Home > PEOPLES BANK OF MIDDLE TENNESSEE > Performance and Condition Ratios
PEOPLES BANK OF MIDDLE TENNESSEE, 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 | 4.7530% | 2,568 |
| Cost of funding earning assets | 1.3269% | 2,436 |
| Net interest margin | 3.4261% | 2,349 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.1109% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0117% | 2,176 |
| Return on assets (ROA) | 1.0113% | 2,166 |
| Pretax return on assets | 1.4071% | 1,618 |
| Return on Equity (ROE) | 10.3500% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.3022% | 1,459 |
| Net charge-offs to loans | -0.0018% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.9935% | 3,079 |
| Assets per employee ($millions) | 7.6564% | 1,619 |
| Cash dividends to net income (ytd only)* | 19.7970% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 795 |
| Loan loss allowance to noncurrent loans | 348.1336% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 1,788 |
| Noncurrent loans to loans | 0.4670% | 1,615 |
| Net loans and leases to total assets | 60.8900% | 2,762 |
| Net loans and leases to deposits | 69.0895% | 2,945 |
| Net loans and leases to core deposits | 80.5672% | 2,677 |
| Total domestic deposits to total assets | 88.1300% | 1,301 |
| Equity capital to assets | 10.3772% | 1,796 |
| Core capital (leverage) ratio | 13.8755% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $175,324,000 | 3,163 |
| Average earning assets | $162,486,400 | 3,151 |
| Average equity | $17,128,000 | 3,083 |
| Average total loans | $108,436,600 | 3,084 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 2,634 |
| Cost of funding earning assets | 1.2293% | 2,335 |
| Net interest margin | 3.3908% | 2,474 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.1317% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9488% | 2,515 |
| Return on assets (ROA) | 0.9494% | 2,501 |
| Pretax return on assets | 1.3491% | 1,896 |
| Return on Equity (ROE) | 9.8700% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.8722% | 1,442 |
| Net charge-offs to loans | -0.0025% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.2557% | 2,811 |
| Assets per employee ($millions) | 6.7520% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 647 |
| Loan loss allowance to noncurrent loans | 382.4490% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 1,889 |
| Noncurrent loans to loans | 0.4555% | 1,686 |
| Net loans and leases to total assets | 60.2100% | 2,821 |
| Net loans and leases to deposits | 67.6013% | 3,008 |
| Net loans and leases to core deposits | 77.9536% | 2,746 |
| Total domestic deposits to total assets | 89.0700% | 1,221 |
| Equity capital to assets | 9.3545% | 2,196 |
| Core capital (leverage) ratio | 13.8758% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $175,130,500 | 3,175 |
| Average earning assets | $162,043,500 | 3,164 |
| Average equity | $16,841,500 | 3,093 |
| Average total loans | $108,297,250 | 3,083 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 2,660 |
| Cost of funding earning assets | 1.1181% | 2,219 |
| Net interest margin | 3.3741% | 2,589 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.1350% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9450% | 2,601 |
| Return on assets (ROA) | 0.9441% | 2,596 |
| Pretax return on assets | 1.3452% | 1,953 |
| Return on Equity (ROE) | 9.7300% | 2,783 |
| Retained earnings to average equity (ytd only) | 9.7283% | 1,481 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3263% | 2,804 |
| Assets per employee ($millions) | 7.1114% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 669 |
| Loan loss allowance to noncurrent loans | 374.8000% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 1,747 |
| Noncurrent loans to loans | 0.4692% | 1,538 |
| Net loans and leases to total assets | 61.3400% | 2,637 |
| Net loans and leases to deposits | 69.3379% | 2,836 |
| Net loans and leases to core deposits | 79.7436% | 2,487 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 10.0403% | 1,831 |
| Core capital (leverage) ratio | 13.6240% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $174,990,000 | 3,181 |
| Average earning assets | $162,238,000 | 3,176 |
| Average equity | $16,981,333 | 3,107 |
| Average total loans | $108,537,667 | 3,071 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,681 |
| Cost of funding earning assets | 0.9597% | 2,182 |
| Net interest margin | 3.3881% | 2,661 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.1112% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9705% | 2,625 |
| Return on assets (ROA) | 0.9687% | 2,591 |
| Pretax return on assets | 1.3683% | 1,963 |
| Return on Equity (ROE) | 10.1500% | 2,744 |
| Retained earnings to average equity (ytd only) | 10.1514% | 1,663 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6355% | 2,875 |
| Assets per employee ($millions) | 7.3827% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 764 |
| Loan loss allowance to noncurrent loans | 366.7319% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,717 |
| Noncurrent loans to loans | 0.4710% | 1,540 |
| Net loans and leases to total assets | 60.1700% | 2,631 |
| Net loans and leases to deposits | 67.7881% | 2,788 |
| Net loans and leases to core deposits | 76.0439% | 2,528 |
| Total domestic deposits to total assets | 88.7600% | 1,635 |
| Equity capital to assets | 9.7937% | 1,936 |
| Core capital (leverage) ratio | 13.1339% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $177,148,500 | 3,201 |
| Average earning assets | $164,221,000 | 3,203 |
| Average equity | $16,904,000 | 3,139 |
| Average total loans | $109,527,000 | 3,099 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 2,182 |
| Cost of funding earning assets | 0.4176% | 1,960 |
| Net interest margin | 3.4175% | 2,192 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.0161% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0770% | 2,274 |
| Return on assets (ROA) | 1.0770% | 2,216 |
| Pretax return on assets | 1.5017% | 1,452 |
| Return on Equity (ROE) | 10.6700% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.6993% | 1,570 |
| Net charge-offs to loans | -0.0019% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.3112% | 3,427 |
| Assets per employee ($millions) | 7.7005% | 1,488 |
| Cash dividends to net income (ytd only)* | 18.5029% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 811 |
| Loan loss allowance to noncurrent loans | 359.5010% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 1,680 |
| Noncurrent loans to loans | 0.4712% | 1,522 |
| Net loans and leases to total assets | 61.3700% | 2,506 |
| Net loans and leases to deposits | 68.6563% | 2,691 |
| Net loans and leases to core deposits | 75.8958% | 2,430 |
| Total domestic deposits to total assets | 89.3900% | 1,603 |
| Equity capital to assets | 9.2907% | 2,162 |
| Core capital (leverage) ratio | 13.2053% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $176,132,800 | 3,223 |
| Average earning assets | $164,035,800 | 3,211 |
| Average equity | $17,771,600 | 3,143 |
| Average total loans | $103,207,600 | 3,105 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 2,072 |
| Cost of funding earning assets | 0.3666% | 1,550 |
| Net interest margin | 3.3250% | 2,212 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0103% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0362% | 2,337 |
| Return on assets (ROA) | 1.0362% | 2,306 |
| Pretax return on assets | 1.4297% | 1,629 |
| Return on Equity (ROE) | 10.0700% | 2,700 |
| Retained earnings to average equity (ytd only) | 10.0693% | 1,324 |
| Net charge-offs to loans | -0.0026% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.4398% | 3,334 |
| Assets per employee ($millions) | 8.3338% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 700 |
| Loan loss allowance to noncurrent loans | 324.0484% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 1,618 |
| Noncurrent loans to loans | 0.5618% | 1,422 |
| Net loans and leases to total assets | 57.7100% | 2,731 |
| Net loans and leases to deposits | 64.3844% | 2,837 |
| Net loans and leases to core deposits | 67.0791% | 2,871 |
| Total domestic deposits to total assets | 89.6400% | 1,814 |
| Equity capital to assets | 8.9567% | 2,242 |
| Core capital (leverage) ratio | 12.8393% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $175,888,000 | 3,251 |
| Average earning assets | $164,004,750 | 3,235 |
| Average equity | $18,100,750 | 3,155 |
| Average total loans | $101,366,750 | 3,136 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 1,957 |
| Cost of funding earning assets | 0.3625% | 1,172 |
| Net interest margin | 3.1986% | 2,193 |
| Noninterest income to average assets | 0.3519% | 3,045 |
| Noninterest expense to average assets | 2.0138% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9592% | 2,317 |
| Return on assets (ROA) | 0.9592% | 2,294 |
| Pretax return on assets | 1.3327% | 1,633 |
| Return on Equity (ROE) | 8.9374% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.9374% | 1,305 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1764% | 3,273 |
| Assets per employee ($millions) | 8.1711% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 728 |
| Loan loss allowance to noncurrent loans | 401.5021% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 2,016 |
| Noncurrent loans to loans | 0.4628% | 1,727 |
| Net loans and leases to total assets | 54.9679% | 2,865 |
| Net loans and leases to deposits | 61.3688% | 2,940 |
| Net loans and leases to core deposits | 64.3125% | 2,941 |
| Total domestic deposits to total assets | 89.5697% | 1,909 |
| Equity capital to assets | 9.1842% | 2,244 |
| Core capital (leverage) ratio | 12.5274% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,181,000 | 3,276 |
| Average earning assets | $164,947,000 | 3,272 |
| Average equity | $18,909,333 | 3,158 |
| Average total loans | $100,863,667 | 3,175 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 1,337 |
| Cost of funding earning assets | 0.3713% | 1,048 |
| Net interest margin | 3.2998% | 1,562 |
| Noninterest income to average assets | 0.3532% | 2,979 |
| Noninterest expense to average assets | 2.1790% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9014% | 2,263 |
| Return on assets (ROA) | 0.9014% | 2,264 |
| Pretax return on assets | 1.2730% | 1,588 |
| Return on Equity (ROE) | 7.8174% | 2,749 |
| Retained earnings to average equity (ytd only) | 7.8174% | 1,634 |
| Net charge-offs to loans | -0.0119% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1229% | 3,131 |
| Assets per employee ($millions) | 7.5931% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9796% | 639 |
| Loan loss allowance to noncurrent loans | 386.0236% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,957 |
| Noncurrent loans to loans | 0.5128% | 1,740 |
| Net loans and leases to total assets | 55.5986% | 2,565 |
| Net loans and leases to deposits | 63.3299% | 2,587 |
| Net loans and leases to core deposits | 67.6924% | 2,479 |
| Total domestic deposits to total assets | 87.7921% | 2,625 |
| Equity capital to assets | 10.9453% | 1,355 |
| Core capital (leverage) ratio | 12.6635% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,389,000 | 3,312 |
| Average earning assets | $163,765,500 | 3,290 |
| Average equity | $20,109,000 | 3,134 |
| Average total loans | $100,953,500 | 3,172 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 1,960 |
| Cost of funding earning assets | 0.5254% | 807 |
| Net interest margin | 3.2354% | 2,501 |
| Noninterest income to average assets | 0.3626% | 3,260 |
| Noninterest expense to average assets | 2.1969% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8681% | 3,141 |
| Return on assets (ROA) | 0.8880% | 3,146 |
| Pretax return on assets | 1.2374% | 2,559 |
| Return on Equity (ROE) | 7.0179% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.3524% | 2,644 |
| Net charge-offs to loans | 0.0254% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 80.7600% | 993 |
| Efficiency ratio | 64.4417% | 2,490 |
| Assets per employee ($millions) | 7.5712% | 1,572 |
| Cash dividends to net income (ytd only)* | 23.7323% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 725 |
| Loan loss allowance to noncurrent loans | 389.8406% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 2,093 |
| Noncurrent loans to loans | 0.4881% | 1,906 |
| Net loans and leases to total assets | 57.9377% | 2,383 |
| Net loans and leases to deposits | 66.7829% | 2,432 |
| Net loans and leases to core deposits | 71.5859% | 2,295 |
| Total domestic deposits to total assets | 86.7553% | 2,594 |
| Equity capital to assets | 12.1186% | 1,206 |
| Core capital (leverage) ratio | 12.6414% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,555,600 | 3,332 |
| Average earning assets | $156,829,400 | 3,308 |
| Average equity | $21,074,800 | 3,129 |
