Home > Peoples Exchange Bank > Performance and Condition Ratios
Peoples Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 2,432 |
| Cost of funding earning assets | 1.2615% | 2,626 |
| Net interest margin | 3.5618% | 2,039 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 3.0254% | 1,094 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7685% | 2,982 |
| Return on assets (ROA) | 0.7685% | 2,958 |
| Pretax return on assets | 0.9599% | 2,780 |
| Return on Equity (ROE) | 9.1800% | 2,712 |
| Retained earnings to average equity (ytd only) | 5.5833% | 2,383 |
| Net charge-offs to loans | 0.0217% | 1,899 |
| Credit loss provision to net charge-offs | 168.8172% | 1,356 |
| Earnings coverage of net charge-offs (x) | 56.7204% | 1,221 |
| Efficiency ratio | 75.2072% | 1,331 |
| Assets per employee ($millions) | 5.7356% | 3,038 |
| Cash dividends to net income (ytd only)* | 39.1581% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,559 |
| Loan loss allowance to noncurrent loans | 365.5223% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 1,957 |
| Noncurrent loans to loans | 0.3141% | 2,064 |
| Net loans and leases to total assets | 79.0800% | 754 |
| Net loans and leases to deposits | 93.5856% | 971 |
| Net loans and leases to core deposits | 102.6000% | 1,299 |
| Total domestic deposits to total assets | 84.5000% | 2,468 |
| Equity capital to assets | 8.5660% | 3,000 |
| Core capital (leverage) ratio | 9.3125% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $531,703,800 | 1,663 |
| Average earning assets | $497,105,000 | 1,645 |
| Average equity | $44,525,400 | 1,747 |
| Average total loans | $429,183,200 | 1,397 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 2,451 |
| Cost of funding earning assets | 1.1337% | 2,650 |
| Net interest margin | 3.5752% | 2,065 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 3.0594% | 976 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7461% | 3,184 |
| Return on assets (ROA) | 0.7461% | 3,180 |
| Pretax return on assets | 0.9404% | 3,003 |
| Return on Equity (ROE) | 8.9600% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.3255% | 2,834 |
| Net charge-offs to loans | 0.0143% | 1,877 |
| Credit loss provision to net charge-offs | 417.3913% | 704 |
| Earnings coverage of net charge-offs (x) | 85.4783% | 1,008 |
| Efficiency ratio | 75.4126% | 1,231 |
| Assets per employee ($millions) | 5.6145% | 3,092 |
| Cash dividends to net income (ytd only)* | 40.5817% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,590 |
| Loan loss allowance to noncurrent loans | 2,059.1093% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 3,349 |
| Noncurrent loans to loans | 0.0562% | 3,353 |
| Net loans and leases to total assets | 80.6700% | 575 |
| Net loans and leases to deposits | 95.3446% | 794 |
| Net loans and leases to core deposits | 105.1636% | 1,055 |
| Total domestic deposits to total assets | 84.6000% | 2,622 |
| Equity capital to assets | 8.1810% | 2,939 |
| Core capital (leverage) ratio | 9.3335% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $528,410,250 | 1,672 |
| Average earning assets | $493,614,250 | 1,651 |
| Average equity | $43,988,250 | 1,752 |
| Average total loans | $427,509,750 | 1,394 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 2,500 |
| Cost of funding earning assets | 0.9945% | 2,623 |
| Net interest margin | 3.5675% | 2,104 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.0955% | 912 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7369% | 3,250 |
| Return on assets (ROA) | 0.7369% | 3,260 |
| Pretax return on assets | 0.9290% | 3,100 |
| Return on Equity (ROE) | 8.8000% | 3,033 |
| Retained earnings to average equity (ytd only) | 5.1601% | 2,904 |
| Net charge-offs to loans | 0.0094% | 1,851 |
| Credit loss provision to net charge-offs | 380.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 126.4000% | 821 |
| Efficiency ratio | 76.1641% | 1,160 |
| Assets per employee ($millions) | 5.3887% | 3,245 |
| Cash dividends to net income (ytd only)* | 41.3650% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 2,670 |
| Loan loss allowance to noncurrent loans | 8,190.1639% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,547 |
| Noncurrent loans to loans | 0.0141% | 3,676 |
| Net loans and leases to total assets | 80.7400% | 551 |
| Net loans and leases to deposits | 96.6373% | 696 |
| Net loans and leases to core deposits | 105.0541% | 1,016 |
| Total domestic deposits to total assets | 83.5500% | 2,923 |
| Equity capital to assets | 8.3936% | 2,954 |
| Core capital (leverage) ratio | 9.4550% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $524,882,667 | 1,675 |
| Average earning assets | $490,097,000 | 1,659 |
| Average equity | $43,952,667 | 1,753 |
| Average total loans | $423,391,000 | 1,395 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 2,534 |
| Cost of funding earning assets | 0.8427% | 2,560 |
| Net interest margin | 3.5650% | 2,210 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.1402% | 880 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.7537% | 3,337 |
| Return on assets (ROA) | 0.7537% | 3,290 |
| Pretax return on assets | 0.9494% | 3,129 |
| Return on Equity (ROE) | 9.0100% | 3,047 |
| Retained earnings to average equity (ytd only) | 5.3558% | 2,937 |
| Net charge-offs to loans | 0.0067% | 1,702 |
| Credit loss provision to net charge-offs | 185.7143% | 857 |
| Earnings coverage of net charge-offs (x) | 179.8571% | 536 |
| Efficiency ratio | 76.4487% | 1,133 |
| Assets per employee ($millions) | 5.5616% | 3,153 |
| Cash dividends to net income (ytd only)* | 40.5680% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,677 |
| Loan loss allowance to noncurrent loans | 1,351.3661% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 2,971 |
| Noncurrent loans to loans | 0.0871% | 3,116 |
| Net loans and leases to total assets | 79.4300% | 599 |
| Net loans and leases to deposits | 93.1392% | 841 |
| Net loans and leases to core deposits | 102.2203% | 993 |
| Total domestic deposits to total assets | 85.2800% | 2,785 |
| Equity capital to assets | 8.4903% | 2,905 |
| Core capital (leverage) ratio | 9.3927% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $523,277,500 | 1,696 |
| Average earning assets | $487,971,500 | 1,684 |
| Average equity | $43,766,000 | 1,773 |
| Average total loans | $419,396,000 | 1,419 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 1,569 |
| Cost of funding earning assets | 0.3294% | 2,639 |
| Net interest margin | 3.7264% | 1,317 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.8751% | 1,168 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9450% | 2,791 |
| Return on assets (ROA) | 0.9450% | 2,734 |
| Pretax return on assets | 1.1960% | 2,450 |
| Return on Equity (ROE) | 11.1500% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.4729% | 2,038 |
| Net charge-offs to loans | 0.0174% | 1,764 |
| Credit loss provision to net charge-offs | 801.4706% | 492 |
| Earnings coverage of net charge-offs (x) | 98.3235% | 980 |
| Efficiency ratio | 68.7290% | 1,874 |
| Assets per employee ($millions) | 5.5720% | 3,149 |
| Cash dividends to net income (ytd only)* | 32.9761% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,625 |
| Loan loss allowance to noncurrent loans | 18,576.9231% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,671 |
| Noncurrent loans to loans | 0.0062% | 3,823 |
| Net loans and leases to total assets | 79.0000% | 694 |
| Net loans and leases to deposits | 89.5287% | 1,084 |
| Net loans and leases to core deposits | 98.1259% | 1,096 |
| Total domestic deposits to total assets | 88.2400% | 1,998 |
| Equity capital to assets | 8.2376% | 2,908 |
| Core capital (leverage) ratio | 9.3781% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $513,449,400 | 1,687 |
| Average earning assets | $479,929,800 | 1,678 |
| Average equity | $43,517,000 | 1,802 |
| Average total loans | $391,669,000 | 1,421 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 1,344 |
| Cost of funding earning assets | 0.2727% | 2,459 |
| Net interest margin | 3.6882% | 1,169 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.8322% | 1,185 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9398% | 2,711 |
| Return on assets (ROA) | 0.9398% | 2,677 |
| Pretax return on assets | 1.1880% | 2,413 |
| Return on Equity (ROE) | 11.0100% | 2,375 |
| Retained earnings to average equity (ytd only) | 7.3407% | 2,252 |
| Net charge-offs to loans | 0.0180% | 1,483 |
| Credit loss provision to net charge-offs | 1,048.0769% | 397 |
| Earnings coverage of net charge-offs (x) | 98.0192% | 960 |
| Efficiency ratio | 67.9416% | 2,036 |
| Assets per employee ($millions) | 5.8144% | 2,917 |
| Cash dividends to net income (ytd only)* | 33.3241% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 2,592 |
| Loan loss allowance to noncurrent loans | 4,141.8803% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,718 |
| Noncurrent loans to loans | 0.0287% | 3,693 |
| Net loans and leases to total assets | 78.7700% | 634 |
| Net loans and leases to deposits | 89.5971% | 915 |
| Net loans and leases to core deposits | 95.8734% | 1,007 |
| Total domestic deposits to total assets | 87.9100% | 2,456 |
| Equity capital to assets | 8.1294% | 2,816 |
| Core capital (leverage) ratio | 9.3690% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $510,869,500 | 1,701 |
| Average earning assets | $478,125,250 | 1,689 |
| Average equity | $43,609,750 | 1,833 |
| Average total loans | $384,931,000 | 1,435 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 1,235 |
| Cost of funding earning assets | 0.2596% | 2,148 |
| Net interest margin | 3.5749% | 1,120 |
| Noninterest income to average assets | 0.7101% | 1,292 |
| Noninterest expense to average assets | 2.7752% | 1,217 |
| Loan and lease loss provision to assets | 0.1704% | 532 |
| Net operating income to assets | 0.8923% | 2,614 |
| Return on assets (ROA) | 0.8923% | 2,588 |
| Pretax return on assets | 1.1202% | 2,336 |
| Return on Equity (ROE) | 10.2888% | 2,234 |
| Retained earnings to average equity (ytd only) | 6.6755% | 2,099 |
| Net charge-offs to loans | 0.0148% | 1,466 |
| Credit loss provision to net charge-offs | 1,553.5714% | 290 |
| Earnings coverage of net charge-offs (x) | 117.6786% | 748 |
| Efficiency ratio | 68.1503% | 2,217 |
| Assets per employee ($millions) | 5.6590% | 3,080 |
| Cash dividends to net income (ytd only)* | 35.1185% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,747 |
| Loan loss allowance to noncurrent loans | 6,611.1111% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,882 |
| Noncurrent loans to loans | 0.0180% | 3,832 |
| Net loans and leases to total assets | 77.7050% | 574 |
| Net loans and leases to deposits | 87.7426% | 851 |
| Net loans and leases to core deposits | 93.1741% | 961 |
| Total domestic deposits to total assets | 88.5601% | 2,354 |
| Equity capital to assets | 8.3808% | 2,852 |
| Core capital (leverage) ratio | 9.1988% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,602,333 | 1,708 |
| Average earning assets | $479,284,333 | 1,699 |
| Average equity | $44,281,000 | 1,852 |
| Average total loans | $377,284,333 | 1,450 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 1,417 |
| Cost of funding earning assets | 0.2662% | 1,962 |
| Net interest margin | 3.3669% | 1,379 |
| Noninterest income to average assets | 0.7198% | 1,255 |
| Noninterest expense to average assets | 2.7697% | 1,215 |
| Loan and lease loss provision to assets | 0.0587% | 1,348 |
| Net operating income to assets | 0.8372% | 2,529 |
| Return on assets (ROA) | 0.8372% | 2,523 |
| Pretax return on assets | 1.0586% | 2,266 |
| Return on Equity (ROE) | 9.4943% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.9451% | 2,270 |
| Net charge-offs to loans | 0.0109% | 1,361 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 142.8000% | 556 |
| Efficiency ratio | 71.1554% | 2,084 |
| Assets per employee ($millions) | 6.2277% | 2,613 |
| Cash dividends to net income (ytd only)* | 37.3832% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,913 |
| Loan loss allowance to noncurrent loans | 2,629.7619% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,713 |
| Noncurrent loans to loans | 0.0452% | 3,654 |
| Net loans and leases to total assets | 71.0281% | 919 |
| Net loans and leases to deposits | 80.3707% | 1,119 |
| Net loans and leases to core deposits | 85.4435% | 1,162 |
| Total domestic deposits to total assets | 88.3755% | 2,342 |
| Equity capital to assets | 8.5071% | 3,155 |
| Core capital (leverage) ratio | 9.1605% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $511,250,000 | 1,714 |
| Average earning assets | $480,921,000 | 1,703 |
| Average equity | $45,079,500 | 1,888 |
| Average total loans | $365,668,000 | 1,476 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 1,192 |
| Cost of funding earning assets | 0.3872% | 1,633 |
| Net interest margin | 3.6975% | 1,221 |
| Noninterest income to average assets | 0.7857% | 1,487 |
| Noninterest expense to average assets | 2.8362% | 1,274 |
| Loan and lease loss provision to assets | 0.0205% | 2,657 |
| Net operating income to assets | 1.1020% | 2,291 |
