Home > Peoples National Bank of Kewanee > Performance and Condition Ratios
Peoples National Bank of Kewanee, 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 | 4.0439% | 3,892 |
| Cost of funding earning assets | 1.2424% | 2,682 |
| Net interest margin | 2.8015% | 3,656 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.9671% | 3,705 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9856% | 2,265 |
| Return on assets (ROA) | 0.9056% | 2,505 |
| Pretax return on assets | 1.0037% | 2,678 |
| Return on Equity (ROE) | 13.8500% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.7921% | 843 |
| Net charge-offs to loans | -0.0218% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.3534% | 2,798 |
| Assets per employee ($millions) | 6.1368% | 2,703 |
| Cash dividends to net income (ytd only)* | 22.0576% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,167 |
| Loan loss allowance to noncurrent loans | 55.5681% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 499 |
| Noncurrent loans to loans | 2.6324% | 176 |
| Net loans and leases to total assets | 30.6200% | 4,277 |
| Net loans and leases to deposits | 33.9447% | 4,305 |
| Net loans and leases to core deposits | 36.5363% | 4,336 |
| Total domestic deposits to total assets | 90.2200% | 705 |
| Equity capital to assets | 7.3149% | 3,812 |
| Core capital (leverage) ratio | 10.0580% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9993% | 1,529 |
| Memoranda: | ||
| Average total assets | $544,191,000 | 1,634 |
| Average earning assets | $510,052,000 | 1,603 |
| Average equity | $35,590,800 | 2,030 |
| Average total loans | $164,951,000 | 2,558 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,877 |
| Cost of funding earning assets | 1.0973% | 2,749 |
| Net interest margin | 2.8860% | 3,579 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.9974% | 3,601 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0135% | 2,328 |
| Return on assets (ROA) | 0.9048% | 2,647 |
| Pretax return on assets | 0.9860% | 2,898 |
| Return on Equity (ROE) | 14.2500% | 1,595 |
| Retained earnings to average equity (ytd only) | 12.2303% | 934 |
| Net charge-offs to loans | -0.0406% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9506% | 2,848 |
| Assets per employee ($millions) | 6.0897% | 2,664 |
| Cash dividends to net income (ytd only)* | 14.1892% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 809 |
| Loan loss allowance to noncurrent loans | 63.1938% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 526 |
| Noncurrent loans to loans | 2.5910% | 184 |
| Net loans and leases to total assets | 31.1400% | 4,296 |
| Net loans and leases to deposits | 33.9513% | 4,331 |
| Net loans and leases to core deposits | 36.3140% | 4,326 |
| Total domestic deposits to total assets | 91.7200% | 511 |
| Equity capital to assets | 5.7995% | 4,053 |
| Core capital (leverage) ratio | 9.8737% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0983% | 1,856 |
| Memoranda: | ||
| Average total assets | $545,230,000 | 1,629 |
| Average earning assets | $510,956,000 | 1,595 |
| Average equity | $34,612,750 | 2,061 |
| Average total loans | $164,230,750 | 2,574 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 3,893 |
| Cost of funding earning assets | 0.9308% | 2,830 |
| Net interest margin | 2.9548% | 3,554 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.9575% | 3,696 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 0.6443% | 3,475 |
| Return on assets (ROA) | 0.4957% | 3,824 |
| Pretax return on assets | 0.5894% | 3,823 |
| Return on Equity (ROE) | 7.5900% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.6383% | 2,744 |
| Net charge-offs to loans | -0.0554% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.5390% | 2,536 |
| Assets per employee ($millions) | 6.2090% | 2,533 |
| Cash dividends to net income (ytd only)* | 25.7542% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8801% | 516 |
| Loan loss allowance to noncurrent loans | 71.2193% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 628 |
| Noncurrent loans to loans | 2.6399% | 174 |
| Net loans and leases to total assets | 30.1800% | 4,326 |
| Net loans and leases to deposits | 33.0866% | 4,349 |
| Net loans and leases to core deposits | 35.2364% | 4,342 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 6.3843% | 4,041 |
| Core capital (leverage) ratio | 9.5853% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1871% | 1,821 |
| Memoranda: | ||
| Average total assets | $548,342,667 | 1,611 |
| Average earning assets | $514,207,333 | 1,586 |
| Average equity | $35,790,667 | 2,029 |
| Average total loans | $162,420,333 | 2,577 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,555 |
| Cost of funding earning assets | 0.8101% | 2,695 |
| Net interest margin | 3.1387% | 3,267 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.0272% | 3,564 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.7605% | 3,320 |
| Return on assets (ROA) | 0.4638% | 3,929 |
| Pretax return on assets | 0.5549% | 3,915 |
| Return on Equity (ROE) | 7.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.0987% | 3,004 |
| Net charge-offs to loans | -0.0977% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.2845% | 2,652 |
| Assets per employee ($millions) | 6.2721% | 2,529 |
| Cash dividends to net income (ytd only)* | 27.4725% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 806 |
| Loan loss allowance to noncurrent loans | 291.5508% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,324 |
| Noncurrent loans to loans | 0.5843% | 1,270 |
| Net loans and leases to total assets | 28.5000% | 4,395 |
| Net loans and leases to deposits | 30.7897% | 4,430 |
| Net loans and leases to core deposits | 32.5169% | 4,412 |
| Total domestic deposits to total assets | 92.5500% | 388 |
| Equity capital to assets | 6.8828% | 3,881 |
| Core capital (leverage) ratio | 9.5751% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6240% | 2,127 |
| Memoranda: | ||
| Average total assets | $549,319,500 | 1,629 |
| Average earning assets | $514,473,500 | 1,610 |
| Average equity | $36,244,500 | 2,034 |
| Average total loans | $159,594,500 | 2,621 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2364% | 3,746 |
| Cost of funding earning assets | 0.4848% | 1,498 |
| Net interest margin | 2.7517% | 3,976 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.8508% | 3,927 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7980% | 3,334 |
| Return on assets (ROA) | 0.7954% | 3,273 |
| Pretax return on assets | 0.9620% | 3,189 |
| Return on Equity (ROE) | 10.4600% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.0325% | 1,813 |
| Net charge-offs to loans | 0.0729% | 918 |
| Credit loss provision to net charge-offs | 51.8868% | 1,811 |
| Earnings coverage of net charge-offs (x) | 51.6792% | 1,336 |
| Efficiency ratio | 63.6392% | 2,550 |
| Assets per employee ($millions) | 6.0076% | 2,757 |
| Cash dividends to net income (ytd only)* | 23.2043% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,664 |
| Loan loss allowance to noncurrent loans | 254.2453% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 2,449 |
| Noncurrent loans to loans | 0.5328% | 1,380 |
| Net loans and leases to total assets | 28.7200% | 4,416 |
| Net loans and leases to deposits | 30.8210% | 4,457 |
| Net loans and leases to core deposits | 32.3743% | 4,445 |
| Total domestic deposits to total assets | 93.1900% | 365 |
| Equity capital to assets | 6.3107% | 3,975 |
| Core capital (leverage) ratio | 9.5298% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1546% | 2,305 |
| Memoranda: | ||
| Average total assets | $561,865,000 | 1,580 |
| Average earning assets | $527,279,200 | 1,560 |
| Average equity | $42,726,400 | 1,835 |
| Average total loans | $145,444,200 | 2,678 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0887% | 3,695 |
| Cost of funding earning assets | 0.4445% | 1,007 |
| Net interest margin | 2.6441% | 4,037 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.8569% | 3,853 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7083% | 3,545 |
| Return on assets (ROA) | 0.7050% | 3,507 |
| Pretax return on assets | 0.8471% | 3,482 |
| Return on Equity (ROE) | 8.9000% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.3657% | 2,243 |
| Net charge-offs to loans | 0.0235% | 1,361 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 145.4400% | 761 |
| Efficiency ratio | 66.5017% | 2,215 |
| Assets per employee ($millions) | 6.0838% | 2,684 |
| Cash dividends to net income (ytd only)* | 17.2852% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 1,125 |
| Loan loss allowance to noncurrent loans | 213.8566% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,371 |
| Noncurrent loans to loans | 0.7336% | 1,112 |
| Net loans and leases to total assets | 24.7400% | 4,530 |
| Net loans and leases to deposits | 26.6819% | 4,553 |
| Net loans and leases to core deposits | 27.5470% | 4,549 |
| Total domestic deposits to total assets | 92.7200% | 657 |
| Equity capital to assets | 6.2082% | 3,880 |
| Core capital (leverage) ratio | 9.1283% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2892% | 1,943 |
| Memoranda: | ||
| Average total assets | $565,657,750 | 1,579 |
| Average earning assets | $531,481,000 | 1,563 |
| Average equity | $44,783,000 | 1,783 |
| Average total loans | $142,011,750 | 2,717 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 3,557 |
| Cost of funding earning assets | 0.4334% | 751 |
| Net interest margin | 2.5680% | 3,961 |
| Noninterest income to average assets | 0.2163% | 3,908 |
| Noninterest expense to average assets | 1.8508% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6523% | 3,466 |
| Return on assets (ROA) | 0.6472% | 3,434 |
| Pretax return on assets | 0.7748% | 3,391 |
| Return on Equity (ROE) | 7.6338% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.2001% | 2,274 |
| Net charge-offs to loans | 0.0533% | 858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 58.3158% | 1,091 |
| Efficiency ratio | 68.3626% | 2,191 |
| Assets per employee ($millions) | 6.4808% | 2,331 |
| Cash dividends to net income (ytd only)* | 18.7806% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,325 |
| Loan loss allowance to noncurrent loans | 146.3563% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 1,993 |
| Noncurrent loans to loans | 1.0465% | 793 |
| Net loans and leases to total assets | 24.7325% | 4,583 |
| Net loans and leases to deposits | 26.9342% | 4,600 |
| Net loans and leases to core deposits | 27.8083% | 4,603 |
| Total domestic deposits to total assets | 91.8257% | 917 |
| Equity capital to assets | 7.1068% | 3,715 |
| Core capital (leverage) ratio | 8.9610% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1758% | 1,981 |
| Memoranda: | ||
| Average total assets | $567,640,333 | 1,585 |
| Average earning assets | $533,870,667 | 1,571 |
| Average equity | $48,128,000 | 1,729 |
| Average total loans | $142,459,000 | 2,730 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0113% | 3,223 |
| Cost of funding earning assets | 0.4322% | 712 |
| Net interest margin | 2.5791% | 3,708 |
| Noninterest income to average assets | 0.2016% | 3,954 |
| Noninterest expense to average assets | 1.7712% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7051% | 3,038 |
| Return on assets (ROA) | 0.7016% | 3,044 |
| Pretax return on assets | 0.8526% | 2,931 |
| Return on Equity (ROE) | 7.6615% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.3424% | 2,129 |
| Net charge-offs to loans | -0.0700% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4196% | 2,845 |
| Assets per employee ($millions) | 6.3612% | 2,488 |
| Cash dividends to net income (ytd only)* | 17.2172% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,307 |
| Loan loss allowance to noncurrent loans | 115.7076% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 1,763 |
| Noncurrent loans to loans | 1.3727% | 626 |
| Net loans and leases to total assets | 24.1566% | 4,611 |
| Net loans and leases to deposits | 26.6699% | 4,627 |
| Net loans and leases to core deposits | 27.6329% | 4,620 |
| Total domestic deposits to total assets | 90.5765% | 1,257 |
| Equity capital to assets | 8.3323% | 3,299 |
| Core capital (leverage) ratio | 8.6508% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4894% | 1,997 |
| Memoranda: | ||
| Average total assets | $569,546,500 | 1,581 |
| Average earning assets | $535,847,000 | 1,570 |
| Average equity | $52,157,000 | 1,674 |
| Average total loans | $142,879,500 | 2,718 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 3,854 |
| Cost of funding earning assets | 0.4324% | 1,310 |
| Net interest margin | 2.5754% | 4,089 |
| Noninterest income to average assets | 0.2422% | 3,925 |
| Noninterest expense to average assets | 1.8969% | 3,929 |
| Loan and lease loss provision to assets | -0.0425% | 4,317 |
| Net operating income to assets | 0.6562% | 3,730 |
| Return on assets (ROA) | 0.6563% | 3,787 |
| Pretax return on assets | 0.8082% | 3,704 |
| Return on Equity (ROE) | 6.2486% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.4625% | 3,023 |
| Net charge-offs to loans | -0.0308% | 4,133 |
