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 | 7.5470% | 154 |
| Cost of funding earning assets | 2.0324% | 876 |
| Net interest margin | 5.5146% | 182 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.9272% | 1,221 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8942% | 530 |
| Return on assets (ROA) | 1.8942% | 513 |
| Pretax return on assets | 2.3707% | 391 |
| Return on Equity (ROE) | 17.0300% | 943 |
| Retained earnings to average equity (ytd only) | 15.0720% | 322 |
| Net charge-offs to loans | 0.1432% | 713 |
| Credit loss provision to net charge-offs | 46.6146% | 2,209 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,844 |
| Efficiency ratio | 54.6966% | 3,627 |
| Assets per employee ($millions) | 5.2854% | 3,405 |
| Cash dividends to net income (ytd only)* | 11.5079% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,195 |
| Loan loss allowance to noncurrent loans | 315.2034% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,806 |
| Noncurrent loans to loans | 0.3248% | 2,019 |
| Net loans and leases to total assets | 80.3800% | 597 |
| Net loans and leases to deposits | 93.3904% | 986 |
| Net loans and leases to core deposits | 115.9696% | 744 |
| Total domestic deposits to total assets | 86.0700% | 1,994 |
| Equity capital to assets | 11.2480% | 1,389 |
| Core capital (leverage) ratio | 11.7968% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0224% | 1,525 |
| Memoranda: | ||
| Average total assets | $332,599,000 | 2,260 |
| Average earning assets | $305,842,600 | 2,270 |
| Average equity | $36,989,200 | 1,981 |
| Average total loans | $268,138,000 | 1,923 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3455% | 163 |
| Cost of funding earning assets | 1.8816% | 882 |
| Net interest margin | 5.4639% | 187 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.9093% | 1,208 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.9579% | 531 |
| Return on assets (ROA) | 1.9579% | 522 |
| Pretax return on assets | 2.4489% | 406 |
| Return on Equity (ROE) | 17.6600% | 989 |
| Retained earnings to average equity (ytd only) | 17.6592% | 355 |
| Net charge-offs to loans | 0.0400% | 1,314 |
| Credit loss provision to net charge-offs | -165.8228% | 4,543 |
| Earnings coverage of net charge-offs (x) | 74.4177% | 1,084 |
| Efficiency ratio | 54.8429% | 3,510 |
| Assets per employee ($millions) | 5.1646% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,100 |
| Loan loss allowance to noncurrent loans | 552.6316% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,337 |
| Noncurrent loans to loans | 0.1907% | 2,600 |
| Net loans and leases to total assets | 79.7800% | 675 |
| Net loans and leases to deposits | 92.9992% | 967 |
| Net loans and leases to core deposits | 115.1061% | 690 |
| Total domestic deposits to total assets | 85.7800% | 2,262 |
| Equity capital to assets | 11.0968% | 1,310 |
| Core capital (leverage) ratio | 11.8929% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8297% | 1,620 |
| Memoranda: | ||
| Average total assets | $327,217,750 | 2,284 |
| Average earning assets | $299,803,750 | 2,311 |
| Average equity | $36,278,500 | 1,994 |
| Average total loans | $263,277,000 | 1,945 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0562% | 171 |
| Cost of funding earning assets | 1.6939% | 893 |
| Net interest margin | 5.3623% | 199 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.9151% | 1,185 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 1.9075% | 552 |
| Return on assets (ROA) | 1.9075% | 546 |
| Pretax return on assets | 2.3861% | 406 |
| Return on Equity (ROE) | 17.2100% | 1,058 |
| Retained earnings to average equity (ytd only) | 17.2102% | 382 |
| Net charge-offs to loans | 0.0186% | 1,532 |
| Credit loss provision to net charge-offs | -604.1667% | 4,606 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 742 |
| Efficiency ratio | 55.9436% | 3,427 |
| Assets per employee ($millions) | 5.0334% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 2,926 |
| Loan loss allowance to noncurrent loans | 358.7244% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 1,737 |
| Noncurrent loans to loans | 0.3088% | 2,035 |
| Net loans and leases to total assets | 78.9000% | 747 |
| Net loans and leases to deposits | 91.8433% | 1,034 |
| Net loans and leases to core deposits | 112.6354% | 726 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 10.9990% | 1,389 |
| Core capital (leverage) ratio | 11.6264% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6072% | 1,693 |
| Memoranda: | ||
| Average total assets | $320,947,667 | 2,324 |
| Average earning assets | $294,238,667 | 2,346 |
| Average equity | $35,572,000 | 2,040 |
| Average total loans | $258,041,333 | 1,965 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5031% | 180 |
| Cost of funding earning assets | 1.4702% | 893 |
| Net interest margin | 5.0329% | 288 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.8849% | 1,262 |
| Loan and lease loss provision to assets | -0.2000% | 4,624 |
| Net operating income to assets | 1.8031% | 664 |
| Return on assets (ROA) | 1.8031% | 655 |
| Pretax return on assets | 2.2557% | 526 |
| Return on Equity (ROE) | 16.2000% | 1,315 |
| Retained earnings to average equity (ytd only) | 16.2015% | 671 |
| Net charge-offs to loans | -0.0222% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3398% | 3,158 |
| Assets per employee ($millions) | 5.1719% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,742 |
| Loan loss allowance to noncurrent loans | 417.7531% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,511 |
| Noncurrent loans to loans | 0.2787% | 2,145 |
| Net loans and leases to total assets | 79.7400% | 566 |
| Net loans and leases to deposits | 93.8125% | 799 |
| Net loans and leases to core deposits | 113.9523% | 582 |
| Total domestic deposits to total assets | 85.0000% | 2,862 |
| Equity capital to assets | 11.0940% | 1,307 |
| Core capital (leverage) ratio | 11.8726% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7028% | 1,722 |
| Memoranda: | ||
| Average total assets | $312,802,000 | 2,395 |
| Average earning assets | $287,308,000 | 2,414 |
| Average equity | $34,811,500 | 2,087 |
| Average total loans | $252,530,500 | 2,011 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7161% | 122 |
| Cost of funding earning assets | 0.7515% | 469 |
| Net interest margin | 4.9646% | 145 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.7353% | 1,475 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.4782% | 937 |
| Return on assets (ROA) | 1.4747% | 910 |
| Pretax return on assets | 1.8049% | 726 |
| Return on Equity (ROE) | 15.4300% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.6085% | 438 |
| Net charge-offs to loans | 0.2296% | 348 |
| Credit loss provision to net charge-offs | 164.4970% | 1,239 |
| Earnings coverage of net charge-offs (x) | 11.7160% | 2,142 |
| Efficiency ratio | 56.5154% | 3,526 |
| Assets per employee ($millions) | 5.0824% | 3,607 |
| Cash dividends to net income (ytd only)* | 11.8212% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 1,998 |
| Loan loss allowance to noncurrent loans | 426.8293% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 1,365 |
| Noncurrent loans to loans | 0.2996% | 2,069 |
| Net loans and leases to total assets | 79.7600% | 625 |
| Net loans and leases to deposits | 93.1644% | 837 |
| Net loans and leases to core deposits | 110.5809% | 589 |
| Total domestic deposits to total assets | 85.6100% | 2,829 |
| Equity capital to assets | 11.1657% | 1,195 |
| Core capital (leverage) ratio | 11.9256% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1108% | 1,600 |
| Memoranda: | ||
| Average total assets | $282,233,600 | 2,543 |
| Average earning assets | $254,282,000 | 2,584 |
| Average equity | $26,968,400 | 2,483 |
| Average total loans | $220,836,000 | 2,105 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 111 |
| Cost of funding earning assets | 0.6540% | 329 |
| Net interest margin | 4.8635% | 137 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.8203% | 1,207 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 1.2679% | 1,459 |
| Return on assets (ROA) | 1.2679% | 1,425 |
| Pretax return on assets | 1.5664% | 1,216 |
| Return on Equity (ROE) | 13.9200% | 1,449 |
| Retained earnings to average equity (ytd only) | 13.9160% | 473 |
| Net charge-offs to loans | 0.3040% | 213 |
| Credit loss provision to net charge-offs | 148.8753% | 1,131 |
| Earnings coverage of net charge-offs (x) | 8.1329% | 2,051 |
| Efficiency ratio | 59.5299% | 3,174 |
| Assets per employee ($millions) | 4.7737% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,895 |
| Loan loss allowance to noncurrent loans | 234.4564% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 939 |
| Noncurrent loans to loans | 0.5668% | 1,416 |
| Net loans and leases to total assets | 79.3800% | 585 |
| Net loans and leases to deposits | 90.7677% | 841 |
| Net loans and leases to core deposits | 104.6981% | 625 |
| Total domestic deposits to total assets | 87.4500% | 2,612 |
| Equity capital to assets | 8.9805% | 2,228 |
| Core capital (leverage) ratio | 9.6210% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6377% | 2,608 |
| Memoranda: | ||
| Average total assets | $276,556,000 | 2,588 |
| Average earning assets | $247,715,250 | 2,644 |
| Average equity | $25,198,250 | 2,614 |
| Average total loans | $214,453,750 | 2,140 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3772% | 112 |
| Cost of funding earning assets | 0.6133% | 248 |
| Net interest margin | 4.7639% | 137 |
| Noninterest income to average assets | 0.4128% | 2,674 |
| Noninterest expense to average assets | 2.7907% | 1,194 |
| Loan and lease loss provision to assets | 0.1742% | 510 |
| Net operating income to assets | 1.3503% | 1,021 |
| Return on assets (ROA) | 1.3503% | 1,003 |
| Pretax return on assets | 1.6833% | 783 |
| Return on Equity (ROE) | 14.7460% | 951 |
| Retained earnings to average equity (ytd only) | 14.7460% | 287 |
| Net charge-offs to loans | 0.0124% | 1,541 |
| Credit loss provision to net charge-offs | 1,830.7692% | 259 |
| Earnings coverage of net charge-offs (x) | 195.2308% | 548 |
| Efficiency ratio | 60.0378% | 3,289 |
| Assets per employee ($millions) | 4.9292% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,814 |
| Loan loss allowance to noncurrent loans | 232.8495% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 755 |
| Noncurrent loans to loans | 0.5946% | 1,422 |
| Net loans and leases to total assets | 75.9378% | 735 |
| Net loans and leases to deposits | 85.4272% | 1,019 |
| Net loans and leases to core deposits | 98.4179% | 743 |
| Total domestic deposits to total assets | 88.8918% | 2,232 |
| Equity capital to assets | 8.8375% | 2,513 |
| Core capital (leverage) ratio | 9.3235% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8301% | 2,558 |
| Memoranda: | ||
| Average total assets | $273,268,333 | 2,626 |
| Average earning assets | $242,952,333 | 2,705 |
| Average equity | $25,023,667 | 2,683 |
| Average total loans | $209,132,667 | 2,173 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 106 |
| Cost of funding earning assets | 0.5995% | 262 |
| Net interest margin | 4.7466% | 127 |
| Noninterest income to average assets | 0.4450% | 2,413 |
| Noninterest expense to average assets | 2.8574% | 1,045 |
| Loan and lease loss provision to assets | 0.1124% | 743 |
| Net operating income to assets | 1.3231% | 955 |
| Return on assets (ROA) | 1.3231% | 943 |
| Pretax return on assets | 1.6512% | 756 |
| Return on Equity (ROE) | 14.1833% | 800 |
| Retained earnings to average equity (ytd only) | 14.1833% | 363 |
| Net charge-offs to loans | 0.0138% | 1,271 |
| Credit loss provision to net charge-offs | 1,071.4286% | 316 |
| Earnings coverage of net charge-offs (x) | 168.1429% | 490 |
| Efficiency ratio | 61.8353% | 3,282 |
| Assets per employee ($millions) | 4.9931% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,900 |
| Loan loss allowance to noncurrent loans | 502.7826% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,251 |
| Noncurrent loans to loans | 0.2787% | 2,472 |
| Net loans and leases to total assets | 74.0872% | 653 |
| Net loans and leases to deposits | 82.0135% | 1,011 |
| Net loans and leases to core deposits | 94.2970% | 724 |
| Total domestic deposits to total assets | 90.3354% | 1,366 |
| Equity capital to assets | 9.0860% | 2,637 |
| Core capital (leverage) ratio | 9.7385% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1927% | 2,532 |
| Memoranda: | ||
| Average total assets | $266,954,500 | 2,681 |
| Average earning assets | $234,864,000 | 2,769 |
| Average equity | $24,902,500 | 2,781 |
| Average total loans | $203,623,500 | 2,198 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7825% | 99 |
| Cost of funding earning assets | 0.7399% | 270 |
| Net interest margin | 5.0426% | 133 |
| Noninterest income to average assets | 0.5068% | 2,530 |