| Average total loans | $98,593,800 | 3,215 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 2,147 |
| Cost of funding earning assets | 0.5673% | 755 |
| Net interest margin | 3.1819% | 2,785 |
| Noninterest income to average assets | 0.3862% | 3,174 |
| Noninterest expense to average assets | 2.1952% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8240% | 3,459 |
| Return on assets (ROA) | 0.8502% | 3,445 |
| Pretax return on assets | 1.2170% | 2,876 |
| Return on Equity (ROE) | 6.6451% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.6451% | 2,560 |
| Net charge-offs to loans | 0.0205% | 1,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 97.4667% | 882 |
| Efficiency ratio | 64.9653% | 2,252 |
| Assets per employee ($millions) | 7.4657% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 672 |
| Loan loss allowance to noncurrent loans | 391.8327% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 2,311 |
| Noncurrent loans to loans | 0.5031% | 2,052 |
| Net loans and leases to total assets | 56.9675% | 2,617 |
| Net loans and leases to deposits | 66.0946% | 2,622 |
| Net loans and leases to core deposits | 71.5870% | 2,458 |
| Total domestic deposits to total assets | 86.1908% | 2,674 |
| Equity capital to assets | 12.5303% | 1,157 |
| Core capital (leverage) ratio | 12.7587% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,660,250 | 3,383 |
| Average earning assets | $154,872,000 | 3,357 |
| Average equity | $21,067,750 | 3,162 |
| Average total loans | $97,530,250 | 3,280 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 2,324 |
| Cost of funding earning assets | 0.6159% | 684 |
| Net interest margin | 3.0861% | 3,074 |
| Noninterest income to average assets | 0.4005% | 3,106 |
| Noninterest expense to average assets | 2.2143% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7626% | 3,609 |
| Return on assets (ROA) | 0.7714% | 3,653 |
| Pretax return on assets | 1.1115% | 3,175 |
| Return on Equity (ROE) | 5.9852% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.9852% | 2,808 |
| Net charge-offs to loans | 0.0393% | 1,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,093 |
| Efficiency ratio | 66.8030% | 2,044 |
| Assets per employee ($millions) | 7.0862% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 582 |
| Loan loss allowance to noncurrent loans | 344.3860% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 2,193 |
| Noncurrent loans to loans | 0.5873% | 1,933 |
| Net loans and leases to total assets | 58.3439% | 2,618 |
| Net loans and leases to deposits | 67.9899% | 2,619 |
| Net loans and leases to core deposits | 74.0669% | 2,403 |
| Total domestic deposits to total assets | 85.8125% | 2,796 |
| Equity capital to assets | 12.9106% | 973 |
| Core capital (leverage) ratio | 12.8423% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,309,667 | 3,412 |
| Average earning assets | $153,265,667 | 3,380 |
| Average equity | $20,918,333 | 3,167 |
| Average total loans | $96,778,000 | 3,299 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 2,315 |
| Cost of funding earning assets | 0.6614% | 646 |
| Net interest margin | 3.0588% | 3,108 |
| Noninterest income to average assets | 0.3976% | 3,106 |
| Noninterest expense to average assets | 2.1855% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7653% | 3,530 |
| Return on assets (ROA) | 0.7828% | 3,542 |
| Pretax return on assets | 1.1236% | 3,055 |
| Return on Equity (ROE) | 6.0796% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.0796% | 2,862 |
| Net charge-offs to loans | 0.1366% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.5152% | 1,400 |
| Efficiency ratio | 66.4914% | 2,158 |
| Assets per employee ($millions) | 7.0898% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 606 |
| Loan loss allowance to noncurrent loans | 355.0091% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 2,451 |
| Noncurrent loans to loans | 0.5609% | 2,172 |
| Net loans and leases to total assets | 58.8268% | 2,701 |
| Net loans and leases to deposits | 68.3268% | 2,663 |
| Net loans and leases to core deposits | 74.2973% | 2,486 |
| Total domestic deposits to total assets | 86.0963% | 2,699 |
| Equity capital to assets | 12.6888% | 995 |
| Core capital (leverage) ratio | 12.8508% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,973,500 | 3,412 |
| Average earning assets | $153,003,500 | 3,386 |
| Average equity | $20,856,500 | 3,166 |
| Average total loans | $96,640,500 | 3,313 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 1,860 |
| Cost of funding earning assets | 0.8757% | 925 |
| Net interest margin | 3.4274% | 2,684 |
| Noninterest income to average assets | 0.5697% | 2,337 |
| Noninterest expense to average assets | 2.2739% | 3,478 |
| Loan and lease loss provision to assets | 0.0459% | 3,824 |
| Net operating income to assets | 1.0591% | 2,069 |
| Return on assets (ROA) | 1.0732% | 2,155 |
| Pretax return on assets | 1.4830% | 1,398 |
| Return on Equity (ROE) | 8.3046% | 2,686 |
| Retained earnings to average equity (ytd only) | 6.5737% | 1,562 |
| Net charge-offs to loans | -0.0049% | 4,123 |
| Credit loss provision to net charge-offs | -1,460.0000% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0775% | 3,447 |
| Assets per employee ($millions) | 6.9949% | 1,591 |
| Cash dividends to net income (ytd only)* | 20.8432% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 507 |
| Loan loss allowance to noncurrent loans | 354.5617% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 2,598 |
| Noncurrent loans to loans | 0.5859% | 2,235 |
| Net loans and leases to total assets | 58.0699% | 3,079 |
| Net loans and leases to deposits | 67.7005% | 3,110 |
| Net loans and leases to core deposits | 75.8404% | 2,742 |
| Total domestic deposits to total assets | 85.7747% | 2,462 |
| Equity capital to assets | 13.0667% | 1,062 |
| Core capital (leverage) ratio | 12.8262% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,914,400 | 3,317 |
| Average earning assets | $147,194,400 | 3,297 |
| Average equity | $20,277,800 | 3,164 |
| Average total loans | $101,358,800 | 3,208 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 1,828 |
| Cost of funding earning assets | 0.9218% | 992 |
| Net interest margin | 3.4876% | 2,631 |
| Noninterest income to average assets | 0.6080% | 2,145 |
| Noninterest expense to average assets | 2.3438% | 3,302 |
| Loan and lease loss provision to assets | 0.0622% | 3,565 |
| Net operating income to assets | 1.0475% | 2,154 |
| Return on assets (ROA) | 1.0475% | 2,283 |
| Pretax return on assets | 1.4725% | 1,506 |
| Return on Equity (ROE) | 8.1292% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.1292% | 1,262 |
| Net charge-offs to loans | 0.0013% | 3,172 |
| Credit loss provision to net charge-offs | 7,300.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 1,795.0000% | 63 |
| Efficiency ratio | 60.4277% | 3,327 |
| Assets per employee ($millions) | 6.8584% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 521 |
| Loan loss allowance to noncurrent loans | 350.1773% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 2,717 |
| Noncurrent loans to loans | 0.5630% | 2,389 |
| Net loans and leases to total assets | 62.2591% | 2,977 |
| Net loans and leases to deposits | 72.9356% | 3,040 |
| Net loans and leases to core deposits | 81.3738% | 2,712 |
| Total domestic deposits to total assets | 85.3617% | 2,295 |
| Equity capital to assets | 13.2442% | 1,085 |
| Core capital (leverage) ratio | 12.8821% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,922,500 | 3,308 |
| Average earning assets | $146,229,500 | 3,289 |
| Average equity | $20,091,750 | 3,174 |
| Average total loans | $102,847,000 | 3,203 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,839 |
| Cost of funding earning assets | 0.9730% | 1,061 |
| Net interest margin | 3.5538% | 2,626 |
| Noninterest income to average assets | 0.7224% | 1,660 |
| Noninterest expense to average assets | 2.4286% | 3,180 |
| Loan and lease loss provision to assets | 0.0940% | 3,097 |
| Net operating income to assets | 1.0842% | 2,020 |
| Return on assets (ROA) | 1.0842% | 2,143 |
| Pretax return on assets | 1.5298% | 1,387 |
| Return on Equity (ROE) | 8.4943% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.4943% | 1,162 |
| Net charge-offs to loans | -0.0019% | 3,815 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9301% | 3,419 |
| Assets per employee ($millions) | 6.5983% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 462 |
| Loan loss allowance to noncurrent loans | 329.1181% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 2,778 |
| Noncurrent loans to loans | 0.5981% | 2,354 |
| Net loans and leases to total assets | 62.2017% | 3,106 |
| Net loans and leases to deposits | 72.5811% | 3,207 |
| Net loans and leases to core deposits | 80.7288% | 2,893 |
| Total domestic deposits to total assets | 85.6996% | 2,123 |
| Equity capital to assets | 12.9844% | 1,172 |
| Core capital (leverage) ratio | 12.8719% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,315,333 | 3,301 |
| Average earning assets | $145,534,000 | 3,272 |
| Average equity | $19,825,000 | 3,189 |
| Average total loans | $103,734,333 | 3,180 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 1,626 |
| Cost of funding earning assets | 1.0351% | 1,281 |
| Net interest margin | 3.6923% | 2,351 |
| Noninterest income to average assets | 0.3849% | 3,203 |
| Noninterest expense to average assets | 2.5151% | 3,232 |
| Loan and lease loss provision to assets | 0.0234% | 3,514 |
| Net operating income to assets | 0.9519% | 2,341 |
| Return on assets (ROA) | 0.9519% | 2,443 |
| Pretax return on assets | 1.2978% | 1,878 |
| Return on Equity (ROE) | 7.5245% | 2,725 |
| Retained earnings to average equity (ytd only) | 7.5245% | 1,372 |
| Net charge-offs to loans | 0.0038% | 2,446 |
| Credit loss provision to net charge-offs | 900.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 508.0000% | 122 |
| Efficiency ratio | 65.5593% | 3,020 |
| Assets per employee ($millions) | 6.4121% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 691 |
| Loan loss allowance to noncurrent loans | 307.8905% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 2,839 |
| Noncurrent loans to loans | 0.5895% | 2,529 |
| Net loans and leases to total assets | 67.2129% | 2,670 |
| Net loans and leases to deposits | 78.3259% | 2,850 |
| Net loans and leases to core deposits | 90.8599% | 2,268 |
| Total domestic deposits to total assets | 85.8119% | 2,084 |
| Equity capital to assets | 12.8377% | 1,528 |
| Core capital (leverage) ratio | 12.8460% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,793,500 | 3,280 |
| Average earning assets | $143,758,000 | 3,257 |
| Average equity | $19,456,500 | 3,220 |
| Average total loans | $105,361,500 | 3,149 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 1,591 |
| Cost of funding earning assets | 1.0876% | 1,375 |
| Net interest margin | 3.8706% | 2,271 |
| Noninterest income to average assets | 0.4049% | 3,269 |
| Noninterest expense to average assets | 2.4298% | 3,617 |
| Loan and lease loss provision to assets | 0.0292% | 3,428 |
| Net operating income to assets | 1.1282% | 2,345 |
| Return on assets (ROA) | 1.1282% | 2,439 |
| Pretax return on assets | 1.5792% | 1,546 |
| Return on Equity (ROE) | 9.5307% | 2,506 |
| Retained earnings to average equity (ytd only) | 7.6037% | 1,117 |
| Net charge-offs to loans | 0.1042% | 1,685 |
| Credit loss provision to net charge-offs | 39.1304% | 3,209 |
| Earnings coverage of net charge-offs (x) | 21.5217% | 1,884 |
| Efficiency ratio | 60.1706% | 3,667 |
| Assets per employee ($millions) | 6.4040% | 1,352 |
| Cash dividends to net income (ytd only)* | 20.2189% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 648 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 2,807 |
| Noncurrent loans to loans | 0.5808% | 2,444 |
| Net loans and leases to total assets | 67.3227% | 2,785 |
| Net loans and leases to deposits | 77.9881% | 3,004 |
| Net loans and leases to core deposits | 92.4105% | 2,202 |
| Total domestic deposits to total assets | 86.3244% | 1,923 |
| Equity capital to assets | 12.4641% | 1,844 |
| Core capital (leverage) ratio | 12.4787% | 1,496 |
| Tier 1 risk-based capital ratio | 17.0820% | 2,027 |
| Total risk-based capital ratio | 18.3376% | 1,960 |
| Memoranda: | ||
| Average total assets | $153,879,600 | 3,253 |
| Average earning assets | $144,448,200 | 3,227 |
| Average equity | $18,214,800 | 3,319 |
| Average total loans | $110,312,200 | 3,081 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 1,565 |
| Cost of funding earning assets | 1.0811% | 1,425 |
| Net interest margin | 3.9100% | 2,216 |
| Noninterest income to average assets | 0.4106% | 3,255 |
| Noninterest expense to average assets | 2.4591% | 3,541 |
| Loan and lease loss provision to assets | 0.0217% | 3,483 |