| Return on assets (ROA) | 1.1021% | 2,352 |
| Pretax return on assets | 1.4050% | 2,038 |
| Return on Equity (ROE) | 12.0869% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.4843% | 1,350 |
| Net charge-offs to loans | -0.0014% | 3,314 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4531% | 2,201 |
| Assets per employee ($millions) | 6.0916% | 2,681 |
| Cash dividends to net income (ytd only)* | 29.8063% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,837 |
| Loan loss allowance to noncurrent loans | 4,487.6289% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,944 |
| Noncurrent loans to loans | 0.0270% | 3,878 |
| Net loans and leases to total assets | 70.2969% | 1,014 |
| Net loans and leases to deposits | 79.8591% | 1,230 |
| Net loans and leases to core deposits | 85.2914% | 1,241 |
| Total domestic deposits to total assets | 88.0261% | 2,033 |
| Equity capital to assets | 9.1349% | 3,477 |
| Core capital (leverage) ratio | 9.0311% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,059,800 | 1,726 |
| Average earning assets | $457,850,800 | 1,719 |
| Average equity | $44,411,600 | 1,938 |
| Average total loans | $360,527,400 | 1,489 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 1,209 |
| Cost of funding earning assets | 0.4177% | 1,560 |
| Net interest margin | 3.7255% | 1,286 |
| Noninterest income to average assets | 0.8078% | 1,495 |
| Noninterest expense to average assets | 2.8268% | 1,280 |
| Loan and lease loss provision to assets | 0.0207% | 2,576 |
| Net operating income to assets | 1.1476% | 2,376 |
| Return on assets (ROA) | 1.1478% | 2,434 |
| Pretax return on assets | 1.4587% | 2,119 |
| Return on Equity (ROE) | 12.5937% | 1,830 |
| Retained earnings to average equity (ytd only) | 8.9548% | 1,715 |
| Net charge-offs to loans | -0.0152% | 3,852 |
| Credit loss provision to net charge-offs | -182.9268% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5456% | 2,168 |
| Assets per employee ($millions) | 5.6074% | 3,092 |
| Cash dividends to net income (ytd only)* | 28.8948% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,981 |
| Loan loss allowance to noncurrent loans | 1,711.3725% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,797 |
| Noncurrent loans to loans | 0.0702% | 3,743 |
| Net loans and leases to total assets | 71.8805% | 886 |
| Net loans and leases to deposits | 82.2409% | 1,102 |
| Net loans and leases to core deposits | 87.5681% | 1,182 |
| Total domestic deposits to total assets | 87.4024% | 2,156 |
| Equity capital to assets | 9.1227% | 3,724 |
| Core capital (leverage) ratio | 9.1163% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $482,424,750 | 1,760 |
| Average earning assets | $452,976,250 | 1,749 |
| Average equity | $43,968,000 | 1,972 |
| Average total loans | $360,715,750 | 1,516 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 1,543 |
| Cost of funding earning assets | 0.4667% | 1,407 |
| Net interest margin | 3.5428% | 1,739 |
| Noninterest income to average assets | 0.8187% | 1,482 |
| Noninterest expense to average assets | 2.7965% | 1,362 |
| Loan and lease loss provision to assets | 0.0315% | 2,354 |
| Net operating income to assets | 1.0544% | 2,701 |
| Return on assets (ROA) | 1.0544% | 2,780 |
| Pretax return on assets | 1.3144% | 2,588 |
| Return on Equity (ROE) | 11.5725% | 2,210 |
| Retained earnings to average equity (ytd only) | 7.8899% | 2,114 |
| Net charge-offs to loans | -0.0200% | 3,996 |
| Credit loss provision to net charge-offs | -208.3333% | 3,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3990% | 1,949 |
| Assets per employee ($millions) | 5.5502% | 3,069 |
| Cash dividends to net income (ytd only)* | 31.8218% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,848 |
| Loan loss allowance to noncurrent loans | 873.5471% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 3,538 |
| Noncurrent loans to loans | 0.1390% | 3,504 |
| Net loans and leases to total assets | 72.5947% | 896 |
| Net loans and leases to deposits | 82.6443% | 1,157 |
| Net loans and leases to core deposits | 88.1907% | 1,256 |
| Total domestic deposits to total assets | 87.8400% | 1,918 |
| Equity capital to assets | 9.0760% | 3,731 |
| Core capital (leverage) ratio | 8.9634% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,878,667 | 1,769 |
| Average earning assets | $447,388,000 | 1,769 |
| Average equity | $43,448,000 | 1,974 |
| Average total loans | $359,923,333 | 1,523 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 1,600 |
| Cost of funding earning assets | 0.5601% | 1,051 |
| Net interest margin | 3.4458% | 1,974 |
| Noninterest income to average assets | 0.8508% | 1,457 |
| Noninterest expense to average assets | 2.7450% | 1,498 |
| Loan and lease loss provision to assets | 0.0637% | 1,865 |
| Net operating income to assets | 0.9858% | 2,854 |
| Return on assets (ROA) | 0.9858% | 2,951 |
| Pretax return on assets | 1.2702% | 2,655 |
| Return on Equity (ROE) | 10.7981% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.0778% | 2,552 |
| Net charge-offs to loans | -0.0455% | 4,354 |
| Credit loss provision to net charge-offs | -182.9268% | 2,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1940% | 2,043 |
| Assets per employee ($millions) | 5.4097% | 3,209 |
| Cash dividends to net income (ytd only)* | 34.4531% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,961 |
| Loan loss allowance to noncurrent loans | 1,426.1438% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,923 |
| Noncurrent loans to loans | 0.0838% | 3,884 |
| Net loans and leases to total assets | 74.9690% | 717 |
| Net loans and leases to deposits | 85.5073% | 994 |
| Net loans and leases to core deposits | 91.3890% | 1,148 |
| Total domestic deposits to total assets | 87.6756% | 2,006 |
| Equity capital to assets | 9.0058% | 3,681 |
| Core capital (leverage) ratio | 9.1625% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $471,108,000 | 1,776 |
| Average earning assets | $441,343,000 | 1,775 |
| Average equity | $43,007,500 | 1,984 |
| Average total loans | $360,422,000 | 1,521 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 1,333 |
| Cost of funding earning assets | 0.7218% | 1,606 |
| Net interest margin | 3.7702% | 1,586 |
| Noninterest income to average assets | 0.9535% | 1,140 |
| Noninterest expense to average assets | 3.0754% | 1,280 |
| Loan and lease loss provision to assets | 0.0688% | 3,521 |
| Net operating income to assets | 1.0966% | 1,937 |
| Return on assets (ROA) | 1.0983% | 2,049 |
| Pretax return on assets | 1.3262% | 1,896 |
| Return on Equity (ROE) | 11.7088% | 1,407 |
| Retained earnings to average equity (ytd only) | 7.7993% | 1,115 |
| Net charge-offs to loans | 0.0259% | 2,515 |
| Credit loss provision to net charge-offs | 329.6703% | 1,643 |
| Earnings coverage of net charge-offs (x) | 66.7802% | 1,005 |
| Efficiency ratio | 68.7202% | 2,135 |
| Assets per employee ($millions) | 5.1194% | 3,265 |
| Cash dividends to net income (ytd only)* | 33.3890% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,978 |
| Loan loss allowance to noncurrent loans | 1,041.1765% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,883 |
| Noncurrent loans to loans | 0.1148% | 3,828 |
| Net loans and leases to total assets | 76.2413% | 758 |
| Net loans and leases to deposits | 88.5091% | 1,041 |
| Net loans and leases to core deposits | 95.0562% | 1,178 |
| Total domestic deposits to total assets | 86.1395% | 2,310 |
| Equity capital to assets | 9.2578% | 3,836 |
| Core capital (leverage) ratio | 9.0243% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,299,600 | 1,744 |
| Average earning assets | $406,737,200 | 1,745 |
| Average equity | $40,926,600 | 1,993 |
| Average total loans | $350,701,800 | 1,505 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,560 |
| Cost of funding earning assets | 0.7549% | 1,709 |
| Net interest margin | 3.7491% | 1,769 |
| Noninterest income to average assets | 0.9512% | 1,118 |
| Noninterest expense to average assets | 3.1006% | 1,238 |
| Loan and lease loss provision to assets | 0.0774% | 3,350 |
| Net operating income to assets | 1.0858% | 2,035 |
| Return on assets (ROA) | 1.0882% | 2,153 |
| Pretax return on assets | 1.2698% | 2,156 |
| Return on Equity (ROE) | 11.5601% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.6091% | 1,456 |
| Net charge-offs to loans | 0.0294% | 2,249 |
| Credit loss provision to net charge-offs | 324.6753% | 1,685 |
| Earnings coverage of net charge-offs (x) | 56.3377% | 1,126 |
| Efficiency ratio | 69.6416% | 1,939 |
| Assets per employee ($millions) | 4.9835% | 3,270 |
| Cash dividends to net income (ytd only)* | 34.1783% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,882 |
| Loan loss allowance to noncurrent loans | 1,284.1463% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,070 |
| Noncurrent loans to loans | 0.0904% | 4,006 |
| Net loans and leases to total assets | 79.0820% | 701 |
| Net loans and leases to deposits | 93.0966% | 997 |
| Net loans and leases to core deposits | 99.9134% | 1,170 |
| Total domestic deposits to total assets | 84.9462% | 2,461 |
| Equity capital to assets | 9.2075% | 3,947 |
| Core capital (leverage) ratio | 9.1879% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,187,250 | 1,744 |
| Average earning assets | $400,904,000 | 1,741 |
| Average equity | $40,494,500 | 1,991 |
| Average total loans | $349,495,000 | 1,500 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,635 |
| Cost of funding earning assets | 0.8037% | 1,806 |
| Net interest margin | 3.8040% | 1,824 |
| Noninterest income to average assets | 0.8679% | 1,242 |
| Noninterest expense to average assets | 3.1348% | 1,277 |
| Loan and lease loss provision to assets | 0.0710% | 3,408 |
| Net operating income to assets | 1.0247% | 2,238 |
| Return on assets (ROA) | 1.0284% | 2,353 |
| Pretax return on assets | 1.2069% | 2,344 |
| Return on Equity (ROE) | 10.8399% | 1,688 |
| Retained earnings to average equity (ytd only) | 6.8473% | 1,719 |
| Net charge-offs to loans | 0.0214% | 2,291 |
| Credit loss provision to net charge-offs | 405.4054% | 1,394 |
| Earnings coverage of net charge-offs (x) | 72.7027% | 862 |
| Efficiency ratio | 70.9913% | 1,825 |
| Assets per employee ($millions) | 4.8325% | 3,383 |
| Cash dividends to net income (ytd only)* | 36.8324% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,609 |
| Loan loss allowance to noncurrent loans | 770.3154% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 3,834 |
| Noncurrent loans to loans | 0.1532% | 3,846 |
| Net loans and leases to total assets | 79.0456% | 715 |
| Net loans and leases to deposits | 93.4727% | 1,010 |
| Net loans and leases to core deposits | 100.5528% | 1,219 |
| Total domestic deposits to total assets | 84.5654% | 2,540 |
| Equity capital to assets | 9.2960% | 3,833 |
| Core capital (leverage) ratio | 9.3329% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,416,667 | 1,740 |
| Average earning assets | $393,161,667 | 1,741 |
| Average equity | $40,074,000 | 1,997 |
| Average total loans | $345,044,000 | 1,498 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 1,422 |
| Cost of funding earning assets | 0.8882% | 1,931 |
| Net interest margin | 3.9094% | 1,651 |
| Noninterest income to average assets | 0.9532% | 948 |
| Noninterest expense to average assets | 3.2097% | 1,405 |
| Loan and lease loss provision to assets | 0.1063% | 2,353 |
| Net operating income to assets | 1.0831% | 1,895 |
| Return on assets (ROA) | 1.0905% | 1,974 |
| Pretax return on assets | 1.2800% | 1,931 |
| Return on Equity (ROE) | 11.3735% | 1,296 |
| Retained earnings to average equity (ytd only) | 7.3404% | 1,429 |
| Net charge-offs to loans | 0.0445% | 1,583 |
| Credit loss provision to net charge-offs | 289.4737% | 1,204 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,058 |
| Efficiency ratio | 69.8630% | 2,373 |
| Assets per employee ($millions) | 4.4158% | 3,388 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,715 |
| Loan loss allowance to noncurrent loans | 569.3906% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,723 |
| Noncurrent loans to loans | 0.2092% | 3,729 |
| Net loans and leases to total assets | 83.0271% | 354 |
| Net loans and leases to deposits | 98.4600% | 664 |
| Net loans and leases to core deposits | 105.9717% | 1,062 |
| Total domestic deposits to total assets | 84.3257% | 2,660 |
| Equity capital to assets | 9.7792% | 3,972 |
| Core capital (leverage) ratio | 9.7211% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,745,000 | 1,727 |
| Average earning assets | $384,608,000 | 1,725 |
| Average equity | $39,671,000 | 1,995 |
| Average total loans | $341,684,500 | 1,482 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 2,144 |
| Cost of funding earning assets | 0.9081% | 2,160 |
| Net interest margin | 3.8573% | 2,314 |
| Noninterest income to average assets | 0.8831% | 1,212 |
| Noninterest expense to average assets | 3.1843% | 1,560 |
| Loan and lease loss provision to assets | 0.0620% | 2,794 |
| Net operating income to assets | 1.0611% | 2,611 |
| Return on assets (ROA) | 1.0611% | 2,706 |
| Pretax return on assets | 1.2331% | 2,726 |