| Noninterest expense to average assets | 2.9733% | 1,027 |
| Loan and lease loss provision to assets | 0.3544% | 205 |
| Net operating income to assets | 1.2619% | 1,714 |
| Return on assets (ROA) | 1.2567% | 1,777 |
| Pretax return on assets | 1.6292% | 1,343 |
| Return on Equity (ROE) | 13.0199% | 1,463 |
| Retained earnings to average equity (ytd only) | 11.7393% | 575 |
| Net charge-offs to loans | 0.1483% | 644 |
| Credit loss provision to net charge-offs | 324.5283% | 1,024 |
| Earnings coverage of net charge-offs (x) | 18.2264% | 1,914 |
| Efficiency ratio | 59.9037% | 3,165 |
| Assets per employee ($millions) | 4.5489% | 4,080 |
| Cash dividends to net income (ytd only)* | 9.8361% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,902 |
| Loan loss allowance to noncurrent loans | 2,257.6000% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 1,798 |
| Noncurrent loans to loans | 0.0622% | 3,637 |
| Net loans and leases to total assets | 76.3919% | 495 |
| Net loans and leases to deposits | 84.8890% | 856 |
| Net loans and leases to core deposits | 98.1711% | 604 |
| Total domestic deposits to total assets | 89.9903% | 965 |
| Equity capital to assets | 9.5851% | 3,055 |
| Core capital (leverage) ratio | 9.5703% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1421% | 2,584 |
| Memoranda: | ||
| Average total assets | $242,691,800 | 2,777 |
| Average earning assets | $214,490,800 | 2,843 |
| Average equity | $23,425,600 | 2,945 |
| Average total loans | $178,729,200 | 2,397 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8506% | 101 |
| Cost of funding earning assets | 0.7585% | 299 |
| Net interest margin | 5.0921% | 139 |
| Noninterest income to average assets | 0.1241% | 4,572 |
| Noninterest expense to average assets | 3.1647% | 757 |
| Loan and lease loss provision to assets | 0.2314% | 421 |
| Net operating income to assets | 0.9960% | 2,925 |
| Return on assets (ROA) | 0.9888% | 3,033 |
| Pretax return on assets | 1.2257% | 2,846 |
| Return on Equity (ROE) | 10.2243% | 2,655 |
| Retained earnings to average equity (ytd only) | 10.2243% | 1,256 |
| Net charge-offs to loans | 0.1232% | 642 |
| Credit loss provision to net charge-offs | 258.7500% | 1,077 |
| Earnings coverage of net charge-offs (x) | 16.3938% | 1,835 |
| Efficiency ratio | 68.3404% | 1,782 |
| Assets per employee ($millions) | 4.5338% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,276 |
| Loan loss allowance to noncurrent loans | 358.1530% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 1,014 |
| Noncurrent loans to loans | 0.3742% | 2,438 |
| Net loans and leases to total assets | 71.9602% | 879 |
| Net loans and leases to deposits | 79.9029% | 1,300 |
| Net loans and leases to core deposits | 92.7332% | 883 |
| Total domestic deposits to total assets | 90.0596% | 751 |
| Equity capital to assets | 9.4292% | 3,438 |
| Core capital (leverage) ratio | 9.6400% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5447% | 2,532 |
| Memoranda: | ||
| Average total assets | $238,542,750 | 2,830 |
| Average earning assets | $211,119,250 | 2,894 |
| Average equity | $23,068,750 | 3,012 |
| Average total loans | $173,187,250 | 2,479 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1040% | 89 |
| Cost of funding earning assets | 0.7754% | 326 |
| Net interest margin | 5.3286% | 118 |
| Noninterest income to average assets | 0.1808% | 4,301 |
| Noninterest expense to average assets | 3.2499% | 665 |
| Loan and lease loss provision to assets | 0.3367% | 230 |
| Net operating income to assets | 1.0712% | 2,645 |
| Return on assets (ROA) | 1.0684% | 2,730 |
| Pretax return on assets | 1.3246% | 2,566 |
| Return on Equity (ROE) | 10.9490% | 2,440 |
| Retained earnings to average equity (ytd only) | 10.9490% | 1,140 |
| Net charge-offs to loans | 0.1560% | 532 |
| Credit loss provision to net charge-offs | 297.7273% | 893 |
| Earnings coverage of net charge-offs (x) | 14.7197% | 1,653 |
| Efficiency ratio | 66.1262% | 2,134 |
| Assets per employee ($millions) | 4.7438% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,864 |
| Loan loss allowance to noncurrent loans | 358.6455% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 428 |
| Noncurrent loans to loans | 0.3975% | 2,480 |
| Net loans and leases to total assets | 69.7643% | 1,229 |
| Net loans and leases to deposits | 77.7243% | 1,658 |
| Net loans and leases to core deposits | 89.5432% | 1,168 |
| Total domestic deposits to total assets | 89.7588% | 892 |
| Equity capital to assets | 9.5168% | 3,315 |
| Core capital (leverage) ratio | 9.9072% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1769% | 2,299 |
| Memoranda: | ||
| Average total assets | $233,426,000 | 2,858 |
| Average earning assets | $207,372,667 | 2,919 |
| Average equity | $22,778,333 | 3,031 |
| Average total loans | $169,188,333 | 2,516 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 320 |
| Cost of funding earning assets | 0.7854% | 387 |
| Net interest margin | 4.2796% | 535 |
| Noninterest income to average assets | 0.2928% | 3,655 |
| Noninterest expense to average assets | 3.0758% | 869 |
| Loan and lease loss provision to assets | 0.0547% | 2,013 |
| Net operating income to assets | 0.7446% | 3,588 |
| Return on assets (ROA) | 0.7390% | 3,674 |
| Pretax return on assets | 0.9894% | 3,400 |
| Return on Equity (ROE) | 7.4723% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.4723% | 2,426 |
| Net charge-offs to loans | 0.0048% | 1,740 |
| Credit loss provision to net charge-offs | 1,550.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 298.0000% | 295 |
| Efficiency ratio | 74.5299% | 1,264 |
| Assets per employee ($millions) | 4.8298% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,254 |
| Loan loss allowance to noncurrent loans | 274.9086% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 324 |
| Noncurrent loans to loans | 0.4874% | 2,394 |
| Net loans and leases to total assets | 71.6778% | 1,071 |
| Net loans and leases to deposits | 80.1516% | 1,507 |
| Net loans and leases to core deposits | 92.5172% | 1,077 |
| Total domestic deposits to total assets | 89.4277% | 1,108 |
| Equity capital to assets | 9.7592% | 2,937 |
| Core capital (leverage) ratio | 10.2456% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,799,500 | 2,887 |
| Average earning assets | $203,198,000 | 2,944 |
| Average equity | $22,429,500 | 3,047 |
| Average total loans | $166,491,000 | 2,539 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9212% | 104 |
| Cost of funding earning assets | 1.1078% | 388 |
| Net interest margin | 4.8133% | 166 |
| Noninterest income to average assets | 0.2264% | 4,142 |
| Noninterest expense to average assets | 2.8405% | 1,834 |
| Loan and lease loss provision to assets | 0.3068% | 1,222 |
| Net operating income to assets | 1.0766% | 1,999 |
| Return on assets (ROA) | 1.0820% | 2,116 |
| Pretax return on assets | 1.4239% | 1,585 |
| Return on Equity (ROE) | 11.1155% | 1,588 |
| Retained earnings to average equity (ytd only) | 10.6409% | 477 |
| Net charge-offs to loans | 0.2401% | 724 |
| Credit loss provision to net charge-offs | 167.6768% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.4217% | 2,525 |
| Efficiency ratio | 62.2330% | 3,086 |
| Assets per employee ($millions) | 4.5259% | 3,894 |
| Cash dividends to net income (ytd only)* | 4.2699% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 2,178 |
| Loan loss allowance to noncurrent loans | 649.5627% | 940 |
| Noncurrent assets plus other real estate owned to assets | 1.6842% | 395 |
| Noncurrent loans to loans | 0.2084% | 3,453 |
| Net loans and leases to total assets | 73.1962% | 1,131 |
| Net loans and leases to deposits | 82.6704% | 1,585 |
| Net loans and leases to core deposits | 112.2727% | 451 |
| Total domestic deposits to total assets | 88.5398% | 1,198 |
| Equity capital to assets | 10.0258% | 3,113 |
| Core capital (leverage) ratio | 10.1404% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,442,600 | 2,823 |
| Average earning assets | $195,063,400 | 2,870 |
| Average equity | $21,069,600 | 3,088 |
| Average total loans | $164,914,400 | 2,528 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0494% | 101 |
| Cost of funding earning assets | 1.1783% | 403 |
| Net interest margin | 4.8711% | 177 |
| Noninterest income to average assets | 0.2349% | 4,093 |
| Noninterest expense to average assets | 2.9559% | 1,545 |
| Loan and lease loss provision to assets | 0.3612% | 1,032 |
| Net operating income to assets | 1.0820% | 2,041 |
| Return on assets (ROA) | 1.0896% | 2,143 |
| Pretax return on assets | 1.3215% | 1,972 |
| Return on Equity (ROE) | 11.2806% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.2806% | 525 |
| Net charge-offs to loans | 0.2586% | 594 |
| Credit loss provision to net charge-offs | 182.1875% | 2,172 |
| Earnings coverage of net charge-offs (x) | 8.4375% | 2,494 |
| Efficiency ratio | 63.8506% | 2,762 |
| Assets per employee ($millions) | 4.3976% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,122 |
| Loan loss allowance to noncurrent loans | 500.6757% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7837% | 428 |
| Noncurrent loans to loans | 0.2615% | 3,363 |
| Net loans and leases to total assets | 76.2018% | 1,068 |
| Net loans and leases to deposits | 91.3348% | 1,126 |
| Net loans and leases to core deposits | 125.4256% | 317 |
| Total domestic deposits to total assets | 83.4313% | 3,015 |
| Equity capital to assets | 9.8878% | 3,347 |
| Core capital (leverage) ratio | 10.0894% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,111,500 | 2,813 |
| Average earning assets | $194,063,250 | 2,861 |
| Average equity | $20,778,500 | 3,113 |
| Average total loans | $165,004,750 | 2,533 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2549% | 108 |
| Cost of funding earning assets | 1.2731% | 398 |
| Net interest margin | 4.9818% | 215 |
| Noninterest income to average assets | 0.0899% | 4,811 |
| Noninterest expense to average assets | 2.9496% | 1,720 |
| Loan and lease loss provision to assets | 0.4028% | 1,000 |
| Net operating income to assets | 0.9796% | 2,400 |
| Return on assets (ROA) | 0.9910% | 2,488 |
| Pretax return on assets | 1.2308% | 2,255 |
| Return on Equity (ROE) | 10.3433% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.3433% | 725 |
| Net charge-offs to loans | 0.3880% | 404 |
| Credit loss provision to net charge-offs | 135.6467% | 2,202 |
| Earnings coverage of net charge-offs (x) | 5.4543% | 2,515 |
| Efficiency ratio | 64.5551% | 2,738 |
| Assets per employee ($millions) | 4.4233% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,475 |
| Loan loss allowance to noncurrent loans | 400.1931% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 403 |
| Noncurrent loans to loans | 0.3018% | 3,308 |
| Net loans and leases to total assets | 76.6580% | 1,051 |
| Net loans and leases to deposits | 95.8568% | 810 |
| Net loans and leases to core deposits | 127.2508% | 296 |
| Total domestic deposits to total assets | 79.9714% | 3,840 |
| Equity capital to assets | 9.5129% | 3,652 |
| Core capital (leverage) ratio | 9.5967% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,522,667 | 2,806 |
| Average earning assets | $191,978,667 | 2,857 |
| Average equity | $20,457,667 | 3,133 |
| Average total loans | $163,415,000 | 2,538 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0676% | 150 |
| Cost of funding earning assets | 1.3835% | 428 |
| Net interest margin | 4.6841% | 346 |
| Noninterest income to average assets | 0.3739% | 3,270 |
| Noninterest expense to average assets | 3.2389% | 1,341 |
| Loan and lease loss provision to assets | 0.1717% | 1,713 |
| Net operating income to assets | 0.9404% | 2,376 |
| Return on assets (ROA) | 0.9404% | 2,484 |
| Pretax return on assets | 1.1674% | 2,311 |
| Return on Equity (ROE) | 9.7784% | 1,816 |
| Retained earnings to average equity (ytd only) | 9.7784% | 786 |
| Net charge-offs to loans | 0.1481% | 866 |
| Credit loss provision to net charge-offs | 152.5424% | 1,578 |
| Earnings coverage of net charge-offs (x) | 11.8983% | 1,715 |
| Efficiency ratio | 70.7500% | 2,253 |
| Assets per employee ($millions) | 4.2593% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,391 |
| Loan loss allowance to noncurrent loans | 311.5806% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 387 |
| Noncurrent loans to loans | 0.4012% | 3,051 |
| Net loans and leases to total assets | 73.8621% | 1,629 |
| Net loans and leases to deposits | 88.4139% | 1,709 |
| Net loans and leases to core deposits | 120.7123% | 447 |
| Total domestic deposits to total assets | 83.5413% | 2,932 |
| Equity capital to assets | 9.6129% | 4,122 |
| Core capital (leverage) ratio | 9.7026% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9046% | 2,750 |
| Memoranda: | ||
| Average total assets | $209,702,000 | 2,792 |
| Average earning assets | $188,213,000 | 2,848 |