| Net operating income to assets | 1.1339% | 2,436 |
| Return on assets (ROA) | 1.1339% | 2,526 |
| Pretax return on assets | 1.5981% | 1,642 |
| Return on Equity (ROE) | 9.7072% | 2,566 |
| Retained earnings to average equity (ytd only) | 7.1043% | 1,816 |
| Net charge-offs to loans | 0.1100% | 1,368 |
| Credit loss provision to net charge-offs | 27.1739% | 2,932 |
| Earnings coverage of net charge-offs (x) | 20.3267% | 1,964 |
| Efficiency ratio | 60.2888% | 3,585 |
| Assets per employee ($millions) | 5.9304% | 1,651 |
| Cash dividends to net income (ytd only)* | 26.8145% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 685 |
| Loan loss allowance to noncurrent loans | 308.4142% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 2,903 |
| Noncurrent loans to loans | 0.5826% | 2,538 |
| Net loans and leases to total assets | 67.5630% | 2,856 |
| Net loans and leases to deposits | 78.0362% | 3,091 |
| Net loans and leases to core deposits | 93.5976% | 2,213 |
| Total domestic deposits to total assets | 86.5790% | 1,733 |
| Equity capital to assets | 12.1233% | 2,168 |
| Core capital (leverage) ratio | 12.1040% | 1,787 |
| Tier 1 risk-based capital ratio | 16.5737% | 2,239 |
| Total risk-based capital ratio | 17.8295% | 2,163 |
| Memoranda: | ||
| Average total assets | $153,925,250 | 3,284 |
| Average earning assets | $144,413,000 | 3,257 |
| Average equity | $17,979,250 | 3,364 |
| Average total loans | $111,546,000 | 3,093 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 1,565 |
| Cost of funding earning assets | 1.0570% | 1,464 |
| Net interest margin | 3.9134% | 2,206 |
| Noninterest income to average assets | 0.3588% | 3,528 |
| Noninterest expense to average assets | 2.5365% | 3,364 |
| Loan and lease loss provision to assets | 0.0182% | 3,422 |
| Net operating income to assets | 1.0362% | 2,780 |
| Return on assets (ROA) | 1.0362% | 2,854 |
| Pretax return on assets | 1.4769% | 1,928 |
| Return on Equity (ROE) | 8.9847% | 2,858 |
| Retained earnings to average equity (ytd only) | 5.0278% | 2,758 |
| Net charge-offs to loans | 0.1394% | 1,092 |
| Credit loss provision to net charge-offs | 17.7215% | 2,671 |
| Earnings coverage of net charge-offs (x) | 14.5570% | 2,028 |
| Efficiency ratio | 62.9152% | 3,299 |
| Assets per employee ($millions) | 5.9871% | 1,552 |
| Cash dividends to net income (ytd only)* | 44.0402% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 877 |
| Loan loss allowance to noncurrent loans | 307.2464% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 2,908 |
| Noncurrent loans to loans | 0.5427% | 2,643 |
| Net loans and leases to total assets | 72.2871% | 2,175 |
| Net loans and leases to deposits | 82.9996% | 2,611 |
| Net loans and leases to core deposits | 100.5756% | 1,670 |
| Total domestic deposits to total assets | 87.0934% | 1,557 |
| Equity capital to assets | 11.6777% | 2,464 |
| Core capital (leverage) ratio | 11.8516% | 1,914 |
| Tier 1 risk-based capital ratio | 15.0487% | 2,819 |
| Total risk-based capital ratio | 16.3026% | 2,737 |
| Memoranda: | ||
| Average total assets | $153,836,670 | 3,303 |
| Average earning assets | $144,375,330 | 3,279 |
| Average equity | $17,741,330 | 3,389 |
| Average total loans | $113,367,330 | 3,082 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,609 |
| Cost of funding earning assets | 1.0116% | 1,525 |
| Net interest margin | 3.8819% | 2,247 |
| Noninterest income to average assets | 0.3479% | 3,532 |
| Noninterest expense to average assets | 2.5346% | 3,406 |
| Loan and lease loss provision to assets | 0.0209% | 3,167 |
| Net operating income to assets | 0.9783% | 2,929 |
| Return on assets (ROA) | 0.9783% | 2,972 |
| Pretax return on assets | 1.4360% | 1,970 |
| Return on Equity (ROE) | 8.5374% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.5374% | 1,476 |
| Net charge-offs to loans | 0.0496% | 1,573 |
| Credit loss provision to net charge-offs | 57.1429% | 1,926 |
| Earnings coverage of net charge-offs (x) | 39.7857% | 1,158 |
| Efficiency ratio | 63.4993% | 3,315 |
| Assets per employee ($millions) | 6.2117% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 808 |
| Loan loss allowance to noncurrent loans | 276.7932% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 2,764 |
| Noncurrent loans to loans | 0.6244% | 2,452 |
| Net loans and leases to total assets | 72.0591% | 2,151 |
| Net loans and leases to deposits | 82.5413% | 2,556 |
| Net loans and leases to core deposits | 101.1224% | 1,529 |
| Total domestic deposits to total assets | 87.3007% | 1,663 |
| Equity capital to assets | 11.4764% | 2,421 |
| Core capital (leverage) ratio | 12.1041% | 1,709 |
| Tier 1 risk-based capital ratio | 14.9307% | 2,907 |
| Total risk-based capital ratio | 16.1855% | 2,833 |
| Memoranda: | ||
| Average total assets | $152,923,000 | 3,356 |
| Average earning assets | $143,537,000 | 3,328 |
| Average equity | $17,523,000 | 3,411 |
| Average total loans | $112,834,500 | 3,115 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 948 |
| Cost of funding earning assets | 0.7970% | 1,538 |
| Net interest margin | 4.2496% | 1,280 |
| Noninterest income to average assets | 0.4644% | 3,027 |
| Noninterest expense to average assets | 2.6157% | 3,288 |
| Loan and lease loss provision to assets | 0.0624% | 2,911 |
| Net operating income to assets | 1.2773% | 1,888 |
| Return on assets (ROA) | 1.2773% | 1,882 |
| Pretax return on assets | 1.7485% | 1,051 |
| Return on Equity (ROE) | 11.4197% | 1,927 |
| Retained earnings to average equity (ytd only) | 8.2314% | 1,139 |
| Net charge-offs to loans | 0.0452% | 2,529 |
| Credit loss provision to net charge-offs | 187.7551% | 1,518 |
| Earnings coverage of net charge-offs (x) | 54.5102% | 1,086 |
| Efficiency ratio | 59.0902% | 3,999 |
| Assets per employee ($millions) | 6.2731% | 1,341 |
| Cash dividends to net income (ytd only)* | 27.9193% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 730 |
| Loan loss allowance to noncurrent loans | 278.4203% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,679 |
| Noncurrent loans to loans | 0.6342% | 2,399 |
| Net loans and leases to total assets | 72.9472% | 2,110 |
| Net loans and leases to deposits | 83.3580% | 2,585 |
| Net loans and leases to core deposits | 100.5088% | 1,679 |
| Total domestic deposits to total assets | 87.5108% | 1,528 |
| Equity capital to assets | 11.4404% | 2,301 |
| Core capital (leverage) ratio | 12.0201% | 1,725 |
| Tier 1 risk-based capital ratio | 15.0684% | 2,799 |
| Total risk-based capital ratio | 16.3241% | 2,729 |
| Memoranda: | ||
| Average total assets | $147,495,800 | 3,412 |
| Average earning assets | $137,519,800 | 3,390 |
| Average equity | $16,497,800 | 3,461 |
| Average total loans | $108,323,400 | 3,161 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 930 |
| Cost of funding earning assets | 0.7506% | 1,581 |
| Net interest margin | 4.2597% | 1,212 |
| Noninterest income to average assets | 0.4707% | 3,039 |
| Noninterest expense to average assets | 2.5970% | 3,286 |
| Loan and lease loss provision to assets | 0.0727% | 2,503 |
| Net operating income to assets | 1.3012% | 1,849 |
| Return on assets (ROA) | 1.3012% | 1,851 |
| Pretax return on assets | 1.7665% | 1,095 |
| Return on Equity (ROE) | 11.7018% | 1,907 |
| Retained earnings to average equity (ytd only) | 8.8335% | 1,289 |
| Net charge-offs to loans | 0.0558% | 2,019 |
| Credit loss provision to net charge-offs | 177.7778% | 1,513 |
| Earnings coverage of net charge-offs (x) | 44.9767% | 1,256 |
| Efficiency ratio | 58.5416% | 4,032 |
| Assets per employee ($millions) | 6.2138% | 1,343 |
| Cash dividends to net income (ytd only)* | 24.5112% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 676 |
| Loan loss allowance to noncurrent loans | 292.9955% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 2,888 |
| Noncurrent loans to loans | 0.6251% | 2,526 |
| Net loans and leases to total assets | 70.6620% | 2,546 |
| Net loans and leases to deposits | 80.6550% | 2,967 |
| Net loans and leases to core deposits | 92.2201% | 2,453 |
| Total domestic deposits to total assets | 87.6102% | 1,437 |
| Equity capital to assets | 11.2143% | 2,461 |
| Core capital (leverage) ratio | 11.5919% | 2,096 |
| Tier 1 risk-based capital ratio | 15.1541% | 2,815 |
| Total risk-based capital ratio | 16.4101% | 2,731 |
| Memoranda: | ||
| Average total assets | $146,731,250 | 3,460 |
| Average earning assets | $136,595,250 | 3,446 |
| Average equity | $16,316,250 | 3,503 |
| Average total loans | $107,454,500 | 3,203 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 974 |
| Cost of funding earning assets | 0.6939% | 1,655 |
| Net interest margin | 4.2255% | 1,221 |
| Noninterest income to average assets | 0.4687% | 3,043 |
| Noninterest expense to average assets | 2.6259% | 3,238 |
| Loan and lease loss provision to assets | 0.0809% | 2,293 |
| Net operating income to assets | 1.2513% | 1,974 |
| Return on assets (ROA) | 1.2513% | 1,975 |
| Pretax return on assets | 1.6926% | 1,232 |
| Return on Equity (ROE) | 11.2853% | 1,998 |
| Retained earnings to average equity (ytd only) | 6.9591% | 2,092 |
| Net charge-offs to loans | 0.0595% | 1,755 |
| Credit loss provision to net charge-offs | 184.3750% | 1,381 |
| Earnings coverage of net charge-offs (x) | 40.4375% | 1,284 |
| Efficiency ratio | 59.6885% | 3,974 |
| Assets per employee ($millions) | 6.1941% | 1,333 |
| Cash dividends to net income (ytd only)* | 38.3352% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8288% | 714 |
| Loan loss allowance to noncurrent loans | 318.0195% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 3,066 |
| Noncurrent loans to loans | 0.5751% | 2,697 |
| Net loans and leases to total assets | 70.7397% | 2,468 |
| Net loans and leases to deposits | 80.4352% | 2,903 |
| Net loans and leases to core deposits | 94.3597% | 2,193 |
| Total domestic deposits to total assets | 87.9462% | 1,407 |
| Equity capital to assets | 10.9775% | 2,656 |
| Core capital (leverage) ratio | 11.6674% | 1,928 |
| Tier 1 risk-based capital ratio | 14.9774% | 2,886 |
| Total risk-based capital ratio | 16.2338% | 2,806 |
| Memoranda: | ||
| Average total assets | $145,931,330 | 3,490 |
| Average earning assets | $135,747,330 | 3,475 |
| Average equity | $16,180,330 | 3,536 |
| Average total loans | $107,491,000 | 3,212 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 979 |
| Cost of funding earning assets | 0.6374% | 1,793 |
| Net interest margin | 4.2118% | 1,151 |
| Noninterest income to average assets | 0.4925% | 2,851 |
| Noninterest expense to average assets | 2.6673% | 3,141 |
| Loan and lease loss provision to assets | 0.1024% | 1,817 |
| Net operating income to assets | 1.1676% | 2,146 |
| Return on assets (ROA) | 1.1676% | 2,158 |
| Pretax return on assets | 1.6352% | 1,283 |
| Return on Equity (ROE) | 10.4773% | 2,187 |
| Retained earnings to average equity (ytd only) | 10.4773% | 1,022 |
| Net charge-offs to loans | 0.0111% | 2,347 |
| Credit loss provision to net charge-offs | 1,233.3333% | 291 |
| Earnings coverage of net charge-offs (x) | 209.3333% | 324 |
| Efficiency ratio | 60.5528% | 3,993 |
| Assets per employee ($millions) | 6.3448% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 756 |
| Loan loss allowance to noncurrent loans | 282.7338% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,948 |
| Noncurrent loans to loans | 0.6431% | 2,615 |
| Net loans and leases to total assets | 72.7090% | 2,059 |
| Net loans and leases to deposits | 82.8829% | 2,511 |
| Net loans and leases to core deposits | 97.7062% | 1,852 |
| Total domestic deposits to total assets | 87.7250% | 1,776 |
| Equity capital to assets | 11.1169% | 2,462 |
| Core capital (leverage) ratio | 11.8745% | 1,735 |
| Tier 1 risk-based capital ratio | 14.6682% | 3,042 |
| Total risk-based capital ratio | 15.9240% | 2,949 |
| Memoranda: | ||
| Average total assets | $144,567,500 | 3,539 |
| Average earning assets | $134,288,500 | 3,530 |
| Average equity | $16,111,000 | 3,575 |
| Average total loans | $107,676,500 | 3,237 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 671 |
| Cost of funding earning assets | 0.6412% | 1,350 |
| Net interest margin | 4.3417% | 881 |
| Noninterest income to average assets | 0.4818% | 3,117 |
| Noninterest expense to average assets | 2.7579% | 2,931 |
| Loan and lease loss provision to assets | 0.2661% | 680 |
| Net operating income to assets | 0.7412% | 3,420 |
| Return on assets (ROA) | 0.7417% | 3,462 |
| Pretax return on assets | 1.5117% | 1,592 |
| Return on Equity (ROE) | 6.7910% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.5695% | 2,411 |
| Net charge-offs to loans | 0.0796% | 2,310 |
| Credit loss provision to net charge-offs | 442.5287% | 708 |
| Earnings coverage of net charge-offs (x) | 29.5517% | 1,565 |
