Home > Peoples Trust and Savings Bank > Performance and Condition Ratios
Peoples Trust and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 2,765 |
| Cost of funding earning assets | 1.8393% | 1,186 |
| Net interest margin | 2.8223% | 3,618 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.7656% | 1,588 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.0516% | 4,287 |
| Return on assets (ROA) | 0.0516% | 4,316 |
| Pretax return on assets | 0.0516% | 4,310 |
| Return on Equity (ROE) | 0.4900% | 4,305 |
| Retained earnings to average equity (ytd only) | -1.7636% | 4,254 |
| Net charge-offs to loans | 0.0082% | 2,358 |
| Credit loss provision to net charge-offs | 1,531.2500% | 286 |
| Earnings coverage of net charge-offs (x) | 23.6250% | 1,787 |
| Efficiency ratio | 94.9613% | 276 |
| Assets per employee ($millions) | 5.2455% | 3,439 |
| Cash dividends to net income (ytd only)* | 461.6541% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 4,161 |
| Loan loss allowance to noncurrent loans | 157.4365% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 1,656 |
| Noncurrent loans to loans | 0.4239% | 1,718 |
| Net loans and leases to total assets | 75.4000% | 1,189 |
| Net loans and leases to deposits | 92.8175% | 1,025 |
| Net loans and leases to core deposits | 102.1060% | 1,325 |
| Total domestic deposits to total assets | 81.2300% | 3,267 |
| Equity capital to assets | 10.7595% | 1,600 |
| Core capital (leverage) ratio | 12.7326% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $257,589,000 | 2,636 |
| Average earning assets | $244,443,000 | 2,605 |
| Average equity | $27,274,400 | 2,400 |
| Average total loans | $194,653,600 | 2,324 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 2,621 |
| Cost of funding earning assets | 1.6933% | 1,201 |
| Net interest margin | 2.9328% | 3,473 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.8996% | 1,231 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.0041% | 4,370 |
| Return on assets (ROA) | -0.0005% | 4,416 |
| Pretax return on assets | -0.0005% | 4,402 |
| Return on Equity (ROE) | 0.0000% | 4,383 |
| Retained earnings to average equity (ytd only) | -6.1173% | 4,442 |
| Net charge-offs to loans | 0.0069% | 2,187 |
| Credit loss provision to net charge-offs | 2,350.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 24.3000% | 1,715 |
| Efficiency ratio | 95.8447% | 232 |
| Assets per employee ($millions) | 5.1136% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6687% | 4,183 |
| Loan loss allowance to noncurrent loans | 576.8889% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,001 |
| Noncurrent loans to loans | 0.1159% | 2,990 |
| Net loans and leases to total assets | 75.4100% | 1,189 |
| Net loans and leases to deposits | 92.1562% | 1,042 |
| Net loans and leases to core deposits | 101.3329% | 1,245 |
| Total domestic deposits to total assets | 81.8200% | 3,246 |
| Equity capital to assets | 9.8849% | 1,892 |
| Core capital (leverage) ratio | 12.3026% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $257,729,250 | 2,642 |
| Average earning assets | $244,489,500 | 2,614 |
| Average equity | $27,179,250 | 2,393 |
| Average total loans | $194,544,500 | 2,325 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 2,537 |
| Cost of funding earning assets | 1.5476% | 1,164 |
| Net interest margin | 2.9982% | 3,434 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.7545% | 1,513 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.0813% | 4,376 |
| Return on assets (ROA) | 0.0813% | 4,411 |
| Pretax return on assets | 0.0813% | 4,406 |
| Return on Equity (ROE) | 0.7600% | 4,386 |
| Retained earnings to average equity (ytd only) | -2.4160% | 4,315 |
| Net charge-offs to loans | 0.0082% | 1,906 |
| Credit loss provision to net charge-offs | 3,937.5000% | 137 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 1,266 |
| Efficiency ratio | 89.4446% | 370 |
| Assets per employee ($millions) | 4.8175% | 3,739 |
| Cash dividends to net income (ytd only)* | 420.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 4,165 |
| Loan loss allowance to noncurrent loans | 726.3158% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,041 |
| Noncurrent loans to loans | 0.0974% | 3,007 |
| Net loans and leases to total assets | 74.4500% | 1,231 |
| Net loans and leases to deposits | 91.3109% | 1,077 |
| Net loans and leases to core deposits | 101.3194% | 1,167 |
| Total domestic deposits to total assets | 81.5300% | 3,326 |
| Equity capital to assets | 10.6087% | 1,548 |
| Core capital (leverage) ratio | 12.5769% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $258,411,667 | 2,641 |
| Average earning assets | $245,150,000 | 2,608 |
| Average equity | $27,814,333 | 2,371 |
| Average total loans | $194,693,667 | 2,320 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 2,408 |
| Cost of funding earning assets | 1.3835% | 1,056 |
| Net interest margin | 3.0771% | 3,407 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.7964% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3304% | 4,205 |
| Return on assets (ROA) | 0.3304% | 4,163 |
| Pretax return on assets | 0.3304% | 4,234 |
| Return on Equity (ROE) | 3.0100% | 4,185 |
| Retained earnings to average equity (ytd only) | -1.6409% | 4,192 |
| Net charge-offs to loans | 0.0144% | 1,415 |
| Credit loss provision to net charge-offs | 28.5714% | 1,357 |
| Earnings coverage of net charge-offs (x) | 30.7143% | 1,296 |
| Efficiency ratio | 89.3459% | 377 |
| Assets per employee ($millions) | 4.8262% | 3,777 |
| Cash dividends to net income (ytd only)* | 154.4601% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2242% | 4,557 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.4500% | 1,139 |
| Net loans and leases to deposits | 83.7822% | 1,514 |
| Net loans and leases to core deposits | 98.4055% | 1,155 |
| Total domestic deposits to total assets | 88.8600% | 1,595 |
| Equity capital to assets | 10.9575% | 1,362 |
| Core capital (leverage) ratio | 13.0720% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $257,898,500 | 2,681 |
| Average earning assets | $245,168,500 | 2,641 |
| Average equity | $28,276,500 | 2,372 |
| Average total loans | $194,513,000 | 2,345 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 1,899 |
| Cost of funding earning assets | 0.6073% | 871 |
| Net interest margin | 3.3269% | 2,489 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.6266% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7578% | 3,463 |
| Return on assets (ROA) | 0.7562% | 3,404 |
| Pretax return on assets | 0.7562% | 3,729 |
| Return on Equity (ROE) | 6.1800% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.7940% | 3,463 |
| Net charge-offs to loans | 0.0213% | 1,650 |
| Credit loss provision to net charge-offs | 13.1579% | 1,950 |
| Earnings coverage of net charge-offs (x) | 50.1053% | 1,362 |
| Efficiency ratio | 77.5630% | 882 |
| Assets per employee ($millions) | 5.2078% | 3,508 |
| Cash dividends to net income (ytd only)* | 38.5752% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2267% | 4,575 |
| Loan loss allowance to noncurrent loans | 11,025.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,937 |
| Noncurrent loans to loans | 0.0021% | 3,875 |
| Net loans and leases to total assets | 76.0700% | 1,002 |
| Net loans and leases to deposits | 85.6031% | 1,346 |
| Net loans and leases to core deposits | 98.5846% | 1,077 |
| Total domestic deposits to total assets | 88.8600% | 1,759 |
| Equity capital to assets | 10.9710% | 1,267 |
| Core capital (leverage) ratio | 13.5319% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $250,593,000 | 2,727 |
| Average earning assets | $237,757,400 | 2,688 |
| Average equity | $30,680,200 | 2,306 |
| Average total loans | $178,509,600 | 2,389 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 1,768 |
| Cost of funding earning assets | 0.4750% | 861 |
| Net interest margin | 3.3249% | 2,214 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.6437% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7462% | 3,430 |
| Return on assets (ROA) | 0.7440% | 3,387 |
| Pretax return on assets | 0.7440% | 3,709 |
| Return on Equity (ROE) | 5.9200% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.8111% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.9757% | 915 |
| Assets per employee ($millions) | 5.2518% | 3,457 |
| Cash dividends to net income (ytd only)* | 52.5144% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2564% | 4,608 |
| Loan loss allowance to noncurrent loans | 1,156.0976% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,404 |
| Noncurrent loans to loans | 0.0222% | 3,744 |
| Net loans and leases to total assets | 74.7100% | 1,039 |
| Net loans and leases to deposits | 87.1889% | 1,089 |
| Net loans and leases to core deposits | 93.9628% | 1,097 |
| Total domestic deposits to total assets | 85.6800% | 3,143 |
| Equity capital to assets | 11.3902% | 1,042 |
| Core capital (leverage) ratio | 13.3246% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $249,446,000 | 2,752 |
| Average earning assets | $236,635,500 | 2,708 |
| Average equity | $31,351,250 | 2,308 |
| Average total loans | $174,497,500 | 2,425 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 1,670 |
| Cost of funding earning assets | 0.4151% | 835 |
| Net interest margin | 3.2398% | 2,077 |
| Noninterest income to average assets | 0.2493% | 3,681 |
| Noninterest expense to average assets | 2.6063% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7175% | 3,248 |
| Return on assets (ROA) | 0.7175% | 3,201 |
| Pretax return on assets | 0.7175% | 3,534 |
| Return on Equity (ROE) | 5.5381% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.4598% | 3,287 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4135% | 1,060 |
| Assets per employee ($millions) | 5.1996% | 3,514 |
| Cash dividends to net income (ytd only)* | 37.5278% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2668% | 4,674 |
| Loan loss allowance to noncurrent loans | 1,281.0811% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,526 |
| Noncurrent loans to loans | 0.0208% | 3,811 |
| Net loans and leases to total assets | 69.5504% | 1,341 |
| Net loans and leases to deposits | 85.1525% | 1,046 |
| Net loans and leases to core deposits | 89.1271% | 1,168 |
| Total domestic deposits to total assets | 81.6774% | 4,055 |
| Equity capital to assets | 11.5854% | 1,005 |
| Core capital (leverage) ratio | 13.3160% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,316,000 | 2,774 |
| Average earning assets | $237,546,333 | 2,735 |
| Average equity | $32,430,000 | 2,298 |
| Average total loans | $171,038,333 | 2,452 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 1,577 |
| Cost of funding earning assets | 0.4181% | 780 |
| Net interest margin | 3.1558% | 2,006 |
| Noninterest income to average assets | 0.2177% | 3,854 |
| Noninterest expense to average assets | 2.6491% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5627% | 3,512 |
| Return on assets (ROA) | 0.5627% | 3,489 |
| Pretax return on assets | 0.5627% | 3,725 |
| Return on Equity (ROE) | 4.1196% | 3,843 |
| Retained earnings to average equity (ytd only) | 2.1365% | 3,509 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4799% | 948 |
| Assets per employee ($millions) | 5.2763% | 3,511 |
| Cash dividends to net income (ytd only)* | 48.1375% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2796% | 4,698 |
| Loan loss allowance to noncurrent loans | 469.3069% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,641 |
| Noncurrent loans to loans | 0.0596% | 3,559 |
| Net loans and leases to total assets | 65.3997% | 1,473 |
| Net loans and leases to deposits | 82.4795% | 978 |
| Net loans and leases to core deposits | 86.2101% | 1,118 |
| Total domestic deposits to total assets | 79.2920% | 4,333 |
| Equity capital to assets | 12.5305% | 796 |
| Core capital (leverage) ratio | 13.2601% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,085,000 | 2,796 |
| Average earning assets | $235,376,500 | 2,763 |
| Average equity | $33,886,500 | 2,290 |
| Average total loans | $167,721,000 | 2,477 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 1,554 |
| Cost of funding earning assets | 0.4874% | 980 |
| Net interest margin | 3.4343% | 1,919 |
| Noninterest income to average assets | 0.2346% | 3,974 |
| Noninterest expense to average assets | 2.6582% | 1,735 |
| Loan and lease loss provision to assets | -0.0280% | 4,263 |
| Net operating income to assets | 0.8487% | 3,191 |
| Return on assets (ROA) | 0.8658% | 3,205 |
| Pretax return on assets | 0.8658% | 3,581 |
| Return on Equity (ROE) | 5.6184% | 3,858 |
