Home > Peoples Bank and Trust Company > Performance and Condition Ratios
Peoples Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 2,318 |
| Cost of funding earning assets | 1.9423% | 1,010 |
| Net interest margin | 2.9404% | 3,410 |
| Noninterest income to average assets | 1.1300% | 529 |
| Noninterest expense to average assets | 2.6610% | 1,845 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8760% | 2,616 |
| Return on assets (ROA) | 0.8765% | 2,588 |
| Pretax return on assets | 1.0933% | 2,424 |
| Return on Equity (ROE) | 12.4700% | 1,847 |
| Retained earnings to average equity (ytd only) | 12.4736% | 578 |
| Net charge-offs to loans | -0.0440% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.6797% | 2,036 |
| Assets per employee ($millions) | 5.7354% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,134 |
| Loan loss allowance to noncurrent loans | 209.0537% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,747 |
| Noncurrent loans to loans | 0.4950% | 1,548 |
| Net loans and leases to total assets | 60.2800% | 2,822 |
| Net loans and leases to deposits | 78.9015% | 2,201 |
| Net loans and leases to core deposits | 87.1396% | 2,237 |
| Total domestic deposits to total assets | 76.4000% | 3,903 |
| Equity capital to assets | 7.4840% | 3,725 |
| Core capital (leverage) ratio | 9.2923% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1994% | 2,524 |
| Memoranda: | ||
| Average total assets | $1,072,371,400 | 922 |
| Average earning assets | $967,837,400 | 937 |
| Average equity | $75,351,000 | 1,178 |
| Average total loans | $656,261,600 | 1,019 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,333 |
| Cost of funding earning assets | 1.7624% | 1,077 |
| Net interest margin | 3.0061% | 3,330 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 2.6026% | 1,936 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9281% | 2,592 |
| Return on assets (ROA) | 0.9281% | 2,574 |
| Pretax return on assets | 1.1182% | 2,514 |
| Return on Equity (ROE) | 13.4400% | 1,812 |
| Retained earnings to average equity (ytd only) | 13.4442% | 752 |
| Net charge-offs to loans | -0.0721% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4673% | 2,075 |
| Assets per employee ($millions) | 5.5549% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 2,958 |
| Loan loss allowance to noncurrent loans | 298.3878% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,149 |
| Noncurrent loans to loans | 0.3623% | 1,933 |
| Net loans and leases to total assets | 60.9700% | 2,750 |
| Net loans and leases to deposits | 79.0422% | 2,136 |
| Net loans and leases to core deposits | 86.5297% | 2,155 |
| Total domestic deposits to total assets | 77.1400% | 3,914 |
| Equity capital to assets | 6.5688% | 3,805 |
| Core capital (leverage) ratio | 9.1139% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1829% | 2,557 |
| Memoranda: | ||
| Average total assets | $1,056,562,750 | 935 |
| Average earning assets | $952,182,000 | 950 |
| Average equity | $72,941,500 | 1,204 |
| Average total loans | $647,404,500 | 1,025 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 2,414 |
| Cost of funding earning assets | 1.5855% | 1,095 |
| Net interest margin | 3.0141% | 3,394 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.6046% | 1,921 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8931% | 2,780 |
| Return on assets (ROA) | 0.8924% | 2,767 |
| Pretax return on assets | 1.0753% | 2,707 |
| Return on Equity (ROE) | 12.7100% | 1,965 |
| Retained earnings to average equity (ytd only) | 12.7146% | 850 |
| Net charge-offs to loans | -0.1171% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.0147% | 1,987 |
| Assets per employee ($millions) | 5.7257% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 2,966 |
| Loan loss allowance to noncurrent loans | 350.9690% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 2,252 |
| Noncurrent loans to loans | 0.3126% | 2,019 |
| Net loans and leases to total assets | 59.7100% | 2,797 |
| Net loans and leases to deposits | 77.2620% | 2,195 |
| Net loans and leases to core deposits | 84.4437% | 2,186 |
| Total domestic deposits to total assets | 77.2800% | 3,919 |
| Equity capital to assets | 6.8531% | 3,870 |
| Core capital (leverage) ratio | 9.1551% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5117% | 2,763 |
| Memoranda: | ||
| Average total assets | $1,047,683,000 | 929 |
| Average earning assets | $945,165,667 | 949 |
| Average equity | $73,537,667 | 1,192 |
| Average total loans | $640,650,667 | 1,021 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 2,363 |
| Cost of funding earning assets | 1.4095% | 1,005 |
| Net interest margin | 3.0718% | 3,417 |
| Noninterest income to average assets | 1.2400% | 424 |
| Noninterest expense to average assets | 2.7945% | 1,446 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9252% | 2,770 |
| Return on assets (ROA) | 0.9216% | 2,738 |
| Pretax return on assets | 1.1102% | 2,677 |
| Return on Equity (ROE) | 12.9700% | 1,994 |
| Retained earnings to average equity (ytd only) | 12.9665% | 1,102 |
| Net charge-offs to loans | 0.0355% | 1,022 |
| Credit loss provision to net charge-offs | 487.5000% | 559 |
| Earnings coverage of net charge-offs (x) | 55.8571% | 1,060 |
| Efficiency ratio | 68.0179% | 1,972 |
| Assets per employee ($millions) | 5.3350% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,288 |
| Loan loss allowance to noncurrent loans | 170.7274% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 1,343 |
| Noncurrent loans to loans | 0.6161% | 1,217 |
| Net loans and leases to total assets | 61.6500% | 2,495 |
| Net loans and leases to deposits | 75.7627% | 2,142 |
| Net loans and leases to core deposits | 82.8178% | 2,074 |
| Total domestic deposits to total assets | 81.3700% | 3,575 |
| Equity capital to assets | 7.1550% | 3,757 |
| Core capital (leverage) ratio | 9.2397% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3986% | 2,884 |
| Memoranda: | ||
| Average total assets | $1,024,724,500 | 964 |
| Average earning assets | $924,281,500 | 983 |
| Average equity | $72,834,000 | 1,211 |
| Average total loans | $630,877,500 | 1,039 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 2,076 |
| Cost of funding earning assets | 0.6443% | 740 |
| Net interest margin | 3.2215% | 2,800 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.5474% | 1,976 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0471% | 2,386 |
| Return on assets (ROA) | 1.0483% | 2,328 |
| Pretax return on assets | 1.2619% | 2,230 |
| Return on Equity (ROE) | 13.9100% | 1,556 |
| Retained earnings to average equity (ytd only) | 13.9065% | 400 |
| Net charge-offs to loans | 0.0421% | 1,277 |
| Credit loss provision to net charge-offs | 153.2787% | 1,286 |
| Earnings coverage of net charge-offs (x) | 53.0697% | 1,319 |
| Efficiency ratio | 64.5805% | 2,420 |
| Assets per employee ($millions) | 5.4836% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,173 |
| Loan loss allowance to noncurrent loans | 169.8776% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,383 |
| Noncurrent loans to loans | 0.6092% | 1,227 |
| Net loans and leases to total assets | 60.1800% | 2,614 |
| Net loans and leases to deposits | 75.4220% | 2,140 |
| Net loans and leases to core deposits | 80.6470% | 2,097 |
| Total domestic deposits to total assets | 79.7900% | 3,909 |
| Equity capital to assets | 7.0594% | 3,638 |
| Core capital (leverage) ratio | 9.1821% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4383% | 2,877 |
| Memoranda: | ||
| Average total assets | $997,646,200 | 981 |
| Average earning assets | $904,142,000 | 996 |
| Average equity | $75,202,000 | 1,185 |
| Average total loans | $579,559,400 | 1,056 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 1,896 |
| Cost of funding earning assets | 0.5056% | 737 |
| Net interest margin | 3.2432% | 2,481 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.5100% | 1,989 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9355% | 2,736 |
| Return on assets (ROA) | 0.9371% | 2,691 |
| Pretax return on assets | 1.1290% | 2,632 |
| Return on Equity (ROE) | 12.2300% | 1,961 |
| Retained earnings to average equity (ytd only) | 12.2329% | 741 |
| Net charge-offs to loans | 0.0243% | 1,343 |
| Credit loss provision to net charge-offs | 245.1923% | 904 |
| Earnings coverage of net charge-offs (x) | 83.2019% | 1,024 |
| Efficiency ratio | 66.6131% | 2,202 |
| Assets per employee ($millions) | 5.4735% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,136 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 1,050 |
| Noncurrent loans to loans | 0.8579% | 916 |
| Net loans and leases to total assets | 59.3100% | 2,577 |
| Net loans and leases to deposits | 72.8597% | 2,139 |
| Net loans and leases to core deposits | 77.4016% | 2,086 |
| Total domestic deposits to total assets | 81.4100% | 3,915 |
| Equity capital to assets | 6.1699% | 3,894 |
| Core capital (leverage) ratio | 8.8363% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1002% | 3,024 |
| Memoranda: | ||
| Average total assets | $993,442,750 | 992 |
| Average earning assets | $902,169,250 | 1,000 |
| Average equity | $76,098,750 | 1,192 |
| Average total loans | $570,227,750 | 1,068 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 1,862 |
| Cost of funding earning assets | 0.3929% | 965 |
| Net interest margin | 3.2012% | 2,182 |
| Noninterest income to average assets | 0.6934% | 1,368 |
| Noninterest expense to average assets | 2.5003% | 1,929 |
| Loan and lease loss provision to assets | 0.0252% | 2,145 |
| Net operating income to assets | 0.9032% | 2,565 |
| Return on assets (ROA) | 0.9046% | 2,536 |
| Pretax return on assets | 1.0899% | 2,443 |
| Return on Equity (ROE) | 11.0871% | 1,952 |
| Retained earnings to average equity (ytd only) | 11.0871% | 772 |
| Net charge-offs to loans | 0.0324% | 1,082 |
| Credit loss provision to net charge-offs | 137.3626% | 1,128 |
| Earnings coverage of net charge-offs (x) | 60.7253% | 1,074 |
| Efficiency ratio | 67.4083% | 2,320 |
| Assets per employee ($millions) | 5.6981% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,383 |
| Loan loss allowance to noncurrent loans | 103.5062% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 937 |
| Noncurrent loans to loans | 1.0134% | 822 |
| Net loans and leases to total assets | 58.1579% | 2,516 |
| Net loans and leases to deposits | 73.9205% | 1,879 |
| Net loans and leases to core deposits | 76.4212% | 1,982 |
| Total domestic deposits to total assets | 78.6763% | 4,315 |
| Equity capital to assets | 6.2853% | 4,103 |
| Core capital (leverage) ratio | 8.5361% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7804% | 3,043 |
| Memoranda: | ||
| Average total assets | $992,533,333 | 983 |
| Average earning assets | $905,473,333 | 1,003 |
| Average equity | $80,977,333 | 1,149 |
| Average total loans | $561,211,667 | 1,072 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 1,890 |
| Cost of funding earning assets | 0.3780% | 1,000 |
| Net interest margin | 3.0958% | 2,190 |
| Noninterest income to average assets | 0.5382% | 1,956 |
| Noninterest expense to average assets | 2.4197% | 2,102 |
| Loan and lease loss provision to assets | 0.0409% | 1,619 |
| Net operating income to assets | 0.7632% | 2,801 |
| Return on assets (ROA) | 0.7646% | 2,787 |
| Pretax return on assets | 0.9211% | 2,697 |
| Return on Equity (ROE) | 8.3702% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.3702% | 1,464 |
| Net charge-offs to loans | 0.0790% | 602 |
| Credit loss provision to net charge-offs | 93.4579% | 1,068 |
| Earnings coverage of net charge-offs (x) | 21.9626% | 1,245 |
| Efficiency ratio | 69.6530% | 2,282 |
| Assets per employee ($millions) | 5.5647% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,147 |
| Loan loss allowance to noncurrent loans | 98.1612% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 927 |
| Noncurrent loans to loans | 1.1621% | 759 |
| Net loans and leases to total assets | 54.6461% | 2,670 |
| Net loans and leases to deposits | 65.1258% | 2,420 |
| Net loans and leases to core deposits | 67.1644% | 2,525 |
| Total domestic deposits to total assets | 83.9085% | 3,788 |
| Equity capital to assets | 8.2758% | 3,344 |
| Core capital (leverage) ratio | 8.6110% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5214% | 2,976 |
| Memoranda: | ||
| Average total assets | $978,818,000 | 998 |
| Average earning assets | $898,518,500 | 1,017 |
| Average equity | $89,412,000 | 1,093 |
| Average total loans | $542,078,500 | 1,095 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 1,844 |
| Cost of funding earning assets | 0.4526% | 1,182 |
| Net interest margin | 3.3575% | 2,142 |
| Noninterest income to average assets | 0.6677% | 1,875 |
| Noninterest expense to average assets | 2.4201% | 2,423 |
| Loan and lease loss provision to assets | 0.0446% | 2,167 |