| Average equity | $20,167,000 | 3,158 |
| Average total loans | $159,316,000 | 2,548 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3051% | 141 |
| Cost of funding earning assets | 1.6183% | 274 |
| Net interest margin | 4.6868% | 488 |
| Noninterest income to average assets | 0.5512% | 2,470 |
| Noninterest expense to average assets | 2.9592% | 2,123 |
| Loan and lease loss provision to assets | 0.4908% | 261 |
| Net operating income to assets | 0.9326% | 3,083 |
| Return on assets (ROA) | 0.9150% | 3,226 |
| Pretax return on assets | 1.1196% | 3,106 |
| Return on Equity (ROE) | 10.1811% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.1811% | 459 |
| Net charge-offs to loans | 0.4531% | 413 |
| Credit loss provision to net charge-offs | 143.7326% | 1,790 |
| Earnings coverage of net charge-offs (x) | 4.7786% | 3,171 |
| Efficiency ratio | 64.4566% | 3,006 |
| Assets per employee ($millions) | 4.2131% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,286 |
| Loan loss allowance to noncurrent loans | 300.1531% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 339 |
| Noncurrent loans to loans | 0.4098% | 2,971 |
| Net loans and leases to total assets | 76.2358% | 1,368 |
| Net loans and leases to deposits | 91.3000% | 1,454 |
| Net loans and leases to core deposits | 128.0372% | 302 |
| Total domestic deposits to total assets | 83.5004% | 3,021 |
| Equity capital to assets | 9.6212% | 4,252 |
| Core capital (leverage) ratio | 9.4603% | 4,100 |
| Tier 1 risk-based capital ratio | 11.7879% | 4,478 |
| Total risk-based capital ratio | 12.9538% | 4,410 |
| Memoranda: | ||
| Average total assets | $210,261,800 | 2,755 |
| Average earning assets | $181,234,200 | 2,876 |
| Average equity | $18,897,800 | 3,234 |
| Average total loans | $158,455,800 | 2,528 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1850% | 178 |
| Cost of funding earning assets | 1.6488% | 247 |
| Net interest margin | 4.5362% | 709 |
| Noninterest income to average assets | 0.6946% | 1,809 |
| Noninterest expense to average assets | 2.8678% | 2,352 |
| Loan and lease loss provision to assets | 0.8466% | 120 |
| Net operating income to assets | 0.8718% | 3,444 |
| Return on assets (ROA) | 0.8434% | 3,622 |
| Pretax return on assets | 0.8170% | 4,082 |
| Return on Equity (ROE) | 9.4882% | 2,678 |
| Retained earnings to average equity (ytd only) | 9.4882% | 900 |
| Net charge-offs to loans | 0.9463% | 156 |
| Credit loss provision to net charge-offs | 119.5013% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2.3882% | 3,201 |
| Efficiency ratio | 62.8943% | 3,183 |
| Assets per employee ($millions) | 4.2633% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,756 |
| Loan loss allowance to noncurrent loans | 52.6242% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 3.5950% | 139 |
| Noncurrent loans to loans | 2.1910% | 582 |
| Net loans and leases to total assets | 76.5383% | 1,388 |
| Net loans and leases to deposits | 88.6657% | 1,846 |
| Net loans and leases to core deposits | 121.8637% | 474 |
| Total domestic deposits to total assets | 86.3223% | 1,856 |
| Equity capital to assets | 9.2857% | 4,606 |
| Core capital (leverage) ratio | 9.2432% | 4,440 |
| Tier 1 risk-based capital ratio | 11.1010% | 4,862 |
| Total risk-based capital ratio | 12.1704% | 4,830 |
| Memoranda: | ||
| Average total assets | $211,349,500 | 2,758 |
| Average earning assets | $180,086,000 | 2,906 |
| Average equity | $18,787,750 | 3,270 |
| Average total loans | $158,234,250 | 2,554 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1503% | 187 |
| Cost of funding earning assets | 1.6727% | 203 |
| Net interest margin | 4.4777% | 808 |
| Noninterest income to average assets | 0.6749% | 1,813 |
| Noninterest expense to average assets | 2.8054% | 2,572 |
| Loan and lease loss provision to assets | 0.3639% | 348 |
| Net operating income to assets | 1.1988% | 2,152 |
| Return on assets (ROA) | 1.1585% | 2,367 |
| Pretax return on assets | 1.2132% | 2,863 |
| Return on Equity (ROE) | 13.2262% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.2262% | 282 |
| Net charge-offs to loans | 0.2903% | 588 |
| Credit loss provision to net charge-offs | 169.2982% | 1,368 |
| Earnings coverage of net charge-offs (x) | 7.5351% | 2,478 |
| Efficiency ratio | 63.4001% | 3,227 |
| Assets per employee ($millions) | 4.1324% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,851 |
| Loan loss allowance to noncurrent loans | 45.8079% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 3.7941% | 121 |
| Noncurrent loans to loans | 2.4862% | 482 |
| Net loans and leases to total assets | 74.2624% | 1,843 |
| Net loans and leases to deposits | 85.7785% | 2,278 |
| Net loans and leases to core deposits | 116.9515% | 648 |
| Total domestic deposits to total assets | 86.5746% | 1,784 |
| Equity capital to assets | 9.1274% | 4,714 |
| Core capital (leverage) ratio | 8.9650% | 4,651 |
| Tier 1 risk-based capital ratio | 10.9866% | 4,914 |
| Total risk-based capital ratio | 12.0155% | 4,918 |
| Memoranda: | ||
| Average total assets | $212,165,330 | 2,758 |
| Average earning assets | $177,682,000 | 2,941 |
| Average equity | $18,584,330 | 3,291 |
| Average total loans | $157,060,670 | 2,582 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9126% | 252 |
| Cost of funding earning assets | 1.6736% | 171 |
| Net interest margin | 4.2389% | 1,221 |
| Noninterest income to average assets | 1.1631% | 598 |
| Noninterest expense to average assets | 2.7566% | 2,720 |
| Loan and lease loss provision to assets | 0.5524% | 187 |
| Net operating income to assets | 1.3379% | 1,566 |
| Return on assets (ROA) | 1.2533% | 1,921 |
| Pretax return on assets | 1.2533% | 2,614 |
| Return on Equity (ROE) | 14.6124% | 836 |
| Retained earnings to average equity (ytd only) | 14.6124% | 307 |
| Net charge-offs to loans | 0.0844% | 1,257 |
| Credit loss provision to net charge-offs | 890.9091% | 410 |
| Earnings coverage of net charge-offs (x) | 30.4848% | 1,322 |
| Efficiency ratio | 59.3207% | 3,904 |
| Assets per employee ($millions) | 4.1487% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,358 |
| Loan loss allowance to noncurrent loans | 43.3803% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 3.8831% | 121 |
| Noncurrent loans to loans | 2.8671% | 403 |
| Net loans and leases to total assets | 71.5640% | 2,238 |
| Net loans and leases to deposits | 82.2861% | 2,585 |
| Net loans and leases to core deposits | 110.4644% | 905 |
| Total domestic deposits to total assets | 86.9697% | 1,830 |
| Equity capital to assets | 8.7804% | 4,837 |
| Core capital (leverage) ratio | 8.8583% | 4,744 |
| Tier 1 risk-based capital ratio | 10.4886% | 5,181 |
| Total risk-based capital ratio | 11.5588% | 5,156 |
| Memoranda: | ||
| Average total assets | $212,873,000 | 2,783 |
| Average earning assets | $174,949,000 | 3,001 |
| Average equity | $18,258,500 | 3,331 |
| Average total loans | $156,435,500 | 2,619 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9996% | 163 |
| Cost of funding earning assets | 1.2383% | 292 |
| Net interest margin | 4.7613% | 432 |
| Noninterest income to average assets | 0.4540% | 3,084 |
| Noninterest expense to average assets | 3.0697% | 1,870 |
| Loan and lease loss provision to assets | 0.3329% | 470 |
| Net operating income to assets | 0.9687% | 3,145 |
| Return on assets (ROA) | 0.9687% | 3,144 |
| Pretax return on assets | 1.0993% | 3,270 |
| Return on Equity (ROE) | 11.4308% | 1,925 |
| Retained earnings to average equity (ytd only) | 11.4308% | 379 |
| Net charge-offs to loans | 0.2922% | 663 |
| Credit loss provision to net charge-offs | 150.1129% | 1,830 |
| Earnings coverage of net charge-offs (x) | 6.4582% | 3,087 |
| Efficiency ratio | 68.1864% | 2,504 |
| Assets per employee ($millions) | 4.2832% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,494 |
| Loan loss allowance to noncurrent loans | 36.2795% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 4.0409% | 113 |
| Noncurrent loans to loans | 2.8437% | 380 |
| Net loans and leases to total assets | 73.7292% | 1,975 |
| Net loans and leases to deposits | 85.5789% | 2,335 |
| Net loans and leases to core deposits | 116.0748% | 682 |
| Total domestic deposits to total assets | 86.1535% | 2,156 |
| Equity capital to assets | 8.3764% | 5,004 |
| Core capital (leverage) ratio | 8.5832% | 4,964 |
| Tier 1 risk-based capital ratio | 9.6445% | 5,360 |
| Total risk-based capital ratio | 10.5253% | 5,370 |
| Memoranda: | ||
| Average total assets | $199,760,800 | 2,872 |
| Average earning assets | $169,829,200 | 3,028 |
| Average equity | $16,928,000 | 3,404 |
| Average total loans | $151,598,200 | 2,624 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 164 |
| Cost of funding earning assets | 1.1338% | 347 |
| Net interest margin | 4.8196% | 364 |
| Noninterest income to average assets | 0.3086% | 4,080 |
| Noninterest expense to average assets | 3.0695% | 1,839 |
| Loan and lease loss provision to assets | 0.2848% | 526 |
| Net operating income to assets | 0.9217% | 3,422 |
| Return on assets (ROA) | 0.9217% | 3,425 |
| Pretax return on assets | 1.0916% | 3,429 |
| Return on Equity (ROE) | 10.8421% | 2,240 |
| Retained earnings to average equity (ytd only) | 10.8421% | 684 |
| Net charge-offs to loans | 0.1925% | 868 |
| Credit loss provision to net charge-offs | 193.9815% | 1,417 |
| Earnings coverage of net charge-offs (x) | 9.3751% | 2,646 |
| Efficiency ratio | 69.0414% | 2,351 |
| Assets per employee ($millions) | 4.2726% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,585 |
| Loan loss allowance to noncurrent loans | 182.6038% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 2.5955% | 330 |
| Noncurrent loans to loans | 0.5637% | 2,689 |
| Net loans and leases to total assets | 74.7157% | 1,871 |
| Net loans and leases to deposits | 86.1878% | 2,345 |
| Net loans and leases to core deposits | 116.6055% | 690 |
| Total domestic deposits to total assets | 86.6894% | 1,873 |
| Equity capital to assets | 8.2710% | 5,046 |
| Core capital (leverage) ratio | 8.4685% | 5,109 |
| Tier 1 risk-based capital ratio | 9.7331% | 5,418 |
| Total risk-based capital ratio | 10.6409% | 5,432 |
| Memoranda: | ||
| Average total assets | $196,160,500 | 2,931 |
| Average earning assets | $168,391,750 | 3,065 |
| Average equity | $16,675,250 | 3,451 |
| Average total loans | $149,611,250 | 2,662 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 170 |
| Cost of funding earning assets | 1.0130% | 448 |
| Net interest margin | 4.8654% | 325 |
| Noninterest income to average assets | 0.8292% | 1,390 |
| Noninterest expense to average assets | 3.4147% | 1,123 |
| Loan and lease loss provision to assets | 0.2409% | 649 |
| Net operating income to assets | 1.2140% | 2,137 |
| Return on assets (ROA) | 1.2140% | 2,131 |
| Pretax return on assets | 1.3913% | 2,180 |
| Return on Equity (ROE) | 14.0735% | 1,062 |
| Retained earnings to average equity (ytd only) | 14.0735% | 277 |
| Net charge-offs to loans | 0.1267% | 1,168 |
| Credit loss provision to net charge-offs | 248.3871% | 1,150 |
| Earnings coverage of net charge-offs (x) | 16.8280% | 1,984 |
| Efficiency ratio | 67.6586% | 2,703 |
| Assets per employee ($millions) | 4.1102% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,761 |
| Loan loss allowance to noncurrent loans | 116.5672% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 3.0387% | 241 |
| Noncurrent loans to loans | 0.8675% | 1,992 |
| Net loans and leases to total assets | 75.9167% | 1,650 |
| Net loans and leases to deposits | 86.9103% | 2,233 |
| Net loans and leases to core deposits | 118.5827% | 607 |
| Total domestic deposits to total assets | 87.3506% | 1,704 |
| Equity capital to assets | 8.5228% | 4,924 |
| Core capital (leverage) ratio | 8.8391% | 4,851 |
| Tier 1 risk-based capital ratio | 10.0182% | 5,428 |
| Total risk-based capital ratio | 10.9252% | 5,448 |
| Memoranda: | ||
| Average total assets | $191,761,000 | 2,991 |
| Average earning assets | $166,235,000 | 3,107 |
| Average equity | $16,541,670 | 3,492 |
| Average total loans | $146,798,000 | 2,710 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8376% | 172 |
| Cost of funding earning assets | 0.9280% | 522 |
| Net interest margin | 4.9096% | 271 |
| Noninterest income to average assets | 0.5435% | 2,561 |
| Noninterest expense to average assets | 3.1026% | 1,817 |
| Loan and lease loss provision to assets | 0.2696% | 515 |
| Net operating income to assets | 1.2582% | 1,782 |
| Return on assets (ROA) | 1.2582% | 1,792 |
| Pretax return on assets | 1.4614% | 1,798 |
| Return on Equity (ROE) | 14.4917% | 902 |
| Retained earnings to average equity (ytd only) | 14.4917% | 364 |
| Net charge-offs to loans | 0.2014% | 732 |
| Credit loss provision to net charge-offs | 175.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 11.2361% | 1,857 |
| Efficiency ratio | 64.1877% | 3,449 |