| Return on Equity (ROE) | 11.5415% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.3090% | 1,252 |
| Net charge-offs to loans | 0.0503% | 2,395 |
| Credit loss provision to net charge-offs | 152.6946% | 1,673 |
| Earnings coverage of net charge-offs (x) | 31.8862% | 1,524 |
| Efficiency ratio | 70.9523% | 2,031 |
| Assets per employee ($millions) | 4.3876% | 3,389 |
| Cash dividends to net income (ytd only)* | 36.6720% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,463 |
| Loan loss allowance to noncurrent loans | 508.0503% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 3,635 |
| Noncurrent loans to loans | 0.2350% | 3,606 |
| Net loans and leases to total assets | 80.1909% | 755 |
| Net loans and leases to deposits | 95.0552% | 1,042 |
| Net loans and leases to core deposits | 104.7135% | 1,183 |
| Total domestic deposits to total assets | 84.3625% | 2,730 |
| Equity capital to assets | 9.4001% | 4,428 |
| Core capital (leverage) ratio | 9.3487% | 4,228 |
| Tier 1 risk-based capital ratio | 12.9666% | 3,807 |
| Total risk-based capital ratio | 14.2178% | 3,684 |
| Memoranda: | ||
| Average total assets | $411,169,200 | 1,706 |
| Average earning assets | $383,347,400 | 1,691 |
| Average equity | $37,802,600 | 2,016 |
| Average total loans | $331,936,400 | 1,495 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 2,298 |
| Cost of funding earning assets | 0.8927% | 2,266 |
| Net interest margin | 3.8478% | 2,446 |
| Noninterest income to average assets | 0.8792% | 1,192 |
| Noninterest expense to average assets | 3.2041% | 1,462 |
| Loan and lease loss provision to assets | 0.0830% | 2,247 |
| Net operating income to assets | 1.0308% | 2,856 |
| Return on assets (ROA) | 1.0308% | 2,938 |
| Pretax return on assets | 1.1812% | 3,039 |
| Return on Equity (ROE) | 11.2764% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.0050% | 1,861 |
| Net charge-offs to loans | 0.0509% | 2,101 |
| Credit loss provision to net charge-offs | 202.3810% | 1,297 |
| Earnings coverage of net charge-offs (x) | 30.8326% | 1,597 |
| Efficiency ratio | 71.5919% | 1,889 |
| Assets per employee ($millions) | 4.5124% | 3,186 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,525 |
| Loan loss allowance to noncurrent loans | 336.9116% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 3,237 |
| Noncurrent loans to loans | 0.3553% | 3,267 |
| Net loans and leases to total assets | 81.1224% | 695 |
| Net loans and leases to deposits | 96.8108% | 919 |
| Net loans and leases to core deposits | 106.4169% | 1,156 |
| Total domestic deposits to total assets | 83.7948% | 2,894 |
| Equity capital to assets | 9.2702% | 4,618 |
| Core capital (leverage) ratio | 9.2857% | 4,383 |
| Tier 1 risk-based capital ratio | 12.3175% | 4,250 |
| Total risk-based capital ratio | 13.5683% | 4,127 |
| Memoranda: | ||
| Average total assets | $409,755,500 | 1,721 |
| Average earning assets | $382,197,000 | 1,710 |
| Average equity | $37,457,750 | 2,043 |
| Average total loans | $330,347,000 | 1,502 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 2,369 |
| Cost of funding earning assets | 0.8674% | 2,313 |
| Net interest margin | 3.8289% | 2,484 |
| Noninterest income to average assets | 0.8305% | 1,250 |
| Noninterest expense to average assets | 3.2253% | 1,451 |
| Loan and lease loss provision to assets | 0.0539% | 2,742 |
| Net operating income to assets | 1.0089% | 2,889 |
| Return on assets (ROA) | 1.0089% | 2,963 |
| Pretax return on assets | 1.1197% | 3,177 |
| Return on Equity (ROE) | 11.0897% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.7788% | 1,915 |
| Net charge-offs to loans | 0.0587% | 1,804 |
| Credit loss provision to net charge-offs | 114.5833% | 1,804 |
| Earnings coverage of net charge-offs (x) | 24.9375% | 1,612 |
| Efficiency ratio | 73.1974% | 1,749 |
| Assets per employee ($millions) | 4.5138% | 3,120 |
| Cash dividends to net income (ytd only)* | 38.8727% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,489 |
| Loan loss allowance to noncurrent loans | 396.1039% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,548 |
| Noncurrent loans to loans | 0.3046% | 3,456 |
| Net loans and leases to total assets | 78.1925% | 1,191 |
| Net loans and leases to deposits | 94.1469% | 1,247 |
| Net loans and leases to core deposits | 103.5784% | 1,424 |
| Total domestic deposits to total assets | 83.0537% | 3,178 |
| Equity capital to assets | 9.1062% | 4,736 |
| Core capital (leverage) ratio | 9.1031% | 4,546 |
| Tier 1 risk-based capital ratio | 12.8310% | 3,926 |
| Total risk-based capital ratio | 14.0825% | 3,830 |
| Memoranda: | ||
| Average total assets | $407,961,330 | 1,733 |
| Average earning assets | $380,211,000 | 1,724 |
| Average equity | $37,115,670 | 2,057 |
| Average total loans | $326,846,000 | 1,527 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 2,385 |
| Cost of funding earning assets | 0.8188% | 2,432 |
| Net interest margin | 3.8287% | 2,423 |
| Noninterest income to average assets | 0.8370% | 1,196 |
| Noninterest expense to average assets | 3.3321% | 1,222 |
| Loan and lease loss provision to assets | 0.0297% | 3,023 |
| Net operating income to assets | 1.0319% | 2,738 |
| Return on assets (ROA) | 1.0319% | 2,775 |
| Pretax return on assets | 1.0418% | 3,307 |
| Return on Equity (ROE) | 11.3474% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.9956% | 2,046 |
| Net charge-offs to loans | 0.0970% | 1,167 |
| Credit loss provision to net charge-offs | 37.9747% | 2,043 |
| Earnings coverage of net charge-offs (x) | 13.7089% | 1,832 |
| Efficiency ratio | 75.5561% | 1,551 |
| Assets per employee ($millions) | 4.3895% | 3,347 |
| Cash dividends to net income (ytd only)* | 38.3509% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,587 |
| Loan loss allowance to noncurrent loans | 490.2010% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,800 |
| Noncurrent loans to loans | 0.2445% | 3,690 |
| Net loans and leases to total assets | 77.9569% | 1,160 |
| Net loans and leases to deposits | 94.0807% | 1,169 |
| Net loans and leases to core deposits | 103.2497% | 1,368 |
| Total domestic deposits to total assets | 82.8618% | 3,432 |
| Equity capital to assets | 8.9988% | 4,684 |
| Core capital (leverage) ratio | 9.2139% | 4,458 |
| Tier 1 risk-based capital ratio | 12.5921% | 4,109 |
| Total risk-based capital ratio | 13.8432% | 3,987 |
| Memoranda: | ||
| Average total assets | $404,309,500 | 1,754 |
| Average earning assets | $376,628,000 | 1,745 |
| Average equity | $36,766,000 | 2,066 |
| Average total loans | $325,933,500 | 1,535 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 2,152 |
| Cost of funding earning assets | 0.5727% | 2,903 |
| Net interest margin | 4.0189% | 1,926 |
| Noninterest income to average assets | 0.8947% | 1,188 |
| Noninterest expense to average assets | 3.3757% | 1,190 |
| Loan and lease loss provision to assets | 0.0918% | 2,315 |
| Net operating income to assets | 0.9866% | 3,072 |
| Return on assets (ROA) | 0.9866% | 3,070 |
| Pretax return on assets | 1.1606% | 3,056 |
| Return on Equity (ROE) | 10.7687% | 2,175 |
| Retained earnings to average equity (ytd only) | 6.4379% | 1,958 |
| Net charge-offs to loans | 0.0447% | 2,534 |
| Credit loss provision to net charge-offs | 248.5915% | 1,197 |
| Earnings coverage of net charge-offs (x) | 33.9014% | 1,479 |
| Efficiency ratio | 72.8203% | 1,793 |
| Assets per employee ($millions) | 4.2129% | 3,597 |
| Cash dividends to net income (ytd only)* | 40.2162% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,514 |
| Loan loss allowance to noncurrent loans | 635.0482% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,978 |
| Noncurrent loans to loans | 0.1906% | 3,890 |
| Net loans and leases to total assets | 81.4014% | 750 |
| Net loans and leases to deposits | 101.2580% | 646 |
| Net loans and leases to core deposits | 108.7354% | 1,071 |
| Total domestic deposits to total assets | 80.3901% | 4,015 |
| Equity capital to assets | 9.1922% | 4,410 |
| Core capital (leverage) ratio | 9.4573% | 4,163 |
| Tier 1 risk-based capital ratio | 12.2730% | 4,248 |
| Total risk-based capital ratio | 13.5242% | 4,142 |
| Memoranda: | ||
| Average total assets | $384,362,000 | 1,783 |
| Average earning assets | $357,063,600 | 1,779 |
| Average equity | $35,213,200 | 2,063 |
| Average total loans | $317,504,000 | 1,523 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,140 |
| Cost of funding earning assets | 0.5454% | 2,889 |
| Net interest margin | 4.0005% | 1,955 |
| Noninterest income to average assets | 0.9007% | 1,199 |
| Noninterest expense to average assets | 3.3943% | 1,128 |
| Loan and lease loss provision to assets | 0.0769% | 2,422 |
| Net operating income to assets | 0.9728% | 3,204 |
| Return on assets (ROA) | 0.9728% | 3,218 |
| Pretax return on assets | 1.1444% | 3,217 |
| Return on Equity (ROE) | 10.6271% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.3312% | 2,471 |
| Net charge-offs to loans | 0.0436% | 2,223 |
| Credit loss provision to net charge-offs | 213.5922% | 1,319 |
| Earnings coverage of net charge-offs (x) | 33.9223% | 1,501 |
| Efficiency ratio | 73.4192% | 1,669 |
| Assets per employee ($millions) | 4.1600% | 3,634 |
| Cash dividends to net income (ytd only)* | 40.4240% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,663 |
| Loan loss allowance to noncurrent loans | 783.9431% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,857 |
| Noncurrent loans to loans | 0.1522% | 4,203 |
| Net loans and leases to total assets | 81.6849% | 763 |
| Net loans and leases to deposits | 100.7609% | 721 |
| Net loans and leases to core deposits | 107.5647% | 1,196 |
| Total domestic deposits to total assets | 81.0681% | 3,848 |
| Equity capital to assets | 9.1376% | 4,432 |
| Core capital (leverage) ratio | 9.5336% | 4,135 |
| Tier 1 risk-based capital ratio | 12.2440% | 4,350 |
| Total risk-based capital ratio | 13.4951% | 4,242 |
| Memoranda: | ||
| Average total assets | $381,450,250 | 1,800 |
| Average earning assets | $354,213,750 | 1,797 |
| Average equity | $34,916,000 | 2,082 |
| Average total loans | $315,303,250 | 1,539 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 2,028 |
| Cost of funding earning assets | 0.5283% | 2,773 |
| Net interest margin | 3.9921% | 1,887 |
| Noninterest income to average assets | 0.9100% | 1,156 |
| Noninterest expense to average assets | 3.3607% | 1,200 |
| Loan and lease loss provision to assets | 0.1057% | 1,845 |
| Net operating income to assets | 0.9724% | 3,133 |
| Return on assets (ROA) | 0.9724% | 3,137 |
| Pretax return on assets | 1.1474% | 3,141 |
| Return on Equity (ROE) | 10.6166% | 2,272 |
| Retained earnings to average equity (ytd only) | 6.2868% | 2,427 |
| Net charge-offs to loans | 0.0320% | 2,215 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 1,164 |
| Efficiency ratio | 72.7137% | 1,882 |
| Assets per employee ($millions) | 3.9974% | 3,904 |
| Cash dividends to net income (ytd only)* | 40.7830% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,494 |
| Loan loss allowance to noncurrent loans | 3,536.3636% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 4,253 |
| Noncurrent loans to loans | 0.0350% | 4,755 |
| Net loans and leases to total assets | 82.5080% | 650 |
| Net loans and leases to deposits | 100.8927% | 747 |
| Net loans and leases to core deposits | 106.0857% | 1,238 |
| Total domestic deposits to total assets | 81.7780% | 3,786 |
| Equity capital to assets | 9.3630% | 4,223 |
| Core capital (leverage) ratio | 9.3773% | 4,272 |
| Tier 1 risk-based capital ratio | 12.4733% | 4,203 |
| Total risk-based capital ratio | 13.7253% | 4,094 |
| Memoranda: | ||
| Average total assets | $378,252,670 | 1,822 |
| Average earning assets | $350,944,670 | 1,819 |
| Average equity | $34,644,000 | 2,100 |
| Average total loans | $312,644,330 | 1,548 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 2,064 |
| Cost of funding earning assets | 0.5077% | 2,734 |
| Net interest margin | 3.9300% | 1,929 |
| Noninterest income to average assets | 0.9065% | 1,136 |
| Noninterest expense to average assets | 3.3539% | 1,244 |
| Loan and lease loss provision to assets | 0.1265% | 1,489 |
| Net operating income to assets | 0.9117% | 3,241 |
| Return on assets (ROA) | 0.9117% | 3,250 |
| Pretax return on assets | 1.0730% | 3,268 |
| Return on Equity (ROE) | 10.0655% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.7018% | 2,854 |
| Net charge-offs to loans | 0.0256% | 1,989 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 56.9000% | 870 |
| Efficiency ratio | 73.5417% | 1,956 |
| Assets per employee ($millions) | 4.0418% | 3,907 |
| Cash dividends to net income (ytd only)* | 43.3526% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,663 |
| Loan loss allowance to noncurrent loans | 3,459.4595% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,201 |
| Noncurrent loans to loans | 0.0354% | 4,811 |
| Net loans and leases to total assets | 81.5673% | 716 |
| Net loans and leases to deposits | 99.0033% | 781 |
| Net loans and leases to core deposits | 104.1579% | 1,366 |
| Total domestic deposits to total assets | 82.3885% | 3,845 |
| Equity capital to assets | 9.1042% | 4,453 |