| Credit loss provision to net charge-offs | 489.1304% | 815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1265% | 1,844 |
| Assets per employee ($millions) | 6.2954% | 2,494 |
| Cash dividends to net income (ytd only)* | 28.5838% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 940 |
| Loan loss allowance to noncurrent loans | 106.4583% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 1,440 |
| Noncurrent loans to loans | 1.6486% | 519 |
| Net loans and leases to total assets | 25.2427% | 4,646 |
| Net loans and leases to deposits | 28.4001% | 4,656 |
| Net loans and leases to core deposits | 29.4558% | 4,653 |
| Total domestic deposits to total assets | 88.8822% | 1,583 |
| Equity capital to assets | 9.9916% | 2,663 |
| Core capital (leverage) ratio | 8.6574% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9976% | 1,842 |
| Memoranda: | ||
| Average total assets | $529,327,400 | 1,625 |
| Average earning assets | $497,436,200 | 1,612 |
| Average equity | $55,596,200 | 1,616 |
| Average total loans | $149,409,200 | 2,639 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0276% | 3,950 |
| Cost of funding earning assets | 0.4229% | 1,535 |
| Net interest margin | 2.6046% | 4,124 |
| Noninterest income to average assets | 0.2333% | 3,999 |
| Noninterest expense to average assets | 1.8848% | 3,979 |
| Loan and lease loss provision to assets | -0.0577% | 4,478 |
| Net operating income to assets | 0.6742% | 3,829 |
| Return on assets (ROA) | 0.6738% | 3,890 |
| Pretax return on assets | 0.8500% | 3,798 |
| Return on Equity (ROE) | 6.3313% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.2038% | 3,141 |
| Net charge-offs to loans | -0.0860% | 4,558 |
| Credit loss provision to net charge-offs | 231.9588% | 1,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2371% | 1,785 |
| Assets per employee ($millions) | 6.2855% | 2,435 |
| Cash dividends to net income (ytd only)* | 17.8082% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 1,052 |
| Loan loss allowance to noncurrent loans | 100.5015% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 1,651 |
| Noncurrent loans to loans | 1.7181% | 587 |
| Net loans and leases to total assets | 26.2088% | 4,698 |
| Net loans and leases to deposits | 29.6387% | 4,708 |
| Net loans and leases to core deposits | 30.8945% | 4,710 |
| Total domestic deposits to total assets | 88.4278% | 1,611 |
| Equity capital to assets | 10.0514% | 2,856 |
| Core capital (leverage) ratio | 8.7721% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3146% | 1,858 |
| Memoranda: | ||
| Average total assets | $520,012,250 | 1,661 |
| Average earning assets | $487,990,250 | 1,658 |
| Average equity | $55,342,500 | 1,643 |
| Average total loans | $150,367,250 | 2,669 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 3,961 |
| Cost of funding earning assets | 0.4201% | 1,736 |
| Net interest margin | 2.6276% | 4,118 |
| Noninterest income to average assets | 0.2342% | 4,003 |
| Noninterest expense to average assets | 1.9505% | 3,833 |
| Loan and lease loss provision to assets | 0.0099% | 2,732 |
| Net operating income to assets | 0.5990% | 3,985 |
| Return on assets (ROA) | 0.5971% | 4,043 |
| Pretax return on assets | 0.7322% | 4,002 |
| Return on Equity (ROE) | 5.4963% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.1542% | 3,475 |
| Net charge-offs to loans | 0.0972% | 754 |
| Credit loss provision to net charge-offs | 34.2466% | 1,683 |
| Earnings coverage of net charge-offs (x) | 25.7397% | 1,400 |
| Efficiency ratio | 70.1705% | 1,614 |
| Assets per employee ($millions) | 6.2946% | 2,334 |
| Cash dividends to net income (ytd only)* | 24.4194% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 964 |
| Loan loss allowance to noncurrent loans | 92.2390% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 1,547 |
| Noncurrent loans to loans | 1.9018% | 524 |
| Net loans and leases to total assets | 27.4695% | 4,716 |
| Net loans and leases to deposits | 31.0951% | 4,737 |
| Net loans and leases to core deposits | 32.4459% | 4,739 |
| Total domestic deposits to total assets | 88.3403% | 1,652 |
| Equity capital to assets | 10.1540% | 2,720 |
| Core capital (leverage) ratio | 8.7799% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7960% | 1,692 |
| Memoranda: | ||
| Average total assets | $504,786,000 | 1,699 |
| Average earning assets | $472,748,000 | 1,690 |
| Average equity | $54,836,667 | 1,648 |
| Average total loans | $150,201,000 | 2,687 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0560% | 3,976 |
| Cost of funding earning assets | 0.4310% | 1,856 |
| Net interest margin | 2.6250% | 4,100 |
| Noninterest income to average assets | 0.2383% | 3,965 |
| Noninterest expense to average assets | 1.9497% | 3,860 |
| Loan and lease loss provision to assets | 0.0207% | 2,511 |
| Net operating income to assets | 0.5834% | 3,985 |
| Return on assets (ROA) | 0.5834% | 4,040 |
| Pretax return on assets | 0.7224% | 3,971 |
| Return on Equity (ROE) | 5.1789% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.2102% | 3,716 |
| Net charge-offs to loans | -0.1049% | 4,650 |
| Credit loss provision to net charge-offs | -64.1026% | 2,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0983% | 1,683 |
| Assets per employee ($millions) | 6.1861% | 2,421 |
| Cash dividends to net income (ytd only)* | 38.0142% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 815 |
| Loan loss allowance to noncurrent loans | 82.8546% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 1,496 |
| Noncurrent loans to loans | 2.2196% | 450 |
| Net loans and leases to total assets | 27.7498% | 4,754 |
| Net loans and leases to deposits | 31.2923% | 4,777 |
| Net loans and leases to core deposits | 32.5739% | 4,781 |
| Total domestic deposits to total assets | 88.6794% | 1,520 |
| Equity capital to assets | 9.9586% | 2,741 |
| Core capital (leverage) ratio | 9.8899% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9361% | 1,586 |
| Memoranda: | ||
| Average total assets | $483,364,500 | 1,741 |
| Average earning assets | $451,968,000 | 1,737 |
| Average equity | $54,452,000 | 1,645 |
| Average total loans | $148,743,000 | 2,708 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 2,969 |
| Cost of funding earning assets | 0.5638% | 2,541 |
| Net interest margin | 3.3578% | 2,908 |
| Noninterest income to average assets | 0.2724% | 3,844 |
| Noninterest expense to average assets | 2.3124% | 3,375 |
| Loan and lease loss provision to assets | 0.4113% | 739 |
| Net operating income to assets | 0.5802% | 3,813 |
| Return on assets (ROA) | 0.5719% | 3,946 |
| Pretax return on assets | 0.6699% | 3,947 |
| Return on Equity (ROE) | 4.2413% | 4,103 |
| Retained earnings to average equity (ytd only) | 2.4001% | 3,664 |
| Net charge-offs to loans | 1.2220% | 97 |
| Credit loss provision to net charge-offs | 87.0864% | 2,949 |
| Earnings coverage of net charge-offs (x) | 2.3100% | 3,175 |
| Efficiency ratio | 65.7287% | 2,572 |
| Assets per employee ($millions) | 4.9258% | 3,474 |
| Cash dividends to net income (ytd only)* | 43.4112% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 753 |
| Loan loss allowance to noncurrent loans | 88.2505% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 1,381 |
| Noncurrent loans to loans | 2.1315% | 512 |
| Net loans and leases to total assets | 33.2775% | 4,670 |
| Net loans and leases to deposits | 39.0301% | 4,680 |
| Net loans and leases to core deposits | 40.8818% | 4,679 |
| Total domestic deposits to total assets | 85.2612% | 2,667 |
| Equity capital to assets | 12.9061% | 1,127 |
| Core capital (leverage) ratio | 11.4291% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7517% | 803 |
| Memoranda: | ||
| Average total assets | $396,777,000 | 1,876 |
| Average earning assets | $369,972,400 | 1,871 |
| Average equity | $53,498,200 | 1,592 |
| Average total loans | $153,359,200 | 2,632 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 3,170 |
| Cost of funding earning assets | 0.5678% | 2,822 |
| Net interest margin | 3.3599% | 3,023 |
| Noninterest income to average assets | 0.2712% | 3,843 |
| Noninterest expense to average assets | 2.2854% | 3,458 |
| Loan and lease loss provision to assets | 0.4002% | 882 |
| Net operating income to assets | 0.5606% | 3,877 |
| Return on assets (ROA) | 0.5555% | 3,985 |
| Pretax return on assets | 0.7119% | 3,877 |
| Return on Equity (ROE) | 4.0719% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.8151% | 3,597 |
| Net charge-offs to loans | 1.3482% | 92 |
| Credit loss provision to net charge-offs | 74.2839% | 2,788 |
| Earnings coverage of net charge-offs (x) | 2.0764% | 3,017 |
| Efficiency ratio | 64.8736% | 2,616 |
| Assets per employee ($millions) | 4.7699% | 3,513 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 902 |
| Loan loss allowance to noncurrent loans | 101.3396% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 1,843 |
| Noncurrent loans to loans | 1.6725% | 826 |
| Net loans and leases to total assets | 36.3648% | 4,668 |
| Net loans and leases to deposits | 42.9338% | 4,684 |
| Net loans and leases to core deposits | 45.0104% | 4,686 |
| Total domestic deposits to total assets | 84.6997% | 2,553 |
| Equity capital to assets | 13.5197% | 997 |
| Core capital (leverage) ratio | 11.7883% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4249% | 732 |
| Memoranda: | ||
| Average total assets | $388,835,750 | 1,879 |
| Average earning assets | $362,545,500 | 1,873 |
| Average equity | $53,045,750 | 1,592 |
| Average total loans | $155,363,500 | 2,621 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 3,112 |
| Cost of funding earning assets | 0.5770% | 3,098 |
| Net interest margin | 3.4966% | 2,795 |
| Noninterest income to average assets | 0.2866% | 3,743 |
| Noninterest expense to average assets | 2.3327% | 3,443 |
| Loan and lease loss provision to assets | 0.4412% | 874 |
| Net operating income to assets | 0.6027% | 3,728 |
| Return on assets (ROA) | 0.5915% | 3,849 |
| Pretax return on assets | 0.7597% | 3,708 |
| Return on Equity (ROE) | 4.3223% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.0780% | 3,351 |
| Net charge-offs to loans | 2.0132% | 62 |
| Credit loss provision to net charge-offs | 53.4264% | 2,608 |
| Earnings coverage of net charge-offs (x) | 1.4714% | 2,858 |
| Efficiency ratio | 63.5357% | 2,878 |
| Assets per employee ($millions) | 4.5960% | 3,657 |
| Cash dividends to net income (ytd only)* | 28.7865% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,468 |
| Loan loss allowance to noncurrent loans | 115.9855% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,353 |
| Noncurrent loans to loans | 1.2364% | 1,257 |
| Net loans and leases to total assets | 38.5379% | 4,650 |
| Net loans and leases to deposits | 45.5605% | 4,663 |
| Net loans and leases to core deposits | 47.7346% | 4,674 |
| Total domestic deposits to total assets | 84.5861% | 2,534 |
| Equity capital to assets | 13.6789% | 937 |
| Core capital (leverage) ratio | 12.2571% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6086% | 827 |
| Memoranda: | ||
| Average total assets | $381,709,333 | 1,886 |
| Average earning assets | $356,001,333 | 1,872 |
| Average equity | $52,241,000 | 1,600 |
| Average total loans | $156,569,333 | 2,597 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,987 |
| Cost of funding earning assets | 0.5878% | 3,494 |
| Net interest margin | 3.6918% | 2,352 |
| Noninterest income to average assets | 0.3124% | 3,640 |
| Noninterest expense to average assets | 2.2853% | 3,802 |
| Loan and lease loss provision to assets | 0.6086% | 451 |
| Net operating income to assets | 0.6651% | 3,389 |
| Return on assets (ROA) | 0.6838% | 3,396 |
| Pretax return on assets | 0.8802% | 3,191 |
| Return on Equity (ROE) | 4.9947% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.6225% | 2,835 |
| Net charge-offs to loans | 2.2389% | 60 |
| Credit loss provision to net charge-offs | 64.6522% | 1,997 |
| Earnings coverage of net charge-offs (x) | 1.5564% | 2,378 |
| Efficiency ratio | 58.7865% | 3,901 |
| Assets per employee ($millions) | 4.2249% | 3,621 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 864 |
| Loan loss allowance to noncurrent loans | 94.8080% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 1,805 |
| Noncurrent loans to loans | 1.8034% | 835 |
| Net loans and leases to total assets | 40.7590% | 4,637 |
| Net loans and leases to deposits | 48.0355% | 4,657 |
| Net loans and leases to core deposits | 50.5687% | 4,661 |
| Total domestic deposits to total assets | 84.8519% | 2,461 |
| Equity capital to assets | 13.4678% | 1,232 |
| Core capital (leverage) ratio | 12.5208% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4653% | 806 |
| Memoranda: | ||
| Average total assets | $372,640,000 | 1,881 |
| Average earning assets | $347,037,500 | 1,863 |
| Average equity | $51,014,000 | 1,630 |
| Average total loans | $156,686,500 | 2,575 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 2,684 |
| Cost of funding earning assets | 0.4443% | 4,286 |
| Net interest margin | 4.1369% | 1,460 |
| Noninterest income to average assets | 0.2986% | 3,894 |