| Assets per employee ($millions) | 3.8527% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,754 |
| Loan loss allowance to noncurrent loans | 107.0239% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 3.3287% | 218 |
| Noncurrent loans to loans | 0.9677% | 1,882 |
| Net loans and leases to total assets | 74.8100% | 1,740 |
| Net loans and leases to deposits | 85.5859% | 2,219 |
| Net loans and leases to core deposits | 114.5728% | 775 |
| Total domestic deposits to total assets | 87.4092% | 1,946 |
| Equity capital to assets | 8.7138% | 4,813 |
| Core capital (leverage) ratio | 8.9173% | 4,780 |
| Tier 1 risk-based capital ratio | 10.8133% | 5,243 |
| Total risk-based capital ratio | 11.7716% | 5,254 |
| Memoranda: | ||
| Average total assets | $186,941,000 | 3,065 |
| Average earning assets | $163,353,500 | 3,172 |
| Average equity | $16,230,000 | 3,557 |
| Average total loans | $142,967,500 | 2,777 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5553% | 247 |
| Cost of funding earning assets | 0.7536% | 808 |
| Net interest margin | 4.8017% | 352 |
| Noninterest income to average assets | 0.4706% | 3,185 |
| Noninterest expense to average assets | 3.3686% | 1,258 |
| Loan and lease loss provision to assets | 0.1927% | 1,088 |
| Net operating income to assets | 0.6410% | 3,848 |
| Return on assets (ROA) | 0.6421% | 3,881 |
| Pretax return on assets | 1.1047% | 3,169 |
| Return on Equity (ROE) | 7.1834% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.1834% | 1,011 |
| Net charge-offs to loans | 0.1846% | 1,364 |
| Credit loss provision to net charge-offs | 135.6275% | 1,949 |
| Earnings coverage of net charge-offs (x) | 9.1174% | 2,823 |
| Efficiency ratio | 72.2215% | 2,186 |
| Assets per employee ($millions) | 3.7776% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,984 |
| Loan loss allowance to noncurrent loans | 79.6421% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 3.8190% | 161 |
| Noncurrent loans to loans | 1.2483% | 1,414 |
| Net loans and leases to total assets | 76.6101% | 1,492 |
| Net loans and leases to deposits | 85.9456% | 2,270 |
| Net loans and leases to core deposits | 117.4007% | 671 |
| Total domestic deposits to total assets | 89.1378% | 939 |
| Equity capital to assets | 8.6493% | 4,991 |
| Core capital (leverage) ratio | 8.9114% | 4,744 |
| Tier 1 risk-based capital ratio | 10.6454% | 5,319 |
| Total risk-based capital ratio | 11.5876% | 5,353 |
| Memoranda: | ||
| Average total assets | $173,809,200 | 3,198 |
| Average earning assets | $151,800,400 | 3,299 |
| Average equity | $15,535,800 | 3,654 |
| Average total loans | $133,785,800 | 2,861 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 248 |
| Cost of funding earning assets | 0.7289% | 849 |
| Net interest margin | 4.7869% | 347 |
| Noninterest income to average assets | 0.4881% | 3,094 |
| Noninterest expense to average assets | 3.3203% | 1,299 |
| Loan and lease loss provision to assets | 0.1926% | 1,001 |
| Net operating income to assets | 0.7984% | 3,530 |
| Return on assets (ROA) | 0.8000% | 3,571 |
| Pretax return on assets | 1.1463% | 3,127 |
| Return on Equity (ROE) | 8.8730% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.8730% | 891 |
| Net charge-offs to loans | 0.1562% | 1,304 |
| Credit loss provision to net charge-offs | 160.3896% | 1,599 |
| Earnings coverage of net charge-offs (x) | 11.1298% | 2,528 |
| Efficiency ratio | 71.2994% | 2,325 |
| Assets per employee ($millions) | 3.7262% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,852 |
| Loan loss allowance to noncurrent loans | 78.8631% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 4.0485% | 164 |
| Noncurrent loans to loans | 1.3160% | 1,454 |
| Net loans and leases to total assets | 76.1828% | 1,562 |
| Net loans and leases to deposits | 87.7036% | 2,101 |
| Net loans and leases to core deposits | 117.2191% | 697 |
| Total domestic deposits to total assets | 86.8639% | 1,924 |
| Equity capital to assets | 8.9177% | 4,984 |
| Core capital (leverage) ratio | 9.2399% | 4,479 |
| Tier 1 risk-based capital ratio | 11.0412% | 5,226 |
| Total risk-based capital ratio | 12.0274% | 5,268 |
| Memoranda: | ||
| Average total assets | $170,986,250 | 3,259 |
| Average earning assets | $148,902,000 | 3,367 |
| Average equity | $15,417,250 | 3,700 |
| Average total loans | $131,424,750 | 2,923 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6361% | 200 |
| Cost of funding earning assets | 0.7086% | 855 |
| Net interest margin | 4.9275% | 252 |
| Noninterest income to average assets | 0.5690% | 2,609 |
| Noninterest expense to average assets | 3.3594% | 1,257 |
| Loan and lease loss provision to assets | 0.1794% | 1,058 |
| Net operating income to assets | 0.9194% | 2,809 |
| Return on assets (ROA) | 0.9218% | 2,855 |
| Pretax return on assets | 1.3293% | 2,272 |
| Return on Equity (ROE) | 10.1839% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.1839% | 548 |
| Net charge-offs to loans | 0.1098% | 1,536 |
| Credit loss provision to net charge-offs | 212.6761% | 1,217 |
| Earnings coverage of net charge-offs (x) | 17.8451% | 1,910 |
| Efficiency ratio | 69.0598% | 2,838 |
| Assets per employee ($millions) | 3.5874% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,677 |
| Loan loss allowance to noncurrent loans | 1,072.7273% | 552 |
| Noncurrent assets plus other real estate owned to assets | 3.3817% | 244 |
| Noncurrent loans to loans | 0.1011% | 4,726 |
| Net loans and leases to total assets | 75.0357% | 1,694 |
| Net loans and leases to deposits | 85.6782% | 2,261 |
| Net loans and leases to core deposits | 99.1787% | 1,708 |
| Total domestic deposits to total assets | 87.5785% | 1,675 |
| Equity capital to assets | 9.1194% | 4,782 |
| Core capital (leverage) ratio | 9.2526% | 4,429 |
| Tier 1 risk-based capital ratio | 11.4362% | 4,998 |
| Total risk-based capital ratio | 12.4705% | 5,022 |
| Memoranda: | ||
| Average total assets | $168,362,330 | 3,304 |
| Average earning assets | $146,767,000 | 3,404 |
| Average equity | $15,239,670 | 3,729 |
| Average total loans | $129,337,000 | 2,956 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5809% | 206 |
| Cost of funding earning assets | 0.7004% | 843 |
| Net interest margin | 4.8805% | 269 |
| Noninterest income to average assets | 0.4902% | 3,047 |
| Noninterest expense to average assets | 3.3500% | 1,288 |
| Loan and lease loss provision to assets | 0.2163% | 740 |
| Net operating income to assets | 0.8267% | 3,094 |
| Return on assets (ROA) | 0.8267% | 3,147 |
| Pretax return on assets | 1.1776% | 2,689 |
| Return on Equity (ROE) | 9.1684% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.1684% | 1,027 |
| Net charge-offs to loans | 0.1741% | 953 |
| Credit loss provision to net charge-offs | 160.7143% | 1,164 |
| Earnings coverage of net charge-offs (x) | 10.3571% | 1,943 |
| Efficiency ratio | 70.6180% | 2,800 |
| Assets per employee ($millions) | 3.5225% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,938 |
| Loan loss allowance to noncurrent loans | 151.8847% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 4.1093% | 181 |
| Noncurrent loans to loans | 0.6973% | 2,755 |
| Net loans and leases to total assets | 75.7009% | 1,457 |
| Net loans and leases to deposits | 86.9957% | 1,913 |
| Net loans and leases to core deposits | 100.7303% | 1,461 |
| Total domestic deposits to total assets | 87.0168% | 2,206 |
| Equity capital to assets | 8.9810% | 4,824 |
| Core capital (leverage) ratio | 9.0028% | 4,736 |
| Tier 1 risk-based capital ratio | 11.6707% | 4,934 |
| Total risk-based capital ratio | 12.7329% | 4,940 |
| Memoranda: | ||
| Average total assets | $166,446,500 | 3,352 |
| Average earning assets | $145,067,000 | 3,462 |
| Average equity | $15,008,000 | 3,784 |
| Average total loans | $128,694,000 | 2,980 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8807% | 140 |
| Cost of funding earning assets | 0.8514% | 388 |
| Net interest margin | 5.0293% | 236 |
| Noninterest income to average assets | 0.3435% | 4,276 |
| Noninterest expense to average assets | 3.4274% | 1,299 |
| Loan and lease loss provision to assets | 0.1534% | 1,634 |
| Net operating income to assets | 0.7603% | 3,486 |
| Return on assets (ROA) | 0.7461% | 3,673 |
| Pretax return on assets | 1.0834% | 3,162 |
| Return on Equity (ROE) | 8.3761% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.3761% | 745 |
| Net charge-offs to loans | 0.3260% | 845 |
| Credit loss provision to net charge-offs | 60.9877% | 3,228 |
| Earnings coverage of net charge-offs (x) | 4.9975% | 3,409 |
| Efficiency ratio | 73.1601% | 2,401 |
| Assets per employee ($millions) | 3.4854% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 4,050 |
| Loan loss allowance to noncurrent loans | 172.8331% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 4.1804% | 176 |
| Noncurrent loans to loans | 0.6038% | 3,041 |
| Net loans and leases to total assets | 77.3364% | 1,307 |
| Net loans and leases to deposits | 88.9300% | 1,812 |
| Net loans and leases to core deposits | 106.0249% | 1,128 |
| Total domestic deposits to total assets | 86.9632% | 2,167 |
| Equity capital to assets | 9.0536% | 4,759 |
| Core capital (leverage) ratio | 9.0955% | 4,622 |
| Tier 1 risk-based capital ratio | 11.3354% | 5,149 |
| Total risk-based capital ratio | 12.3468% | 5,176 |
| Memoranda: | ||
| Average total assets | $160,967,800 | 3,386 |
| Average earning assets | $138,945,600 | 3,510 |
| Average equity | $14,338,400 | 3,900 |
| Average total loans | $124,248,400 | 3,004 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 137 |
| Cost of funding earning assets | 0.8903% | 309 |
| Net interest margin | 5.0004% | 250 |
| Noninterest income to average assets | 0.3045% | 4,589 |
| Noninterest expense to average assets | 3.4377% | 1,270 |
| Loan and lease loss provision to assets | 0.1930% | 1,119 |
| Net operating income to assets | 0.6751% | 3,984 |
| Return on assets (ROA) | 0.6648% | 4,143 |
| Pretax return on assets | 0.9626% | 3,769 |
| Return on Equity (ROE) | 7.4941% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.4941% | 1,405 |
| Net charge-offs to loans | 0.3590% | 627 |
| Credit loss provision to net charge-offs | 69.8795% | 2,791 |
| Earnings coverage of net charge-offs (x) | 4.2379% | 3,296 |
| Efficiency ratio | 74.5983% | 2,173 |
| Assets per employee ($millions) | 3.4851% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,619 |
| Loan loss allowance to noncurrent loans | 753.5135% | 761 |
| Noncurrent assets plus other real estate owned to assets | 3.6239% | 263 |
| Noncurrent loans to loans | 0.1512% | 4,741 |
| Net loans and leases to total assets | 73.8394% | 1,891 |
| Net loans and leases to deposits | 81.9832% | 2,735 |
| Net loans and leases to core deposits | 96.4536% | 1,950 |
| Total domestic deposits to total assets | 90.0665% | 461 |
| Equity capital to assets | 8.9249% | 5,229 |
| Core capital (leverage) ratio | 9.0129% | 4,818 |
| Tier 1 risk-based capital ratio | 11.4404% | 5,126 |
| Total risk-based capital ratio | 12.5277% | 5,114 |
| Memoranda: | ||
| Average total assets | $160,256,500 | 3,409 |
| Average earning assets | $137,932,250 | 3,543 |
| Average equity | $14,215,250 | 3,952 |
| Average total loans | $123,304,750 | 3,025 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 151 |
| Cost of funding earning assets | 0.8844% | 316 |
| Net interest margin | 4.9773% | 268 |
| Noninterest income to average assets | 0.3872% | 3,973 |
| Noninterest expense to average assets | 3.3946% | 1,384 |
| Loan and lease loss provision to assets | 0.1609% | 1,410 |
| Net operating income to assets | 0.7861% | 3,380 |
| Return on assets (ROA) | 0.7921% | 3,490 |
| Pretax return on assets | 1.1567% | 2,957 |
| Return on Equity (ROE) | 8.9484% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.9484% | 866 |
| Net charge-offs to loans | 0.2313% | 1,017 |
| Credit loss provision to net charge-offs | 89.5105% | 2,248 |
| Earnings coverage of net charge-offs (x) | 7.2797% | 2,639 |
| Efficiency ratio | 72.1732% | 2,622 |
| Assets per employee ($millions) | 3.6411% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,579 |
| Loan loss allowance to noncurrent loans | 195.1187% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 4.2332% | 196 |
| Noncurrent loans to loans | 0.5949% | 3,284 |
| Net loans and leases to total assets | 76.8621% | 1,361 |
| Net loans and leases to deposits | 88.1683% | 1,974 |
| Net loans and leases to core deposits | 104.7554% | 1,264 |
| Total domestic deposits to total assets | 87.1765% | 1,826 |
| Equity capital to assets | 8.8076% | 5,397 |
| Core capital (leverage) ratio | 8.8860% | 4,954 |
| Tier 1 risk-based capital ratio | 10.9062% | 5,474 |
| Total risk-based capital ratio | 12.0218% | 5,462 |
| Memoranda: | ||
| Average total assets | $159,075,330 | 3,442 |
| Average earning assets | $137,947,000 | 3,566 |
| Average equity | $14,080,670 | 3,985 |