| Core capital (leverage) ratio | 9.2318% | 4,396 |
| Tier 1 risk-based capital ratio | 12.0983% | 4,496 |
| Total risk-based capital ratio | 13.3494% | 4,383 |
| Memoranda: | ||
| Average total assets | $379,502,000 | 1,829 |
| Average earning assets | $352,161,000 | 1,826 |
| Average equity | $34,375,000 | 2,128 |
| Average total loans | $312,008,000 | 1,549 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 1,795 |
| Cost of funding earning assets | 0.4460% | 2,815 |
| Net interest margin | 4.0299% | 1,656 |
| Noninterest income to average assets | 0.9183% | 1,220 |
| Noninterest expense to average assets | 3.5327% | 983 |
| Loan and lease loss provision to assets | 0.1213% | 1,892 |
| Net operating income to assets | 0.7044% | 3,585 |
| Return on assets (ROA) | 0.7044% | 3,638 |
| Pretax return on assets | 0.9795% | 3,646 |
| Return on Equity (ROE) | 7.6267% | 2,990 |
| Retained earnings to average equity (ytd only) | 3.7477% | 2,980 |
| Net charge-offs to loans | 0.0735% | 2,393 |
| Credit loss provision to net charge-offs | 199.0950% | 1,371 |
| Earnings coverage of net charge-offs (x) | 18.0724% | 2,093 |
| Efficiency ratio | 76.0766% | 1,605 |
| Assets per employee ($millions) | 3.8681% | 4,166 |
| Cash dividends to net income (ytd only)* | 50.8607% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,742 |
| Loan loss allowance to noncurrent loans | 1,639.9123% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,723 |
| Noncurrent loans to loans | 0.0735% | 4,669 |
| Net loans and leases to total assets | 80.8651% | 851 |
| Net loans and leases to deposits | 100.8335% | 671 |
| Net loans and leases to core deposits | 106.1251% | 1,257 |
| Total domestic deposits to total assets | 80.1966% | 4,301 |
| Equity capital to assets | 9.0115% | 4,707 |
| Core capital (leverage) ratio | 8.9964% | 4,659 |
| Tier 1 risk-based capital ratio | 11.7533% | 4,684 |
| Total risk-based capital ratio | 13.0043% | 4,569 |
| Memoranda: | ||
| Average total assets | $362,842,200 | 1,856 |
| Average earning assets | $334,502,600 | 1,870 |
| Average equity | $33,513,800 | 2,152 |
| Average total loans | $300,606,400 | 1,566 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,722 |
| Cost of funding earning assets | 0.4203% | 2,983 |
| Net interest margin | 4.0514% | 1,532 |
| Noninterest income to average assets | 0.9034% | 1,263 |
| Noninterest expense to average assets | 3.5616% | 906 |
| Loan and lease loss provision to assets | 0.1171% | 1,854 |
| Net operating income to assets | 0.6979% | 4,000 |
| Return on assets (ROA) | 0.6979% | 4,062 |
| Pretax return on assets | 0.9539% | 3,851 |
| Return on Equity (ROE) | 7.5076% | 3,387 |
| Retained earnings to average equity (ytd only) | 3.6099% | 3,772 |
| Net charge-offs to loans | 0.0912% | 1,882 |
| Credit loss provision to net charge-offs | 154.4118% | 1,652 |
| Earnings coverage of net charge-offs (x) | 14.1276% | 2,315 |
| Efficiency ratio | 76.6565% | 1,501 |
| Assets per employee ($millions) | 3.7424% | 4,393 |
| Cash dividends to net income (ytd only)* | 51.9170% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,944 |
| Loan loss allowance to noncurrent loans | 495.4980% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,233 |
| Noncurrent loans to loans | 0.2418% | 4,088 |
| Net loans and leases to total assets | 80.8397% | 867 |
| Net loans and leases to deposits | 99.2264% | 801 |
| Net loans and leases to core deposits | 104.3193% | 1,368 |
| Total domestic deposits to total assets | 81.4699% | 3,925 |
| Equity capital to assets | 9.1417% | 4,787 |
| Core capital (leverage) ratio | 9.2679% | 4,443 |
| Tier 1 risk-based capital ratio | 11.9643% | 4,654 |
| Total risk-based capital ratio | 13.2147% | 4,527 |
| Memoranda: | ||
| Average total assets | $358,785,000 | 1,888 |
| Average earning assets | $330,250,000 | 1,904 |
| Average equity | $33,352,250 | 2,175 |
| Average total loans | $298,189,250 | 1,589 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,693 |
| Cost of funding earning assets | 0.3954% | 3,122 |
| Net interest margin | 4.0450% | 1,475 |
| Noninterest income to average assets | 0.8747% | 1,347 |
| Noninterest expense to average assets | 3.5809% | 888 |
| Loan and lease loss provision to assets | 0.0902% | 2,175 |
| Net operating income to assets | 0.6757% | 3,956 |
| Return on assets (ROA) | 0.6757% | 4,020 |
| Pretax return on assets | 0.9220% | 3,861 |
| Return on Equity (ROE) | 7.2273% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.3093% | 3,742 |
| Net charge-offs to loans | 0.0371% | 2,457 |
| Credit loss provision to net charge-offs | 290.9091% | 978 |
| Earnings coverage of net charge-offs (x) | 32.6545% | 1,406 |
| Efficiency ratio | 77.8405% | 1,483 |
| Assets per employee ($millions) | 3.5938% | 4,586 |
| Cash dividends to net income (ytd only)* | 54.2118% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 3,046 |
| Loan loss allowance to noncurrent loans | 269.5911% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 2,834 |
| Noncurrent loans to loans | 0.4433% | 3,423 |
| Net loans and leases to total assets | 83.4080% | 496 |
| Net loans and leases to deposits | 101.9592% | 613 |
| Net loans and leases to core deposits | 106.7576% | 1,176 |
| Total domestic deposits to total assets | 81.8053% | 3,942 |
| Equity capital to assets | 9.3273% | 4,589 |
| Core capital (leverage) ratio | 9.4647% | 4,167 |
| Tier 1 risk-based capital ratio | 11.9555% | 4,660 |
| Total risk-based capital ratio | 13.2062% | 4,551 |
| Memoranda: | ||
| Average total assets | $354,880,000 | 1,903 |
| Average earning assets | $326,231,670 | 1,925 |
| Average equity | $33,179,670 | 2,179 |
| Average total loans | $296,538,000 | 1,591 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 1,626 |
| Cost of funding earning assets | 0.3857% | 3,133 |
| Net interest margin | 4.0213% | 1,415 |
| Noninterest income to average assets | 0.8020% | 1,539 |
| Noninterest expense to average assets | 3.5482% | 977 |
| Loan and lease loss provision to assets | 0.1021% | 1,857 |
| Net operating income to assets | 0.6137% | 4,094 |
| Return on assets (ROA) | 0.6137% | 4,151 |
| Pretax return on assets | 0.8417% | 3,966 |
| Return on Equity (ROE) | 6.5558% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.6175% | 4,091 |
| Net charge-offs to loans | 0.0532% | 1,808 |
| Credit loss provision to net charge-offs | 230.7692% | 929 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,450 |
| Efficiency ratio | 78.8636% | 1,506 |
| Assets per employee ($millions) | 3.5407% | 4,736 |
| Cash dividends to net income (ytd only)* | 60.0739% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 3,103 |
| Loan loss allowance to noncurrent loans | 324.7273% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 2,853 |
| Noncurrent loans to loans | 0.3711% | 3,764 |
| Net loans and leases to total assets | 82.7010% | 490 |
| Net loans and leases to deposits | 98.9196% | 690 |
| Net loans and leases to core deposits | 103.6601% | 1,242 |
| Total domestic deposits to total assets | 83.6042% | 3,623 |
| Equity capital to assets | 9.3579% | 4,435 |
| Core capital (leverage) ratio | 9.4308% | 4,199 |
| Tier 1 risk-based capital ratio | 12.0482% | 4,676 |
| Total risk-based capital ratio | 13.2988% | 4,576 |
| Memoranda: | ||
| Average total assets | $352,628,000 | 1,921 |
| Average earning assets | $323,575,000 | 1,947 |
| Average equity | $33,009,000 | 2,196 |
| Average total loans | $293,116,500 | 1,617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,724 |
| Cost of funding earning assets | 0.4519% | 2,524 |
| Net interest margin | 3.9845% | 1,676 |
| Noninterest income to average assets | 0.9242% | 1,337 |
| Noninterest expense to average assets | 3.5513% | 1,083 |
| Loan and lease loss provision to assets | 0.0611% | 3,150 |
| Net operating income to assets | 0.6968% | 3,798 |
| Return on assets (ROA) | 0.6982% | 3,899 |
| Pretax return on assets | 0.9813% | 3,536 |
| Return on Equity (ROE) | 7.5010% | 3,216 |
| Retained earnings to average equity (ytd only) | 2.8013% | 3,909 |
| Net charge-offs to loans | 0.0870% | 2,454 |
| Credit loss provision to net charge-offs | 84.8606% | 2,898 |
| Earnings coverage of net charge-offs (x) | 14.4502% | 2,286 |
| Efficiency ratio | 77.2100% | 1,812 |
| Assets per employee ($millions) | 3.4430% | 4,838 |
| Cash dividends to net income (ytd only)* | 62.6541% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 3,031 |
| Loan loss allowance to noncurrent loans | 363.3643% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 2,787 |
| Noncurrent loans to loans | 0.3343% | 3,942 |
| Net loans and leases to total assets | 81.5297% | 664 |
| Net loans and leases to deposits | 98.2537% | 805 |
| Net loans and leases to core deposits | 102.0727% | 1,443 |
| Total domestic deposits to total assets | 82.9787% | 3,776 |
| Equity capital to assets | 9.3639% | 4,411 |
| Core capital (leverage) ratio | 9.1000% | 4,615 |
| Tier 1 risk-based capital ratio | 11.9752% | 4,743 |
| Total risk-based capital ratio | 13.2254% | 4,629 |
| Memoranda: | ||
| Average total assets | $348,609,400 | 1,907 |
| Average earning assets | $320,867,600 | 1,914 |
| Average equity | $32,449,200 | 2,206 |
| Average total loans | $288,501,400 | 1,567 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 1,774 |
| Cost of funding earning assets | 0.4482% | 2,571 |
| Net interest margin | 3.9771% | 1,719 |
| Noninterest income to average assets | 0.9177% | 1,353 |
| Noninterest expense to average assets | 3.5179% | 1,119 |
| Loan and lease loss provision to assets | 0.0816% | 2,572 |
| Net operating income to assets | 0.7031% | 3,827 |
| Return on assets (ROA) | 0.7050% | 3,951 |
| Pretax return on assets | 0.9863% | 3,680 |
| Return on Equity (ROE) | 7.5858% | 3,247 |
| Retained earnings to average equity (ytd only) | 1.9171% | 4,723 |
| Net charge-offs to loans | 0.0981% | 1,966 |
| Credit loss provision to net charge-offs | 100.4717% | 2,343 |
| Earnings coverage of net charge-offs (x) | 13.1132% | 2,333 |
| Efficiency ratio | 76.6240% | 1,890 |
| Assets per employee ($millions) | 3.4860% | 4,791 |
| Cash dividends to net income (ytd only)* | 74.7284% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 3,059 |
| Loan loss allowance to noncurrent loans | 366.2551% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 2,786 |
| Noncurrent loans to loans | 0.3361% | 4,052 |
| Net loans and leases to total assets | 80.3243% | 843 |
| Net loans and leases to deposits | 99.0178% | 774 |
| Net loans and leases to core deposits | 103.2749% | 1,395 |
| Total domestic deposits to total assets | 81.1211% | 4,223 |
| Equity capital to assets | 9.1727% | 5,001 |
| Core capital (leverage) ratio | 9.1382% | 4,673 |
| Tier 1 risk-based capital ratio | 11.8743% | 4,869 |
| Total risk-based capital ratio | 13.1254% | 4,767 |
| Memoranda: | ||
| Average total assets | $347,964,250 | 1,915 |
| Average earning assets | $320,694,500 | 1,922 |
| Average equity | $32,340,250 | 2,225 |
| Average total loans | $288,165,500 | 1,578 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 1,703 |
| Cost of funding earning assets | 0.4426% | 2,635 |
| Net interest margin | 3.9992% | 1,645 |
| Noninterest income to average assets | 0.8812% | 1,435 |
| Noninterest expense to average assets | 3.5110% | 1,150 |
| Loan and lease loss provision to assets | 0.0897% | 2,351 |
| Net operating income to assets | 0.6925% | 3,828 |
| Return on assets (ROA) | 0.6925% | 3,978 |
| Pretax return on assets | 0.9739% | 3,684 |
| Return on Equity (ROE) | 7.4174% | 3,308 |
| Retained earnings to average equity (ytd only) | 0.9055% | 5,031 |
| Net charge-offs to loans | 0.1112% | 1,715 |
| Credit loss provision to net charge-offs | 96.8750% | 2,167 |
| Earnings coverage of net charge-offs (x) | 11.4813% | 2,256 |
| Efficiency ratio | 76.6106% | 1,994 |
| Assets per employee ($millions) | 3.3783% | 4,957 |
| Cash dividends to net income (ytd only)* | 87.7926% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,108 |
| Loan loss allowance to noncurrent loans | 193.3624% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 1,784 |
| Noncurrent loans to loans | 0.6436% | 3,144 |
| Net loans and leases to total assets | 81.0527% | 742 |
| Net loans and leases to deposits | 100.3998% | 663 |
| Net loans and leases to core deposits | 104.7411% | 1,266 |
| Total domestic deposits to total assets | 80.7300% | 4,351 |
| Equity capital to assets | 9.2856% | 4,988 |
| Core capital (leverage) ratio | 9.1139% | 4,699 |
| Tier 1 risk-based capital ratio | 12.1052% | 4,765 |
| Total risk-based capital ratio | 13.3562% | 4,680 |
| Memoranda: | ||
| Average total assets | $345,427,000 | 1,927 |
| Average earning assets | $319,013,000 | 1,935 |
| Average equity | $32,248,330 | 2,233 |
| Average total loans | $287,829,330 | 1,577 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,658 |
| Cost of funding earning assets | 0.4315% | 2,758 |
| Net interest margin | 4.0170% | 1,565 |
| Noninterest income to average assets | 0.8275% | 1,530 |
| Noninterest expense to average assets | 3.4647% | 1,249 |
| Loan and lease loss provision to assets | 0.1685% | 1,224 |
| Net operating income to assets | 0.6450% | 4,001 |
