total assets | 88.2475% | 2,481 |
| Equity capital to assets | 10.7949% | 1,313 |
| Core capital (leverage) ratio | 11.1323% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8088% | 1,021 |
| Memoranda: | ||
| Average total assets | $433,518,667 | 1,924 |
| Average earning assets | $400,662,667 | 1,942 |
| Average equity | $48,763,000 | 1,709 |
| Average total loans | $310,095,000 | 1,670 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8432% | 76 |
| Cost of funding earning assets | 0.3275% | 1,398 |
| Net interest margin | 5.5157% | 71 |
| Noninterest income to average assets | 5.7310% | 90 |
| Noninterest expense to average assets | 5.7182% | 134 |
| Loan and lease loss provision to assets | 0.3341% | 176 |
| Net operating income to assets | 4.7973% | 40 |
| Return on assets (ROA) | 4.7973% | 38 |
| Pretax return on assets | 4.7973% | 46 |
| Return on Equity (ROE) | 41.8334% | 26 |
| Retained earnings to average equity (ytd only) | 5.5396% | 2,398 |
| Net charge-offs to loans | 0.1414% | 402 |
| Credit loss provision to net charge-offs | 335.7798% | 630 |
| Earnings coverage of net charge-offs (x) | 51.5780% | 917 |
| Efficiency ratio | 52.7046% | 4,144 |
| Assets per employee ($millions) | 3.2005% | 4,626 |
| Cash dividends to net income (ytd only)* | 86.7580% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 1,159 |
| Loan loss allowance to noncurrent loans | 40.1778% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.8316% | 71 |
| Noncurrent loans to loans | 4.1035% | 92 |
| Net loans and leases to total assets | 66.0407% | 1,404 |
| Net loans and leases to deposits | 74.9609% | 1,525 |
| Net loans and leases to core deposits | 79.9061% | 1,490 |
| Total domestic deposits to total assets | 88.1002% | 2,479 |
| Equity capital to assets | 11.1861% | 1,244 |
| Core capital (leverage) ratio | 11.4309% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2042% | 1,016 |
| Memoranda: | ||
| Average total assets | $438,251,000 | 1,917 |
| Average earning assets | $406,696,500 | 1,928 |
| Average equity | $50,256,500 | 1,738 |
| Average total loans | $308,377,000 | 1,668 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2066% | 71 |
| Cost of funding earning assets | 0.4738% | 1,041 |
| Net interest margin | 5.7328% | 69 |
| Noninterest income to average assets | 6.0352% | 97 |
| Noninterest expense to average assets | 5.8707% | 130 |
| Loan and lease loss provision to assets | 0.1605% | 736 |
| Net operating income to assets | 5.2902% | 40 |
| Return on assets (ROA) | 5.2902% | 41 |
| Pretax return on assets | 5.2902% | 53 |
| Return on Equity (ROE) | 51.8736% | 14 |
| Retained earnings to average equity (ytd only) | 28.5658% | 16 |
| Net charge-offs to loans | 0.0465% | 1,358 |
| Credit loss provision to net charge-offs | 455.4054% | 847 |
| Earnings coverage of net charge-offs (x) | 154.6757% | 642 |
| Efficiency ratio | 51.8550% | 4,127 |
| Assets per employee ($millions) | 2.9767% | 4,693 |
| Cash dividends to net income (ytd only)* | 44.9320% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,672 |
| Loan loss allowance to noncurrent loans | 37.9420% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.9947% | 70 |
| Noncurrent loans to loans | 3.8685% | 111 |
| Net loans and leases to total assets | 72.6002% | 797 |
| Net loans and leases to deposits | 82.9240% | 991 |
| Net loans and leases to core deposits | 88.7003% | 1,036 |
| Total domestic deposits to total assets | 87.5504% | 2,264 |
| Equity capital to assets | 11.7576% | 1,366 |
| Core capital (leverage) ratio | 11.3874% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5296% | 961 |
| Memoranda: | ||
| Average total assets | $419,985,400 | 1,927 |
| Average earning assets | $387,264,200 | 1,945 |
| Average equity | $42,831,000 | 1,984 |
| Average total loans | $318,279,000 | 1,629 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1422% | 77 |
| Cost of funding earning assets | 0.5082% | 1,009 |
| Net interest margin | 5.6340% | 80 |
| Noninterest income to average assets | 5.9927% | 98 |
| Noninterest expense to average assets | 5.7702% | 131 |
| Loan and lease loss provision to assets | 1.1526% | 27 |
| Net operating income to assets | 4.2549% | 59 |
| Return on assets (ROA) | 4.2549% | 59 |
| Pretax return on assets | 4.2549% | 75 |
| Return on Equity (ROE) | 43.4408% | 28 |
| Retained earnings to average equity (ytd only) | 17.3208% | 222 |
| Net charge-offs to loans | 0.0561% | 1,085 |
| Credit loss provision to net charge-offs | 2,690.2985% | 258 |
| Earnings coverage of net charge-offs (x) | 126.2313% | 752 |
| Efficiency ratio | 51.6231% | 4,059 |
| Assets per employee ($millions) | 3.0384% | 4,749 |
| Cash dividends to net income (ytd only)* | 60.1277% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3344% | 370 |
| Loan loss allowance to noncurrent loans | 57.7881% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 3.1271% | 74 |
| Noncurrent loans to loans | 4.0397% | 128 |
| Net loans and leases to total assets | 73.3056% | 746 |
| Net loans and leases to deposits | 82.3278% | 1,088 |
| Net loans and leases to core deposits | 86.4811% | 1,260 |
| Total domestic deposits to total assets | 89.0411% | 1,255 |
| Equity capital to assets | 10.1075% | 2,799 |
| Core capital (leverage) ratio | 9.8257% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4956% | 1,486 |
| Memoranda: | ||
| Average total assets | $417,074,750 | 1,957 |
| Average earning assets | $383,824,500 | 1,972 |
| Average equity | $40,851,500 | 2,086 |
| Average total loans | $318,341,000 | 1,660 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1321% | 83 |
| Cost of funding earning assets | 0.5542% | 920 |
| Net interest margin | 5.5779% | 88 |
| Noninterest income to average assets | 6.4050% | 92 |
| Noninterest expense to average assets | 5.7403% | 136 |
| Loan and lease loss provision to assets | 1.5936% | 14 |
| Net operating income to assets | 4.1861% | 68 |
| Return on assets (ROA) | 4.1861% | 68 |
| Pretax return on assets | 4.1861% | 85 |
| Return on Equity (ROE) | 43.2237% | 35 |
| Retained earnings to average equity (ytd only) | 14.4866% | 490 |
| Net charge-offs to loans | 0.0456% | 1,178 |
| Credit loss provision to net charge-offs | 4,551.3889% | 155 |
| Earnings coverage of net charge-offs (x) | 165.0694% | 559 |
| Efficiency ratio | 49.8290% | 4,249 |
| Assets per employee ($millions) | 2.9773% | 4,787 |
| Cash dividends to net income (ytd only)* | 66.4847% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4235% | 302 |
| Loan loss allowance to noncurrent loans | 53.4872% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 3.4598% | 75 |
| Noncurrent loans to loans | 4.5311% | 103 |
| Net loans and leases to total assets | 69.9681% | 1,200 |
| Net loans and leases to deposits | 78.3077% | 1,586 |
| Net loans and leases to core deposits | 82.4130% | 1,689 |
| Total domestic deposits to total assets | 89.3503% | 1,110 |
| Equity capital to assets | 9.8311% | 3,024 |
| Core capital (leverage) ratio | 9.5633% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1812% | 1,566 |
| Memoranda: | ||
| Average total assets | $411,270,333 | 1,966 |
| Average earning assets | $377,130,667 | 1,988 |
| Average equity | $39,830,000 | 2,105 |
| Average total loans | $315,749,000 | 1,676 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7187% | 56 |
| Cost of funding earning assets | 0.5797% | 965 |
| Net interest margin | 6.1390% | 59 |
| Noninterest income to average assets | 6.1975% | 102 |
| Noninterest expense to average assets | 5.6717% | 134 |
| Loan and lease loss provision to assets | 2.8674% | 6 |
| Net operating income to assets | 3.3202% | 119 |
| Return on assets (ROA) | 3.3202% | 131 |
| Pretax return on assets | 3.3202% | 166 |
| Return on Equity (ROE) | 34.5554% | 88 |
| Retained earnings to average equity (ytd only) | 5.3691% | 3,104 |
| Net charge-offs to loans | 0.0360% | 1,116 |
| Credit loss provision to net charge-offs | 10,024.1379% | 60 |
| Earnings coverage of net charge-offs (x) | 216.3103% | 378 |
| Efficiency ratio | 47.8250% | 4,351 |
| Assets per employee ($millions) | 2.9818% | 4,823 |
| Cash dividends to net income (ytd only)* | 84.4623% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 470 |
| Loan loss allowance to noncurrent loans | 57.0871% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 3.1788% | 90 |
| Noncurrent loans to loans | 3.7378% | 161 |
| Net loans and leases to total assets | 77.1278% | 532 |
| Net loans and leases to deposits | 85.8114% | 971 |
| Net loans and leases to core deposits | 91.5567% | 1,136 |
| Total domestic deposits to total assets | 89.8806% | 875 |
| Equity capital to assets | 9.3366% | 3,347 |
| Core capital (leverage) ratio | 9.3256% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7888% | 1,645 |
| Memoranda: | ||
| Average total assets | $405,520,000 | 1,974 |
| Average earning assets | $374,001,500 | 1,985 |
| Average equity | $38,963,500 | 2,128 |
| Average total loans | $322,047,500 | 1,657 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 145 |
| Cost of funding earning assets | 0.8889% | 884 |
| Net interest margin | 4.7668% | 183 |
| Noninterest income to average assets | 4.1750% | 134 |
| Noninterest expense to average assets | 4.6548% | 231 |
| Loan and lease loss provision to assets | 0.3953% | 804 |
| Net operating income to assets | 3.5138% | 70 |
| Return on assets (ROA) | 3.5138% | 71 |
| Pretax return on assets | 3.5138% | 87 |
| Return on Equity (ROE) | 35.7590% | 45 |
| Retained earnings to average equity (ytd only) | 7.9624% | 1,063 |
| Net charge-offs to loans | 0.1463% | 1,114 |
| Credit loss provision to net charge-offs | 334.4037% | 1,620 |
| Earnings coverage of net charge-offs (x) | 33.0711% | 1,531 |
| Efficiency ratio | 54.3544% | 4,174 |
| Assets per employee ($millions) | 3.0276% | 4,804 |
| Cash dividends to net income (ytd only)* | 77.7332% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,342 |
| Loan loss allowance to noncurrent loans | 41.2262% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 3.0032% | 123 |
| Noncurrent loans to loans | 3.1885% | 255 |
| Net loans and leases to total assets | 79.0069% | 500 |
| Net loans and leases to deposits | 90.5296% | 888 |
| Net loans and leases to core deposits | 97.0461% | 1,056 |
| Total domestic deposits to total assets | 87.2719% | 1,810 |
| Equity capital to assets | 9.8964% | 3,223 |
| Core capital (leverage) ratio | 9.2701% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0922% | 1,494 |
| Memoranda: | ||
| Average total assets | $368,862,600 | 1,964 |
| Average earning assets | $339,619,400 | 1,986 |
| Average equity | $36,245,400 | 2,165 |
| Average total loans | $298,051,400 | 1,690 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 185 |
| Cost of funding earning assets | 0.9494% | 910 |
| Net interest margin | 4.6525% | 285 |
| Noninterest income to average assets | 3.3281% | 162 |
| Noninterest expense to average assets | 4.3504% | 281 |
| Loan and lease loss provision to assets | 0.3135% | 1,272 |
| Net operating income to assets | 2.9516% | 95 |
| Return on assets (ROA) | 2.9516% | 100 |
| Pretax return on assets | 2.9516% | 123 |
| Return on Equity (ROE) | 30.0966% | 64 |
| Retained earnings to average equity (ytd only) | 13.5358% | 278 |
| Net charge-offs to loans | 0.1661% | 889 |
| Credit loss provision to net charge-offs | 233.0601% | 1,987 |
| Earnings coverage of net charge-offs (x) | 24.2678% | 1,763 |
| Efficiency ratio | 57.1249% | 3,781 |
| Assets per employee ($millions) | 3.4130% | 4,700 |
| Cash dividends to net income (ytd only)* | 55.0255% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,753 |
| Loan loss allowance to noncurrent loans | 32.3759% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.1505% | 135 |
| Noncurrent loans to loans | 3.0502% | 301 |
| Net loans and leases to total assets | 84.7691% | 220 |
| Net loans and leases to deposits | 101.9203% | 460 |
| Net loans and leases to core deposits | 108.9010% | 738 |