| Average total loans | $123,625,330 | 3,025 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 153 |
| Cost of funding earning assets | 0.8774% | 323 |
| Net interest margin | 4.9593% | 274 |
| Noninterest income to average assets | 0.4850% | 3,227 |
| Noninterest expense to average assets | 3.3850% | 1,417 |
| Loan and lease loss provision to assets | 0.2298% | 805 |
| Net operating income to assets | 0.8132% | 3,175 |
| Return on assets (ROA) | 0.8220% | 3,267 |
| Pretax return on assets | 1.1973% | 2,710 |
| Return on Equity (ROE) | 9.2625% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.2625% | 1,036 |
| Net charge-offs to loans | 0.0394% | 2,211 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 46.1667% | 928 |
| Efficiency ratio | 70.5319% | 3,039 |
| Assets per employee ($millions) | 3.7133% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 3,134 |
| Loan loss allowance to noncurrent loans | 263.7584% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 4.4347% | 203 |
| Noncurrent loans to loans | 0.4766% | 3,755 |
| Net loans and leases to total assets | 77.3348% | 1,201 |
| Net loans and leases to deposits | 89.0499% | 1,695 |
| Net loans and leases to core deposits | 102.9841% | 1,267 |
| Total domestic deposits to total assets | 86.8443% | 2,278 |
| Equity capital to assets | 8.8256% | 5,319 |
| Core capital (leverage) ratio | 8.9869% | 4,876 |
| Tier 1 risk-based capital ratio | 10.7878% | 5,615 |
| Total risk-based capital ratio | 11.9913% | 5,550 |
| Memoranda: | ||
| Average total assets | $156,689,000 | 3,485 |
| Average earning assets | $136,310,500 | 3,614 |
| Average equity | $13,905,500 | 4,017 |
| Average total loans | $121,730,000 | 3,059 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 216 |
| Cost of funding earning assets | 0.8979% | 292 |
| Net interest margin | 4.7454% | 420 |
| Noninterest income to average assets | 0.4373% | 3,765 |
| Noninterest expense to average assets | 3.1542% | 2,077 |
| Loan and lease loss provision to assets | 0.4729% | 252 |
| Net operating income to assets | 0.6639% | 3,981 |
| Return on assets (ROA) | 0.6811% | 3,998 |
| Pretax return on assets | 0.9558% | 3,628 |
| Return on Equity (ROE) | 7.6370% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.6370% | 1,051 |
| Net charge-offs to loans | 0.8482% | 256 |
| Credit loss provision to net charge-offs | 74.8936% | 3,041 |
| Earnings coverage of net charge-offs (x) | 2.2245% | 3,948 |
| Efficiency ratio | 69.1911% | 3,366 |
| Assets per employee ($millions) | 3.5746% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 3,100 |
| Loan loss allowance to noncurrent loans | 50.9550% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 4.9426% | 175 |
| Noncurrent loans to loans | 2.4762% | 749 |
| Net loans and leases to total assets | 76.0621% | 1,406 |
| Net loans and leases to deposits | 87.7599% | 1,909 |
| Net loans and leases to core deposits | 103.3312% | 1,277 |
| Total domestic deposits to total assets | 86.6707% | 2,290 |
| Equity capital to assets | 8.9255% | 5,192 |
| Core capital (leverage) ratio | 9.0467% | 4,823 |
| Tier 1 risk-based capital ratio | 11.1509% | 5,442 |
| Total risk-based capital ratio | 12.3605% | 5,368 |
| Memoranda: | ||
| Average total assets | $148,880,200 | 3,587 |
| Average earning assets | $129,305,000 | 3,716 |
| Average equity | $13,277,400 | 4,081 |
| Average total loans | $110,822,000 | 3,185 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6121% | 224 |
| Cost of funding earning assets | 0.8972% | 298 |
| Net interest margin | 4.7149% | 442 |
| Noninterest income to average assets | 0.4180% | 3,946 |
| Noninterest expense to average assets | 3.1149% | 2,183 |
| Loan and lease loss provision to assets | 0.2320% | 781 |
| Net operating income to assets | 0.8301% | 3,284 |
| Return on assets (ROA) | 0.8496% | 3,262 |
| Pretax return on assets | 1.1882% | 2,860 |
| Return on Equity (ROE) | 9.5287% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.5287% | 730 |
| Net charge-offs to loans | 0.4272% | 597 |
| Credit loss provision to net charge-offs | 73.6390% | 2,707 |
| Earnings coverage of net charge-offs (x) | 4.4212% | 3,354 |
| Efficiency ratio | 69.0967% | 3,353 |
| Assets per employee ($millions) | 3.4137% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 2,452 |
| Loan loss allowance to noncurrent loans | 54.6000% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 5.0958% | 192 |
| Noncurrent loans to loans | 2.6213% | 750 |
| Net loans and leases to total assets | 75.1049% | 1,528 |
| Net loans and leases to deposits | 88.3335% | 1,855 |
| Net loans and leases to core deposits | 102.6068% | 1,333 |
| Total domestic deposits to total assets | 85.0242% | 2,995 |
| Equity capital to assets | 9.0938% | 5,216 |
| Core capital (leverage) ratio | 9.1473% | 4,812 |
| Tier 1 risk-based capital ratio | 11.3970% | 5,430 |
| Total risk-based capital ratio | 12.6488% | 5,338 |
| Memoranda: | ||
| Average total assets | $147,673,750 | 3,640 |
| Average earning assets | $128,101,750 | 3,772 |
| Average equity | $13,167,000 | 4,150 |
| Average total loans | $108,926,000 | 3,248 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 247 |
| Cost of funding earning assets | 0.9010% | 288 |
| Net interest margin | 4.6384% | 491 |
| Noninterest income to average assets | 0.4509% | 3,701 |
| Noninterest expense to average assets | 3.1410% | 2,142 |
| Loan and lease loss provision to assets | 0.2520% | 693 |
| Net operating income to assets | 0.7783% | 3,496 |
| Return on assets (ROA) | 0.8077% | 3,445 |
| Pretax return on assets | 1.1237% | 3,078 |
| Return on Equity (ROE) | 9.1210% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.1210% | 885 |
| Net charge-offs to loans | 0.5995% | 397 |
| Credit loss provision to net charge-offs | 57.6324% | 2,616 |
| Earnings coverage of net charge-offs (x) | 3.0530% | 3,251 |
| Efficiency ratio | 70.1765% | 3,299 |
| Assets per employee ($millions) | 3.5450% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 2,531 |
| Loan loss allowance to noncurrent loans | 93.7647% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 4.2877% | 291 |
| Noncurrent loans to loans | 1.5419% | 1,718 |
| Net loans and leases to total assets | 72.9811% | 1,826 |
| Net loans and leases to deposits | 84.3840% | 2,265 |
| Net loans and leases to core deposits | 97.0960% | 1,713 |
| Total domestic deposits to total assets | 86.4868% | 2,444 |
| Equity capital to assets | 8.8937% | 5,348 |
| Core capital (leverage) ratio | 9.0256% | 4,928 |
| Tier 1 risk-based capital ratio | 11.6483% | 5,370 |
| Total risk-based capital ratio | 12.9002% | 5,288 |
| Memoranda: | ||
| Average total assets | $146,831,000 | 3,680 |
| Average earning assets | $127,414,670 | 3,813 |
| Average equity | $13,003,000 | 4,212 |
| Average total loans | $107,085,670 | 3,298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 243 |
| Cost of funding earning assets | 0.9019% | 286 |
| Net interest margin | 4.6336% | 465 |
| Noninterest income to average assets | 0.3978% | 4,022 |
| Noninterest expense to average assets | 3.1413% | 2,158 |
| Loan and lease loss provision to assets | 0.3045% | 473 |
| Net operating income to assets | 0.6974% | 3,816 |
| Return on assets (ROA) | 0.7435% | 3,703 |
| Pretax return on assets | 1.0178% | 3,428 |
| Return on Equity (ROE) | 8.4139% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.4139% | 1,409 |
| Net charge-offs to loans | 0.3829% | 640 |
| Credit loss provision to net charge-offs | 109.9010% | 1,514 |
| Earnings coverage of net charge-offs (x) | 4.5446% | 2,479 |
| Efficiency ratio | 71.3840% | 3,271 |
| Assets per employee ($millions) | 3.5272% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 1,897 |
| Loan loss allowance to noncurrent loans | 85.3359% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 4.7387% | 271 |
| Noncurrent loans to loans | 1.9287% | 1,385 |
| Net loans and leases to total assets | 70.1892% | 2,116 |
| Net loans and leases to deposits | 81.0841% | 2,440 |
| Net loans and leases to core deposits | 92.8674% | 1,867 |
| Total domestic deposits to total assets | 86.5635% | 2,626 |
| Equity capital to assets | 8.8004% | 5,501 |
| Core capital (leverage) ratio | 8.9461% | 5,019 |
| Tier 1 risk-based capital ratio | 11.7723% | 5,394 |
| Total risk-based capital ratio | 13.0267% | 5,288 |
| Memoranda: | ||
| Average total assets | $145,800,500 | 3,717 |
| Average earning assets | $125,950,000 | 3,869 |
| Average equity | $12,883,500 | 4,256 |
| Average total loans | $105,500,000 | 3,346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 292 |
| Cost of funding earning assets | 0.9908% | 239 |
| Net interest margin | 4.5597% | 669 |
| Noninterest income to average assets | 0.3285% | 4,764 |
| Noninterest expense to average assets | 3.2369% | 2,107 |
| Loan and lease loss provision to assets | 0.4270% | 401 |
| Net operating income to assets | 0.4359% | 5,088 |
| Return on assets (ROA) | 0.4593% | 5,065 |
| Pretax return on assets | 0.6196% | 4,874 |
| Return on Equity (ROE) | 5.2719% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.2719% | 2,417 |
| Net charge-offs to loans | 0.3404% | 1,288 |
| Credit loss provision to net charge-offs | 174.7059% | 1,391 |
| Earnings coverage of net charge-offs (x) | 4.1529% | 3,725 |
| Efficiency ratio | 76.1285% | 2,490 |
| Assets per employee ($millions) | 3.4157% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,944 |
| Loan loss allowance to noncurrent loans | 78.3870% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 5.0335% | 275 |
| Noncurrent loans to loans | 2.0963% | 1,301 |
| Net loans and leases to total assets | 72.1811% | 1,881 |
| Net loans and leases to deposits | 83.6532% | 2,254 |
| Net loans and leases to core deposits | 95.0463% | 1,809 |
| Total domestic deposits to total assets | 86.2861% | 2,684 |
| Equity capital to assets | 8.8736% | 5,409 |
| Core capital (leverage) ratio | 8.9752% | 5,032 |
| Tier 1 risk-based capital ratio | 11.4501% | 5,687 |
| Total risk-based capital ratio | 12.7038% | 5,607 |
| Memoranda: | ||
| Average total assets | $139,115,600 | 3,817 |
| Average earning assets | $119,700,200 | 3,976 |
| Average equity | $12,120,800 | 4,335 |
| Average total loans | $99,873,800 | 3,425 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5713% | 286 |
| Cost of funding earning assets | 1.0033% | 246 |
| Net interest margin | 4.5679% | 658 |
| Noninterest income to average assets | 0.2753% | 5,237 |
| Noninterest expense to average assets | 3.2417% | 2,048 |
| Loan and lease loss provision to assets | 0.5245% | 282 |
| Net operating income to assets | 0.3914% | 5,276 |
| Return on assets (ROA) | 0.4125% | 5,278 |
| Pretax return on assets | 0.4550% | 5,454 |
| Return on Equity (ROE) | 4.7568% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.7568% | 3,238 |
| Net charge-offs to loans | 0.2693% | 1,458 |
| Credit loss provision to net charge-offs | 272.8643% | 982 |
| Earnings coverage of net charge-offs (x) | 4.9748% | 3,342 |
| Efficiency ratio | 77.2204% | 2,320 |
| Assets per employee ($millions) | 3.3290% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7980% | 1,697 |
| Loan loss allowance to noncurrent loans | 116.0714% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 4.9027% | 358 |
| Noncurrent loans to loans | 1.5491% | 2,095 |
| Net loans and leases to total assets | 71.0921% | 2,011 |
| Net loans and leases to deposits | 82.4850% | 2,362 |
| Net loans and leases to core deposits | 92.2139% | 2,019 |
| Total domestic deposits to total assets | 86.1880% | 2,763 |
| Equity capital to assets | 8.8557% | 5,504 |
| Core capital (leverage) ratio | 8.9084% | 5,183 |
| Tier 1 risk-based capital ratio | 11.4567% | 5,808 |
| Total risk-based capital ratio | 12.7124% | 5,743 |
| Memoranda: | ||
| Average total assets | $138,029,500 | 3,865 |
| Average earning assets | $118,534,000 | 4,027 |
| Average equity | $11,968,500 | 4,392 |
| Average total loans | $98,522,000 | 3,474 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 289 |
| Cost of funding earning assets | 1.0148% | 241 |
| Net interest margin | 4.5200% | 679 |
| Noninterest income to average assets | 0.1688% | 5,945 |
| Noninterest expense to average assets | 3.1987% | 2,197 |
| Loan and lease loss provision to assets | 0.5850% | 242 |
| Net operating income to assets | 0.2516% | 5,707 |
| Return on assets (ROA) | 0.2634% | 5,756 |
| Pretax return on assets | 0.2940% | 5,787 |
| Return on Equity (ROE) | 3.0598% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.0598% | 4,256 |
| Net charge-offs to loans | 0.2602% | 1,508 |
| Credit loss provision to net charge-offs | 316.5354% | 817 |
| Earnings coverage of net charge-offs (x) | 4.6850% | 3,063 |
| Efficiency ratio | 78.6967% | 2,204 |
| Assets per employee ($millions) | 3.3299% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,005 |
| Loan loss allowance to noncurrent loans | 151.8647% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 4.7628% | 392 |