| Net operating income to assets | 1.0914% | 2,329 |
| Return on assets (ROA) | 1.1254% | 2,247 |
| Pretax return on assets | 1.3404% | 2,238 |
| Return on Equity (ROE) | 10.2248% | 2,446 |
| Retained earnings to average equity (ytd only) | -6.4360% | 4,730 |
| Net charge-offs to loans | 0.0452% | 1,381 |
| Credit loss provision to net charge-offs | 180.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 54.2958% | 1,253 |
| Efficiency ratio | 62.5384% | 2,790 |
| Assets per employee ($millions) | 5.3815% | 3,377 |
| Cash dividends to net income (ytd only)* | 162.9446% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,407 |
| Loan loss allowance to noncurrent loans | 109.3592% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 1,194 |
| Noncurrent loans to loans | 0.9945% | 998 |
| Net loans and leases to total assets | 54.9615% | 2,734 |
| Net loans and leases to deposits | 66.6420% | 2,448 |
| Net loans and leases to core deposits | 68.9915% | 2,552 |
| Total domestic deposits to total assets | 82.4727% | 3,897 |
| Equity capital to assets | 10.1326% | 2,535 |
| Core capital (leverage) ratio | 8.5743% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4821% | 2,989 |
| Memoranda: | ||
| Average total assets | $969,246,000 | 981 |
| Average earning assets | $893,988,000 | 984 |
| Average equity | $106,681,400 | 956 |
| Average total loans | $531,331,200 | 1,111 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 1,697 |
| Cost of funding earning assets | 0.4649% | 1,254 |
| Net interest margin | 3.4596% | 1,978 |
| Noninterest income to average assets | 0.5898% | 2,252 |
| Noninterest expense to average assets | 2.3342% | 2,648 |
| Loan and lease loss provision to assets | 0.0471% | 2,060 |
| Net operating income to assets | 1.1196% | 2,481 |
| Return on assets (ROA) | 1.1336% | 2,488 |
| Pretax return on assets | 1.4171% | 2,263 |
| Return on Equity (ROE) | 10.0990% | 2,705 |
| Retained earnings to average equity (ytd only) | -0.0208% | 4,565 |
| Net charge-offs to loans | 0.0013% | 2,385 |
| Credit loss provision to net charge-offs | 6,860.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 2,103.8000% | 68 |
| Efficiency ratio | 60.2692% | 2,945 |
| Assets per employee ($millions) | 5.3507% | 3,350 |
| Cash dividends to net income (ytd only)* | 100.2063% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,141 |
| Loan loss allowance to noncurrent loans | 158.9825% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 1,909 |
| Noncurrent loans to loans | 0.7329% | 1,527 |
| Net loans and leases to total assets | 51.6927% | 3,223 |
| Net loans and leases to deposits | 63.2491% | 2,930 |
| Net loans and leases to core deposits | 65.5622% | 2,997 |
| Total domestic deposits to total assets | 81.7287% | 3,972 |
| Equity capital to assets | 10.8929% | 2,087 |
| Core capital (leverage) ratio | 9.2553% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6422% | 2,818 |
| Memoranda: | ||
| Average total assets | $969,389,000 | 992 |
| Average earning assets | $894,177,500 | 1,000 |
| Average equity | $108,813,750 | 959 |
| Average total loans | $529,601,000 | 1,139 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 1,275 |
| Cost of funding earning assets | 0.4784% | 1,339 |
| Net interest margin | 3.6644% | 1,436 |
| Noninterest income to average assets | 0.6110% | 2,165 |
| Noninterest expense to average assets | 2.3716% | 2,553 |
| Loan and lease loss provision to assets | 0.0599% | 1,832 |
| Net operating income to assets | 1.2455% | 2,038 |
| Return on assets (ROA) | 1.2444% | 2,102 |
| Pretax return on assets | 1.5555% | 1,857 |
| Return on Equity (ROE) | 10.9752% | 2,432 |
| Retained earnings to average equity (ytd only) | 6.8431% | 2,490 |
| Net charge-offs to loans | 0.0011% | 2,198 |
| Credit loss provision to net charge-offs | 9,633.3333% | 63 |
| Earnings coverage of net charge-offs (x) | 2,598.6667% | 31 |
| Efficiency ratio | 58.1977% | 3,259 |
| Assets per employee ($millions) | 5.2411% | 3,417 |
| Cash dividends to net income (ytd only)* | 37.6500% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,331 |
| Loan loss allowance to noncurrent loans | 117.9457% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 1,626 |
| Noncurrent loans to loans | 0.9490% | 1,302 |
| Net loans and leases to total assets | 53.6153% | 3,178 |
| Net loans and leases to deposits | 66.0765% | 2,816 |
| Net loans and leases to core deposits | 68.6823% | 2,898 |
| Total domestic deposits to total assets | 81.1412% | 4,074 |
| Equity capital to assets | 11.2872% | 1,759 |
| Core capital (leverage) ratio | 9.6989% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5236% | 2,537 |
| Memoranda: | ||
| Average total assets | $964,340,333 | 994 |
| Average earning assets | $888,829,333 | 1,002 |
| Average equity | $109,337,000 | 952 |
| Average total loans | $534,490,333 | 1,135 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 2,934 |
| Cost of funding earning assets | 0.4928% | 1,434 |
| Net interest margin | 3.0034% | 3,247 |
| Noninterest income to average assets | 0.6654% | 1,974 |
| Noninterest expense to average assets | 2.4703% | 2,265 |
| Loan and lease loss provision to assets | 0.0774% | 1,645 |
| Net operating income to assets | 0.7009% | 3,702 |
| Return on assets (ROA) | 0.7009% | 3,766 |
| Pretax return on assets | 0.8832% | 3,640 |
| Return on Equity (ROE) | 6.1678% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.1678% | 2,838 |
| Net charge-offs to loans | -0.0037% | 3,287 |
| Credit loss provision to net charge-offs | -3,700.0000% | 3,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9898% | 1,604 |
| Assets per employee ($millions) | 5.2841% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,449 |
| Loan loss allowance to noncurrent loans | 159.2814% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 2,280 |
| Noncurrent loans to loans | 0.6887% | 1,860 |
| Net loans and leases to total assets | 54.5617% | 3,182 |
| Net loans and leases to deposits | 67.1118% | 2,799 |
| Net loans and leases to core deposits | 70.3490% | 2,838 |
| Total domestic deposits to total assets | 81.2997% | 4,013 |
| Equity capital to assets | 11.1144% | 1,776 |
| Core capital (leverage) ratio | 9.5199% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8409% | 2,726 |
| Memoranda: | ||
| Average total assets | $956,471,000 | 989 |
| Average earning assets | $880,740,000 | 997 |
| Average equity | $108,694,000 | 943 |
| Average total loans | $536,025,500 | 1,132 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 1,742 |
| Cost of funding earning assets | 0.7604% | 1,396 |
| Net interest margin | 3.5801% | 2,214 |
| Noninterest income to average assets | 0.7394% | 1,722 |
| Noninterest expense to average assets | 2.5584% | 2,674 |
| Loan and lease loss provision to assets | 0.1485% | 2,515 |
| Net operating income to assets | 1.1271% | 1,810 |
| Return on assets (ROA) | 1.1732% | 1,753 |
| Pretax return on assets | 1.4089% | 1,630 |
| Return on Equity (ROE) | 10.5139% | 1,806 |
| Retained earnings to average equity (ytd only) | -9.6430% | 4,910 |
| Net charge-offs to loans | 0.1346% | 1,200 |
| Credit loss provision to net charge-offs | 182.9485% | 2,252 |
| Earnings coverage of net charge-offs (x) | 18.5027% | 2,023 |
| Efficiency ratio | 62.3664% | 3,062 |
| Assets per employee ($millions) | 4.9224% | 3,482 |
| Cash dividends to net income (ytd only)* | 191.7168% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,617 |
| Loan loss allowance to noncurrent loans | 144.0606% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,029 |
| Noncurrent loans to loans | 0.8748% | 1,619 |
| Net loans and leases to total assets | 57.5227% | 3,143 |
| Net loans and leases to deposits | 72.1689% | 2,668 |
| Net loans and leases to core deposits | 77.3802% | 2,607 |
| Total domestic deposits to total assets | 79.7057% | 4,095 |
| Equity capital to assets | 10.3611% | 2,792 |
| Core capital (leverage) ratio | 9.0627% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7330% | 2,985 |
| Memoranda: | ||
| Average total assets | $693,567,200 | 1,191 |
| Average earning assets | $643,357,200 | 1,187 |
| Average equity | $77,392,800 | 1,189 |
| Average total loans | $418,341,400 | 1,301 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 1,492 |
| Cost of funding earning assets | 0.8052% | 1,471 |
| Net interest margin | 3.7317% | 1,831 |
| Noninterest income to average assets | 0.7485% | 1,648 |
| Noninterest expense to average assets | 2.4954% | 2,872 |
| Loan and lease loss provision to assets | 0.1641% | 2,359 |
| Net operating income to assets | 1.2865% | 1,387 |
| Return on assets (ROA) | 1.3103% | 1,424 |
| Pretax return on assets | 1.5786% | 1,246 |
| Return on Equity (ROE) | 11.5197% | 1,506 |
| Retained earnings to average equity (ytd only) | -15.2784% | 4,973 |
| Net charge-offs to loans | 0.0061% | 2,921 |
| Credit loss provision to net charge-offs | 4,421.0526% | 254 |
| Earnings coverage of net charge-offs (x) | 461.6842% | 245 |
| Efficiency ratio | 58.6501% | 3,576 |
| Assets per employee ($millions) | 4.6947% | 3,606 |
| Cash dividends to net income (ytd only)* | 232.6275% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,138 |
| Loan loss allowance to noncurrent loans | 211.1517% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 2,588 |
| Noncurrent loans to loans | 0.6180% | 2,255 |
| Net loans and leases to total assets | 61.2040% | 3,094 |
| Net loans and leases to deposits | 78.2496% | 2,511 |
| Net loans and leases to core deposits | 83.7945% | 2,496 |
| Total domestic deposits to total assets | 78.2164% | 4,163 |
| Equity capital to assets | 10.5165% | 2,777 |
| Core capital (leverage) ratio | 9.0397% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3961% | 3,049 |
| Memoranda: | ||
| Average total assets | $682,370,250 | 1,189 |
| Average earning assets | $632,839,500 | 1,193 |
| Average equity | $77,615,500 | 1,174 |
| Average total loans | $415,391,000 | 1,304 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 1,184 |
| Cost of funding earning assets | 0.8560% | 1,572 |
| Net interest margin | 3.9367% | 1,476 |
| Noninterest income to average assets | 0.6968% | 1,746 |
| Noninterest expense to average assets | 2.5091% | 2,939 |
| Loan and lease loss provision to assets | 0.2322% | 1,812 |
| Net operating income to assets | 1.3352% | 1,262 |
| Return on assets (ROA) | 1.3715% | 1,268 |
| Pretax return on assets | 1.6525% | 1,101 |
| Return on Equity (ROE) | 11.7443% | 1,410 |
| Retained earnings to average equity (ytd only) | -28.0150% | 5,031 |
| Net charge-offs to loans | 0.0064% | 2,737 |
| Credit loss provision to net charge-offs | 6,000.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 475.7692% | 215 |
| Efficiency ratio | 57.0578% | 3,809 |
| Assets per employee ($millions) | 4.6578% | 3,588 |
| Cash dividends to net income (ytd only)* | 338.5417% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,009 |
| Loan loss allowance to noncurrent loans | 228.2010% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 2,846 |
| Noncurrent loans to loans | 0.5690% | 2,451 |
| Net loans and leases to total assets | 60.6242% | 3,251 |
| Net loans and leases to deposits | 77.7665% | 2,684 |
| Net loans and leases to core deposits | 83.4111% | 2,663 |
| Total domestic deposits to total assets | 77.9567% | 4,195 |
| Equity capital to assets | 10.0832% | 3,124 |
| Core capital (leverage) ratio | 8.8695% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0854% | 3,154 |
| Memoranda: | ||
| Average total assets | $671,963,000 | 1,185 |
| Average earning assets | $623,573,333 | 1,182 |
| Average equity | $78,472,333 | 1,162 |
| Average total loans | $406,347,333 | 1,306 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 2,508 |
| Cost of funding earning assets | 0.9270% | 1,748 |
| Net interest margin | 3.5032% | 2,971 |
| Noninterest income to average assets | 0.7128% | 1,600 |
| Noninterest expense to average assets | 2.6361% | 2,868 |
| Loan and lease loss provision to assets | 0.1355% | 2,029 |
| Net operating income to assets | 0.9866% | 2,225 |
| Return on assets (ROA) | 1.0424% | 2,129 |
| Pretax return on assets | 1.2561% | 2,014 |
| Return on Equity (ROE) | 8.2997% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.2997% | 1,144 |
| Net charge-offs to loans | -0.0031% | 3,730 |
| Credit loss provision to net charge-offs | -7,333.3333% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8578% | 2,991 |
| Assets per employee ($millions) | 4.5163% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,014 |
| Loan loss allowance to noncurrent loans | 546.0970% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 3,800 |
| Noncurrent loans to loans | 0.2429% | 3,613 |
| Net loans and leases to total assets | 58.7964% | 3,609 |
| Net loans and leases to deposits | 77.4612% | 2,938 |