| Efficiency ratio | 60.8139% | 4,139 |
| Assets per employee ($millions) | 5.9668% | 1,537 |
| Cash dividends to net income (ytd only)* | 32.7120% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 779 |
| Loan loss allowance to noncurrent loans | 243.1990% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 2,702 |
| Noncurrent loans to loans | 0.7401% | 2,357 |
| Net loans and leases to total assets | 73.5678% | 1,992 |
| Net loans and leases to deposits | 83.7470% | 2,521 |
| Net loans and leases to core deposits | 96.6514% | 1,972 |
| Total domestic deposits to total assets | 87.8453% | 1,587 |
| Equity capital to assets | 11.1722% | 2,460 |
| Core capital (leverage) ratio | 11.3976% | 2,014 |
| Tier 1 risk-based capital ratio | 14.4668% | 3,106 |
| Total risk-based capital ratio | 15.7232% | 3,023 |
| Memoranda: | ||
| Average total assets | $144,674,400 | 3,545 |
| Average earning assets | $135,061,600 | 3,526 |
| Average equity | $15,800,400 | 3,627 |
| Average total loans | $109,310,400 | 3,195 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 723 |
| Cost of funding earning assets | 0.6393% | 1,313 |
| Net interest margin | 4.2834% | 964 |
| Noninterest income to average assets | 0.4798% | 3,151 |
| Noninterest expense to average assets | 2.6189% | 3,351 |
| Loan and lease loss provision to assets | 0.2693% | 615 |
| Net operating income to assets | 1.0152% | 2,495 |
| Return on assets (ROA) | 1.0158% | 2,524 |
| Pretax return on assets | 1.6023% | 1,413 |
| Return on Equity (ROE) | 9.3538% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.3826% | 2,020 |
| Net charge-offs to loans | 0.0716% | 2,102 |
| Credit loss provision to net charge-offs | 496.6102% | 648 |
| Earnings coverage of net charge-offs (x) | 34.4936% | 1,439 |
| Efficiency ratio | 58.3333% | 4,458 |
| Assets per employee ($millions) | 6.0647% | 1,446 |
| Cash dividends to net income (ytd only)* | 31.7647% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 1,048 |
| Loan loss allowance to noncurrent loans | 160.4471% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 2,146 |
| Noncurrent loans to loans | 1.0548% | 1,831 |
| Net loans and leases to total assets | 74.4717% | 1,844 |
| Net loans and leases to deposits | 84.8938% | 2,450 |
| Net loans and leases to core deposits | 98.6611% | 1,832 |
| Total domestic deposits to total assets | 87.7233% | 1,506 |
| Equity capital to assets | 11.1397% | 2,726 |
| Core capital (leverage) ratio | 11.2136% | 2,258 |
| Tier 1 risk-based capital ratio | 13.9051% | 3,492 |
| Total risk-based capital ratio | 15.1597% | 3,418 |
| Memoranda: | ||
| Average total assets | $145,042,000 | 3,568 |
| Average earning assets | $135,776,250 | 3,536 |
| Average equity | $15,750,750 | 3,663 |
| Average total loans | $109,817,250 | 3,210 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 713 |
| Cost of funding earning assets | 0.6356% | 1,225 |
| Net interest margin | 4.2523% | 969 |
| Noninterest income to average assets | 0.4804% | 3,146 |
| Noninterest expense to average assets | 2.6396% | 3,312 |
| Loan and lease loss provision to assets | 0.2692% | 595 |
| Net operating income to assets | 0.8849% | 2,991 |
| Return on assets (ROA) | 0.8849% | 3,049 |
| Pretax return on assets | 1.5434% | 1,514 |
| Return on Equity (ROE) | 8.2199% | 2,902 |
| Retained earnings to average equity (ytd only) | 3.7316% | 3,480 |
| Net charge-offs to loans | 0.0784% | 1,839 |
| Credit loss provision to net charge-offs | 453.4884% | 715 |
| Earnings coverage of net charge-offs (x) | 30.5349% | 1,449 |
| Efficiency ratio | 59.2868% | 4,427 |
| Assets per employee ($millions) | 6.3290% | 1,242 |
| Cash dividends to net income (ytd only)* | 54.6022% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 1,208 |
| Loan loss allowance to noncurrent loans | 155.4007% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 2,237 |
| Noncurrent loans to loans | 1.0442% | 1,882 |
| Net loans and leases to total assets | 74.2991% | 1,810 |
| Net loans and leases to deposits | 84.3268% | 2,429 |
| Net loans and leases to core deposits | 100.1695% | 1,638 |
| Total domestic deposits to total assets | 88.1086% | 1,405 |
| Equity capital to assets | 10.8445% | 2,972 |
| Core capital (leverage) ratio | 11.0258% | 2,381 |
| Tier 1 risk-based capital ratio | 13.1267% | 3,928 |
| Total risk-based capital ratio | 14.3796% | 3,834 |
| Memoranda: | ||
| Average total assets | $144,872,000 | 3,584 |
| Average earning assets | $135,314,000 | 3,568 |
| Average equity | $15,596,330 | 3,690 |
| Average total loans | $109,669,330 | 3,228 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 672 |
| Cost of funding earning assets | 0.6287% | 1,196 |
| Net interest margin | 4.2345% | 918 |
| Noninterest income to average assets | 0.4511% | 3,308 |
| Noninterest expense to average assets | 2.6542% | 3,297 |
| Loan and lease loss provision to assets | 0.2712% | 534 |
| Net operating income to assets | 0.8912% | 2,807 |
| Return on assets (ROA) | 0.8912% | 2,852 |
| Pretax return on assets | 1.4780% | 1,612 |
| Return on Equity (ROE) | 8.3089% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.3089% | 1,339 |
| Net charge-offs to loans | 0.0511% | 1,837 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 951 |
| Efficiency ratio | 60.2766% | 4,421 |
| Assets per employee ($millions) | 6.0422% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,505 |
| Loan loss allowance to noncurrent loans | 139.7718% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 2,185 |
| Noncurrent loans to loans | 1.1101% | 1,841 |
| Net loans and leases to total assets | 75.0374% | 1,570 |
| Net loans and leases to deposits | 85.1986% | 2,131 |
| Net loans and leases to core deposits | 103.1755% | 1,281 |
| Total domestic deposits to total assets | 88.0735% | 1,678 |
| Equity capital to assets | 10.8301% | 2,822 |
| Core capital (leverage) ratio | 11.1118% | 2,265 |
| Tier 1 risk-based capital ratio | 13.1078% | 4,023 |
| Total risk-based capital ratio | 14.3613% | 3,919 |
| Memoranda: | ||
| Average total assets | $144,524,500 | 3,626 |
| Average earning assets | $134,890,500 | 3,609 |
| Average equity | $15,501,500 | 3,726 |
| Average total loans | $109,534,500 | 3,253 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 360 |
| Cost of funding earning assets | 0.6150% | 1,238 |
| Net interest margin | 4.6788% | 437 |
| Noninterest income to average assets | 0.5242% | 3,067 |
| Noninterest expense to average assets | 2.8168% | 2,972 |
| Loan and lease loss provision to assets | 0.3162% | 588 |
| Net operating income to assets | 1.0655% | 2,059 |
| Return on assets (ROA) | 1.0655% | 2,167 |
| Pretax return on assets | 1.7088% | 980 |
| Return on Equity (ROE) | 9.1319% | 2,355 |
| Retained earnings to average equity (ytd only) | 6.8058% | 1,304 |
| Net charge-offs to loans | 0.1228% | 2,033 |
| Credit loss provision to net charge-offs | 335.2459% | 903 |
| Earnings coverage of net charge-offs (x) | 21.4672% | 1,782 |
| Efficiency ratio | 58.1763% | 4,824 |
| Assets per employee ($millions) | 6.0015% | 1,484 |
| Cash dividends to net income (ytd only)* | 25.4717% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,651 |
| Loan loss allowance to noncurrent loans | 132.7909% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8533% | 2,215 |
| Noncurrent loans to loans | 1.1323% | 1,813 |
| Net loans and leases to total assets | 74.2231% | 1,812 |
| Net loans and leases to deposits | 83.9073% | 2,429 |
| Net loans and leases to core deposits | 102.6964% | 1,391 |
| Total domestic deposits to total assets | 88.4584% | 1,399 |
| Equity capital to assets | 10.6210% | 3,016 |
| Core capital (leverage) ratio | 10.8779% | 2,462 |
| Tier 1 risk-based capital ratio | 12.8661% | 4,155 |
| Total risk-based capital ratio | 14.1179% | 4,047 |
| Memoranda: | ||
| Average total assets | $129,329,800 | 3,844 |
| Average earning assets | $119,346,000 | 3,839 |
| Average equity | $15,090,000 | 3,798 |
| Average total loans | $99,375,400 | 3,396 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 315 |
| Cost of funding earning assets | 0.5963% | 1,358 |
| Net interest margin | 4.7777% | 377 |
| Noninterest income to average assets | 0.5390% | 2,986 |
| Noninterest expense to average assets | 2.8310% | 2,903 |
| Loan and lease loss provision to assets | 0.3056% | 549 |
| Net operating income to assets | 1.0505% | 2,198 |
| Return on assets (ROA) | 1.0505% | 2,324 |
| Pretax return on assets | 1.7975% | 905 |
| Return on Equity (ROE) | 8.7776% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.6655% | 2,381 |
| Net charge-offs to loans | 0.0646% | 2,422 |
| Credit loss provision to net charge-offs | 612.7660% | 605 |
| Earnings coverage of net charge-offs (x) | 42.1669% | 1,196 |
| Efficiency ratio | 57.3763% | 4,908 |
| Assets per employee ($millions) | 5.9254% | 1,492 |
| Cash dividends to net income (ytd only)* | 35.4546% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,863 |
| Loan loss allowance to noncurrent loans | 112.2348% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 2,085 |
| Noncurrent loans to loans | 1.3144% | 1,687 |
| Net loans and leases to total assets | 74.5333% | 1,783 |
| Net loans and leases to deposits | 84.5651% | 2,423 |
| Net loans and leases to core deposits | 104.1117% | 1,337 |
| Total domestic deposits to total assets | 88.1372% | 1,336 |
| Equity capital to assets | 10.8003% | 3,242 |
| Core capital (leverage) ratio | 11.3760% | 2,132 |
| Tier 1 risk-based capital ratio | 12.6799% | 4,351 |
| Total risk-based capital ratio | 13.9311% | 4,258 |
| Memoranda: | ||
| Average total assets | $125,653,250 | 3,921 |
| Average earning assets | $115,590,000 | 3,927 |
| Average equity | $15,038,000 | 3,829 |
| Average total loans | $97,084,250 | 3,450 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 281 |
| Cost of funding earning assets | 0.5846% | 1,435 |
| Net interest margin | 4.8520% | 337 |
| Noninterest income to average assets | 0.5427% | 2,942 |
| Noninterest expense to average assets | 2.9051% | 2,656 |
| Loan and lease loss provision to assets | 0.3047% | 582 |
| Net operating income to assets | 1.1554% | 1,753 |
| Return on assets (ROA) | 1.1554% | 1,865 |
| Pretax return on assets | 1.7963% | 889 |
| Return on Equity (ROE) | 9.2961% | 2,369 |
| Retained earnings to average equity (ytd only) | 4.6079% | 2,975 |
| Net charge-offs to loans | 0.0705% | 2,177 |
| Credit loss provision to net charge-offs | 554.5455% | 609 |
| Earnings coverage of net charge-offs (x) | 38.2424% | 1,187 |
| Efficiency ratio | 58.0313% | 4,897 |
| Assets per employee ($millions) | 5.1692% | 2,120 |
| Cash dividends to net income (ytd only)* | 50.4323% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,857 |
| Loan loss allowance to noncurrent loans | 111.0616% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 2,041 |
| Noncurrent loans to loans | 1.3515% | 1,663 |
| Net loans and leases to total assets | 75.9640% | 1,493 |
| Net loans and leases to deposits | 87.0123% | 2,128 |
| Net loans and leases to core deposits | 104.3175% | 1,289 |
| Total domestic deposits to total assets | 87.3026% | 1,754 |
| Equity capital to assets | 11.6636% | 2,393 |
| Core capital (leverage) ratio | 12.2481% | 1,494 |
| Tier 1 risk-based capital ratio | 13.1068% | 4,133 |
| Total risk-based capital ratio | 14.3577% | 4,056 |
| Memoranda: | ||
| Average total assets | $120,134,670 | 4,043 |
| Average earning assets | $110,511,330 | 4,046 |
| Average equity | $14,931,000 | 3,870 |
| Average total loans | $93,585,670 | 3,533 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 464 |
| Cost of funding earning assets | 0.5831% | 1,458 |
| Net interest margin | 4.5556% | 548 |
| Noninterest income to average assets | 0.5404% | 2,866 |
| Noninterest expense to average assets | 2.8092% | 3,035 |
| Loan and lease loss provision to assets | 0.2078% | 940 |
| Net operating income to assets | 1.0357% | 2,138 |
| Return on assets (ROA) | 1.0357% | 2,258 |
| Pretax return on assets | 1.7181% | 1,026 |
| Return on Equity (ROE) | 8.1096% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.1096% | 1,410 |
| Net charge-offs to loans | -0.0089% | 4,475 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3270% | 4,833 |
| Assets per employee ($millions) | 5.1230% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,947 |
| Loan loss allowance to noncurrent loans | 107.7395% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 1,994 |
| Noncurrent loans to loans | 1.4001% | 1,704 |
| Net loans and leases to total assets | 77.9093% | 1,116 |
| Net loans and leases to deposits | 90.4459% | 1,523 |
| Net loans and leases to core deposits | 103.0697% | 1,255 |
| Total domestic deposits to total assets | 86.1391% | 2,613 |
| Equity capital to assets | 12.6668% | 1,579 |
| Core capital (leverage) ratio | 12.8976% | 1,197 |