| Total domestic deposits to total assets | 83.1719% | 3,098 |
| Equity capital to assets | 9.2716% | 3,884 |
| Core capital (leverage) ratio | 9.5626% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3784% | 1,402 |
| Memoranda: | ||
| Average total assets | $362,681,750 | 1,968 |
| Average earning assets | $334,233,250 | 1,983 |
| Average equity | $35,569,000 | 2,185 |
| Average total loans | $293,788,750 | 1,706 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 222 |
| Cost of funding earning assets | 1.0544% | 826 |
| Net interest margin | 4.6666% | 362 |
| Noninterest income to average assets | 3.1327% | 158 |
| Noninterest expense to average assets | 4.3560% | 288 |
| Loan and lease loss provision to assets | 0.2842% | 1,511 |
| Net operating income to assets | 2.7736% | 103 |
| Return on assets (ROA) | 2.7736% | 107 |
| Pretax return on assets | 2.7736% | 146 |
| Return on Equity (ROE) | 27.6516% | 81 |
| Retained earnings to average equity (ytd only) | 10.4789% | 695 |
| Net charge-offs to loans | 0.1519% | 960 |
| Credit loss provision to net charge-offs | 236.5854% | 1,789 |
| Earnings coverage of net charge-offs (x) | 25.4585% | 1,552 |
| Efficiency ratio | 58.7561% | 3,587 |
| Assets per employee ($millions) | 3.2443% | 4,768 |
| Cash dividends to net income (ytd only)* | 62.1039% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,278 |
| Loan loss allowance to noncurrent loans | 31.3537% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 3.1855% | 138 |
| Noncurrent loans to loans | 3.3832% | 247 |
| Net loans and leases to total assets | 78.8305% | 744 |
| Net loans and leases to deposits | 92.2935% | 1,126 |
| Net loans and leases to core deposits | 98.7861% | 1,352 |
| Total domestic deposits to total assets | 85.4129% | 2,236 |
| Equity capital to assets | 9.3719% | 3,759 |
| Core capital (leverage) ratio | 9.8249% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1398% | 1,456 |
| Memoranda: | ||
| Average total assets | $341,367,333 | 2,040 |
| Average earning assets | $313,164,000 | 2,057 |
| Average equity | $34,240,333 | 2,251 |
| Average total loans | $269,967,333 | 1,798 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 140 |
| Cost of funding earning assets | 1.1935% | 790 |
| Net interest margin | 4.9417% | 216 |
| Noninterest income to average assets | 2.3377% | 218 |
| Noninterest expense to average assets | 4.8117% | 247 |
| Loan and lease loss provision to assets | 0.1930% | 1,560 |
| Net operating income to assets | 1.9247% | 316 |
| Return on assets (ROA) | 1.9247% | 348 |
| Pretax return on assets | 1.9247% | 544 |
| Return on Equity (ROE) | 18.4069% | 242 |
| Retained earnings to average equity (ytd only) | 2.9038% | 3,123 |
| Net charge-offs to loans | 0.2665% | 547 |
| Credit loss provision to net charge-offs | 92.0245% | 1,887 |
| Earnings coverage of net charge-offs (x) | 10.0982% | 1,783 |
| Efficiency ratio | 69.4393% | 2,442 |
| Assets per employee ($millions) | 2.5203% | 4,953 |
| Cash dividends to net income (ytd only)* | 84.2246% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,230 |
| Loan loss allowance to noncurrent loans | 26.6215% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 4.6852% | 75 |
| Noncurrent loans to loans | 4.8170% | 133 |
| Net loans and leases to total assets | 76.5334% | 1,209 |
| Net loans and leases to deposits | 86.8416% | 1,894 |
| Net loans and leases to core deposits | 92.4610% | 2,114 |
| Total domestic deposits to total assets | 88.1299% | 1,053 |
| Equity capital to assets | 10.6807% | 3,162 |
| Core capital (leverage) ratio | 10.7051% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8887% | 1,632 |
| Memoranda: | ||
| Average total assets | $310,907,500 | 2,148 |
| Average earning assets | $288,889,000 | 2,146 |
| Average equity | $32,509,500 | 2,329 |
| Average total loans | $244,688,500 | 1,901 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5298% | 107 |
| Cost of funding earning assets | 1.2223% | 969 |
| Net interest margin | 5.3075% | 152 |
| Noninterest income to average assets | 2.8775% | 160 |
| Noninterest expense to average assets | 4.9384% | 222 |
| Loan and lease loss provision to assets | 0.3639% | 412 |
| Net operating income to assets | 2.5239% | 129 |
| Return on assets (ROA) | 2.5472% | 131 |
| Pretax return on assets | 2.5472% | 192 |
| Return on Equity (ROE) | 25.8341% | 65 |
| Retained earnings to average equity (ytd only) | 5.3428% | 2,254 |
| Net charge-offs to loans | 0.4288% | 447 |
| Credit loss provision to net charge-offs | 106.3387% | 2,333 |
| Earnings coverage of net charge-offs (x) | 8.4380% | 2,773 |
| Efficiency ratio | 63.1004% | 3,208 |
| Assets per employee ($millions) | 2.4354% | 5,018 |
| Cash dividends to net income (ytd only)* | 79.3187% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,102 |
| Loan loss allowance to noncurrent loans | 32.1384% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 4.2596% | 85 |
| Noncurrent loans to loans | 3.9289% | 182 |
| Net loans and leases to total assets | 78.8787% | 953 |
| Net loans and leases to deposits | 89.0145% | 1,697 |
| Net loans and leases to core deposits | 93.6261% | 2,103 |
| Total domestic deposits to total assets | 88.6133% | 830 |
| Equity capital to assets | 10.2296% | 3,699 |
| Core capital (leverage) ratio | 10.0068% | 3,510 |
| Tier 1 risk-based capital ratio | 13.3902% | 3,584 |
| Total risk-based capital ratio | 14.6415% | 3,469 |
| Memoranda: | ||
| Average total assets | $308,844,600 | 2,112 |
| Average earning assets | $287,971,800 | 2,099 |
| Average equity | $30,452,000 | 2,366 |
| Average total loans | $246,502,000 | 1,847 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5958% | 103 |
| Cost of funding earning assets | 1.2252% | 965 |
| Net interest margin | 5.3707% | 147 |
| Noninterest income to average assets | 2.6085% | 187 |
| Noninterest expense to average assets | 4.8209% | 232 |
| Loan and lease loss provision to assets | 0.3602% | 365 |
| Net operating income to assets | 2.4366% | 180 |
| Return on assets (ROA) | 2.4677% | 181 |
| Pretax return on assets | 2.4677% | 262 |
| Return on Equity (ROE) | 25.2644% | 86 |
| Retained earnings to average equity (ytd only) | 8.2859% | 1,289 |
| Net charge-offs to loans | 0.4124% | 404 |
| Credit loss provision to net charge-offs | 109.4488% | 2,100 |
| Earnings coverage of net charge-offs (x) | 8.4987% | 2,648 |
| Efficiency ratio | 63.2859% | 3,114 |
| Assets per employee ($millions) | 2.5492% | 5,064 |
| Cash dividends to net income (ytd only)* | 67.2033% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,128 |
| Loan loss allowance to noncurrent loans | 39.6171% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 3.6000% | 138 |
| Noncurrent loans to loans | 3.2028% | 284 |
| Net loans and leases to total assets | 78.1863% | 1,107 |
| Net loans and leases to deposits | 88.4436% | 1,873 |
| Net loans and leases to core deposits | 92.5826% | 2,309 |
| Total domestic deposits to total assets | 88.4025% | 871 |
| Equity capital to assets | 10.2782% | 3,745 |
| Core capital (leverage) ratio | 9.8401% | 3,798 |
| Tier 1 risk-based capital ratio | 14.0096% | 3,327 |
| Total risk-based capital ratio | 15.2615% | 3,234 |
| Memoranda: | ||
| Average total assets | $308,731,000 | 2,126 |
| Average earning assets | $287,952,250 | 2,108 |
| Average equity | $30,155,000 | 2,398 |
| Average total loans | $246,354,750 | 1,860 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5185% | 110 |
| Cost of funding earning assets | 1.2069% | 971 |
| Net interest margin | 5.3116% | 164 |
| Noninterest income to average assets | 2.5054% | 197 |
| Noninterest expense to average assets | 4.7017% | 265 |
| Loan and lease loss provision to assets | 0.4539% | 264 |
| Net operating income to assets | 2.3028% | 216 |
| Return on assets (ROA) | 2.3495% | 202 |
| Pretax return on assets | 2.3495% | 319 |
| Return on Equity (ROE) | 24.4859% | 106 |
| Retained earnings to average equity (ytd only) | 5.8068% | 2,364 |
| Net charge-offs to loans | 0.5528% | 279 |
| Credit loss provision to net charge-offs | 102.6432% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.2335% | 2,591 |
| Efficiency ratio | 63.0387% | 3,282 |
| Assets per employee ($millions) | 2.5640% | 5,098 |
| Cash dividends to net income (ytd only)* | 76.2852% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,353 |
| Loan loss allowance to noncurrent loans | 48.2558% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.0161% | 197 |
| Noncurrent loans to loans | 2.5527% | 459 |
| Net loans and leases to total assets | 78.0752% | 1,210 |
| Net loans and leases to deposits | 87.5724% | 2,053 |
| Net loans and leases to core deposits | 91.3861% | 2,472 |
| Total domestic deposits to total assets | 89.1551% | 602 |
| Equity capital to assets | 9.7456% | 4,196 |
| Core capital (leverage) ratio | 9.5661% | 4,086 |
| Tier 1 risk-based capital ratio | 13.0456% | 3,817 |
| Total risk-based capital ratio | 14.2968% | 3,721 |
| Memoranda: | ||
| Average total assets | $307,975,670 | 2,131 |
| Average earning assets | $287,182,000 | 2,118 |
| Average equity | $29,551,670 | 2,428 |
| Average total loans | $246,379,000 | 1,866 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5174% | 119 |
| Cost of funding earning assets | 1.1890% | 935 |
| Net interest margin | 5.3285% | 166 |
| Noninterest income to average assets | 2.6410% | 176 |
| Noninterest expense to average assets | 4.5722% | 272 |
| Loan and lease loss provision to assets | 0.6494% | 155 |
| Net operating income to assets | 2.3860% | 197 |
| Return on assets (ROA) | 2.4267% | 191 |
| Pretax return on assets | 2.4267% | 279 |
| Return on Equity (ROE) | 25.4972% | 93 |
| Retained earnings to average equity (ytd only) | 13.8950% | 361 |
| Net charge-offs to loans | 0.8035% | 187 |
| Credit loss provision to net charge-offs | 100.4065% | 1,567 |
| Earnings coverage of net charge-offs (x) | 4.6931% | 2,310 |
| Efficiency ratio | 60.1002% | 3,795 |
| Assets per employee ($millions) | 2.5101% | 5,182 |
| Cash dividends to net income (ytd only)* | 45.5038% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,376 |
| Loan loss allowance to noncurrent loans | 54.1763% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.8321% | 232 |
| Noncurrent loans to loans | 2.2912% | 603 |
| Net loans and leases to total assets | 78.0929% | 1,128 |
| Net loans and leases to deposits | 87.5206% | 1,932 |
| Net loans and leases to core deposits | 90.8936% | 2,409 |
| Total domestic deposits to total assets | 89.2280% | 755 |
| Equity capital to assets | 9.7822% | 4,024 |
| Core capital (leverage) ratio | 9.7536% | 3,865 |
| Tier 1 risk-based capital ratio | 13.7506% | 3,473 |
| Total risk-based capital ratio | 15.0025% | 3,376 |
| Memoranda: | ||
| Average total assets | $304,276,500 | 2,177 |
| Average earning assets | $283,608,000 | 2,150 |
| Average equity | $28,960,000 | 2,465 |
| Average total loans | $244,918,500 | 1,890 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4276% | 94 |
| Cost of funding earning assets | 0.8467% | 1,324 |
| Net interest margin | 5.5809% | 100 |
| Noninterest income to average assets | 2.3027% | 223 |
| Noninterest expense to average assets | 5.3106% | 167 |
| Loan and lease loss provision to assets | 0.2422% | 720 |
| Net operating income to assets | 1.9509% | 393 |
| Return on assets (ROA) | 1.9853% | 368 |
| Pretax return on assets | 1.9853% | 579 |
| Return on Equity (ROE) | 20.9450% | 200 |
| Retained earnings to average equity (ytd only) | -0.7852% | 5,070 |
| Net charge-offs to loans | 0.2714% | 712 |
| Credit loss provision to net charge-offs | 108.8235% | 2,358 |
| Earnings coverage of net charge-offs (x) | 9.8529% | 2,776 |
| Efficiency ratio | 70.7733% | 2,073 |
| Assets per employee ($millions) | 2.4983% | 5,212 |
| Cash dividends to net income (ytd only)* | 103.7487% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,286 |
| Loan loss allowance to noncurrent loans | 82.1803% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 2.4571% | 317 |