| Net loans and leases to core deposits | 84.5486% | 2,802 |
| Total domestic deposits to total assets | 75.9042% | 4,496 |
| Equity capital to assets | 12.7114% | 1,613 |
| Core capital (leverage) ratio | 11.6525% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3823% | 2,121 |
| Memoranda: | ||
| Average total assets | $649,297,500 | 1,189 |
| Average earning assets | $601,971,000 | 1,181 |
| Average equity | $81,545,500 | 1,117 |
| Average total loans | $389,233,500 | 1,326 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 3,062 |
| Cost of funding earning assets | 0.8349% | 2,511 |
| Net interest margin | 3.6310% | 3,032 |
| Noninterest income to average assets | 0.6523% | 1,997 |
| Noninterest expense to average assets | 2.6644% | 2,981 |
| Loan and lease loss provision to assets | 0.0676% | 2,660 |
| Net operating income to assets | 1.1120% | 2,390 |
| Return on assets (ROA) | 1.1148% | 2,480 |
| Pretax return on assets | 1.2739% | 2,599 |
| Return on Equity (ROE) | 8.3876% | 2,995 |
| Retained earnings to average equity (ytd only) | -12.8976% | 5,099 |
| Net charge-offs to loans | 0.0168% | 3,112 |
| Credit loss provision to net charge-offs | 669.6429% | 471 |
| Earnings coverage of net charge-offs (x) | 132.5179% | 549 |
| Efficiency ratio | 66.1696% | 2,744 |
| Assets per employee ($millions) | 4.2916% | 3,523 |
| Cash dividends to net income (ytd only)* | 253.7690% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,040 |
| Loan loss allowance to noncurrent loans | 586.2722% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,838 |
| Noncurrent loans to loans | 0.2176% | 3,675 |
| Net loans and leases to total assets | 59.5435% | 3,628 |
| Net loans and leases to deposits | 78.3054% | 2,974 |
| Net loans and leases to core deposits | 85.8607% | 2,800 |
| Total domestic deposits to total assets | 76.0401% | 4,593 |
| Equity capital to assets | 12.4041% | 1,883 |
| Core capital (leverage) ratio | 11.8251% | 1,880 |
| Tier 1 risk-based capital ratio | 13.3859% | 3,588 |
| Total risk-based capital ratio | 14.2971% | 3,647 |
| Memoranda: | ||
| Average total assets | $554,523,600 | 1,295 |
| Average earning assets | $511,673,800 | 1,307 |
| Average equity | $73,703,600 | 1,170 |
| Average total loans | $332,389,200 | 1,492 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 3,219 |
| Cost of funding earning assets | 0.8166% | 2,630 |
| Net interest margin | 3.6303% | 3,169 |
| Noninterest income to average assets | 0.6478% | 1,998 |
| Noninterest expense to average assets | 2.7484% | 2,718 |
| Loan and lease loss provision to assets | 0.0451% | 3,002 |
| Net operating income to assets | 0.9838% | 3,036 |
| Return on assets (ROA) | 0.9840% | 3,117 |
| Pretax return on assets | 1.2002% | 2,980 |
| Return on Equity (ROE) | 7.2570% | 3,590 |
| Retained earnings to average equity (ytd only) | -21.7268% | 5,214 |
| Net charge-offs to loans | 0.0075% | 3,110 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 276.1042% | 334 |
| Efficiency ratio | 68.7222% | 2,301 |
| Assets per employee ($millions) | 4.1958% | 3,619 |
| Cash dividends to net income (ytd only)* | 399.3892% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 1,995 |
| Loan loss allowance to noncurrent loans | 403.4483% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,681 |
| Noncurrent loans to loans | 0.3206% | 3,381 |
| Net loans and leases to total assets | 59.7661% | 3,697 |
| Net loans and leases to deposits | 77.6780% | 3,135 |
| Net loans and leases to core deposits | 85.6125% | 2,941 |
| Total domestic deposits to total assets | 76.9408% | 4,521 |
| Equity capital to assets | 12.4051% | 1,979 |
| Core capital (leverage) ratio | 11.3976% | 2,303 |
| Tier 1 risk-based capital ratio | 13.2456% | 3,720 |
| Total risk-based capital ratio | 14.1669% | 3,790 |
| Memoranda: | ||
| Average total assets | $532,221,250 | 1,349 |
| Average earning assets | $490,493,000 | 1,356 |
| Average equity | $72,167,250 | 1,189 |
| Average total loans | $318,422,750 | 1,546 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 3,359 |
| Cost of funding earning assets | 0.7947% | 2,670 |
| Net interest margin | 3.5963% | 3,268 |
| Noninterest income to average assets | 0.6474% | 1,934 |
| Noninterest expense to average assets | 2.7659% | 2,701 |
| Loan and lease loss provision to assets | 0.0475% | 2,867 |
| Net operating income to assets | 0.9445% | 3,113 |
| Return on assets (ROA) | 0.9374% | 3,206 |
| Pretax return on assets | 1.1436% | 3,101 |
| Return on Equity (ROE) | 6.6833% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.6833% | 1,962 |
| Net charge-offs to loans | 0.0140% | 2,640 |
| Credit loss provision to net charge-offs | 571.4286% | 546 |
| Earnings coverage of net charge-offs (x) | 144.3810% | 513 |
| Efficiency ratio | 69.6368% | 2,286 |
| Assets per employee ($millions) | 4.0945% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,195 |
| Loan loss allowance to noncurrent loans | 488.0412% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 3,748 |
| Noncurrent loans to loans | 0.3126% | 3,421 |
| Net loans and leases to total assets | 59.2297% | 3,807 |
| Net loans and leases to deposits | 80.7543% | 2,877 |
| Net loans and leases to core deposits | 88.1168% | 2,785 |
| Total domestic deposits to total assets | 73.3456% | 4,877 |
| Equity capital to assets | 14.2754% | 1,017 |
| Core capital (leverage) ratio | 13.9471% | 982 |
| Tier 1 risk-based capital ratio | 15.8306% | 2,485 |
| Total risk-based capital ratio | 16.8806% | 2,504 |
| Memoranda: | ||
| Average total assets | $505,435,000 | 1,417 |
| Average earning assets | $466,362,000 | 1,427 |
| Average equity | $70,892,670 | 1,199 |
| Average total loans | $300,926,330 | 1,623 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 3,452 |
| Cost of funding earning assets | 0.7512% | 2,784 |
| Net interest margin | 3.5813% | 3,321 |
| Noninterest income to average assets | 0.6517% | 1,818 |
| Noninterest expense to average assets | 2.8229% | 2,491 |
| Loan and lease loss provision to assets | 0.0480% | 2,688 |
| Net operating income to assets | 0.8813% | 3,307 |
| Return on assets (ROA) | 0.8740% | 3,382 |
| Pretax return on assets | 1.0660% | 3,253 |
| Return on Equity (ROE) | 6.2892% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.2892% | 2,325 |
| Net charge-offs to loans | 0.0081% | 2,400 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 339 |
| Efficiency ratio | 71.4430% | 2,120 |
| Assets per employee ($millions) | 4.0683% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 1,138 |
| Loan loss allowance to noncurrent loans | 187.1109% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 2,590 |
| Noncurrent loans to loans | 0.8373% | 1,963 |
| Net loans and leases to total assets | 57.4727% | 3,944 |
| Net loans and leases to deposits | 77.5072% | 3,114 |
| Net loans and leases to core deposits | 84.0913% | 3,021 |
| Total domestic deposits to total assets | 74.1514% | 4,919 |
| Equity capital to assets | 13.7941% | 1,110 |
| Core capital (leverage) ratio | 14.2357% | 885 |
| Tier 1 risk-based capital ratio | 16.1053% | 2,390 |
| Total risk-based capital ratio | 17.1825% | 2,402 |
| Memoranda: | ||
| Average total assets | $500,201,000 | 1,437 |
| Average earning assets | $460,055,500 | 1,452 |
| Average equity | $69,515,500 | 1,212 |
| Average total loans | $296,238,500 | 1,650 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 3,308 |
| Cost of funding earning assets | 0.5848% | 2,820 |
| Net interest margin | 3.6576% | 3,199 |
| Noninterest income to average assets | 0.7030% | 1,844 |
| Noninterest expense to average assets | 2.7071% | 3,003 |
| Loan and lease loss provision to assets | 0.0991% | 2,203 |
| Net operating income to assets | 1.0324% | 2,877 |
| Return on assets (ROA) | 1.0326% | 2,860 |
| Pretax return on assets | 1.2380% | 2,749 |
| Return on Equity (ROE) | 7.6356% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.6356% | 1,401 |
| Net charge-offs to loans | 0.1171% | 1,578 |
| Credit loss provision to net charge-offs | 142.8571% | 1,902 |
| Earnings coverage of net charge-offs (x) | 19.2768% | 2,073 |
| Efficiency ratio | 66.8351% | 2,735 |
| Assets per employee ($millions) | 3.8109% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,069 |
| Loan loss allowance to noncurrent loans | 561.1380% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,848 |
| Noncurrent loans to loans | 0.2817% | 3,558 |
| Net loans and leases to total assets | 59.1527% | 3,853 |
| Net loans and leases to deposits | 81.7385% | 2,765 |
| Net loans and leases to core deposits | 88.4953% | 2,707 |
| Total domestic deposits to total assets | 72.3682% | 5,054 |
| Equity capital to assets | 14.0062% | 967 |
| Core capital (leverage) ratio | 14.1054% | 897 |
| Tier 1 risk-based capital ratio | 16.2156% | 2,336 |
| Total risk-based capital ratio | 17.3047% | 2,329 |
| Memoranda: | ||
| Average total assets | $484,499,200 | 1,445 |
| Average earning assets | $442,559,000 | 1,472 |
| Average equity | $65,521,600 | 1,229 |
| Average total loans | $286,845,200 | 1,653 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 3,400 |
| Cost of funding earning assets | 0.5380% | 2,944 |
| Net interest margin | 3.6360% | 3,246 |
| Noninterest income to average assets | 0.6721% | 1,971 |
| Noninterest expense to average assets | 2.7489% | 2,817 |
| Loan and lease loss provision to assets | 0.0772% | 2,418 |
| Net operating income to assets | 0.9574% | 3,275 |
| Return on assets (ROA) | 0.9574% | 3,288 |
| Pretax return on assets | 1.1674% | 3,133 |
| Return on Equity (ROE) | 7.1435% | 3,882 |
| Retained earnings to average equity (ytd only) | 7.1435% | 2,053 |
| Net charge-offs to loans | 0.0603% | 1,960 |
| Credit loss provision to net charge-offs | 217.0543% | 1,300 |
| Earnings coverage of net charge-offs (x) | 34.9991% | 1,463 |
| Efficiency ratio | 68.7237% | 2,400 |
| Assets per employee ($millions) | 3.9821% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 1,112 |
| Loan loss allowance to noncurrent loans | 516.3515% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 3,845 |
| Noncurrent loans to loans | 0.3068% | 3,577 |
| Net loans and leases to total assets | 59.3530% | 3,913 |
| Net loans and leases to deposits | 80.5358% | 2,981 |
| Net loans and leases to core deposits | 87.2629% | 2,896 |
| Total domestic deposits to total assets | 73.6976% | 5,006 |
| Equity capital to assets | 13.5295% | 1,124 |
| Core capital (leverage) ratio | 14.0472% | 927 |
| Tier 1 risk-based capital ratio | 16.0695% | 2,423 |
| Total risk-based capital ratio | 17.1750% | 2,410 |
| Memoranda: | ||
| Average total assets | $483,674,750 | 1,452 |
| Average earning assets | $441,834,250 | 1,478 |
| Average equity | $64,821,500 | 1,236 |
| Average total loans | $285,261,500 | 1,665 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 3,429 |
| Cost of funding earning assets | 0.4995% | 3,012 |
| Net interest margin | 3.6073% | 3,279 |
| Noninterest income to average assets | 0.6725% | 1,993 |
| Noninterest expense to average assets | 2.7613% | 2,797 |
| Loan and lease loss provision to assets | 0.0911% | 2,105 |
| Net operating income to assets | 0.9197% | 3,376 |
| Return on assets (ROA) | 0.9197% | 3,379 |
| Pretax return on assets | 1.1218% | 3,225 |
| Return on Equity (ROE) | 6.8848% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.8848% | 2,122 |
| Net charge-offs to loans | 0.0906% | 1,442 |
| Credit loss provision to net charge-offs | 171.8750% | 1,447 |
| Earnings coverage of net charge-offs (x) | 22.8828% | 1,726 |
| Efficiency ratio | 69.3654% | 2,415 |
| Assets per employee ($millions) | 3.9083% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,113 |
| Loan loss allowance to noncurrent loans | 484.4609% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 3,790 |
| Noncurrent loans to loans | 0.3301% | 3,517 |
| Net loans and leases to total assets | 58.6584% | 3,932 |
| Net loans and leases to deposits | 78.0777% | 3,152 |
| Net loans and leases to core deposits | 83.3150% | 3,141 |
| Total domestic deposits to total assets | 75.1283% | 4,944 |
| Equity capital to assets | 13.5283% | 1,092 |
| Core capital (leverage) ratio | 13.9028% | 930 |
| Tier 1 risk-based capital ratio | 16.1976% | 2,368 |
| Total risk-based capital ratio | 17.3186% | 2,352 |
| Memoranda: | ||
| Average total assets | $482,960,000 | 1,461 |
| Average earning assets | $442,042,670 | 1,482 |
| Average equity | $64,519,000 | 1,245 |
| Average total loans | $282,685,330 | 1,676 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,448 |
| Cost of funding earning assets | 0.4666% | 3,073 |
| Net interest margin | 3.5774% | 3,259 |
| Noninterest income to average assets | 0.6875% | 1,888 |
| Noninterest expense to average assets | 2.7425% | 2,898 |
| Loan and lease loss provision to assets | 0.0496% | 2,786 |