| Retained earnings to average equity (ytd only) | 4.2834% | 3,095 |
| Net charge-offs to loans | -0.0153% | 3,885 |
| Credit loss provision to net charge-offs | 278.2609% | 1,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4092% | 1,070 |
| Assets per employee ($millions) | 4.7526% | 3,927 |
| Cash dividends to net income (ytd only)* | 23.7614% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2857% | 4,737 |
| Loan loss allowance to noncurrent loans | 504.2553% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,729 |
| Noncurrent loans to loans | 0.0567% | 3,669 |
| Net loans and leases to total assets | 69.6080% | 1,085 |
| Net loans and leases to deposits | 86.5623% | 745 |
| Net loans and leases to core deposits | 92.5956% | 844 |
| Total domestic deposits to total assets | 80.4138% | 4,176 |
| Equity capital to assets | 14.8873% | 508 |
| Core capital (leverage) ratio | 13.5103% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,461,000 | 2,859 |
| Average earning assets | $215,822,400 | 2,837 |
| Average equity | $35,206,000 | 2,280 |
| Average total loans | $150,786,600 | 2,622 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 1,608 |
| Cost of funding earning assets | 0.4919% | 1,087 |
| Net interest margin | 3.4798% | 1,928 |
| Noninterest income to average assets | 0.2458% | 3,924 |
| Noninterest expense to average assets | 2.6746% | 1,651 |
| Loan and lease loss provision to assets | -0.0376% | 4,415 |
| Net operating income to assets | 0.8955% | 3,261 |
| Return on assets (ROA) | 0.8902% | 3,349 |
| Pretax return on assets | 0.8902% | 3,716 |
| Return on Equity (ROE) | 5.7255% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,595 |
| Net charge-offs to loans | -0.0200% | 3,967 |
| Credit loss provision to net charge-offs | 290.9091% | 1,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7176% | 1,055 |
| Assets per employee ($millions) | 4.8747% | 3,817 |
| Cash dividends to net income (ytd only)* | 31.1258% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2939% | 4,818 |
| Loan loss allowance to noncurrent loans | 1,215.3846% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,102 |
| Noncurrent loans to loans | 0.0242% | 4,025 |
| Net loans and leases to total assets | 67.3295% | 1,393 |
| Net loans and leases to deposits | 88.9148% | 661 |
| Net loans and leases to core deposits | 95.8660% | 752 |
| Total domestic deposits to total assets | 75.7237% | 4,559 |
| Equity capital to assets | 14.8050% | 571 |
| Core capital (leverage) ratio | 13.9233% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,168,250 | 2,897 |
| Average earning assets | $213,605,750 | 2,880 |
| Average equity | $35,163,250 | 2,313 |
| Average total loans | $147,012,000 | 2,700 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 1,404 |
| Cost of funding earning assets | 0.5154% | 1,118 |
| Net interest margin | 3.5545% | 1,696 |
| Noninterest income to average assets | 0.2676% | 3,798 |
| Noninterest expense to average assets | 2.6359% | 1,760 |
| Loan and lease loss provision to assets | -0.0577% | 4,543 |
| Net operating income to assets | 1.0453% | 2,737 |
| Return on assets (ROA) | 1.0453% | 2,817 |
| Pretax return on assets | 1.0453% | 3,343 |
| Return on Equity (ROE) | 6.6103% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.9121% | 3,214 |
| Net charge-offs to loans | -0.0323% | 4,186 |
| Credit loss provision to net charge-offs | 278.2609% | 923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7431% | 1,357 |
| Assets per employee ($millions) | 4.8558% | 3,781 |
| Cash dividends to net income (ytd only)* | 25.6897% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3151% | 4,840 |
| Loan loss allowance to noncurrent loans | 1,128.5714% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,844 |
| Noncurrent loans to loans | 0.0279% | 4,071 |
| Net loans and leases to total assets | 64.3361% | 1,908 |
| Net loans and leases to deposits | 85.0615% | 981 |
| Net loans and leases to core deposits | 92.0494% | 1,002 |
| Total domestic deposits to total assets | 75.6349% | 4,581 |
| Equity capital to assets | 15.2674% | 486 |
| Core capital (leverage) ratio | 14.1674% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,938,333 | 2,925 |
| Average earning assets | $209,536,000 | 2,908 |
| Average equity | $35,096,667 | 2,308 |
| Average total loans | $142,250,667 | 2,759 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 1,133 |
| Cost of funding earning assets | 0.5266% | 1,225 |
| Net interest margin | 3.7136% | 1,302 |
| Noninterest income to average assets | 0.2329% | 3,990 |
| Noninterest expense to average assets | 2.6196% | 1,832 |
| Loan and lease loss provision to assets | -0.1183% | 4,742 |
| Net operating income to assets | 1.2386% | 2,013 |
| Return on assets (ROA) | 1.2386% | 2,099 |
| Pretax return on assets | 1.2386% | 2,736 |
| Return on Equity (ROE) | 7.6895% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.7943% | 2,641 |
| Net charge-offs to loans | -0.0637% | 4,489 |
| Credit loss provision to net charge-offs | 290.9091% | 771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0445% | 1,694 |
| Assets per employee ($millions) | 4.7652% | 3,874 |
| Cash dividends to net income (ytd only)* | 11.6418% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 4,860 |
| Loan loss allowance to noncurrent loans | 1,153.6585% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,835 |
| Noncurrent loans to loans | 0.0289% | 4,144 |
| Net loans and leases to total assets | 63.2358% | 2,144 |
| Net loans and leases to deposits | 79.4121% | 1,581 |
| Net loans and leases to core deposits | 84.8807% | 1,596 |
| Total domestic deposits to total assets | 79.6299% | 4,245 |
| Equity capital to assets | 15.3345% | 462 |
| Core capital (leverage) ratio | 14.7127% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,368,000 | 2,955 |
| Average earning assets | $204,329,000 | 2,936 |
| Average equity | $34,852,500 | 2,308 |
| Average total loans | $138,162,000 | 2,809 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 2,086 |
| Cost of funding earning assets | 0.7847% | 1,275 |
| Net interest margin | 3.4324% | 2,666 |
| Noninterest income to average assets | 0.2491% | 3,996 |
| Noninterest expense to average assets | 2.6656% | 2,342 |
| Loan and lease loss provision to assets | 0.0992% | 3,097 |
| Net operating income to assets | 0.7205% | 3,362 |
| Return on assets (ROA) | 0.7205% | 3,496 |
| Pretax return on assets | 0.7205% | 3,843 |
| Return on Equity (ROE) | 4.2307% | 4,105 |
| Retained earnings to average equity (ytd only) | 2.5058% | 3,600 |
| Net charge-offs to loans | 0.0023% | 3,321 |
| Credit loss provision to net charge-offs | 6,666.6667% | 164 |
| Earnings coverage of net charge-offs (x) | 550.6667% | 214 |
| Efficiency ratio | 76.4806% | 1,171 |
| Assets per employee ($millions) | 4.5385% | 3,882 |
| Cash dividends to net income (ytd only)* | 40.7713% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3837% | 4,865 |
| Loan loss allowance to noncurrent loans | 215.4812% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 3,398 |
| Noncurrent loans to loans | 0.1781% | 3,575 |
| Net loans and leases to total assets | 64.0463% | 2,357 |
| Net loans and leases to deposits | 82.4541% | 1,609 |
| Net loans and leases to core deposits | 88.3560% | 1,655 |
| Total domestic deposits to total assets | 77.6751% | 4,351 |
| Equity capital to assets | 16.9377% | 344 |
| Core capital (leverage) ratio | 15.0923% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,533,400 | 2,927 |
| Average earning assets | $190,012,800 | 2,908 |
| Average equity | $34,320,200 | 2,266 |
| Average total loans | $131,746,600 | 2,845 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,051 |
| Cost of funding earning assets | 0.8376% | 1,322 |
| Net interest margin | 3.4777% | 2,667 |
| Noninterest income to average assets | 0.2584% | 3,934 |
| Noninterest expense to average assets | 2.6716% | 2,340 |
| Loan and lease loss provision to assets | 0.1337% | 2,682 |
| Net operating income to assets | 0.7323% | 3,347 |
| Return on assets (ROA) | 0.7323% | 3,444 |
| Pretax return on assets | 0.7323% | 3,821 |
| Return on Equity (ROE) | 4.2943% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.9769% | 3,943 |
| Net charge-offs to loans | 0.0041% | 3,016 |
| Credit loss provision to net charge-offs | 5,000.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 324.2500% | 334 |
| Efficiency ratio | 75.5237% | 1,247 |
| Assets per employee ($millions) | 4.5014% | 3,847 |
| Cash dividends to net income (ytd only)* | 53.9654% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3808% | 4,892 |
| Loan loss allowance to noncurrent loans | 243.6019% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 3,603 |
| Noncurrent loans to loans | 0.1563% | 3,763 |
| Net loans and leases to total assets | 63.5582% | 2,818 |
| Net loans and leases to deposits | 81.3773% | 2,160 |
| Net loans and leases to core deposits | 87.7212% | 2,174 |
| Total domestic deposits to total assets | 78.1032% | 4,182 |
| Equity capital to assets | 16.5264% | 410 |
| Core capital (leverage) ratio | 15.0825% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,724,000 | 2,923 |
| Average earning assets | $188,321,250 | 2,906 |
| Average equity | $34,060,000 | 2,275 |
| Average total loans | $131,127,000 | 2,858 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,903 |
| Cost of funding earning assets | 0.8740% | 1,484 |
| Net interest margin | 3.6291% | 2,382 |
| Noninterest income to average assets | 0.2779% | 3,811 |
| Noninterest expense to average assets | 2.7174% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9838% | 2,387 |
| Return on assets (ROA) | 0.9838% | 2,518 |
| Pretax return on assets | 0.9838% | 3,075 |
| Return on Equity (ROE) | 5.7052% | 3,601 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,644 |
| Net charge-offs to loans | 0.0062% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 240.7500% | 382 |
| Efficiency ratio | 73.4198% | 1,517 |
| Assets per employee ($millions) | 4.6593% | 3,586 |
| Cash dividends to net income (ytd only)* | 18.5877% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2323% | 4,986 |
| Loan loss allowance to noncurrent loans | 148.8152% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 3,681 |
| Noncurrent loans to loans | 0.1561% | 3,830 |
| Net loans and leases to total assets | 65.7826% | 2,657 |
| Net loans and leases to deposits | 85.0020% | 1,885 |
| Net loans and leases to core deposits | 91.9334% | 1,913 |
| Total domestic deposits to total assets | 77.3896% | 4,265 |
| Equity capital to assets | 17.1570% | 365 |
| Core capital (leverage) ratio | 15.8365% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,777,000 | 2,940 |
| Average earning assets | $184,673,667 | 2,917 |
| Average equity | $33,758,667 | 2,271 |
| Average total loans | $129,842,333 | 2,866 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,777 |
| Cost of funding earning assets | 0.9322% | 1,728 |
| Net interest margin | 3.4179% | 3,239 |
| Noninterest income to average assets | 0.2281% | 4,184 |
| Noninterest expense to average assets | 2.7537% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6968% | 3,283 |
| Return on assets (ROA) | 0.6968% | 3,352 |
| Pretax return on assets | 0.6968% | 3,692 |
| Return on Equity (ROE) | 4.0301% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.5339% | 2,877 |
| Net charge-offs to loans | 0.0126% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 656 |
| Efficiency ratio | 79.8059% | 1,159 |
| Assets per employee ($millions) | 4.5796% | 3,156 |
| Cash dividends to net income (ytd only)* | 12.3123% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2465% | 5,020 |
| Loan loss allowance to noncurrent loans | 109.4406% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 3,365 |
| Noncurrent loans to loans | 0.2252% | 3,677 |
| Net loans and leases to total assets | 65.8565% | 2,834 |
| Net loans and leases to deposits | 85.8210% | 2,026 |
| Net loans and leases to core deposits | 93.5442% | 2,013 |
| Total domestic deposits to total assets | 76.7370% | 4,387 |
| Equity capital to assets | 17.3460% | 404 |
| Core capital (leverage) ratio | 16.0647% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,162,000 | 2,943 |
| Average earning assets | $180,227,500 | 2,915 |
| Average equity | $33,051,500 | 2,301 |
| Average total loans | $127,177,000 | 2,865 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 3,141 |
| Cost of funding earning assets | 1.0676% | 1,440 |
| Net interest margin | 3.3715% | 3,820 |
| Noninterest income to average assets | 0.2391% | 4,245 |