| Return on assets (ROA) | 0.6450% | 4,122 |
| Pretax return on assets | 0.9054% | 3,826 |
| Return on Equity (ROE) | 6.8907% | 3,510 |
| Retained earnings to average equity (ytd only) | 1.9244% | 4,486 |
| Net charge-offs to loans | 0.1786% | 1,079 |
| Credit loss provision to net charge-offs | 112.4031% | 1,498 |
| Earnings coverage of net charge-offs (x) | 7.1628% | 2,166 |
| Efficiency ratio | 76.2100% | 2,151 |
| Assets per employee ($millions) | 3.4580% | 4,871 |
| Cash dividends to net income (ytd only)* | 72.0721% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 3,280 |
| Loan loss allowance to noncurrent loans | 268.9992% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1046% | 2,003 |
| Noncurrent loans to loans | 0.4591% | 3,799 |
| Net loans and leases to total assets | 81.8560% | 579 |
| Net loans and leases to deposits | 100.8341% | 576 |
| Net loans and leases to core deposits | 105.4536% | 1,113 |
| Total domestic deposits to total assets | 81.1789% | 4,435 |
| Equity capital to assets | 9.2486% | 4,942 |
| Core capital (leverage) ratio | 9.3275% | 4,460 |
| Tier 1 risk-based capital ratio | 12.0043% | 4,914 |
| Total risk-based capital ratio | 13.2555% | 4,832 |
| Memoranda: | ||
| Average total assets | $344,160,500 | 1,948 |
| Average earning assets | $317,948,500 | 1,947 |
| Average equity | $32,217,500 | 2,236 |
| Average total loans | $288,951,500 | 1,567 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 1,517 |
| Cost of funding earning assets | 0.4006% | 3,155 |
| Net interest margin | 4.1261% | 1,346 |
| Noninterest income to average assets | 0.9135% | 1,398 |
| Noninterest expense to average assets | 3.5796% | 1,170 |
| Loan and lease loss provision to assets | 0.1317% | 1,818 |
| Net operating income to assets | 0.6967% | 3,826 |
| Return on assets (ROA) | 0.6967% | 3,932 |
| Pretax return on assets | 0.9936% | 3,498 |
| Return on Equity (ROE) | 7.4042% | 3,305 |
| Retained earnings to average equity (ytd only) | 3.3065% | 3,696 |
| Net charge-offs to loans | 0.0887% | 2,553 |
| Credit loss provision to net charge-offs | 179.0323% | 1,516 |
| Earnings coverage of net charge-offs (x) | 15.2984% | 2,214 |
| Efficiency ratio | 75.9440% | 2,278 |
| Assets per employee ($millions) | 3.4248% | 4,944 |
| Cash dividends to net income (ytd only)* | 55.3427% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 3,280 |
| Loan loss allowance to noncurrent loans | 224.4010% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 2,222 |
| Noncurrent loans to loans | 0.5499% | 3,520 |
| Net loans and leases to total assets | 84.0199% | 394 |
| Net loans and leases to deposits | 104.1141% | 431 |
| Net loans and leases to core deposits | 108.4948% | 944 |
| Total domestic deposits to total assets | 80.6998% | 4,569 |
| Equity capital to assets | 9.4771% | 4,576 |
| Core capital (leverage) ratio | 9.3528% | 4,395 |
| Tier 1 risk-based capital ratio | 12.1240% | 4,872 |
| Total risk-based capital ratio | 13.3755% | 4,774 |
| Memoranda: | ||
| Average total assets | $337,162,000 | 1,945 |
| Average earning assets | $309,808,400 | 1,959 |
| Average equity | $31,725,400 | 2,214 |
| Average total loans | $279,578,600 | 1,565 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,535 |
| Cost of funding earning assets | 0.4009% | 3,215 |
| Net interest margin | 4.1195% | 1,357 |
| Noninterest income to average assets | 0.9128% | 1,416 |
| Noninterest expense to average assets | 3.5850% | 1,144 |
| Loan and lease loss provision to assets | 0.1188% | 1,915 |
| Net operating income to assets | 0.6902% | 3,945 |
| Return on assets (ROA) | 0.6902% | 4,059 |
| Pretax return on assets | 0.9888% | 3,655 |
| Return on Equity (ROE) | 7.3488% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.2380% | 4,154 |
| Net charge-offs to loans | 0.0952% | 2,206 |
| Credit loss provision to net charge-offs | 151.5152% | 1,660 |
| Earnings coverage of net charge-offs (x) | 14.1264% | 2,268 |
| Efficiency ratio | 76.2616% | 2,203 |
| Assets per employee ($millions) | 3.3831% | 5,013 |
| Cash dividends to net income (ytd only)* | 55.9382% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 3,417 |
| Loan loss allowance to noncurrent loans | 237.3288% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 2,221 |
| Noncurrent loans to loans | 0.5236% | 3,775 |
| Net loans and leases to total assets | 82.2162% | 552 |
| Net loans and leases to deposits | 104.3203% | 437 |
| Net loans and leases to core deposits | 107.3828% | 1,011 |
| Total domestic deposits to total assets | 78.8113% | 5,020 |
| Equity capital to assets | 9.5179% | 4,731 |
| Core capital (leverage) ratio | 9.4109% | 4,418 |
| Tier 1 risk-based capital ratio | 12.2777% | 4,901 |
| Total risk-based capital ratio | 13.5290% | 4,798 |
| Memoranda: | ||
| Average total assets | $336,687,750 | 1,960 |
| Average earning assets | $308,933,000 | 1,978 |
| Average equity | $31,623,500 | 2,237 |
| Average total loans | $277,364,250 | 1,581 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 1,471 |
| Cost of funding earning assets | 0.4048% | 3,225 |
| Net interest margin | 4.1173% | 1,308 |
| Noninterest income to average assets | 0.8687% | 1,545 |
| Noninterest expense to average assets | 3.5888% | 1,152 |
| Loan and lease loss provision to assets | 0.1186% | 1,868 |
| Net operating income to assets | 0.6612% | 4,071 |
| Return on assets (ROA) | 0.6612% | 4,175 |
| Pretax return on assets | 0.9369% | 3,819 |
| Return on Equity (ROE) | 7.0707% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.0097% | 2,859 |
| Net charge-offs to loans | 0.1026% | 1,981 |
| Credit loss provision to net charge-offs | 140.8451% | 1,596 |
| Earnings coverage of net charge-offs (x) | 12.5352% | 2,192 |
| Efficiency ratio | 77.1323% | 2,180 |
| Assets per employee ($millions) | 3.3499% | 5,071 |
| Cash dividends to net income (ytd only)* | 29.1480% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,669 |
| Loan loss allowance to noncurrent loans | 233.1970% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 2,231 |
| Noncurrent loans to loans | 0.5236% | 3,889 |
| Net loans and leases to total assets | 82.6133% | 504 |
| Net loans and leases to deposits | 101.8006% | 560 |
| Net loans and leases to core deposits | 104.8900% | 1,134 |
| Total domestic deposits to total assets | 81.1520% | 4,567 |
| Equity capital to assets | 9.5191% | 4,626 |
| Core capital (leverage) ratio | 9.3005% | 4,551 |
| Tier 1 risk-based capital ratio | 12.1892% | 5,009 |
| Total risk-based capital ratio | 13.4402% | 4,906 |
| Memoranda: | ||
| Average total assets | $337,274,330 | 1,968 |
| Average earning assets | $309,279,670 | 1,983 |
| Average equity | $31,538,670 | 2,242 |
| Average total loans | $276,875,670 | 1,586 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 1,572 |
| Cost of funding earning assets | 0.4046% | 3,253 |
| Net interest margin | 4.0600% | 1,386 |
| Noninterest income to average assets | 0.8049% | 1,696 |
| Noninterest expense to average assets | 3.5731% | 1,173 |
| Loan and lease loss provision to assets | 0.1005% | 2,018 |
| Net operating income to assets | 0.6123% | 4,233 |
| Return on assets (ROA) | 0.6123% | 4,321 |
| Pretax return on assets | 0.8558% | 4,041 |
| Return on Equity (ROE) | 6.6063% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.6063% | 2,188 |
| Net charge-offs to loans | 0.0639% | 2,105 |
| Credit loss provision to net charge-offs | 193.1818% | 1,077 |
| Earnings coverage of net charge-offs (x) | 18.3864% | 1,493 |
| Efficiency ratio | 78.7578% | 2,077 |
| Assets per employee ($millions) | 3.3736% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 3,848 |
| Loan loss allowance to noncurrent loans | 240.9059% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 1,845 |
| Noncurrent loans to loans | 0.5059% | 4,066 |
| Net loans and leases to total assets | 80.9715% | 572 |
| Net loans and leases to deposits | 99.6255% | 581 |
| Net loans and leases to core deposits | 102.9716% | 1,120 |
| Total domestic deposits to total assets | 81.2758% | 4,744 |
| Equity capital to assets | 9.2858% | 4,992 |
| Core capital (leverage) ratio | 9.1682% | 4,761 |
| Tier 1 risk-based capital ratio | 12.3006% | 5,043 |
| Total risk-based capital ratio | 13.5515% | 4,958 |
| Memoranda: | ||
| Average total assets | $338,416,000 | 1,968 |
| Average earning assets | $310,441,500 | 1,985 |
| Average equity | $31,364,000 | 2,265 |
| Average total loans | $275,229,500 | 1,591 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,505 |
| Cost of funding earning assets | 0.4149% | 3,542 |
| Net interest margin | 4.2040% | 1,288 |
| Noninterest income to average assets | 1.2569% | 765 |
| Noninterest expense to average assets | 3.8273% | 949 |
| Loan and lease loss provision to assets | 0.0794% | 2,897 |
| Net operating income to assets | 0.8224% | 3,270 |
| Return on assets (ROA) | 0.8224% | 3,359 |
| Pretax return on assets | 1.1873% | 2,708 |
| Return on Equity (ROE) | 8.7247% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.6862% | 3,597 |
| Net charge-offs to loans | 0.0479% | 3,868 |
| Credit loss provision to net charge-offs | 205.5556% | 1,202 |
| Earnings coverage of net charge-offs (x) | 32.8095% | 1,252 |
| Efficiency ratio | 74.8752% | 2,678 |
| Assets per employee ($millions) | 3.3277% | 5,223 |
| Cash dividends to net income (ytd only)* | 57.7496% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 3,769 |
| Loan loss allowance to noncurrent loans | 189.6785% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 1,931 |
| Noncurrent loans to loans | 0.6539% | 3,723 |
| Net loans and leases to total assets | 79.6775% | 779 |
| Net loans and leases to deposits | 98.2272% | 744 |
| Net loans and leases to core deposits | 101.6620% | 1,271 |
| Total domestic deposits to total assets | 81.1155% | 4,710 |
| Equity capital to assets | 9.2497% | 5,009 |
| Core capital (leverage) ratio | 9.1867% | 4,697 |
| Tier 1 risk-based capital ratio | 12.4015% | 5,086 |
| Total risk-based capital ratio | 13.6469% | 5,016 |
| Memoranda: | ||
| Average total assets | $326,368,200 | 1,989 |
| Average earning assets | $297,883,200 | 2,009 |
| Average equity | $30,763,400 | 2,233 |
| Average total loans | $263,251,400 | 1,612 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,567 |
| Cost of funding earning assets | 0.4194% | 3,584 |
| Net interest margin | 4.1787% | 1,355 |
| Noninterest income to average assets | 1.3760% | 657 |
| Noninterest expense to average assets | 3.8451% | 913 |
| Loan and lease loss provision to assets | 0.0860% | 2,635 |
| Net operating income to assets | 0.8672% | 3,090 |
| Return on assets (ROA) | 0.8672% | 3,174 |
| Pretax return on assets | 1.2545% | 2,555 |
| Return on Equity (ROE) | 9.1560% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.9191% | 3,139 |
| Net charge-offs to loans | 0.0623% | 3,318 |
| Credit loss provision to net charge-offs | 171.3115% | 1,446 |
| Earnings coverage of net charge-offs (x) | 26.6972% | 1,479 |
| Efficiency ratio | 73.8313% | 2,848 |
| Assets per employee ($millions) | 3.2835% | 5,267 |
| Cash dividends to net income (ytd only)* | 46.2745% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,079 |
| Loan loss allowance to noncurrent loans | 140.0169% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.7876% | 1,671 |
| Noncurrent loans to loans | 0.8775% | 3,379 |
| Net loans and leases to total assets | 82.0318% | 501 |
| Net loans and leases to deposits | 101.5337% | 522 |
| Net loans and leases to core deposits | 105.3872% | 993 |
| Total domestic deposits to total assets | 80.7927% | 4,879 |
| Equity capital to assets | 9.5593% | 4,720 |
| Core capital (leverage) ratio | 9.5207% | 4,342 |
| Tier 1 risk-based capital ratio | 12.3720% | 5,249 |
| Total risk-based capital ratio | 13.5963% | 5,199 |
| Memoranda: | ||
| Average total assets | $323,936,250 | 2,021 |
| Average earning assets | $295,332,000 | 2,036 |
| Average equity | $30,682,250 | 2,248 |
| Average total loans | $261,275,250 | 1,626 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,621 |
| Cost of funding earning assets | 0.4310% | 3,539 |
| Net interest margin | 4.1361% | 1,408 |
| Noninterest income to average assets | 1.6040% | 492 |
| Noninterest expense to average assets | 3.8701% | 883 |
| Loan and lease loss provision to assets | 0.0241% | 3,796 |
| Net operating income to assets | 1.0230% | 2,235 |
| Return on assets (ROA) | 1.0230% | 2,300 |
| Pretax return on assets | 1.4767% | 1,613 |
| Return on Equity (ROE) | 10.8341% | 1,796 |
| Retained earnings to average equity (ytd only) | 6.5790% | 1,992 |
| Net charge-offs to loans | 0.0573% | 3,149 |
| Credit loss provision to net charge-offs | 52.7027% | 2,757 |
| Earnings coverage of net charge-offs (x) | 32.8108% | 1,190 |
| Efficiency ratio | 71.7459% | 3,390 |
| Assets per employee ($millions) | 3.1686% | 5,477 |
| Cash dividends to net income (ytd only)* | 39.2749% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,212 |
| Loan loss allowance to noncurrent loans | 172.0517% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8614% | 1,749 |
| Noncurrent loans to loans | 0.7215% | 3,896 |
| Net loans and leases to total assets | 78.6476% | 834 |