| Noninterest expense to average assets | 2.6501% | 3,028 |
| Loan and lease loss provision to assets | 0.3070% | 535 |
| Net operating income to assets | 0.9125% | 3,158 |
| Return on assets (ROA) | 0.9224% | 3,193 |
| Pretax return on assets | 1.2110% | 2,800 |
| Return on Equity (ROE) | 6.3920% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.5315% | 2,692 |
| Net charge-offs to loans | 0.0545% | 2,319 |
| Credit loss provision to net charge-offs | 1,279.0698% | 270 |
| Earnings coverage of net charge-offs (x) | 62.7209% | 957 |
| Efficiency ratio | 61.7637% | 3,418 |
| Assets per employee ($millions) | 4.0138% | 3,888 |
| Cash dividends to net income (ytd only)* | 29.1074% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 565 |
| Loan loss allowance to noncurrent loans | 89.9909% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 1,247 |
| Noncurrent loans to loans | 2.1004% | 600 |
| Net loans and leases to total assets | 41.8320% | 4,677 |
| Net loans and leases to deposits | 49.5374% | 4,700 |
| Net loans and leases to core deposits | 52.0295% | 4,705 |
| Total domestic deposits to total assets | 84.4453% | 2,708 |
| Equity capital to assets | 13.9160% | 1,127 |
| Core capital (leverage) ratio | 12.6564% | 1,402 |
| Tier 1 risk-based capital ratio | 20.4558% | 1,256 |
| Total risk-based capital ratio | 21.7065% | 1,228 |
| Memoranda: | ||
| Average total assets | $358,290,200 | 1,881 |
| Average earning assets | $334,041,200 | 1,866 |
| Average equity | $51,705,000 | 1,552 |
| Average total loans | $157,720,800 | 2,536 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 2,388 |
| Cost of funding earning assets | 0.4040% | 4,491 |
| Net interest margin | 4.3061% | 1,154 |
| Noninterest income to average assets | 0.2940% | 3,977 |
| Noninterest expense to average assets | 2.5916% | 3,186 |
| Loan and lease loss provision to assets | 0.2906% | 512 |
| Net operating income to assets | 1.0741% | 2,668 |
| Return on assets (ROA) | 1.0860% | 2,719 |
| Pretax return on assets | 1.4438% | 2,140 |
| Return on Equity (ROE) | 7.4564% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.2668% | 2,238 |
| Net charge-offs to loans | 0.2045% | 858 |
| Credit loss provision to net charge-offs | 320.2479% | 915 |
| Earnings coverage of net charge-offs (x) | 18.9462% | 2,028 |
| Efficiency ratio | 58.1594% | 3,912 |
| Assets per employee ($millions) | 3.9633% | 3,952 |
| Cash dividends to net income (ytd only)* | 15.9529% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 841 |
| Loan loss allowance to noncurrent loans | 78.1397% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 1,372 |
| Noncurrent loans to loans | 2.1593% | 600 |
| Net loans and leases to total assets | 40.3087% | 4,805 |
| Net loans and leases to deposits | 48.0760% | 4,818 |
| Net loans and leases to core deposits | 50.1172% | 4,830 |
| Total domestic deposits to total assets | 83.8436% | 2,880 |
| Equity capital to assets | 14.9475% | 858 |
| Core capital (leverage) ratio | 13.3291% | 1,201 |
| Tier 1 risk-based capital ratio | 22.8432% | 963 |
| Total risk-based capital ratio | 24.0807% | 942 |
| Memoranda: | ||
| Average total assets | $355,546,500 | 1,904 |
| Average earning assets | $331,674,500 | 1,890 |
| Average equity | $51,784,500 | 1,550 |
| Average total loans | $157,789,250 | 2,560 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 2,215 |
| Cost of funding earning assets | 0.3835% | 4,569 |
| Net interest margin | 4.3685% | 999 |
| Noninterest income to average assets | 0.2866% | 4,027 |
| Noninterest expense to average assets | 2.6843% | 2,956 |
| Loan and lease loss provision to assets | 0.2261% | 730 |
| Net operating income to assets | 1.0947% | 2,546 |
| Return on assets (ROA) | 1.1050% | 2,576 |
| Pretax return on assets | 1.4645% | 1,975 |
| Return on Equity (ROE) | 7.6553% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.4296% | 2,088 |
| Net charge-offs to loans | 0.2508% | 669 |
| Credit loss provision to net charge-offs | 198.0198% | 1,225 |
| Earnings coverage of net charge-offs (x) | 14.6931% | 2,020 |
| Efficiency ratio | 59.5957% | 3,786 |
| Assets per employee ($millions) | 3.7852% | 4,148 |
| Cash dividends to net income (ytd only)* | 16.0102% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 1,797 |
| Loan loss allowance to noncurrent loans | 114.5889% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 1,963 |
| Noncurrent loans to loans | 1.1818% | 1,359 |
| Net loans and leases to total assets | 44.6982% | 4,693 |
| Net loans and leases to deposits | 53.3192% | 4,707 |
| Net loans and leases to core deposits | 54.8649% | 4,753 |
| Total domestic deposits to total assets | 83.8314% | 2,939 |
| Equity capital to assets | 15.0076% | 807 |
| Core capital (leverage) ratio | 13.1197% | 1,247 |
| Tier 1 risk-based capital ratio | 21.2985% | 1,140 |
| Total risk-based capital ratio | 22.3165% | 1,156 |
| Memoranda: | ||
| Average total assets | $353,841,330 | 1,917 |
| Average earning assets | $330,088,330 | 1,907 |
| Average equity | $51,076,000 | 1,561 |
| Average total loans | $161,094,670 | 2,524 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 906 |
| Cost of funding earning assets | 0.3707% | 4,600 |
| Net interest margin | 4.8342% | 379 |
| Noninterest income to average assets | 0.3089% | 3,807 |
| Noninterest expense to average assets | 2.7332% | 2,800 |
| Loan and lease loss provision to assets | 0.3665% | 321 |
| Net operating income to assets | 1.2956% | 1,710 |
| Return on assets (ROA) | 1.3170% | 1,680 |
| Pretax return on assets | 1.7500% | 1,097 |
| Return on Equity (ROE) | 9.3070% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.0161% | 1,653 |
| Net charge-offs to loans | 0.1384% | 917 |
| Credit loss provision to net charge-offs | 580.3571% | 554 |
| Earnings coverage of net charge-offs (x) | 33.0893% | 1,270 |
| Efficiency ratio | 54.9217% | 4,444 |
| Assets per employee ($millions) | 3.8834% | 4,087 |
| Cash dividends to net income (ytd only)* | 13.8699% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,687 |
| Loan loss allowance to noncurrent loans | 88.7430% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 1,626 |
| Noncurrent loans to loans | 1.5742% | 1,010 |
| Net loans and leases to total assets | 44.0755% | 4,749 |
| Net loans and leases to deposits | 52.0633% | 4,754 |
| Net loans and leases to core deposits | 53.4404% | 4,804 |
| Total domestic deposits to total assets | 84.6575% | 2,796 |
| Equity capital to assets | 14.2979% | 938 |
| Core capital (leverage) ratio | 12.7340% | 1,384 |
| Tier 1 risk-based capital ratio | 19.8485% | 1,363 |
| Total risk-based capital ratio | 20.8440% | 1,396 |
| Memoranda: | ||
| Average total assets | $354,751,500 | 1,931 |
| Average earning assets | $331,221,000 | 1,916 |
| Average equity | $50,199,000 | 1,571 |
| Average total loans | $161,888,500 | 2,545 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 2,476 |
| Cost of funding earning assets | 0.3380% | 4,362 |
| Net interest margin | 4.1562% | 1,511 |
| Noninterest income to average assets | 0.3194% | 3,975 |
| Noninterest expense to average assets | 2.8400% | 2,548 |
| Loan and lease loss provision to assets | 0.0631% | 2,898 |
| Net operating income to assets | 1.0446% | 2,828 |
| Return on assets (ROA) | 1.0456% | 2,809 |
| Pretax return on assets | 1.3259% | 2,413 |
| Return on Equity (ROE) | 6.9225% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.0437% | 2,741 |
| Net charge-offs to loans | 0.1796% | 1,067 |
| Credit loss provision to net charge-offs | 74.9064% | 2,928 |
| Earnings coverage of net charge-offs (x) | 16.4831% | 2,245 |
| Efficiency ratio | 65.4758% | 2,955 |
| Assets per employee ($millions) | 3.9137% | 4,021 |
| Cash dividends to net income (ytd only)* | 27.1411% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,593 |
| Loan loss allowance to noncurrent loans | 120.2943% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 1,891 |
| Noncurrent loans to loans | 0.9940% | 1,634 |
| Net loans and leases to total assets | 46.0251% | 4,736 |
| Net loans and leases to deposits | 54.1159% | 4,747 |
| Net loans and leases to core deposits | 55.5569% | 4,796 |
| Total domestic deposits to total assets | 85.0491% | 2,626 |
| Equity capital to assets | 14.0009% | 968 |
| Core capital (leverage) ratio | 12.3024% | 1,561 |
| Tier 1 risk-based capital ratio | 19.4168% | 1,422 |
| Total risk-based capital ratio | 20.2946% | 1,475 |
| Memoranda: | ||
| Average total assets | $317,151,000 | 2,057 |
| Average earning assets | $298,227,400 | 2,027 |
| Average equity | $47,901,600 | 1,573 |
| Average total loans | $148,641,000 | 2,662 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,198 |
| Cost of funding earning assets | 0.3160% | 4,405 |
| Net interest margin | 4.2121% | 1,319 |
| Noninterest income to average assets | 0.2962% | 4,166 |
| Noninterest expense to average assets | 2.7999% | 2,631 |
| Loan and lease loss provision to assets | 0.1016% | 1,969 |
| Net operating income to assets | 1.0513% | 2,863 |
| Return on assets (ROA) | 1.0394% | 2,932 |
| Pretax return on assets | 1.3502% | 2,426 |
| Return on Equity (ROE) | 6.7411% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.4792% | 2,966 |
| Net charge-offs to loans | 0.2496% | 679 |
| Credit loss provision to net charge-offs | 86.7159% | 2,455 |
| Earnings coverage of net charge-offs (x) | 12.5205% | 2,445 |
| Efficiency ratio | 64.0693% | 3,174 |
| Assets per employee ($millions) | 3.9791% | 3,924 |
| Cash dividends to net income (ytd only)* | 18.7190% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,118 |
| Loan loss allowance to noncurrent loans | 174.3657% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 2,428 |
| Noncurrent loans to loans | 0.7422% | 2,231 |
| Net loans and leases to total assets | 42.4441% | 4,936 |
| Net loans and leases to deposits | 49.6421% | 4,963 |
| Net loans and leases to core deposits | 50.9771% | 4,995 |
| Total domestic deposits to total assets | 85.5002% | 2,397 |
| Equity capital to assets | 13.4040% | 1,171 |
| Core capital (leverage) ratio | 11.9283% | 1,828 |
| Tier 1 risk-based capital ratio | 19.9179% | 1,353 |
| Total risk-based capital ratio | 20.8441% | 1,381 |
| Memoranda: | ||
| Average total assets | $308,380,250 | 2,112 |
| Average earning assets | $290,713,000 | 2,085 |
| Average equity | $47,548,000 | 1,585 |
| Average total loans | $144,781,750 | 2,727 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,820 |
| Cost of funding earning assets | 0.2907% | 4,490 |
| Net interest margin | 4.2948% | 1,043 |
| Noninterest income to average assets | 0.2899% | 4,243 |
| Noninterest expense to average assets | 2.8752% | 2,427 |
| Loan and lease loss provision to assets | 0.2639% | 579 |
| Net operating income to assets | 0.9296% | 3,322 |
| Return on assets (ROA) | 0.9123% | 3,415 |
| Pretax return on assets | 1.2001% | 2,947 |
| Return on Equity (ROE) | 5.6164% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.3505% | 3,427 |
| Net charge-offs to loans | -0.0367% | 4,812 |
| Credit loss provision to net charge-offs | -1,480.7692% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7022% | 3,212 |
| Assets per employee ($millions) | 4.2148% | 3,556 |
| Cash dividends to net income (ytd only)* | 22.5394% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,373 |
| Loan loss allowance to noncurrent loans | 165.7609% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 2,283 |
| Noncurrent loans to loans | 0.9097% | 1,903 |
| Net loans and leases to total assets | 41.5543% | 5,001 |
| Net loans and leases to deposits | 47.9656% | 5,029 |
| Net loans and leases to core deposits | 49.2864% | 5,059 |
| Total domestic deposits to total assets | 86.6336% | 2,002 |
| Equity capital to assets | 12.3772% | 1,611 |
| Core capital (leverage) ratio | 11.3250% | 2,231 |
| Tier 1 risk-based capital ratio | 17.8775% | 1,833 |
| Total risk-based capital ratio | 18.9452% | 1,847 |
| Memoranda: | ||
| Average total assets | $291,801,670 | 2,222 |
| Average earning assets | $276,616,670 | 2,177 |
| Average equity | $47,396,670 | 1,594 |
| Average total loans | $141,711,670 | 2,774 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,458 |
| Cost of funding earning assets | 0.2558% | 4,677 |
| Net interest margin | 4.3867% | 790 |
| Noninterest income to average assets | 0.2391% | 4,568 |
| Noninterest expense to average assets | 2.7439% | 2,893 |
| Loan and lease loss provision to assets | 0.2602% | 553 |
| Net operating income to assets | 1.0705% | 2,563 |
| Return on assets (ROA) | 1.0962% | 2,452 |
| Pretax return on assets | 1.4508% | 1,832 |
| Return on Equity (ROE) | 5.6927% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.4258% | 3,423 |
| Net charge-offs to loans | -0.0182% | 4,510 |
| Credit loss provision to net charge-offs | -2,666.6667% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9345% | 3,800 |
| Assets per employee ($millions) | 3.7085% | 4,408 |
| Cash dividends to net income (ytd only)* | 22.2552% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,039 |
| Loan loss allowance to noncurrent loans | 92.4989% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4153% | 1,016 |