| Tier 1 risk-based capital ratio | 15.0613% | 3,127 |
| Total risk-based capital ratio | 16.3142% | 3,063 |
| Memoranda: | ||
| Average total assets | $115,477,000 | 4,161 |
| Average earning assets | $106,330,000 | 4,156 |
| Average equity | $14,748,000 | 3,901 |
| Average total loans | $89,911,500 | 3,620 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 604 |
| Cost of funding earning assets | 0.5726% | 1,576 |
| Net interest margin | 4.4447% | 721 |
| Noninterest income to average assets | 0.5906% | 2,771 |
| Noninterest expense to average assets | 2.8625% | 2,983 |
| Loan and lease loss provision to assets | 0.2138% | 971 |
| Net operating income to assets | 0.9880% | 2,428 |
| Return on assets (ROA) | 0.9928% | 2,498 |
| Pretax return on assets | 1.5579% | 1,382 |
| Return on Equity (ROE) | 7.8281% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.9490% | 1,823 |
| Net charge-offs to loans | -0.0159% | 5,219 |
| Credit loss provision to net charge-offs | -1,891.6667% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8689% | 4,631 |
| Assets per employee ($millions) | 4.9185% | 2,452 |
| Cash dividends to net income (ytd only)* | 24.0038% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,791 |
| Loan loss allowance to noncurrent loans | 113.3109% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 2,086 |
| Noncurrent loans to loans | 1.3704% | 1,711 |
| Net loans and leases to total assets | 75.3788% | 1,512 |
| Net loans and leases to deposits | 87.4658% | 1,937 |
| Net loans and leases to core deposits | 101.1782% | 1,429 |
| Total domestic deposits to total assets | 86.1809% | 2,551 |
| Equity capital to assets | 12.8803% | 1,413 |
| Core capital (leverage) ratio | 13.1120% | 1,104 |
| Tier 1 risk-based capital ratio | 16.2297% | 2,595 |
| Total risk-based capital ratio | 17.4832% | 2,550 |
| Memoranda: | ||
| Average total assets | $106,165,600 | 4,330 |
| Average earning assets | $96,406,000 | 4,385 |
| Average equity | $13,464,400 | 4,052 |
| Average total loans | $75,620,400 | 3,956 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 634 |
| Cost of funding earning assets | 0.5744% | 1,587 |
| Net interest margin | 4.4152% | 768 |
| Noninterest income to average assets | 0.5912% | 2,797 |
| Noninterest expense to average assets | 2.8817% | 2,906 |
| Loan and lease loss provision to assets | 0.1660% | 1,277 |
| Net operating income to assets | 0.9421% | 2,749 |
| Return on assets (ROA) | 0.9487% | 2,815 |
| Pretax return on assets | 1.5577% | 1,512 |
| Return on Equity (ROE) | 7.5118% | 3,331 |
| Retained earnings to average equity (ytd only) | 4.9540% | 2,947 |
| Net charge-offs to loans | 0.0238% | 3,464 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 103.2481% | 606 |
| Efficiency ratio | 62.7119% | 4,458 |
| Assets per employee ($millions) | 4.8825% | 2,445 |
| Cash dividends to net income (ytd only)* | 34.0507% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 2,069 |
| Loan loss allowance to noncurrent loans | 92.5758% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.0435% | 991 |
| Noncurrent loans to loans | 1.6420% | 1,503 |
| Net loans and leases to total assets | 73.7048% | 1,787 |
| Net loans and leases to deposits | 86.7027% | 2,064 |
| Net loans and leases to core deposits | 96.7671% | 1,814 |
| Total domestic deposits to total assets | 85.0086% | 2,999 |
| Equity capital to assets | 12.6100% | 1,684 |
| Core capital (leverage) ratio | 12.6801% | 1,329 |
| Tier 1 risk-based capital ratio | 15.9945% | 2,798 |
| Total risk-based capital ratio | 17.2473% | 2,743 |
| Memoranda: | ||
| Average total assets | $104,425,500 | 4,415 |
| Average earning assets | $94,701,250 | 4,468 |
| Average equity | $13,187,750 | 4,144 |
| Average total loans | $72,871,000 | 4,061 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 677 |
| Cost of funding earning assets | 0.5787% | 1,579 |
| Net interest margin | 4.3565% | 826 |
| Noninterest income to average assets | 0.5550% | 3,009 |
| Noninterest expense to average assets | 2.8870% | 2,938 |
| Loan and lease loss provision to assets | 0.0638% | 2,843 |
| Net operating income to assets | 0.9306% | 2,729 |
| Return on assets (ROA) | 0.9417% | 2,800 |
| Pretax return on assets | 1.5953% | 1,339 |
| Return on Equity (ROE) | 7.4529% | 3,346 |
| Retained earnings to average equity (ytd only) | 3.5658% | 3,759 |
| Net charge-offs to loans | 0.0341% | 2,984 |
| Credit loss provision to net charge-offs | 275.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 70.7500% | 770 |
| Efficiency ratio | 63.7489% | 4,395 |
| Assets per employee ($millions) | 4.7497% | 2,604 |
| Cash dividends to net income (ytd only)* | 52.1561% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 2,364 |
| Loan loss allowance to noncurrent loans | 127.6644% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 1,418 |
| Noncurrent loans to loans | 1.1626% | 2,324 |
| Net loans and leases to total assets | 71.5263% | 2,069 |
| Net loans and leases to deposits | 82.8833% | 2,450 |
| Net loans and leases to core deposits | 90.9390% | 2,252 |
| Total domestic deposits to total assets | 86.2976% | 2,529 |
| Equity capital to assets | 12.5683% | 1,622 |
| Core capital (leverage) ratio | 12.5197% | 1,368 |
| Tier 1 risk-based capital ratio | 17.0118% | 2,398 |
| Total risk-based capital ratio | 18.2645% | 2,342 |
| Memoranda: | ||
| Average total assets | $103,429,000 | 4,479 |
| Average earning assets | $94,342,330 | 4,515 |
| Average equity | $13,068,670 | 4,196 |
| Average total loans | $70,364,000 | 4,149 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 930 |
| Cost of funding earning assets | 0.5925% | 1,487 |
| Net interest margin | 4.1644% | 1,140 |
| Noninterest income to average assets | 0.4276% | 3,780 |
| Noninterest expense to average assets | 2.9155% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7347% | 3,620 |
| Return on assets (ROA) | 0.7347% | 3,751 |
| Pretax return on assets | 1.3100% | 2,242 |
| Return on Equity (ROE) | 5.7991% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.7991% | 2,607 |
| Net charge-offs to loans | 0.0296% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 67.4000% | 668 |
| Efficiency ratio | 68.9972% | 3,662 |
| Assets per employee ($millions) | 4.5030% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 2,000 |
| Loan loss allowance to noncurrent loans | 94.6644% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.0479% | 1,153 |
| Noncurrent loans to loans | 1.7054% | 1,611 |
| Net loans and leases to total assets | 64.7269% | 2,988 |
| Net loans and leases to deposits | 75.1797% | 3,151 |
| Net loans and leases to core deposits | 82.8773% | 2,883 |
| Total domestic deposits to total assets | 86.0962% | 2,891 |
| Equity capital to assets | 12.7451% | 1,546 |
| Core capital (leverage) ratio | 12.6456% | 1,293 |
| Tier 1 risk-based capital ratio | 18.8054% | 1,918 |
| Total risk-based capital ratio | 20.0596% | 1,878 |
| Memoranda: | ||
| Average total assets | $102,897,000 | 4,529 |
| Average earning assets | $93,842,000 | 4,555 |
| Average equity | $13,036,500 | 4,223 |
| Average total loans | $67,613,000 | 4,245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 1,089 |
| Cost of funding earning assets | 0.7012% | 1,102 |
| Net interest margin | 4.1115% | 1,540 |
| Noninterest income to average assets | 0.6451% | 2,584 |
| Noninterest expense to average assets | 2.8341% | 3,364 |
| Loan and lease loss provision to assets | 0.2163% | 1,148 |
| Net operating income to assets | 0.8271% | 3,243 |
| Return on assets (ROA) | 0.8290% | 3,318 |
| Pretax return on assets | 1.3511% | 2,072 |
| Return on Equity (ROE) | 6.7964% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.0066% | 2,594 |
| Net charge-offs to loans | 0.2051% | 2,023 |
| Credit loss provision to net charge-offs | 162.9630% | 1,492 |
| Earnings coverage of net charge-offs (x) | 11.7852% | 2,452 |
| Efficiency ratio | 64.4310% | 4,526 |
| Assets per employee ($millions) | 4.8679% | 2,510 |
| Cash dividends to net income (ytd only)* | 26.3345% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 1,936 |
| Loan loss allowance to noncurrent loans | 109.0819% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 995 |
| Noncurrent loans to loans | 1.5099% | 1,943 |
| Net loans and leases to total assets | 64.5478% | 3,139 |
| Net loans and leases to deposits | 75.5796% | 3,247 |
| Net loans and leases to core deposits | 83.2564% | 2,976 |
| Total domestic deposits to total assets | 85.4038% | 3,121 |
| Equity capital to assets | 12.5928% | 1,589 |
| Core capital (leverage) ratio | 12.5353% | 1,342 |
| Tier 1 risk-based capital ratio | 18.5487% | 1,978 |
| Total risk-based capital ratio | 19.8039% | 1,946 |
| Memoranda: | ||
| Average total assets | $101,691,200 | 4,555 |
| Average earning assets | $92,836,600 | 4,585 |
| Average equity | $12,403,600 | 4,284 |
| Average total loans | $65,831,600 | 4,302 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 1,110 |
| Cost of funding earning assets | 0.7235% | 1,028 |
| Net interest margin | 4.0742% | 1,657 |
| Noninterest income to average assets | 0.6472% | 2,588 |
| Noninterest expense to average assets | 2.8318% | 3,343 |
| Loan and lease loss provision to assets | 0.2101% | 1,105 |
| Net operating income to assets | 0.8219% | 3,329 |
| Return on assets (ROA) | 0.8245% | 3,406 |
| Pretax return on assets | 1.3352% | 2,255 |
| Return on Equity (ROE) | 6.8150% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.4059% | 3,518 |
| Net charge-offs to loans | 0.5027% | 768 |
| Credit loss provision to net charge-offs | 64.7773% | 2,859 |
| Earnings coverage of net charge-offs (x) | 4.7530% | 3,387 |
| Efficiency ratio | 64.7553% | 4,422 |
| Assets per employee ($millions) | 4.8156% | 2,497 |
| Cash dividends to net income (ytd only)* | 35.3501% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 3,025 |
| Loan loss allowance to noncurrent loans | 69.7605% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.7282% | 914 |
| Noncurrent loans to loans | 2.0534% | 1,527 |
| Net loans and leases to total assets | 63.4157% | 3,278 |
| Net loans and leases to deposits | 73.5279% | 3,492 |
| Net loans and leases to core deposits | 79.7798% | 3,335 |
| Total domestic deposits to total assets | 86.2471% | 2,732 |
| Equity capital to assets | 12.4199% | 1,756 |
| Core capital (leverage) ratio | 12.3855% | 1,467 |
| Tier 1 risk-based capital ratio | 18.6624% | 2,000 |
| Total risk-based capital ratio | 19.9157% | 1,968 |
| Memoranda: | ||
| Average total assets | $101,557,750 | 4,618 |
| Average earning assets | $92,875,250 | 4,628 |
| Average equity | $12,286,250 | 4,327 |
| Average total loans | $65,517,250 | 4,351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 1,084 |
| Cost of funding earning assets | 0.7468% | 938 |
| Net interest margin | 4.0433% | 1,683 |
| Noninterest income to average assets | 0.6726% | 2,416 |
| Noninterest expense to average assets | 2.8161% | 3,440 |
| Loan and lease loss provision to assets | 0.1967% | 1,241 |
| Net operating income to assets | 0.8260% | 3,201 |
| Return on assets (ROA) | 0.8260% | 3,297 |
| Pretax return on assets | 1.3648% | 2,022 |
| Return on Equity (ROE) | 6.8881% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.2472% | 4,137 |
| Net charge-offs to loans | 0.1310% | 2,353 |
| Credit loss provision to net charge-offs | 232.5581% | 1,042 |
| Earnings coverage of net charge-offs (x) | 18.4651% | 1,684 |
| Efficiency ratio | 64.3306% | 4,642 |
| Assets per employee ($millions) | 5.0828% | 2,112 |
| Cash dividends to net income (ytd only)* | 52.8571% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,381 |
| Loan loss allowance to noncurrent loans | 84.8031% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.6786% | 1,002 |
| Noncurrent loans to loans | 1.9142% | 1,781 |
| Net loans and leases to total assets | 64.2058% | 3,046 |
| Net loans and leases to deposits | 74.0977% | 3,302 |
| Net loans and leases to core deposits | 80.3914% | 3,166 |
| Total domestic deposits to total assets | 86.6501% | 2,673 |
| Equity capital to assets | 12.2098% | 1,850 |
| Core capital (leverage) ratio | 12.1093% | 1,597 |
| Tier 1 risk-based capital ratio | 18.1592% | 2,184 |
| Total risk-based capital ratio | 19.4141% | 2,153 |
| Memoranda: | ||
| Average total assets | $101,701,000 | 4,642 |
| Average earning assets | $93,192,330 | 4,655 |
| Average equity | $12,195,000 | 4,362 |
| Average total loans | $65,668,670 | 4,364 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 1,118 |
| Cost of funding earning assets | 0.7815% | 827 |
| Net interest margin | 3.9807% | 1,824 |
| Noninterest income to average assets | 0.6567% | 2,421 |
| Noninterest expense to average assets | 2.7722% | 3,667 |
| Loan and lease loss provision to assets | 0.1573% | 1,546 |