| Noncurrent loans to loans | 1.5243% | 993 |
| Net loans and leases to total assets | 80.9494% | 809 |
| Net loans and leases to deposits | 94.0851% | 1,269 |
| Net loans and leases to core deposits | 97.8381% | 1,878 |
| Total domestic deposits to total assets | 86.0385% | 2,210 |
| Equity capital to assets | 9.2407% | 4,376 |
| Core capital (leverage) ratio | 9.2464% | 4,401 |
| Tier 1 risk-based capital ratio | 12.5716% | 4,090 |
| Total risk-based capital ratio | 13.8233% | 3,969 |
| Memoranda: | ||
| Average total assets | $290,228,600 | 2,207 |
| Average earning assets | $270,475,600 | 2,191 |
| Average equity | $27,510,200 | 2,483 |
| Average total loans | $238,047,400 | 1,893 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3861% | 98 |
| Cost of funding earning assets | 0.7874% | 1,393 |
| Net interest margin | 5.5987% | 98 |
| Noninterest income to average assets | 2.4091% | 216 |
| Noninterest expense to average assets | 5.4102% | 163 |
| Loan and lease loss provision to assets | 0.2602% | 593 |
| Net operating income to assets | 1.9579% | 425 |
| Return on assets (ROA) | 1.9898% | 383 |
| Pretax return on assets | 1.9898% | 632 |
| Return on Equity (ROE) | 20.8574% | 222 |
| Retained earnings to average equity (ytd only) | 2.6502% | 4,352 |
| Net charge-offs to loans | 0.2969% | 558 |
| Credit loss provision to net charge-offs | 106.8311% | 2,160 |
| Earnings coverage of net charge-offs (x) | 9.1063% | 2,667 |
| Efficiency ratio | 70.9222% | 2,049 |
| Assets per employee ($millions) | 2.3937% | 5,311 |
| Cash dividends to net income (ytd only)* | 87.2938% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,318 |
| Loan loss allowance to noncurrent loans | 71.9165% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.2981% | 409 |
| Noncurrent loans to loans | 1.7495% | 885 |
| Net loans and leases to total assets | 80.8211% | 898 |
| Net loans and leases to deposits | 92.5096% | 1,562 |
| Net loans and leases to core deposits | 95.9779% | 2,116 |
| Total domestic deposits to total assets | 87.3651% | 1,568 |
| Equity capital to assets | 9.4310% | 4,151 |
| Core capital (leverage) ratio | 9.6342% | 4,006 |
| Tier 1 risk-based capital ratio | 13.1805% | 3,795 |
| Total risk-based capital ratio | 14.4324% | 3,707 |
| Memoranda: | ||
| Average total assets | $288,460,000 | 2,227 |
| Average earning assets | $268,910,500 | 2,217 |
| Average equity | $27,519,500 | 2,488 |
| Average total loans | $236,629,750 | 1,911 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2825% | 98 |
| Cost of funding earning assets | 0.7449% | 1,396 |
| Net interest margin | 5.5376% | 102 |
| Noninterest income to average assets | 2.2048% | 244 |
| Noninterest expense to average assets | 5.5573% | 160 |
| Loan and lease loss provision to assets | 0.2220% | 735 |
| Net operating income to assets | 1.5897% | 937 |
| Return on assets (ROA) | 1.6099% | 908 |
| Pretax return on assets | 1.6099% | 1,471 |
| Return on Equity (ROE) | 16.8094% | 548 |
| Retained earnings to average equity (ytd only) | -3.3677% | 5,231 |
| Net charge-offs to loans | 0.2619% | 614 |
| Credit loss provision to net charge-offs | 103.2468% | 1,971 |
| Earnings coverage of net charge-offs (x) | 8.4253% | 2,476 |
| Efficiency ratio | 75.4145% | 1,504 |
| Assets per employee ($millions) | 2.3335% | 5,377 |
| Cash dividends to net income (ytd only)* | 120.0347% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,330 |
| Loan loss allowance to noncurrent loans | 64.7147% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 2.2479% | 422 |
| Noncurrent loans to loans | 1.9601% | 773 |
| Net loans and leases to total assets | 81.5187% | 767 |
| Net loans and leases to deposits | 93.3529% | 1,429 |
| Net loans and leases to core deposits | 96.3756% | 2,026 |
| Total domestic deposits to total assets | 87.3232% | 1,713 |
| Equity capital to assets | 9.4450% | 4,157 |
| Core capital (leverage) ratio | 9.4386% | 4,190 |
| Tier 1 risk-based capital ratio | 13.0932% | 3,853 |
| Total risk-based capital ratio | 14.3456% | 3,766 |
| Memoranda: | ||
| Average total assets | $286,472,330 | 2,248 |
| Average earning assets | $267,154,670 | 2,230 |
| Average equity | $27,437,000 | 2,505 |
| Average total loans | $235,177,000 | 1,919 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0881% | 121 |
| Cost of funding earning assets | 0.7122% | 1,378 |
| Net interest margin | 5.3759% | 124 |
| Noninterest income to average assets | 2.4962% | 197 |
| Noninterest expense to average assets | 6.3089% | 131 |
| Loan and lease loss provision to assets | 0.3187% | 395 |
| Net operating income to assets | 0.8693% | 3,417 |
| Return on assets (ROA) | 0.8693% | 3,434 |
| Pretax return on assets | 0.8693% | 3,950 |
| Return on Equity (ROE) | 9.0142% | 2,902 |
| Retained earnings to average equity (ytd only) | -2.1883% | 5,025 |
| Net charge-offs to loans | 0.3688% | 425 |
| Credit loss provision to net charge-offs | 105.5556% | 1,493 |
| Earnings coverage of net charge-offs (x) | 3.9352% | 2,346 |
| Efficiency ratio | 84.1536% | 788 |
| Assets per employee ($millions) | 2.3973% | 5,418 |
| Cash dividends to net income (ytd only)* | 124.2765% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,376 |
| Loan loss allowance to noncurrent loans | 58.8880% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.8122% | 299 |
| Noncurrent loans to loans | 2.1631% | 704 |
| Net loans and leases to total assets | 81.0389% | 785 |
| Net loans and leases to deposits | 91.7886% | 1,478 |
| Net loans and leases to core deposits | 98.3837% | 1,813 |
| Total domestic deposits to total assets | 88.2886% | 1,468 |
| Equity capital to assets | 9.5722% | 4,019 |
| Core capital (leverage) ratio | 9.5361% | 4,029 |
| Tier 1 risk-based capital ratio | 13.3384% | 3,752 |
| Total risk-based capital ratio | 14.5909% | 3,663 |
| Memoranda: | ||
| Average total assets | $286,198,500 | 2,273 |
| Average earning assets | $266,226,000 | 2,263 |
| Average equity | $27,601,000 | 2,518 |
| Average total loans | $234,275,000 | 1,937 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0392% | 126 |
| Cost of funding earning assets | 0.5462% | 1,982 |
| Net interest margin | 5.4929% | 104 |
| Noninterest income to average assets | 2.2368% | 252 |
| Noninterest expense to average assets | 4.6450% | 279 |
| Loan and lease loss provision to assets | 0.4396% | 319 |
| Net operating income to assets | 2.2466% | 178 |
| Return on assets (ROA) | 2.2469% | 179 |
| Pretax return on assets | 2.2469% | 293 |
| Return on Equity (ROE) | 23.9197% | 80 |
| Retained earnings to average equity (ytd only) | 5.2334% | 1,978 |
| Net charge-offs to loans | 0.5106% | 459 |
| Credit loss provision to net charge-offs | 105.3512% | 2,441 |
| Earnings coverage of net charge-offs (x) | 6.4373% | 3,177 |
| Efficiency ratio | 63.3590% | 3,703 |
| Assets per employee ($millions) | 2.3926% | 5,493 |
| Cash dividends to net income (ytd only)* | 78.1211% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,274 |
| Loan loss allowance to noncurrent loans | 56.2523% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 3.0700% | 256 |
| Noncurrent loans to loans | 2.2916% | 619 |
| Net loans and leases to total assets | 80.5759% | 885 |
| Net loans and leases to deposits | 91.9857% | 1,524 |
| Net loans and leases to core deposits | 98.3044% | 1,843 |
| Total domestic deposits to total assets | 87.5962% | 1,703 |
| Equity capital to assets | 9.7166% | 4,011 |
| Core capital (leverage) ratio | 9.6500% | 3,867 |
| Tier 1 risk-based capital ratio | 13.1322% | 3,827 |
| Total risk-based capital ratio | 14.3843% | 3,745 |
| Memoranda: | ||
| Average total assets | $286,610,800 | 2,249 |
| Average earning assets | $265,814,400 | 2,243 |
| Average equity | $26,923,400 | 2,553 |
| Average total loans | $234,235,600 | 1,910 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 131 |
| Cost of funding earning assets | 0.5210% | 2,103 |
| Net interest margin | 5.4795% | 107 |
| Noninterest income to average assets | 2.0179% | 302 |
| Noninterest expense to average assets | 4.6383% | 279 |
| Loan and lease loss provision to assets | 0.4180% | 317 |
| Net operating income to assets | 2.0416% | 294 |
| Return on assets (ROA) | 2.0421% | 302 |
| Pretax return on assets | 2.0421% | 507 |
| Return on Equity (ROE) | 21.9258% | 141 |
| Retained earnings to average equity (ytd only) | 6.8166% | 1,790 |
| Net charge-offs to loans | 0.4738% | 435 |
| Credit loss provision to net charge-offs | 107.9137% | 2,170 |
| Earnings coverage of net charge-offs (x) | 6.3501% | 2,992 |
| Efficiency ratio | 65.3471% | 3,321 |
| Assets per employee ($millions) | 2.4396% | 5,539 |
| Cash dividends to net income (ytd only)* | 68.9106% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,548 |
| Loan loss allowance to noncurrent loans | 49.8918% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.5244% | 212 |
| Noncurrent loans to loans | 2.5368% | 590 |
| Net loans and leases to total assets | 80.5591% | 906 |
| Net loans and leases to deposits | 93.2133% | 1,393 |
| Net loans and leases to core deposits | 95.9062% | 2,085 |
| Total domestic deposits to total assets | 86.4244% | 2,124 |
| Equity capital to assets | 9.5176% | 4,426 |
| Core capital (leverage) ratio | 9.7178% | 3,915 |
| Tier 1 risk-based capital ratio | 12.9425% | 4,049 |
| Total risk-based capital ratio | 14.1945% | 3,954 |
| Memoranda: | ||
| Average total assets | $287,083,750 | 2,256 |
| Average earning assets | $266,151,250 | 2,248 |
| Average equity | $26,738,000 | 2,580 |
| Average total loans | $234,691,750 | 1,915 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 139 |
| Cost of funding earning assets | 0.5098% | 2,093 |
| Net interest margin | 5.3917% | 124 |
| Noninterest income to average assets | 1.8902% | 345 |
| Noninterest expense to average assets | 4.5600% | 299 |
| Loan and lease loss provision to assets | 0.4266% | 295 |
| Net operating income to assets | 1.9035% | 371 |
| Return on assets (ROA) | 1.9042% | 381 |
| Pretax return on assets | 1.9042% | 643 |
| Return on Equity (ROE) | 20.5973% | 196 |
| Retained earnings to average equity (ytd only) | 4.0317% | 3,313 |
| Net charge-offs to loans | 0.4676% | 427 |
| Credit loss provision to net charge-offs | 111.5174% | 1,868 |
| Earnings coverage of net charge-offs (x) | 6.0914% | 2,746 |
| Efficiency ratio | 66.1829% | 3,322 |
| Assets per employee ($millions) | 2.3803% | 5,597 |
| Cash dividends to net income (ytd only)* | 80.4260% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,499 |
| Loan loss allowance to noncurrent loans | 34.8824% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 4.5036% | 134 |
| Noncurrent loans to loans | 3.6774% | 290 |
| Net loans and leases to total assets | 80.6909% | 853 |
| Net loans and leases to deposits | 90.6621% | 1,647 |
| Net loans and leases to core deposits | 99.6145% | 1,676 |
| Total domestic deposits to total assets | 89.0018% | 954 |
| Equity capital to assets | 9.3857% | 4,529 |
| Core capital (leverage) ratio | 9.3222% | 4,338 |
| Tier 1 risk-based capital ratio | 12.6225% | 4,228 |
| Total risk-based capital ratio | 13.8746% | 4,142 |
| Memoranda: | ||
| Average total assets | $286,006,330 | 2,271 |
| Average earning assets | $265,221,000 | 2,267 |
| Average equity | $26,440,330 | 2,597 |
| Average total loans | $233,964,330 | 1,926 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 159 |
| Cost of funding earning assets | 0.4975% | 2,108 |
| Net interest margin | 5.2919% | 138 |
| Noninterest income to average assets | 1.6213% | 423 |
| Noninterest expense to average assets | 4.2727% | 398 |
| Loan and lease loss provision to assets | 0.4403% | 244 |
| Net operating income to assets | 1.8142% | 437 |
| Return on assets (ROA) | 1.8156% | 444 |
| Pretax return on assets | 1.8156% | 765 |
| Return on Equity (ROE) | 19.7898% | 238 |
| Retained earnings to average equity (ytd only) | 7.9068% | 1,504 |
| Net charge-offs to loans | 0.5158% | 355 |