| Noncurrent loans to loans | 1.7915% | 937 |
| Net loans and leases to total assets | 53.2207% | 4,349 |
| Net loans and leases to deposits | 68.0856% | 3,937 |
| Net loans and leases to core deposits | 68.8604% | 4,163 |
| Total domestic deposits to total assets | 78.1674% | 4,708 |
| Equity capital to assets | 19.2738% | 244 |
| Core capital (leverage) ratio | 18.8080% | 263 |
| Tier 1 risk-based capital ratio | 24.2093% | 822 |
| Total risk-based capital ratio | 25.3602% | 806 |
| Memoranda: | ||
| Average total assets | $245,930,500 | 2,549 |
| Average earning assets | $234,527,500 | 2,497 |
| Average equity | $47,359,000 | 1,600 |
| Average total loans | $131,658,000 | 2,912 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 1,202 |
| Cost of funding earning assets | 0.2548% | 4,522 |
| Net interest margin | 4.4420% | 697 |
| Noninterest income to average assets | 0.2588% | 4,583 |
| Noninterest expense to average assets | 2.7828% | 2,840 |
| Loan and lease loss provision to assets | 0.1320% | 1,738 |
| Net operating income to assets | 1.0639% | 2,000 |
| Return on assets (ROA) | 1.0672% | 2,008 |
| Pretax return on assets | 1.5697% | 1,384 |
| Return on Equity (ROE) | 5.6046% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.7847% | 2,957 |
| Net charge-offs to loans | 0.1528% | 1,581 |
| Credit loss provision to net charge-offs | 178.5714% | 1,515 |
| Earnings coverage of net charge-offs (x) | 22.9505% | 1,833 |
| Efficiency ratio | 61.9933% | 3,937 |
| Assets per employee ($millions) | 3.6880% | 4,448 |
| Cash dividends to net income (ytd only)* | 32.4705% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 1,274 |
| Loan loss allowance to noncurrent loans | 284.9719% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 2,089 |
| Noncurrent loans to loans | 0.5441% | 2,870 |
| Net loans and leases to total assets | 52.1362% | 4,511 |
| Net loans and leases to deposits | 65.9479% | 4,194 |
| Net loans and leases to core deposits | 66.6829% | 4,378 |
| Total domestic deposits to total assets | 79.0566% | 4,531 |
| Equity capital to assets | 19.2405% | 240 |
| Core capital (leverage) ratio | 18.4524% | 267 |
| Tier 1 risk-based capital ratio | 23.6583% | 847 |
| Total risk-based capital ratio | 24.7189% | 846 |
| Memoranda: | ||
| Average total assets | $246,154,200 | 2,516 |
| Average earning assets | $233,903,000 | 2,467 |
| Average equity | $46,872,600 | 1,606 |
| Average total loans | $119,131,000 | 3,070 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,224 |
| Cost of funding earning assets | 0.2398% | 4,656 |
| Net interest margin | 4.4219% | 700 |
| Noninterest income to average assets | 0.2554% | 4,678 |
| Noninterest expense to average assets | 2.7488% | 2,901 |
| Loan and lease loss provision to assets | 0.1139% | 1,893 |
| Net operating income to assets | 1.0810% | 2,171 |
| Return on assets (ROA) | 1.0833% | 2,220 |
| Pretax return on assets | 1.5956% | 1,442 |
| Return on Equity (ROE) | 5.7037% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.4477% | 3,252 |
| Net charge-offs to loans | 0.1801% | 1,166 |
| Credit loss provision to net charge-offs | 133.7580% | 1,843 |
| Earnings coverage of net charge-offs (x) | 20.0444% | 1,973 |
| Efficiency ratio | 61.5797% | 3,941 |
| Assets per employee ($millions) | 3.6899% | 4,461 |
| Cash dividends to net income (ytd only)* | 22.0220% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,232 |
| Loan loss allowance to noncurrent loans | 273.0986% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,314 |
| Noncurrent loans to loans | 0.5872% | 2,939 |
| Net loans and leases to total assets | 48.1229% | 4,816 |
| Net loans and leases to deposits | 60.9948% | 4,581 |
| Net loans and leases to core deposits | 61.5798% | 4,737 |
| Total domestic deposits to total assets | 78.8968% | 4,547 |
| Equity capital to assets | 19.1920% | 265 |
| Core capital (leverage) ratio | 18.5771% | 273 |
| Tier 1 risk-based capital ratio | 24.9168% | 762 |
| Total risk-based capital ratio | 25.9909% | 765 |
| Memoranda: | ||
| Average total assets | $245,918,000 | 2,536 |
| Average earning assets | $233,558,000 | 2,482 |
| Average equity | $46,705,000 | 1,626 |
| Average total loans | $116,199,500 | 3,135 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 1,033 |
| Cost of funding earning assets | 0.2365% | 4,670 |
| Net interest margin | 4.4755% | 600 |
| Noninterest income to average assets | 0.2395% | 4,807 |
| Noninterest expense to average assets | 2.8002% | 2,762 |
| Loan and lease loss provision to assets | 0.1304% | 1,595 |
| Net operating income to assets | 1.0638% | 2,148 |
| Return on assets (ROA) | 1.0705% | 2,165 |
| Pretax return on assets | 1.5586% | 1,464 |
| Return on Equity (ROE) | 5.6568% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.4083% | 3,085 |
| Net charge-offs to loans | 0.3106% | 655 |
| Credit loss provision to net charge-offs | 89.8876% | 2,143 |
| Earnings coverage of net charge-offs (x) | 11.5787% | 2,262 |
| Efficiency ratio | 62.3863% | 3,925 |
| Assets per employee ($millions) | 3.6876% | 4,453 |
| Cash dividends to net income (ytd only)* | 22.0700% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,345 |
| Loan loss allowance to noncurrent loans | 237.0558% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 2,114 |
| Noncurrent loans to loans | 0.6605% | 2,766 |
| Net loans and leases to total assets | 48.2527% | 4,807 |
| Net loans and leases to deposits | 61.2703% | 4,544 |
| Net loans and leases to core deposits | 61.3513% | 4,749 |
| Total domestic deposits to total assets | 78.7539% | 4,677 |
| Equity capital to assets | 19.4296% | 246 |
| Core capital (leverage) ratio | 18.4620% | 276 |
| Tier 1 risk-based capital ratio | 26.6200% | 633 |
| Total risk-based capital ratio | 27.7389% | 623 |
| Memoranda: | ||
| Average total assets | $245,483,000 | 2,551 |
| Average earning assets | $232,556,330 | 2,503 |
| Average equity | $46,457,670 | 1,628 |
| Average total loans | $114,629,330 | 3,161 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 830 |
| Cost of funding earning assets | 0.2359% | 4,673 |
| Net interest margin | 4.5215% | 505 |
| Noninterest income to average assets | 0.2320% | 4,884 |
| Noninterest expense to average assets | 2.7582% | 2,928 |
| Loan and lease loss provision to assets | 0.0811% | 2,192 |
| Net operating income to assets | 1.1405% | 1,709 |
| Return on assets (ROA) | 1.1585% | 1,671 |
| Pretax return on assets | 1.6793% | 1,050 |
| Return on Equity (ROE) | 6.2030% | 3,811 |
| Retained earnings to average equity (ytd only) | 4.8998% | 2,948 |
| Net charge-offs to loans | 0.4488% | 408 |
| Credit loss provision to net charge-offs | 39.6825% | 2,065 |
| Earnings coverage of net charge-offs (x) | 8.4841% | 2,061 |
| Efficiency ratio | 61.2857% | 4,269 |
| Assets per employee ($millions) | 3.6089% | 4,629 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 1,484 |
| Loan loss allowance to noncurrent loans | 256.0113% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 2,341 |
| Noncurrent loans to loans | 0.6088% | 2,999 |
| Net loans and leases to total assets | 46.5832% | 4,914 |
| Net loans and leases to deposits | 58.7614% | 4,645 |
| Net loans and leases to core deposits | 58.8379% | 4,835 |
| Total domestic deposits to total assets | 79.2752% | 4,774 |
| Equity capital to assets | 18.9168% | 251 |
| Core capital (leverage) ratio | 17.8827% | 294 |
| Tier 1 risk-based capital ratio | 26.3169% | 665 |
| Total risk-based capital ratio | 27.3999% | 666 |
| Memoranda: | ||
| Average total assets | $246,534,000 | 2,568 |
| Average earning assets | $232,310,000 | 2,530 |
| Average equity | $46,042,500 | 1,642 |
| Average total loans | $112,291,000 | 3,212 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 2,810 |
| Cost of funding earning assets | 0.2643% | 4,424 |
| Net interest margin | 3.8465% | 2,150 |
| Noninterest income to average assets | 0.2413% | 4,978 |
| Noninterest expense to average assets | 2.6237% | 3,608 |
| Loan and lease loss provision to assets | 0.0239% | 3,887 |
| Net operating income to assets | 0.8502% | 3,067 |
| Return on assets (ROA) | 0.8719% | 3,079 |
| Pretax return on assets | 1.2513% | 2,467 |
| Return on Equity (ROE) | 4.7402% | 4,542 |
| Retained earnings to average equity (ytd only) | 2.8246% | 3,888 |
| Net charge-offs to loans | 0.0379% | 3,270 |
| Credit loss provision to net charge-offs | 162.1622% | 1,705 |
| Earnings coverage of net charge-offs (x) | 84.4595% | 684 |
| Efficiency ratio | 67.6891% | 3,306 |
| Assets per employee ($millions) | 3.4882% | 4,779 |
| Cash dividends to net income (ytd only)* | 40.4110% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 1,060 |
| Loan loss allowance to noncurrent loans | 195.2381% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 2,118 |
| Noncurrent loans to loans | 0.8907% | 2,315 |
| Net loans and leases to total assets | 43.0296% | 5,177 |
| Net loans and leases to deposits | 54.0359% | 5,010 |
| Net loans and leases to core deposits | 54.1053% | 5,147 |
| Total domestic deposits to total assets | 79.6315% | 4,651 |
| Equity capital to assets | 18.4372% | 279 |
| Core capital (leverage) ratio | 17.5317% | 313 |
| Tier 1 risk-based capital ratio | 26.2868% | 672 |
| Total risk-based capital ratio | 27.4106% | 664 |
| Memoranda: | ||
| Average total assets | $251,170,600 | 2,496 |
| Average earning assets | $236,814,800 | 2,460 |
| Average equity | $46,200,800 | 1,631 |
| Average total loans | $97,671,400 | 3,429 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,880 |
| Cost of funding earning assets | 0.2570% | 4,540 |
| Net interest margin | 3.8423% | 2,184 |
| Noninterest income to average assets | 0.2396% | 5,042 |
| Noninterest expense to average assets | 2.6121% | 3,614 |
| Loan and lease loss provision to assets | 0.0317% | 3,593 |
| Net operating income to assets | 0.8804% | 3,010 |
| Return on assets (ROA) | 0.9093% | 2,990 |
| Pretax return on assets | 1.2664% | 2,546 |
| Return on Equity (ROE) | 4.9464% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.5508% | 3,768 |
| Net charge-offs to loans | 0.0730% | 2,272 |
| Credit loss provision to net charge-offs | 115.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 45.7319% | 1,139 |
| Efficiency ratio | 67.3592% | 3,347 |
| Assets per employee ($millions) | 3.5346% | 4,736 |
| Cash dividends to net income (ytd only)* | 28.2141% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 844 |
| Loan loss allowance to noncurrent loans | 241.7313% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 2,425 |
| Noncurrent loans to loans | 0.7880% | 2,706 |
| Net loans and leases to total assets | 38.3967% | 5,447 |
| Net loans and leases to deposits | 48.4491% | 5,364 |
| Net loans and leases to core deposits | 48.5108% | 5,438 |
| Total domestic deposits to total assets | 79.2516% | 4,664 |
| Equity capital to assets | 18.9082% | 273 |
| Core capital (leverage) ratio | 17.5496% | 329 |
| Tier 1 risk-based capital ratio | 26.9741% | 644 |
| Total risk-based capital ratio | 28.1200% | 633 |
| Memoranda: | ||
| Average total assets | $252,047,750 | 2,496 |
| Average earning assets | $238,151,000 | 2,450 |
| Average equity | $46,335,500 | 1,639 |
| Average total loans | $94,975,750 | 3,490 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,865 |
| Cost of funding earning assets | 0.2561% | 4,594 |
| Net interest margin | 3.8425% | 2,162 |
| Noninterest income to average assets | 0.2330% | 5,087 |
| Noninterest expense to average assets | 2.6346% | 3,595 |
| Loan and lease loss provision to assets | 0.0475% | 3,198 |
| Net operating income to assets | 0.8548% | 3,074 |
| Return on assets (ROA) | 0.9017% | 2,987 |
| Pretax return on assets | 1.2408% | 2,633 |
| Return on Equity (ROE) | 4.9517% | 4,539 |
| Retained earnings to average equity (ytd only) | 3.6899% | 3,542 |
| Net charge-offs to loans | 0.0959% | 1,883 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,279 |
| Efficiency ratio | 68.1314% | 3,319 |
| Assets per employee ($millions) | 3.6574% | 4,508 |
| Cash dividends to net income (ytd only)* | 25.4833% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 719 |
| Loan loss allowance to noncurrent loans | 205.4705% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 2,333 |
| Noncurrent loans to loans | 0.9779% | 2,323 |
| Net loans and leases to total assets | 36.2939% | 5,593 |
| Net loans and leases to deposits | 45.5414% | 5,511 |
| Net loans and leases to core deposits | 45.5988% | 5,574 |
| Total domestic deposits to total assets | 79.6942% | 4,627 |
| Equity capital to assets | 18.6185% | 286 |
| Core capital (leverage) ratio | 17.6041% | 323 |
| Tier 1 risk-based capital ratio | 27.8559% | 604 |
| Total risk-based capital ratio | 29.0536% | 591 |
| Memoranda: | ||
| Average total assets | $252,412,330 | 2,513 |
| Average earning assets | $238,178,330 | 2,467 |
| Average equity | $45,963,670 | 1,653 |
| Average total loans | $93,891,330 | 3,521 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 2,531 |
| Cost of funding earning assets | 0.2573% | 4,632 |
| Net interest margin | 3.9275% | 1,855 |