| Net operating income to assets | 0.8376% | 2,963 |
| Return on assets (ROA) | 0.8376% | 3,034 |
| Pretax return on assets | 1.3723% | 1,844 |
| Return on Equity (ROE) | 7.0492% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.0492% | 2,024 |
| Net charge-offs to loans | 0.0367% | 2,872 |
| Credit loss provision to net charge-offs | 666.6667% | 422 |
| Earnings coverage of net charge-offs (x) | 64.8333% | 623 |
| Efficiency ratio | 64.4424% | 4,791 |
| Assets per employee ($millions) | 4.6863% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 2,711 |
| Loan loss allowance to noncurrent loans | 65.4658% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.9855% | 958 |
| Noncurrent loans to loans | 2.4425% | 1,428 |
| Net loans and leases to total assets | 62.9123% | 3,088 |
| Net loans and leases to deposits | 72.2938% | 3,297 |
| Net loans and leases to core deposits | 78.5816% | 3,138 |
| Total domestic deposits to total assets | 87.0232% | 2,794 |
| Equity capital to assets | 11.9022% | 1,939 |
| Core capital (leverage) ratio | 12.2707% | 1,494 |
| Tier 1 risk-based capital ratio | 18.0529% | 2,274 |
| Total risk-based capital ratio | 19.3062% | 2,249 |
| Memoranda: | ||
| Average total assets | $101,723,500 | 4,690 |
| Average earning assets | $93,148,500 | 4,702 |
| Average equity | $12,086,500 | 4,405 |
| Average total loans | $65,330,000 | 4,420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 1,148 |
| Cost of funding earning assets | 0.9860% | 482 |
| Net interest margin | 3.8868% | 2,340 |
| Noninterest income to average assets | 0.6093% | 3,028 |
| Noninterest expense to average assets | 2.7914% | 3,756 |
| Loan and lease loss provision to assets | 0.1380% | 2,580 |
| Net operating income to assets | 0.7512% | 3,544 |
| Return on assets (ROA) | 0.7878% | 3,458 |
| Pretax return on assets | 1.2779% | 2,244 |
| Return on Equity (ROE) | 6.7282% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.8588% | 2,692 |
| Net charge-offs to loans | 0.5978% | 1,099 |
| Credit loss provision to net charge-offs | 36.3636% | 4,118 |
| Earnings coverage of net charge-offs (x) | 3.5792% | 3,820 |
| Efficiency ratio | 67.2606% | 4,336 |
| Assets per employee ($millions) | 4.5613% | 2,801 |
| Cash dividends to net income (ytd only)* | 27.7847% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 2,855 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5302% | 1,348 |
| Noncurrent loans to loans | 1.6542% | 2,429 |
| Net loans and leases to total assets | 63.5030% | 3,132 |
| Net loans and leases to deposits | 72.7609% | 3,422 |
| Net loans and leases to core deposits | 78.0903% | 3,351 |
| Total domestic deposits to total assets | 87.2763% | 2,588 |
| Equity capital to assets | 11.8607% | 1,900 |
| Core capital (leverage) ratio | 12.0755% | 1,550 |
| Tier 1 risk-based capital ratio | 18.0952% | 2,218 |
| Total risk-based capital ratio | 19.3482% | 2,178 |
| Memoranda: | ||
| Average total assets | $101,420,200 | 4,706 |
| Average earning assets | $92,389,600 | 4,715 |
| Average equity | $11,875,400 | 4,465 |
| Average total loans | $64,402,200 | 4,468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 1,186 |
| Cost of funding earning assets | 1.0202% | 445 |
| Net interest margin | 3.8514% | 2,458 |
| Noninterest income to average assets | 0.5953% | 3,178 |
| Noninterest expense to average assets | 2.8059% | 3,639 |
| Loan and lease loss provision to assets | 0.1049% | 3,006 |
| Net operating income to assets | 0.7262% | 3,723 |
| Return on assets (ROA) | 0.7749% | 3,613 |
| Pretax return on assets | 1.2600% | 2,481 |
| Return on Equity (ROE) | 6.6391% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.1453% | 3,734 |
| Net charge-offs to loans | 0.7276% | 820 |
| Credit loss provision to net charge-offs | 22.7920% | 4,022 |
| Earnings coverage of net charge-offs (x) | 2.8006% | 3,904 |
| Efficiency ratio | 68.5239% | 3,990 |
| Assets per employee ($millions) | 4.3441% | 3,152 |
| Cash dividends to net income (ytd only)* | 37.5631% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,175 |
| Loan loss allowance to noncurrent loans | 94.0454% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.5822% | 1,471 |
| Noncurrent loans to loans | 1.6616% | 2,692 |
| Net loans and leases to total assets | 62.7309% | 3,213 |
| Net loans and leases to deposits | 72.0301% | 3,513 |
| Net loans and leases to core deposits | 77.3809% | 3,443 |
| Total domestic deposits to total assets | 87.0899% | 2,644 |
| Equity capital to assets | 11.8592% | 2,007 |
| Core capital (leverage) ratio | 11.7659% | 1,844 |
| Tier 1 risk-based capital ratio | 17.8460% | 2,381 |
| Total risk-based capital ratio | 19.0974% | 2,344 |
| Memoranda: | ||
| Average total assets | $101,688,250 | 4,744 |
| Average earning assets | $92,396,500 | 4,760 |
| Average equity | $11,868,750 | 4,523 |
| Average total loans | $64,316,750 | 4,521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 1,239 |
| Cost of funding earning assets | 1.0519% | 427 |
| Net interest margin | 3.7873% | 2,604 |
| Noninterest income to average assets | 0.7333% | 2,484 |
| Noninterest expense to average assets | 2.8080% | 3,650 |
| Loan and lease loss provision to assets | 0.1173% | 2,859 |
| Net operating income to assets | 0.7679% | 3,479 |
| Return on assets (ROA) | 0.7704% | 3,621 |
| Pretax return on assets | 1.2476% | 2,490 |
| Return on Equity (ROE) | 6.6356% | 3,806 |
| Retained earnings to average equity (ytd only) | 2.8968% | 4,469 |
| Net charge-offs to loans | 1.0816% | 558 |
| Credit loss provision to net charge-offs | 17.1920% | 3,788 |
| Earnings coverage of net charge-offs (x) | 1.9943% | 3,855 |
| Efficiency ratio | 67.3546% | 4,297 |
| Assets per employee ($millions) | 4.4182% | 2,945 |
| Cash dividends to net income (ytd only)* | 56.3452% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,562 |
| Loan loss allowance to noncurrent loans | 89.2139% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.7229% | 1,531 |
| Noncurrent loans to loans | 1.6880% | 2,785 |
| Net loans and leases to total assets | 62.8196% | 3,135 |
| Net loans and leases to deposits | 71.6751% | 3,499 |
| Net loans and leases to core deposits | 76.8636% | 3,445 |
| Total domestic deposits to total assets | 87.6449% | 2,468 |
| Equity capital to assets | 11.4074% | 2,371 |
| Core capital (leverage) ratio | 11.5257% | 1,916 |
| Tier 1 risk-based capital ratio | 17.2105% | 2,636 |
| Total risk-based capital ratio | 18.4626% | 2,608 |
| Memoranda: | ||
| Average total assets | $102,279,670 | 4,762 |
| Average earning assets | $92,784,330 | 4,782 |
| Average equity | $11,875,330 | 4,560 |
| Average total loans | $64,531,670 | 4,520 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 1,382 |
| Cost of funding earning assets | 1.0771% | 417 |
| Net interest margin | 3.6800% | 2,951 |
| Noninterest income to average assets | 0.7212% | 2,478 |
| Noninterest expense to average assets | 2.7600% | 3,830 |
| Loan and lease loss provision to assets | 0.2339% | 1,562 |
| Net operating income to assets | 0.6343% | 4,057 |
| Return on assets (ROA) | 0.6393% | 4,185 |
| Pretax return on assets | 1.0915% | 2,988 |
| Return on Equity (ROE) | 5.4589% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.4589% | 2,974 |
| Net charge-offs to loans | 0.4535% | 1,315 |
| Credit loss provision to net charge-offs | 82.1918% | 2,132 |
| Earnings coverage of net charge-offs (x) | 4.6301% | 2,511 |
| Efficiency ratio | 67.6864% | 4,370 |
| Assets per employee ($millions) | 4.2316% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 2,178 |
| Loan loss allowance to noncurrent loans | 117.0093% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.7009% | 1,677 |
| Noncurrent loans to loans | 1.6654% | 3,048 |
| Net loans and leases to total assets | 62.0296% | 3,057 |
| Net loans and leases to deposits | 71.1715% | 3,298 |
| Net loans and leases to core deposits | 76.5909% | 3,248 |
| Total domestic deposits to total assets | 87.1551% | 2,860 |
| Equity capital to assets | 11.8888% | 2,117 |
| Core capital (leverage) ratio | 11.5151% | 1,873 |
| Tier 1 risk-based capital ratio | 17.4386% | 2,585 |
| Total risk-based capital ratio | 18.6962% | 2,540 |
| Memoranda: | ||
| Average total assets | $102,610,500 | 4,798 |
| Average earning assets | $93,586,000 | 4,808 |
| Average equity | $12,017,000 | 4,573 |
| Average total loans | $64,391,500 | 4,545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 1,039 |
| Cost of funding earning assets | 1.2342% | 493 |
| Net interest margin | 4.0066% | 2,368 |
| Noninterest income to average assets | 0.7424% | 2,532 |
| Noninterest expense to average assets | 2.7513% | 4,209 |
| Loan and lease loss provision to assets | 0.3882% | 1,681 |
| Net operating income to assets | 0.7707% | 3,411 |
| Return on assets (ROA) | 0.8453% | 3,322 |
| Pretax return on assets | 1.3519% | 2,201 |
| Return on Equity (ROE) | 7.5020% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.5899% | 2,324 |
| Net charge-offs to loans | 0.5675% | 2,027 |
| Credit loss provision to net charge-offs | 106.3830% | 2,794 |
| Earnings coverage of net charge-offs (x) | 4.4495% | 3,364 |
| Efficiency ratio | 62.8882% | 5,100 |
| Assets per employee ($millions) | 4.3193% | 3,310 |
| Cash dividends to net income (ytd only)* | 25.4879% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 2,131 |
| Loan loss allowance to noncurrent loans | 108.3976% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 2.7589% | 1,744 |
| Noncurrent loans to loans | 1.8083% | 2,905 |
| Net loans and leases to total assets | 61.0343% | 3,413 |
| Net loans and leases to deposits | 69.6952% | 3,751 |
| Net loans and leases to core deposits | 75.5788% | 3,591 |
| Total domestic deposits to total assets | 87.5732% | 2,498 |
| Equity capital to assets | 11.5374% | 2,407 |
| Core capital (leverage) ratio | 11.1412% | 2,134 |
| Tier 1 risk-based capital ratio | 17.1761% | 2,570 |
| Total risk-based capital ratio | 18.4337% | 2,541 |
| Memoranda: | ||
| Average total assets | $103,043,000 | 4,758 |
| Average earning assets | $93,420,600 | 4,766 |
| Average equity | $11,610,200 | 4,649 |
| Average total loans | $66,255,600 | 4,492 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 1,002 |
| Cost of funding earning assets | 1.2589% | 539 |
| Net interest margin | 4.0470% | 2,305 |
| Noninterest income to average assets | 0.7788% | 2,338 |
| Noninterest expense to average assets | 2.7239% | 4,275 |
| Loan and lease loss provision to assets | 0.5184% | 1,165 |
| Net operating income to assets | 0.7304% | 3,772 |
| Return on assets (ROA) | 0.8216% | 3,578 |
| Pretax return on assets | 1.3451% | 2,431 |
| Return on Equity (ROE) | 7.3360% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.7673% | 3,548 |
| Net charge-offs to loans | 0.7178% | 1,539 |
| Credit loss provision to net charge-offs | 111.4206% | 2,630 |
| Earnings coverage of net charge-offs (x) | 3.6992% | 3,550 |
| Efficiency ratio | 61.2828% | 5,265 |
| Assets per employee ($millions) | 4.2974% | 3,274 |
| Cash dividends to net income (ytd only)* | 35.0156% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 2,268 |
| Loan loss allowance to noncurrent loans | 116.1086% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 2.8874% | 1,814 |
| Noncurrent loans to loans | 1.6942% | 3,252 |
| Net loans and leases to total assets | 61.9962% | 3,377 |
| Net loans and leases to deposits | 70.8503% | 3,780 |
| Net loans and leases to core deposits | 76.6624% | 3,655 |
| Total domestic deposits to total assets | 87.5030% | 2,349 |
| Equity capital to assets | 11.4779% | 2,767 |
| Core capital (leverage) ratio | 11.0354% | 2,343 |
| Tier 1 risk-based capital ratio | 16.7419% | 2,879 |
| Total risk-based capital ratio | 17.9994% | 2,835 |
| Memoranda: | ||
| Average total assets | $102,888,000 | 4,804 |
| Average earning assets | $93,203,750 | 4,822 |
| Average equity | $11,522,750 | 4,714 |
| Average total loans | $66,685,750 | 4,517 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3841% | 898 |
| Cost of funding earning assets | 1.2821% | 570 |
| Net interest margin | 4.1020% | 2,085 |
| Noninterest income to average assets | 0.6887% | 2,724 |
| Noninterest expense to average assets | 2.6905% | 4,468 |
| Loan and lease loss provision to assets | 0.5836% | 1,028 |
| Net operating income to assets | 0.8147% | 3,332 |
| Return on assets (ROA) | 0.9688% | 2,832 |
| Pretax return on assets | 1.3443% | 2,407 |
| Return on Equity (ROE) | 8.7233% | 2,925 |
| Retained earnings to average equity (ytd only) | 4.8346% | 3,377 |
| Net charge-offs to loans | 1.0064% | 1,100 |
| Credit loss provision to net charge-offs | 88.7574% | 3,083 |
| Earnings coverage of net charge-offs (x) | 2.6065% | 3,703 |
| Efficiency ratio | 61.0866% | 5,411 |
| Assets per employee ($millions) | 4.4281% | 3,040 |