| Noninterest expense to average assets | 2.6753% | 2,955 |
| Loan and lease loss provision to assets | 0.0010% | 3,962 |
| Net operating income to assets | 0.7506% | 3,698 |
| Return on assets (ROA) | 0.7506% | 3,780 |
| Pretax return on assets | 0.7506% | 4,080 |
| Return on Equity (ROE) | 4.5092% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.6974% | 3,691 |
| Net charge-offs to loans | 0.0172% | 3,097 |
| Credit loss provision to net charge-offs | 9.0909% | 3,361 |
| Earnings coverage of net charge-offs (x) | 65.5909% | 925 |
| Efficiency ratio | 78.0666% | 1,144 |
| Assets per employee ($millions) | 4.3177% | 3,480 |
| Cash dividends to net income (ytd only)* | 40.1804% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2497% | 5,071 |
| Loan loss allowance to noncurrent loans | 90.0850% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,169 |
| Noncurrent loans to loans | 0.2771% | 3,450 |
| Net loans and leases to total assets | 66.8765% | 2,852 |
| Net loans and leases to deposits | 87.0303% | 1,965 |
| Net loans and leases to core deposits | 96.4034% | 1,866 |
| Total domestic deposits to total assets | 76.8428% | 4,507 |
| Equity capital to assets | 17.2329% | 440 |
| Core capital (leverage) ratio | 15.9485% | 529 |
| Tier 1 risk-based capital ratio | 23.7966% | 849 |
| Total risk-based capital ratio | 24.0417% | 916 |
| Memoranda: | ||
| Average total assets | $191,979,000 | 2,906 |
| Average earning assets | $181,520,400 | 2,873 |
| Average equity | $31,957,200 | 2,300 |
| Average total loans | $127,771,400 | 2,846 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 3,229 |
| Cost of funding earning assets | 1.0735% | 1,457 |
| Net interest margin | 3.3698% | 3,941 |
| Noninterest income to average assets | 0.2480% | 4,254 |
| Noninterest expense to average assets | 2.6773% | 2,923 |
| Loan and lease loss provision to assets | 0.0014% | 3,824 |
| Net operating income to assets | 0.7571% | 3,829 |
| Return on assets (ROA) | 0.7571% | 3,895 |
| Pretax return on assets | 0.7571% | 4,221 |
| Return on Equity (ROE) | 4.5882% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.1577% | 4,217 |
| Net charge-offs to loans | 0.0229% | 2,642 |
| Credit loss provision to net charge-offs | 9.0909% | 3,007 |
| Earnings coverage of net charge-offs (x) | 49.7770% | 1,199 |
| Efficiency ratio | 77.9234% | 1,112 |
| Assets per employee ($millions) | 4.3450% | 3,425 |
| Cash dividends to net income (ytd only)* | 52.9733% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2474% | 5,147 |
| Loan loss allowance to noncurrent loans | 92.1512% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 3,344 |
| Noncurrent loans to loans | 0.2684% | 3,580 |
| Net loans and leases to total assets | 65.3828% | 3,130 |
| Net loans and leases to deposits | 86.8178% | 2,089 |
| Net loans and leases to core deposits | 95.8810% | 2,011 |
| Total domestic deposits to total assets | 75.3103% | 4,714 |
| Equity capital to assets | 16.8089% | 504 |
| Core capital (leverage) ratio | 15.5581% | 633 |
| Tier 1 risk-based capital ratio | 24.0021% | 840 |
| Total risk-based capital ratio | 24.2529% | 927 |
| Memoranda: | ||
| Average total assets | $192,478,750 | 2,925 |
| Average earning assets | $182,083,000 | 2,883 |
| Average equity | $31,761,750 | 2,326 |
| Average total loans | $127,871,750 | 2,880 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 3,211 |
| Cost of funding earning assets | 1.0536% | 1,483 |
| Net interest margin | 3.3879% | 3,929 |
| Noninterest income to average assets | 0.2476% | 4,267 |
| Noninterest expense to average assets | 2.7044% | 2,889 |
| Loan and lease loss provision to assets | 0.0021% | 3,664 |
| Net operating income to assets | 0.7521% | 3,820 |
| Return on assets (ROA) | 0.7521% | 3,884 |
| Pretax return on assets | 0.7521% | 4,215 |
| Return on Equity (ROE) | 4.5869% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.1216% | 3,660 |
| Net charge-offs to loans | 0.0360% | 2,153 |
| Credit loss provision to net charge-offs | 8.6957% | 2,696 |
| Earnings coverage of net charge-offs (x) | 31.3913% | 1,429 |
| Efficiency ratio | 78.1939% | 1,123 |
| Assets per employee ($millions) | 4.6270% | 2,968 |
| Cash dividends to net income (ytd only)* | 31.9444% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2466% | 5,203 |
| Loan loss allowance to noncurrent loans | 118.7970% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 3,510 |
| Noncurrent loans to loans | 0.2076% | 3,801 |
| Net loans and leases to total assets | 65.7792% | 3,137 |
| Net loans and leases to deposits | 87.2240% | 2,098 |
| Net loans and leases to core deposits | 95.6104% | 2,110 |
| Total domestic deposits to total assets | 75.4141% | 4,736 |
| Equity capital to assets | 16.7088% | 505 |
| Core capital (leverage) ratio | 15.6261% | 601 |
| Tier 1 risk-based capital ratio | 24.0270% | 843 |
| Total risk-based capital ratio | 24.2775% | 917 |
| Memoranda: | ||
| Average total assets | $191,462,670 | 2,946 |
| Average earning assets | $181,470,670 | 2,904 |
| Average equity | $31,393,670 | 2,341 |
| Average total loans | $127,776,330 | 2,900 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 3,193 |
| Cost of funding earning assets | 1.0307% | 1,448 |
| Net interest margin | 3.3779% | 3,946 |
| Noninterest income to average assets | 0.2105% | 4,485 |
| Noninterest expense to average assets | 2.7323% | 2,802 |
| Loan and lease loss provision to assets | 0.0021% | 3,389 |
| Net operating income to assets | 0.6841% | 3,992 |
| Return on assets (ROA) | 0.6841% | 4,029 |
| Pretax return on assets | 0.6841% | 4,335 |
| Return on Equity (ROE) | 4.2133% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.7466% | 3,424 |
| Net charge-offs to loans | 0.0690% | 1,366 |
| Credit loss provision to net charge-offs | 4.5455% | 2,202 |
| Earnings coverage of net charge-offs (x) | 14.8182% | 1,775 |
| Efficiency ratio | 79.9261% | 1,074 |
| Assets per employee ($millions) | 4.6570% | 2,972 |
| Cash dividends to net income (ytd only)* | 11.0769% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2471% | 5,269 |
| Loan loss allowance to noncurrent loans | 76.1446% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 2,991 |
| Noncurrent loans to loans | 0.3246% | 3,401 |
| Net loans and leases to total assets | 66.8006% | 2,932 |
| Net loans and leases to deposits | 87.8671% | 1,892 |
| Net loans and leases to core deposits | 95.7093% | 1,954 |
| Total domestic deposits to total assets | 76.0246% | 4,757 |
| Equity capital to assets | 16.4594% | 506 |
| Core capital (leverage) ratio | 15.8421% | 553 |
| Tier 1 risk-based capital ratio | 24.1325% | 833 |
| Total risk-based capital ratio | 24.3857% | 897 |
| Memoranda: | ||
| Average total assets | $190,026,500 | 2,995 |
| Average earning assets | $180,466,000 | 2,944 |
| Average equity | $30,855,000 | 2,365 |
| Average total loans | $127,590,500 | 2,931 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 3,042 |
| Cost of funding earning assets | 0.8516% | 1,297 |
| Net interest margin | 3.4687% | 3,808 |
| Noninterest income to average assets | 0.2410% | 4,475 |
| Noninterest expense to average assets | 2.6863% | 3,074 |
| Loan and lease loss provision to assets | 0.0011% | 4,070 |
| Net operating income to assets | 0.8416% | 3,640 |
| Return on assets (ROA) | 0.8416% | 3,640 |
| Pretax return on assets | 0.8416% | 4,068 |
| Return on Equity (ROE) | 5.2730% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.0502% | 3,871 |
| Net charge-offs to loans | 0.0227% | 2,961 |
| Credit loss provision to net charge-offs | 7.1429% | 3,438 |
| Earnings coverage of net charge-offs (x) | 56.0714% | 1,069 |
| Efficiency ratio | 76.1217% | 1,346 |
| Assets per employee ($millions) | 4.6126% | 3,002 |
| Cash dividends to net income (ytd only)* | 42.1556% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2647% | 5,301 |
| Loan loss allowance to noncurrent loans | 107.3248% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 3,166 |
| Noncurrent loans to loans | 0.2466% | 3,704 |
| Net loans and leases to total assets | 67.1445% | 2,981 |
| Net loans and leases to deposits | 89.9745% | 1,803 |
| Net loans and leases to core deposits | 97.8546% | 1,876 |
| Total domestic deposits to total assets | 74.6262% | 4,905 |
| Equity capital to assets | 16.0129% | 531 |
| Core capital (leverage) ratio | 15.8203% | 546 |
| Tier 1 risk-based capital ratio | 23.8313% | 838 |
| Total risk-based capital ratio | 24.1006% | 902 |
| Memoranda: | ||
| Average total assets | $186,318,200 | 2,996 |
| Average earning assets | $176,609,200 | 2,960 |
| Average equity | $29,736,200 | 2,349 |
| Average total loans | $123,502,600 | 2,957 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 3,007 |
| Cost of funding earning assets | 0.8147% | 1,265 |
| Net interest margin | 3.4735% | 3,791 |
| Noninterest income to average assets | 0.2291% | 4,596 |
| Noninterest expense to average assets | 2.6850% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8361% | 3,793 |
| Return on assets (ROA) | 0.8361% | 3,801 |
| Pretax return on assets | 0.8361% | 4,205 |
| Return on Equity (ROE) | 5.2432% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.2657% | 4,480 |
| Net charge-offs to loans | 0.0283% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 44.7638% | 1,260 |
| Efficiency ratio | 76.2546% | 1,325 |
| Assets per employee ($millions) | 4.2484% | 3,507 |
| Cash dividends to net income (ytd only)* | 56.7869% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2680% | 5,371 |
| Loan loss allowance to noncurrent loans | 82.8431% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,293 |
| Noncurrent loans to loans | 0.3236% | 3,513 |
| Net loans and leases to total assets | 67.2783% | 3,041 |
| Net loans and leases to deposits | 87.4307% | 2,221 |
| Net loans and leases to core deposits | 95.3718% | 2,176 |
| Total domestic deposits to total assets | 76.9505% | 4,653 |
| Equity capital to assets | 15.5937% | 602 |
| Core capital (leverage) ratio | 15.8053% | 549 |
| Tier 1 risk-based capital ratio | 23.6841% | 871 |
| Total risk-based capital ratio | 23.9562% | 945 |
| Memoranda: | ||
| Average total assets | $185,618,750 | 3,022 |
| Average earning assets | $175,920,250 | 2,987 |
| Average equity | $29,599,500 | 2,363 |
| Average total loans | $122,548,750 | 2,994 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,911 |
| Cost of funding earning assets | 0.7846% | 1,204 |
| Net interest margin | 3.4747% | 3,717 |
| Noninterest income to average assets | 0.2214% | 4,698 |
| Noninterest expense to average assets | 2.6601% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8521% | 3,667 |
| Return on assets (ROA) | 0.8521% | 3,665 |
| Pretax return on assets | 0.8521% | 4,105 |
| Return on Equity (ROE) | 5.3043% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.1597% | 3,985 |
| Net charge-offs to loans | 0.0115% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 112.7143% | 638 |
| Efficiency ratio | 75.7380% | 1,460 |
| Assets per employee ($millions) | 4.3315% | 3,387 |
| Cash dividends to net income (ytd only)* | 40.4309% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2879% | 5,421 |
| Loan loss allowance to noncurrent loans | 111.2500% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,563 |
| Noncurrent loans to loans | 0.2588% | 3,777 |
| Net loans and leases to total assets | 66.1901% | 3,120 |
| Net loans and leases to deposits | 83.0818% | 2,641 |
| Net loans and leases to core deposits | 91.6581% | 2,428 |
| Total domestic deposits to total assets | 79.6685% | 4,316 |
| Equity capital to assets | 15.9069% | 514 |
| Core capital (leverage) ratio | 15.8750% | 520 |
| Tier 1 risk-based capital ratio | 24.6723% | 766 |
| Total risk-based capital ratio | 24.9712% | 832 |
| Memoranda: | ||
| Average total assets | $185,182,330 | 3,047 |
| Average earning assets | $175,383,000 | 3,006 |
| Average equity | $29,749,670 | 2,368 |
| Average total loans | $121,365,000 | 3,018 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 2,799 |
| Cost of funding earning assets | 0.7619% | 1,133 |
| Net interest margin | 3.4640% | 3,661 |
| Noninterest income to average assets | 0.2383% | 4,572 |
| Noninterest expense to average assets | 2.6212% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8968% | 3,306 |
| Return on assets (ROA) | 0.8968% | 3,315 |
| Pretax return on assets | 0.8968% | 3,863 |
| Return on Equity (ROE) | 5.5550% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.5550% | 2,926 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5074% | 1,820 |