| Noncurrent loans to loans | 1.1460% | 2,936 |
| Net loans and leases to total assets | 70.6891% | 1,967 |
| Net loans and leases to deposits | 81.8795% | 2,265 |
| Net loans and leases to core deposits | 86.0060% | 2,513 |
| Total domestic deposits to total assets | 86.3331% | 2,853 |
| Equity capital to assets | 8.6339% | 5,680 |
| Core capital (leverage) ratio | 8.5972% | 5,534 |
| Tier 1 risk-based capital ratio | 11.0547% | 6,029 |
| Total risk-based capital ratio | 12.3097% | 5,966 |
| Memoranda: | ||
| Average total assets | $137,432,670 | 3,897 |
| Average earning assets | $118,450,330 | 4,051 |
| Average equity | $11,830,670 | 4,431 |
| Average total loans | $97,622,330 | 3,499 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 370 |
| Cost of funding earning assets | 1.0223% | 247 |
| Net interest margin | 4.3430% | 915 |
| Noninterest income to average assets | 0.1233% | 6,228 |
| Noninterest expense to average assets | 3.1361% | 2,422 |
| Loan and lease loss provision to assets | 0.5902% | 227 |
| Net operating income to assets | 0.1069% | 6,014 |
| Return on assets (ROA) | 0.1145% | 6,030 |
| Pretax return on assets | 0.1762% | 5,962 |
| Return on Equity (ROE) | 1.3324% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.3324% | 5,082 |
| Net charge-offs to loans | 0.1124% | 2,056 |
| Credit loss provision to net charge-offs | 744.4444% | 400 |
| Earnings coverage of net charge-offs (x) | 9.5185% | 1,929 |
| Efficiency ratio | 80.6038% | 2,107 |
| Assets per employee ($millions) | 3.2528% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 2,316 |
| Loan loss allowance to noncurrent loans | 151.0989% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 4.2052% | 542 |
| Noncurrent loans to loans | 1.1326% | 3,154 |
| Net loans and leases to total assets | 69.3682% | 2,001 |
| Net loans and leases to deposits | 80.9423% | 2,169 |
| Net loans and leases to core deposits | 90.7131% | 1,850 |
| Total domestic deposits to total assets | 85.7008% | 3,514 |
| Equity capital to assets | 8.6373% | 5,508 |
| Core capital (leverage) ratio | 8.5831% | 5,545 |
| Tier 1 risk-based capital ratio | 11.4669% | 5,932 |
| Total risk-based capital ratio | 12.7218% | 5,879 |
| Memoranda: | ||
| Average total assets | $136,221,000 | 3,952 |
| Average earning assets | $118,167,000 | 4,089 |
| Average equity | $11,708,500 | 4,472 |
| Average total loans | $96,126,500 | 3,549 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 612 |
| Cost of funding earning assets | 1.1306% | 240 |
| Net interest margin | 4.0890% | 1,678 |
| Noninterest income to average assets | 0.5721% | 3,262 |
| Noninterest expense to average assets | 3.0276% | 2,973 |
| Loan and lease loss provision to assets | 0.9279% | 204 |
| Net operating income to assets | 0.1671% | 5,898 |
| Return on assets (ROA) | 0.1678% | 5,964 |
| Pretax return on assets | 0.1701% | 5,990 |
| Return on Equity (ROE) | 1.9009% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.9009% | 4,880 |
| Net charge-offs to loans | 1.4719% | 325 |
| Credit loss provision to net charge-offs | 91.6053% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.0832% | 4,717 |
| Efficiency ratio | 73.3996% | 3,231 |
| Assets per employee ($millions) | 3.2340% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 3,005 |
| Loan loss allowance to noncurrent loans | 53.8490% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 5.6668% | 359 |
| Noncurrent loans to loans | 2.8601% | 1,230 |
| Net loans and leases to total assets | 69.4705% | 2,101 |
| Net loans and leases to deposits | 80.4349% | 2,393 |
| Net loans and leases to core deposits | 91.6116% | 1,832 |
| Total domestic deposits to total assets | 86.3686% | 3,062 |
| Equity capital to assets | 8.5529% | 5,526 |
| Core capital (leverage) ratio | 8.6344% | 5,492 |
| Tier 1 risk-based capital ratio | 11.3584% | 5,991 |
| Total risk-based capital ratio | 12.6104% | 5,918 |
| Memoranda: | ||
| Average total assets | $134,065,800 | 3,996 |
| Average earning assets | $116,484,200 | 4,121 |
| Average equity | $11,836,600 | 4,477 |
| Average total loans | $92,259,200 | 3,636 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 655 |
| Cost of funding earning assets | 1.1449% | 248 |
| Net interest margin | 4.0491% | 1,790 |
| Noninterest income to average assets | 0.5717% | 3,322 |
| Noninterest expense to average assets | 2.9984% | 3,001 |
| Loan and lease loss provision to assets | 0.7014% | 315 |
| Net operating income to assets | 0.3155% | 5,562 |
| Return on assets (ROA) | 0.3163% | 5,673 |
| Pretax return on assets | 0.3911% | 5,648 |
| Return on Equity (ROE) | 3.5543% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.5543% | 4,170 |
| Net charge-offs to loans | 1.5250% | 299 |
| Credit loss provision to net charge-offs | 67.2727% | 3,124 |
| Earnings coverage of net charge-offs (x) | 1.0469% | 4,497 |
| Efficiency ratio | 73.3106% | 3,172 |
| Assets per employee ($millions) | 3.2093% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 4,070 |
| Loan loss allowance to noncurrent loans | 43.8510% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 5.5701% | 465 |
| Noncurrent loans to loans | 3.1073% | 1,280 |
| Net loans and leases to total assets | 67.0257% | 2,454 |
| Net loans and leases to deposits | 77.9069% | 2,680 |
| Net loans and leases to core deposits | 84.3383% | 2,615 |
| Total domestic deposits to total assets | 86.0331% | 3,234 |
| Equity capital to assets | 8.7529% | 5,462 |
| Core capital (leverage) ratio | 8.8185% | 5,390 |
| Tier 1 risk-based capital ratio | 11.4768% | 6,070 |
| Total risk-based capital ratio | 12.6932% | 6,046 |
| Memoranda: | ||
| Average total assets | $133,625,750 | 4,043 |
| Average earning assets | $116,105,000 | 4,174 |
| Average equity | $11,891,500 | 4,514 |
| Average total loans | $91,365,250 | 3,681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 729 |
| Cost of funding earning assets | 1.1467% | 266 |
| Net interest margin | 3.9814% | 1,929 |
| Noninterest income to average assets | 0.5299% | 3,634 |
| Noninterest expense to average assets | 2.9616% | 3,119 |
| Loan and lease loss provision to assets | 0.6184% | 406 |
| Net operating income to assets | 0.3422% | 5,433 |
| Return on assets (ROA) | 0.3422% | 5,606 |
| Pretax return on assets | 0.4158% | 5,605 |
| Return on Equity (ROE) | 3.8246% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.8246% | 3,864 |
| Net charge-offs to loans | 1.2422% | 458 |
| Credit loss provision to net charge-offs | 72.6631% | 2,772 |
| Earnings coverage of net charge-offs (x) | 1.2152% | 4,135 |
| Efficiency ratio | 74.1172% | 3,107 |
| Assets per employee ($millions) | 3.4344% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,250 |
| Loan loss allowance to noncurrent loans | 153.6403% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 4.1018% | 837 |
| Noncurrent loans to loans | 1.0244% | 3,887 |
| Net loans and leases to total assets | 67.0031% | 2,411 |
| Net loans and leases to deposits | 77.9678% | 2,577 |
| Net loans and leases to core deposits | 89.9437% | 1,914 |
| Total domestic deposits to total assets | 85.9370% | 3,409 |
| Equity capital to assets | 8.8346% | 5,408 |
| Core capital (leverage) ratio | 8.6285% | 5,525 |
| Tier 1 risk-based capital ratio | 11.8584% | 5,874 |
| Total risk-based capital ratio | 13.1114% | 5,829 |
| Memoranda: | ||
| Average total assets | $133,237,670 | 4,075 |
| Average earning assets | $115,989,330 | 4,202 |
| Average equity | $11,922,670 | 4,552 |
| Average total loans | $91,289,670 | 3,693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 800 |
| Cost of funding earning assets | 1.1545% | 282 |
| Net interest margin | 3.9093% | 2,090 |
| Noninterest income to average assets | 0.5117% | 3,699 |
| Noninterest expense to average assets | 2.9800% | 3,051 |
| Loan and lease loss provision to assets | 0.4244% | 711 |
| Net operating income to assets | 0.3612% | 5,305 |
| Return on assets (ROA) | 0.3612% | 5,443 |
| Pretax return on assets | 0.5117% | 5,216 |
| Return on Equity (ROE) | 4.0109% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.0109% | 3,827 |
| Net charge-offs to loans | 2.3647% | 182 |
| Credit loss provision to net charge-offs | 26.1111% | 2,950 |
| Earnings coverage of net charge-offs (x) | 0.5759% | 3,627 |
| Efficiency ratio | 76.0953% | 2,907 |
| Assets per employee ($millions) | 3.3679% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,688 |
| Loan loss allowance to noncurrent loans | 174.1228% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 4.0686% | 969 |
| Noncurrent loans to loans | 0.7471% | 4,634 |
| Net loans and leases to total assets | 67.0791% | 2,177 |
| Net loans and leases to deposits | 78.1326% | 2,318 |
| Net loans and leases to core deposits | 87.7449% | 1,934 |
| Total domestic deposits to total assets | 85.8530% | 3,610 |
| Equity capital to assets | 8.9196% | 5,588 |
| Core capital (leverage) ratio | 8.5204% | 5,559 |
| Tier 1 risk-based capital ratio | 11.5687% | 6,145 |
| Total risk-based capital ratio | 12.7822% | 6,139 |
| Memoranda: | ||
| Average total assets | $132,886,500 | 4,122 |
| Average earning assets | $115,724,500 | 4,248 |
| Average equity | $11,967,500 | 4,585 |
| Average total loans | $91,345,000 | 3,709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 1,095 |
| Cost of funding earning assets | 1.4090% | 246 |
| Net interest margin | 3.8030% | 3,212 |
| Noninterest income to average assets | 0.4803% | 4,037 |
| Noninterest expense to average assets | 3.0195% | 3,203 |
| Loan and lease loss provision to assets | 0.7430% | 680 |
| Net operating income to assets | 0.0122% | 6,148 |
| Return on assets (ROA) | 0.1652% | 6,024 |
| Pretax return on assets | 0.1819% | 6,018 |
| Return on Equity (ROE) | 1.9002% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.9002% | 4,885 |
| Net charge-offs to loans | 0.6421% | 1,829 |
| Credit loss provision to net charge-offs | 173.9353% | 1,515 |
| Earnings coverage of net charge-offs (x) | 1.7717% | 4,549 |
| Efficiency ratio | 79.9576% | 2,152 |
| Assets per employee ($millions) | 3.1966% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,774 |
| Loan loss allowance to noncurrent loans | 170.7841% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 3.9341% | 1,098 |
| Noncurrent loans to loans | 1.0216% | 4,160 |
| Net loans and leases to total assets | 68.3234% | 2,133 |
| Net loans and leases to deposits | 79.8260% | 2,308 |
| Net loans and leases to core deposits | 88.3173% | 2,051 |
| Total domestic deposits to total assets | 85.5905% | 3,565 |
| Equity capital to assets | 9.0944% | 5,409 |
| Core capital (leverage) ratio | 8.3830% | 5,777 |
| Tier 1 risk-based capital ratio | 11.6034% | 6,029 |
| Total risk-based capital ratio | 12.8583% | 5,988 |
| Memoranda: | ||
| Average total assets | $137,406,800 | 3,998 |
| Average earning assets | $119,089,800 | 4,126 |
| Average equity | $11,946,000 | 4,580 |
| Average total loans | $91,423,400 | 3,710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 1,216 |
| Cost of funding earning assets | 1.4487% | 249 |
| Net interest margin | 3.7436% | 3,587 |
| Noninterest income to average assets | 0.4499% | 4,292 |
| Noninterest expense to average assets | 2.9804% | 3,306 |
| Loan and lease loss provision to assets | 0.4221% | 1,512 |
| Net operating income to assets | 0.2241% | 5,852 |
| Return on assets (ROA) | 0.3655% | 5,587 |
| Pretax return on assets | 0.4710% | 5,540 |
| Return on Equity (ROE) | 4.2500% | 5,173 |
| Retained earnings to average equity (ytd only) | 4.2500% | 3,905 |
| Net charge-offs to loans | 0.4313% | 2,375 |
| Credit loss provision to net charge-offs | 148.6486% | 1,906 |
| Earnings coverage of net charge-offs (x) | 2.5067% | 4,038 |
| Efficiency ratio | 80.7223% | 1,985 |
| Assets per employee ($millions) | 3.1475% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,246 |
| Loan loss allowance to noncurrent loans | 169.4915% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 3.6847% | 1,344 |
| Noncurrent loans to loans | 0.8435% | 4,726 |
| Net loans and leases to total assets | 66.2246% | 2,614 |
| Net loans and leases to deposits | 77.1019% | 2,793 |
| Net loans and leases to core deposits | 87.2873% | 2,306 |
| Total domestic deposits to total assets | 85.8922% | 3,311 |
| Equity capital to assets | 8.9594% | 5,862 |
| Core capital (leverage) ratio | 8.7996% | 5,350 |
| Tier 1 risk-based capital ratio | 12.3222% | 5,751 |
| Total risk-based capital ratio | 13.5731% | 5,726 |
| Memoranda: | ||
| Average total assets | $138,993,750 | 4,005 |
| Average earning assets | $120,379,750 | 4,145 |
| Average equity | $11,952,750 | 4,623 |
| Average total loans | $91,495,750 | 3,746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 1,232 |
| Cost of funding earning assets | 1.4863% | 249 |
| Net interest margin | 3.7208% | 3,722 |