| Net loans and leases to deposits | 95.3200% | 856 |
| Net loans and leases to core deposits | 98.9721% | 1,373 |
| Total domestic deposits to total assets | 82.5091% | 4,470 |
| Equity capital to assets | 9.5762% | 4,657 |
| Core capital (leverage) ratio | 9.3685% | 4,506 |
| Tier 1 risk-based capital ratio | 13.0127% | 4,901 |
| Total risk-based capital ratio | 14.2594% | 4,840 |
| Memoranda: | ||
| Average total assets | $323,560,330 | 2,015 |
| Average earning assets | $294,673,330 | 2,038 |
| Average equity | $30,551,670 | 2,245 |
| Average total loans | $258,376,000 | 1,639 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 1,533 |
| Cost of funding earning assets | 0.4308% | 3,643 |
| Net interest margin | 4.1585% | 1,323 |
| Noninterest income to average assets | 2.2709% | 272 |
| Noninterest expense to average assets | 3.9463% | 806 |
| Loan and lease loss provision to assets | 0.0185% | 3,589 |
| Net operating income to assets | 1.4271% | 940 |
| Return on assets (ROA) | 1.4271% | 981 |
| Pretax return on assets | 2.0868% | 437 |
| Return on Equity (ROE) | 15.2212% | 749 |
| Retained earnings to average equity (ytd only) | 10.9381% | 755 |
| Net charge-offs to loans | 0.0556% | 2,606 |
| Credit loss provision to net charge-offs | 41.6667% | 2,288 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 785 |
| Efficiency ratio | 64.9449% | 4,701 |
| Assets per employee ($millions) | 3.0815% | 5,725 |
| Cash dividends to net income (ytd only)* | 28.1385% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,394 |
| Loan loss allowance to noncurrent loans | 195.9096% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 1,899 |
| Noncurrent loans to loans | 0.6367% | 4,270 |
| Net loans and leases to total assets | 77.7721% | 787 |
| Net loans and leases to deposits | 93.7002% | 818 |
| Net loans and leases to core deposits | 97.1539% | 1,304 |
| Total domestic deposits to total assets | 83.0011% | 4,602 |
| Equity capital to assets | 9.4194% | 4,599 |
| Core capital (leverage) ratio | 9.3813% | 4,453 |
| Tier 1 risk-based capital ratio | 12.7834% | 5,133 |
| Total risk-based capital ratio | 14.0350% | 5,067 |
| Memoranda: | ||
| Average total assets | $323,742,500 | 2,020 |
| Average earning assets | $294,336,500 | 2,050 |
| Average equity | $30,352,500 | 2,253 |
| Average total loans | $258,873,500 | 1,644 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 1,650 |
| Cost of funding earning assets | 0.4941% | 3,664 |
| Net interest margin | 4.1766% | 1,430 |
| Noninterest income to average assets | 1.2454% | 897 |
| Noninterest expense to average assets | 4.1236% | 758 |
| Loan and lease loss provision to assets | 0.1504% | 2,401 |
| Net operating income to assets | 0.5222% | 4,635 |
| Return on assets (ROA) | 0.5222% | 4,761 |
| Pretax return on assets | 0.7397% | 4,380 |
| Return on Equity (ROE) | 5.8260% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.4632% | 5,159 |
| Net charge-offs to loans | 0.1834% | 3,006 |
| Credit loss provision to net charge-offs | 104.8218% | 2,306 |
| Earnings coverage of net charge-offs (x) | 6.2034% | 3,107 |
| Efficiency ratio | 81.7184% | 1,918 |
| Assets per employee ($millions) | 2.8144% | 6,087 |
| Cash dividends to net income (ytd only)* | 74.8848% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 4,441 |
| Loan loss allowance to noncurrent loans | 264.1047% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.8361% | 1,995 |
| Noncurrent loans to loans | 0.4695% | 4,823 |
| Net loans and leases to total assets | 80.1861% | 577 |
| Net loans and leases to deposits | 96.1699% | 718 |
| Net loans and leases to core deposits | 99.6105% | 1,189 |
| Total domestic deposits to total assets | 83.3796% | 4,402 |
| Equity capital to assets | 9.3308% | 4,652 |
| Core capital (leverage) ratio | 8.9052% | 5,135 |
| Tier 1 risk-based capital ratio | 12.2110% | 5,489 |
| Total risk-based capital ratio | 13.4624% | 5,414 |
| Memoranda: | ||
| Average total assets | $332,424,200 | 1,935 |
| Average earning assets | $299,934,800 | 1,980 |
| Average equity | $29,797,600 | 2,265 |
| Average total loans | $260,078,800 | 1,592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 1,846 |
| Cost of funding earning assets | 0.5061% | 3,718 |
| Net interest margin | 4.1095% | 1,606 |
| Noninterest income to average assets | 1.2696% | 913 |
| Noninterest expense to average assets | 4.0911% | 776 |
| Loan and lease loss provision to assets | 0.1471% | 2,438 |
| Net operating income to assets | 0.4966% | 4,809 |
| Return on assets (ROA) | 0.4966% | 4,975 |
| Pretax return on assets | 0.7348% | 4,555 |
| Return on Equity (ROE) | 5.5952% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.2274% | 5,488 |
| Net charge-offs to loans | 0.2057% | 2,593 |
| Credit loss provision to net charge-offs | 92.2693% | 2,577 |
| Earnings coverage of net charge-offs (x) | 5.5312% | 3,167 |
| Efficiency ratio | 81.8821% | 1,836 |
| Assets per employee ($millions) | 2.8003% | 6,150 |
| Cash dividends to net income (ytd only)* | 78.0627% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,787 |
| Loan loss allowance to noncurrent loans | 173.9321% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9850% | 2,036 |
| Noncurrent loans to loans | 0.7008% | 4,449 |
| Net loans and leases to total assets | 79.2340% | 625 |
| Net loans and leases to deposits | 95.3906% | 737 |
| Net loans and leases to core deposits | 98.8824% | 1,178 |
| Total domestic deposits to total assets | 83.0626% | 4,551 |
| Equity capital to assets | 9.1655% | 4,978 |
| Core capital (leverage) ratio | 8.9337% | 5,223 |
| Tier 1 risk-based capital ratio | 12.2536% | 5,604 |
| Total risk-based capital ratio | 13.5046% | 5,539 |
| Memoranda: | ||
| Average total assets | $335,320,000 | 1,924 |
| Average earning assets | $302,183,750 | 1,968 |
| Average equity | $29,762,750 | 2,284 |
| Average total loans | $259,973,500 | 1,601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 1,892 |
| Cost of funding earning assets | 0.5233% | 3,672 |
| Net interest margin | 4.0630% | 1,652 |
| Noninterest income to average assets | 1.4161% | 786 |
| Noninterest expense to average assets | 4.1037% | 770 |
| Loan and lease loss provision to assets | 0.0531% | 3,927 |
| Net operating income to assets | 0.6145% | 4,223 |
| Return on assets (ROA) | 0.6145% | 4,390 |
| Pretax return on assets | 0.9120% | 3,863 |
| Return on Equity (ROE) | 6.9961% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.6277% | 4,636 |
| Net charge-offs to loans | 0.1247% | 3,128 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 10.0926% | 2,195 |
| Efficiency ratio | 80.5287% | 2,084 |
| Assets per employee ($millions) | 2.8343% | 6,112 |
| Cash dividends to net income (ytd only)* | 62.4400% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 4,940 |
| Loan loss allowance to noncurrent loans | 134.6649% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 2.4578% | 1,728 |
| Noncurrent loans to loans | 0.8978% | 4,134 |
| Net loans and leases to total assets | 76.5925% | 915 |
| Net loans and leases to deposits | 89.8972% | 1,153 |
| Net loans and leases to core deposits | 93.0081% | 1,609 |
| Total domestic deposits to total assets | 85.2001% | 3,799 |
| Equity capital to assets | 8.9521% | 5,263 |
| Core capital (leverage) ratio | 8.5547% | 5,604 |
| Tier 1 risk-based capital ratio | 12.2817% | 5,636 |
| Total risk-based capital ratio | 13.5192% | 5,590 |
| Memoranda: | ||
| Average total assets | $338,814,000 | 1,915 |
| Average earning assets | $304,600,330 | 1,961 |
| Average equity | $29,759,330 | 2,294 |
| Average total loans | $259,778,670 | 1,601 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 1,983 |
| Cost of funding earning assets | 0.5342% | 3,732 |
| Net interest margin | 4.0178% | 1,717 |
| Noninterest income to average assets | 1.2540% | 974 |
| Noninterest expense to average assets | 4.0071% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5877% | 4,282 |
| Return on assets (ROA) | 0.5877% | 4,428 |
| Pretax return on assets | 0.8727% | 3,862 |
| Return on Equity (ROE) | 6.7545% | 3,620 |
| Retained earnings to average equity (ytd only) | 2.3728% | 4,843 |
| Net charge-offs to loans | 0.1246% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.1852% | 1,873 |
| Efficiency ratio | 81.6346% | 2,093 |
| Assets per employee ($millions) | 2.8922% | 6,161 |
| Cash dividends to net income (ytd only)* | 64.8703% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,030 |
| Loan loss allowance to noncurrent loans | 124.5915% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 2.5446% | 1,803 |
| Noncurrent loans to loans | 0.9904% | 4,150 |
| Net loans and leases to total assets | 73.3168% | 1,167 |
| Net loans and leases to deposits | 85.5705% | 1,409 |
| Net loans and leases to core deposits | 88.2633% | 1,877 |
| Total domestic deposits to total assets | 85.6800% | 3,691 |
| Equity capital to assets | 8.7181% | 5,793 |
| Core capital (leverage) ratio | 8.5026% | 5,589 |
| Tier 1 risk-based capital ratio | 12.3108% | 5,713 |
| Total risk-based capital ratio | 13.5617% | 5,665 |
| Memoranda: | ||
| Average total assets | $340,997,000 | 1,934 |
| Average earning assets | $307,728,500 | 1,969 |
| Average equity | $29,669,000 | 2,324 |
| Average total loans | $260,019,500 | 1,615 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 1,875 |
| Cost of funding earning assets | 0.6874% | 3,591 |
| Net interest margin | 4.2019% | 1,659 |
| Noninterest income to average assets | 1.4392% | 758 |
| Noninterest expense to average assets | 3.9208% | 1,078 |
| Loan and lease loss provision to assets | 0.3734% | 1,754 |
| Net operating income to assets | 0.6301% | 4,086 |
| Return on assets (ROA) | 0.6349% | 4,331 |
| Pretax return on assets | 0.9568% | 3,716 |
| Return on Equity (ROE) | 7.6514% | 3,260 |
| Retained earnings to average equity (ytd only) | 3.4684% | 3,780 |
| Net charge-offs to loans | 0.4618% | 2,388 |
| Credit loss provision to net charge-offs | 102.7049% | 2,925 |
| Earnings coverage of net charge-offs (x) | 3.6388% | 3,648 |
| Efficiency ratio | 74.1037% | 3,050 |
| Assets per employee ($millions) | 2.7700% | 6,344 |
| Cash dividends to net income (ytd only)* | 54.6697% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 5,101 |
| Loan loss allowance to noncurrent loans | 155.0024% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 2.4422% | 2,003 |
| Noncurrent loans to loans | 0.7758% | 4,630 |
| Net loans and leases to total assets | 77.3348% | 756 |
| Net loans and leases to deposits | 90.5272% | 1,025 |
| Net loans and leases to core deposits | 93.1107% | 1,545 |
| Total domestic deposits to total assets | 85.4272% | 3,646 |
| Equity capital to assets | 8.6832% | 5,863 |
| Core capital (leverage) ratio | 8.3692% | 5,800 |
| Tier 1 risk-based capital ratio | 11.6372% | 6,013 |
| Total risk-based capital ratio | 12.8877% | 5,974 |
| Memoranda: | ||
| Average total assets | $345,743,200 | 1,871 |
| Average earning assets | $313,051,200 | 1,892 |
| Average equity | $28,687,600 | 2,340 |
| Average total loans | $272,181,000 | 1,527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 2,007 |
| Cost of funding earning assets | 0.7180% | 3,613 |
| Net interest margin | 4.1821% | 1,787 |
| Noninterest income to average assets | 1.2826% | 901 |
| Noninterest expense to average assets | 3.8581% | 1,119 |
| Loan and lease loss provision to assets | 0.4246% | 1,494 |
| Net operating income to assets | 0.5258% | 4,728 |
| Return on assets (ROA) | 0.5322% | 4,969 |
| Pretax return on assets | 0.8031% | 4,471 |
| Return on Equity (ROE) | 6.4877% | 4,069 |
| Retained earnings to average equity (ytd only) | 2.2719% | 5,200 |
| Net charge-offs to loans | 0.5283% | 2,033 |
| Credit loss provision to net charge-offs | 101.9373% | 2,890 |
| Earnings coverage of net charge-offs (x) | 2.9243% | 3,857 |
| Efficiency ratio | 75.4901% | 2,749 |
| Assets per employee ($millions) | 2.8164% | 6,339 |
| Cash dividends to net income (ytd only)* | 64.9820% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,444 |
| Loan loss allowance to noncurrent loans | 103.6676% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 2,389 |
| Noncurrent loans to loans | 1.1261% | 4,172 |
| Net loans and leases to total assets | 79.3518% | 561 |
| Net loans and leases to deposits | 92.8467% | 889 |
| Net loans and leases to core deposits | 95.8789% | 1,420 |
| Total domestic deposits to total assets | 85.4654% | 3,528 |
| Equity capital to assets | 8.5392% | 6,230 |
| Core capital (leverage) ratio | 8.1913% | 6,155 |
| Tier 1 risk-based capital ratio | 10.9205% | 6,510 |
| Total risk-based capital ratio | 12.1707% | 6,490 |
| Memoranda: | ||
| Average total assets | $347,000,000 | 1,890 |
| Average earning assets | $314,765,000 | 1,904 |
| Average equity | $28,463,250 | 2,369 |
| Average total loans | $273,551,500 | 1,527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 2,197 |
| Cost of funding earning assets | 0.7570% | 3,545 |
| Net interest margin | 4.1209% | 2,009 |
| Noninterest income to average assets | 1.2582% | 902 |
| Noninterest expense to average assets | 3.8634% | 1,126 |