| Assets per employee ($millions) | 4.4356% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2998% | 5,485 |
| Loan loss allowance to noncurrent loans | 98.1081% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,332 |
| Noncurrent loans to loans | 0.3056% | 3,675 |
| Net loans and leases to total assets | 64.8042% | 3,202 |
| Net loans and leases to deposits | 80.3379% | 2,772 |
| Net loans and leases to core deposits | 88.4777% | 2,592 |
| Total domestic deposits to total assets | 80.6645% | 4,282 |
| Equity capital to assets | 15.9414% | 494 |
| Core capital (leverage) ratio | 15.8614% | 508 |
| Tier 1 risk-based capital ratio | 25.3704% | 728 |
| Total risk-based capital ratio | 25.6844% | 779 |
| Memoranda: | ||
| Average total assets | $184,647,000 | 3,085 |
| Average earning assets | $174,827,000 | 3,044 |
| Average equity | $29,811,000 | 2,382 |
| Average total loans | $120,229,000 | 3,065 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,508 |
| Cost of funding earning assets | 0.6950% | 1,055 |
| Net interest margin | 3.5522% | 3,333 |
| Noninterest income to average assets | 0.2470% | 4,654 |
| Noninterest expense to average assets | 2.7408% | 2,994 |
| Loan and lease loss provision to assets | 0.0011% | 4,216 |
| Net operating income to assets | 0.8568% | 2,923 |
| Return on assets (ROA) | 0.8613% | 2,932 |
| Pretax return on assets | 0.8613% | 4,046 |
| Return on Equity (ROE) | 5.2573% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.0525% | 3,481 |
| Net charge-offs to loans | 0.0645% | 2,549 |
| Credit loss provision to net charge-offs | 2.7397% | 3,699 |
| Earnings coverage of net charge-offs (x) | 20.9863% | 1,934 |
| Efficiency ratio | 76.1594% | 1,595 |
| Assets per employee ($millions) | 4.3571% | 3,395 |
| Cash dividends to net income (ytd only)* | 41.9376% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3041% | 5,549 |
| Loan loss allowance to noncurrent loans | 104.9133% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 3,396 |
| Noncurrent loans to loans | 0.2899% | 3,742 |
| Net loans and leases to total assets | 65.0304% | 3,221 |
| Net loans and leases to deposits | 80.2862% | 2,880 |
| Net loans and leases to core deposits | 87.9844% | 2,724 |
| Total domestic deposits to total assets | 80.9983% | 4,122 |
| Equity capital to assets | 16.3520% | 473 |
| Core capital (leverage) ratio | 15.7992% | 494 |
| Tier 1 risk-based capital ratio | 25.6707% | 682 |
| Total risk-based capital ratio | 25.9930% | 730 |
| Memoranda: | ||
| Average total assets | $178,563,600 | 3,136 |
| Average earning assets | $168,489,000 | 3,097 |
| Average equity | $29,254,800 | 2,409 |
| Average total loans | $113,203,200 | 3,137 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,500 |
| Cost of funding earning assets | 0.6917% | 1,002 |
| Net interest margin | 3.5431% | 3,342 |
| Noninterest income to average assets | 0.2442% | 4,740 |
| Noninterest expense to average assets | 2.6395% | 3,287 |
| Loan and lease loss provision to assets | 0.0015% | 4,072 |
| Net operating income to assets | 0.9437% | 2,813 |
| Return on assets (ROA) | 0.9437% | 2,875 |
| Pretax return on assets | 0.9437% | 3,888 |
| Return on Equity (ROE) | 5.7572% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.8007% | 4,240 |
| Net charge-offs to loans | 0.0322% | 2,789 |
| Credit loss provision to net charge-offs | 7.4074% | 3,239 |
| Earnings coverage of net charge-offs (x) | 46.5914% | 1,169 |
| Efficiency ratio | 73.6324% | 1,949 |
| Assets per employee ($millions) | 4.5351% | 3,084 |
| Cash dividends to net income (ytd only)* | 51.3537% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3514% | 5,597 |
| Loan loss allowance to noncurrent loans | 88.9130% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 3,510 |
| Noncurrent loans to loans | 0.3953% | 3,540 |
| Net loans and leases to total assets | 63.9289% | 3,412 |
| Net loans and leases to deposits | 79.4145% | 3,026 |
| Net loans and leases to core deposits | 84.1575% | 3,117 |
| Total domestic deposits to total assets | 80.5003% | 4,210 |
| Equity capital to assets | 16.3829% | 494 |
| Core capital (leverage) ratio | 15.8236% | 517 |
| Tier 1 risk-based capital ratio | 25.7489% | 696 |
| Total risk-based capital ratio | 26.1167% | 753 |
| Memoranda: | ||
| Average total assets | $177,454,750 | 3,175 |
| Average earning assets | $167,307,500 | 3,137 |
| Average equity | $29,087,500 | 2,442 |
| Average total loans | $111,662,000 | 3,185 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 2,357 |
| Cost of funding earning assets | 0.6855% | 958 |
| Net interest margin | 3.5445% | 3,240 |
| Noninterest income to average assets | 0.2623% | 4,658 |
| Noninterest expense to average assets | 2.6400% | 3,311 |
| Loan and lease loss provision to assets | 0.0034% | 3,835 |
| Net operating income to assets | 0.9595% | 2,611 |
| Return on assets (ROA) | 0.9595% | 2,671 |
| Pretax return on assets | 0.9595% | 3,727 |
| Return on Equity (ROE) | 5.8524% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.1279% | 3,249 |
| Net charge-offs to loans | 0.0509% | 2,202 |
| Credit loss provision to net charge-offs | 10.7143% | 2,846 |
| Earnings coverage of net charge-offs (x) | 30.2857% | 1,456 |
| Efficiency ratio | 73.2745% | 2,135 |
| Assets per employee ($millions) | 4.3670% | 3,317 |
| Cash dividends to net income (ytd only)* | 29.4675% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3587% | 5,632 |
| Loan loss allowance to noncurrent loans | 100.4914% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,666 |
| Noncurrent loans to loans | 0.3570% | 3,749 |
| Net loans and leases to total assets | 63.4495% | 3,459 |
| Net loans and leases to deposits | 79.4541% | 2,973 |
| Net loans and leases to core deposits | 83.8593% | 3,085 |
| Total domestic deposits to total assets | 79.8568% | 4,444 |
| Equity capital to assets | 16.5676% | 459 |
| Core capital (leverage) ratio | 16.1268% | 461 |
| Tier 1 risk-based capital ratio | 26.1707% | 659 |
| Total risk-based capital ratio | 26.5449% | 708 |
| Memoranda: | ||
| Average total assets | $176,138,670 | 3,206 |
| Average earning assets | $166,005,330 | 3,166 |
| Average equity | $28,877,000 | 2,444 |
| Average total loans | $110,090,000 | 3,219 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 1,948 |
| Cost of funding earning assets | 0.6935% | 866 |
| Net interest margin | 3.6089% | 2,861 |
| Noninterest income to average assets | 0.1649% | 5,286 |
| Noninterest expense to average assets | 2.7318% | 3,026 |
| Loan and lease loss provision to assets | 0.0046% | 3,500 |
| Net operating income to assets | 0.8243% | 3,102 |
| Return on assets (ROA) | 0.8243% | 3,159 |
| Pretax return on assets | 0.8243% | 4,016 |
| Return on Equity (ROE) | 5.0556% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.3534% | 3,244 |
| Net charge-offs to loans | 0.0999% | 1,374 |
| Credit loss provision to net charge-offs | 7.4074% | 2,242 |
| Earnings coverage of net charge-offs (x) | 13.4074% | 1,785 |
| Efficiency ratio | 76.7203% | 1,802 |
| Assets per employee ($millions) | 4.1759% | 3,705 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3730% | 5,706 |
| Loan loss allowance to noncurrent loans | 112.9834% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 3,819 |
| Noncurrent loans to loans | 0.3302% | 3,928 |
| Net loans and leases to total assets | 62.2808% | 3,495 |
| Net loans and leases to deposits | 76.2412% | 3,170 |
| Net loans and leases to core deposits | 80.4657% | 3,245 |
| Total domestic deposits to total assets | 81.6892% | 4,251 |
| Equity capital to assets | 16.4378% | 437 |
| Core capital (leverage) ratio | 16.2564% | 429 |
| Tier 1 risk-based capital ratio | 26.1601% | 677 |
| Total risk-based capital ratio | 26.5379% | 732 |
| Memoranda: | ||
| Average total assets | $174,684,000 | 3,258 |
| Average earning assets | $164,373,500 | 3,211 |
| Average equity | $28,483,500 | 2,481 |
| Average total loans | $108,128,000 | 3,274 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,358 |
| Cost of funding earning assets | 0.7087% | 785 |
| Net interest margin | 3.5293% | 3,323 |
| Noninterest income to average assets | 0.2231% | 5,077 |
| Noninterest expense to average assets | 2.9223% | 2,599 |
| Loan and lease loss provision to assets | -0.0368% | 5,553 |
| Net operating income to assets | 0.6558% | 3,971 |
| Return on assets (ROA) | 0.6220% | 4,231 |
| Pretax return on assets | 0.6220% | 4,731 |
| Return on Equity (ROE) | 3.6809% | 4,940 |
| Retained earnings to average equity (ytd only) | 1.9977% | 4,409 |
| Net charge-offs to loans | -0.0114% | 4,966 |
| Credit loss provision to net charge-offs | 525.0000% | 635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5198% | 1,142 |
| Assets per employee ($millions) | 4.1424% | 3,719 |
| Cash dividends to net income (ytd only)* | 45.7277% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 5,733 |
| Loan loss allowance to noncurrent loans | 173.6000% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 4,143 |
| Noncurrent loans to loans | 0.2345% | 4,309 |
| Net loans and leases to total assets | 61.0300% | 3,724 |
| Net loans and leases to deposits | 76.0308% | 3,310 |
| Net loans and leases to core deposits | 80.3523% | 3,367 |
| Total domestic deposits to total assets | 80.2701% | 4,515 |
| Equity capital to assets | 16.1725% | 476 |
| Core capital (leverage) ratio | 16.1624% | 440 |
| Tier 1 risk-based capital ratio | 26.5227% | 659 |
| Total risk-based capital ratio | 26.9337% | 702 |
| Memoranda: | ||
| Average total assets | $171,232,800 | 3,270 |
| Average earning assets | $160,995,200 | 3,224 |
| Average equity | $28,933,200 | 2,457 |
| Average total loans | $105,446,600 | 3,282 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 2,348 |
| Cost of funding earning assets | 0.7124% | 766 |
| Net interest margin | 3.5356% | 3,338 |
| Noninterest income to average assets | 0.2017% | 5,260 |
| Noninterest expense to average assets | 2.9207% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6020% | 4,283 |
| Return on assets (ROA) | 0.5566% | 4,579 |
| Pretax return on assets | 0.5566% | 4,983 |
| Return on Equity (ROE) | 3.2586% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.0801% | 5,063 |
| Net charge-offs to loans | -0.0165% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9117% | 1,082 |
| Assets per employee ($millions) | 4.1404% | 3,711 |
| Cash dividends to net income (ytd only)* | 66.8538% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4708% | 5,750 |
| Loan loss allowance to noncurrent loans | 115.5814% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 4,106 |
| Noncurrent loans to loans | 0.4073% | 3,818 |
| Net loans and leases to total assets | 60.4220% | 3,826 |
| Net loans and leases to deposits | 76.1557% | 3,385 |
| Net loans and leases to core deposits | 80.5983% | 3,390 |
| Total domestic deposits to total assets | 79.3401% | 4,647 |
| Equity capital to assets | 17.6098% | 382 |
| Core capital (leverage) ratio | 15.9522% | 480 |
| Tier 1 risk-based capital ratio | 26.5708% | 675 |
| Total risk-based capital ratio | 27.0482% | 713 |
| Memoranda: | ||
| Average total assets | $170,546,000 | 3,290 |
| Average earning assets | $160,194,000 | 3,250 |
| Average equity | $29,132,250 | 2,446 |
| Average total loans | $105,154,750 | 3,301 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 2,422 |
| Cost of funding earning assets | 0.7147% | 741 |
| Net interest margin | 3.5117% | 3,447 |
| Noninterest income to average assets | 0.2113% | 5,231 |
| Noninterest expense to average assets | 2.9440% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5619% | 4,428 |
| Return on assets (ROA) | 0.4368% | 5,003 |
| Pretax return on assets | 0.4368% | 5,270 |
| Return on Equity (ROE) | 2.5842% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.3620% | 4,839 |
| Net charge-offs to loans | -0.0152% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9731% | 1,053 |
| Assets per employee ($millions) | 4.0184% | 3,869 |
| Cash dividends to net income (ytd only)* | 47.2973% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4631% | 5,836 |
| Loan loss allowance to noncurrent loans | 99.5960% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 4,029 |
| Noncurrent loans to loans | 0.4650% | 3,701 |
| Net loans and leases to total assets | 61.3273% | 3,705 |
| Net loans and leases to deposits | 77.4201% | 3,218 |
| Net loans and leases to core deposits | 81.9666% | 3,272 |
| Total domestic deposits to total assets | 79.2136% | 4,731 |
| Equity capital to assets | 17.1542% | 411 |
| Core capital (leverage) ratio | 15.8907% | 476 |
| Tier 1 risk-based capital ratio | 26.1973% | 714 |