| Credit loss provision to net charge-offs | 104.3046% | 1,522 |
| Earnings coverage of net charge-offs (x) | 5.3411% | 2,303 |
| Efficiency ratio | 65.4604% | 3,579 |
| Assets per employee ($millions) | 2.5049% | 5,620 |
| Cash dividends to net income (ytd only)* | 60.0462% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,876 |
| Loan loss allowance to noncurrent loans | 46.9248% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 3.7269% | 219 |
| Noncurrent loans to loans | 2.6488% | 574 |
| Net loans and leases to total assets | 81.2281% | 669 |
| Net loans and leases to deposits | 92.8964% | 1,234 |
| Net loans and leases to core deposits | 102.4488% | 1,335 |
| Total domestic deposits to total assets | 87.4395% | 2,020 |
| Equity capital to assets | 9.2422% | 4,574 |
| Core capital (leverage) ratio | 9.3246% | 4,313 |
| Tier 1 risk-based capital ratio | 12.4456% | 4,416 |
| Total risk-based capital ratio | 13.6963% | 4,321 |
| Memoranda: | ||
| Average total assets | $286,190,500 | 2,282 |
| Average earning assets | $265,309,500 | 2,279 |
| Average equity | $26,256,000 | 2,618 |
| Average total loans | $234,207,000 | 1,932 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0095% | 126 |
| Cost of funding earning assets | 0.4779% | 2,275 |
| Net interest margin | 5.5316% | 104 |
| Noninterest income to average assets | 1.9156% | 361 |
| Noninterest expense to average assets | 4.6464% | 333 |
| Loan and lease loss provision to assets | 0.3429% | 503 |
| Net operating income to assets | 2.0263% | 300 |
| Return on assets (ROA) | 2.0296% | 309 |
| Pretax return on assets | 2.0296% | 463 |
| Return on Equity (ROE) | 21.8078% | 152 |
| Retained earnings to average equity (ytd only) | 4.7342% | 2,525 |
| Net charge-offs to loans | 0.3426% | 797 |
| Credit loss provision to net charge-offs | 122.6684% | 2,172 |
| Earnings coverage of net charge-offs (x) | 8.4767% | 2,866 |
| Efficiency ratio | 66.2297% | 3,561 |
| Assets per employee ($millions) | 2.4723% | 5,670 |
| Cash dividends to net income (ytd only)* | 78.2911% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,725 |
| Loan loss allowance to noncurrent loans | 44.2833% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 3.6488% | 230 |
| Noncurrent loans to loans | 2.8603% | 497 |
| Net loans and leases to total assets | 80.3849% | 833 |
| Net loans and leases to deposits | 93.4202% | 1,257 |
| Net loans and leases to core deposits | 100.9118% | 1,550 |
| Total domestic deposits to total assets | 86.0467% | 2,556 |
| Equity capital to assets | 9.1055% | 4,704 |
| Core capital (leverage) ratio | 9.3576% | 4,272 |
| Tier 1 risk-based capital ratio | 12.4155% | 4,434 |
| Total risk-based capital ratio | 13.6674% | 4,317 |
| Memoranda: | ||
| Average total assets | $276,212,400 | 2,309 |
| Average earning assets | $254,664,000 | 2,326 |
| Average equity | $25,706,400 | 2,662 |
| Average total loans | $225,368,400 | 1,944 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0349% | 117 |
| Cost of funding earning assets | 0.4707% | 2,359 |
| Net interest margin | 5.5642% | 103 |
| Noninterest income to average assets | 1.9334% | 365 |
| Noninterest expense to average assets | 4.6220% | 341 |
| Loan and lease loss provision to assets | 0.3637% | 429 |
| Net operating income to assets | 2.0696% | 307 |
| Return on assets (ROA) | 2.0740% | 318 |
| Pretax return on assets | 2.0740% | 490 |
| Return on Equity (ROE) | 22.1602% | 156 |
| Retained earnings to average equity (ytd only) | 9.3785% | 718 |
| Net charge-offs to loans | 0.3675% | 607 |
| Credit loss provision to net charge-offs | 121.2318% | 2,074 |
| Earnings coverage of net charge-offs (x) | 8.1102% | 2,810 |
| Efficiency ratio | 65.5111% | 3,676 |
| Assets per employee ($millions) | 2.4898% | 5,726 |
| Cash dividends to net income (ytd only)* | 57.6789% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,866 |
| Loan loss allowance to noncurrent loans | 57.8990% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.0517% | 373 |
| Noncurrent loans to loans | 2.1842% | 862 |
| Net loans and leases to total assets | 79.4383% | 979 |
| Net loans and leases to deposits | 96.0916% | 1,039 |
| Net loans and leases to core deposits | 104.7644% | 1,288 |
| Total domestic deposits to total assets | 82.6693% | 3,718 |
| Equity capital to assets | 9.6101% | 4,547 |
| Core capital (leverage) ratio | 9.6075% | 4,044 |
| Tier 1 risk-based capital ratio | 12.7532% | 4,311 |
| Total risk-based capital ratio | 14.0047% | 4,219 |
| Memoranda: | ||
| Average total assets | $274,187,500 | 2,334 |
| Average earning assets | $252,391,250 | 2,352 |
| Average equity | $25,661,000 | 2,684 |
| Average total loans | $223,841,500 | 1,958 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 124 |
| Cost of funding earning assets | 0.4635% | 2,443 |
| Net interest margin | 5.5581% | 103 |
| Noninterest income to average assets | 1.7271% | 426 |
| Noninterest expense to average assets | 4.5621% | 364 |
| Loan and lease loss provision to assets | 0.3565% | 456 |
| Net operating income to assets | 1.9242% | 384 |
| Return on assets (ROA) | 1.9242% | 400 |
| Pretax return on assets | 1.9242% | 665 |
| Return on Equity (ROE) | 20.7544% | 206 |
| Retained earnings to average equity (ytd only) | 6.9022% | 1,656 |
| Net charge-offs to loans | 0.3544% | 661 |
| Credit loss provision to net charge-offs | 122.5888% | 1,834 |
| Earnings coverage of net charge-offs (x) | 7.8426% | 2,588 |
| Efficiency ratio | 66.6703% | 3,578 |
| Assets per employee ($millions) | 2.5315% | 5,767 |
| Cash dividends to net income (ytd only)* | 66.7434% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 3,156 |
| Loan loss allowance to noncurrent loans | 50.9397% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.4661% | 311 |
| Noncurrent loans to loans | 2.4259% | 737 |
| Net loans and leases to total assets | 81.6809% | 662 |
| Net loans and leases to deposits | 95.4470% | 1,139 |
| Net loans and leases to core deposits | 102.9436% | 1,404 |
| Total domestic deposits to total assets | 85.5772% | 2,617 |
| Equity capital to assets | 9.5235% | 4,746 |
| Core capital (leverage) ratio | 9.5124% | 4,191 |
| Tier 1 risk-based capital ratio | 12.4840% | 4,540 |
| Total risk-based capital ratio | 13.7358% | 4,443 |
| Memoranda: | ||
| Average total assets | $270,970,670 | 2,376 |
| Average earning assets | $249,402,330 | 2,383 |
| Average equity | $25,122,330 | 2,730 |
| Average total loans | $222,334,000 | 1,970 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9717% | 129 |
| Cost of funding earning assets | 0.4555% | 2,525 |
| Net interest margin | 5.5162% | 113 |
| Noninterest income to average assets | 1.5568% | 482 |
| Noninterest expense to average assets | 4.3934% | 426 |
| Loan and lease loss provision to assets | 0.2245% | 835 |
| Net operating income to assets | 2.0148% | 324 |
| Return on assets (ROA) | 2.0148% | 337 |
| Pretax return on assets | 2.0148% | 546 |
| Return on Equity (ROE) | 22.0443% | 157 |
| Retained earnings to average equity (ytd only) | 13.2004% | 373 |
| Net charge-offs to loans | 0.1301% | 1,323 |
| Credit loss provision to net charge-offs | 211.2676% | 1,042 |
| Earnings coverage of net charge-offs (x) | 21.0704% | 1,440 |
| Efficiency ratio | 66.2379% | 3,759 |
| Assets per employee ($millions) | 2.4876% | 5,851 |
| Cash dividends to net income (ytd only)* | 40.1189% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 3,047 |
| Loan loss allowance to noncurrent loans | 55.0466% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 3.5690% | 307 |
| Noncurrent loans to loans | 2.3108% | 864 |
| Net loans and leases to total assets | 81.1797% | 662 |
| Net loans and leases to deposits | 92.6725% | 1,268 |
| Net loans and leases to core deposits | 99.8145% | 1,496 |
| Total domestic deposits to total assets | 87.5984% | 1,868 |
| Equity capital to assets | 9.1232% | 5,063 |
| Core capital (leverage) ratio | 9.1058% | 4,730 |
| Tier 1 risk-based capital ratio | 12.0601% | 4,879 |
| Total risk-based capital ratio | 13.3124% | 4,794 |
| Memoranda: | ||
| Average total assets | $267,221,500 | 2,412 |
| Average earning assets | $245,895,000 | 2,423 |
| Average equity | $24,423,500 | 2,793 |
| Average total loans | $218,350,000 | 1,997 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0015% | 131 |
| Cost of funding earning assets | 0.4040% | 3,112 |
| Net interest margin | 5.5975% | 106 |
| Noninterest income to average assets | 1.3827% | 631 |
| Noninterest expense to average assets | 4.3056% | 484 |
| Loan and lease loss provision to assets | 0.3552% | 409 |
| Net operating income to assets | 1.8362% | 458 |
| Return on assets (ROA) | 1.8362% | 466 |
| Pretax return on assets | 1.8362% | 746 |
| Return on Equity (ROE) | 19.0206% | 306 |
| Retained earnings to average equity (ytd only) | 0.6256% | 5,267 |
| Net charge-offs to loans | 0.3217% | 929 |
| Credit loss provision to net charge-offs | 137.2488% | 1,907 |
| Earnings coverage of net charge-offs (x) | 8.4683% | 2,945 |
| Efficiency ratio | 66.2706% | 3,861 |
| Assets per employee ($millions) | 2.4607% | 5,908 |
| Cash dividends to net income (ytd only)* | 96.7110% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,963 |
| Loan loss allowance to noncurrent loans | 52.6346% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.7562% | 289 |
| Noncurrent loans to loans | 2.4505% | 763 |
| Net loans and leases to total assets | 80.1344% | 830 |
| Net loans and leases to deposits | 93.8656% | 1,211 |
| Net loans and leases to core deposits | 99.2675% | 1,574 |
| Total domestic deposits to total assets | 85.3714% | 2,912 |
| Equity capital to assets | 9.1569% | 4,962 |
| Core capital (leverage) ratio | 9.2073% | 4,604 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,012 |
| Total risk-based capital ratio | 13.1659% | 4,910 |
| Memoranda: | ||
| Average total assets | $250,022,200 | 2,507 |
| Average earning assets | $228,442,800 | 2,522 |
| Average equity | $24,137,000 | 2,771 |
| Average total loans | $201,090,000 | 2,059 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0536% | 129 |
| Cost of funding earning assets | 0.3905% | 3,317 |
| Net interest margin | 5.6632% | 98 |
| Noninterest income to average assets | 1.3738% | 653 |
| Noninterest expense to average assets | 4.2625% | 508 |
| Loan and lease loss provision to assets | 0.3848% | 321 |
| Net operating income to assets | 1.8921% | 434 |
| Return on assets (ROA) | 1.8927% | 455 |
| Pretax return on assets | 1.8927% | 740 |
| Return on Equity (ROE) | 19.3392% | 314 |
| Retained earnings to average equity (ytd only) | 2.6894% | 4,502 |
| Net charge-offs to loans | 0.3227% | 823 |
| Credit loss provision to net charge-offs | 148.6430% | 1,697 |
| Earnings coverage of net charge-offs (x) | 8.7954% | 2,766 |
| Efficiency ratio | 65.1818% | 4,036 |
| Assets per employee ($millions) | 2.4161% | 5,994 |
| Cash dividends to net income (ytd only)* | 86.0936% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 2,739 |
| Loan loss allowance to noncurrent loans | 60.1532% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 4.0292% | 293 |
| Noncurrent loans to loans | 2.2773% | 946 |
| Net loans and leases to total assets | 79.5323% | 878 |
| Net loans and leases to deposits | 90.1881% | 1,619 |
| Net loans and leases to core deposits | 95.9115% | 1,893 |
| Total domestic deposits to total assets | 88.1849% | 1,462 |
| Equity capital to assets | 9.8304% | 4,362 |
| Core capital (leverage) ratio | 9.5975% | 4,168 |
| Tier 1 risk-based capital ratio | 12.7050% | 4,608 |
| Total risk-based capital ratio | 13.9576% | 4,516 |
| Memoranda: | ||
| Average total assets | $246,702,750 | 2,552 |
| Average earning assets | $225,026,750 | 2,568 |
| Average equity | $24,143,750 | 2,791 |
| Average total loans | $197,924,750 | 2,089 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 137 |
| Cost of funding earning assets | 0.3746% | 3,555 |
| Net interest margin | 5.5901% | 111 |