| Net operating income to assets | 0.9602% | 3,032 |
| Return on assets (ROA) | 0.9602% | 3,048 |
| Pretax return on assets | 1.1709% | 2,887 |
| Return on Equity (ROE) | 7.2329% | 3,685 |
| Retained earnings to average equity (ytd only) | 7.2329% | 2,170 |
| Net charge-offs to loans | 0.0313% | 1,873 |
| Credit loss provision to net charge-offs | 272.7273% | 874 |
| Earnings coverage of net charge-offs (x) | 67.1364% | 791 |
| Efficiency ratio | 69.0992% | 2,649 |
| Assets per employee ($millions) | 4.5882% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,132 |
| Loan loss allowance to noncurrent loans | 160.7168% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 2,440 |
| Noncurrent loans to loans | 1.0024% | 1,824 |
| Net loans and leases to total assets | 57.4125% | 4,002 |
| Net loans and leases to deposits | 75.4771% | 3,276 |
| Net loans and leases to core deposits | 80.9314% | 3,247 |
| Total domestic deposits to total assets | 76.0661% | 4,956 |
| Equity capital to assets | 13.3053% | 1,115 |
| Core capital (leverage) ratio | 13.5711% | 990 |
| Tier 1 risk-based capital ratio | 16.2660% | 2,370 |
| Total risk-based capital ratio | 17.3965% | 2,361 |
| Memoranda: | ||
| Average total assets | $484,076,500 | 1,464 |
| Average earning assets | $443,233,000 | 1,478 |
| Average equity | $64,261,500 | 1,256 |
| Average total loans | $280,743,000 | 1,693 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,379 |
| Cost of funding earning assets | 0.3742% | 3,472 |
| Net interest margin | 3.6333% | 3,054 |
| Noninterest income to average assets | 0.6621% | 2,129 |
| Noninterest expense to average assets | 2.6683% | 3,234 |
| Loan and lease loss provision to assets | 0.0310% | 3,655 |
| Net operating income to assets | 0.8696% | 2,866 |
| Return on assets (ROA) | 0.8716% | 2,879 |
| Pretax return on assets | 1.2742% | 2,450 |
| Return on Equity (ROE) | 6.4974% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.4974% | 1,278 |
| Net charge-offs to loans | 0.0831% | 2,269 |
| Credit loss provision to net charge-offs | 65.6109% | 3,156 |
| Earnings coverage of net charge-offs (x) | 27.5294% | 1,633 |
| Efficiency ratio | 67.2022% | 3,050 |
| Assets per employee ($millions) | 4.1220% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,141 |
| Loan loss allowance to noncurrent loans | 188.8562% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,788 |
| Noncurrent loans to loans | 0.8482% | 2,099 |
| Net loans and leases to total assets | 56.7187% | 4,126 |
| Net loans and leases to deposits | 76.6673% | 3,260 |
| Net loans and leases to core deposits | 82.0118% | 3,242 |
| Total domestic deposits to total assets | 73.9803% | 5,181 |
| Equity capital to assets | 13.2451% | 1,149 |
| Core capital (leverage) ratio | 13.3938% | 1,010 |
| Tier 1 risk-based capital ratio | 16.1846% | 2,365 |
| Total risk-based capital ratio | 17.3207% | 2,346 |
| Memoranda: | ||
| Average total assets | $467,185,200 | 1,484 |
| Average earning assets | $425,425,200 | 1,515 |
| Average equity | $62,671,400 | 1,264 |
| Average total loans | $265,809,000 | 1,733 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,360 |
| Cost of funding earning assets | 0.3630% | 3,522 |
| Net interest margin | 3.6368% | 3,009 |
| Noninterest income to average assets | 0.6058% | 2,444 |
| Noninterest expense to average assets | 2.6906% | 3,091 |
| Loan and lease loss provision to assets | 0.0245% | 3,656 |
| Net operating income to assets | 0.8808% | 3,128 |
| Return on assets (ROA) | 0.8838% | 3,158 |
| Pretax return on assets | 1.2024% | 2,900 |
| Return on Equity (ROE) | 6.5665% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.5665% | 1,932 |
| Net charge-offs to loans | 0.0442% | 2,557 |
| Credit loss provision to net charge-offs | 97.7011% | 2,347 |
| Earnings coverage of net charge-offs (x) | 48.7459% | 1,136 |
| Efficiency ratio | 68.7518% | 2,747 |
| Assets per employee ($millions) | 3.9625% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 1,086 |
| Loan loss allowance to noncurrent loans | 178.0421% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 2,808 |
| Noncurrent loans to loans | 0.9392% | 2,045 |
| Net loans and leases to total assets | 56.9268% | 4,158 |
| Net loans and leases to deposits | 74.9770% | 3,475 |
| Net loans and leases to core deposits | 79.3190% | 3,507 |
| Total domestic deposits to total assets | 75.9256% | 5,023 |
| Equity capital to assets | 13.6935% | 1,079 |
| Core capital (leverage) ratio | 13.7168% | 965 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,329 |
| Total risk-based capital ratio | 17.6726% | 2,296 |
| Memoranda: | ||
| Average total assets | $462,382,250 | 1,513 |
| Average earning assets | $420,540,250 | 1,545 |
| Average equity | $62,233,250 | 1,279 |
| Average total loans | $262,169,000 | 1,762 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,313 |
| Cost of funding earning assets | 0.3456% | 3,626 |
| Net interest margin | 3.6254% | 2,930 |
| Noninterest income to average assets | 0.6091% | 2,412 |
| Noninterest expense to average assets | 2.6961% | 3,102 |
| Loan and lease loss provision to assets | 0.0152% | 3,651 |
| Net operating income to assets | 0.8786% | 3,025 |
| Return on assets (ROA) | 0.8830% | 3,062 |
| Pretax return on assets | 1.2018% | 2,766 |
| Return on Equity (ROE) | 6.6000% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.6000% | 1,795 |
| Net charge-offs to loans | 0.0541% | 2,154 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 39.7286% | 1,254 |
| Efficiency ratio | 69.0070% | 2,850 |
| Assets per employee ($millions) | 4.0872% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 1,039 |
| Loan loss allowance to noncurrent loans | 177.7255% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 2,824 |
| Noncurrent loans to loans | 0.9625% | 2,034 |
| Net loans and leases to total assets | 56.3806% | 4,187 |
| Net loans and leases to deposits | 75.2016% | 3,436 |
| Net loans and leases to core deposits | 78.9957% | 3,506 |
| Total domestic deposits to total assets | 74.9727% | 5,203 |
| Equity capital to assets | 13.7737% | 1,054 |
| Core capital (leverage) ratio | 13.6198% | 961 |
| Tier 1 risk-based capital ratio | 16.6421% | 2,262 |
| Total risk-based capital ratio | 17.8556% | 2,229 |
| Memoranda: | ||
| Average total assets | $459,330,000 | 1,533 |
| Average earning assets | $417,828,670 | 1,555 |
| Average equity | $61,454,330 | 1,294 |
| Average total loans | $258,559,670 | 1,773 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 3,246 |
| Cost of funding earning assets | 0.3431% | 3,596 |
| Net interest margin | 3.5955% | 2,900 |
| Noninterest income to average assets | 0.5929% | 2,451 |
| Noninterest expense to average assets | 2.7009% | 3,136 |
| Loan and lease loss provision to assets | 0.0131% | 3,396 |
| Net operating income to assets | 0.8418% | 3,032 |
| Return on assets (ROA) | 0.8418% | 3,077 |
| Pretax return on assets | 1.1457% | 2,793 |
| Return on Equity (ROE) | 6.3869% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.3869% | 2,143 |
| Net charge-offs to loans | 0.0266% | 2,222 |
| Credit loss provision to net charge-offs | 88.2353% | 1,703 |
| Earnings coverage of net charge-offs (x) | 78.0588% | 665 |
| Efficiency ratio | 69.9774% | 2,897 |
| Assets per employee ($millions) | 3.9479% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 1,017 |
| Loan loss allowance to noncurrent loans | 213.5173% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,342 |
| Noncurrent loans to loans | 0.8289% | 2,382 |
| Net loans and leases to total assets | 55.3243% | 4,222 |
| Net loans and leases to deposits | 71.5440% | 3,648 |
| Net loans and leases to core deposits | 74.9677% | 3,744 |
| Total domestic deposits to total assets | 77.3290% | 5,071 |
| Equity capital to assets | 13.3590% | 1,124 |
| Core capital (leverage) ratio | 13.4463% | 991 |
| Tier 1 risk-based capital ratio | 16.7202% | 2,272 |
| Total risk-based capital ratio | 17.9698% | 2,242 |
| Memoranda: | ||
| Average total assets | $458,065,500 | 1,541 |
| Average earning assets | $416,186,500 | 1,570 |
| Average equity | $60,374,000 | 1,313 |
| Average total loans | $255,374,000 | 1,802 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,376 |
| Cost of funding earning assets | 0.3319% | 3,724 |
| Net interest margin | 3.6202% | 2,998 |
| Noninterest income to average assets | 0.6788% | 2,267 |
| Noninterest expense to average assets | 2.6922% | 3,367 |
| Loan and lease loss provision to assets | 0.0134% | 4,112 |
| Net operating income to assets | 0.9449% | 2,608 |
| Return on assets (ROA) | 0.9631% | 2,630 |
| Pretax return on assets | 1.2853% | 2,331 |
| Return on Equity (ROE) | 7.2306% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.2306% | 1,143 |
| Net charge-offs to loans | 0.0567% | 2,917 |
| Credit loss provision to net charge-offs | 41.9580% | 3,480 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,177 |
| Efficiency ratio | 67.4792% | 3,352 |
| Assets per employee ($millions) | 4.1652% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 938 |
| Loan loss allowance to noncurrent loans | 210.4147% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 3,360 |
| Noncurrent loans to loans | 0.8583% | 2,387 |
| Net loans and leases to total assets | 54.1837% | 4,430 |
| Net loans and leases to deposits | 71.6456% | 3,747 |
| Net loans and leases to core deposits | 74.7433% | 3,859 |
| Total domestic deposits to total assets | 75.6274% | 5,278 |
| Equity capital to assets | 13.0015% | 1,259 |
| Core capital (leverage) ratio | 13.2045% | 1,058 |
| Tier 1 risk-based capital ratio | 16.6153% | 2,300 |
| Total risk-based capital ratio | 17.8656% | 2,244 |
| Memoranda: | ||
| Average total assets | $448,853,600 | 1,513 |
| Average earning assets | $407,624,800 | 1,543 |
| Average equity | $59,787,200 | 1,294 |
| Average total loans | $252,044,400 | 1,780 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,373 |
| Cost of funding earning assets | 0.3322% | 3,760 |
| Net interest margin | 3.6279% | 2,976 |
| Noninterest income to average assets | 0.6330% | 2,505 |
| Noninterest expense to average assets | 2.7187% | 3,301 |
| Loan and lease loss provision to assets | 0.0134% | 3,983 |
| Net operating income to assets | 0.8859% | 2,977 |
| Return on assets (ROA) | 0.9080% | 2,999 |
| Pretax return on assets | 1.2272% | 2,719 |
| Return on Equity (ROE) | 6.7755% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.7755% | 1,739 |
| Net charge-offs to loans | 0.0694% | 2,327 |
| Credit loss provision to net charge-offs | 34.3511% | 3,192 |
| Earnings coverage of net charge-offs (x) | 30.9546% | 1,458 |
| Efficiency ratio | 68.6550% | 3,108 |
| Assets per employee ($millions) | 3.7334% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 1,025 |
| Loan loss allowance to noncurrent loans | 354.0729% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,245 |
| Noncurrent loans to loans | 0.5068% | 3,478 |
| Net loans and leases to total assets | 55.7536% | 4,333 |
| Net loans and leases to deposits | 71.2409% | 3,862 |
| Net loans and leases to core deposits | 74.2312% | 3,980 |
| Total domestic deposits to total assets | 78.2607% | 4,866 |
| Equity capital to assets | 13.7226% | 1,153 |
| Core capital (leverage) ratio | 13.1809% | 1,119 |
| Tier 1 risk-based capital ratio | 16.1670% | 2,559 |
| Total risk-based capital ratio | 17.4170% | 2,510 |
| Memoranda: | ||
| Average total assets | $446,524,250 | 1,520 |
| Average earning assets | $405,731,500 | 1,544 |
| Average equity | $59,841,750 | 1,301 |
| Average total loans | $251,850,500 | 1,782 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,418 |
| Cost of funding earning assets | 0.3301% | 3,795 |
| Net interest margin | 3.6219% | 3,007 |
| Noninterest income to average assets | 0.6040% | 2,601 |
| Noninterest expense to average assets | 2.6971% | 3,402 |
| Loan and lease loss provision to assets | 0.0135% | 3,838 |
| Net operating income to assets | 0.8801% | 2,965 |
| Return on assets (ROA) | 0.9040% | 2,973 |
| Pretax return on assets | 1.2219% | 2,696 |
| Return on Equity (ROE) | 6.7997% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.7997% | 1,715 |
| Net charge-offs to loans | 0.0797% | 2,056 |
| Credit loss provision to net charge-offs | 30.0000% | 2,859 |
| Earnings coverage of net charge-offs (x) | 26.8300% | 1,476 |
| Efficiency ratio | 68.5100% | 3,245 |
| Assets per employee ($millions) | 3.6957% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 1,062 |
| Loan loss allowance to noncurrent loans | 575.3769% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 4,745 |
| Noncurrent loans to loans | 0.3151% | 4,233 |
| Net loans and leases to total assets | 55.9325% | 4,320 |
| Net loans and leases to deposits | 71.6418% | 3,817 |
| Net loans and leases to core deposits | 74.0993% | 3,971 |