| Cash dividends to net income (ytd only)* | 44.5783% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 2,810 |
| Loan loss allowance to noncurrent loans | 3,010.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 2,928 |
| Noncurrent loans to loans | 0.0602% | 6,521 |
| Net loans and leases to total assets | 64.0202% | 3,027 |
| Net loans and leases to deposits | 73.0563% | 3,449 |
| Net loans and leases to core deposits | 79.3424% | 3,314 |
| Total domestic deposits to total assets | 87.6313% | 2,376 |
| Equity capital to assets | 11.3691% | 2,721 |
| Core capital (leverage) ratio | 11.0174% | 2,278 |
| Tier 1 risk-based capital ratio | 16.2751% | 3,017 |
| Total risk-based capital ratio | 17.5371% | 2,983 |
| Memoranda: | ||
| Average total assets | $102,805,000 | 4,835 |
| Average earning assets | $93,125,330 | 4,843 |
| Average equity | $11,417,670 | 4,731 |
| Average total loans | $67,173,000 | 4,517 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 966 |
| Cost of funding earning assets | 1.3035% | 623 |
| Net interest margin | 4.0640% | 2,238 |
| Noninterest income to average assets | 0.8598% | 1,908 |
| Noninterest expense to average assets | 2.6722% | 4,536 |
| Loan and lease loss provision to assets | 0.5809% | 992 |
| Net operating income to assets | 0.7901% | 3,420 |
| Return on assets (ROA) | 0.7901% | 3,669 |
| Pretax return on assets | 1.3013% | 2,532 |
| Return on Equity (ROE) | 7.1977% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.1977% | 2,323 |
| Net charge-offs to loans | 1.1664% | 880 |
| Credit loss provision to net charge-offs | 76.1421% | 2,801 |
| Earnings coverage of net charge-offs (x) | 2.4670% | 3,187 |
| Efficiency ratio | 58.6735% | 5,821 |
| Assets per employee ($millions) | 4.3026% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 3,078 |
| Loan loss allowance to noncurrent loans | 321.2366% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 2.3774% | 2,499 |
| Noncurrent loans to loans | 0.5518% | 5,558 |
| Net loans and leases to total assets | 64.1310% | 2,827 |
| Net loans and leases to deposits | 72.9609% | 3,275 |
| Net loans and leases to core deposits | 79.8262% | 3,089 |
| Total domestic deposits to total assets | 87.8978% | 2,398 |
| Equity capital to assets | 11.0718% | 2,826 |
| Core capital (leverage) ratio | 10.8319% | 2,408 |
| Tier 1 risk-based capital ratio | 15.8125% | 3,274 |
| Total risk-based capital ratio | 17.0681% | 3,238 |
| Memoranda: | ||
| Average total assets | $103,284,500 | 4,857 |
| Average earning assets | $93,898,000 | 4,853 |
| Average equity | $11,337,000 | 4,756 |
| Average total loans | $67,556,500 | 4,533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7621% | 687 |
| Cost of funding earning assets | 1.4781% | 779 |
| Net interest margin | 4.2840% | 1,756 |
| Noninterest income to average assets | 0.8087% | 2,010 |
| Noninterest expense to average assets | 2.8524% | 4,159 |
| Loan and lease loss provision to assets | 0.5230% | 2,007 |
| Net operating income to assets | 0.8414% | 2,867 |
| Return on assets (ROA) | 0.8426% | 3,018 |
| Pretax return on assets | 1.3598% | 1,914 |
| Return on Equity (ROE) | 8.1299% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.0554% | 1,988 |
| Net charge-offs to loans | 0.2673% | 4,097 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 10.7889% | 1,791 |
| Efficiency ratio | 60.2619% | 5,710 |
| Assets per employee ($millions) | 4.1323% | 3,586 |
| Cash dividends to net income (ytd only)* | 25.5172% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 2,759 |
| Loan loss allowance to noncurrent loans | 254.5082% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 2.2893% | 2,637 |
| Noncurrent loans to loans | 0.7209% | 5,257 |
| Net loans and leases to total assets | 64.3257% | 3,116 |
| Net loans and leases to deposits | 72.8579% | 3,685 |
| Net loans and leases to core deposits | 82.7013% | 3,076 |
| Total domestic deposits to total assets | 88.2893% | 1,973 |
| Equity capital to assets | 10.8812% | 3,104 |
| Core capital (leverage) ratio | 10.5133% | 2,718 |
| Tier 1 risk-based capital ratio | 15.4919% | 3,328 |
| Total risk-based capital ratio | 16.7493% | 3,281 |
| Memoranda: | ||
| Average total assets | $103,247,800 | 4,813 |
| Average earning assets | $94,584,000 | 4,795 |
| Average equity | $10,701,200 | 4,859 |
| Average total loans | $67,347,200 | 4,585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7999% | 702 |
| Cost of funding earning assets | 1.5095% | 827 |
| Net interest margin | 4.2904% | 1,754 |
| Noninterest income to average assets | 0.7956% | 2,072 |
| Noninterest expense to average assets | 2.7923% | 4,371 |
| Loan and lease loss provision to assets | 0.4908% | 2,024 |
| Net operating income to assets | 0.8856% | 2,797 |
| Return on assets (ROA) | 0.8873% | 2,948 |
| Pretax return on assets | 1.4504% | 1,783 |
| Return on Equity (ROE) | 8.6689% | 2,759 |
| Retained earnings to average equity (ytd only) | 5.8675% | 2,637 |
| Net charge-offs to loans | 0.2081% | 4,133 |
| Credit loss provision to net charge-offs | 361.9048% | 784 |
| Earnings coverage of net charge-offs (x) | 14.2949% | 1,543 |
| Efficiency ratio | 59.0227% | 5,864 |
| Assets per employee ($millions) | 4.1096% | 3,623 |
| Cash dividends to net income (ytd only)* | 32.3140% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 3,130 |
| Loan loss allowance to noncurrent loans | 53.8390% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 3.9400% | 1,559 |
| Noncurrent loans to loans | 3.2378% | 2,141 |
| Net loans and leases to total assets | 63.4767% | 3,418 |
| Net loans and leases to deposits | 71.8483% | 4,010 |
| Net loans and leases to core deposits | 81.3248% | 3,434 |
| Total domestic deposits to total assets | 88.3483% | 1,844 |
| Equity capital to assets | 10.8322% | 3,319 |
| Core capital (leverage) ratio | 10.4469% | 2,935 |
| Tier 1 risk-based capital ratio | 15.3285% | 3,476 |
| Total risk-based capital ratio | 16.5837% | 3,440 |
| Memoranda: | ||
| Average total assets | $103,233,000 | 4,836 |
| Average earning assets | $94,689,500 | 4,829 |
| Average equity | $10,566,250 | 4,907 |
| Average total loans | $67,260,250 | 4,623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 711 |
| Cost of funding earning assets | 1.5546% | 829 |
| Net interest margin | 4.2545% | 1,825 |
| Noninterest income to average assets | 0.7524% | 2,251 |
| Noninterest expense to average assets | 2.8183% | 4,350 |
| Loan and lease loss provision to assets | 0.4642% | 2,122 |
| Net operating income to assets | 0.8138% | 3,011 |
| Return on assets (ROA) | 0.8163% | 3,125 |
| Pretax return on assets | 1.3753% | 1,879 |
| Return on Equity (ROE) | 8.1321% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.8541% | 3,750 |
| Net charge-offs to loans | 0.2398% | 3,691 |
| Credit loss provision to net charge-offs | 296.2963% | 1,032 |
| Earnings coverage of net charge-offs (x) | 11.7160% | 1,685 |
| Efficiency ratio | 60.5569% | 5,791 |
| Assets per employee ($millions) | 4.0756% | 3,595 |
| Cash dividends to net income (ytd only)* | 52.6066% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,962 |
| Loan loss allowance to noncurrent loans | 737.5887% | 480 |
| Noncurrent assets plus other real estate owned to assets | 1.9668% | 3,279 |
| Noncurrent loans to loans | 0.2081% | 6,490 |
| Net loans and leases to total assets | 65.4775% | 3,140 |
| Net loans and leases to deposits | 73.8275% | 3,829 |
| Net loans and leases to core deposits | 83.5630% | 3,279 |
| Total domestic deposits to total assets | 88.6898% | 1,723 |
| Equity capital to assets | 10.4691% | 3,549 |
| Core capital (leverage) ratio | 10.2284% | 3,004 |
| Tier 1 risk-based capital ratio | 14.8866% | 3,560 |
| Total risk-based capital ratio | 16.1396% | 3,529 |
| Memoranda: | ||
| Average total assets | $103,397,330 | 4,873 |
| Average earning assets | $94,818,330 | 4,855 |
| Average equity | $10,378,670 | 4,956 |
| Average total loans | $67,556,000 | 4,657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 880 |
| Cost of funding earning assets | 1.6017% | 810 |
| Net interest margin | 4.1003% | 2,269 |
| Noninterest income to average assets | 0.7374% | 2,334 |
| Noninterest expense to average assets | 2.8920% | 4,090 |
| Loan and lease loss provision to assets | 0.4609% | 1,913 |
| Net operating income to assets | 0.6107% | 3,981 |
| Return on assets (ROA) | 0.6107% | 4,048 |
| Pretax return on assets | 1.1599% | 2,514 |
| Return on Equity (ROE) | 6.2143% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.2143% | 2,516 |
| Net charge-offs to loans | 0.2016% | 3,298 |
| Credit loss provision to net charge-offs | 352.9412% | 929 |
| Earnings coverage of net charge-offs (x) | 12.4118% | 1,498 |
| Efficiency ratio | 64.0851% | 5,355 |
| Assets per employee ($millions) | 4.4338% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 4,468 |
| Loan loss allowance to noncurrent loans | 96,700.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 1.7743% | 3,610 |
| Noncurrent loans to loans | 0.0015% | 7,092 |
| Net loans and leases to total assets | 62.0537% | 3,848 |
| Net loans and leases to deposits | 69.7408% | 4,387 |
| Net loans and leases to core deposits | 83.8896% | 3,175 |
| Total domestic deposits to total assets | 88.9776% | 1,790 |
| Equity capital to assets | 9.7001% | 4,179 |
| Core capital (leverage) ratio | 9.9762% | 3,167 |
| Tier 1 risk-based capital ratio | 14.7448% | 3,581 |
| Total risk-based capital ratio | 15.9947% | 3,542 |
| Memoranda: | ||
| Average total assets | $104,151,000 | 4,886 |
| Average earning assets | $95,896,000 | 4,854 |
| Average equity | $10,234,500 | 4,980 |
| Average total loans | $67,456,500 | 4,705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2023% | 560 |
| Cost of funding earning assets | 1.8938% | 860 |
| Net interest margin | 4.3085% | 1,790 |
| Noninterest income to average assets | 0.6498% | 3,155 |
| Noninterest expense to average assets | 3.0121% | 3,800 |
| Loan and lease loss provision to assets | 0.3288% | 4,182 |
| Net operating income to assets | 0.8241% | 2,695 |
| Return on assets (ROA) | 0.8241% | 2,835 |
| Pretax return on assets | 1.2659% | 2,028 |
| Return on Equity (ROE) | 8.4332% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.5175% | 1,543 |
| Net charge-offs to loans | 0.2166% | 4,994 |
| Credit loss provision to net charge-offs | 219.8675% | 1,365 |
| Earnings coverage of net charge-offs (x) | 10.6623% | 1,683 |
| Efficiency ratio | 65.3838% | 5,088 |
| Assets per employee ($millions) | 4.4300% | 2,972 |
| Cash dividends to net income (ytd only)* | 22.7163% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 5,018 |
| Loan loss allowance to noncurrent loans | 466.1376% | 685 |
| Noncurrent assets plus other real estate owned to assets | 2.0375% | 3,302 |
| Noncurrent loans to loans | 0.2783% | 6,503 |
| Net loans and leases to total assets | 65.7889% | 3,507 |
| Net loans and leases to deposits | 73.6270% | 4,256 |
| Net loans and leases to core deposits | 87.7958% | 3,078 |
| Total domestic deposits to total assets | 89.3543% | 1,462 |
| Equity capital to assets | 9.9587% | 3,800 |
| Core capital (leverage) ratio | 9.7910% | 3,328 |
| Tier 1 risk-based capital ratio | 14.5175% | 3,533 |
| Total risk-based capital ratio | 15.7673% | 3,490 |
| Memoranda: | ||
| Average total assets | $100,959,800 | 4,959 |
| Average earning assets | $92,723,000 | 4,924 |
| Average equity | $9,865,800 | 5,170 |
| Average total loans | $69,720,000 | 4,695 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2517% | 555 |
| Cost of funding earning assets | 1.9330% | 927 |
| Net interest margin | 4.3187% | 1,781 |
| Noninterest income to average assets | 0.6407% | 3,180 |
| Noninterest expense to average assets | 3.0392% | 3,610 |
| Loan and lease loss provision to assets | 0.3759% | 3,633 |
| Net operating income to assets | 0.7082% | 3,373 |
| Return on assets (ROA) | 0.7082% | 3,525 |
| Pretax return on assets | 1.1913% | 2,521 |
| Return on Equity (ROE) | 7.2821% | 3,212 |
| Retained earnings to average equity (ytd only) | 4.7095% | 3,183 |
| Net charge-offs to loans | 0.2071% | 4,704 |
| Credit loss provision to net charge-offs | 260.5505% | 1,268 |
| Earnings coverage of net charge-offs (x) | 10.8624% | 1,844 |
| Efficiency ratio | 65.9770% | 4,862 |
| Assets per employee ($millions) | 4.1634% | 3,517 |
| Cash dividends to net income (ytd only)* | 35.3264% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 5,015 |
| Loan loss allowance to noncurrent loans | 239.7260% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2347% | 3,153 |
| Noncurrent loans to loans | 0.5389% | 6,127 |
| Net loans and leases to total assets | 64.2340% | 4,074 |
| Net loans and leases to deposits | 71.8594% | 4,863 |
| Net loans and leases to core deposits | 84.8969% | 3,819 |