| Noninterest income to average assets | 1.2814% | 748 |
| Noninterest expense to average assets | 4.1149% | 601 |
| Loan and lease loss provision to assets | 0.4472% | 242 |
| Net operating income to assets | 1.8148% | 497 |
| Return on assets (ROA) | 1.8148% | 519 |
| Pretax return on assets | 1.8148% | 870 |
| Return on Equity (ROE) | 18.5714% | 370 |
| Retained earnings to average equity (ytd only) | -1.1482% | 5,713 |
| Net charge-offs to loans | 0.3198% | 820 |
| Credit loss provision to net charge-offs | 174.6032% | 1,377 |
| Earnings coverage of net charge-offs (x) | 8.8317% | 2,527 |
| Efficiency ratio | 64.5289% | 4,270 |
| Assets per employee ($millions) | 2.4215% | 6,072 |
| Cash dividends to net income (ytd only)* | 106.1828% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,750 |
| Loan loss allowance to noncurrent loans | 44.3710% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 4.8845% | 237 |
| Noncurrent loans to loans | 3.1600% | 604 |
| Net loans and leases to total assets | 79.0996% | 922 |
| Net loans and leases to deposits | 94.3747% | 1,117 |
| Net loans and leases to core deposits | 100.0900% | 1,485 |
| Total domestic deposits to total assets | 83.8144% | 3,644 |
| Equity capital to assets | 9.7113% | 4,386 |
| Core capital (leverage) ratio | 9.3631% | 4,473 |
| Tier 1 risk-based capital ratio | 12.4935% | 4,811 |
| Total risk-based capital ratio | 13.7463% | 4,726 |
| Memoranda: | ||
| Average total assets | $245,983,670 | 2,575 |
| Average earning assets | $224,216,330 | 2,591 |
| Average equity | $24,037,000 | 2,811 |
| Average total loans | $197,008,670 | 2,106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8975% | 144 |
| Cost of funding earning assets | 0.3647% | 3,697 |
| Net interest margin | 5.5328% | 118 |
| Noninterest income to average assets | 1.0637% | 998 |
| Noninterest expense to average assets | 3.7034% | 1,008 |
| Loan and lease loss provision to assets | 0.4864% | 217 |
| Net operating income to assets | 1.9166% | 394 |
| Return on assets (ROA) | 1.9166% | 419 |
| Pretax return on assets | 1.9166% | 694 |
| Return on Equity (ROE) | 19.5533% | 289 |
| Retained earnings to average equity (ytd only) | 3.6725% | 3,806 |
| Net charge-offs to loans | 0.3283% | 737 |
| Credit loss provision to net charge-offs | 185.1852% | 1,102 |
| Earnings coverage of net charge-offs (x) | 9.1481% | 2,025 |
| Efficiency ratio | 60.6479% | 5,012 |
| Assets per employee ($millions) | 2.6080% | 6,040 |
| Cash dividends to net income (ytd only)* | 81.2183% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 3,271 |
| Loan loss allowance to noncurrent loans | 53.2504% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 4.3587% | 314 |
| Noncurrent loans to loans | 2.4903% | 977 |
| Net loans and leases to total assets | 78.8761% | 815 |
| Net loans and leases to deposits | 94.7738% | 914 |
| Net loans and leases to core deposits | 106.4684% | 908 |
| Total domestic deposits to total assets | 83.2257% | 4,109 |
| Equity capital to assets | 9.7300% | 4,461 |
| Core capital (leverage) ratio | 9.5857% | 4,165 |
| Tier 1 risk-based capital ratio | 12.7916% | 4,730 |
| Total risk-based capital ratio | 14.0442% | 4,651 |
| Memoranda: | ||
| Average total assets | $246,690,500 | 2,588 |
| Average earning assets | $224,842,000 | 2,597 |
| Average equity | $24,180,000 | 2,811 |
| Average total loans | $197,410,500 | 2,109 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2208% | 118 |
| Cost of funding earning assets | 0.3977% | 3,712 |
| Net interest margin | 5.8232% | 94 |
| Noninterest income to average assets | 1.0854% | 1,035 |
| Noninterest expense to average assets | 3.6863% | 1,178 |
| Loan and lease loss provision to assets | 0.5089% | 298 |
| Net operating income to assets | 2.2162% | 218 |
| Return on assets (ROA) | 2.2166% | 219 |
| Pretax return on assets | 2.2166% | 304 |
| Return on Equity (ROE) | 22.9303% | 151 |
| Retained earnings to average equity (ytd only) | 4.5391% | 2,941 |
| Net charge-offs to loans | 0.6274% | 628 |
| Credit loss provision to net charge-offs | 101.3969% | 2,358 |
| Earnings coverage of net charge-offs (x) | 5.4297% | 3,420 |
| Efficiency ratio | 57.4966% | 5,515 |
| Assets per employee ($millions) | 2.5314% | 6,138 |
| Cash dividends to net income (ytd only)* | 80.2047% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 3,466 |
| Loan loss allowance to noncurrent loans | 50.8180% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 4.2899% | 377 |
| Noncurrent loans to loans | 2.5431% | 995 |
| Net loans and leases to total assets | 79.0782% | 873 |
| Net loans and leases to deposits | 96.5411% | 865 |
| Net loans and leases to core deposits | 103.3222% | 1,164 |
| Total domestic deposits to total assets | 81.9114% | 4,452 |
| Equity capital to assets | 9.8757% | 4,260 |
| Core capital (leverage) ratio | 9.5837% | 4,127 |
| Tier 1 risk-based capital ratio | 13.1306% | 4,637 |
| Total risk-based capital ratio | 14.3828% | 4,557 |
| Memoranda: | ||
| Average total assets | $242,491,400 | 2,594 |
| Average earning assets | $221,787,000 | 2,606 |
| Average equity | $23,440,600 | 2,810 |
| Average total loans | $193,985,200 | 2,080 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1636% | 133 |
| Cost of funding earning assets | 0.4033% | 3,758 |
| Net interest margin | 5.7603% | 99 |
| Noninterest income to average assets | 1.1421% | 921 |
| Noninterest expense to average assets | 3.6881% | 1,140 |
| Loan and lease loss provision to assets | 0.5193% | 286 |
| Net operating income to assets | 2.2071% | 235 |
| Return on assets (ROA) | 2.2077% | 241 |
| Pretax return on assets | 2.2077% | 364 |
| Return on Equity (ROE) | 22.9627% | 157 |
| Retained earnings to average equity (ytd only) | 6.4488% | 2,133 |
| Net charge-offs to loans | 0.6646% | 533 |
| Credit loss provision to net charge-offs | 97.7226% | 2,281 |
| Earnings coverage of net charge-offs (x) | 5.1304% | 3,317 |
| Efficiency ratio | 57.4957% | 5,511 |
| Assets per employee ($millions) | 2.7010% | 6,086 |
| Cash dividends to net income (ytd only)* | 71.9162% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 3,830 |
| Loan loss allowance to noncurrent loans | 67.5300% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 3.4432% | 629 |
| Noncurrent loans to loans | 1.8768% | 1,703 |
| Net loans and leases to total assets | 78.5086% | 897 |
| Net loans and leases to deposits | 94.6557% | 979 |
| Net loans and leases to core deposits | 107.1842% | 892 |
| Total domestic deposits to total assets | 82.9412% | 4,168 |
| Equity capital to assets | 9.8055% | 4,412 |
| Core capital (leverage) ratio | 9.5570% | 4,296 |
| Tier 1 risk-based capital ratio | 13.1990% | 4,728 |
| Total risk-based capital ratio | 14.4509% | 4,662 |
| Memoranda: | ||
| Average total assets | $242,361,750 | 2,609 |
| Average earning assets | $221,833,250 | 2,618 |
| Average equity | $23,301,000 | 2,827 |
| Average total loans | $193,810,500 | 2,094 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0740% | 139 |
| Cost of funding earning assets | 0.4053% | 3,819 |
| Net interest margin | 5.6687% | 107 |
| Noninterest income to average assets | 1.1890% | 829 |
| Noninterest expense to average assets | 3.5545% | 1,380 |
| Loan and lease loss provision to assets | 0.5472% | 266 |
| Net operating income to assets | 2.2826% | 196 |
| Return on assets (ROA) | 2.2826% | 206 |
| Pretax return on assets | 2.2826% | 313 |
| Return on Equity (ROE) | 23.9035% | 142 |
| Retained earnings to average equity (ytd only) | 4.8363% | 3,067 |
| Net charge-offs to loans | 0.7027% | 545 |
| Credit loss provision to net charge-offs | 97.2018% | 2,057 |
| Earnings coverage of net charge-offs (x) | 5.0265% | 2,998 |
| Efficiency ratio | 55.6753% | 5,777 |
| Assets per employee ($millions) | 2.8558% | 5,952 |
| Cash dividends to net income (ytd only)* | 79.7675% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 3,973 |
| Loan loss allowance to noncurrent loans | 44.8301% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 4.3828% | 449 |
| Noncurrent loans to loans | 2.8525% | 1,049 |
| Net loans and leases to total assets | 78.8704% | 805 |
| Net loans and leases to deposits | 92.0509% | 1,146 |
| Net loans and leases to core deposits | 105.5174% | 924 |
| Total domestic deposits to total assets | 85.6813% | 3,202 |
| Equity capital to assets | 9.6987% | 4,493 |
| Core capital (leverage) ratio | 9.3896% | 4,480 |
| Tier 1 risk-based capital ratio | 13.0825% | 4,867 |
| Total risk-based capital ratio | 14.3350% | 4,797 |
| Memoranda: | ||
| Average total assets | $241,218,670 | 2,631 |
| Average earning assets | $221,072,330 | 2,633 |
| Average equity | $23,034,330 | 2,845 |
| Average total loans | $193,266,000 | 2,104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9542% | 154 |
| Cost of funding earning assets | 0.4055% | 3,900 |
| Net interest margin | 5.5487% | 122 |
| Noninterest income to average assets | 1.0480% | 1,017 |
| Noninterest expense to average assets | 3.4069% | 1,689 |
| Loan and lease loss provision to assets | 0.4242% | 392 |
| Net operating income to assets | 2.3156% | 196 |
| Return on assets (ROA) | 2.3156% | 206 |
| Pretax return on assets | 2.3156% | 302 |
| Return on Equity (ROE) | 24.4425% | 136 |
| Retained earnings to average equity (ytd only) | 8.7972% | 1,312 |
| Net charge-offs to loans | 0.4561% | 795 |
| Credit loss provision to net charge-offs | 115.9091% | 1,493 |
| Earnings coverage of net charge-offs (x) | 7.4864% | 2,116 |
| Efficiency ratio | 55.4263% | 5,881 |
| Assets per employee ($millions) | 2.9023% | 5,975 |
| Cash dividends to net income (ytd only)* | 64.0086% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,147 |
| Loan loss allowance to noncurrent loans | 46.4784% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 4.1141% | 560 |
| Noncurrent loans to loans | 2.7880% | 1,198 |
| Net loans and leases to total assets | 79.1712% | 639 |
| Net loans and leases to deposits | 92.4672% | 916 |
| Net loans and leases to core deposits | 104.7076% | 816 |
| Total domestic deposits to total assets | 85.6208% | 3,550 |
| Equity capital to assets | 9.5530% | 4,422 |
| Core capital (leverage) ratio | 9.4014% | 4,419 |
| Tier 1 risk-based capital ratio | 12.6047% | 5,252 |
| Total risk-based capital ratio | 13.8567% | 5,190 |
| Memoranda: | ||
| Average total assets | $240,455,500 | 2,640 |
| Average earning assets | $220,951,500 | 2,642 |
| Average equity | $22,780,000 | 2,863 |
| Average total loans | $192,932,000 | 2,113 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1823% | 129 |
| Cost of funding earning assets | 0.4868% | 3,746 |
| Net interest margin | 5.6955% | 103 |
| Noninterest income to average assets | 0.9275% | 1,588 |
| Noninterest expense to average assets | 3.3694% | 1,948 |
| Loan and lease loss provision to assets | 0.3295% | 982 |
| Net operating income to assets | 2.4586% | 180 |
| Return on assets (ROA) | 2.4590% | 181 |
| Pretax return on assets | 2.4590% | 212 |
| Return on Equity (ROE) | 25.1290% | 125 |
| Retained earnings to average equity (ytd only) | 0.8633% | 5,451 |
| Net charge-offs to loans | 0.3552% | 1,901 |
| Credit loss provision to net charge-offs | 117.9528% | 2,041 |
| Earnings coverage of net charge-offs (x) | 9.9795% | 2,442 |
| Efficiency ratio | 54.7195% | 6,077 |
| Assets per employee ($millions) | 2.9273% | 5,947 |
| Cash dividends to net income (ytd only)* | 96.5647% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,078 |
| Loan loss allowance to noncurrent loans | 47.7182% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 3.9104% | 689 |
| Noncurrent loans to loans | 2.7518% | 1,299 |
| Net loans and leases to total assets | 79.2083% | 681 |
| Net loans and leases to deposits | 92.2425% | 1,028 |
| Net loans and leases to core deposits | 100.1109% | 1,150 |
| Total domestic deposits to total assets | 85.8697% | 3,329 |
| Equity capital to assets | 9.3921% | 4,556 |
| Core capital (leverage) ratio | 9.5783% | 4,141 |
| Tier 1 risk-based capital ratio | 12.7614% | 5,137 |