| Total domestic deposits to total assets | 78.0724% | 4,988 |
| Equity capital to assets | 13.6833% | 1,149 |
| Core capital (leverage) ratio | 12.9730% | 1,159 |
| Tier 1 risk-based capital ratio | 16.1780% | 2,562 |
| Total risk-based capital ratio | 17.4285% | 2,507 |
| Memoranda: | ||
| Average total assets | $446,030,670 | 1,529 |
| Average earning assets | $405,916,330 | 1,546 |
| Average equity | $59,296,330 | 1,313 |
| Average total loans | $251,019,670 | 1,794 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,418 |
| Cost of funding earning assets | 0.3266% | 3,882 |
| Net interest margin | 3.6193% | 3,009 |
| Noninterest income to average assets | 0.5911% | 2,587 |
| Noninterest expense to average assets | 2.6809% | 3,490 |
| Loan and lease loss provision to assets | 0.0134% | 3,518 |
| Net operating income to assets | 0.8902% | 2,802 |
| Return on assets (ROA) | 0.9184% | 2,773 |
| Pretax return on assets | 1.2242% | 2,606 |
| Return on Equity (ROE) | 7.0099% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.0099% | 1,882 |
| Net charge-offs to loans | 0.1695% | 1,125 |
| Credit loss provision to net charge-offs | 14.1509% | 2,337 |
| Earnings coverage of net charge-offs (x) | 12.6604% | 1,778 |
| Efficiency ratio | 68.4332% | 3,391 |
| Assets per employee ($millions) | 3.9480% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 1,125 |
| Loan loss allowance to noncurrent loans | 485.0000% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 4,691 |
| Noncurrent loans to loans | 0.3740% | 4,094 |
| Net loans and leases to total assets | 55.3188% | 4,323 |
| Net loans and leases to deposits | 70.3969% | 3,824 |
| Net loans and leases to core deposits | 72.8855% | 3,985 |
| Total domestic deposits to total assets | 78.5814% | 5,050 |
| Equity capital to assets | 13.2955% | 1,273 |
| Core capital (leverage) ratio | 12.7637% | 1,248 |
| Tier 1 risk-based capital ratio | 15.9119% | 2,726 |
| Total risk-based capital ratio | 17.1624% | 2,664 |
| Memoranda: | ||
| Average total assets | $447,304,500 | 1,535 |
| Average earning assets | $406,602,000 | 1,543 |
| Average equity | $58,603,000 | 1,322 |
| Average total loans | $250,214,000 | 1,798 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 3,664 |
| Cost of funding earning assets | 0.3397% | 3,796 |
| Net interest margin | 3.5718% | 3,239 |
| Noninterest income to average assets | 0.6121% | 2,659 |
| Noninterest expense to average assets | 2.6173% | 3,858 |
| Loan and lease loss provision to assets | 0.0133% | 4,144 |
| Net operating income to assets | 0.9099% | 2,811 |
| Return on assets (ROA) | 0.9063% | 2,917 |
| Pretax return on assets | 1.2258% | 2,569 |
| Return on Equity (ROE) | 7.3190% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.3190% | 1,158 |
| Net charge-offs to loans | -0.0133% | 5,173 |
| Credit loss provision to net charge-offs | -187.5000% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1385% | 3,721 |
| Assets per employee ($millions) | 3.7688% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 1,018 |
| Loan loss allowance to noncurrent loans | 436.7136% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 4,608 |
| Noncurrent loans to loans | 0.4276% | 3,926 |
| Net loans and leases to total assets | 54.5007% | 4,453 |
| Net loans and leases to deposits | 69.9482% | 3,929 |
| Net loans and leases to core deposits | 71.9800% | 4,134 |
| Total domestic deposits to total assets | 77.9158% | 5,182 |
| Equity capital to assets | 12.9083% | 1,393 |
| Core capital (leverage) ratio | 12.5527% | 1,324 |
| Tier 1 risk-based capital ratio | 15.6324% | 2,866 |
| Total risk-based capital ratio | 16.8831% | 2,799 |
| Memoranda: | ||
| Average total assets | $450,077,600 | 1,490 |
| Average earning assets | $409,434,600 | 1,501 |
| Average equity | $55,731,600 | 1,342 |
| Average total loans | $240,801,400 | 1,792 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,725 |
| Cost of funding earning assets | 0.3449% | 3,810 |
| Net interest margin | 3.5625% | 3,292 |
| Noninterest income to average assets | 0.5659% | 2,946 |
| Noninterest expense to average assets | 2.6443% | 3,737 |
| Loan and lease loss provision to assets | 0.0133% | 4,007 |
| Net operating income to assets | 0.8753% | 3,060 |
| Return on assets (ROA) | 0.8681% | 3,184 |
| Pretax return on assets | 1.1422% | 3,044 |
| Return on Equity (ROE) | 7.0855% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.0855% | 1,649 |
| Net charge-offs to loans | 0.0346% | 3,222 |
| Credit loss provision to net charge-offs | 72.5806% | 2,720 |
| Earnings coverage of net charge-offs (x) | 63.4874% | 878 |
| Efficiency ratio | 68.7646% | 3,414 |
| Assets per employee ($millions) | 3.7371% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 1,153 |
| Loan loss allowance to noncurrent loans | 403.2860% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,729 |
| Noncurrent loans to loans | 0.4613% | 3,978 |
| Net loans and leases to total assets | 53.4196% | 4,627 |
| Net loans and leases to deposits | 67.4600% | 4,243 |
| Net loans and leases to core deposits | 69.3159% | 4,436 |
| Total domestic deposits to total assets | 79.1871% | 4,931 |
| Equity capital to assets | 12.6049% | 1,686 |
| Core capital (leverage) ratio | 12.1953% | 1,570 |
| Tier 1 risk-based capital ratio | 15.5578% | 3,022 |
| Total risk-based capital ratio | 16.8083% | 2,948 |
| Memoranda: | ||
| Average total assets | $450,475,000 | 1,497 |
| Average earning assets | $410,117,000 | 1,512 |
| Average equity | $55,191,500 | 1,363 |
| Average total loans | $238,731,750 | 1,814 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,709 |
| Cost of funding earning assets | 0.3510% | 3,795 |
| Net interest margin | 3.5459% | 3,307 |
| Noninterest income to average assets | 0.5626% | 2,959 |
| Noninterest expense to average assets | 2.6306% | 3,813 |
| Loan and lease loss provision to assets | 0.0133% | 3,855 |
| Net operating income to assets | 0.8659% | 3,059 |
| Return on assets (ROA) | 0.8551% | 3,211 |
| Pretax return on assets | 1.1287% | 3,057 |
| Return on Equity (ROE) | 7.0470% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.0470% | 1,683 |
| Net charge-offs to loans | 0.0253% | 3,174 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 86.9333% | 660 |
| Efficiency ratio | 68.8129% | 3,531 |
| Assets per employee ($millions) | 3.9069% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 1,206 |
| Loan loss allowance to noncurrent loans | 422.4282% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 4,908 |
| Noncurrent loans to loans | 0.4454% | 4,140 |
| Net loans and leases to total assets | 52.9061% | 4,670 |
| Net loans and leases to deposits | 65.0816% | 4,430 |
| Net loans and leases to core deposits | 66.7269% | 4,593 |
| Total domestic deposits to total assets | 81.2920% | 4,520 |
| Equity capital to assets | 12.2956% | 1,804 |
| Core capital (leverage) ratio | 11.9609% | 1,685 |
| Tier 1 risk-based capital ratio | 15.1934% | 3,253 |
| Total risk-based capital ratio | 16.4441% | 3,188 |
| Memoranda: | ||
| Average total assets | $451,149,000 | 1,508 |
| Average earning assets | $410,218,330 | 1,518 |
| Average equity | $54,746,330 | 1,379 |
| Average total loans | $236,941,330 | 1,826 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,587 |
| Cost of funding earning assets | 0.3651% | 3,693 |
| Net interest margin | 3.5392% | 3,266 |
| Noninterest income to average assets | 0.5813% | 2,759 |
| Noninterest expense to average assets | 2.6420% | 3,780 |
| Loan and lease loss provision to assets | 0.0133% | 3,550 |
| Net operating income to assets | 0.8658% | 2,924 |
| Return on assets (ROA) | 0.8282% | 3,250 |
| Pretax return on assets | 1.0927% | 3,114 |
| Return on Equity (ROE) | 6.8700% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.8700% | 2,069 |
| Net charge-offs to loans | 0.0085% | 3,044 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 261.2000% | 219 |
| Efficiency ratio | 68.9189% | 3,674 |
| Assets per employee ($millions) | 3.9326% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 1,215 |
| Loan loss allowance to noncurrent loans | 320.7865% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 4,716 |
| Noncurrent loans to loans | 0.6033% | 3,766 |
| Net loans and leases to total assets | 51.6300% | 4,695 |
| Net loans and leases to deposits | 63.9610% | 4,373 |
| Net loans and leases to core deposits | 65.5468% | 4,564 |
| Total domestic deposits to total assets | 80.7210% | 4,879 |
| Equity capital to assets | 12.2874% | 1,826 |
| Core capital (leverage) ratio | 11.7357% | 1,825 |
| Tier 1 risk-based capital ratio | 15.4497% | 3,175 |
| Total risk-based capital ratio | 16.7007% | 3,112 |
| Memoranda: | ||
| Average total assets | $452,078,500 | 1,511 |
| Average earning assets | $410,828,000 | 1,525 |
| Average equity | $54,498,000 | 1,396 |
| Average total loans | $234,282,000 | 1,840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 3,785 |
| Cost of funding earning assets | 0.4247% | 3,437 |
| Net interest margin | 3.5575% | 3,566 |
| Noninterest income to average assets | 0.6283% | 2,693 |
| Noninterest expense to average assets | 2.5025% | 4,539 |
| Loan and lease loss provision to assets | 0.0362% | 3,863 |
| Net operating income to assets | 0.9757% | 2,501 |
| Return on assets (ROA) | 0.9508% | 2,708 |
| Pretax return on assets | 1.2809% | 2,306 |
| Return on Equity (ROE) | 8.2018% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.2018% | 947 |
| Net charge-offs to loans | 0.0205% | 4,438 |
| Credit loss provision to net charge-offs | 363.6364% | 719 |
| Earnings coverage of net charge-offs (x) | 135.8636% | 396 |
| Efficiency ratio | 64.2899% | 4,549 |
| Assets per employee ($millions) | 4.1066% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 1,182 |
| Loan loss allowance to noncurrent loans | 290.5035% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,655 |
| Noncurrent loans to loans | 0.6748% | 3,657 |
| Net loans and leases to total assets | 50.0114% | 4,977 |
| Net loans and leases to deposits | 63.9634% | 4,530 |
| Net loans and leases to core deposits | 65.6843% | 4,691 |
| Total domestic deposits to total assets | 78.1875% | 5,401 |
| Equity capital to assets | 11.8264% | 2,151 |
| Core capital (leverage) ratio | 11.4444% | 2,023 |
| Tier 1 risk-based capital ratio | 15.9765% | 2,970 |
| Total risk-based capital ratio | 17.2285% | 2,914 |
| Memoranda: | ||
| Average total assets | $442,595,200 | 1,503 |
| Average earning assets | $401,212,800 | 1,522 |
| Average equity | $51,305,600 | 1,417 |
| Average total loans | $215,148,200 | 1,935 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,834 |
| Cost of funding earning assets | 0.4375% | 3,390 |
| Net interest margin | 3.5425% | 3,660 |
| Noninterest income to average assets | 0.5934% | 2,914 |
| Noninterest expense to average assets | 2.5304% | 4,429 |
| Loan and lease loss provision to assets | 0.0137% | 4,141 |
| Net operating income to assets | 0.9097% | 2,867 |
| Return on assets (ROA) | 0.8693% | 3,167 |
| Pretax return on assets | 1.2050% | 2,759 |
| Return on Equity (ROE) | 7.5384% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.5384% | 1,565 |
| Net charge-offs to loans | 0.0006% | 4,687 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 4,210.4211% | 7 |
| Efficiency ratio | 65.8291% | 4,239 |
| Assets per employee ($millions) | 4.0113% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 1,212 |
| Loan loss allowance to noncurrent loans | 323.1988% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 4,976 |
| Noncurrent loans to loans | 0.6270% | 4,044 |
| Net loans and leases to total assets | 48.7132% | 5,133 |
| Net loans and leases to deposits | 59.6096% | 4,976 |
| Net loans and leases to core deposits | 61.2774% | 5,090 |
| Total domestic deposits to total assets | 81.7204% | 4,580 |
| Equity capital to assets | 11.7885% | 2,228 |
| Core capital (leverage) ratio | 11.2995% | 2,215 |
| Tier 1 risk-based capital ratio | 16.0203% | 3,048 |
| Total risk-based capital ratio | 17.2724% | 3,003 |
| Memoranda: | ||
| Average total assets | $439,285,000 | 1,528 |
| Average earning assets | $398,279,250 | 1,549 |
| Average equity | $50,654,750 | 1,439 |
| Average total loans | $210,803,250 | 1,979 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,857 |
| Cost of funding earning assets | 0.4423% | 3,416 |
| Net interest margin | 3.5266% | 3,673 |
| Noninterest income to average assets | 0.5941% | 2,846 |
| Noninterest expense to average assets | 2.5086% | 4,553 |
| Loan and lease loss provision to assets | 0.0137% | 3,986 |
| Net operating income to assets | 0.9176% | 2,716 |
| Return on assets (ROA) | 0.8557% | 3,142 |
| Pretax return on assets | 1.1804% | 2,760 |
| Return on Equity (ROE) | 7.4775% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.4775% | 1,530 |