| Total risk-based capital ratio | 26.6639% | 758 |
| Memoranda: | ||
| Average total assets | $169,429,000 | 3,313 |
| Average earning assets | $158,955,330 | 3,283 |
| Average equity | $28,635,330 | 2,489 |
| Average total loans | $105,016,670 | 3,321 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,336 |
| Cost of funding earning assets | 0.7102% | 768 |
| Net interest margin | 3.5281% | 3,363 |
| Noninterest income to average assets | 0.2241% | 5,135 |
| Noninterest expense to average assets | 2.8662% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6748% | 3,849 |
| Return on assets (ROA) | 0.4221% | 5,006 |
| Pretax return on assets | 0.4221% | 5,261 |
| Return on Equity (ROE) | 2.5167% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.0617% | 4,431 |
| Net charge-offs to loans | -0.0153% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9428% | 1,490 |
| Assets per employee ($millions) | 3.9007% | 4,116 |
| Cash dividends to net income (ytd only)* | 18.0791% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4735% | 5,890 |
| Loan loss allowance to noncurrent loans | 92.9524% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 4,055 |
| Noncurrent loans to loans | 0.5094% | 3,654 |
| Net loans and leases to total assets | 59.7680% | 3,809 |
| Net loans and leases to deposits | 74.4506% | 3,385 |
| Net loans and leases to core deposits | 78.6037% | 3,435 |
| Total domestic deposits to total assets | 80.2787% | 4,684 |
| Equity capital to assets | 16.6577% | 454 |
| Core capital (leverage) ratio | 16.0982% | 458 |
| Tier 1 risk-based capital ratio | 26.4987% | 700 |
| Total risk-based capital ratio | 26.9657% | 742 |
| Memoranda: | ||
| Average total assets | $167,748,000 | 3,362 |
| Average earning assets | $157,706,500 | 3,318 |
| Average equity | $28,132,500 | 2,520 |
| Average total loans | $104,294,500 | 3,347 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,243 |
| Cost of funding earning assets | 0.6886% | 873 |
| Net interest margin | 3.6051% | 3,116 |
| Noninterest income to average assets | 0.5708% | 2,894 |
| Noninterest expense to average assets | 2.9198% | 2,793 |
| Loan and lease loss provision to assets | -0.0596% | 5,773 |
| Net operating income to assets | 1.1023% | 1,915 |
| Return on assets (ROA) | 1.1023% | 1,985 |
| Pretax return on assets | 1.1023% | 3,050 |
| Return on Equity (ROE) | 6.7395% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.9212% | 3,978 |
| Net charge-offs to loans | -0.1211% | 5,832 |
| Credit loss provision to net charge-offs | 79.3651% | 2,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5963% | 2,642 |
| Assets per employee ($millions) | 3.6414% | 4,577 |
| Cash dividends to net income (ytd only)* | 56.6558% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4587% | 5,951 |
| Loan loss allowance to noncurrent loans | 144.9102% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 4,442 |
| Noncurrent loans to loans | 0.3165% | 4,328 |
| Net loans and leases to total assets | 64.0995% | 3,262 |
| Net loans and leases to deposits | 80.3593% | 2,783 |
| Net loans and leases to core deposits | 84.7646% | 2,912 |
| Total domestic deposits to total assets | 79.7661% | 4,807 |
| Equity capital to assets | 16.8890% | 421 |
| Core capital (leverage) ratio | 16.0772% | 458 |
| Tier 1 risk-based capital ratio | 26.3515% | 721 |
| Total risk-based capital ratio | 26.8175% | 752 |
| Memoranda: | ||
| Average total assets | $167,646,400 | 3,340 |
| Average earning assets | $157,720,200 | 3,285 |
| Average equity | $27,420,400 | 2,508 |
| Average total loans | $104,030,400 | 3,313 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,329 |
| Cost of funding earning assets | 0.6841% | 912 |
| Net interest margin | 3.5869% | 3,212 |
| Noninterest income to average assets | 0.6999% | 2,226 |
| Noninterest expense to average assets | 2.9032% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1681% | 1,763 |
| Return on assets (ROA) | 1.1681% | 1,834 |
| Pretax return on assets | 1.1681% | 2,938 |
| Return on Equity (ROE) | 7.1985% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.3833% | 4,686 |
| Net charge-offs to loans | -0.1621% | 5,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1927% | 3,015 |
| Assets per employee ($millions) | 3.9209% | 4,035 |
| Cash dividends to net income (ytd only)* | 66.8925% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 5,964 |
| Loan loss allowance to noncurrent loans | 269.1244% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 4,925 |
| Noncurrent loans to loans | 0.2043% | 4,830 |
| Net loans and leases to total assets | 62.6660% | 3,512 |
| Net loans and leases to deposits | 77.8480% | 3,112 |
| Net loans and leases to core deposits | 79.3948% | 3,476 |
| Total domestic deposits to total assets | 80.4979% | 4,605 |
| Equity capital to assets | 16.3769% | 513 |
| Core capital (leverage) ratio | 16.0242% | 488 |
| Tier 1 risk-based capital ratio | 25.8291% | 787 |
| Total risk-based capital ratio | 26.3866% | 832 |
| Memoranda: | ||
| Average total assets | $168,592,000 | 3,356 |
| Average earning assets | $158,462,250 | 3,303 |
| Average equity | $27,356,750 | 2,528 |
| Average total loans | $103,658,000 | 3,351 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 2,343 |
| Cost of funding earning assets | 0.6876% | 900 |
| Net interest margin | 3.5652% | 3,228 |
| Noninterest income to average assets | 0.9751% | 1,234 |
| Noninterest expense to average assets | 3.0239% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3038% | 1,313 |
| Return on assets (ROA) | 1.3038% | 1,370 |
| Pretax return on assets | 1.3038% | 2,350 |
| Return on Equity (ROE) | 8.0595% | 3,017 |
| Retained earnings to average equity (ytd only) | 4.8841% | 2,935 |
| Net charge-offs to loans | -0.0447% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7094% | 3,377 |
| Assets per employee ($millions) | 3.7996% | 4,256 |
| Cash dividends to net income (ytd only)* | 39.3995% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4592% | 6,122 |
| Loan loss allowance to noncurrent loans | 143.1548% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 4,319 |
| Noncurrent loans to loans | 0.3208% | 4,546 |
| Net loans and leases to total assets | 62.3648% | 3,499 |
| Net loans and leases to deposits | 81.0239% | 2,663 |
| Net loans and leases to core deposits | 82.7236% | 3,107 |
| Total domestic deposits to total assets | 76.9709% | 5,459 |
| Equity capital to assets | 16.3335% | 487 |
| Core capital (leverage) ratio | 16.2451% | 440 |
| Tier 1 risk-based capital ratio | 26.4603% | 743 |
| Total risk-based capital ratio | 26.9276% | 786 |
| Memoranda: | ||
| Average total assets | $168,590,330 | 3,377 |
| Average earning assets | $158,532,000 | 3,319 |
| Average equity | $27,272,000 | 2,540 |
| Average total loans | $102,798,330 | 3,382 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,519 |
| Cost of funding earning assets | 0.7108% | 814 |
| Net interest margin | 3.4736% | 3,537 |
| Noninterest income to average assets | 0.4088% | 3,932 |
| Noninterest expense to average assets | 3.0432% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6332% | 4,128 |
| Return on assets (ROA) | 0.6332% | 4,249 |
| Pretax return on assets | 0.6332% | 4,821 |
| Return on Equity (ROE) | 3.9333% | 5,006 |
| Retained earnings to average equity (ytd only) | 0.6898% | 5,173 |
| Net charge-offs to loans | -0.0786% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7121% | 1,536 |
| Assets per employee ($millions) | 3.6020% | 4,721 |
| Cash dividends to net income (ytd only)* | 82.4627% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4657% | 6,195 |
| Loan loss allowance to noncurrent loans | 96.7611% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 4,137 |
| Noncurrent loans to loans | 0.4813% | 4,133 |
| Net loans and leases to total assets | 60.3452% | 3,602 |
| Net loans and leases to deposits | 74.7815% | 3,185 |
| Net loans and leases to core deposits | 75.6279% | 3,630 |
| Total domestic deposits to total assets | 80.6954% | 4,889 |
| Equity capital to assets | 16.2059% | 522 |
| Core capital (leverage) ratio | 16.0045% | 464 |
| Tier 1 risk-based capital ratio | 26.3443% | 764 |
| Total risk-based capital ratio | 26.8175% | 807 |
| Memoranda: | ||
| Average total assets | $169,293,500 | 3,377 |
| Average earning assets | $159,260,000 | 3,333 |
| Average equity | $27,254,500 | 2,556 |
| Average total loans | $101,825,000 | 3,417 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,043 |
| Cost of funding earning assets | 0.7058% | 1,071 |
| Net interest margin | 3.7499% | 2,810 |
| Noninterest income to average assets | 0.5075% | 3,450 |
| Noninterest expense to average assets | 3.1207% | 2,451 |
| Loan and lease loss provision to assets | 0.0019% | 4,573 |
| Net operating income to assets | 0.8876% | 2,939 |
| Return on assets (ROA) | 0.9993% | 2,462 |
| Pretax return on assets | 0.9993% | 3,500 |
| Return on Equity (ROE) | 6.1180% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.8766% | 4,188 |
| Net charge-offs to loans | 0.0489% | 3,845 |
| Credit loss provision to net charge-offs | 6.3830% | 4,144 |
| Earnings coverage of net charge-offs (x) | 30.1702% | 1,329 |
| Efficiency ratio | 77.7100% | 2,248 |
| Assets per employee ($millions) | 3.4549% | 4,972 |
| Cash dividends to net income (ytd only)* | 52.9818% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4534% | 6,293 |
| Loan loss allowance to noncurrent loans | 74.4715% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 4,327 |
| Noncurrent loans to loans | 0.6089% | 3,852 |
| Net loans and leases to total assets | 59.3960% | 3,860 |
| Net loans and leases to deposits | 78.1630% | 2,959 |
| Net loans and leases to core deposits | 79.5380% | 3,343 |
| Total domestic deposits to total assets | 75.9899% | 5,730 |
| Equity capital to assets | 15.9920% | 537 |
| Core capital (leverage) ratio | 16.3657% | 431 |
| Tier 1 risk-based capital ratio | 24.4660% | 898 |
| Total risk-based capital ratio | 24.8879% | 972 |
| Memoranda: | ||
| Average total assets | $159,417,200 | 3,499 |
| Average earning assets | $148,910,200 | 3,461 |
| Average equity | $26,037,800 | 2,564 |
| Average total loans | $96,164,200 | 3,497 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,847 |
| Cost of funding earning assets | 0.7193% | 1,053 |
| Net interest margin | 3.7863% | 2,669 |
| Noninterest income to average assets | 0.5046% | 3,518 |
| Noninterest expense to average assets | 3.1636% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8691% | 3,079 |
| Return on assets (ROA) | 0.9871% | 2,578 |
| Pretax return on assets | 0.9871% | 3,643 |
| Return on Equity (ROE) | 6.0099% | 4,229 |
| Retained earnings to average equity (ytd only) | 1.6447% | 5,227 |
| Net charge-offs to loans | 0.0702% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.4585% | 1,734 |
| Efficiency ratio | 78.3442% | 2,129 |
| Assets per employee ($millions) | 3.2035% | 5,421 |
| Cash dividends to net income (ytd only)* | 72.6339% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4684% | 6,368 |
| Loan loss allowance to noncurrent loans | 70.7355% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 4,306 |
| Noncurrent loans to loans | 0.6622% | 3,958 |
| Net loans and leases to total assets | 59.9644% | 3,788 |
| Net loans and leases to deposits | 74.7368% | 3,337 |
| Net loans and leases to core deposits | 75.8709% | 3,762 |
| Total domestic deposits to total assets | 80.2341% | 5,038 |
| Equity capital to assets | 16.4152% | 503 |
| Core capital (leverage) ratio | 16.3664% | 433 |
| Tier 1 risk-based capital ratio | 25.7743% | 808 |
| Total risk-based capital ratio | 26.2202% | 872 |
| Memoranda: | ||
| Average total assets | $156,948,750 | 3,565 |
| Average earning assets | $146,242,000 | 3,532 |
| Average equity | $25,779,000 | 2,602 |
| Average total loans | $94,952,750 | 3,560 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 1,701 |
| Cost of funding earning assets | 0.7296% | 1,024 |
| Net interest margin | 3.8079% | 2,544 |
| Noninterest income to average assets | 0.5081% | 3,417 |
| Noninterest expense to average assets | 3.2321% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8186% | 3,240 |
| Return on assets (ROA) | 0.9752% | 2,514 |
| Pretax return on assets | 0.9752% | 3,588 |
| Return on Equity (ROE) | 5.9357% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.3196% | 4,722 |
| Net charge-offs to loans | -0.0085% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6959% | 2,061 |
| Assets per employee ($millions) | 3.4651% | 4,913 |