| Noninterest income to average assets | 0.2393% | 5,033 |
| Noninterest expense to average assets | 2.6557% | 3,557 |
| Loan and lease loss provision to assets | 0.0634% | 2,686 |
| Net operating income to assets | 0.9127% | 2,686 |
| Return on assets (ROA) | 0.9079% | 2,837 |
| Pretax return on assets | 1.2138% | 2,644 |
| Return on Equity (ROE) | 5.0426% | 4,463 |
| Retained earnings to average equity (ytd only) | 3.7226% | 3,630 |
| Net charge-offs to loans | 0.2040% | 977 |
| Credit loss provision to net charge-offs | 83.3333% | 1,813 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,600 |
| Efficiency ratio | 67.2969% | 3,581 |
| Assets per employee ($millions) | 3.6289% | 4,593 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 827 |
| Loan loss allowance to noncurrent loans | 130.5419% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 2,337 |
| Noncurrent loans to loans | 1.5276% | 1,534 |
| Net loans and leases to total assets | 36.4090% | 5,616 |
| Net loans and leases to deposits | 45.5220% | 5,533 |
| Net loans and leases to core deposits | 45.6481% | 5,606 |
| Total domestic deposits to total assets | 79.9810% | 4,748 |
| Equity capital to assets | 18.3752% | 299 |
| Core capital (leverage) ratio | 17.3087% | 346 |
| Tier 1 risk-based capital ratio | 28.0826% | 603 |
| Total risk-based capital ratio | 29.2877% | 591 |
| Memoranda: | ||
| Average total assets | $252,437,500 | 2,520 |
| Average earning assets | $237,813,000 | 2,479 |
| Average equity | $45,452,500 | 1,661 |
| Average total loans | $94,102,000 | 3,534 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 1,734 |
| Cost of funding earning assets | 0.2818% | 4,468 |
| Net interest margin | 4.1711% | 1,230 |
| Noninterest income to average assets | 0.2033% | 5,378 |
| Noninterest expense to average assets | 2.7165% | 3,528 |
| Loan and lease loss provision to assets | 0.0457% | 3,412 |
| Net operating income to assets | 0.8935% | 2,909 |
| Return on assets (ROA) | 0.8895% | 3,010 |
| Pretax return on assets | 1.3326% | 2,154 |
| Return on Equity (ROE) | 4.9736% | 4,515 |
| Retained earnings to average equity (ytd only) | 3.1795% | 3,791 |
| Net charge-offs to loans | 0.3146% | 958 |
| Credit loss provision to net charge-offs | 37.4593% | 3,562 |
| Earnings coverage of net charge-offs (x) | 11.3550% | 2,591 |
| Efficiency ratio | 66.1083% | 3,888 |
| Assets per employee ($millions) | 3.7423% | 4,389 |
| Cash dividends to net income (ytd only)* | 36.0714% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 866 |
| Loan loss allowance to noncurrent loans | 207.2303% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 2,896 |
| Noncurrent loans to loans | 0.9445% | 2,443 |
| Net loans and leases to total assets | 36.6708% | 5,682 |
| Net loans and leases to deposits | 45.3864% | 5,597 |
| Net loans and leases to core deposits | 45.6424% | 5,665 |
| Total domestic deposits to total assets | 80.7968% | 4,548 |
| Equity capital to assets | 17.6416% | 343 |
| Core capital (leverage) ratio | 16.9317% | 370 |
| Tier 1 risk-based capital ratio | 26.5429% | 699 |
| Total risk-based capital ratio | 27.6979% | 686 |
| Memoranda: | ||
| Average total assets | $251,833,600 | 2,489 |
| Average earning assets | $235,311,200 | 2,459 |
| Average equity | $45,038,200 | 1,637 |
| Average total loans | $97,574,800 | 3,426 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,418 |
| Cost of funding earning assets | 0.2754% | 4,606 |
| Net interest margin | 4.2927% | 970 |
| Noninterest income to average assets | 0.2219% | 5,327 |
| Noninterest expense to average assets | 2.7109% | 3,521 |
| Loan and lease loss provision to assets | 0.0610% | 2,962 |
| Net operating income to assets | 1.0017% | 2,460 |
| Return on assets (ROA) | 0.9969% | 2,573 |
| Pretax return on assets | 1.4481% | 1,836 |
| Return on Equity (ROE) | 5.5551% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.3128% | 3,403 |
| Net charge-offs to loans | 0.1317% | 1,816 |
| Credit loss provision to net charge-offs | 118.5567% | 2,007 |
| Earnings coverage of net charge-offs (x) | 29.4433% | 1,517 |
| Efficiency ratio | 64.0085% | 4,244 |
| Assets per employee ($millions) | 3.5639% | 4,684 |
| Cash dividends to net income (ytd only)* | 22.3644% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1435% | 720 |
| Loan loss allowance to noncurrent loans | 179.1703% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 1,884 |
| Noncurrent loans to loans | 1.1964% | 2,134 |
| Net loans and leases to total assets | 37.4002% | 5,733 |
| Net loans and leases to deposits | 46.3627% | 5,634 |
| Net loans and leases to core deposits | 46.6261% | 5,710 |
| Total domestic deposits to total assets | 80.6686% | 4,558 |
| Equity capital to assets | 18.0719% | 335 |
| Core capital (leverage) ratio | 17.0658% | 377 |
| Tier 1 risk-based capital ratio | 26.4427% | 734 |
| Total risk-based capital ratio | 27.7070% | 716 |
| Memoranda: | ||
| Average total assets | $251,172,500 | 2,517 |
| Average earning assets | $234,346,750 | 2,486 |
| Average equity | $45,074,250 | 1,650 |
| Average total loans | $98,173,000 | 3,446 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 1,154 |
| Cost of funding earning assets | 0.2737% | 4,682 |
| Net interest margin | 4.3823% | 783 |
| Noninterest income to average assets | 0.2283% | 5,333 |
| Noninterest expense to average assets | 2.6741% | 3,674 |
| Loan and lease loss provision to assets | 0.0918% | 2,283 |
| Net operating income to assets | 1.0479% | 2,148 |
| Return on assets (ROA) | 1.0441% | 2,275 |
| Pretax return on assets | 1.5342% | 1,541 |
| Return on Equity (ROE) | 5.8320% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.5613% | 3,129 |
| Net charge-offs to loans | 0.1642% | 1,484 |
| Credit loss provision to net charge-offs | 141.9753% | 1,586 |
| Earnings coverage of net charge-offs (x) | 25.2346% | 1,532 |
| Efficiency ratio | 61.9763% | 4,681 |
| Assets per employee ($millions) | 3.5456% | 4,716 |
| Cash dividends to net income (ytd only)* | 21.7890% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 758 |
| Loan loss allowance to noncurrent loans | 127.5336% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 1,720 |
| Noncurrent loans to loans | 1.7100% | 1,513 |
| Net loans and leases to total assets | 37.2211% | 5,769 |
| Net loans and leases to deposits | 45.8594% | 5,684 |
| Net loans and leases to core deposits | 46.1190% | 5,758 |
| Total domestic deposits to total assets | 81.1636% | 4,560 |
| Equity capital to assets | 17.7491% | 359 |
| Core capital (leverage) ratio | 17.1664% | 352 |
| Tier 1 risk-based capital ratio | 26.3109% | 750 |
| Total risk-based capital ratio | 27.5755% | 736 |
| Memoranda: | ||
| Average total assets | $250,550,330 | 2,548 |
| Average earning assets | $233,118,330 | 2,515 |
| Average equity | $44,856,000 | 1,663 |
| Average total loans | $98,660,670 | 3,461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 1,620 |
| Cost of funding earning assets | 0.2735% | 4,743 |
| Net interest margin | 4.1725% | 1,125 |
| Noninterest income to average assets | 0.2336% | 5,290 |
| Noninterest expense to average assets | 2.7125% | 3,542 |
| Loan and lease loss provision to assets | 0.1520% | 1,340 |
| Net operating income to assets | 0.8808% | 2,840 |
| Return on assets (ROA) | 0.8785% | 2,976 |
| Pretax return on assets | 1.2482% | 2,477 |
| Return on Equity (ROE) | 4.8861% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.5511% | 3,871 |
| Net charge-offs to loans | -0.0799% | 5,747 |
| Credit loss provision to net charge-offs | -475.0000% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7854% | 4,195 |
| Assets per employee ($millions) | 3.6311% | 4,660 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2004% | 807 |
| Loan loss allowance to noncurrent loans | 106.7913% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 1,784 |
| Noncurrent loans to loans | 2.0605% | 1,258 |
| Net loans and leases to total assets | 38.4960% | 5,696 |
| Net loans and leases to deposits | 47.9462% | 5,567 |
| Net loans and leases to core deposits | 48.2218% | 5,662 |
| Total domestic deposits to total assets | 80.2900% | 4,996 |
| Equity capital to assets | 18.1051% | 325 |
| Core capital (leverage) ratio | 16.7811% | 380 |
| Tier 1 risk-based capital ratio | 25.1668% | 872 |
| Total risk-based capital ratio | 26.4176% | 851 |
| Memoranda: | ||
| Average total assets | $249,957,500 | 2,558 |
| Average earning assets | $232,571,500 | 2,530 |
| Average equity | $44,943,500 | 1,663 |
| Average total loans | $100,097,000 | 3,447 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 2,073 |
| Cost of funding earning assets | 0.3161% | 4,622 |
| Net interest margin | 4.1336% | 1,477 |
| Noninterest income to average assets | 0.1869% | 5,738 |
| Noninterest expense to average assets | 2.5414% | 4,417 |
| Loan and lease loss provision to assets | 0.0683% | 3,121 |
| Net operating income to assets | 0.9443% | 2,653 |
| Return on assets (ROA) | 0.9506% | 2,711 |
| Pretax return on assets | 1.3965% | 1,901 |
| Return on Equity (ROE) | 5.6463% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,677 |
| Net charge-offs to loans | 0.0762% | 3,396 |
| Credit loss provision to net charge-offs | 239.7260% | 1,062 |
| Earnings coverage of net charge-offs (x) | 51.1096% | 915 |
| Efficiency ratio | 63.4492% | 4,675 |
| Assets per employee ($millions) | 3.4635% | 4,954 |
| Cash dividends to net income (ytd only)* | 36.6434% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 1,066 |
| Loan loss allowance to noncurrent loans | 114.4847% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4160% | 1,950 |
| Noncurrent loans to loans | 1.7672% | 1,631 |
| Net loans and leases to total assets | 39.9082% | 5,751 |
| Net loans and leases to deposits | 49.4573% | 5,612 |
| Net loans and leases to core deposits | 49.8063% | 5,721 |
| Total domestic deposits to total assets | 80.6923% | 4,829 |
| Equity capital to assets | 17.8553% | 329 |
| Core capital (leverage) ratio | 16.1348% | 456 |
| Tier 1 risk-based capital ratio | 25.4368% | 801 |
| Total risk-based capital ratio | 26.6865% | 791 |
| Memoranda: | ||
| Average total assets | $256,354,800 | 2,468 |
| Average earning assets | $236,283,200 | 2,456 |
| Average equity | $43,161,200 | 1,665 |
| Average total loans | $95,760,200 | 3,511 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 2,029 |
| Cost of funding earning assets | 0.3166% | 4,710 |
| Net interest margin | 4.1400% | 1,464 |
| Noninterest income to average assets | 0.1808% | 5,835 |
| Noninterest expense to average assets | 2.5741% | 4,276 |
| Loan and lease loss provision to assets | 0.0723% | 2,898 |
| Net operating income to assets | 0.9404% | 2,731 |
| Return on assets (ROA) | 0.9314% | 2,860 |
| Pretax return on assets | 1.3312% | 2,269 |
| Return on Equity (ROE) | 5.6141% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.1568% | 3,697 |
| Net charge-offs to loans | 0.1456% | 2,341 |
| Credit loss provision to net charge-offs | 135.9223% | 1,716 |
| Earnings coverage of net charge-offs (x) | 26.6214% | 1,480 |
| Efficiency ratio | 64.3754% | 4,484 |
| Assets per employee ($millions) | 3.4938% | 4,873 |
| Cash dividends to net income (ytd only)* | 25.9566% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9653% | 1,320 |
| Loan loss allowance to noncurrent loans | 137.3361% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 2,444 |
| Noncurrent loans to loans | 1.4310% | 2,272 |
| Net loans and leases to total assets | 38.9214% | 5,890 |
| Net loans and leases to deposits | 47.7075% | 5,781 |
| Net loans and leases to core deposits | 48.1535% | 5,879 |
| Total domestic deposits to total assets | 81.5833% | 4,633 |
| Equity capital to assets | 17.4024% | 388 |
| Core capital (leverage) ratio | 15.0584% | 611 |
| Tier 1 risk-based capital ratio | 24.1988% | 966 |
| Total risk-based capital ratio | 25.4143% | 950 |
| Memoranda: | ||
| Average total assets | $258,100,500 | 2,470 |
| Average earning assets | $237,516,500 | 2,465 |
| Average equity | $42,820,000 | 1,687 |
| Average total loans | $94,306,500 | 3,574 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,579 |
| Cost of funding earning assets | 0.3200% | 4,757 |
| Net interest margin | 3.9810% | 1,870 |
| Noninterest income to average assets | 0.2632% | 5,320 |
| Noninterest expense to average assets | 2.5888% | 4,277 |
| Loan and lease loss provision to assets | 0.0232% | 3,811 |
| Net operating income to assets | 0.9244% | 2,682 |
| Return on assets (ROA) | 0.9123% | 2,847 |
| Pretax return on assets | 1.2836% | 2,322 |
| Return on Equity (ROE) | 5.5888% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.0380% | 3,607 |
| Net charge-offs to loans | 0.1739% | 2,002 |
| Credit loss provision to net charge-offs | 37.5000% | 2,957 |
| Earnings coverage of net charge-offs (x) | 21.4375% | 1,544 |
| Efficiency ratio | 66.0288% | 4,363 |
| Assets per employee ($millions) | 3.6414% | 4,569 |
| Cash dividends to net income (ytd only)* | 27.7496% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0873% | 1,201 |
| Loan loss allowance to noncurrent loans | 142.1210% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 3,143 |