| Net charge-offs to loans | -0.0164% | 5,475 |
| Credit loss provision to net charge-offs | -176.4706% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5360% | 4,437 |
| Assets per employee ($millions) | 4.0020% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1462% | 1,095 |
| Loan loss allowance to noncurrent loans | 359.9840% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 5,192 |
| Noncurrent loans to loans | 0.5962% | 4,239 |
| Net loans and leases to total assets | 46.0741% | 5,356 |
| Net loans and leases to deposits | 56.1526% | 5,179 |
| Net loans and leases to core deposits | 57.7197% | 5,295 |
| Total domestic deposits to total assets | 82.0516% | 4,629 |
| Equity capital to assets | 11.6040% | 2,323 |
| Core capital (leverage) ratio | 11.2280% | 2,220 |
| Tier 1 risk-based capital ratio | 16.5547% | 2,800 |
| Total risk-based capital ratio | 17.8080% | 2,763 |
| Memoranda: | ||
| Average total assets | $437,295,000 | 1,532 |
| Average earning assets | $396,134,330 | 1,550 |
| Average equity | $50,043,330 | 1,446 |
| Average total loans | $207,276,330 | 2,000 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 3,760 |
| Cost of funding earning assets | 0.4464% | 3,467 |
| Net interest margin | 3.5360% | 3,541 |
| Noninterest income to average assets | 0.5929% | 2,778 |
| Noninterest expense to average assets | 2.4765% | 4,694 |
| Loan and lease loss provision to assets | 0.0138% | 3,648 |
| Net operating income to assets | 0.9528% | 2,394 |
| Return on assets (ROA) | 0.9239% | 2,606 |
| Pretax return on assets | 1.2687% | 2,219 |
| Return on Equity (ROE) | 8.1312% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.1312% | 1,552 |
| Net charge-offs to loans | -0.0252% | 5,469 |
| Credit loss provision to net charge-offs | -115.3846% | 4,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5146% | 4,775 |
| Assets per employee ($millions) | 4.0329% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1413% | 1,249 |
| Loan loss allowance to noncurrent loans | 390.7343% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 5,350 |
| Noncurrent loans to loans | 0.5480% | 4,519 |
| Net loans and leases to total assets | 46.4702% | 5,279 |
| Net loans and leases to deposits | 56.5530% | 5,069 |
| Net loans and leases to core deposits | 58.2272% | 5,185 |
| Total domestic deposits to total assets | 82.1711% | 4,895 |
| Equity capital to assets | 11.2717% | 2,458 |
| Core capital (leverage) ratio | 11.3028% | 2,132 |
| Tier 1 risk-based capital ratio | 16.2947% | 3,013 |
| Total risk-based capital ratio | 17.5479% | 2,975 |
| Memoranda: | ||
| Average total assets | $433,834,000 | 1,549 |
| Average earning assets | $393,329,500 | 1,570 |
| Average equity | $49,291,500 | 1,458 |
| Average total loans | $206,335,500 | 2,000 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 4,269 |
| Cost of funding earning assets | 0.5107% | 3,492 |
| Net interest margin | 3.4430% | 4,120 |
| Noninterest income to average assets | 0.7072% | 2,501 |
| Noninterest expense to average assets | 2.4410% | 4,955 |
| Loan and lease loss provision to assets | 0.0324% | 4,469 |
| Net operating income to assets | 0.9865% | 2,385 |
| Return on assets (ROA) | 0.9970% | 2,406 |
| Pretax return on assets | 1.3494% | 1,972 |
| Return on Equity (ROE) | 8.6710% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.6710% | 856 |
| Net charge-offs to loans | 0.0744% | 4,168 |
| Credit loss provision to net charge-offs | 92.4658% | 2,694 |
| Earnings coverage of net charge-offs (x) | 38.9932% | 971 |
| Efficiency ratio | 63.3846% | 4,998 |
| Assets per employee ($millions) | 3.9637% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1783% | 1,207 |
| Loan loss allowance to noncurrent loans | 653.2353% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 5,800 |
| Noncurrent loans to loans | 0.3335% | 5,187 |
| Net loans and leases to total assets | 46.5991% | 5,438 |
| Net loans and leases to deposits | 58.6242% | 5,065 |
| Net loans and leases to core deposits | 60.2087% | 5,209 |
| Total domestic deposits to total assets | 79.4879% | 5,552 |
| Equity capital to assets | 11.4544% | 2,203 |
| Core capital (leverage) ratio | 11.3226% | 2,098 |
| Tier 1 risk-based capital ratio | 16.5530% | 2,823 |
| Total risk-based capital ratio | 17.8067% | 2,795 |
| Memoranda: | ||
| Average total assets | $416,262,800 | 1,584 |
| Average earning assets | $374,963,400 | 1,609 |
| Average equity | $47,860,800 | 1,468 |
| Average total loans | $196,191,800 | 2,037 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 4,391 |
| Cost of funding earning assets | 0.5256% | 3,517 |
| Net interest margin | 3.4038% | 4,271 |
| Noninterest income to average assets | 0.6845% | 2,707 |
| Noninterest expense to average assets | 2.4352% | 4,916 |
| Loan and lease loss provision to assets | 0.0145% | 4,716 |
| Net operating income to assets | 0.9496% | 2,597 |
| Return on assets (ROA) | 0.9562% | 2,659 |
| Pretax return on assets | 1.3065% | 2,309 |
| Return on Equity (ROE) | 8.3080% | 2,971 |
| Retained earnings to average equity (ytd only) | 8.3080% | 1,295 |
| Net charge-offs to loans | 0.0515% | 4,168 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 54.2253% | 815 |
| Efficiency ratio | 64.2648% | 4,760 |
| Assets per employee ($millions) | 3.9273% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 1,281 |
| Loan loss allowance to noncurrent loans | 775.9649% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 5,999 |
| Noncurrent loans to loans | 0.2877% | 5,511 |
| Net loans and leases to total assets | 46.1002% | 5,544 |
| Net loans and leases to deposits | 56.9480% | 5,286 |
| Net loans and leases to core deposits | 58.5754% | 5,401 |
| Total domestic deposits to total assets | 80.9513% | 5,225 |
| Equity capital to assets | 11.3718% | 2,406 |
| Core capital (leverage) ratio | 11.3024% | 2,198 |
| Tier 1 risk-based capital ratio | 16.4512% | 2,958 |
| Total risk-based capital ratio | 17.7053% | 2,927 |
| Memoranda: | ||
| Average total assets | $413,308,750 | 1,604 |
| Average earning assets | $371,887,500 | 1,633 |
| Average equity | $47,567,500 | 1,486 |
| Average total loans | $194,259,000 | 2,058 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 4,309 |
| Cost of funding earning assets | 0.5351% | 3,546 |
| Net interest margin | 3.4095% | 4,161 |
| Noninterest income to average assets | 0.7070% | 2,601 |
| Noninterest expense to average assets | 2.4165% | 5,007 |
| Loan and lease loss provision to assets | 0.0146% | 4,595 |
| Net operating income to assets | 0.9839% | 2,396 |
| Return on assets (ROA) | 0.9917% | 2,504 |
| Pretax return on assets | 1.3591% | 2,088 |
| Return on Equity (ROE) | 8.5821% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.5821% | 1,262 |
| Net charge-offs to loans | 0.0757% | 3,632 |
| Credit loss provision to net charge-offs | 41.0959% | 3,396 |
| Earnings coverage of net charge-offs (x) | 38.3699% | 957 |
| Efficiency ratio | 63.2162% | 4,978 |
| Assets per employee ($millions) | 3.9662% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2425% | 1,346 |
| Loan loss allowance to noncurrent loans | 378.5408% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 5,525 |
| Noncurrent loans to loans | 0.5924% | 4,776 |
| Net loans and leases to total assets | 47.0602% | 5,420 |
| Net loans and leases to deposits | 57.7154% | 5,185 |
| Net loans and leases to core deposits | 59.4922% | 5,305 |
| Total domestic deposits to total assets | 81.5383% | 5,205 |
| Equity capital to assets | 11.5802% | 2,237 |
| Core capital (leverage) ratio | 11.0090% | 2,342 |
| Tier 1 risk-based capital ratio | 16.4323% | 2,966 |
| Total risk-based capital ratio | 17.6863% | 2,925 |
| Memoranda: | ||
| Average total assets | $411,004,330 | 1,618 |
| Average earning assets | $370,379,670 | 1,634 |
| Average equity | $47,494,330 | 1,497 |
| Average total loans | $192,963,330 | 2,071 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 4,209 |
| Cost of funding earning assets | 0.5379% | 3,698 |
| Net interest margin | 3.4396% | 3,962 |
| Noninterest income to average assets | 0.7306% | 2,426 |
| Noninterest expense to average assets | 2.3840% | 5,171 |
| Loan and lease loss provision to assets | 0.0146% | 4,270 |
| Net operating income to assets | 1.0431% | 2,064 |
| Return on assets (ROA) | 1.0431% | 2,171 |
| Pretax return on assets | 1.4341% | 1,761 |
| Return on Equity (ROE) | 9.0359% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.0359% | 1,375 |
| Net charge-offs to loans | -0.0209% | 5,736 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4937% | 5,375 |
| Assets per employee ($millions) | 3.8615% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3625% | 1,312 |
| Loan loss allowance to noncurrent loans | 337.4529% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 5,588 |
| Noncurrent loans to loans | 0.7001% | 4,727 |
| Net loans and leases to total assets | 44.7910% | 5,580 |
| Net loans and leases to deposits | 54.9240% | 5,354 |
| Net loans and leases to core deposits | 56.6363% | 5,460 |
| Total domestic deposits to total assets | 81.5508% | 5,340 |
| Equity capital to assets | 11.6442% | 2,298 |
| Core capital (leverage) ratio | 10.7760% | 2,476 |
| Tier 1 risk-based capital ratio | 16.4539% | 3,032 |
| Total risk-based capital ratio | 17.7088% | 2,979 |
| Memoranda: | ||
| Average total assets | $412,248,000 | 1,627 |
| Average earning assets | $371,789,000 | 1,649 |
| Average equity | $47,588,000 | 1,513 |
| Average total loans | $191,115,500 | 2,097 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 4,329 |
| Cost of funding earning assets | 0.6614% | 3,823 |
| Net interest margin | 3.6066% | 4,055 |
| Noninterest income to average assets | 0.8285% | 2,139 |
| Noninterest expense to average assets | 2.5273% | 5,000 |
| Loan and lease loss provision to assets | 0.1169% | 4,163 |
| Net operating income to assets | 1.0555% | 2,098 |
| Return on assets (ROA) | 1.0772% | 2,212 |
| Pretax return on assets | 1.4663% | 1,795 |
| Return on Equity (ROE) | 9.3665% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.3665% | 731 |
| Net charge-offs to loans | 0.0333% | 5,451 |
| Credit loss provision to net charge-offs | 741.9355% | 336 |
| Earnings coverage of net charge-offs (x) | 98.5968% | 386 |
| Efficiency ratio | 61.2343% | 5,349 |
| Assets per employee ($millions) | 3.8441% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3110% | 1,349 |
| Loan loss allowance to noncurrent loans | 318.5265% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 5,578 |
| Noncurrent loans to loans | 0.7255% | 4,731 |
| Net loans and leases to total assets | 45.7635% | 5,640 |
| Net loans and leases to deposits | 56.5293% | 5,388 |
| Net loans and leases to core deposits | 58.3210% | 5,511 |
| Total domestic deposits to total assets | 80.9554% | 5,419 |
| Equity capital to assets | 11.4425% | 2,502 |
| Core capital (leverage) ratio | 10.6891% | 2,554 |
| Tier 1 risk-based capital ratio | 15.9530% | 3,188 |
| Total risk-based capital ratio | 17.2077% | 3,144 |
| Memoranda: | ||
| Average total assets | $393,505,600 | 1,663 |
| Average earning assets | $354,848,600 | 1,680 |
| Average equity | $45,257,000 | 1,536 |
| Average total loans | $186,338,200 | 2,129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 4,366 |
| Cost of funding earning assets | 0.6906% | 3,847 |
| Net interest margin | 3.6306% | 4,095 |
| Noninterest income to average assets | 0.7824% | 2,320 |
| Noninterest expense to average assets | 2.5148% | 5,037 |
| Loan and lease loss provision to assets | 0.0154% | 5,615 |
| Net operating income to assets | 1.0979% | 2,094 |
| Return on assets (ROA) | 1.1248% | 2,203 |
| Pretax return on assets | 1.5706% | 1,667 |
| Return on Equity (ROE) | 9.7665% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.7665% | 977 |
| Net charge-offs to loans | -0.0087% | 6,346 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1791% | 5,280 |
| Assets per employee ($millions) | 3.7359% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,703 |
| Loan loss allowance to noncurrent loans | 404.7244% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 5,978 |
| Noncurrent loans to loans | 0.5439% | 5,353 |
| Net loans and leases to total assets | 46.1369% | 5,750 |
| Net loans and leases to deposits | 56.0205% | 5,632 |
| Net loans and leases to core deposits | 57.7587% | 5,750 |
| Total domestic deposits to total assets | 82.3572% | 4,894 |
| Equity capital to assets | 11.8160% | 2,418 |
| Core capital (leverage) ratio | 10.7211% | 2,680 |
| Tier 1 risk-based capital ratio | 16.1224% | 3,209 |
| Total risk-based capital ratio | 17.3757% | 3,179 |
| Memoranda: | ||
| Average total assets | $389,052,250 | 1,706 |
| Average earning assets | $351,591,500 | 1,713 |
| Average equity | $44,805,000 | 1,568 |