| Loan and lease loss provision to assets | 0.4670% | 1,365 |
| Net operating income to assets | 0.4453% | 5,055 |
| Return on assets (ROA) | 0.4549% | 5,253 |
| Pretax return on assets | 0.6818% | 4,881 |
| Return on Equity (ROE) | 5.6210% | 4,517 |
| Retained earnings to average equity (ytd only) | 1.3734% | 5,507 |
| Net charge-offs to loans | 0.6917% | 1,604 |
| Credit loss provision to net charge-offs | 86.1522% | 3,157 |
| Earnings coverage of net charge-offs (x) | 2.0930% | 3,942 |
| Efficiency ratio | 76.6365% | 2,649 |
| Assets per employee ($millions) | 2.7149% | 6,510 |
| Cash dividends to net income (ytd only)* | 75.5668% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,699 |
| Loan loss allowance to noncurrent loans | 109.3458% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5908% | 2,140 |
| Noncurrent loans to loans | 1.0241% | 4,463 |
| Net loans and leases to total assets | 79.7889% | 540 |
| Net loans and leases to deposits | 93.1247% | 842 |
| Net loans and leases to core deposits | 96.2204% | 1,411 |
| Total domestic deposits to total assets | 85.6797% | 3,518 |
| Equity capital to assets | 8.5600% | 6,153 |
| Core capital (leverage) ratio | 7.7997% | 6,448 |
| Tier 1 risk-based capital ratio | 10.8115% | 6,575 |
| Total risk-based capital ratio | 12.0236% | 6,578 |
| Memoranda: | ||
| Average total assets | $349,073,330 | 1,876 |
| Average earning assets | $316,777,670 | 1,883 |
| Average equity | $28,251,000 | 2,370 |
| Average total loans | $273,532,330 | 1,533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 2,634 |
| Cost of funding earning assets | 0.7862% | 3,575 |
| Net interest margin | 4.0152% | 2,440 |
| Noninterest income to average assets | 1.0876% | 1,220 |
| Noninterest expense to average assets | 3.8786% | 1,091 |
| Loan and lease loss provision to assets | 0.1295% | 3,728 |
| Net operating income to assets | 0.4791% | 4,912 |
| Return on assets (ROA) | 0.4976% | 5,046 |
| Pretax return on assets | 0.7588% | 4,574 |
| Return on Equity (ROE) | 6.3215% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.0309% | 5,255 |
| Net charge-offs to loans | 0.3104% | 2,415 |
| Credit loss provision to net charge-offs | 53.9906% | 3,219 |
| Earnings coverage of net charge-offs (x) | 3.5869% | 2,798 |
| Efficiency ratio | 81.1594% | 2,056 |
| Assets per employee ($millions) | 2.8409% | 6,450 |
| Cash dividends to net income (ytd only)* | 67.8733% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,814 |
| Loan loss allowance to noncurrent loans | 60.1957% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.9113% | 1,988 |
| Noncurrent loans to loans | 1.8731% | 3,311 |
| Net loans and leases to total assets | 75.3565% | 880 |
| Net loans and leases to deposits | 88.5308% | 1,106 |
| Net loans and leases to core deposits | 91.5720% | 1,693 |
| Total domestic deposits to total assets | 85.1190% | 3,977 |
| Equity capital to assets | 8.0366% | 6,499 |
| Core capital (leverage) ratio | 7.6684% | 6,512 |
| Tier 1 risk-based capital ratio | 10.8041% | 6,621 |
| Total risk-based capital ratio | 12.0326% | 6,620 |
| Memoranda: | ||
| Average total assets | $355,286,500 | 1,863 |
| Average earning assets | $323,075,000 | 1,865 |
| Average equity | $27,968,000 | 2,389 |
| Average total loans | $274,474,000 | 1,534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2476% | 1,883 |
| Cost of funding earning assets | 0.9815% | 3,500 |
| Net interest margin | 4.2661% | 1,820 |
| Noninterest income to average assets | 1.3520% | 712 |
| Noninterest expense to average assets | 3.9819% | 1,065 |
| Loan and lease loss provision to assets | 0.3410% | 2,970 |
| Net operating income to assets | 0.5836% | 4,084 |
| Return on assets (ROA) | 0.5836% | 4,262 |
| Pretax return on assets | 0.8743% | 3,694 |
| Return on Equity (ROE) | 7.3143% | 3,238 |
| Retained earnings to average equity (ytd only) | 2.3542% | 4,548 |
| Net charge-offs to loans | 0.3585% | 3,610 |
| Credit loss provision to net charge-offs | 118.1435% | 2,716 |
| Earnings coverage of net charge-offs (x) | 4.2110% | 3,217 |
| Efficiency ratio | 76.0192% | 2,885 |
| Assets per employee ($millions) | 2.7549% | 6,528 |
| Cash dividends to net income (ytd only)* | 67.8143% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,628 |
| Loan loss allowance to noncurrent loans | 64.3611% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.9130% | 2,073 |
| Noncurrent loans to loans | 1.7854% | 3,489 |
| Net loans and leases to total assets | 77.4086% | 785 |
| Net loans and leases to deposits | 89.5691% | 1,203 |
| Net loans and leases to core deposits | 92.8479% | 1,808 |
| Total domestic deposits to total assets | 86.4234% | 3,064 |
| Equity capital to assets | 7.7049% | 6,724 |
| Core capital (leverage) ratio | 7.5289% | 6,632 |
| Tier 1 risk-based capital ratio | 10.1119% | 6,823 |
| Total risk-based capital ratio | 11.3621% | 6,810 |
| Memoranda: | ||
| Average total assets | $328,487,000 | 1,965 |
| Average earning assets | $296,078,400 | 1,978 |
| Average equity | $26,209,000 | 2,463 |
| Average total loans | $264,437,800 | 1,590 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 1,745 |
| Cost of funding earning assets | 1.0315% | 3,454 |
| Net interest margin | 4.3012% | 1,712 |
| Noninterest income to average assets | 1.3066% | 768 |
| Noninterest expense to average assets | 4.0017% | 998 |
| Loan and lease loss provision to assets | 0.3556% | 2,740 |
| Net operating income to assets | 0.5470% | 4,334 |
| Return on assets (ROA) | 0.5470% | 4,518 |
| Pretax return on assets | 0.8183% | 4,058 |
| Return on Equity (ROE) | 6.7926% | 3,614 |
| Retained earnings to average equity (ytd only) | 2.1718% | 5,039 |
| Net charge-offs to loans | 0.4145% | 3,072 |
| Credit loss provision to net charge-offs | 105.7811% | 3,133 |
| Earnings coverage of net charge-offs (x) | 3.4920% | 3,420 |
| Efficiency ratio | 76.7356% | 2,716 |
| Assets per employee ($millions) | 2.5309% | 6,852 |
| Cash dividends to net income (ytd only)* | 68.0271% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,744 |
| Loan loss allowance to noncurrent loans | 82.8036% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 2.9296% | 2,198 |
| Noncurrent loans to loans | 1.3721% | 4,236 |
| Net loans and leases to total assets | 80.6126% | 456 |
| Net loans and leases to deposits | 95.1880% | 746 |
| Net loans and leases to core deposits | 98.9749% | 1,337 |
| Total domestic deposits to total assets | 84.6877% | 3,922 |
| Equity capital to assets | 8.2050% | 6,555 |
| Core capital (leverage) ratio | 7.6946% | 6,642 |
| Tier 1 risk-based capital ratio | 10.2151% | 6,887 |
| Total risk-based capital ratio | 11.4527% | 6,882 |
| Memoranda: | ||
| Average total assets | $322,453,500 | 2,001 |
| Average earning assets | $290,052,000 | 2,027 |
| Average equity | $25,969,000 | 2,487 |
| Average total loans | $261,514,250 | 1,623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 1,660 |
| Cost of funding earning assets | 1.0726% | 3,448 |
| Net interest margin | 4.2946% | 1,681 |
| Noninterest income to average assets | 1.2221% | 848 |
| Noninterest expense to average assets | 3.9705% | 1,095 |
| Loan and lease loss provision to assets | 0.3747% | 2,549 |
| Net operating income to assets | 0.4908% | 4,542 |
| Return on assets (ROA) | 0.4908% | 4,680 |
| Pretax return on assets | 0.7400% | 4,247 |
| Return on Equity (ROE) | 6.1342% | 3,894 |
| Retained earnings to average equity (ytd only) | 1.4516% | 5,265 |
| Net charge-offs to loans | 0.5037% | 2,592 |
| Credit loss provision to net charge-offs | 91.8836% | 3,406 |
| Earnings coverage of net charge-offs (x) | 2.7335% | 3,475 |
| Efficiency ratio | 77.5390% | 2,783 |
| Assets per employee ($millions) | 2.3474% | 7,070 |
| Cash dividends to net income (ytd only)* | 76.3359% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 5,778 |
| Loan loss allowance to noncurrent loans | 103.1852% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 2.8573% | 2,350 |
| Noncurrent loans to loans | 1.1087% | 4,815 |
| Net loans and leases to total assets | 79.7956% | 547 |
| Net loans and leases to deposits | 95.6373% | 755 |
| Net loans and leases to core deposits | 99.4418% | 1,393 |
| Total domestic deposits to total assets | 83.4357% | 4,566 |
| Equity capital to assets | 8.3771% | 6,331 |
| Core capital (leverage) ratio | 7.7613% | 6,537 |
| Tier 1 risk-based capital ratio | 10.4995% | 6,789 |
| Total risk-based capital ratio | 11.7431% | 6,788 |
| Memoranda: | ||
| Average total assets | $320,265,670 | 2,020 |
| Average earning assets | $288,079,670 | 2,054 |
| Average equity | $25,626,670 | 2,498 |
| Average total loans | $259,260,000 | 1,658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3815% | 1,639 |
| Cost of funding earning assets | 1.1095% | 3,465 |
| Net interest margin | 4.2720% | 1,662 |
| Noninterest income to average assets | 1.1410% | 1,003 |
| Noninterest expense to average assets | 3.9467% | 1,108 |
| Loan and lease loss provision to assets | 0.3367% | 2,537 |
| Net operating income to assets | 0.4676% | 4,632 |
| Return on assets (ROA) | 0.4676% | 4,715 |
| Pretax return on assets | 0.7133% | 4,251 |
| Return on Equity (ROE) | 5.9837% | 3,912 |
| Retained earnings to average equity (ytd only) | 1.1967% | 5,344 |
| Net charge-offs to loans | 0.4522% | 2,342 |
| Credit loss provision to net charge-offs | 91.8367% | 2,910 |
| Earnings coverage of net charge-offs (x) | 2.8639% | 2,937 |
| Efficiency ratio | 78.5126% | 2,765 |
| Assets per employee ($millions) | 2.5051% | 6,982 |
| Cash dividends to net income (ytd only)* | 80.0000% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,801 |
| Loan loss allowance to noncurrent loans | 72.2222% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.5031% | 2,731 |
| Noncurrent loans to loans | 1.6059% | 4,075 |
| Net loans and leases to total assets | 78.5074% | 679 |
| Net loans and leases to deposits | 94.1290% | 806 |
| Net loans and leases to core deposits | 97.9155% | 1,534 |
| Total domestic deposits to total assets | 83.4040% | 4,742 |
| Equity capital to assets | 8.2359% | 6,241 |
| Core capital (leverage) ratio | 7.9699% | 6,291 |
| Tier 1 risk-based capital ratio | 10.7080% | 6,684 |
| Total risk-based capital ratio | 11.9584% | 6,674 |
| Memoranda: | ||
| Average total assets | $320,772,000 | 2,031 |
| Average earning assets | $289,512,000 | 2,058 |
| Average equity | $25,068,000 | 2,536 |
| Average total loans | $260,041,000 | 1,672 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6941% | 1,590 |
| Cost of funding earning assets | 1.5481% | 2,362 |
| Net interest margin | 4.1461% | 2,383 |
| Noninterest income to average assets | 1.2550% | 943 |
| Noninterest expense to average assets | 3.9738% | 1,198 |
| Loan and lease loss provision to assets | 0.3700% | 3,907 |
| Net operating income to assets | 0.3990% | 4,542 |
| Return on assets (ROA) | 0.4003% | 4,676 |
| Pretax return on assets | 0.5974% | 4,334 |
| Return on Equity (ROE) | 5.3605% | 3,925 |
| Retained earnings to average equity (ytd only) | 1.0960% | 4,998 |
| Net charge-offs to loans | 0.4630% | 3,766 |
| Credit loss provision to net charge-offs | 97.2385% | 4,773 |
| Earnings coverage of net charge-offs (x) | 2.5372% | 3,844 |
| Efficiency ratio | 79.9368% | 2,426 |
| Assets per employee ($millions) | 2.4874% | 7,027 |
| Cash dividends to net income (ytd only)* | 79.5545% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,787 |
| Loan loss allowance to noncurrent loans | 77.9076% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 2.3939% | 2,874 |
| Noncurrent loans to loans | 1.4624% | 4,291 |
| Net loans and leases to total assets | 81.7879% | 469 |
| Net loans and leases to deposits | 97.4044% | 761 |
| Net loans and leases to core deposits | 101.2091% | 1,520 |
| Total domestic deposits to total assets | 83.9673% | 4,376 |
| Equity capital to assets | 7.3876% | 6,946 |
| Core capital (leverage) ratio | 7.0450% | 7,004 |
| Tier 1 risk-based capital ratio | 9.3196% | 7,178 |
| Total risk-based capital ratio | 10.5696% | 7,183 |
| Memoranda: | ||
| Average total assets | $314,033,800 | 2,066 |
| Average earning assets | $279,059,400 | 2,119 |
| Average equity | $23,449,400 | 2,708 |
| Average total loans | $258,090,600 | 1,717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 1,642 |
| Cost of funding earning assets | 1.6071% | 2,351 |
| Net interest margin | 4.1137% | 2,562 |
| Noninterest income to average assets | 1.2304% | 911 |
| Noninterest expense to average assets | 3.9248% | 1,169 |
| Loan and lease loss provision to assets | 0.3417% | 3,873 |
| Net operating income to assets | 0.4052% | 4,728 |
| Return on assets (ROA) | 0.4069% | 4,897 |
| Pretax return on assets | 0.6080% | 4,569 |
| Return on Equity (ROE) | 5.4341% | 4,065 |
| Retained earnings to average equity (ytd only) | 0.3130% | 5,663 |
| Net charge-offs to loans | 0.4471% | 3,519 |
| Credit loss provision to net charge-offs | 93.1475% | 4,653 |
| Earnings coverage of net charge-offs (x) | 2.5819% | 3,861 |
| Efficiency ratio | 80.0437% | 2,327 |
| Assets per employee ($millions) | 2.5474% | 7,014 |
| Cash dividends to net income (ytd only)* | 94.2409% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,815 |