| Noncurrent loans to loans | 1.4687% | 2,359 |
| Net loans and leases to total assets | 34.0479% | 6,140 |
| Net loans and leases to deposits | 41.3133% | 6,100 |
| Net loans and leases to core deposits | 41.6358% | 6,165 |
| Total domestic deposits to total assets | 82.4139% | 4,500 |
| Equity capital to assets | 16.5883% | 469 |
| Core capital (leverage) ratio | 14.9483% | 616 |
| Tier 1 risk-based capital ratio | 24.6796% | 906 |
| Total risk-based capital ratio | 25.9294% | 892 |
| Memoranda: | ||
| Average total assets | $259,119,000 | 2,463 |
| Average earning assets | $237,528,000 | 2,471 |
| Average equity | $42,298,670 | 1,697 |
| Average total loans | $91,989,670 | 3,639 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,648 |
| Cost of funding earning assets | 0.3265% | 4,776 |
| Net interest margin | 3.9401% | 1,954 |
| Noninterest income to average assets | 0.2422% | 5,417 |
| Noninterest expense to average assets | 2.5964% | 4,280 |
| Loan and lease loss provision to assets | 0.0466% | 3,164 |
| Net operating income to assets | 0.8638% | 2,831 |
| Return on assets (ROA) | 0.8572% | 2,933 |
| Pretax return on assets | 1.2066% | 2,465 |
| Return on Equity (ROE) | 5.2946% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.3955% | 4,093 |
| Net charge-offs to loans | 0.1645% | 1,734 |
| Credit loss provision to net charge-offs | 78.9474% | 1,906 |
| Earnings coverage of net charge-offs (x) | 21.3947% | 1,291 |
| Efficiency ratio | 67.1630% | 4,336 |
| Assets per employee ($millions) | 3.6290% | 4,663 |
| Cash dividends to net income (ytd only)* | 35.8696% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1496% | 1,237 |
| Loan loss allowance to noncurrent loans | 137.5530% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 3,071 |
| Noncurrent loans to loans | 1.5627% | 2,474 |
| Net loans and leases to total assets | 34.3627% | 6,161 |
| Net loans and leases to deposits | 41.6301% | 6,095 |
| Net loans and leases to core deposits | 42.0253% | 6,158 |
| Total domestic deposits to total assets | 82.5429% | 4,771 |
| Equity capital to assets | 16.4333% | 471 |
| Core capital (leverage) ratio | 14.2495% | 745 |
| Tier 1 risk-based capital ratio | 21.3896% | 1,401 |
| Total risk-based capital ratio | 22.5355% | 1,397 |
| Memoranda: | ||
| Average total assets | $257,589,500 | 2,482 |
| Average earning assets | $236,441,000 | 2,485 |
| Average equity | $41,702,500 | 1,713 |
| Average total loans | $92,400,000 | 3,649 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,497 |
| Cost of funding earning assets | 0.3711% | 4,936 |
| Net interest margin | 4.0525% | 1,796 |
| Noninterest income to average assets | 0.2510% | 5,549 |
| Noninterest expense to average assets | 2.5100% | 4,736 |
| Loan and lease loss provision to assets | 0.2537% | 1,421 |
| Net operating income to assets | 0.9151% | 2,704 |
| Return on assets (ROA) | 0.9139% | 2,800 |
| Pretax return on assets | 1.2087% | 2,540 |
| Return on Equity (ROE) | 5.7155% | 4,262 |
| Retained earnings to average equity (ytd only) | 1.0491% | 5,368 |
| Net charge-offs to loans | 0.8255% | 749 |
| Credit loss provision to net charge-offs | 81.0644% | 3,021 |
| Earnings coverage of net charge-offs (x) | 4.6770% | 3,492 |
| Efficiency ratio | 63.0240% | 5,056 |
| Assets per employee ($millions) | 3.6270% | 4,620 |
| Cash dividends to net income (ytd only)* | 81.6448% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 1,393 |
| Loan loss allowance to noncurrent loans | 138.8060% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 3,079 |
| Noncurrent loans to loans | 1.4918% | 2,654 |
| Net loans and leases to total assets | 35.8665% | 6,210 |
| Net loans and leases to deposits | 43.1206% | 6,168 |
| Net loans and leases to core deposits | 43.5266% | 6,248 |
| Total domestic deposits to total assets | 83.1772% | 4,478 |
| Equity capital to assets | 15.9456% | 532 |
| Core capital (leverage) ratio | 14.1882% | 777 |
| Tier 1 risk-based capital ratio | 20.9411% | 1,430 |
| Total risk-based capital ratio | 22.0987% | 1,435 |
| Memoranda: | ||
| Average total assets | $258,132,000 | 2,453 |
| Average earning assets | $237,140,000 | 2,448 |
| Average equity | $41,274,000 | 1,693 |
| Average total loans | $97,881,800 | 3,503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,968 |
| Cost of funding earning assets | 0.3755% | 5,044 |
| Net interest margin | 3.9295% | 2,174 |
| Noninterest income to average assets | 0.2498% | 5,643 |
| Noninterest expense to average assets | 2.5320% | 4,613 |
| Loan and lease loss provision to assets | 0.1833% | 1,985 |
| Net operating income to assets | 0.8625% | 3,039 |
| Return on assets (ROA) | 0.8574% | 3,171 |
| Pretax return on assets | 1.1413% | 2,941 |
| Return on Equity (ROE) | 5.3588% | 4,533 |
| Retained earnings to average equity (ytd only) | 0.2742% | 5,859 |
| Net charge-offs to loans | 0.7127% | 837 |
| Credit loss provision to net charge-offs | 67.2348% | 3,125 |
| Earnings coverage of net charge-offs (x) | 4.8845% | 3,334 |
| Efficiency ratio | 65.4062% | 4,589 |
| Assets per employee ($millions) | 3.5655% | 4,723 |
| Cash dividends to net income (ytd only)* | 94.8826% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 1,897 |
| Loan loss allowance to noncurrent loans | 79.4819% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 3,052 |
| Noncurrent loans to loans | 2.4359% | 1,793 |
| Net loans and leases to total assets | 38.6752% | 6,128 |
| Net loans and leases to deposits | 46.7430% | 6,049 |
| Net loans and leases to core deposits | 47.2535% | 6,156 |
| Total domestic deposits to total assets | 82.7401% | 4,667 |
| Equity capital to assets | 15.7790% | 585 |
| Core capital (leverage) ratio | 13.8304% | 912 |
| Tier 1 risk-based capital ratio | 19.8964% | 1,756 |
| Total risk-based capital ratio | 21.0130% | 1,757 |
| Memoranda: | ||
| Average total assets | $258,285,250 | 2,467 |
| Average earning assets | $237,515,500 | 2,460 |
| Average equity | $41,326,750 | 1,707 |
| Average total loans | $98,773,250 | 3,508 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 3,183 |
| Cost of funding earning assets | 0.3833% | 5,101 |
| Net interest margin | 3.8578% | 2,349 |
| Noninterest income to average assets | 0.2231% | 5,846 |
| Noninterest expense to average assets | 2.4992% | 4,733 |
| Loan and lease loss provision to assets | 0.1462% | 2,509 |
| Net operating income to assets | 0.8562% | 3,016 |
| Return on assets (ROA) | 0.8492% | 3,197 |
| Pretax return on assets | 1.1300% | 2,974 |
| Return on Equity (ROE) | 5.2839% | 4,574 |
| Retained earnings to average equity (ytd only) | -1.6608% | 6,150 |
| Net charge-offs to loans | 0.4735% | 1,396 |
| Credit loss provision to net charge-offs | 81.5451% | 2,598 |
| Earnings coverage of net charge-offs (x) | 7.1717% | 2,586 |
| Efficiency ratio | 65.8943% | 4,567 |
| Assets per employee ($millions) | 3.6938% | 4,414 |
| Cash dividends to net income (ytd only)* | 131.4312% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 1,680 |
| Loan loss allowance to noncurrent loans | 90.9211% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 3,123 |
| Noncurrent loans to loans | 2.2865% | 2,071 |
| Net loans and leases to total assets | 37.5807% | 6,203 |
| Net loans and leases to deposits | 45.3238% | 6,149 |
| Net loans and leases to core deposits | 45.7529% | 6,243 |
| Total domestic deposits to total assets | 82.9162% | 4,729 |
| Equity capital to assets | 15.6308% | 598 |
| Core capital (leverage) ratio | 13.7456% | 901 |
| Tier 1 risk-based capital ratio | 20.1236% | 1,694 |
| Total risk-based capital ratio | 21.3229% | 1,672 |
| Memoranda: | ||
| Average total assets | $259,998,000 | 2,459 |
| Average earning assets | $240,035,670 | 2,447 |
| Average equity | $41,787,670 | 1,692 |
| Average total loans | $98,418,330 | 3,534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 3,308 |
| Cost of funding earning assets | 0.3962% | 5,144 |
| Net interest margin | 3.8036% | 2,438 |
| Noninterest income to average assets | 0.2317% | 5,798 |
| Noninterest expense to average assets | 2.5330% | 4,641 |
| Loan and lease loss provision to assets | 0.1534% | 2,332 |
| Net operating income to assets | 0.7928% | 3,205 |
| Return on assets (ROA) | 0.7825% | 3,399 |
| Pretax return on assets | 1.0372% | 3,193 |
| Return on Equity (ROE) | 4.8030% | 4,687 |
| Retained earnings to average equity (ytd only) | 3.5787% | 4,094 |
| Net charge-offs to loans | 0.5918% | 1,032 |
| Credit loss provision to net charge-offs | 68.9655% | 2,313 |
| Earnings coverage of net charge-offs (x) | 5.4138% | 2,368 |
| Efficiency ratio | 67.6519% | 4,379 |
| Assets per employee ($millions) | 3.7860% | 4,382 |
| Cash dividends to net income (ytd only)* | 25.4902% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 1,706 |
| Loan loss allowance to noncurrent loans | 87.5159% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 3,509 |
| Noncurrent loans to loans | 2.4462% | 2,107 |
| Net loans and leases to total assets | 35.5489% | 6,328 |
| Net loans and leases to deposits | 43.0323% | 6,270 |
| Net loans and leases to core deposits | 43.4798% | 6,337 |
| Total domestic deposits to total assets | 82.6097% | 4,985 |
| Equity capital to assets | 16.1146% | 543 |
| Core capital (leverage) ratio | 14.2750% | 722 |
| Tier 1 risk-based capital ratio | 20.8810% | 1,564 |
| Total risk-based capital ratio | 22.0635% | 1,554 |
| Memoranda: | ||
| Average total assets | $260,714,000 | 2,485 |
| Average earning assets | $240,296,500 | 2,471 |
| Average equity | $42,473,500 | 1,682 |
| Average total loans | $98,010,500 | 3,565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 3,171 |
| Cost of funding earning assets | 0.5587% | 4,739 |
| Net interest margin | 4.0005% | 2,386 |
| Noninterest income to average assets | 0.2665% | 5,552 |
| Noninterest expense to average assets | 2.5565% | 4,911 |
| Loan and lease loss provision to assets | 0.3033% | 2,252 |
| Net operating income to assets | 1.0029% | 2,322 |
| Return on assets (ROA) | 0.8934% | 3,086 |
| Pretax return on assets | 0.9568% | 3,715 |
| Return on Equity (ROE) | 5.5311% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.6171% | 3,661 |
| Net charge-offs to loans | 0.5315% | 2,132 |
| Credit loss provision to net charge-offs | 144.0520% | 1,894 |
| Earnings coverage of net charge-offs (x) | 6.5446% | 2,794 |
| Efficiency ratio | 64.8399% | 4,731 |
| Assets per employee ($millions) | 3.6630% | 4,644 |
| Cash dividends to net income (ytd only)* | 34.6036% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 1,739 |
| Loan loss allowance to noncurrent loans | 90.1927% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 3,405 |
| Noncurrent loans to loans | 2.3409% | 2,298 |
| Net loans and leases to total assets | 38.0809% | 6,302 |
| Net loans and leases to deposits | 46.3609% | 6,231 |
| Net loans and leases to core deposits | 46.6818% | 6,340 |
| Total domestic deposits to total assets | 82.1401% | 5,047 |
| Equity capital to assets | 16.4738% | 483 |
| Core capital (leverage) ratio | 14.1905% | 749 |
| Tier 1 risk-based capital ratio | 20.6237% | 1,543 |
| Total risk-based capital ratio | 21.8345% | 1,520 |
| Memoranda: | ||
| Average total assets | $255,543,400 | 2,485 |
| Average earning assets | $234,294,400 | 2,462 |
| Average equity | $41,276,000 | 1,692 |
| Average total loans | $101,221,800 | 3,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 3,327 |
| Cost of funding earning assets | 0.5851% | 4,790 |
| Net interest margin | 3.9869% | 2,552 |
| Noninterest income to average assets | 0.2616% | 5,692 |
| Noninterest expense to average assets | 2.4386% | 5,277 |
| Loan and lease loss provision to assets | 0.3786% | 1,703 |
| Net operating income to assets | 0.9687% | 2,664 |
| Return on assets (ROA) | 0.8277% | 3,556 |
| Pretax return on assets | 0.9420% | 3,953 |
| Return on Equity (ROE) | 5.1499% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.8828% | 4,155 |
| Net charge-offs to loans | 0.6470% | 1,694 |
| Credit loss provision to net charge-offs | 147.0588% | 1,931 |
| Earnings coverage of net charge-offs (x) | 5.7525% | 2,934 |
| Efficiency ratio | 62.0837% | 5,135 |
| Assets per employee ($millions) | 3.6232% | 4,714 |
| Cash dividends to net income (ytd only)* | 24.6058% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 2,013 |
| Loan loss allowance to noncurrent loans | 80.9946% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 3,470 |
| Noncurrent loans to loans | 2.5407% | 2,248 |
| Net loans and leases to total assets | 38.8720% | 6,359 |
| Net loans and leases to deposits | 47.2839% | 6,301 |
| Net loans and leases to core deposits | 47.6110% | 6,442 |
| Total domestic deposits to total assets | 82.2099% | 4,948 |
| Equity capital to assets | 16.4859% | 527 |
| Core capital (leverage) ratio | 14.5916% | 688 |
| Tier 1 risk-based capital ratio | 20.6538% | 1,606 |
| Total risk-based capital ratio | 21.8503% | 1,586 |
| Memoranda: | ||
| Average total assets | $255,327,500 | 2,503 |
| Average earning assets | $234,263,500 | 2,486 |
| Average equity | $41,035,000 | 1,714 |