| Average total loans | $184,751,000 | 2,170 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 4,313 |
| Cost of funding earning assets | 0.7125% | 3,917 |
| Net interest margin | 3.6560% | 4,006 |
| Noninterest income to average assets | 0.7716% | 2,329 |
| Noninterest expense to average assets | 2.5040% | 5,121 |
| Loan and lease loss provision to assets | 0.0155% | 5,466 |
| Net operating income to assets | 1.1199% | 1,980 |
| Return on assets (ROA) | 1.1605% | 2,053 |
| Pretax return on assets | 1.6120% | 1,511 |
| Return on Equity (ROE) | 10.1670% | 2,288 |
| Retained earnings to average equity (ytd only) | 10.1670% | 932 |
| Net charge-offs to loans | -0.0804% | 6,804 |
| Credit loss provision to net charge-offs | -40.5405% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7360% | 5,462 |
| Assets per employee ($millions) | 3.8326% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2456% | 1,679 |
| Loan loss allowance to noncurrent loans | 407.7451% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 5,993 |
| Noncurrent loans to loans | 0.5507% | 5,418 |
| Net loans and leases to total assets | 45.8632% | 5,837 |
| Net loans and leases to deposits | 55.4292% | 5,714 |
| Net loans and leases to core deposits | 57.4175% | 5,824 |
| Total domestic deposits to total assets | 82.7420% | 4,853 |
| Equity capital to assets | 11.4464% | 2,641 |
| Core capital (leverage) ratio | 10.4599% | 2,847 |
| Tier 1 risk-based capital ratio | 16.1602% | 3,089 |
| Total risk-based capital ratio | 17.4143% | 3,048 |
| Memoranda: | ||
| Average total assets | $386,735,000 | 1,711 |
| Average earning assets | $349,456,670 | 1,725 |
| Average equity | $44,142,670 | 1,584 |
| Average total loans | $184,062,670 | 2,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 4,314 |
| Cost of funding earning assets | 0.7296% | 4,030 |
| Net interest margin | 3.6743% | 3,943 |
| Noninterest income to average assets | 0.7650% | 2,321 |
| Noninterest expense to average assets | 2.3986% | 5,474 |
| Loan and lease loss provision to assets | 0.0157% | 5,125 |
| Net operating income to assets | 1.1799% | 1,802 |
| Return on assets (ROA) | 1.2437% | 1,798 |
| Pretax return on assets | 1.7621% | 1,168 |
| Return on Equity (ROE) | 10.9122% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.9122% | 1,052 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9795% | 5,918 |
| Assets per employee ($millions) | 3.7774% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2024% | 1,876 |
| Loan loss allowance to noncurrent loans | 422.1992% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 6,198 |
| Noncurrent loans to loans | 0.5216% | 5,624 |
| Net loans and leases to total assets | 46.4508% | 5,735 |
| Net loans and leases to deposits | 55.4292% | 5,665 |
| Net loans and leases to core deposits | 57.4191% | 5,764 |
| Total domestic deposits to total assets | 83.8021% | 4,588 |
| Equity capital to assets | 11.3641% | 2,566 |
| Core capital (leverage) ratio | 10.4691% | 2,787 |
| Tier 1 risk-based capital ratio | 16.2726% | 3,033 |
| Total risk-based capital ratio | 17.5269% | 2,991 |
| Memoranda: | ||
| Average total assets | $382,722,000 | 1,731 |
| Average earning assets | $345,966,000 | 1,748 |
| Average equity | $43,621,000 | 1,600 |
| Average total loans | $183,489,500 | 2,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 4,300 |
| Cost of funding earning assets | 0.9655% | 3,608 |
| Net interest margin | 3.7216% | 4,198 |
| Noninterest income to average assets | 0.7775% | 2,181 |
| Noninterest expense to average assets | 2.6350% | 4,975 |
| Loan and lease loss provision to assets | 0.1711% | 4,494 |
| Net operating income to assets | 0.9657% | 2,338 |
| Return on assets (ROA) | 1.0705% | 2,061 |
| Pretax return on assets | 1.4932% | 1,494 |
| Return on Equity (ROE) | 9.3129% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.3129% | 722 |
| Net charge-offs to loans | 0.1368% | 5,046 |
| Credit loss provision to net charge-offs | 255.2301% | 943 |
| Earnings coverage of net charge-offs (x) | 22.6569% | 1,054 |
| Efficiency ratio | 63.4369% | 5,225 |
| Assets per employee ($millions) | 3.7264% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2258% | 1,752 |
| Loan loss allowance to noncurrent loans | 444.6272% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,329 |
| Noncurrent loans to loans | 0.5006% | 5,707 |
| Net loans and leases to total assets | 47.3273% | 5,893 |
| Net loans and leases to deposits | 56.4038% | 5,849 |
| Net loans and leases to core deposits | 58.6080% | 5,965 |
| Total domestic deposits to total assets | 83.9080% | 4,348 |
| Equity capital to assets | 11.4322% | 2,562 |
| Core capital (leverage) ratio | 10.4191% | 2,826 |
| Tier 1 risk-based capital ratio | 16.7122% | 2,728 |
| Total risk-based capital ratio | 17.9702% | 2,685 |
| Memoranda: | ||
| Average total assets | $356,546,200 | 1,818 |
| Average earning assets | $323,461,600 | 1,829 |
| Average equity | $40,986,000 | 1,638 |
| Average total loans | $174,738,800 | 2,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 4,309 |
| Cost of funding earning assets | 1.0054% | 3,645 |
| Net interest margin | 3.7272% | 4,214 |
| Noninterest income to average assets | 0.6834% | 2,707 |
| Noninterest expense to average assets | 2.5495% | 5,284 |
| Loan and lease loss provision to assets | 0.0929% | 5,303 |
| Net operating income to assets | 1.0164% | 2,263 |
| Return on assets (ROA) | 1.1316% | 1,991 |
| Pretax return on assets | 1.5901% | 1,415 |
| Return on Equity (ROE) | 9.8295% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.8295% | 889 |
| Net charge-offs to loans | 0.0170% | 5,916 |
| Credit loss provision to net charge-offs | 1,113.6364% | 239 |
| Earnings coverage of net charge-offs (x) | 182.2888% | 211 |
| Efficiency ratio | 62.6386% | 5,305 |
| Assets per employee ($millions) | 3.8155% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 1,929 |
| Loan loss allowance to noncurrent loans | 341.8198% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,243 |
| Noncurrent loans to loans | 0.6338% | 5,620 |
| Net loans and leases to total assets | 46.2414% | 6,125 |
| Net loans and leases to deposits | 54.9290% | 6,128 |
| Net loans and leases to core deposits | 57.2929% | 6,198 |
| Total domestic deposits to total assets | 84.1840% | 4,137 |
| Equity capital to assets | 11.0788% | 3,069 |
| Core capital (leverage) ratio | 10.6502% | 2,712 |
| Tier 1 risk-based capital ratio | 16.5287% | 2,849 |
| Total risk-based capital ratio | 17.7839% | 2,808 |
| Memoranda: | ||
| Average total assets | $351,590,750 | 1,850 |
| Average earning assets | $319,481,500 | 1,855 |
| Average equity | $40,475,750 | 1,665 |
| Average total loans | $172,878,500 | 2,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 4,212 |
| Cost of funding earning assets | 1.0593% | 3,545 |
| Net interest margin | 3.7104% | 4,214 |
| Noninterest income to average assets | 0.6797% | 2,658 |
| Noninterest expense to average assets | 2.5702% | 5,289 |
| Loan and lease loss provision to assets | 0.0176% | 6,061 |
| Net operating income to assets | 1.0387% | 2,074 |
| Return on assets (ROA) | 1.2166% | 1,605 |
| Pretax return on assets | 1.7201% | 1,012 |
| Return on Equity (ROE) | 10.4220% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.4220% | 760 |
| Net charge-offs to loans | 0.0117% | 5,686 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 133 |
| Efficiency ratio | 63.3478% | 5,356 |
| Assets per employee ($millions) | 3.5599% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1505% | 2,011 |
| Loan loss allowance to noncurrent loans | 456.1576% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 6,460 |
| Noncurrent loans to loans | 0.4714% | 5,961 |
| Net loans and leases to total assets | 48.3074% | 6,022 |
| Net loans and leases to deposits | 58.1925% | 5,916 |
| Net loans and leases to core deposits | 59.6337% | 6,122 |
| Total domestic deposits to total assets | 83.0131% | 4,746 |
| Equity capital to assets | 11.8149% | 2,230 |
| Core capital (leverage) ratio | 11.1210% | 2,161 |
| Tier 1 risk-based capital ratio | 17.5180% | 2,334 |
| Total risk-based capital ratio | 18.7735% | 2,299 |
| Memoranda: | ||
| Average total assets | $341,604,330 | 1,910 |
| Average earning assets | $310,964,000 | 1,913 |
| Average equity | $39,877,330 | 1,680 |
| Average total loans | $170,391,000 | 2,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 4,243 |
| Cost of funding earning assets | 1.1265% | 3,317 |
| Net interest margin | 3.6368% | 4,390 |
| Noninterest income to average assets | 0.7326% | 2,376 |
| Noninterest expense to average assets | 2.5269% | 5,463 |
| Loan and lease loss provision to assets | 0.0178% | 5,719 |
| Net operating income to assets | 1.0491% | 2,003 |
| Return on assets (ROA) | 1.4037% | 1,094 |
| Pretax return on assets | 2.0073% | 556 |
| Return on Equity (ROE) | 12.1000% | 1,432 |
| Retained earnings to average equity (ytd only) | 12.1000% | 723 |
| Net charge-offs to loans | 0.0661% | 4,260 |
| Credit loss provision to net charge-offs | 53.5714% | 3,677 |
| Earnings coverage of net charge-offs (x) | 45.8214% | 615 |
| Efficiency ratio | 62.4634% | 5,603 |
| Assets per employee ($millions) | 3.5444% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 2,060 |
| Loan loss allowance to noncurrent loans | 821.2528% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 6,781 |
| Noncurrent loans to loans | 0.2627% | 6,461 |
| Net loans and leases to total assets | 48.4155% | 6,031 |
| Net loans and leases to deposits | 58.3237% | 5,898 |
| Net loans and leases to core deposits | 59.9174% | 6,097 |
| Total domestic deposits to total assets | 83.0118% | 4,925 |
| Equity capital to assets | 11.5675% | 2,213 |
| Core capital (leverage) ratio | 11.1703% | 2,051 |
| Tier 1 risk-based capital ratio | 17.5563% | 2,269 |
| Total risk-based capital ratio | 18.8122% | 2,232 |
| Memoranda: | ||
| Average total assets | $337,969,500 | 1,941 |
| Average earning assets | $307,855,500 | 1,936 |
| Average equity | $39,206,500 | 1,695 |
| Average total loans | $169,468,500 | 2,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 4,953 |
| Cost of funding earning assets | 1.2763% | 4,043 |
| Net interest margin | 3.6373% | 4,631 |
| Noninterest income to average assets | 0.9286% | 1,747 |
| Noninterest expense to average assets | 2.7673% | 4,718 |
| Loan and lease loss provision to assets | 0.1483% | 5,712 |
| Net operating income to assets | 0.9762% | 2,122 |
| Return on assets (ROA) | 1.0494% | 1,974 |
| Pretax return on assets | 1.3849% | 1,700 |
| Return on Equity (ROE) | 8.7323% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.7323% | 775 |
| Net charge-offs to loans | 0.0788% | 6,031 |
| Credit loss provision to net charge-offs | 359.3750% | 713 |
| Earnings coverage of net charge-offs (x) | 34.8281% | 653 |
| Efficiency ratio | 65.8234% | 5,004 |
| Assets per employee ($millions) | 3.4240% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1823% | 1,904 |
| Loan loss allowance to noncurrent loans | 696.4083% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,729 |
| Noncurrent loans to loans | 0.3134% | 6,427 |
| Net loans and leases to total assets | 49.7170% | 6,191 |
| Net loans and leases to deposits | 59.9683% | 6,063 |
| Net loans and leases to core deposits | 61.6179% | 6,265 |
| Total domestic deposits to total assets | 82.9055% | 4,832 |
| Equity capital to assets | 11.6349% | 2,168 |
| Core capital (leverage) ratio | 10.9645% | 2,189 |
| Tier 1 risk-based capital ratio | 17.1803% | 2,280 |
| Total risk-based capital ratio | 18.4102% | 2,249 |
| Memoranda: | ||
| Average total assets | $310,268,400 | 2,089 |
| Average earning assets | $279,410,200 | 2,116 |
| Average equity | $37,287,000 | 1,773 |
| Average total loans | $162,366,400 | 2,587 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 5,203 |
| Cost of funding earning assets | 1.2969% | 4,234 |
| Net interest margin | 3.6170% | 4,801 |
| Noninterest income to average assets | 0.8372% | 2,044 |
| Noninterest expense to average assets | 2.8245% | 4,376 |
| Loan and lease loss provision to assets | 0.0197% | 6,854 |
| Net operating income to assets | 0.9329% | 2,487 |
| Return on assets (ROA) | 1.0389% | 2,212 |
| Pretax return on assets | 1.3845% | 1,928 |
| Return on Equity (ROE) | 8.5704% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.5704% | 1,215 |
| Net charge-offs to loans | 0.0946% | 5,588 |
| Credit loss provision to net charge-offs | 39.4737% | 6,022 |
| Earnings coverage of net charge-offs (x) | 25.3239% | 997 |
| Efficiency ratio | 69.1032% | 4,244 |
| Assets per employee ($millions) | 3.3324% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,279 |
| Loan loss allowance to noncurrent loans | 457.2423% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,723 |
| Noncurrent loans to loans | 0.4328% | 6,330 |