| Total risk-based capital ratio | 14.0138% | 5,083 |
| Memoranda: | ||
| Average total assets | $227,283,400 | 2,744 |
| Average earning assets | $208,709,400 | 2,736 |
| Average equity | $22,241,200 | 2,900 |
| Average total loans | $178,770,200 | 2,208 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1973% | 131 |
| Cost of funding earning assets | 0.5026% | 3,743 |
| Net interest margin | 5.6947% | 106 |
| Noninterest income to average assets | 0.8255% | 2,031 |
| Noninterest expense to average assets | 3.3453% | 1,960 |
| Loan and lease loss provision to assets | 0.3410% | 954 |
| Net operating income to assets | 2.3603% | 201 |
| Return on assets (ROA) | 2.3609% | 212 |
| Pretax return on assets | 2.3609% | 294 |
| Return on Equity (ROE) | 23.8728% | 145 |
| Retained earnings to average equity (ytd only) | -2.6805% | 6,332 |
| Net charge-offs to loans | 0.3821% | 1,680 |
| Credit loss provision to net charge-offs | 114.0873% | 2,062 |
| Earnings coverage of net charge-offs (x) | 9.0377% | 2,536 |
| Efficiency ratio | 55.3256% | 5,990 |
| Assets per employee ($millions) | 2.8062% | 6,140 |
| Cash dividends to net income (ytd only)* | 111.2282% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 4,020 |
| Loan loss allowance to noncurrent loans | 52.5572% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.9621% | 790 |
| Noncurrent loans to loans | 2.6098% | 1,630 |
| Net loans and leases to total assets | 77.6944% | 784 |
| Net loans and leases to deposits | 88.1216% | 1,350 |
| Net loans and leases to core deposits | 95.4879% | 1,433 |
| Total domestic deposits to total assets | 88.1673% | 2,018 |
| Equity capital to assets | 9.5758% | 4,453 |
| Core capital (leverage) ratio | 9.5215% | 4,367 |
| Tier 1 risk-based capital ratio | 12.9194% | 5,176 |
| Total risk-based capital ratio | 14.1722% | 5,116 |
| Memoranda: | ||
| Average total assets | $224,825,750 | 2,789 |
| Average earning assets | $206,127,000 | 2,788 |
| Average equity | $22,234,000 | 2,934 |
| Average total loans | $175,884,500 | 2,250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0993% | 154 |
| Cost of funding earning assets | 0.5188% | 3,714 |
| Net interest margin | 5.5805% | 121 |
| Noninterest income to average assets | 0.7429% | 2,449 |
| Noninterest expense to average assets | 3.3107% | 2,043 |
| Loan and lease loss provision to assets | 0.3795% | 848 |
| Net operating income to assets | 2.1812% | 270 |
| Return on assets (ROA) | 2.1821% | 287 |
| Pretax return on assets | 2.1821% | 432 |
| Return on Equity (ROE) | 21.8312% | 210 |
| Retained earnings to average equity (ytd only) | -3.2515% | 6,341 |
| Net charge-offs to loans | 0.3844% | 1,682 |
| Credit loss provision to net charge-offs | 126.4881% | 1,783 |
| Earnings coverage of net charge-offs (x) | 8.5357% | 2,389 |
| Efficiency ratio | 56.3869% | 5,918 |
| Assets per employee ($millions) | 2.7959% | 6,168 |
| Cash dividends to net income (ytd only)* | 114.8936% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 3,896 |
| Loan loss allowance to noncurrent loans | 43.6101% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 3.9931% | 863 |
| Noncurrent loans to loans | 3.2782% | 1,339 |
| Net loans and leases to total assets | 75.3222% | 1,065 |
| Net loans and leases to deposits | 84.4945% | 1,736 |
| Net loans and leases to core deposits | 92.7827% | 1,632 |
| Total domestic deposits to total assets | 89.1446% | 1,544 |
| Equity capital to assets | 9.6694% | 4,356 |
| Core capital (leverage) ratio | 9.5251% | 4,206 |
| Tier 1 risk-based capital ratio | 13.7356% | 4,616 |
| Total risk-based capital ratio | 14.9899% | 4,582 |
| Memoranda: | ||
| Average total assets | $224,000,330 | 2,802 |
| Average earning assets | $205,859,670 | 2,798 |
| Average equity | $22,390,000 | 2,940 |
| Average total loans | $174,827,000 | 2,255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9851% | 172 |
| Cost of funding earning assets | 0.5285% | 3,800 |
| Net interest margin | 5.4566% | 128 |
| Noninterest income to average assets | 0.5818% | 3,241 |
| Noninterest expense to average assets | 3.3003% | 2,085 |
| Loan and lease loss provision to assets | 0.4489% | 633 |
| Net operating income to assets | 1.8566% | 430 |
| Return on assets (ROA) | 1.8584% | 471 |
| Pretax return on assets | 1.8584% | 789 |
| Return on Equity (ROE) | 18.2895% | 414 |
| Retained earnings to average equity (ytd only) | -8.0049% | 6,525 |
| Net charge-offs to loans | 0.4120% | 1,421 |
| Credit loss provision to net charge-offs | 138.1215% | 1,448 |
| Earnings coverage of net charge-offs (x) | 7.0939% | 2,118 |
| Efficiency ratio | 58.8725% | 5,733 |
| Assets per employee ($millions) | 2.8027% | 6,274 |
| Cash dividends to net income (ytd only)* | 143.7681% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 4,275 |
| Loan loss allowance to noncurrent loans | 44.8056% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 3.6973% | 1,123 |
| Noncurrent loans to loans | 3.1086% | 1,598 |
| Net loans and leases to total assets | 77.4835% | 667 |
| Net loans and leases to deposits | 87.3104% | 1,210 |
| Net loans and leases to core deposits | 96.6069% | 1,168 |
| Total domestic deposits to total assets | 88.7449% | 1,837 |
| Equity capital to assets | 10.0371% | 4,103 |
| Core capital (leverage) ratio | 9.6372% | 3,864 |
| Tier 1 risk-based capital ratio | 13.7074% | 4,716 |
| Total risk-based capital ratio | 14.9610% | 4,679 |
| Memoranda: | ||
| Average total assets | $222,767,000 | 2,843 |
| Average earning assets | $205,111,000 | 2,842 |
| Average equity | $22,636,000 | 2,967 |
| Average total loans | $175,713,500 | 2,262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4061% | 143 |
| Cost of funding earning assets | 0.6851% | 3,613 |
| Net interest margin | 5.7210% | 125 |
| Noninterest income to average assets | 0.8234% | 2,165 |
| Noninterest expense to average assets | 3.1509% | 2,766 |
| Loan and lease loss provision to assets | 0.5350% | 1,082 |
| Net operating income to assets | 2.3975% | 176 |
| Return on assets (ROA) | 2.3997% | 193 |
| Pretax return on assets | 2.3997% | 293 |
| Return on Equity (ROE) | 23.8716% | 159 |
| Retained earnings to average equity (ytd only) | 5.0998% | 2,642 |
| Net charge-offs to loans | 0.4512% | 2,428 |
| Credit loss provision to net charge-offs | 150.9434% | 1,806 |
| Earnings coverage of net charge-offs (x) | 8.2742% | 2,437 |
| Efficiency ratio | 51.1359% | 6,516 |
| Assets per employee ($millions) | 2.8015% | 6,315 |
| Cash dividends to net income (ytd only)* | 78.6364% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 4,348 |
| Loan loss allowance to noncurrent loans | 74.7883% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.8778% | 1,654 |
| Noncurrent loans to loans | 1.8198% | 2,889 |
| Net loans and leases to total assets | 78.1037% | 662 |
| Net loans and leases to deposits | 90.3355% | 1,050 |
| Net loans and leases to core deposits | 99.9705% | 1,029 |
| Total domestic deposits to total assets | 86.4596% | 3,120 |
| Equity capital to assets | 10.2871% | 3,775 |
| Core capital (leverage) ratio | 10.0613% | 3,327 |
| Tier 1 risk-based capital ratio | 14.0944% | 4,314 |
| Total risk-based capital ratio | 15.3479% | 4,267 |
| Memoranda: | ||
| Average total assets | $224,317,400 | 2,792 |
| Average earning assets | $206,239,400 | 2,788 |
| Average equity | $22,549,800 | 2,907 |
| Average total loans | $176,196,400 | 2,247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4417% | 148 |
| Cost of funding earning assets | 0.7051% | 3,714 |
| Net interest margin | 5.7366% | 133 |
| Noninterest income to average assets | 0.8347% | 2,099 |
| Noninterest expense to average assets | 3.1403% | 2,759 |
| Loan and lease loss provision to assets | 0.5332% | 1,110 |
| Net operating income to assets | 2.4342% | 197 |
| Return on assets (ROA) | 2.4371% | 213 |
| Pretax return on assets | 2.4371% | 324 |
| Return on Equity (ROE) | 24.3835% | 155 |
| Retained earnings to average equity (ytd only) | 7.3850% | 1,904 |
| Net charge-offs to loans | 0.4859% | 2,160 |
| Credit loss provision to net charge-offs | 139.9689% | 2,066 |
| Earnings coverage of net charge-offs (x) | 7.7901% | 2,550 |
| Efficiency ratio | 50.6305% | 6,539 |
| Assets per employee ($millions) | 2.7992% | 6,355 |
| Cash dividends to net income (ytd only)* | 69.7130% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,731 |
| Loan loss allowance to noncurrent loans | 43.2856% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 3.8885% | 1,256 |
| Noncurrent loans to loans | 3.0456% | 1,829 |
| Net loans and leases to total assets | 75.7207% | 1,011 |
| Net loans and leases to deposits | 87.3194% | 1,438 |
| Net loans and leases to core deposits | 96.7281% | 1,348 |
| Total domestic deposits to total assets | 86.7170% | 2,841 |
| Equity capital to assets | 10.4012% | 3,961 |
| Core capital (leverage) ratio | 9.9273% | 3,654 |
| Tier 1 risk-based capital ratio | 14.5673% | 4,140 |
| Total risk-based capital ratio | 15.8201% | 4,104 |
| Memoranda: | ||
| Average total assets | $225,067,750 | 2,804 |
| Average earning assets | $206,875,750 | 2,801 |
| Average equity | $22,495,500 | 2,940 |
| Average total loans | $176,435,250 | 2,279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5523% | 136 |
| Cost of funding earning assets | 0.7225% | 3,828 |
| Net interest margin | 5.8298% | 112 |
| Noninterest income to average assets | 0.8402% | 2,005 |
| Noninterest expense to average assets | 3.1240% | 2,834 |
| Loan and lease loss provision to assets | 0.5301% | 1,184 |
| Net operating income to assets | 2.5471% | 160 |
| Return on assets (ROA) | 2.5515% | 182 |
| Pretax return on assets | 2.5515% | 281 |
| Return on Equity (ROE) | 25.8700% | 136 |
| Retained earnings to average equity (ytd only) | 10.5522% | 838 |
| Net charge-offs to loans | 0.3067% | 2,804 |
| Credit loss provision to net charge-offs | 218.9781% | 1,299 |
| Earnings coverage of net charge-offs (x) | 12.7117% | 1,850 |
| Efficiency ratio | 49.6082% | 6,671 |
| Assets per employee ($millions) | 2.7657% | 6,454 |
| Cash dividends to net income (ytd only)* | 59.2105% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,791 |
| Loan loss allowance to noncurrent loans | 59.2041% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.3287% | 1,621 |
| Noncurrent loans to loans | 2.2331% | 2,691 |
| Net loans and leases to total assets | 77.7907% | 747 |
| Net loans and leases to deposits | 90.0736% | 1,143 |
| Net loans and leases to core deposits | 99.7595% | 1,112 |
| Total domestic deposits to total assets | 86.3635% | 3,157 |
| Equity capital to assets | 10.3047% | 3,932 |
| Core capital (leverage) ratio | 9.6910% | 3,847 |
| Tier 1 risk-based capital ratio | 14.3474% | 4,212 |
| Total risk-based capital ratio | 15.6003% | 4,169 |
| Memoranda: | ||
| Average total assets | $226,377,330 | 2,796 |
| Average earning assets | $208,172,670 | 2,785 |
| Average equity | $22,327,000 | 2,946 |
| Average total loans | $178,685,330 | 2,249 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2087% | 228 |
| Cost of funding earning assets | 0.7529% | 3,839 |
| Net interest margin | 5.4558% | 202 |
| Noninterest income to average assets | 0.7985% | 2,178 |
| Noninterest expense to average assets | 3.0891% | 2,953 |
| Loan and lease loss provision to assets | 0.5242% | 1,149 |
| Net operating income to assets | 2.2120% | 286 |
| Return on assets (ROA) | 2.2120% | 338 |
| Pretax return on assets | 2.2120% | 523 |
| Return on Equity (ROE) | 22.9239% | 247 |
| Retained earnings to average equity (ytd only) | 13.6891% | 602 |
| Net charge-offs to loans | 0.1615% | 3,120 |
| Credit loss provision to net charge-offs | 410.9589% | 767 |
| Earnings coverage of net charge-offs (x) | 21.4521% | 1,151 |
| Efficiency ratio | 52.2196% | 6,522 |
| Assets per employee ($millions) | 2.9735% | 6,205 |
| Cash dividends to net income (ytd only)* | 40.2844% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,410 |