| Noninterest income to average assets | 0.5021% | 3,911 |
| Noninterest expense to average assets | 2.9327% | 3,499 |
| Loan and lease loss provision to assets | 0.4236% | 1,543 |
| Net operating income to assets | 0.2916% | 5,649 |
| Return on assets (ROA) | 0.4279% | 5,348 |
| Pretax return on assets | 0.5278% | 5,373 |
| Return on Equity (ROE) | 5.0441% | 4,790 |
| Retained earnings to average equity (ytd only) | 5.0441% | 3,256 |
| Net charge-offs to loans | 0.5541% | 1,931 |
| Credit loss provision to net charge-offs | 116.9291% | 2,354 |
| Earnings coverage of net charge-offs (x) | 2.1614% | 3,900 |
| Efficiency ratio | 78.9251% | 2,336 |
| Assets per employee ($millions) | 3.3167% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,816 |
| Loan loss allowance to noncurrent loans | 243.2049% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 3.3546% | 1,604 |
| Noncurrent loans to loans | 0.5417% | 5,436 |
| Net loans and leases to total assets | 64.4693% | 2,942 |
| Net loans and leases to deposits | 74.6923% | 3,172 |
| Net loans and leases to core deposits | 84.5425% | 2,618 |
| Total domestic deposits to total assets | 86.3132% | 3,185 |
| Equity capital to assets | 8.6560% | 6,067 |
| Core capital (leverage) ratio | 8.4848% | 5,670 |
| Tier 1 risk-based capital ratio | 12.0763% | 5,876 |
| Total risk-based capital ratio | 13.2863% | 5,886 |
| Memoranda: | ||
| Average total assets | $140,210,330 | 4,004 |
| Average earning assets | $121,102,670 | 4,148 |
| Average equity | $11,895,000 | 4,629 |
| Average total loans | $91,684,000 | 3,764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 1,254 |
| Cost of funding earning assets | 1.5109% | 274 |
| Net interest margin | 3.7198% | 3,736 |
| Noninterest income to average assets | 0.4976% | 3,924 |
| Noninterest expense to average assets | 2.8579% | 3,793 |
| Loan and lease loss provision to assets | 0.3014% | 2,079 |
| Net operating income to assets | 0.4533% | 5,020 |
| Return on assets (ROA) | 0.4920% | 5,066 |
| Pretax return on assets | 0.6142% | 5,067 |
| Return on Equity (ROE) | 5.8577% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.8577% | 3,038 |
| Net charge-offs to loans | 0.8259% | 1,242 |
| Credit loss provision to net charge-offs | 55.7895% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.6053% | 3,518 |
| Efficiency ratio | 76.7176% | 2,684 |
| Assets per employee ($millions) | 3.5936% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,630 |
| Loan loss allowance to noncurrent loans | 76.7908% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 3.7776% | 1,479 |
| Noncurrent loans to loans | 1.5261% | 3,829 |
| Net loans and leases to total assets | 62.8925% | 3,075 |
| Net loans and leases to deposits | 72.4279% | 3,366 |
| Net loans and leases to core deposits | 79.0851% | 3,168 |
| Total domestic deposits to total assets | 86.8347% | 3,049 |
| Equity capital to assets | 8.2648% | 6,298 |
| Core capital (leverage) ratio | 8.4197% | 5,718 |
| Tier 1 risk-based capital ratio | 11.8054% | 6,082 |
| Total risk-based capital ratio | 12.8745% | 6,185 |
| Memoranda: | ||
| Average total assets | $140,664,500 | 4,019 |
| Average earning assets | $122,049,500 | 4,150 |
| Average equity | $11,813,500 | 4,654 |
| Average total loans | $92,023,000 | 3,778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 1,103 |
| Cost of funding earning assets | 1.8632% | 172 |
| Net interest margin | 3.6646% | 4,455 |
| Noninterest income to average assets | 0.3450% | 5,050 |
| Noninterest expense to average assets | 2.8634% | 4,115 |
| Loan and lease loss provision to assets | 0.3405% | 2,971 |
| Net operating income to assets | 0.2352% | 5,480 |
| Return on assets (ROA) | 0.2976% | 5,418 |
| Pretax return on assets | 0.3835% | 5,342 |
| Return on Equity (ROE) | 3.5111% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.5111% | 3,723 |
| Net charge-offs to loans | 1.0772% | 1,604 |
| Credit loss provision to net charge-offs | 45.1866% | 5,528 |
| Earnings coverage of net charge-offs (x) | 0.8546% | 5,157 |
| Efficiency ratio | 81.6378% | 2,072 |
| Assets per employee ($millions) | 3.3558% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,175 |
| Loan loss allowance to noncurrent loans | 74.9190% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 3.8325% | 1,504 |
| Noncurrent loans to loans | 1.6668% | 3,661 |
| Net loans and leases to total assets | 66.4416% | 2,699 |
| Net loans and leases to deposits | 76.8917% | 3,022 |
| Net loans and leases to core deposits | 83.4772% | 2,961 |
| Total domestic deposits to total assets | 86.4093% | 3,070 |
| Equity capital to assets | 8.5379% | 6,095 |
| Core capital (leverage) ratio | 8.4446% | 5,647 |
| Tier 1 risk-based capital ratio | 11.7488% | 5,994 |
| Total risk-based capital ratio | 12.9130% | 6,033 |
| Memoranda: | ||
| Average total assets | $135,085,000 | 4,068 |
| Average earning assets | $116,574,200 | 4,223 |
| Average equity | $11,449,400 | 4,671 |
| Average total loans | $94,505,400 | 3,758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5952% | 1,040 |
| Cost of funding earning assets | 1.9274% | 157 |
| Net interest margin | 3.6679% | 4,488 |
| Noninterest income to average assets | 0.3917% | 4,728 |
| Noninterest expense to average assets | 2.8836% | 4,001 |
| Loan and lease loss provision to assets | 0.3421% | 2,831 |
| Net operating income to assets | 0.2709% | 5,505 |
| Return on assets (ROA) | 0.2796% | 5,633 |
| Pretax return on assets | 0.3490% | 5,601 |
| Return on Equity (ROE) | 3.3054% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.3054% | 4,368 |
| Net charge-offs to loans | 0.4141% | 3,074 |
| Credit loss provision to net charge-offs | 116.9492% | 2,793 |
| Earnings coverage of net charge-offs (x) | 2.3254% | 3,962 |
| Efficiency ratio | 80.9126% | 2,119 |
| Assets per employee ($millions) | 3.5361% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 2,732 |
| Loan loss allowance to noncurrent loans | 139.6675% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 3.2746% | 1,937 |
| Noncurrent loans to loans | 1.3348% | 4,300 |
| Net loans and leases to total assets | 67.3314% | 2,606 |
| Net loans and leases to deposits | 77.9824% | 2,998 |
| Net loans and leases to core deposits | 84.8721% | 2,928 |
| Total domestic deposits to total assets | 86.3417% | 3,018 |
| Equity capital to assets | 8.4998% | 6,296 |
| Core capital (leverage) ratio | 8.4640% | 5,758 |
| Tier 1 risk-based capital ratio | 11.5691% | 6,197 |
| Total risk-based capital ratio | 12.8246% | 6,187 |
| Memoranda: | ||
| Average total assets | $134,459,500 | 4,111 |
| Average earning assets | $116,286,250 | 4,242 |
| Average equity | $11,375,000 | 4,719 |
| Average total loans | $94,989,000 | 3,782 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 818 |
| Cost of funding earning assets | 2.0030% | 142 |
| Net interest margin | 3.7351% | 4,100 |
| Noninterest income to average assets | 0.3676% | 4,938 |
| Noninterest expense to average assets | 2.8850% | 4,085 |
| Loan and lease loss provision to assets | 0.4861% | 2,029 |
| Net operating income to assets | 0.2025% | 5,731 |
| Return on assets (ROA) | 0.2025% | 5,848 |
| Pretax return on assets | 0.2025% | 5,930 |
| Return on Equity (ROE) | 2.3980% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.3980% | 4,765 |
| Net charge-offs to loans | 0.4942% | 2,620 |
| Credit loss provision to net charge-offs | 137.8723% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.9532% | 3,887 |
| Efficiency ratio | 80.7305% | 2,273 |
| Assets per employee ($millions) | 3.4792% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,588 |
| Loan loss allowance to noncurrent loans | 128.4188% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 3.4336% | 1,921 |
| Noncurrent loans to loans | 1.4996% | 4,169 |
| Net loans and leases to total assets | 67.6731% | 2,678 |
| Net loans and leases to deposits | 78.3517% | 3,067 |
| Net loans and leases to core deposits | 85.5157% | 2,997 |
| Total domestic deposits to total assets | 86.3710% | 3,114 |
| Equity capital to assets | 8.4325% | 6,259 |
| Core capital (leverage) ratio | 8.5606% | 5,457 |
| Tier 1 risk-based capital ratio | 11.5812% | 6,104 |
| Total risk-based capital ratio | 12.8390% | 6,091 |
| Memoranda: | ||
| Average total assets | $133,309,670 | 4,158 |
| Average earning assets | $114,429,330 | 4,321 |
| Average equity | $11,259,330 | 4,748 |
| Average total loans | $95,112,000 | 3,814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9279% | 561 |
| Cost of funding earning assets | 2.1084% | 120 |
| Net interest margin | 3.8195% | 3,514 |
| Noninterest income to average assets | 0.3784% | 4,889 |
| Noninterest expense to average assets | 2.8671% | 4,208 |
| Loan and lease loss provision to assets | 0.8719% | 935 |
| Net operating income to assets | -0.1302% | 6,491 |
| Return on assets (ROA) | -0.1302% | 6,510 |
| Pretax return on assets | -0.1302% | 6,475 |
| Return on Equity (ROE) | -1.5401% | 6,542 |
| Retained earnings to average equity (ytd only) | -1.5401% | 6,079 |
| Net charge-offs to loans | 0.4757% | 2,284 |
| Credit loss provision to net charge-offs | 252.6316% | 1,232 |
| Earnings coverage of net charge-offs (x) | 2.1491% | 3,230 |
| Efficiency ratio | 79.4463% | 2,627 |
| Assets per employee ($millions) | 3.4626% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 2,459 |
| Loan loss allowance to noncurrent loans | 207.2448% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 2.9532% | 2,342 |
| Noncurrent loans to loans | 0.9582% | 5,122 |
| Net loans and leases to total assets | 69.0089% | 2,323 |
| Net loans and leases to deposits | 80.1126% | 2,706 |
| Net loans and leases to core deposits | 85.6519% | 2,932 |
| Total domestic deposits to total assets | 86.1399% | 3,439 |
| Equity capital to assets | 8.2500% | 6,223 |
| Core capital (leverage) ratio | 8.4865% | 5,486 |
| Tier 1 risk-based capital ratio | 11.4499% | 6,145 |
| Total risk-based capital ratio | 12.7080% | 6,122 |
| Memoranda: | ||
| Average total assets | $132,120,000 | 4,207 |
| Average earning assets | $111,743,500 | 4,411 |
| Average equity | $11,168,000 | 4,750 |
| Average total loans | $95,854,000 | 3,839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 327 |
| Cost of funding earning assets | 2.4125% | 144 |
| Net interest margin | 4.0775% | 2,674 |
| Noninterest income to average assets | 0.4001% | 4,910 |
| Noninterest expense to average assets | 2.9102% | 4,185 |
| Loan and lease loss provision to assets | 0.6624% | 2,495 |
| Net operating income to assets | 0.2754% | 5,019 |
| Return on assets (ROA) | 0.2848% | 5,147 |
| Pretax return on assets | 0.3327% | 5,137 |
| Return on Equity (ROE) | 3.3272% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.3272% | 3,538 |
| Net charge-offs to loans | 0.8509% | 2,509 |
| Credit loss provision to net charge-offs | 99.4193% | 4,653 |
| Earnings coverage of net charge-offs (x) | 1.4774% | 4,645 |
| Efficiency ratio | 74.7268% | 3,248 |
| Assets per employee ($millions) | 3.0761% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 2,948 |
| Loan loss allowance to noncurrent loans | 192.3681% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 2.9861% | 2,355 |
| Noncurrent loans to loans | 0.9221% | 5,213 |
| Net loans and leases to total assets | 73.4648% | 1,776 |
| Net loans and leases to deposits | 85.9403% | 2,112 |
| Net loans and leases to core deposits | 92.1424% | 2,485 |
| Total domestic deposits to total assets | 85.4835% | 3,609 |
| Equity capital to assets | 8.6650% | 5,633 |
| Core capital (leverage) ratio | 8.7583% | 4,918 |
| Tier 1 risk-based capital ratio | 11.5243% | 5,885 |
| Total risk-based capital ratio | 12.7807% | 5,888 |
| Memoranda: | ||
| Average total assets | $129,233,200 | 4,289 |
| Average earning assets | $110,755,200 | 4,452 |
| Average equity | $11,060,200 | 4,848 |
| Average total loans | $101,188,400 | 3,756 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6211% | 276 |
| Cost of funding earning assets | 2.4560% | 168 |
| Net interest margin | 4.1650% | 2,351 |
| Noninterest income to average assets | 0.3961% | 4,987 |
| Noninterest expense to average assets | 2.9969% | 3,759 |
| Loan and lease loss provision to assets | 0.6375% | 2,398 |
| Net operating income to assets | 0.1352% | 5,675 |
| Return on assets (ROA) | 0.1444% | 5,814 |
| Pretax return on assets | 0.3538% | 5,356 |
| Return on Equity (ROE) | 1.6928% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.6928% | 5,113 |
| Net charge-offs to loans | 0.3088% | 4,105 |
| Credit loss provision to net charge-offs | 260.7595% | 1,267 |
| Earnings coverage of net charge-offs (x) | 3.9958% | 3,226 |
| Efficiency ratio | 75.4154% | 3,055 |
| Assets per employee ($millions) | 3.0552% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 1,999 |
| Loan loss allowance to noncurrent loans | 86.1362% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 3.5349% | 2,012 |