| Cash dividends to net income (ytd only)* | 60.9211% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5258% | 6,390 |
| Loan loss allowance to noncurrent loans | 118.7793% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 4,825 |
| Noncurrent loans to loans | 0.4427% | 4,658 |
| Net loans and leases to total assets | 60.0590% | 3,705 |
| Net loans and leases to deposits | 75.1893% | 3,164 |
| Net loans and leases to core deposits | 76.3393% | 3,595 |
| Total domestic deposits to total assets | 79.8770% | 5,270 |
| Equity capital to assets | 16.7816% | 443 |
| Core capital (leverage) ratio | 16.1830% | 453 |
| Tier 1 risk-based capital ratio | 25.9922% | 776 |
| Total risk-based capital ratio | 26.4960% | 829 |
| Memoranda: | ||
| Average total assets | $155,873,330 | 3,597 |
| Average earning assets | $145,015,670 | 3,582 |
| Average equity | $25,607,670 | 2,607 |
| Average total loans | $94,437,000 | 3,581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,739 |
| Cost of funding earning assets | 0.7290% | 1,079 |
| Net interest margin | 3.7926% | 2,501 |
| Noninterest income to average assets | 0.5087% | 3,339 |
| Noninterest expense to average assets | 3.2158% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8306% | 3,002 |
| Return on assets (ROA) | 1.1472% | 1,708 |
| Pretax return on assets | 1.1472% | 2,711 |
| Return on Equity (ROE) | 7.0615% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.5947% | 3,974 |
| Net charge-offs to loans | -0.0086% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3457% | 2,292 |
| Assets per employee ($millions) | 3.3936% | 5,166 |
| Cash dividends to net income (ytd only)* | 49.0950% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5444% | 6,460 |
| Loan loss allowance to noncurrent loans | 118.0328% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 4,830 |
| Noncurrent loans to loans | 0.4612% | 4,772 |
| Net loans and leases to total assets | 57.7314% | 3,894 |
| Net loans and leases to deposits | 71.6784% | 3,380 |
| Net loans and leases to core deposits | 72.9354% | 3,767 |
| Total domestic deposits to total assets | 80.5422% | 5,374 |
| Equity capital to assets | 16.1261% | 509 |
| Core capital (leverage) ratio | 16.5846% | 406 |
| Tier 1 risk-based capital ratio | 26.4418% | 752 |
| Total risk-based capital ratio | 26.9538% | 794 |
| Memoranda: | ||
| Average total assets | $154,112,500 | 3,644 |
| Average earning assets | $143,752,000 | 3,629 |
| Average equity | $25,037,000 | 2,640 |
| Average total loans | $93,537,000 | 3,620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 1,596 |
| Cost of funding earning assets | 0.7761% | 1,342 |
| Net interest margin | 3.9145% | 2,237 |
| Noninterest income to average assets | 0.3534% | 4,782 |
| Noninterest expense to average assets | 3.3353% | 2,038 |
| Loan and lease loss provision to assets | -0.0474% | 6,375 |
| Net operating income to assets | 0.6831% | 3,886 |
| Return on assets (ROA) | 0.8880% | 2,932 |
| Pretax return on assets | 0.8880% | 3,816 |
| Return on Equity (ROE) | 4.8853% | 4,682 |
| Retained earnings to average equity (ytd only) | -3.0754% | 6,267 |
| Net charge-offs to loans | 0.0033% | 5,413 |
| Credit loss provision to net charge-offs | -2,266.6667% | 6,328 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 149 |
| Efficiency ratio | 83.8687% | 1,640 |
| Assets per employee ($millions) | 3.3050% | 5,281 |
| Cash dividends to net income (ytd only)* | 162.9513% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 6,547 |
| Loan loss allowance to noncurrent loans | 100.4000% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 4,699 |
| Noncurrent loans to loans | 0.5292% | 4,667 |
| Net loans and leases to total assets | 63.1947% | 3,182 |
| Net loans and leases to deposits | 80.8463% | 2,339 |
| Net loans and leases to core deposits | 83.1751% | 2,757 |
| Total domestic deposits to total assets | 78.1666% | 5,805 |
| Equity capital to assets | 16.3744% | 470 |
| Core capital (leverage) ratio | 16.9442% | 375 |
| Tier 1 risk-based capital ratio | 26.4977% | 733 |
| Total risk-based capital ratio | 27.0132% | 776 |
| Memoranda: | ||
| Average total assets | $143,465,600 | 3,822 |
| Average earning assets | $132,582,800 | 3,785 |
| Average equity | $26,078,200 | 2,537 |
| Average total loans | $91,521,000 | 3,655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 1,644 |
| Cost of funding earning assets | 0.7794% | 1,432 |
| Net interest margin | 3.9029% | 2,262 |
| Noninterest income to average assets | 0.2420% | 5,705 |
| Noninterest expense to average assets | 3.3879% | 1,854 |
| Loan and lease loss provision to assets | 0.0066% | 4,845 |
| Net operating income to assets | 0.4455% | 5,042 |
| Return on assets (ROA) | 0.7213% | 3,883 |
| Pretax return on assets | 0.7213% | 4,604 |
| Return on Equity (ROE) | 3.8677% | 5,276 |
| Retained earnings to average equity (ytd only) | 0.9455% | 5,603 |
| Net charge-offs to loans | -0.0220% | 6,068 |
| Credit loss provision to net charge-offs | -46.6667% | 5,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1045% | 1,165 |
| Assets per employee ($millions) | 3.3908% | 5,082 |
| Cash dividends to net income (ytd only)* | 75.5528% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 6,527 |
| Loan loss allowance to noncurrent loans | 140.3302% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 4,499 |
| Noncurrent loans to loans | 0.4480% | 5,079 |
| Net loans and leases to total assets | 66.0347% | 2,631 |
| Net loans and leases to deposits | 84.0975% | 1,864 |
| Net loans and leases to core deposits | 87.1437% | 2,266 |
| Total domestic deposits to total assets | 78.5216% | 5,821 |
| Equity capital to assets | 17.7182% | 351 |
| Core capital (leverage) ratio | 18.3672% | 277 |
| Tier 1 risk-based capital ratio | 27.5502% | 660 |
| Total risk-based capital ratio | 28.1766% | 697 |
| Memoranda: | ||
| Average total assets | $142,150,500 | 3,887 |
| Average earning assets | $131,044,750 | 3,863 |
| Average equity | $26,509,500 | 2,529 |
| Average total loans | $90,779,000 | 3,699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 1,704 |
| Cost of funding earning assets | 0.7836% | 1,507 |
| Net interest margin | 3.8645% | 2,327 |
| Noninterest income to average assets | 0.5561% | 3,459 |
| Noninterest expense to average assets | 3.4154% | 1,790 |
| Loan and lease loss provision to assets | 0.0070% | 4,707 |
| Net operating income to assets | 0.6955% | 3,822 |
| Return on assets (ROA) | 0.8996% | 2,943 |
| Pretax return on assets | 0.8996% | 3,910 |
| Return on Equity (ROE) | 4.7448% | 4,872 |
| Retained earnings to average equity (ytd only) | 0.8613% | 5,555 |
| Net charge-offs to loans | 0.0223% | 4,390 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 49.9000% | 803 |
| Efficiency ratio | 82.8034% | 1,786 |
| Assets per employee ($millions) | 3.0645% | 5,738 |
| Cash dividends to net income (ytd only)* | 81.8466% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 6,599 |
| Loan loss allowance to noncurrent loans | 183.8188% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.5571% | 2,778 |
| Noncurrent loans to loans | 0.3339% | 5,460 |
| Net loans and leases to total assets | 65.2498% | 2,717 |
| Net loans and leases to deposits | 84.5109% | 1,732 |
| Net loans and leases to core deposits | 86.7924% | 2,251 |
| Total domestic deposits to total assets | 77.2087% | 6,100 |
| Equity capital to assets | 18.3051% | 299 |
| Core capital (leverage) ratio | 18.0847% | 283 |
| Tier 1 risk-based capital ratio | 28.8942% | 577 |
| Total risk-based capital ratio | 29.5232% | 604 |
| Memoranda: | ||
| Average total assets | $142,063,000 | 3,906 |
| Average earning assets | $130,936,000 | 3,886 |
| Average equity | $26,935,000 | 2,496 |
| Average total loans | $89,493,000 | 3,739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 2,088 |
| Cost of funding earning assets | 0.7878% | 1,597 |
| Net interest margin | 3.7361% | 2,713 |
| Noninterest income to average assets | 0.5469% | 3,463 |
| Noninterest expense to average assets | 3.4836% | 1,654 |
| Loan and lease loss provision to assets | 0.0140% | 4,278 |
| Net operating income to assets | 0.5077% | 4,617 |
| Return on assets (ROA) | 0.5021% | 4,797 |
| Pretax return on assets | 0.5021% | 5,249 |
| Return on Equity (ROE) | 2.6036% | 5,735 |
| Retained earnings to average equity (ytd only) | -1.1636% | 5,972 |
| Net charge-offs to loans | 0.0773% | 3,068 |
| Credit loss provision to net charge-offs | 29.4118% | 2,897 |
| Earnings coverage of net charge-offs (x) | 10.9412% | 1,696 |
| Efficiency ratio | 86.8347% | 1,425 |
| Assets per employee ($millions) | 3.2163% | 5,595 |
| Cash dividends to net income (ytd only)* | 144.6927% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 6,675 |
| Loan loss allowance to noncurrent loans | 89.3312% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 3,166 |
| Noncurrent loans to loans | 0.6983% | 4,730 |
| Net loans and leases to total assets | 61.7480% | 3,115 |
| Net loans and leases to deposits | 80.5115% | 2,019 |
| Net loans and leases to core deposits | 81.9519% | 2,574 |
| Total domestic deposits to total assets | 76.6946% | 6,280 |
| Equity capital to assets | 18.9768% | 272 |
| Core capital (leverage) ratio | 18.1154% | 277 |
| Tier 1 risk-based capital ratio | 29.4104% | 560 |
| Total risk-based capital ratio | 30.0476% | 583 |
| Memoranda: | ||
| Average total assets | $142,611,500 | 3,934 |
| Average earning assets | $132,009,500 | 3,899 |
| Average equity | $27,500,500 | 2,486 |
| Average total loans | $87,965,500 | 3,791 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 1,498 |
| Cost of funding earning assets | 0.8634% | 2,192 |
| Net interest margin | 4.1597% | 1,778 |
| Noninterest income to average assets | 0.6181% | 3,180 |
| Noninterest expense to average assets | 3.5959% | 1,620 |
| Loan and lease loss provision to assets | 0.0713% | 4,847 |
| Net operating income to assets | 0.7839% | 3,352 |
| Return on assets (ROA) | 0.8857% | 3,128 |
| Pretax return on assets | 0.8857% | 3,970 |
| Return on Equity (ROE) | 4.5216% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.8831% | 3,462 |
| Net charge-offs to loans | 0.0184% | 5,659 |
| Credit loss provision to net charge-offs | 612.5000% | 399 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 504 |
| Efficiency ratio | 80.6731% | 2,054 |
| Assets per employee ($millions) | 2.9891% | 6,034 |
| Cash dividends to net income (ytd only)* | 14.1215% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 6,676 |
| Loan loss allowance to noncurrent loans | 76.0956% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 3,085 |
| Noncurrent loans to loans | 0.8756% | 4,427 |
| Net loans and leases to total assets | 60.8066% | 3,453 |
| Net loans and leases to deposits | 80.0491% | 2,275 |
| Net loans and leases to core deposits | 82.7306% | 2,692 |
| Total domestic deposits to total assets | 75.9616% | 6,357 |
| Equity capital to assets | 19.5995% | 242 |
| Core capital (leverage) ratio | 18.2532% | 266 |
| Tier 1 risk-based capital ratio | 30.4248% | 498 |
| Total risk-based capital ratio | 31.0958% | 515 |
| Memoranda: | ||
| Average total assets | $137,516,200 | 3,995 |
| Average earning assets | $126,714,800 | 3,970 |
| Average equity | $26,937,200 | 2,485 |
| Average total loans | $87,097,200 | 3,821 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 1,446 |
| Cost of funding earning assets | 0.8746% | 2,361 |
| Net interest margin | 4.2192% | 1,683 |
| Noninterest income to average assets | 0.6219% | 3,149 |
| Noninterest expense to average assets | 3.6400% | 1,478 |
| Loan and lease loss provision to assets | 0.0946% | 4,403 |
| Net operating income to assets | 0.7721% | 3,593 |
| Return on assets (ROA) | 0.9085% | 3,172 |
| Pretax return on assets | 0.9085% | 4,068 |
| Return on Equity (ROE) | 4.6388% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.7827% | 4,229 |
| Net charge-offs to loans | 0.0275% | 5,276 |
| Credit loss provision to net charge-offs | 538.8889% | 497 |
| Earnings coverage of net charge-offs (x) | 49.3875% | 762 |
| Efficiency ratio | 80.6619% | 1,993 |
| Assets per employee ($millions) | 3.0234% | 6,015 |
| Cash dividends to net income (ytd only)* | 18.4551% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6639% | 6,786 |
| Loan loss allowance to noncurrent loans | 159.6639% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2662% | 3,765 |
| Noncurrent loans to loans | 0.4158% | 5,620 |
| Net loans and leases to total assets | 61.3193% | 3,509 |
| Net loans and leases to deposits | 80.9287% | 2,259 |
| Net loans and leases to core deposits | 84.1243% | 2,676 |