| Loan loss allowance to noncurrent loans | 74.3849% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.8188% | 2,080 |
| Noncurrent loans to loans | 1.6359% | 3,653 |
| Net loans and leases to total assets | 78.2479% | 569 |
| Net loans and leases to deposits | 91.2437% | 856 |
| Net loans and leases to core deposits | 100.9489% | 929 |
| Total domestic deposits to total assets | 85.7570% | 3,656 |
| Equity capital to assets | 9.7309% | 4,478 |
| Core capital (leverage) ratio | 9.3376% | 4,303 |
| Tier 1 risk-based capital ratio | 13.5659% | 4,781 |
| Total risk-based capital ratio | 14.8176% | 4,766 |
| Memoranda: | ||
| Average total assets | $228,936,500 | 2,780 |
| Average earning assets | $210,931,500 | 2,761 |
| Average equity | $22,090,500 | 2,972 |
| Average total loans | $180,815,500 | 2,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4154% | 209 |
| Cost of funding earning assets | 0.9898% | 3,452 |
| Net interest margin | 5.4256% | 199 |
| Noninterest income to average assets | 0.9549% | 1,490 |
| Noninterest expense to average assets | 3.0479% | 3,406 |
| Loan and lease loss provision to assets | 0.5472% | 1,908 |
| Net operating income to assets | 2.3790% | 163 |
| Return on assets (ROA) | 2.3119% | 191 |
| Pretax return on assets | 2.3119% | 288 |
| Return on Equity (ROE) | 25.2279% | 100 |
| Retained earnings to average equity (ytd only) | 8.3595% | 968 |
| Net charge-offs to loans | 0.3852% | 3,484 |
| Credit loss provision to net charge-offs | 180.7229% | 1,436 |
| Earnings coverage of net charge-offs (x) | 9.6642% | 1,949 |
| Efficiency ratio | 50.1946% | 6,823 |
| Assets per employee ($millions) | 2.9348% | 6,220 |
| Cash dividends to net income (ytd only)* | 66.8639% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,818 |
| Loan loss allowance to noncurrent loans | 54.5906% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.0593% | 1,959 |
| Noncurrent loans to loans | 2.0120% | 3,190 |
| Net loans and leases to total assets | 77.8844% | 722 |
| Net loans and leases to deposits | 97.0222% | 624 |
| Net loans and leases to core deposits | 107.4491% | 733 |
| Total domestic deposits to total assets | 80.2749% | 5,667 |
| Equity capital to assets | 9.5675% | 4,783 |
| Core capital (leverage) ratio | 9.1668% | 4,519 |
| Tier 1 risk-based capital ratio | 13.1619% | 4,952 |
| Total risk-based capital ratio | 14.4120% | 4,928 |
| Memoranda: | ||
| Average total assets | $219,295,400 | 2,847 |
| Average earning assets | $202,872,400 | 2,816 |
| Average equity | $20,096,800 | 3,125 |
| Average total loans | $172,383,600 | 2,350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4262% | 216 |
| Cost of funding earning assets | 1.0260% | 3,494 |
| Net interest margin | 5.4002% | 208 |
| Noninterest income to average assets | 0.9325% | 1,540 |
| Noninterest expense to average assets | 3.0546% | 3,332 |
| Loan and lease loss provision to assets | 0.5533% | 1,776 |
| Net operating income to assets | 2.3268% | 201 |
| Return on assets (ROA) | 2.2364% | 261 |
| Pretax return on assets | 2.2364% | 403 |
| Return on Equity (ROE) | 24.6901% | 137 |
| Retained earnings to average equity (ytd only) | 6.1624% | 2,456 |
| Net charge-offs to loans | 0.3896% | 3,165 |
| Credit loss provision to net charge-offs | 180.7229% | 1,647 |
| Earnings coverage of net charge-offs (x) | 9.4077% | 2,054 |
| Efficiency ratio | 50.6319% | 6,794 |
| Assets per employee ($millions) | 3.0235% | 6,060 |
| Cash dividends to net income (ytd only)* | 75.0412% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,031 |
| Loan loss allowance to noncurrent loans | 48.9266% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.0938% | 2,068 |
| Noncurrent loans to loans | 2.1580% | 3,167 |
| Net loans and leases to total assets | 77.3170% | 801 |
| Net loans and leases to deposits | 94.0086% | 839 |
| Net loans and leases to core deposits | 105.1119% | 912 |
| Total domestic deposits to total assets | 82.2446% | 4,991 |
| Equity capital to assets | 9.3877% | 5,255 |
| Core capital (leverage) ratio | 9.0374% | 4,870 |
| Tier 1 risk-based capital ratio | 13.2415% | 4,919 |
| Total risk-based capital ratio | 14.4692% | 4,908 |
| Memoranda: | ||
| Average total assets | $216,891,500 | 2,880 |
| Average earning assets | $200,900,500 | 2,847 |
| Average equity | $19,645,750 | 3,199 |
| Average total loans | $170,413,000 | 2,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4325% | 228 |
| Cost of funding earning assets | 1.0657% | 3,504 |
| Net interest margin | 5.3668% | 220 |
| Noninterest income to average assets | 0.8947% | 1,663 |
| Noninterest expense to average assets | 3.0884% | 3,296 |
| Loan and lease loss provision to assets | 0.5592% | 1,729 |
| Net operating income to assets | 2.2264% | 253 |
| Return on assets (ROA) | 2.0894% | 313 |
| Pretax return on assets | 2.0894% | 506 |
| Return on Equity (ROE) | 23.3627% | 186 |
| Retained earnings to average equity (ytd only) | 7.1068% | 1,826 |
| Net charge-offs to loans | 0.3930% | 2,985 |
| Credit loss provision to net charge-offs | 180.7229% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.0030% | 1,981 |
| Efficiency ratio | 51.7214% | 6,810 |
| Assets per employee ($millions) | 2.8556% | 6,375 |
| Cash dividends to net income (ytd only)* | 69.5807% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,341 |
| Loan loss allowance to noncurrent loans | 41.6039% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.8149% | 2,383 |
| Noncurrent loans to loans | 2.4013% | 2,990 |
| Net loans and leases to total assets | 78.1736% | 756 |
| Net loans and leases to deposits | 93.8201% | 883 |
| Net loans and leases to core deposits | 104.5537% | 1,010 |
| Total domestic deposits to total assets | 83.3229% | 4,624 |
| Equity capital to assets | 9.3378% | 5,094 |
| Core capital (leverage) ratio | 9.1559% | 4,482 |
| Tier 1 risk-based capital ratio | 13.4903% | 4,534 |
| Total risk-based capital ratio | 14.6652% | 4,585 |
| Memoranda: | ||
| Average total assets | $214,608,670 | 2,918 |
| Average earning assets | $199,114,000 | 2,882 |
| Average equity | $19,193,000 | 3,246 |
| Average total loans | $168,939,000 | 2,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1978% | 335 |
| Cost of funding earning assets | 1.1131% | 3,436 |
| Net interest margin | 5.0847% | 315 |
| Noninterest income to average assets | 0.8772% | 1,741 |
| Noninterest expense to average assets | 3.0853% | 3,313 |
| Loan and lease loss provision to assets | 0.5623% | 1,534 |
| Net operating income to assets | 1.9475% | 375 |
| Return on assets (ROA) | 1.8575% | 463 |
| Pretax return on assets | 1.8575% | 731 |
| Return on Equity (ROE) | 21.2467% | 281 |
| Retained earnings to average equity (ytd only) | -0.6218% | 5,912 |
| Net charge-offs to loans | 0.3649% | 2,608 |
| Credit loss provision to net charge-offs | 196.0784% | 1,511 |
| Earnings coverage of net charge-offs (x) | 8.7516% | 1,793 |
| Efficiency ratio | 54.2379% | 6,670 |
| Assets per employee ($millions) | 2.9547% | 6,231 |
| Cash dividends to net income (ytd only)* | 102.9263% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 6,564 |
| Loan loss allowance to noncurrent loans | 23.7109% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 3.9518% | 1,690 |
| Noncurrent loans to loans | 3.9866% | 1,825 |
| Net loans and leases to total assets | 78.3681% | 692 |
| Net loans and leases to deposits | 89.2912% | 1,320 |
| Net loans and leases to core deposits | 99.3528% | 1,396 |
| Total domestic deposits to total assets | 87.7668% | 2,511 |
| Equity capital to assets | 8.9301% | 5,309 |
| Core capital (leverage) ratio | 8.8625% | 4,834 |
| Tier 1 risk-based capital ratio | 13.1287% | 4,726 |
| Total risk-based capital ratio | 14.2328% | 4,825 |
| Memoranda: | ||
| Average total assets | $213,402,000 | 2,954 |
| Average earning assets | $198,006,500 | 2,912 |
| Average equity | $18,657,000 | 3,300 |
| Average total loans | $167,725,500 | 2,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2430% | 516 |
| Cost of funding earning assets | 1.3689% | 3,461 |
| Net interest margin | 4.8741% | 571 |
| Noninterest income to average assets | 0.8959% | 1,861 |
| Noninterest expense to average assets | 3.0970% | 3,466 |
| Loan and lease loss provision to assets | 0.5061% | 3,128 |
| Net operating income to assets | 1.7953% | 420 |
| Return on assets (ROA) | 1.6790% | 579 |
| Pretax return on assets | 1.6790% | 979 |
| Return on Equity (ROE) | 18.8962% | 320 |
| Retained earnings to average equity (ytd only) | 5.7828% | 1,946 |
| Net charge-offs to loans | 0.4986% | 3,629 |
| Credit loss provision to net charge-offs | 135.3627% | 2,869 |
| Earnings coverage of net charge-offs (x) | 6.1554% | 2,426 |
| Efficiency ratio | 56.4008% | 6,545 |
| Assets per employee ($millions) | 3.0580% | 5,979 |
| Cash dividends to net income (ytd only)* | 69.3972% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 6,813 |
| Loan loss allowance to noncurrent loans | 21.6135% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 3.9586% | 1,719 |
| Noncurrent loans to loans | 3.9973% | 1,814 |
| Net loans and leases to total assets | 77.4048% | 1,033 |
| Net loans and leases to deposits | 90.8605% | 1,415 |
| Net loans and leases to core deposits | 101.6297% | 1,484 |
| Total domestic deposits to total assets | 85.1908% | 3,758 |
| Equity capital to assets | 8.5564% | 5,786 |
| Core capital (leverage) ratio | 9.0009% | 4,556 |
| Tier 1 risk-based capital ratio | 13.2103% | 4,446 |
| Total risk-based capital ratio | 14.2185% | 4,594 |
| Memoranda: | ||
| Average total assets | $206,487,800 | 3,023 |
| Average earning assets | $190,742,000 | 2,988 |
| Average equity | $18,347,600 | 3,377 |
| Average total loans | $154,820,800 | 2,684 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2406% | 571 |
| Cost of funding earning assets | 1.4171% | 3,475 |
| Net interest margin | 4.8235% | 643 |
| Noninterest income to average assets | 0.8830% | 1,861 |
| Noninterest expense to average assets | 3.1189% | 3,248 |
| Loan and lease loss provision to assets | 0.4953% | 2,991 |
| Net operating income to assets | 1.7185% | 600 |
| Return on assets (ROA) | 1.6338% | 760 |
| Pretax return on assets | 1.6338% | 1,264 |
| Return on Equity (ROE) | 18.2102% | 467 |
| Retained earnings to average equity (ytd only) | 8.3606% | 1,290 |
| Net charge-offs to loans | 0.4138% | 3,637 |
| Credit loss provision to net charge-offs | 161.3588% | 2,344 |
| Earnings coverage of net charge-offs (x) | 7.2124% | 2,368 |
| Efficiency ratio | 57.4973% | 6,343 |
| Assets per employee ($millions) | 2.9721% | 6,221 |
| Cash dividends to net income (ytd only)* | 54.0885% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,672 |
| Loan loss allowance to noncurrent loans | 21.3982% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 3.8371% | 1,850 |
| Noncurrent loans to loans | 4.3046% | 1,691 |
| Net loans and leases to total assets | 75.4845% | 1,497 |
| Net loans and leases to deposits | 86.6588% | 2,208 |
| Net loans and leases to core deposits | 97.4466% | 2,100 |
| Total domestic deposits to total assets | 87.1054% | 2,470 |
| Equity capital to assets | 9.3334% | 5,081 |
| Core capital (leverage) ratio | 9.1254% | 4,488 |
| Tier 1 risk-based capital ratio | 13.7233% | 4,038 |
| Total risk-based capital ratio | 14.7787% | 4,132 |
| Memoranda: | ||
| Average total assets | $204,594,000 | 3,083 |
| Average earning assets | $188,737,250 | 3,059 |
| Average equity | $18,355,500 | 3,417 |
| Average total loans | $151,741,250 | 2,780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2541% | 560 |
| Cost of funding earning assets | 1.4396% | 3,616 |
| Net interest margin | 4.8144% | 645 |
| Noninterest income to average assets | 0.8700% | 1,803 |
| Noninterest expense to average assets | 3.1291% | 3,186 |
| Loan and lease loss provision to assets | 0.4837% | 2,887 |
| Net operating income to assets | 1.7086% | 576 |
| Return on assets (ROA) | 1.4825% | 1,003 |
| Pretax return on assets | 1.4825% | 1,605 |