| Loan loss allowance to noncurrent loans | 83.1470% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 3,113 |
| Noncurrent loans to loans | 1.3587% | 4,594 |
| Net loans and leases to total assets | 83.0967% | 401 |
| Net loans and leases to deposits | 96.9981% | 885 |
| Net loans and leases to core deposits | 100.4968% | 1,803 |
| Total domestic deposits to total assets | 85.6684% | 3,260 |
| Equity capital to assets | 7.4585% | 7,150 |
| Core capital (leverage) ratio | 7.0567% | 7,135 |
| Tier 1 risk-based capital ratio | 9.1500% | 7,335 |
| Total risk-based capital ratio | 10.3902% | 7,352 |
| Memoranda: | ||
| Average total assets | $312,945,500 | 2,105 |
| Average earning assets | $277,017,000 | 2,168 |
| Average equity | $23,431,500 | 2,755 |
| Average total loans | $256,762,500 | 1,746 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 1,721 |
| Cost of funding earning assets | 1.6568% | 2,346 |
| Net interest margin | 4.0546% | 2,768 |
| Noninterest income to average assets | 1.1854% | 917 |
| Noninterest expense to average assets | 3.7722% | 1,406 |
| Loan and lease loss provision to assets | 0.2890% | 4,078 |
| Net operating income to assets | 0.4674% | 4,476 |
| Return on assets (ROA) | 0.4699% | 4,624 |
| Pretax return on assets | 0.7033% | 4,229 |
| Return on Equity (ROE) | 6.2681% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.1513% | 5,294 |
| Net charge-offs to loans | 0.4517% | 3,179 |
| Credit loss provision to net charge-offs | 78.6087% | 4,743 |
| Earnings coverage of net charge-offs (x) | 2.6887% | 3,649 |
| Efficiency ratio | 78.7268% | 2,621 |
| Assets per employee ($millions) | 2.5256% | 7,071 |
| Cash dividends to net income (ytd only)* | 81.6327% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,773 |
| Loan loss allowance to noncurrent loans | 130.4211% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 3,600 |
| Noncurrent loans to loans | 0.8696% | 5,531 |
| Net loans and leases to total assets | 81.0311% | 669 |
| Net loans and leases to deposits | 94.9748% | 1,152 |
| Net loans and leases to core deposits | 98.5667% | 2,170 |
| Total domestic deposits to total assets | 85.3186% | 3,456 |
| Equity capital to assets | 7.5084% | 7,110 |
| Core capital (leverage) ratio | 7.0851% | 7,143 |
| Tier 1 risk-based capital ratio | 9.3222% | 7,328 |
| Total risk-based capital ratio | 10.5554% | 7,330 |
| Memoranda: | ||
| Average total assets | $312,815,670 | 2,132 |
| Average earning assets | $275,836,670 | 2,192 |
| Average equity | $23,452,000 | 2,749 |
| Average total loans | $254,568,000 | 1,780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 1,945 |
| Cost of funding earning assets | 1.7181% | 2,299 |
| Net interest margin | 3.9360% | 3,169 |
| Noninterest income to average assets | 1.1374% | 963 |
| Noninterest expense to average assets | 3.7667% | 1,380 |
| Loan and lease loss provision to assets | 0.2623% | 3,940 |
| Net operating income to assets | 0.3820% | 4,918 |
| Return on assets (ROA) | 0.3864% | 5,036 |
| Pretax return on assets | 0.5706% | 4,712 |
| Return on Equity (ROE) | 5.1578% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.7420% | 5,070 |
| Net charge-offs to loans | 0.4576% | 2,674 |
| Credit loss provision to net charge-offs | 70.6897% | 4,086 |
| Earnings coverage of net charge-offs (x) | 2.2276% | 3,423 |
| Efficiency ratio | 81.5599% | 2,343 |
| Assets per employee ($millions) | 2.5337% | 7,148 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,629 |
| Loan loss allowance to noncurrent loans | 134.5347% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 2.0302% | 3,462 |
| Noncurrent loans to loans | 0.8740% | 5,567 |
| Net loans and leases to total assets | 79.5338% | 901 |
| Net loans and leases to deposits | 92.5932% | 1,531 |
| Net loans and leases to core deposits | 95.8721% | 2,605 |
| Total domestic deposits to total assets | 85.8960% | 3,213 |
| Equity capital to assets | 7.5289% | 7,051 |
| Core capital (leverage) ratio | 7.0778% | 7,200 |
| Tier 1 risk-based capital ratio | 9.4587% | 7,322 |
| Total risk-based capital ratio | 10.7085% | 7,321 |
| Memoranda: | ||
| Average total assets | $312,638,000 | 2,179 |
| Average earning assets | $274,489,000 | 2,250 |
| Average equity | $23,421,000 | 2,775 |
| Average total loans | $253,513,500 | 1,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1737% | 1,311 |
| Cost of funding earning assets | 2.1714% | 2,152 |
| Net interest margin | 4.0023% | 2,852 |
| Noninterest income to average assets | 1.3683% | 784 |
| Noninterest expense to average assets | 3.9992% | 1,365 |
| Loan and lease loss provision to assets | 0.2991% | 5,042 |
| Net operating income to assets | 0.3985% | 4,137 |
| Return on assets (ROA) | 0.4380% | 4,096 |
| Pretax return on assets | 0.6534% | 3,732 |
| Return on Equity (ROE) | 5.6919% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.3774% | 2,180 |
| Net charge-offs to loans | 0.3083% | 4,704 |
| Credit loss provision to net charge-offs | 116.7105% | 4,645 |
| Earnings coverage of net charge-offs (x) | 3.4868% | 3,327 |
| Efficiency ratio | 81.3038% | 2,699 |
| Assets per employee ($millions) | 2.6356% | 6,974 |
| Cash dividends to net income (ytd only)* | 23.0947% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,447 |
| Loan loss allowance to noncurrent loans | 110.1670% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0451% | 3,343 |
| Noncurrent loans to loans | 1.0749% | 5,170 |
| Net loans and leases to total assets | 80.7257% | 875 |
| Net loans and leases to deposits | 93.7375% | 1,632 |
| Net loans and leases to core deposits | 120.5810% | 1,911 |
| Total domestic deposits to total assets | 86.1189% | 2,952 |
| Equity capital to assets | 7.4542% | 7,067 |
| Core capital (leverage) ratio | 6.9966% | 7,243 |
| Tier 1 risk-based capital ratio | 9.0773% | 7,438 |
| Total risk-based capital ratio | 10.3185% | 7,461 |
| Memoranda: | ||
| Average total assets | $296,582,200 | 2,235 |
| Average earning assets | $261,173,200 | 2,319 |
| Average equity | $22,822,000 | 2,848 |
| Average total loans | $246,533,600 | 1,911 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2517% | 1,243 |
| Cost of funding earning assets | 2.2364% | 2,249 |
| Net interest margin | 4.0154% | 2,745 |
| Noninterest income to average assets | 1.3720% | 801 |
| Noninterest expense to average assets | 3.9805% | 1,301 |
| Loan and lease loss provision to assets | 0.2933% | 4,627 |
| Net operating income to assets | 0.4338% | 4,263 |
| Return on assets (ROA) | 0.4871% | 4,138 |
| Pretax return on assets | 0.7202% | 3,792 |
| Return on Equity (ROE) | 6.2777% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.5143% | 2,750 |
| Net charge-offs to loans | 0.2993% | 4,155 |
| Credit loss provision to net charge-offs | 117.3358% | 4,339 |
| Earnings coverage of net charge-offs (x) | 3.7409% | 3,398 |
| Efficiency ratio | 80.5419% | 2,765 |
| Assets per employee ($millions) | 2.5293% | 7,184 |
| Cash dividends to net income (ytd only)* | 28.0900% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 5,169 |
| Loan loss allowance to noncurrent loans | 79.9467% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.4008% | 2,869 |
| Noncurrent loans to loans | 1.4882% | 4,432 |
| Net loans and leases to total assets | 82.8319% | 691 |
| Net loans and leases to deposits | 97.9280% | 1,338 |
| Net loans and leases to core deposits | 128.4098% | 1,543 |
| Total domestic deposits to total assets | 84.5845% | 3,436 |
| Equity capital to assets | 7.7031% | 7,145 |
| Core capital (leverage) ratio | 7.2011% | 7,266 |
| Tier 1 risk-based capital ratio | 9.1424% | 7,561 |
| Total risk-based capital ratio | 10.3924% | 7,570 |
| Memoranda: | ||
| Average total assets | $292,319,000 | 2,289 |
| Average earning assets | $257,970,000 | 2,355 |
| Average equity | $22,682,750 | 2,889 |
| Average total loans | $244,112,500 | 1,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3081% | 1,190 |
| Cost of funding earning assets | 2.2579% | 2,537 |
| Net interest margin | 4.0502% | 2,503 |
| Noninterest income to average assets | 1.3558% | 830 |
| Noninterest expense to average assets | 4.0175% | 1,287 |
| Loan and lease loss provision to assets | 0.3020% | 4,145 |
| Net operating income to assets | 0.4194% | 4,425 |
| Return on assets (ROA) | 0.4194% | 4,535 |
| Pretax return on assets | 0.6136% | 4,289 |
| Return on Equity (ROE) | 5.3919% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.7270% | 3,816 |
| Net charge-offs to loans | 0.3281% | 3,541 |
| Credit loss provision to net charge-offs | 110.3535% | 4,195 |
| Earnings coverage of net charge-offs (x) | 3.3460% | 3,472 |
| Efficiency ratio | 81.0057% | 2,883 |
| Assets per employee ($millions) | 2.5157% | 7,218 |
| Cash dividends to net income (ytd only)* | 49.4234% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 5,088 |
| Loan loss allowance to noncurrent loans | 63.3570% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 2,989 |
| Noncurrent loans to loans | 1.8599% | 3,718 |
| Net loans and leases to total assets | 82.5828% | 852 |
| Net loans and leases to deposits | 99.3650% | 1,348 |
| Net loans and leases to core deposits | 130.9136% | 1,491 |
| Total domestic deposits to total assets | 83.1106% | 4,191 |
| Equity capital to assets | 7.6380% | 7,145 |
| Core capital (leverage) ratio | 7.0726% | 7,484 |
| Tier 1 risk-based capital ratio | 8.9243% | 7,734 |
| Total risk-based capital ratio | 10.1712% | 7,768 |
| Memoranda: | ||
| Average total assets | $289,431,330 | 2,323 |
| Average earning assets | $255,641,330 | 2,394 |
| Average equity | $22,515,330 | 2,914 |
| Average total loans | $241,379,670 | 1,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3633% | 1,150 |
| Cost of funding earning assets | 2.2639% | 2,868 |
| Net interest margin | 4.0994% | 2,269 |
| Noninterest income to average assets | 1.5876% | 547 |
| Noninterest expense to average assets | 4.0484% | 1,130 |
| Loan and lease loss provision to assets | 0.1786% | 4,671 |
| Net operating income to assets | 0.6764% | 3,677 |
| Return on assets (ROA) | 0.6764% | 3,859 |
| Pretax return on assets | 0.9942% | 3,366 |
| Return on Equity (ROE) | 8.6124% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.6124% | 1,593 |
| Net charge-offs to loans | 0.1671% | 3,632 |
| Credit loss provision to net charge-offs | 128.2828% | 3,116 |
| Earnings coverage of net charge-offs (x) | 8.4242% | 2,191 |
| Efficiency ratio | 77.1344% | 3,305 |
| Assets per employee ($millions) | 2.6230% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 4,893 |
| Loan loss allowance to noncurrent loans | 60.7912% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.1339% | 2,697 |
| Noncurrent loans to loans | 1.9498% | 3,343 |
| Net loans and leases to total assets | 82.5484% | 922 |
| Net loans and leases to deposits | 99.1374% | 1,517 |
| Net loans and leases to core deposits | 130.0562% | 1,655 |
| Total domestic deposits to total assets | 83.2667% | 4,010 |
| Equity capital to assets | 7.6133% | 7,251 |
| Core capital (leverage) ratio | 7.2691% | 7,409 |
| Tier 1 risk-based capital ratio | 8.8055% | 7,877 |
| Total risk-based capital ratio | 10.0519% | 7,931 |
| Memoranda: | ||
| Average total assets | $284,461,500 | 2,363 |
| Average earning assets | $252,133,500 | 2,432 |
| Average equity | $22,340,000 | 2,940 |
| Average total loans | $236,981,000 | 2,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8035% | 1,663 |
| Cost of funding earning assets | 2.7578% | 2,887 |
| Net interest margin | 4.0457% | 2,927 |
| Noninterest income to average assets | 1.3050% | 860 |
| Noninterest expense to average assets | 3.6190% | 2,099 |
| Loan and lease loss provision to assets | 0.3505% | 3,593 |
| Net operating income to assets | 0.6321% | 4,180 |
| Return on assets (ROA) | 0.6348% | 4,016 |
| Pretax return on assets | 0.9664% | 3,498 |
| Return on Equity (ROE) | 7.8384% | 3,136 |
| Retained earnings to average equity (ytd only) | 1.4472% | 4,352 |
| Net charge-offs to loans | 0.3492% | 3,085 |
| Credit loss provision to net charge-offs | 126.2317% | 4,230 |
| Earnings coverage of net charge-offs (x) | 4.7284% | 3,882 |
| Efficiency ratio | 72.9535% | 3,760 |
| Assets per employee ($millions) | 2.5954% | 7,016 |
| Cash dividends to net income (ytd only)* | 81.5376% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,551 |
| Loan loss allowance to noncurrent loans | 128.0586% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 3,413 |
| Noncurrent loans to loans | 0.9353% | 4,739 |
| Net loans and leases to total assets | 82.0637% | 1,218 |
| Net loans and leases to deposits | 99.9933% | 1,833 |
| Net loans and leases to core deposits | 128.4180% | 1,971 |
| Total domestic deposits to total assets | 82.0692% | 4,173 |
| Equity capital to assets | 8.1146% | 6,678 |
| Core capital (leverage) ratio | 7.5783% | 7,106 |
| Tier 1 risk-based capital ratio | 9.7003% | 7,082 |
| Total risk-based capital ratio | 10.9498% | 6,988 |
| Memoranda: | ||
| Average total assets | $270,492,000 | 2,379 |
| Average earning assets | $242,477,400 | 2,431 |
| Average equity | $21,905,000 | 2,987 |
| Average total loans | $215,089,200 | 2,173 |