| Total domestic deposits to total assets | 75.7695% | 6,416 |
| Equity capital to assets | 19.6524% | 252 |
| Core capital (leverage) ratio | 18.4378% | 278 |
| Tier 1 risk-based capital ratio | 29.4641% | 555 |
| Total risk-based capital ratio | 30.1178% | 586 |
| Memoranda: | ||
| Average total assets | $136,773,250 | 4,045 |
| Average earning assets | $125,928,000 | 4,017 |
| Average equity | $26,787,750 | 2,519 |
| Average total loans | $87,371,750 | 3,852 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 1,419 |
| Cost of funding earning assets | 0.8807% | 2,555 |
| Net interest margin | 4.2517% | 1,597 |
| Noninterest income to average assets | 0.6309% | 3,071 |
| Noninterest expense to average assets | 3.6866% | 1,399 |
| Loan and lease loss provision to assets | 0.1132% | 4,112 |
| Net operating income to assets | 0.7426% | 3,635 |
| Return on assets (ROA) | 0.7426% | 3,913 |
| Pretax return on assets | 0.7426% | 4,689 |
| Return on Equity (ROE) | 3.7961% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.2624% | 4,443 |
| Net charge-offs to loans | 0.0501% | 4,704 |
| Credit loss provision to net charge-offs | 350.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,164 |
| Efficiency ratio | 81.0295% | 2,024 |
| Assets per employee ($millions) | 3.0357% | 5,991 |
| Cash dividends to net income (ytd only)* | 14.0594% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 6,916 |
| Loan loss allowance to noncurrent loans | 117.6724% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 3,718 |
| Noncurrent loans to loans | 0.5219% | 5,482 |
| Net loans and leases to total assets | 64.6870% | 2,890 |
| Net loans and leases to deposits | 85.6178% | 1,648 |
| Net loans and leases to core deposits | 88.4900% | 2,148 |
| Total domestic deposits to total assets | 75.5532% | 6,523 |
| Equity capital to assets | 19.7523% | 246 |
| Core capital (leverage) ratio | 18.4904% | 271 |
| Tier 1 risk-based capital ratio | 29.1470% | 561 |
| Total risk-based capital ratio | 29.7745% | 596 |
| Memoranda: | ||
| Average total assets | $136,005,330 | 4,073 |
| Average earning assets | $125,126,000 | 4,047 |
| Average equity | $26,606,330 | 2,518 |
| Average total loans | $87,878,670 | 3,858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 1,708 |
| Cost of funding earning assets | 0.8911% | 2,759 |
| Net interest margin | 4.1637% | 1,874 |
| Noninterest income to average assets | 0.5571% | 3,519 |
| Noninterest expense to average assets | 3.6373% | 1,486 |
| Loan and lease loss provision to assets | 0.1120% | 3,960 |
| Net operating income to assets | 0.6367% | 4,187 |
| Return on assets (ROA) | 0.6367% | 4,399 |
| Pretax return on assets | 0.6367% | 4,986 |
| Return on Equity (ROE) | 3.2705% | 5,605 |
| Retained earnings to average equity (ytd only) | 3.2705% | 4,607 |
| Net charge-offs to loans | 0.0595% | 3,900 |
| Credit loss provision to net charge-offs | 292.3077% | 1,011 |
| Earnings coverage of net charge-offs (x) | 19.5385% | 1,224 |
| Efficiency ratio | 82.7957% | 1,830 |
| Assets per employee ($millions) | 3.0358% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 6,997 |
| Loan loss allowance to noncurrent loans | 99.8062% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 3,834 |
| Noncurrent loans to loans | 0.5867% | 5,492 |
| Net loans and leases to total assets | 64.0049% | 2,848 |
| Net loans and leases to deposits | 84.2981% | 1,629 |
| Net loans and leases to core deposits | 87.5441% | 2,111 |
| Total domestic deposits to total assets | 75.9269% | 6,549 |
| Equity capital to assets | 19.4052% | 251 |
| Core capital (leverage) ratio | 18.5927% | 262 |
| Tier 1 risk-based capital ratio | 29.3598% | 557 |
| Total risk-based capital ratio | 29.9612% | 579 |
| Memoranda: | ||
| Average total assets | $135,704,500 | 4,113 |
| Average earning assets | $124,792,500 | 4,092 |
| Average equity | $26,418,000 | 2,535 |
| Average total loans | $87,361,500 | 3,906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3662% | 1,507 |
| Cost of funding earning assets | 1.0261% | 3,188 |
| Net interest margin | 4.3402% | 1,576 |
| Noninterest income to average assets | 0.6051% | 3,138 |
| Noninterest expense to average assets | 3.6879% | 1,559 |
| Loan and lease loss provision to assets | 0.0863% | 5,521 |
| Net operating income to assets | 0.7973% | 3,045 |
| Return on assets (ROA) | 0.7973% | 3,216 |
| Pretax return on assets | 0.7973% | 3,987 |
| Return on Equity (ROE) | 4.1766% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.4658% | 4,465 |
| Net charge-offs to loans | 0.4014% | 3,412 |
| Credit loss provision to net charge-offs | 32.5779% | 5,750 |
| Earnings coverage of net charge-offs (x) | 3.3343% | 3,554 |
| Efficiency ratio | 80.5551% | 2,227 |
| Assets per employee ($millions) | 3.0635% | 5,968 |
| Cash dividends to net income (ytd only)* | 40.9605% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 7,047 |
| Loan loss allowance to noncurrent loans | 80.4918% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 3,893 |
| Noncurrent loans to loans | 0.7030% | 5,291 |
| Net loans and leases to total assets | 64.0064% | 3,194 |
| Net loans and leases to deposits | 87.0932% | 1,507 |
| Net loans and leases to core deposits | 89.9554% | 2,137 |
| Total domestic deposits to total assets | 73.4918% | 6,764 |
| Equity capital to assets | 19.5303% | 256 |
| Core capital (leverage) ratio | 18.2423% | 284 |
| Tier 1 risk-based capital ratio | 29.7208% | 528 |
| Total risk-based capital ratio | 30.3064% | 554 |
| Memoranda: | ||
| Average total assets | $133,192,000 | 4,104 |
| Average earning assets | $121,723,800 | 4,100 |
| Average equity | $25,427,400 | 2,535 |
| Average total loans | $87,936,200 | 3,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 1,408 |
| Cost of funding earning assets | 1.0500% | 3,316 |
| Net interest margin | 4.3902% | 1,433 |
| Noninterest income to average assets | 0.6145% | 3,081 |
| Noninterest expense to average assets | 3.6508% | 1,595 |
| Loan and lease loss provision to assets | 0.1024% | 5,165 |
| Net operating income to assets | 0.8665% | 2,877 |
| Return on assets (ROA) | 0.8665% | 3,025 |
| Pretax return on assets | 0.8665% | 3,890 |
| Return on Equity (ROE) | 4.5655% | 4,741 |
| Retained earnings to average equity (ytd only) | 2.2642% | 4,995 |
| Net charge-offs to loans | 0.4670% | 2,869 |
| Credit loss provision to net charge-offs | 33.0097% | 5,373 |
| Earnings coverage of net charge-offs (x) | 3.1230% | 3,574 |
| Efficiency ratio | 78.9176% | 2,416 |
| Assets per employee ($millions) | 2.9412% | 6,245 |
| Cash dividends to net income (ytd only)* | 50.4059% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 7,069 |
| Loan loss allowance to noncurrent loans | 64.1278% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 3,775 |
| Noncurrent loans to loans | 0.9514% | 4,982 |
| Net loans and leases to total assets | 62.8517% | 3,537 |
| Net loans and leases to deposits | 85.1788% | 1,808 |
| Net loans and leases to core deposits | 87.9504% | 2,501 |
| Total domestic deposits to total assets | 73.7880% | 6,786 |
| Equity capital to assets | 19.2722% | 298 |
| Core capital (leverage) ratio | 18.3122% | 300 |
| Tier 1 risk-based capital ratio | 29.7225% | 556 |
| Total risk-based capital ratio | 30.3501% | 581 |
| Memoranda: | ||
| Average total assets | $132,791,000 | 4,135 |
| Average earning assets | $121,145,750 | 4,129 |
| Average equity | $25,202,750 | 2,548 |
| Average total loans | $88,228,000 | 3,943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5802% | 1,109 |
| Cost of funding earning assets | 1.0751% | 3,425 |
| Net interest margin | 4.5051% | 1,122 |
| Noninterest income to average assets | 0.6517% | 2,824 |
| Noninterest expense to average assets | 3.6527% | 1,619 |
| Loan and lease loss provision to assets | 0.1319% | 4,646 |
| Net operating income to assets | 0.9700% | 2,354 |
| Return on assets (ROA) | 0.9700% | 2,455 |
| Pretax return on assets | 0.9700% | 3,359 |
| Return on Equity (ROE) | 5.1380% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.4727% | 4,711 |
| Net charge-offs to loans | 0.1930% | 3,998 |
| Credit loss provision to net charge-offs | 101.1628% | 3,066 |
| Earnings coverage of net charge-offs (x) | 8.4535% | 2,053 |
| Efficiency ratio | 76.6975% | 2,901 |
| Assets per employee ($millions) | 2.9228% | 6,252 |
| Cash dividends to net income (ytd only)* | 51.8750% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 6,854 |
| Loan loss allowance to noncurrent loans | 78.8337% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 3,493 |
| Noncurrent loans to loans | 1.0241% | 4,944 |
| Net loans and leases to total assets | 66.7093% | 2,886 |
| Net loans and leases to deposits | 91.7301% | 1,087 |
| Net loans and leases to core deposits | 94.2260% | 1,869 |
| Total domestic deposits to total assets | 72.7235% | 6,955 |
| Equity capital to assets | 18.8287% | 328 |
| Core capital (leverage) ratio | 18.2260% | 309 |
| Tier 1 risk-based capital ratio | 27.8924% | 666 |
| Total risk-based capital ratio | 28.7201% | 684 |
| Memoranda: | ||
| Average total assets | $131,957,000 | 4,180 |
| Average earning assets | $120,175,000 | 4,183 |
| Average equity | $24,912,330 | 2,568 |
| Average total loans | $89,118,670 | 3,964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5712% | 1,117 |
| Cost of funding earning assets | 1.1055% | 3,482 |
| Net interest margin | 4.4657% | 1,140 |
| Noninterest income to average assets | 0.6641% | 2,762 |
| Noninterest expense to average assets | 3.6477% | 1,656 |
| Loan and lease loss provision to assets | 0.1591% | 4,038 |
| Net operating income to assets | 0.9242% | 2,463 |
| Return on assets (ROA) | 0.9242% | 2,522 |
| Pretax return on assets | 0.9242% | 3,413 |
| Return on Equity (ROE) | 4.8885% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.6835% | 5,111 |
| Net charge-offs to loans | 0.1537% | 3,569 |
| Credit loss provision to net charge-offs | 152.9412% | 1,875 |
| Earnings coverage of net charge-offs (x) | 10.4118% | 1,635 |
| Efficiency ratio | 76.9728% | 2,990 |
| Assets per employee ($millions) | 2.9859% | 6,168 |
| Cash dividends to net income (ytd only)* | 65.5629% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 6,840 |
| Loan loss allowance to noncurrent loans | 61.7866% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 3,505 |
| Noncurrent loans to loans | 1.3586% | 4,442 |
| Net loans and leases to total assets | 65.6736% | 3,099 |
| Net loans and leases to deposits | 89.8623% | 1,250 |
| Net loans and leases to core deposits | 93.4095% | 1,962 |
| Total domestic deposits to total assets | 73.0825% | 6,993 |
| Equity capital to assets | 18.4399% | 338 |
| Core capital (leverage) ratio | 18.4995% | 299 |
| Tier 1 risk-based capital ratio | 27.8575% | 643 |
| Total risk-based capital ratio | 28.7106% | 655 |
| Memoranda: | ||
| Average total assets | $130,711,000 | 4,240 |
| Average earning assets | $119,040,500 | 4,239 |
| Average equity | $24,711,000 | 2,574 |
| Average total loans | $88,468,000 | 4,007 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 3,402 |
| Cost of funding earning assets | 1.3751% | 3,428 |
| Net interest margin | 3.8661% | 3,660 |
| Noninterest income to average assets | 0.8866% | 1,902 |
| Noninterest expense to average assets | 3.5548% | 2,047 |
| Loan and lease loss provision to assets | 0.2450% | 4,838 |
| Net operating income to assets | 0.5921% | 3,707 |
| Return on assets (ROA) | 0.5921% | 3,874 |
| Pretax return on assets | 0.5921% | 4,351 |
| Return on Equity (ROE) | 3.1175% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.2140% | 4,337 |
| Net charge-offs to loans | 0.1926% | 5,145 |
| Credit loss provision to net charge-offs | 194.4785% | 1,633 |
| Earnings coverage of net charge-offs (x) | 6.6442% | 2,315 |
| Efficiency ratio | 79.3911% | 2,498 |
| Assets per employee ($millions) | 2.8235% | 6,485 |
| Cash dividends to net income (ytd only)* | 28.9817% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 6,910 |
| Loan loss allowance to noncurrent loans | 57.2663% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.0007% | 3,346 |
| Noncurrent loans to loans | 1.4475% | 4,312 |
| Net loans and leases to total assets | 68.6445% | 2,826 |
| Net loans and leases to deposits | 91.3784% | 1,340 |
| Net loans and leases to core deposits | 95.3045% | 2,087 |
| Total domestic deposits to total assets | 75.1212% | 6,752 |
| Equity capital to assets | 19.3970% | 295 |
| Core capital (leverage) ratio | 18.5634% | 300 |
| Tier 1 risk-based capital ratio | 28.3906% | 579 |
| Total risk-based capital ratio | 29.2428% | 590 |
| Memoranda: | ||