| Average total loans | $101,590,250 | 3,520 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 3,397 |
| Cost of funding earning assets | 0.6183% | 4,734 |
| Net interest margin | 3.9742% | 2,616 |
| Noninterest income to average assets | 0.2584% | 5,727 |
| Noninterest expense to average assets | 2.4210% | 5,380 |
| Loan and lease loss provision to assets | 0.4123% | 1,595 |
| Net operating income to assets | 0.9852% | 2,529 |
| Return on assets (ROA) | 0.7625% | 3,811 |
| Pretax return on assets | 0.8198% | 4,402 |
| Return on Equity (ROE) | 4.7860% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.5044% | 4,261 |
| Net charge-offs to loans | 0.7947% | 1,386 |
| Credit loss provision to net charge-offs | 130.2730% | 2,112 |
| Earnings coverage of net charge-offs (x) | 4.6501% | 3,028 |
| Efficiency ratio | 62.0537% | 5,238 |
| Assets per employee ($millions) | 3.5627% | 4,836 |
| Cash dividends to net income (ytd only)* | 26.7765% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 2,442 |
| Loan loss allowance to noncurrent loans | 74.4577% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 3,465 |
| Noncurrent loans to loans | 2.5930% | 2,315 |
| Net loans and leases to total assets | 39.9805% | 6,342 |
| Net loans and leases to deposits | 48.7059% | 6,269 |
| Net loans and leases to core deposits | 49.2400% | 6,385 |
| Total domestic deposits to total assets | 82.0856% | 5,095 |
| Equity capital to assets | 16.3675% | 525 |
| Core capital (leverage) ratio | 14.0748% | 785 |
| Tier 1 risk-based capital ratio | 19.5096% | 1,849 |
| Total risk-based capital ratio | 20.6255% | 1,851 |
| Memoranda: | ||
| Average total assets | $254,688,670 | 2,503 |
| Average earning assets | $232,902,670 | 2,496 |
| Average equity | $40,577,000 | 1,720 |
| Average total loans | $101,421,330 | 3,536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 3,379 |
| Cost of funding earning assets | 0.6564% | 4,670 |
| Net interest margin | 3.9694% | 2,633 |
| Noninterest income to average assets | 0.2520% | 5,841 |
| Noninterest expense to average assets | 2.4683% | 5,251 |
| Loan and lease loss provision to assets | 0.2348% | 2,592 |
| Net operating income to assets | 1.0826% | 2,162 |
| Return on assets (ROA) | 0.7842% | 3,692 |
| Pretax return on assets | 0.8436% | 4,252 |
| Return on Equity (ROE) | 4.9895% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.6948% | 4,372 |
| Net charge-offs to loans | 0.2983% | 2,467 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 11.9200% | 1,635 |
| Efficiency ratio | 63.6989% | 4,981 |
| Assets per employee ($millions) | 3.6497% | 4,766 |
| Cash dividends to net income (ytd only)* | 25.9481% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9936% | 2,377 |
| Loan loss allowance to noncurrent loans | 139.3548% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 4,294 |
| Noncurrent loans to loans | 1.4306% | 3,967 |
| Net loans and leases to total assets | 36.8813% | 6,565 |
| Net loans and leases to deposits | 44.4819% | 6,529 |
| Net loans and leases to core deposits | 44.9512% | 6,621 |
| Total domestic deposits to total assets | 82.9129% | 4,964 |
| Equity capital to assets | 15.6291% | 635 |
| Core capital (leverage) ratio | 13.7040% | 877 |
| Tier 1 risk-based capital ratio | 19.8471% | 1,744 |
| Total risk-based capital ratio | 20.9772% | 1,746 |
| Memoranda: | ||
| Average total assets | $255,556,500 | 2,515 |
| Average earning assets | $232,779,000 | 2,515 |
| Average equity | $40,164,500 | 1,729 |
| Average total loans | $100,570,500 | 3,582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 2,465 |
| Cost of funding earning assets | 0.8747% | 4,293 |
| Net interest margin | 4.2226% | 1,984 |
| Noninterest income to average assets | 0.2823% | 5,510 |
| Noninterest expense to average assets | 2.5984% | 5,101 |
| Loan and lease loss provision to assets | 0.2286% | 3,911 |
| Net operating income to assets | 1.0026% | 2,183 |
| Return on assets (ROA) | 0.9291% | 2,605 |
| Pretax return on assets | 1.1954% | 2,478 |
| Return on Equity (ROE) | 6.0781% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.8492% | 3,471 |
| Net charge-offs to loans | 0.8216% | 2,105 |
| Credit loss provision to net charge-offs | 65.5644% | 5,006 |
| Earnings coverage of net charge-offs (x) | 4.3546% | 3,149 |
| Efficiency ratio | 62.9841% | 5,306 |
| Assets per employee ($millions) | 3.5491% | 4,888 |
| Cash dividends to net income (ytd only)* | 36.6709% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 2,861 |
| Loan loss allowance to noncurrent loans | 242.7273% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 5,115 |
| Noncurrent loans to loans | 0.7430% | 5,215 |
| Net loans and leases to total assets | 40.3826% | 6,519 |
| Net loans and leases to deposits | 48.6448% | 6,453 |
| Net loans and leases to core deposits | 49.4024% | 6,561 |
| Total domestic deposits to total assets | 83.0154% | 4,744 |
| Equity capital to assets | 15.8064% | 609 |
| Core capital (leverage) ratio | 13.9872% | 827 |
| Tier 1 risk-based capital ratio | 20.2530% | 1,583 |
| Total risk-based capital ratio | 21.3576% | 1,584 |
| Memoranda: | ||
| Average total assets | $251,540,400 | 2,507 |
| Average earning assets | $228,415,200 | 2,526 |
| Average equity | $38,449,200 | 1,751 |
| Average total loans | $106,743,400 | 3,451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 2,463 |
| Cost of funding earning assets | 0.9096% | 4,334 |
| Net interest margin | 4.2232% | 2,010 |
| Noninterest income to average assets | 0.2826% | 5,584 |
| Noninterest expense to average assets | 2.6716% | 4,835 |
| Loan and lease loss provision to assets | 0.1723% | 4,313 |
| Net operating income to assets | 0.9379% | 2,579 |
| Return on assets (ROA) | 0.9057% | 2,854 |
| Pretax return on assets | 1.2287% | 2,526 |
| Return on Equity (ROE) | 5.9765% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.1394% | 3,785 |
| Net charge-offs to loans | 0.5369% | 2,623 |
| Credit loss provision to net charge-offs | 75.0577% | 4,314 |
| Earnings coverage of net charge-offs (x) | 6.2910% | 2,578 |
| Efficiency ratio | 64.7771% | 4,939 |
| Assets per employee ($millions) | 3.5554% | 4,869 |
| Cash dividends to net income (ytd only)* | 30.7375% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0351% | 2,243 |
| Loan loss allowance to noncurrent loans | 217.6160% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9379% | 4,879 |
| Noncurrent loans to loans | 0.9352% | 5,009 |
| Net loans and leases to total assets | 38.7943% | 6,726 |
| Net loans and leases to deposits | 46.5958% | 6,713 |
| Net loans and leases to core deposits | 47.2493% | 6,794 |
| Total domestic deposits to total assets | 83.2572% | 4,582 |
| Equity capital to assets | 15.3759% | 753 |
| Core capital (leverage) ratio | 13.8480% | 938 |
| Tier 1 risk-based capital ratio | 19.5129% | 1,812 |
| Total risk-based capital ratio | 20.7075% | 1,798 |
| Memoranda: | ||
| Average total assets | $251,428,750 | 2,514 |
| Average earning assets | $228,225,000 | 2,534 |
| Average equity | $38,104,000 | 1,770 |
| Average total loans | $107,522,250 | 3,473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 1,937 |
| Cost of funding earning assets | 0.9428% | 4,372 |
| Net interest margin | 4.3416% | 1,531 |
| Noninterest income to average assets | 0.2833% | 5,616 |
| Noninterest expense to average assets | 2.6346% | 5,063 |
| Loan and lease loss provision to assets | 0.1401% | 4,554 |
| Net operating income to assets | 1.0344% | 2,091 |
| Return on assets (ROA) | 0.9860% | 2,384 |
| Pretax return on assets | 1.3773% | 1,869 |
| Return on Equity (ROE) | 6.5384% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.4155% | 3,383 |
| Net charge-offs to loans | 0.6699% | 2,160 |
| Credit loss provision to net charge-offs | 47.6839% | 4,644 |
| Earnings coverage of net charge-offs (x) | 5.3951% | 2,616 |
| Efficiency ratio | 62.3103% | 5,541 |
| Assets per employee ($millions) | 3.5022% | 4,929 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 2,677 |
| Loan loss allowance to noncurrent loans | 229.8490% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 4,656 |
| Noncurrent loans to loans | 0.8254% | 5,280 |
| Net loans and leases to total assets | 40.5850% | 6,697 |
| Net loans and leases to deposits | 48.7663% | 6,682 |
| Net loans and leases to core deposits | 49.5804% | 6,776 |
| Total domestic deposits to total assets | 83.2235% | 4,660 |
| Equity capital to assets | 15.2845% | 752 |
| Core capital (leverage) ratio | 13.7019% | 942 |
| Tier 1 risk-based capital ratio | 19.0208% | 1,839 |
| Total risk-based capital ratio | 20.1622% | 1,833 |
| Memoranda: | ||
| Average total assets | $249,908,000 | 2,550 |
| Average earning assets | $226,552,670 | 2,563 |
| Average equity | $37,685,000 | 1,780 |
| Average total loans | $109,572,000 | 3,464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 2,796 |
| Cost of funding earning assets | 0.9718% | 4,409 |
| Net interest margin | 4.0936% | 2,291 |
| Noninterest income to average assets | 0.2573% | 5,836 |
| Noninterest expense to average assets | 2.5822% | 5,288 |
| Loan and lease loss provision to assets | 0.1206% | 4,505 |
| Net operating income to assets | 0.9089% | 2,518 |
| Return on assets (ROA) | 0.8232% | 2,975 |
| Pretax return on assets | 1.1351% | 2,623 |
| Return on Equity (ROE) | 5.4970% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.0476% | 3,737 |
| Net charge-offs to loans | 0.0963% | 3,983 |
| Credit loss provision to net charge-offs | 277.7778% | 1,142 |
| Earnings coverage of net charge-offs (x) | 31.6296% | 805 |
| Efficiency ratio | 65.1626% | 5,174 |
| Assets per employee ($millions) | 3.4712% | 5,064 |
| Cash dividends to net income (ytd only)* | 26.3672% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 2,311 |
| Loan loss allowance to noncurrent loans | 63.8929% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 3,131 |
| Noncurrent loans to loans | 3.1931% | 2,349 |
| Net loans and leases to total assets | 42.6318% | 6,565 |
| Net loans and leases to deposits | 50.9731% | 6,549 |
| Net loans and leases to core deposits | 51.6985% | 6,697 |
| Total domestic deposits to total assets | 83.6360% | 4,650 |
| Equity capital to assets | 15.0561% | 750 |
| Core capital (leverage) ratio | 14.6071% | 725 |
| Tier 1 risk-based capital ratio | 19.8704% | 1,611 |
| Total risk-based capital ratio | 21.1131% | 1,581 |
| Memoranda: | ||
| Average total assets | $248,783,500 | 2,582 |
| Average earning assets | $224,739,500 | 2,604 |
| Average equity | $37,257,000 | 1,786 |
| Average total loans | $112,199,500 | 3,439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5241% | 2,189 |
| Cost of funding earning assets | 1.1914% | 4,615 |
| Net interest margin | 4.3327% | 1,703 |
| Noninterest income to average assets | 0.2984% | 5,660 |
| Noninterest expense to average assets | 2.6833% | 5,063 |
| Loan and lease loss provision to assets | 0.3221% | 4,241 |
| Net operating income to assets | 1.2259% | 1,355 |
| Return on assets (ROA) | 0.6902% | 3,394 |
| Pretax return on assets | 0.6948% | 3,994 |
| Return on Equity (ROE) | 4.3935% | 4,349 |
| Retained earnings to average equity (ytd only) | 2.6318% | 4,021 |
| Net charge-offs to loans | 0.2405% | 4,845 |
| Credit loss provision to net charge-offs | 273.8516% | 997 |
| Earnings coverage of net charge-offs (x) | 13.2473% | 1,426 |
| Efficiency ratio | 63.1393% | 5,489 |
| Assets per employee ($millions) | 3.3465% | 5,318 |
| Cash dividends to net income (ytd only)* | 40.0963% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,621 |
| Loan loss allowance to noncurrent loans | 59.8897% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8478% | 3,561 |
| Noncurrent loans to loans | 3.1349% | 2,432 |
| Net loans and leases to total assets | 45.8167% | 6,571 |
| Net loans and leases to deposits | 54.6510% | 6,557 |
| Net loans and leases to core deposits | 55.4813% | 6,723 |
| Total domestic deposits to total assets | 83.8351% | 4,432 |
| Equity capital to assets | 14.8945% | 815 |
| Core capital (leverage) ratio | 14.4537% | 753 |
| Tier 1 risk-based capital ratio | 18.6296% | 1,808 |
| Total risk-based capital ratio | 19.7941% | 1,795 |
| Memoranda: | ||
| Average total assets | $240,640,000 | 2,629 |
| Average earning assets | $218,984,400 | 2,645 |
| Average equity | $37,806,200 | 1,743 |
| Average total loans | $117,684,400 | 3,367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 2,280 |
| Cost of funding earning assets | 1.2277% | 4,701 |
| Net interest margin | 4.3150% | 1,794 |
| Noninterest income to average assets | 0.3008% | 5,740 |
| Noninterest expense to average assets | 2.6561% | 5,086 |
| Loan and lease loss provision to assets | 0.3907% | 3,549 |
| Net operating income to assets | 1.0993% | 1,886 |
| Return on assets (ROA) | 0.6921% | 3,610 |
| Pretax return on assets | 0.7484% | 4,088 |
| Return on Equity (ROE) | 4.3466% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.1513% | 4,227 |
| Net charge-offs to loans | 0.0463% | 6,067 |
| Credit loss provision to net charge-offs | 1,707.3171% | 184 |
| Earnings coverage of net charge-offs (x) | 69.1160% | 436 |