| Net loans and leases to total assets | 50.3078% | 6,289 |
| Net loans and leases to deposits | 62.3629% | 6,080 |
| Net loans and leases to core deposits | 64.1725% | 6,291 |
| Total domestic deposits to total assets | 80.6695% | 5,487 |
| Equity capital to assets | 11.8488% | 2,252 |
| Core capital (leverage) ratio | 11.1220% | 2,180 |
| Tier 1 risk-based capital ratio | 17.3351% | 2,233 |
| Total risk-based capital ratio | 18.5771% | 2,193 |
| Memoranda: | ||
| Average total assets | $304,803,000 | 2,155 |
| Average earning assets | $273,883,750 | 2,186 |
| Average equity | $36,948,000 | 1,809 |
| Average total loans | $160,755,750 | 2,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 5,463 |
| Cost of funding earning assets | 1.3286% | 4,352 |
| Net interest margin | 3.5566% | 5,021 |
| Noninterest income to average assets | 0.8130% | 2,050 |
| Noninterest expense to average assets | 2.8467% | 4,275 |
| Loan and lease loss provision to assets | 0.0201% | 6,730 |
| Net operating income to assets | 0.8578% | 2,702 |
| Return on assets (ROA) | 1.0165% | 2,205 |
| Pretax return on assets | 1.3407% | 1,973 |
| Return on Equity (ROE) | 8.3184% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.3184% | 1,324 |
| Net charge-offs to loans | 0.0755% | 5,388 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 948 |
| Efficiency ratio | 71.1941% | 3,956 |
| Assets per employee ($millions) | 3.1725% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0056% | 2,166 |
| Loan loss allowance to noncurrent loans | 431.9896% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 6,516 |
| Noncurrent loans to loans | 0.4643% | 6,327 |
| Net loans and leases to total assets | 52.7467% | 6,137 |
| Net loans and leases to deposits | 64.7981% | 5,934 |
| Net loans and leases to core deposits | 66.7522% | 6,183 |
| Total domestic deposits to total assets | 81.4016% | 5,245 |
| Equity capital to assets | 12.1561% | 2,007 |
| Core capital (leverage) ratio | 11.4072% | 1,970 |
| Tier 1 risk-based capital ratio | 16.7730% | 2,371 |
| Total risk-based capital ratio | 18.0270% | 2,320 |
| Memoranda: | ||
| Average total assets | $298,657,330 | 2,208 |
| Average earning assets | $267,506,000 | 2,244 |
| Average equity | $36,497,330 | 1,821 |
| Average total loans | $159,041,670 | 2,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 5,683 |
| Cost of funding earning assets | 1.3431% | 4,543 |
| Net interest margin | 3.5088% | 5,119 |
| Noninterest income to average assets | 0.8242% | 1,916 |
| Noninterest expense to average assets | 2.9308% | 3,948 |
| Loan and lease loss provision to assets | 0.0204% | 6,439 |
| Net operating income to assets | 0.7572% | 3,174 |
| Return on assets (ROA) | 1.1233% | 1,836 |
| Pretax return on assets | 1.5055% | 1,497 |
| Return on Equity (ROE) | 9.1671% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.1671% | 1,354 |
| Net charge-offs to loans | -0.0539% | 7,365 |
| Credit loss provision to net charge-offs | -71.4286% | 6,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8520% | 3,596 |
| Assets per employee ($millions) | 3.0821% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1671% | 1,820 |
| Loan loss allowance to noncurrent loans | 484.6924% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 6,630 |
| Noncurrent loans to loans | 0.4471% | 6,408 |
| Net loans and leases to total assets | 51.1587% | 6,356 |
| Net loans and leases to deposits | 62.8266% | 6,190 |
| Net loans and leases to core deposits | 64.7757% | 6,396 |
| Total domestic deposits to total assets | 81.4283% | 5,299 |
| Equity capital to assets | 12.1890% | 1,940 |
| Core capital (leverage) ratio | 11.4792% | 1,922 |
| Tier 1 risk-based capital ratio | 17.2768% | 2,161 |
| Total risk-based capital ratio | 18.5346% | 2,114 |
| Memoranda: | ||
| Average total assets | $294,120,500 | 2,280 |
| Average earning assets | $263,562,500 | 2,326 |
| Average equity | $36,042,000 | 1,867 |
| Average total loans | $155,742,500 | 2,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1030% | 6,074 |
| Cost of funding earning assets | 1.5763% | 5,146 |
| Net interest margin | 3.5266% | 4,833 |
| Noninterest income to average assets | 1.0294% | 1,471 |
| Noninterest expense to average assets | 3.0806% | 3,832 |
| Loan and lease loss provision to assets | 0.1346% | 6,297 |
| Net operating income to assets | 0.7656% | 2,656 |
| Return on assets (ROA) | 1.0122% | 1,852 |
| Pretax return on assets | 1.2813% | 1,747 |
| Return on Equity (ROE) | 8.0080% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.2687% | 885 |
| Net charge-offs to loans | 0.1764% | 5,537 |
| Credit loss provision to net charge-offs | 136.8821% | 3,603 |
| Earnings coverage of net charge-offs (x) | 11.2281% | 1,609 |
| Efficiency ratio | 73.6222% | 3,971 |
| Assets per employee ($millions) | 2.8928% | 6,468 |
| Cash dividends to net income (ytd only)* | 9.2319% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 1,714 |
| Loan loss allowance to noncurrent loans | 359.6567% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 6,252 |
| Noncurrent loans to loans | 0.6007% | 6,040 |
| Net loans and leases to total assets | 52.4753% | 6,367 |
| Net loans and leases to deposits | 65.7114% | 6,081 |
| Net loans and leases to core deposits | 74.2746% | 6,519 |
| Total domestic deposits to total assets | 79.8572% | 5,713 |
| Equity capital to assets | 12.3215% | 1,838 |
| Core capital (leverage) ratio | 11.6217% | 1,855 |
| Tier 1 risk-based capital ratio | 17.1316% | 2,120 |
| Total risk-based capital ratio | 18.3644% | 2,082 |
| Memoranda: | ||
| Average total assets | $267,543,200 | 2,447 |
| Average earning assets | $239,350,600 | 2,504 |
| Average equity | $33,816,000 | 1,981 |
| Average total loans | $149,122,200 | 2,926 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 5,927 |
| Cost of funding earning assets | 1.6183% | 5,318 |
| Net interest margin | 3.5689% | 4,595 |
| Noninterest income to average assets | 1.0057% | 1,584 |
| Noninterest expense to average assets | 3.2235% | 3,222 |
| Loan and lease loss provision to assets | 0.0738% | 6,622 |
| Net operating income to assets | 0.7201% | 3,133 |
| Return on assets (ROA) | 0.9797% | 2,186 |
| Pretax return on assets | 1.2330% | 2,153 |
| Return on Equity (ROE) | 7.6978% | 2,769 |
| Retained earnings to average equity (ytd only) | 6.6986% | 1,634 |
| Net charge-offs to loans | 0.0976% | 5,695 |
| Credit loss provision to net charge-offs | 134.2593% | 3,711 |
| Earnings coverage of net charge-offs (x) | 17.8051% | 1,384 |
| Efficiency ratio | 76.7191% | 3,377 |
| Assets per employee ($millions) | 2.8354% | 6,569 |
| Cash dividends to net income (ytd only)* | 12.9804% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2331% | 1,371 |
| Loan loss allowance to noncurrent loans | 207.1743% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 5,685 |
| Noncurrent loans to loans | 1.0779% | 5,152 |
| Net loans and leases to total assets | 51.8680% | 6,610 |
| Net loans and leases to deposits | 64.6981% | 6,427 |
| Net loans and leases to core deposits | 72.8616% | 6,788 |
| Total domestic deposits to total assets | 80.1692% | 5,378 |
| Equity capital to assets | 12.5137% | 1,944 |
| Core capital (leverage) ratio | 11.9333% | 1,830 |
| Tier 1 risk-based capital ratio | 17.6130% | 2,095 |
| Total risk-based capital ratio | 18.8412% | 2,058 |
| Memoranda: | ||
| Average total assets | $262,110,250 | 2,510 |
| Average earning assets | $234,723,000 | 2,569 |
| Average equity | $33,359,250 | 2,037 |
| Average total loans | $147,615,250 | 2,988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 5,643 |
| Cost of funding earning assets | 1.6429% | 5,542 |
| Net interest margin | 3.6608% | 4,116 |
| Noninterest income to average assets | 1.0808% | 1,362 |
| Noninterest expense to average assets | 3.2672% | 3,092 |
| Loan and lease loss provision to assets | 0.1012% | 6,159 |
| Net operating income to assets | 0.7863% | 2,906 |
| Return on assets (ROA) | 0.9476% | 2,384 |
| Pretax return on assets | 1.1898% | 2,331 |
| Return on Equity (ROE) | 7.4008% | 3,028 |
| Retained earnings to average equity (ytd only) | 5.8805% | 2,076 |
| Net charge-offs to loans | 0.1111% | 5,049 |
| Credit loss provision to net charge-offs | 158.5366% | 2,901 |
| Earnings coverage of net charge-offs (x) | 17.0610% | 1,499 |
| Efficiency ratio | 74.9955% | 3,876 |
| Assets per employee ($millions) | 2.6858% | 6,866 |
| Cash dividends to net income (ytd only)* | 20.5423% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 1,195 |
| Loan loss allowance to noncurrent loans | 297.8359% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 6,278 |
| Noncurrent loans to loans | 0.7480% | 5,743 |
| Net loans and leases to total assets | 54.5170% | 6,379 |
| Net loans and leases to deposits | 67.8020% | 6,215 |
| Net loans and leases to core deposits | 76.6661% | 6,632 |
| Total domestic deposits to total assets | 80.4062% | 5,317 |
| Equity capital to assets | 12.6087% | 1,873 |
| Core capital (leverage) ratio | 12.2174% | 1,740 |
| Tier 1 risk-based capital ratio | 17.5368% | 2,135 |
| Total risk-based capital ratio | 18.7332% | 2,111 |
| Memoranda: | ||
| Average total assets | $256,856,670 | 2,566 |
| Average earning assets | $229,839,330 | 2,635 |
| Average equity | $32,888,330 | 2,066 |
| Average total loans | $147,681,000 | 3,024 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 5,089 |
| Cost of funding earning assets | 1.6766% | 5,711 |
| Net interest margin | 3.7887% | 3,498 |
| Noninterest income to average assets | 1.1096% | 1,204 |
| Noninterest expense to average assets | 3.2845% | 2,707 |
| Loan and lease loss provision to assets | 0.1189% | 5,444 |
| Net operating income to assets | 0.9023% | 2,697 |
| Return on assets (ROA) | 0.9543% | 2,628 |
| Pretax return on assets | 1.1619% | 2,758 |
| Return on Equity (ROE) | 7.3934% | 3,422 |
| Retained earnings to average equity (ytd only) | 4.3231% | 3,506 |
| Net charge-offs to loans | 0.1113% | 4,076 |
| Credit loss provision to net charge-offs | 182.9268% | 2,374 |
| Earnings coverage of net charge-offs (x) | 18.7317% | 1,452 |
| Efficiency ratio | 72.9577% | 4,013 |
| Assets per employee ($millions) | 2.5648% | 7,158 |
| Cash dividends to net income (ytd only)* | 41.5282% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2353% | 1,041 |
| Loan loss allowance to noncurrent loans | 335.6122% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 6,200 |
| Noncurrent loans to loans | 0.6660% | 5,739 |
| Net loans and leases to total assets | 56.0866% | 6,227 |
| Net loans and leases to deposits | 70.1001% | 5,969 |
| Net loans and leases to core deposits | 79.1560% | 6,448 |
| Total domestic deposits to total assets | 80.0094% | 5,363 |
| Equity capital to assets | 12.8490% | 1,808 |
| Core capital (leverage) ratio | 12.2948% | 1,761 |
| Tier 1 risk-based capital ratio | 17.3360% | 2,237 |
| Total risk-based capital ratio | 18.5383% | 2,194 |
| Memoranda: | ||
| Average total assets | $252,337,500 | 2,619 |
| Average earning assets | $225,934,500 | 2,700 |
| Average equity | $32,569,500 | 2,083 |
| Average total loans | $147,391,000 | 3,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4695% | 3,120 |
| Cost of funding earning assets | 2.0762% | 6,146 |
| Net interest margin | 4.3933% | 1,702 |
| Noninterest income to average assets | 1.1374% | 1,202 |
| Noninterest expense to average assets | 3.2583% | 3,127 |
| Loan and lease loss provision to assets | 0.2776% | 4,170 |
| Net operating income to assets | 1.1850% | 1,828 |
| Return on assets (ROA) | 1.1866% | 1,744 |
| Pretax return on assets | 1.5236% | 1,615 |
| Return on Equity (ROE) | 9.3233% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.3233% | 551 |
| Net charge-offs to loans | 0.0784% | 5,643 |
| Credit loss provision to net charge-offs | 568.9655% | 771 |
| Earnings coverage of net charge-offs (x) | 36.8707% | 1,002 |
| Efficiency ratio | 64.4265% | 5,469 |
| Assets per employee ($millions) | 2.4820% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 941 |
| Loan loss allowance to noncurrent loans | 453.3426% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 6,340 |
| Noncurrent loans to loans | 0.4863% | 5,889 |
| Net loans and leases to total assets | 58.1748% | 6,177 |
| Net loans and leases to deposits | 72.7046% | 5,979 |
| Net loans and leases to core deposits | 82.4291% | 6,419 |
| Total domestic deposits to total assets | 80.0153% | 5,018 |
| Equity capital to assets | 12.9672% | 1,806 |
| Core capital (leverage) ratio | 12.3432% | 1,807 |
| Tier 1 risk-based capital ratio | 17.4418% | 2,196 |
| Total risk-based capital ratio | 18.6512% | 2,147 |
| Memoranda: | ||
| Average total assets | $237,732,200 | 2,673 |
| Average earning assets | $212,117,000 | 2,749 |
| Average equity | $30,257,600 | 2,242 |
| Average total loans | $147,866,000 | 2,965 |