| Total domestic deposits to total assets | 89.3885% | 1,183 |
| Equity capital to assets | 9.7814% | 4,439 |
| Core capital (leverage) ratio | 9.4924% | 3,913 |
| Tier 1 risk-based capital ratio | 13.8811% | 3,930 |
| Total risk-based capital ratio | 15.1418% | 3,893 |
| Memoranda: | ||
| Average total assets | $100,727,000 | 5,023 |
| Average earning assets | $92,495,250 | 4,994 |
| Average equity | $9,795,500 | 5,258 |
| Average total loans | $70,171,500 | 4,754 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3566% | 450 |
| Cost of funding earning assets | 1.9890% | 935 |
| Net interest margin | 4.3676% | 1,544 |
| Noninterest income to average assets | 0.7349% | 2,484 |
| Noninterest expense to average assets | 3.1222% | 3,212 |
| Loan and lease loss provision to assets | 0.4819% | 2,897 |
| Net operating income to assets | 0.6265% | 3,751 |
| Return on assets (ROA) | 0.6265% | 3,888 |
| Pretax return on assets | 1.1385% | 2,635 |
| Return on Equity (ROE) | 6.4549% | 3,571 |
| Retained earnings to average equity (ytd only) | 2.5447% | 4,534 |
| Net charge-offs to loans | 0.2958% | 3,844 |
| Credit loss provision to net charge-offs | 228.5714% | 1,691 |
| Earnings coverage of net charge-offs (x) | 7.6857% | 2,259 |
| Efficiency ratio | 65.8340% | 5,014 |
| Assets per employee ($millions) | 4.0642% | 3,644 |
| Cash dividends to net income (ytd only)* | 60.5769% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,435 |
| Loan loss allowance to noncurrent loans | 368.7225% | 809 |
| Noncurrent assets plus other real estate owned to assets | 2.2283% | 3,226 |
| Noncurrent loans to loans | 0.3268% | 6,573 |
| Net loans and leases to total assets | 67.5515% | 3,486 |
| Net loans and leases to deposits | 75.6109% | 4,400 |
| Net loans and leases to core deposits | 89.0092% | 3,408 |
| Total domestic deposits to total assets | 89.3410% | 1,264 |
| Equity capital to assets | 9.8352% | 4,222 |
| Core capital (leverage) ratio | 9.5805% | 3,700 |
| Tier 1 risk-based capital ratio | 13.5804% | 4,016 |
| Total risk-based capital ratio | 14.7902% | 4,007 |
| Memoranda: | ||
| Average total assets | $99,607,670 | 5,088 |
| Average earning assets | $91,400,670 | 5,048 |
| Average equity | $9,667,000 | 5,294 |
| Average total loans | $70,984,330 | 4,758 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4102% | 425 |
| Cost of funding earning assets | 2.0382% | 980 |
| Net interest margin | 4.3720% | 1,471 |
| Noninterest income to average assets | 0.7383% | 2,364 |
| Noninterest expense to average assets | 3.0585% | 3,443 |
| Loan and lease loss provision to assets | 0.4868% | 2,553 |
| Net operating income to assets | 0.5598% | 4,083 |
| Return on assets (ROA) | 0.5598% | 4,228 |
| Pretax return on assets | 1.2129% | 2,320 |
| Return on Equity (ROE) | 5.8081% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.8081% | 2,707 |
| Net charge-offs to loans | -0.1059% | 7,526 |
| Credit loss provision to net charge-offs | -631.5789% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2796% | 5,443 |
| Assets per employee ($millions) | 3.9726% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 5,641 |
| Loan loss allowance to noncurrent loans | 65.7277% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.3360% | 3,111 |
| Noncurrent loans to loans | 1.7854% | 4,071 |
| Net loans and leases to total assets | 71.2289% | 2,639 |
| Net loans and leases to deposits | 79.6023% | 3,727 |
| Net loans and leases to core deposits | 92.4683% | 3,050 |
| Total domestic deposits to total assets | 89.4809% | 1,254 |
| Equity capital to assets | 9.7176% | 4,199 |
| Core capital (leverage) ratio | 9.4937% | 3,783 |
| Tier 1 risk-based capital ratio | 13.2966% | 4,129 |
| Total risk-based capital ratio | 14.5076% | 4,106 |
| Memoranda: | ||
| Average total assets | $98,609,500 | 5,189 |
| Average earning assets | $90,668,500 | 5,148 |
| Average equity | $9,504,000 | 5,381 |
| Average total loans | $71,740,500 | 4,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7083% | 456 |
| Cost of funding earning assets | 2.4560% | 1,132 |
| Net interest margin | 4.2523% | 1,885 |
| Noninterest income to average assets | 0.4523% | 4,785 |
| Noninterest expense to average assets | 3.0229% | 4,062 |
| Loan and lease loss provision to assets | 0.4934% | 3,904 |
| Net operating income to assets | 0.5191% | 3,654 |
| Return on assets (ROA) | 0.5684% | 3,529 |
| Pretax return on assets | 0.8819% | 2,981 |
| Return on Equity (ROE) | 6.0485% | 3,191 |
| Retained earnings to average equity (ytd only) | 4.1125% | 2,334 |
| Net charge-offs to loans | 0.6849% | 3,132 |
| Credit loss provision to net charge-offs | 95.4274% | 5,804 |
| Earnings coverage of net charge-offs (x) | 2.5109% | 3,868 |
| Efficiency ratio | 69.9572% | 4,640 |
| Assets per employee ($millions) | 3.9162% | 3,986 |
| Cash dividends to net income (ytd only)* | 32.0072% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,509 |
| Loan loss allowance to noncurrent loans | 64.6679% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.1715% | 3,168 |
| Noncurrent loans to loans | 1.5076% | 4,401 |
| Net loans and leases to total assets | 72.7233% | 2,572 |
| Net loans and leases to deposits | 80.9493% | 3,808 |
| Net loans and leases to core deposits | 134.1833% | 1,042 |
| Total domestic deposits to total assets | 89.8380% | 1,040 |
| Equity capital to assets | 9.5573% | 4,345 |
| Core capital (leverage) ratio | 9.4032% | 3,827 |
| Tier 1 risk-based capital ratio | 12.8240% | 4,267 |
| Total risk-based capital ratio | 13.8184% | 4,408 |
| Memoranda: | ||
| Average total assets | $97,291,200 | 5,156 |
| Average earning assets | $88,517,200 | 5,169 |
| Average equity | $9,142,800 | 5,567 |
| Average total loans | $73,439,600 | 4,751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7090% | 504 |
| Cost of funding earning assets | 2.5128% | 1,259 |
| Net interest margin | 4.1961% | 2,077 |
| Noninterest income to average assets | 0.3926% | 5,360 |
| Noninterest expense to average assets | 2.9181% | 4,371 |
| Loan and lease loss provision to assets | 0.5079% | 3,354 |
| Net operating income to assets | 0.4488% | 4,200 |
| Return on assets (ROA) | 0.5147% | 4,016 |
| Pretax return on assets | 0.8812% | 3,283 |
| Return on Equity (ROE) | 5.5009% | 3,736 |
| Retained earnings to average equity (ytd only) | 2.9044% | 3,699 |
| Net charge-offs to loans | 0.6971% | 2,607 |
| Credit loss provision to net charge-offs | 95.8549% | 5,309 |
| Earnings coverage of net charge-offs (x) | 2.4275% | 4,017 |
| Efficiency ratio | 69.4091% | 4,713 |
| Assets per employee ($millions) | 4.1350% | 3,497 |
| Cash dividends to net income (ytd only)* | 47.1989% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 6,403 |
| Loan loss allowance to noncurrent loans | 39.4649% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.4637% | 2,792 |
| Noncurrent loans to loans | 2.4792% | 3,043 |
| Net loans and leases to total assets | 72.2037% | 2,986 |
| Net loans and leases to deposits | 80.6208% | 4,273 |
| Net loans and leases to core deposits | 133.9121% | 1,213 |
| Total domestic deposits to total assets | 89.5597% | 939 |
| Equity capital to assets | 9.2745% | 5,068 |
| Core capital (leverage) ratio | 9.1568% | 4,406 |
| Tier 1 risk-based capital ratio | 12.5310% | 4,517 |
| Total risk-based capital ratio | 13.5357% | 4,662 |
| Memoranda: | ||
| Average total assets | $97,138,000 | 5,207 |
| Average earning assets | $88,238,000 | 5,227 |
| Average equity | $9,089,250 | 5,636 |
| Average total loans | $73,824,500 | 4,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8743% | 395 |
| Cost of funding earning assets | 2.5969% | 1,294 |
| Net interest margin | 4.2773% | 1,714 |
| Noninterest income to average assets | 0.2032% | 6,835 |
| Noninterest expense to average assets | 2.9781% | 4,166 |
| Loan and lease loss provision to assets | 0.2178% | 4,864 |
| Net operating income to assets | 0.4293% | 4,384 |
| Return on assets (ROA) | 0.5288% | 4,100 |
| Pretax return on assets | 0.9955% | 3,031 |
| Return on Equity (ROE) | 5.6347% | 3,812 |
| Retained earnings to average equity (ytd only) | 1.7236% | 4,381 |
| Net charge-offs to loans | 0.2045% | 4,246 |
| Credit loss provision to net charge-offs | 138.1579% | 3,382 |
| Earnings coverage of net charge-offs (x) | 6.7105% | 2,562 |
| Efficiency ratio | 73.7924% | 4,062 |
| Assets per employee ($millions) | 4.2071% | 3,288 |
| Cash dividends to net income (ytd only)* | 69.4118% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,081 |
| Loan loss allowance to noncurrent loans | 40.1705% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.6126% | 2,464 |
| Noncurrent loans to loans | 2.5382% | 2,848 |
| Net loans and leases to total assets | 75.6446% | 2,276 |
| Net loans and leases to deposits | 84.2738% | 3,829 |
| Net loans and leases to core deposits | 137.7418% | 1,115 |
| Total domestic deposits to total assets | 89.7605% | 929 |
| Equity capital to assets | 9.2256% | 4,970 |
| Core capital (leverage) ratio | 9.1802% | 4,330 |
| Tier 1 risk-based capital ratio | 12.3036% | 4,671 |
| Total risk-based capital ratio | 13.3687% | 4,736 |
| Memoranda: | ||
| Average total assets | $96,437,330 | 5,269 |
| Average earning assets | $86,409,330 | 5,323 |
| Average equity | $9,051,000 | 5,665 |
| Average total loans | $74,311,670 | 4,800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1360% | 271 |
| Cost of funding earning assets | 2.6317% | 1,478 |
| Net interest margin | 4.5043% | 1,117 |
| Noninterest income to average assets | 0.7728% | 2,465 |
| Noninterest expense to average assets | 3.0995% | 3,380 |
| Loan and lease loss provision to assets | 0.3116% | 3,474 |
| Net operating income to assets | 0.7146% | 3,480 |
| Return on assets (ROA) | 0.7146% | 3,679 |
| Pretax return on assets | 1.4292% | 1,885 |
| Return on Equity (ROE) | 7.5497% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.5497% | 2,002 |
| Net charge-offs to loans | 0.0215% | 5,256 |
| Credit loss provision to net charge-offs | 1,875.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 104.7500% | 417 |
| Efficiency ratio | 64.0343% | 5,684 |
| Assets per employee ($millions) | 4.0601% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,668 |
| Loan loss allowance to noncurrent loans | 384.5411% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.9831% | 4,736 |
| Noncurrent loans to loans | 0.2790% | 6,741 |
| Net loans and leases to total assets | 75.3340% | 2,423 |
| Net loans and leases to deposits | 83.9330% | 3,996 |
| Net loans and leases to core deposits | 136.1860% | 1,297 |
| Total domestic deposits to total assets | 89.7549% | 910 |
| Equity capital to assets | 9.4518% | 4,741 |
| Core capital (leverage) ratio | 9.2366% | 4,353 |
| Tier 1 risk-based capital ratio | 12.2662% | 4,736 |
| Total risk-based capital ratio | 13.3758% | 4,747 |
| Memoranda: | ||
| Average total assets | $96,274,500 | 5,297 |
| Average earning assets | $86,939,500 | 5,320 |
| Average equity | $9,113,000 | 5,659 |
| Average total loans | $74,492,500 | 4,823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5836% | 348 |
| Cost of funding earning assets | 3.0862% | 1,549 |
| Net interest margin | 4.4974% | 1,430 |
| Noninterest income to average assets | 0.7747% | 2,645 |
| Noninterest expense to average assets | 2.9483% | 4,263 |
| Loan and lease loss provision to assets | 0.5333% | 2,686 |
| Net operating income to assets | 1.0028% | 2,545 |
| Return on assets (ROA) | 1.0284% | 2,327 |
| Pretax return on assets | 1.4842% | 1,726 |
| Return on Equity (ROE) | 10.9066% | 1,933 |
| Retained earnings to average equity (ytd only) | 8.8467% | 632 |
| Net charge-offs to loans | 0.5963% | 2,043 |
| Credit loss provision to net charge-offs | 116.1369% | 4,644 |
| Earnings coverage of net charge-offs (x) | 4.3130% | 4,029 |
| Efficiency ratio | 59.8178% | 6,386 |
| Assets per employee ($millions) | 4.1351% | 3,243 |
| Cash dividends to net income (ytd only)* | 18.8865% | 4,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 6,266 |
| Loan loss allowance to noncurrent loans | 204.2254% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 3,937 |
| Noncurrent loans to loans | 0.4747% | 5,923 |
| Net loans and leases to total assets | 77.8670% | 2,175 |
| Net loans and leases to deposits | 88.5743% | 3,710 |
| Net loans and leases to core deposits | 139.9573% | 1,271 |
| Total domestic deposits to total assets | 87.9115% | 1,505 |
| Equity capital to assets | 9.4798% | 4,716 |
| Core capital (leverage) ratio | 9.4369% | 4,104 |
| Tier 1 risk-based capital ratio | 11.9602% | 4,852 |
| Total risk-based capital ratio | 12.9653% | 4,948 |
| Memoranda: | ||
| Average total assets | $89,069,200 | 5,388 |
| Average earning assets | $82,269,800 | 5,362 |
| Average equity | $8,398,600 | 5,946 |
| Average total loans | $68,593,000 | 4,925 |