| Efficiency ratio | 62.5444% | 5,515 |
| Assets per employee ($millions) | 3.1871% | 5,708 |
| Cash dividends to net income (ytd only)* | 27.5003% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 2,298 |
| Loan loss allowance to noncurrent loans | 49.5969% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.2717% | 3,116 |
| Noncurrent loans to loans | 3.9766% | 1,890 |
| Net loans and leases to total assets | 48.6154% | 6,467 |
| Net loans and leases to deposits | 58.8573% | 6,394 |
| Net loans and leases to core deposits | 59.8865% | 6,613 |
| Total domestic deposits to total assets | 82.5988% | 4,752 |
| Equity capital to assets | 16.1989% | 639 |
| Core capital (leverage) ratio | 15.2487% | 669 |
| Tier 1 risk-based capital ratio | 18.9024% | 1,772 |
| Total risk-based capital ratio | 20.1287% | 1,743 |
| Memoranda: | ||
| Average total assets | $238,889,750 | 2,683 |
| Average earning assets | $217,961,250 | 2,689 |
| Average equity | $38,036,500 | 1,746 |
| Average total loans | $118,197,500 | 3,400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6051% | 2,125 |
| Cost of funding earning assets | 1.2564% | 4,789 |
| Net interest margin | 4.3487% | 1,596 |
| Noninterest income to average assets | 0.3023% | 5,737 |
| Noninterest expense to average assets | 2.6737% | 5,018 |
| Loan and lease loss provision to assets | 0.3140% | 3,867 |
| Net operating income to assets | 1.1294% | 1,762 |
| Return on assets (ROA) | 0.7955% | 3,139 |
| Pretax return on assets | 0.8985% | 3,496 |
| Return on Equity (ROE) | 5.0253% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.8615% | 3,632 |
| Net charge-offs to loans | -0.5572% | 7,737 |
| Credit loss provision to net charge-offs | -113.9818% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6056% | 5,592 |
| Assets per employee ($millions) | 3.1736% | 5,735 |
| Cash dividends to net income (ytd only)* | 23.1579% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 2,181 |
| Loan loss allowance to noncurrent loans | 60.8685% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8994% | 3,621 |
| Noncurrent loans to loans | 3.2857% | 2,437 |
| Net loans and leases to total assets | 49.0591% | 6,536 |
| Net loans and leases to deposits | 59.3424% | 6,473 |
| Net loans and leases to core deposits | 60.8559% | 6,646 |
| Total domestic deposits to total assets | 82.6713% | 4,704 |
| Equity capital to assets | 16.1666% | 645 |
| Core capital (leverage) ratio | 15.3599% | 658 |
| Tier 1 risk-based capital ratio | 19.0215% | 1,717 |
| Total risk-based capital ratio | 20.2712% | 1,676 |
| Memoranda: | ||
| Average total assets | $238,843,330 | 2,715 |
| Average earning assets | $217,444,000 | 2,712 |
| Average equity | $37,808,670 | 1,757 |
| Average total loans | $118,082,330 | 3,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6415% | 1,983 |
| Cost of funding earning assets | 1.2859% | 4,901 |
| Net interest margin | 4.3556% | 1,520 |
| Noninterest income to average assets | 0.2525% | 6,132 |
| Noninterest expense to average assets | 2.5462% | 5,560 |
| Loan and lease loss provision to assets | 0.2508% | 4,037 |
| Net operating income to assets | 1.2196% | 1,490 |
| Return on assets (ROA) | 1.0399% | 2,094 |
| Pretax return on assets | 1.2104% | 2,330 |
| Return on Equity (ROE) | 6.6394% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.5720% | 2,829 |
| Net charge-offs to loans | -1.8308% | 7,865 |
| Credit loss provision to net charge-offs | -27.8810% | 5,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2696% | 6,115 |
| Assets per employee ($millions) | 3.1522% | 5,878 |
| Cash dividends to net income (ytd only)* | 16.0772% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,034 |
| Loan loss allowance to noncurrent loans | 107.8851% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 5,081 |
| Noncurrent loans to loans | 1.9142% | 3,905 |
| Net loans and leases to total assets | 46.8554% | 6,764 |
| Net loans and leases to deposits | 56.4586% | 6,738 |
| Net loans and leases to core deposits | 58.7976% | 6,831 |
| Total domestic deposits to total assets | 82.9907% | 4,632 |
| Equity capital to assets | 15.9265% | 682 |
| Core capital (leverage) ratio | 15.0198% | 747 |
| Tier 1 risk-based capital ratio | 17.6538% | 2,036 |
| Total risk-based capital ratio | 18.7287% | 2,053 |
| Memoranda: | ||
| Average total assets | $239,254,500 | 2,772 |
| Average earning assets | $217,745,000 | 2,766 |
| Average equity | $37,473,000 | 1,795 |
| Average total loans | $117,546,500 | 3,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1330% | 1,425 |
| Cost of funding earning assets | 1.5204% | 5,438 |
| Net interest margin | 4.6126% | 957 |
| Noninterest income to average assets | 0.3477% | 5,609 |
| Noninterest expense to average assets | 2.9146% | 4,489 |
| Loan and lease loss provision to assets | 1.4217% | 1,612 |
| Net operating income to assets | 0.3979% | 4,139 |
| Return on assets (ROA) | -0.1518% | 5,766 |
| Pretax return on assets | -0.6282% | 6,120 |
| Return on Equity (ROE) | -0.9413% | 5,688 |
| Retained earnings to average equity (ytd only) | -2.6318% | 5,636 |
| Net charge-offs to loans | 4.2464% | 360 |
| Credit loss provision to net charge-offs | 63.0734% | 6,597 |
| Earnings coverage of net charge-offs (x) | 0.7331% | 5,364 |
| Efficiency ratio | 63.6833% | 5,834 |
| Assets per employee ($millions) | 3.1031% | 5,984 |
| Cash dividends to net income (ytd only)* | -179.5977% | 7,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 4,267 |
| Loan loss allowance to noncurrent loans | 39.3854% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 1.9017% | 3,528 |
| Noncurrent loans to loans | 3.5385% | 2,144 |
| Net loans and leases to total assets | 49.7179% | 6,671 |
| Net loans and leases to deposits | 59.5188% | 6,667 |
| Net loans and leases to core deposits | 68.5232% | 6,847 |
| Total domestic deposits to total assets | 83.5331% | 4,264 |
| Equity capital to assets | 15.3976% | 819 |
| Core capital (leverage) ratio | 14.5835% | 863 |
| Tier 1 risk-based capital ratio | 17.7021% | 1,969 |
| Total risk-based capital ratio | 18.5736% | 2,037 |
| Memoranda: | ||
| Average total assets | $229,225,400 | 2,831 |
| Average earning assets | $209,684,600 | 2,840 |
| Average equity | $36,971,200 | 1,820 |
| Average total loans | $121,680,800 | 3,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2323% | 1,291 |
| Cost of funding earning assets | 1.5505% | 5,634 |
| Net interest margin | 4.6817% | 864 |
| Noninterest income to average assets | 0.3557% | 5,645 |
| Noninterest expense to average assets | 2.9612% | 4,204 |
| Loan and lease loss provision to assets | 0.3527% | 4,205 |
| Net operating income to assets | 1.0123% | 2,012 |
| Return on assets (ROA) | 0.0946% | 5,535 |
| Pretax return on assets | -0.0964% | 5,840 |
| Return on Equity (ROE) | 0.5799% | 5,624 |
| Retained earnings to average equity (ytd only) | -0.8609% | 5,454 |
| Net charge-offs to loans | 1.0438% | 1,894 |
| Credit loss provision to net charge-offs | 62.8272% | 6,126 |
| Earnings coverage of net charge-offs (x) | 3.0105% | 3,729 |
| Efficiency ratio | 63.5364% | 5,835 |
| Assets per employee ($millions) | 2.8922% | 6,428 |
| Cash dividends to net income (ytd only)* | 248.4487% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6212% | 946 |
| Loan loss allowance to noncurrent loans | 49.5858% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.8693% | 2,426 |
| Noncurrent loans to loans | 5.2862% | 1,207 |
| Net loans and leases to total assets | 51.2533% | 6,678 |
| Net loans and leases to deposits | 62.1116% | 6,664 |
| Net loans and leases to core deposits | 71.6188% | 6,868 |
| Total domestic deposits to total assets | 82.5180% | 4,441 |
| Equity capital to assets | 16.3482% | 733 |
| Core capital (leverage) ratio | 15.6198% | 740 |
| Tier 1 risk-based capital ratio | 16.6223% | 2,386 |
| Total risk-based capital ratio | 17.7564% | 2,376 |
| Memoranda: | ||
| Average total assets | $226,796,750 | 2,872 |
| Average earning assets | $208,095,000 | 2,878 |
| Average equity | $37,016,250 | 1,838 |
| Average total loans | $121,982,250 | 3,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1724% | 1,551 |
| Cost of funding earning assets | 1.5600% | 5,884 |
| Net interest margin | 4.6124% | 932 |
| Noninterest income to average assets | 0.3228% | 5,928 |
| Noninterest expense to average assets | 3.0289% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1221% | 1,690 |
| Return on assets (ROA) | 0.0339% | 5,832 |
| Pretax return on assets | -0.1516% | 6,065 |
| Return on Equity (ROE) | 0.2077% | 5,861 |
| Retained earnings to average equity (ytd only) | -1.2955% | 5,568 |
| Net charge-offs to loans | 0.1234% | 4,928 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 23.1600% | 1,193 |
| Efficiency ratio | 66.0304% | 5,542 |
| Assets per employee ($millions) | 2.9853% | 6,172 |
| Cash dividends to net income (ytd only)* | 723.6842% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8816% | 627 |
| Loan loss allowance to noncurrent loans | 48.9614% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.2001% | 1,958 |
| Noncurrent loans to loans | 5.8855% | 942 |
| Net loans and leases to total assets | 51.4911% | 6,741 |
| Net loans and leases to deposits | 62.1942% | 6,717 |
| Net loans and leases to core deposits | 71.1911% | 6,956 |
| Total domestic deposits to total assets | 82.7908% | 4,338 |
| Equity capital to assets | 15.9655% | 832 |
| Core capital (leverage) ratio | 16.0821% | 733 |
| Tier 1 risk-based capital ratio | 16.6344% | 2,409 |
| Total risk-based capital ratio | 17.7729% | 2,381 |
| Memoranda: | ||
| Average total assets | $224,305,670 | 2,920 |
| Average earning assets | $206,922,670 | 2,911 |
| Average equity | $36,588,670 | 1,867 |
| Average total loans | $121,542,000 | 3,502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1680% | 1,701 |
| Cost of funding earning assets | 1.5997% | 6,029 |
| Net interest margin | 4.5683% | 997 |
| Noninterest income to average assets | 0.3286% | 5,820 |
| Noninterest expense to average assets | 2.9234% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3019% | 1,379 |
| Return on assets (ROA) | 1.0563% | 2,250 |
| Pretax return on assets | 1.3163% | 2,226 |
| Return on Equity (ROE) | 6.4052% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.7628% | 3,253 |
| Net charge-offs to loans | -0.9326% | 8,154 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1779% | 5,659 |
| Assets per employee ($millions) | 3.3799% | 5,123 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2091% | 402 |
| Loan loss allowance to noncurrent loans | 51.7449% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.4343% | 1,573 |
| Noncurrent loans to loans | 6.2019% | 748 |
| Net loans and leases to total assets | 52.3246% | 6,650 |
| Net loans and leases to deposits | 63.5594% | 6,600 |
| Net loans and leases to core deposits | 73.2826% | 6,849 |
| Total domestic deposits to total assets | 82.3239% | 4,430 |
| Equity capital to assets | 16.4501% | 802 |
| Core capital (leverage) ratio | 16.6163% | 699 |
| Tier 1 risk-based capital ratio | 14.9199% | 3,111 |
| Total risk-based capital ratio | 15.9813% | 3,124 |
| Memoranda: | ||
| Average total assets | $221,523,000 | 2,970 |
| Average earning assets | $204,538,500 | 2,957 |
| Average equity | $36,533,000 | 1,870 |
| Average total loans | $121,375,500 | 3,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5033% | 2,944 |
| Cost of funding earning assets | 1.9802% | 6,470 |
| Net interest margin | 4.5231% | 1,366 |
| Noninterest income to average assets | 0.3659% | 5,780 |
| Noninterest expense to average assets | 2.8982% | 4,457 |
| Loan and lease loss provision to assets | -0.4328% | 8,290 |
| Net operating income to assets | 1.5011% | 1,016 |
| Return on assets (ROA) | 0.1082% | 5,929 |
| Pretax return on assets | -0.1558% | 6,329 |
| Return on Equity (ROE) | 0.5985% | 6,039 |
| Retained earnings to average equity (ytd only) | -1.7954% | 5,813 |
| Net charge-offs to loans | -1.0154% | 8,234 |
| Credit loss provision to net charge-offs | 83.1793% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5192% | 5,448 |
| Assets per employee ($millions) | 2.9726% | 6,119 |
| Cash dividends to net income (ytd only)* | 400.0000% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9364% | 462 |
| Loan loss allowance to noncurrent loans | 47.4848% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 3.4996% | 1,271 |
| Noncurrent loans to loans | 6.1838% | 554 |
| Net loans and leases to total assets | 53.9030% | 6,667 |
| Net loans and leases to deposits | 65.6165% | 6,667 |
| Net loans and leases to core deposits | 74.3471% | 6,952 |
| Total domestic deposits to total assets | 82.1486% | 4,143 |
| Equity capital to assets | 16.5340% | 834 |
| Core capital (leverage) ratio | 16.7579% | 728 |
| Tier 1 risk-based capital ratio | 16.4049% | 2,518 |
| Total risk-based capital ratio | 17.4073% | 2,540 |
| Memoranda: | ||
| Average total assets | $207,957,600 | 3,031 |
| Average earning assets | $189,426,600 | 3,052 |
| Average equity | $37,595,200 | 1,798 |
| Average total loans | $106,562,000 | 3,776 |