| Noncurrent loans to loans | 2.4362% | 3,195 |
| Net loans and leases to total assets | 74.5758% | 1,671 |
| Net loans and leases to deposits | 86.9628% | 2,157 |
| Net loans and leases to core deposits | 92.6889% | 2,701 |
| Total domestic deposits to total assets | 85.7560% | 3,214 |
| Equity capital to assets | 8.4072% | 6,385 |
| Core capital (leverage) ratio | 8.5165% | 5,477 |
| Tier 1 risk-based capital ratio | 11.0829% | 6,304 |
| Total risk-based capital ratio | 12.3432% | 6,285 |
| Memoranda: | ||
| Average total assets | $129,242,000 | 4,343 |
| Average earning assets | $111,016,250 | 4,509 |
| Average equity | $11,026,500 | 4,916 |
| Average total loans | $102,328,250 | 3,786 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7342% | 231 |
| Cost of funding earning assets | 2.4842% | 185 |
| Net interest margin | 4.2501% | 1,962 |
| Noninterest income to average assets | 0.4606% | 4,431 |
| Noninterest expense to average assets | 2.9969% | 3,724 |
| Loan and lease loss provision to assets | 0.2816% | 4,153 |
| Net operating income to assets | 0.5960% | 3,895 |
| Return on assets (ROA) | 0.5960% | 4,032 |
| Pretax return on assets | 0.8372% | 3,751 |
| Return on Equity (ROE) | 6.9508% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.9508% | 1,854 |
| Net charge-offs to loans | 0.1028% | 5,119 |
| Credit loss provision to net charge-offs | 341.5094% | 1,068 |
| Earnings coverage of net charge-offs (x) | 13.5660% | 1,581 |
| Efficiency ratio | 72.8166% | 3,692 |
| Assets per employee ($millions) | 2.9895% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 2,627 |
| Loan loss allowance to noncurrent loans | 160.4692% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 2.4473% | 2,942 |
| Noncurrent loans to loans | 1.1424% | 5,054 |
| Net loans and leases to total assets | 76.9405% | 1,303 |
| Net loans and leases to deposits | 89.8077% | 1,892 |
| Net loans and leases to core deposits | 95.8206% | 2,461 |
| Total domestic deposits to total assets | 85.6725% | 3,279 |
| Equity capital to assets | 8.7670% | 5,792 |
| Core capital (leverage) ratio | 8.7543% | 5,000 |
| Tier 1 risk-based capital ratio | 11.2744% | 5,968 |
| Total risk-based capital ratio | 12.5319% | 5,944 |
| Memoranda: | ||
| Average total assets | $128,531,000 | 4,389 |
| Average earning assets | $110,539,670 | 4,547 |
| Average equity | $11,020,330 | 4,915 |
| Average total loans | $103,079,670 | 3,802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7264% | 252 |
| Cost of funding earning assets | 2.5569% | 189 |
| Net interest margin | 4.1695% | 2,158 |
| Noninterest income to average assets | 0.5011% | 4,039 |
| Noninterest expense to average assets | 2.9941% | 3,700 |
| Loan and lease loss provision to assets | 0.4917% | 2,532 |
| Net operating income to assets | 0.4264% | 4,729 |
| Return on assets (ROA) | 0.4264% | 4,863 |
| Pretax return on assets | 0.5882% | 4,661 |
| Return on Equity (ROE) | 5.0296% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.0296% | 3,141 |
| Net charge-offs to loans | 0.0729% | 4,688 |
| Credit loss provision to net charge-offs | 831.5789% | 553 |
| Earnings coverage of net charge-offs (x) | 18.2632% | 1,240 |
| Efficiency ratio | 73.4912% | 3,664 |
| Assets per employee ($millions) | 3.0697% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 2,801 |
| Loan loss allowance to noncurrent loans | 240.6736% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 2.0104% | 3,489 |
| Noncurrent loans to loans | 0.7381% | 5,848 |
| Net loans and leases to total assets | 79.6817% | 879 |
| Net loans and leases to deposits | 92.7904% | 1,501 |
| Net loans and leases to core deposits | 99.1067% | 2,225 |
| Total domestic deposits to total assets | 85.8727% | 3,222 |
| Equity capital to assets | 8.5288% | 5,962 |
| Core capital (leverage) ratio | 8.6414% | 5,134 |
| Tier 1 risk-based capital ratio | 10.7554% | 6,385 |
| Total risk-based capital ratio | 12.0120% | 6,364 |
| Memoranda: | ||
| Average total assets | $128,521,500 | 4,445 |
| Average earning assets | $110,133,500 | 4,606 |
| Average equity | $10,895,500 | 5,005 |
| Average total loans | $104,242,500 | 3,820 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1162% | 235 |
| Cost of funding earning assets | 2.7685% | 489 |
| Net interest margin | 4.3477% | 1,579 |
| Noninterest income to average assets | 0.4198% | 5,050 |
| Noninterest expense to average assets | 3.1980% | 3,387 |
| Loan and lease loss provision to assets | 0.9770% | 2,312 |
| Net operating income to assets | 0.0866% | 5,248 |
| Return on assets (ROA) | 0.0640% | 5,355 |
| Pretax return on assets | 0.0593% | 5,301 |
| Return on Equity (ROE) | 0.7523% | 5,310 |
| Retained earnings to average equity (ytd only) | 0.3853% | 4,693 |
| Net charge-offs to loans | 1.1862% | 2,067 |
| Credit loss provision to net charge-offs | 102.4550% | 5,392 |
| Earnings coverage of net charge-offs (x) | 1.1105% | 5,003 |
| Efficiency ratio | 75.1237% | 3,683 |
| Assets per employee ($millions) | 3.0504% | 6,091 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 3,069 |
| Loan loss allowance to noncurrent loans | 161.7121% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 2.1668% | 3,176 |
| Noncurrent loans to loans | 1.0231% | 5,266 |
| Net loans and leases to total assets | 79.7533% | 1,038 |
| Net loans and leases to deposits | 92.7456% | 1,779 |
| Net loans and leases to core deposits | 144.4123% | 655 |
| Total domestic deposits to total assets | 85.9915% | 3,023 |
| Equity capital to assets | 8.4260% | 6,013 |
| Core capital (leverage) ratio | 8.4532% | 5,358 |
| Tier 1 risk-based capital ratio | 10.7400% | 6,165 |
| Total risk-based capital ratio | 11.9959% | 6,136 |
| Memoranda: | ||
| Average total assets | $128,143,600 | 4,378 |
| Average earning assets | $113,094,200 | 4,474 |
| Average equity | $10,900,000 | 5,049 |
| Average total loans | $103,017,000 | 3,871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1016% | 259 |
| Cost of funding earning assets | 2.7685% | 649 |
| Net interest margin | 4.3331% | 1,635 |
| Noninterest income to average assets | 0.3891% | 5,392 |
| Noninterest expense to average assets | 3.2492% | 3,128 |
| Loan and lease loss provision to assets | 0.8729% | 2,200 |
| Net operating income to assets | 0.1028% | 5,455 |
| Return on assets (ROA) | 0.1165% | 5,475 |
| Pretax return on assets | 0.1321% | 5,455 |
| Return on Equity (ROE) | 1.3667% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.3667% | 4,553 |
| Net charge-offs to loans | 0.9261% | 2,114 |
| Credit loss provision to net charge-offs | 117.5070% | 4,329 |
| Earnings coverage of net charge-offs (x) | 1.3319% | 4,788 |
| Efficiency ratio | 76.6568% | 3,389 |
| Assets per employee ($millions) | 3.0977% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,557 |
| Loan loss allowance to noncurrent loans | 77.4221% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 3.2367% | 2,095 |
| Noncurrent loans to loans | 2.2192% | 3,356 |
| Net loans and leases to total assets | 79.7551% | 1,222 |
| Net loans and leases to deposits | 95.2601% | 1,675 |
| Net loans and leases to core deposits | 147.5205% | 646 |
| Total domestic deposits to total assets | 83.7235% | 3,850 |
| Equity capital to assets | 8.3811% | 6,407 |
| Core capital (leverage) ratio | 8.6415% | 5,241 |
| Tier 1 risk-based capital ratio | 10.7879% | 6,175 |
| Total risk-based capital ratio | 12.0442% | 6,132 |
| Memoranda: | ||
| Average total assets | $128,150,750 | 4,405 |
| Average earning assets | $113,849,000 | 4,485 |
| Average equity | $10,926,250 | 5,087 |
| Average total loans | $102,797,500 | 3,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5261% | 147 |
| Cost of funding earning assets | 2.7742% | 847 |
| Net interest margin | 4.7518% | 728 |
| Noninterest income to average assets | 0.4282% | 5,052 |
| Noninterest expense to average assets | 3.2878% | 3,007 |
| Loan and lease loss provision to assets | 0.2447% | 4,624 |
| Net operating income to assets | 0.7838% | 2,916 |
| Return on assets (ROA) | 0.8000% | 2,954 |
| Pretax return on assets | 1.1671% | 2,404 |
| Return on Equity (ROE) | 9.3290% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.3290% | 851 |
| Net charge-offs to loans | 0.0746% | 5,459 |
| Credit loss provision to net charge-offs | 410.5263% | 1,127 |
| Earnings coverage of net charge-offs (x) | 23.2895% | 1,189 |
| Efficiency ratio | 70.3120% | 4,714 |
| Assets per employee ($millions) | 2.9342% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 2,159 |
| Loan loss allowance to noncurrent loans | 437.5303% | 736 |
| Noncurrent assets plus other real estate owned to assets | 2.0163% | 3,175 |
| Noncurrent loans to loans | 0.4017% | 6,503 |
| Net loans and leases to total assets | 80.0569% | 1,306 |
| Net loans and leases to deposits | 93.7307% | 2,134 |
| Net loans and leases to core deposits | 142.4118% | 920 |
| Total domestic deposits to total assets | 85.4116% | 3,058 |
| Equity capital to assets | 8.8397% | 5,536 |
| Core capital (leverage) ratio | 9.0091% | 4,616 |
| Tier 1 risk-based capital ratio | 11.4491% | 5,445 |
| Total risk-based capital ratio | 12.7066% | 5,353 |
| Memoranda: | ||
| Average total assets | $127,500,330 | 4,441 |
| Average earning assets | $113,977,330 | 4,515 |
| Average equity | $10,933,670 | 5,108 |
| Average total loans | $101,871,000 | 3,969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6920% | 134 |
| Cost of funding earning assets | 2.8269% | 918 |
| Net interest margin | 4.8651% | 536 |
| Noninterest income to average assets | 0.2497% | 6,458 |
| Noninterest expense to average assets | 3.1646% | 3,134 |
| Loan and lease loss provision to assets | 0.2434% | 4,031 |
| Net operating income to assets | 0.8152% | 3,065 |
| Return on assets (ROA) | 0.8364% | 3,116 |
| Pretax return on assets | 1.2234% | 2,541 |
| Return on Equity (ROE) | 9.9039% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.9039% | 1,219 |
| Net charge-offs to loans | 0.0750% | 4,432 |
| Credit loss provision to net charge-offs | 410.5263% | 1,280 |
| Earnings coverage of net charge-offs (x) | 24.2105% | 1,246 |
| Efficiency ratio | 68.7924% | 4,820 |
| Assets per employee ($millions) | 2.9491% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 1,982 |
| Loan loss allowance to noncurrent loans | 798.1735% | 475 |
| Noncurrent assets plus other real estate owned to assets | 1.7293% | 3,324 |
| Noncurrent loans to loans | 0.2190% | 6,905 |
| Net loans and leases to total assets | 77.4700% | 1,941 |
| Net loans and leases to deposits | 91.3930% | 2,711 |
| Net loans and leases to core deposits | 136.9914% | 1,247 |
| Total domestic deposits to total assets | 84.7658% | 3,318 |
| Equity capital to assets | 8.6411% | 5,858 |
| Core capital (leverage) ratio | 8.5669% | 5,402 |
| Tier 1 risk-based capital ratio | 11.3328% | 5,564 |
| Total risk-based capital ratio | 12.5883% | 5,470 |
| Memoranda: | ||
| Average total assets | $128,166,000 | 4,447 |
| Average earning assets | $114,613,000 | 4,518 |
| Average equity | $10,824,000 | 5,154 |
| Average total loans | $101,399,500 | 3,995 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6086% | 335 |
| Cost of funding earning assets | 3.4933% | 530 |
| Net interest margin | 4.1154% | 2,644 |
| Noninterest income to average assets | 0.4415% | 5,101 |
| Noninterest expense to average assets | 2.9488% | 4,261 |
| Loan and lease loss provision to assets | 0.4393% | 3,092 |
| Net operating income to assets | 0.5332% | 4,603 |
| Return on assets (ROA) | 0.3781% | 5,051 |
| Pretax return on assets | 0.5064% | 4,957 |
| Return on Equity (ROE) | 4.7720% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.8195% | 2,752 |
| Net charge-offs to loans | 0.4949% | 2,379 |
| Credit loss provision to net charge-offs | 117.8138% | 4,565 |
| Earnings coverage of net charge-offs (x) | 3.0911% | 4,543 |
| Efficiency ratio | 71.8992% | 3,958 |
| Assets per employee ($millions) | 3.0121% | 6,032 |
| Cash dividends to net income (ytd only)* | 19.9601% | 4,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 2,090 |
| Loan loss allowance to noncurrent loans | 657.1984% | 688 |
| Noncurrent assets plus other real estate owned to assets | 1.6901% | 2,877 |
| Noncurrent loans to loans | 0.2500% | 6,638 |
| Net loans and leases to total assets | 78.0735% | 2,120 |
| Net loans and leases to deposits | 96.2818% | 2,403 |
| Net loans and leases to core deposits | 145.1122% | 1,048 |
| Total domestic deposits to total assets | 81.0885% | 4,598 |
| Equity capital to assets | 8.2536% | 6,476 |
| Core capital (leverage) ratio | 8.2899% | 5,972 |
| Tier 1 risk-based capital ratio | 10.7110% | 5,995 |
| Total risk-based capital ratio | 11.9663% | 5,895 |
| Memoranda: | ||
| Average total assets | $132,494,600 | 4,226 |
| Average earning assets | $117,827,000 | 4,314 |
| Average equity | $10,498,800 | 5,265 |
| Average total loans | $99,812,600 | 3,958 |