| Return on Equity (ROE) | 16.7543% | 600 |
| Retained earnings to average equity (ytd only) | 5.6885% | 2,504 |
| Net charge-offs to loans | 0.3840% | 3,442 |
| Credit loss provision to net charge-offs | 171.4286% | 2,278 |
| Earnings coverage of net charge-offs (x) | 7.7700% | 2,240 |
| Efficiency ratio | 57.8053% | 6,402 |
| Assets per employee ($millions) | 2.9679% | 6,203 |
| Cash dividends to net income (ytd only)* | 66.0477% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 6,775 |
| Loan loss allowance to noncurrent loans | 25.1232% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 3.3087% | 2,134 |
| Noncurrent loans to loans | 3.5600% | 2,213 |
| Net loans and leases to total assets | 73.3906% | 2,061 |
| Net loans and leases to deposits | 83.8657% | 2,887 |
| Net loans and leases to core deposits | 92.3032% | 2,941 |
| Total domestic deposits to total assets | 87.5097% | 2,247 |
| Equity capital to assets | 8.8841% | 5,623 |
| Core capital (leverage) ratio | 8.8541% | 4,829 |
| Tier 1 risk-based capital ratio | 13.5646% | 4,032 |
| Total risk-based capital ratio | 14.5836% | 4,139 |
| Memoranda: | ||
| Average total assets | $203,442,670 | 3,118 |
| Average earning assets | $188,101,670 | 3,093 |
| Average equity | $18,001,330 | 3,466 |
| Average total loans | $149,487,000 | 2,845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1380% | 724 |
| Cost of funding earning assets | 1.4193% | 4,054 |
| Net interest margin | 4.7187% | 751 |
| Noninterest income to average assets | 0.8287% | 1,887 |
| Noninterest expense to average assets | 3.1458% | 3,076 |
| Loan and lease loss provision to assets | 0.4372% | 2,777 |
| Net operating income to assets | 1.5997% | 750 |
| Return on assets (ROA) | 0.7432% | 3,351 |
| Pretax return on assets | 0.7432% | 4,086 |
| Return on Equity (ROE) | 8.4170% | 2,694 |
| Retained earnings to average equity (ytd only) | 0.8552% | 5,470 |
| Net charge-offs to loans | 0.2851% | 3,269 |
| Credit loss provision to net charge-offs | 209.5238% | 1,775 |
| Earnings coverage of net charge-offs (x) | 9.7619% | 1,810 |
| Efficiency ratio | 59.6626% | 6,233 |
| Assets per employee ($millions) | 2.9653% | 6,295 |
| Cash dividends to net income (ytd only)* | 89.8396% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 6,963 |
| Loan loss allowance to noncurrent loans | 21.3126% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 3.4246% | 2,058 |
| Noncurrent loans to loans | 4.0315% | 1,935 |
| Net loans and leases to total assets | 72.5222% | 2,324 |
| Net loans and leases to deposits | 82.9005% | 3,120 |
| Net loans and leases to core deposits | 98.1104% | 2,331 |
| Total domestic deposits to total assets | 87.4810% | 2,365 |
| Equity capital to assets | 8.8466% | 5,472 |
| Core capital (leverage) ratio | 8.8833% | 4,752 |
| Tier 1 risk-based capital ratio | 13.1071% | 4,257 |
| Total risk-based capital ratio | 14.0532% | 4,447 |
| Memoranda: | ||
| Average total assets | $201,287,000 | 3,205 |
| Average earning assets | $185,728,000 | 3,179 |
| Average equity | $17,773,500 | 3,526 |
| Average total loans | $147,306,500 | 2,939 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6415% | 520 |
| Cost of funding earning assets | 1.7817% | 4,091 |
| Net interest margin | 4.8598% | 611 |
| Noninterest income to average assets | 0.9899% | 1,613 |
| Noninterest expense to average assets | 3.2426% | 3,219 |
| Loan and lease loss provision to assets | 0.2846% | 5,151 |
| Net operating income to assets | 1.9332% | 268 |
| Return on assets (ROA) | 1.9257% | 280 |
| Pretax return on assets | 1.9257% | 480 |
| Return on Equity (ROE) | 20.9658% | 201 |
| Retained earnings to average equity (ytd only) | 2.1065% | 3,631 |
| Net charge-offs to loans | 0.4091% | 4,181 |
| Credit loss provision to net charge-offs | 98.1516% | 5,675 |
| Earnings coverage of net charge-offs (x) | 7.6488% | 2,108 |
| Efficiency ratio | 58.3235% | 6,718 |
| Assets per employee ($millions) | 3.0456% | 6,108 |
| Cash dividends to net income (ytd only)* | 89.9527% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 7,108 |
| Loan loss allowance to noncurrent loans | 27.1883% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 2.6429% | 2,659 |
| Noncurrent loans to loans | 2.9716% | 2,588 |
| Net loans and leases to total assets | 72.6234% | 2,597 |
| Net loans and leases to deposits | 86.1625% | 2,884 |
| Net loans and leases to core deposits | 118.1165% | 2,120 |
| Total domestic deposits to total assets | 84.2866% | 3,903 |
| Equity capital to assets | 8.8127% | 5,414 |
| Core capital (leverage) ratio | 9.2076% | 4,107 |
| Tier 1 risk-based capital ratio | 11.5999% | 5,294 |
| Total risk-based capital ratio | 12.3651% | 5,763 |
| Memoranda: | ||
| Average total assets | $186,579,000 | 3,328 |
| Average earning assets | $171,632,000 | 3,325 |
| Average equity | $17,137,400 | 3,648 |
| Average total loans | $132,248,200 | 3,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7324% | 481 |
| Cost of funding earning assets | 1.8488% | 4,165 |
| Net interest margin | 4.8836% | 576 |
| Noninterest income to average assets | 1.0014% | 1,604 |
| Noninterest expense to average assets | 3.2517% | 3,120 |
| Loan and lease loss provision to assets | 0.2685% | 4,816 |
| Net operating income to assets | 1.9724% | 310 |
| Return on assets (ROA) | 2.0682% | 278 |
| Pretax return on assets | 2.0682% | 479 |
| Return on Equity (ROE) | 22.2735% | 195 |
| Retained earnings to average equity (ytd only) | 5.1033% | 2,427 |
| Net charge-offs to loans | 0.3429% | 3,922 |
| Credit loss provision to net charge-offs | 111.4458% | 4,563 |
| Earnings coverage of net charge-offs (x) | 9.3011% | 2,125 |
| Efficiency ratio | 58.1319% | 6,702 |
| Assets per employee ($millions) | 3.0008% | 6,156 |
| Cash dividends to net income (ytd only)* | 77.0876% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 6,793 |
| Loan loss allowance to noncurrent loans | 31.7035% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 2.4655% | 2,791 |
| Noncurrent loans to loans | 2.8116% | 2,699 |
| Net loans and leases to total assets | 70.5745% | 3,371 |
| Net loans and leases to deposits | 81.8045% | 4,060 |
| Net loans and leases to core deposits | 113.4182% | 2,890 |
| Total domestic deposits to total assets | 86.2722% | 2,558 |
| Equity capital to assets | 9.3956% | 4,890 |
| Core capital (leverage) ratio | 9.7171% | 3,621 |
| Tier 1 risk-based capital ratio | 12.5446% | 4,504 |
| Total risk-based capital ratio | 13.3934% | 4,795 |
| Memoranda: | ||
| Average total assets | $183,732,500 | 3,408 |
| Average earning assets | $168,970,000 | 3,388 |
| Average equity | $17,060,250 | 3,692 |
| Average total loans | $129,075,250 | 3,320 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7986% | 453 |
| Cost of funding earning assets | 1.9258% | 4,132 |
| Net interest margin | 4.8728% | 571 |
| Noninterest income to average assets | 1.0245% | 1,515 |
| Noninterest expense to average assets | 3.2294% | 3,237 |
| Loan and lease loss provision to assets | 0.2763% | 4,368 |
| Net operating income to assets | 1.9960% | 299 |
| Return on assets (ROA) | 2.0004% | 327 |
| Pretax return on assets | 2.0004% | 572 |
| Return on Equity (ROE) | 21.6348% | 256 |
| Retained earnings to average equity (ytd only) | 1.1116% | 4,716 |
| Net charge-offs to loans | 0.4743% | 2,936 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 6.8533% | 2,537 |
| Efficiency ratio | 57.6135% | 6,922 |
| Assets per employee ($millions) | 2.8542% | 6,503 |
| Cash dividends to net income (ytd only)* | 94.8619% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 6,947 |
| Loan loss allowance to noncurrent loans | 38.5349% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9485% | 3,271 |
| Noncurrent loans to loans | 2.2268% | 3,223 |
| Net loans and leases to total assets | 70.4351% | 3,602 |
| Net loans and leases to deposits | 81.4300% | 4,310 |
| Net loans and leases to core deposits | 107.7129% | 3,639 |
| Total domestic deposits to total assets | 86.4977% | 2,509 |
| Equity capital to assets | 8.9794% | 5,345 |
| Core capital (leverage) ratio | 9.6316% | 3,727 |
| Tier 1 risk-based capital ratio | 12.4672% | 4,545 |
| Total risk-based capital ratio | 13.2762% | 4,820 |
| Memoranda: | ||
| Average total assets | $180,960,670 | 3,465 |
| Average earning assets | $166,268,670 | 3,455 |
| Average equity | $16,732,330 | 3,768 |
| Average total loans | $126,515,000 | 3,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7628% | 512 |
| Cost of funding earning assets | 2.0425% | 3,908 |
| Net interest margin | 4.7203% | 735 |
| Noninterest income to average assets | 0.9962% | 1,492 |
| Noninterest expense to average assets | 3.1162% | 3,314 |
| Loan and lease loss provision to assets | 0.2686% | 3,812 |
| Net operating income to assets | 1.9364% | 392 |
| Return on assets (ROA) | 1.9454% | 436 |
| Pretax return on assets | 1.9454% | 734 |
| Return on Equity (ROE) | 20.7287% | 376 |
| Retained earnings to average equity (ytd only) | -0.4055% | 5,745 |
| Net charge-offs to loans | 0.8073% | 1,602 |
| Credit loss provision to net charge-offs | 48.0000% | 4,710 |
| Earnings coverage of net charge-offs (x) | 3.9400% | 3,022 |
| Efficiency ratio | 57.4253% | 6,771 |
| Assets per employee ($millions) | 2.9728% | 6,228 |
| Cash dividends to net income (ytd only)* | 101.9563% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 7,003 |
| Loan loss allowance to noncurrent loans | 28.5753% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 2.6718% | 2,143 |
| Noncurrent loans to loans | 2.9452% | 2,217 |
| Net loans and leases to total assets | 68.2863% | 4,068 |
| Net loans and leases to deposits | 79.1880% | 4,742 |
| Net loans and leases to core deposits | 103.4010% | 4,202 |
| Total domestic deposits to total assets | 86.2331% | 2,596 |
| Equity capital to assets | 9.0465% | 5,300 |
| Core capital (leverage) ratio | 9.7250% | 3,718 |
| Tier 1 risk-based capital ratio | 12.9089% | 4,242 |
| Total risk-based capital ratio | 13.6935% | 4,505 |
| Memoranda: | ||
| Average total assets | $178,679,000 | 3,530 |
| Average earning assets | $163,718,500 | 3,515 |
| Average equity | $16,769,000 | 3,779 |
| Average total loans | $123,870,000 | 3,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1926% | 759 |
| Cost of funding earning assets | 2.5532% | 3,939 |
| Net interest margin | 4.6394% | 1,075 |
| Noninterest income to average assets | 0.9962% | 1,592 |
| Noninterest expense to average assets | 3.1115% | 3,651 |
| Loan and lease loss provision to assets | 0.3128% | 3,870 |
| Net operating income to assets | 1.8355% | 514 |
| Return on assets (ROA) | 1.8917% | 432 |
| Pretax return on assets | 1.8917% | 779 |
| Return on Equity (ROE) | 19.1712% | 440 |
| Retained earnings to average equity (ytd only) | 4.8075% | 2,144 |
| Net charge-offs to loans | 0.3742% | 2,971 |
| Credit loss provision to net charge-offs | 118.9427% | 4,530 |
| Earnings coverage of net charge-offs (x) | 8.1696% | 2,928 |
| Efficiency ratio | 57.9672% | 6,704 |
| Assets per employee ($millions) | 3.0880% | 5,813 |
| Cash dividends to net income (ytd only)* | 74.9235% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,336 |
| Loan loss allowance to noncurrent loans | 55.8392% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 2,983 |
| Noncurrent loans to loans | 1.7215% | 3,183 |
| Net loans and leases to total assets | 69.1280% | 4,220 |
| Net loans and leases to deposits | 80.6401% | 4,938 |
| Net loans and leases to core deposits | 98.6917% | 4,967 |
| Total domestic deposits to total assets | 85.7241% | 2,527 |
| Equity capital to assets | 9.7337% | 4,387 |
| Core capital (leverage) ratio | 9.9482% | 3,496 |
| Tier 1 risk-based capital ratio | 13.1933% | 3,995 |
| Total risk-based capital ratio | 14.0949% | 4,121 |
| Memoranda: | ||
| Average total assets | $172,650,000 | 3,510 |
| Average earning assets | $158,662,000 | 3,493 |
| Average equity | $17,036,000 | 3,729 |
| Average total loans | $121,320,400 | 3,437 |