| Average total assets | $129,373,000 | 4,286 |
| Average earning assets | $117,300,400 | 4,285 |
| Average equity | $24,570,800 | 2,599 |
| Average total loans | $84,632,000 | 4,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 4,013 |
| Cost of funding earning assets | 1.4181% | 3,466 |
| Net interest margin | 3.7464% | 4,203 |
| Noninterest income to average assets | 0.9018% | 1,790 |
| Noninterest expense to average assets | 3.5151% | 2,006 |
| Loan and lease loss provision to assets | 0.2637% | 4,469 |
| Net operating income to assets | 0.5140% | 4,245 |
| Return on assets (ROA) | 0.5140% | 4,434 |
| Pretax return on assets | 0.5140% | 4,877 |
| Return on Equity (ROE) | 2.7206% | 5,338 |
| Retained earnings to average equity (ytd only) | 1.6508% | 5,128 |
| Net charge-offs to loans | 0.1480% | 5,124 |
| Credit loss provision to net charge-offs | 276.3441% | 1,185 |
| Earnings coverage of net charge-offs (x) | 8.1503% | 2,205 |
| Efficiency ratio | 80.3059% | 2,295 |
| Assets per employee ($millions) | 3.0181% | 6,116 |
| Cash dividends to net income (ytd only)* | 39.3215% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 6,860 |
| Loan loss allowance to noncurrent loans | 56.3262% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.1059% | 3,325 |
| Noncurrent loans to loans | 1.5298% | 4,344 |
| Net loans and leases to total assets | 65.5170% | 3,794 |
| Net loans and leases to deposits | 86.5193% | 2,235 |
| Net loans and leases to core deposits | 91.2962% | 2,907 |
| Total domestic deposits to total assets | 75.7253% | 6,701 |
| Equity capital to assets | 19.3386% | 330 |
| Core capital (leverage) ratio | 18.4470% | 326 |
| Tier 1 risk-based capital ratio | 28.8214% | 580 |
| Total risk-based capital ratio | 29.7087% | 585 |
| Memoranda: | ||
| Average total assets | $129,952,250 | 4,328 |
| Average earning assets | $117,621,000 | 4,342 |
| Average equity | $24,552,250 | 2,644 |
| Average total loans | $83,803,500 | 4,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,576 |
| Cost of funding earning assets | 1.4678% | 3,442 |
| Net interest margin | 3.6093% | 4,775 |
| Noninterest income to average assets | 0.9276% | 1,593 |
| Noninterest expense to average assets | 3.4920% | 2,050 |
| Loan and lease loss provision to assets | 0.2754% | 4,188 |
| Net operating income to assets | 0.4323% | 4,612 |
| Return on assets (ROA) | 0.4323% | 4,771 |
| Pretax return on assets | 0.4323% | 5,114 |
| Return on Equity (ROE) | 2.3061% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.6894% | 5,486 |
| Net charge-offs to loans | 0.1636% | 4,636 |
| Credit loss provision to net charge-offs | 263.2353% | 1,442 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,405 |
| Efficiency ratio | 81.5385% | 2,230 |
| Assets per employee ($millions) | 2.7847% | 6,606 |
| Cash dividends to net income (ytd only)* | 70.1068% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 6,944 |
| Loan loss allowance to noncurrent loans | 154.8533% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 4,263 |
| Noncurrent loans to loans | 0.5408% | 6,169 |
| Net loans and leases to total assets | 63.4175% | 4,371 |
| Net loans and leases to deposits | 83.6670% | 2,935 |
| Net loans and leases to core deposits | 89.3270% | 3,365 |
| Total domestic deposits to total assets | 75.7975% | 6,729 |
| Equity capital to assets | 19.2991% | 323 |
| Core capital (leverage) ratio | 18.2332% | 340 |
| Tier 1 risk-based capital ratio | 29.5769% | 536 |
| Total risk-based capital ratio | 30.4296% | 543 |
| Memoranda: | ||
| Average total assets | $130,010,670 | 4,351 |
| Average earning assets | $117,861,670 | 4,370 |
| Average equity | $24,370,670 | 2,655 |
| Average total loans | $83,149,670 | 4,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 4,969 |
| Cost of funding earning assets | 1.5189% | 3,428 |
| Net interest margin | 3.4925% | 5,192 |
| Noninterest income to average assets | 0.8185% | 1,936 |
| Noninterest expense to average assets | 3.4909% | 2,007 |
| Loan and lease loss provision to assets | 0.3512% | 3,273 |
| Net operating income to assets | 0.1435% | 5,881 |
| Return on assets (ROA) | 0.1435% | 6,009 |
| Pretax return on assets | 0.1435% | 6,033 |
| Return on Equity (ROE) | 0.7770% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.1984% | 5,741 |
| Net charge-offs to loans | 0.4011% | 2,838 |
| Credit loss provision to net charge-offs | 136.9048% | 2,576 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 3,577 |
| Efficiency ratio | 85.9004% | 1,804 |
| Assets per employee ($millions) | 2.8321% | 6,570 |
| Cash dividends to net income (ytd only)* | 74.4681% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 7,268 |
| Loan loss allowance to noncurrent loans | 47.1229% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.0771% | 3,417 |
| Noncurrent loans to loans | 1.5736% | 4,380 |
| Net loans and leases to total assets | 62.2638% | 4,705 |
| Net loans and leases to deposits | 81.3495% | 3,394 |
| Net loans and leases to core deposits | 88.2665% | 3,596 |
| Total domestic deposits to total assets | 76.5386% | 6,652 |
| Equity capital to assets | 18.5818% | 370 |
| Core capital (leverage) ratio | 18.3243% | 356 |
| Tier 1 risk-based capital ratio | 29.6153% | 546 |
| Total risk-based capital ratio | 30.3737% | 562 |
| Memoranda: | ||
| Average total assets | $130,969,000 | 4,383 |
| Average earning assets | $118,768,500 | 4,409 |
| Average equity | $24,195,500 | 2,702 |
| Average total loans | $83,764,500 | 4,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 3,648 |
| Cost of funding earning assets | 1.7398% | 4,308 |
| Net interest margin | 3.8525% | 3,472 |
| Noninterest income to average assets | 0.9505% | 1,746 |
| Noninterest expense to average assets | 3.5534% | 2,258 |
| Loan and lease loss provision to assets | 0.0795% | 6,810 |
| Net operating income to assets | 0.8301% | 2,414 |
| Return on assets (ROA) | 0.8301% | 2,500 |
| Pretax return on assets | 0.8301% | 3,152 |
| Return on Equity (ROE) | 4.4185% | 3,917 |
| Retained earnings to average equity (ytd only) | 1.8763% | 3,779 |
| Net charge-offs to loans | 0.0135% | 7,032 |
| Credit loss provision to net charge-offs | 918.1818% | 320 |
| Earnings coverage of net charge-offs (x) | 105.0909% | 267 |
| Efficiency ratio | 78.0853% | 3,177 |
| Assets per employee ($millions) | 2.9923% | 6,246 |
| Cash dividends to net income (ytd only)* | 57.5355% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 7,436 |
| Loan loss allowance to noncurrent loans | 83.5756% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5760% | 4,016 |
| Noncurrent loans to loans | 0.8018% | 5,678 |
| Net loans and leases to total assets | 64.7364% | 4,434 |
| Net loans and leases to deposits | 84.2197% | 3,214 |
| Net loans and leases to core deposits | 107.3275% | 3,178 |
| Total domestic deposits to total assets | 76.8662% | 6,515 |
| Equity capital to assets | 18.3678% | 422 |
| Core capital (leverage) ratio | 18.0748% | 403 |
| Tier 1 risk-based capital ratio | 28.2424% | 622 |
| Total risk-based capital ratio | 28.9297% | 645 |
| Memoranda: | ||
| Average total assets | $127,089,600 | 4,399 |
| Average earning assets | $115,873,200 | 4,400 |
| Average equity | $23,876,800 | 2,738 |
| Average total loans | $81,752,600 | 4,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6674% | 3,488 |
| Cost of funding earning assets | 1.7615% | 4,580 |
| Net interest margin | 3.9059% | 3,220 |
| Noninterest income to average assets | 0.9369% | 1,831 |
| Noninterest expense to average assets | 3.5051% | 2,272 |
| Loan and lease loss provision to assets | 0.0699% | 6,661 |
| Net operating income to assets | 0.9252% | 2,324 |
| Return on assets (ROA) | 0.9252% | 2,395 |
| Pretax return on assets | 0.9252% | 3,148 |
| Return on Equity (ROE) | 4.8962% | 4,010 |
| Retained earnings to average equity (ytd only) | 1.4957% | 4,476 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3350% | 3,446 |
| Assets per employee ($millions) | 3.0063% | 6,148 |
| Cash dividends to net income (ytd only)* | 69.4508% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 7,495 |
| Loan loss allowance to noncurrent loans | 82.3617% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 4,111 |
| Noncurrent loans to loans | 0.7839% | 5,733 |
| Net loans and leases to total assets | 65.5950% | 4,511 |
| Net loans and leases to deposits | 88.7312% | 2,830 |
| Net loans and leases to core deposits | 113.2471% | 2,905 |
| Total domestic deposits to total assets | 73.9255% | 6,956 |
| Equity capital to assets | 18.7573% | 441 |
| Core capital (leverage) ratio | 18.1830% | 441 |
| Tier 1 risk-based capital ratio | 28.1737% | 678 |
| Total risk-based capital ratio | 28.8364% | 689 |
| Memoranda: | ||
| Average total assets | $125,947,000 | 4,449 |
| Average earning assets | $114,899,750 | 4,453 |
| Average equity | $23,800,250 | 2,777 |
| Average total loans | $80,739,000 | 4,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7203% | 3,434 |
| Cost of funding earning assets | 1.7845% | 4,837 |
| Net interest margin | 3.9358% | 2,951 |
| Noninterest income to average assets | 0.9532% | 1,746 |
| Noninterest expense to average assets | 3.3932% | 2,651 |
| Loan and lease loss provision to assets | 0.0497% | 6,734 |
| Net operating income to assets | 1.1038% | 1,760 |
| Return on assets (ROA) | 1.1038% | 1,838 |
| Pretax return on assets | 1.1038% | 2,626 |
| Return on Equity (ROE) | 5.8264% | 3,736 |
| Retained earnings to average equity (ytd only) | 1.6574% | 4,418 |
| Net charge-offs to loans | 0.0076% | 6,478 |
| Credit loss provision to net charge-offs | 1,033.3333% | 476 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 168 |
| Efficiency ratio | 73.0796% | 4,180 |
| Assets per employee ($millions) | 2.9920% | 6,155 |
| Cash dividends to net income (ytd only)* | 71.5530% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 7,600 |
| Loan loss allowance to noncurrent loans | 129.2191% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 4,340 |
| Noncurrent loans to loans | 0.4778% | 6,330 |
| Net loans and leases to total assets | 64.1786% | 4,946 |
| Net loans and leases to deposits | 86.6311% | 3,432 |
| Net loans and leases to core deposits | 111.5556% | 3,197 |
| Total domestic deposits to total assets | 74.0826% | 6,945 |
| Equity capital to assets | 18.6608% | 484 |
| Core capital (leverage) ratio | 18.2110% | 486 |
| Tier 1 risk-based capital ratio | 28.4785% | 687 |
| Total risk-based capital ratio | 29.1047% | 708 |
| Memoranda: | ||
| Average total assets | $124,838,670 | 4,513 |
| Average earning assets | $113,980,000 | 4,514 |
| Average equity | $23,651,000 | 2,797 |
| Average total loans | $79,203,000 | 4,612 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 3,354 |
| Cost of funding earning assets | 1.8029% | 5,101 |
| Net interest margin | 3.9872% | 2,695 |
| Noninterest income to average assets | 0.8720% | 1,975 |
| Noninterest expense to average assets | 3.3450% | 2,517 |
| Loan and lease loss provision to assets | 0.0813% | 5,924 |
| Net operating income to assets | 1.0868% | 2,007 |
| Return on assets (ROA) | 1.0868% | 2,136 |
| Pretax return on assets | 1.0868% | 3,037 |
| Return on Equity (ROE) | 5.6918% | 4,174 |
| Retained earnings to average equity (ytd only) | 2.7777% | 4,333 |
| Net charge-offs to loans | 0.0207% | 5,274 |
| Credit loss provision to net charge-offs | 625.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 89.7500% | 477 |
| Efficiency ratio | 72.5306% | 4,096 |
| Assets per employee ($millions) | 2.7682% | 6,715 |
| Cash dividends to net income (ytd only)* | 51.1976% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6320% | 7,604 |
| Loan loss allowance to noncurrent loans | 112.6949% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 3,956 |
| Noncurrent loans to loans | 0.5608% | 6,010 |
| Net loans and leases to total assets | 62.4764% | 5,241 |
| Net loans and leases to deposits | 84.4676% | 3,904 |
| Net loans and leases to core deposits | 103.6628% | 4,174 |
| Total domestic deposits to total assets | 73.9649% | 6,898 |
| Equity capital to assets | 18.6514% | 526 |
| Core capital (leverage) ratio | 19.0765% | 443 |
| Tier 1 risk-based capital ratio | 28.8149% | 701 |
| Total risk-based capital ratio | 29.4415% | 725 |
| Memoranda: | ||
| Average total assets | $122,930,500 | 4,578 |
| Average earning assets | $112,260,500 | 4,580 |
| Average equity | $23,472,500 | 2,821 |
| Average total loans | $77,263,500 | 4,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0323% | 5,404 |
| Cost of funding earning assets | 2.2355% | 5,436 |
| Net interest margin | 3.7968% | 4,038 |
| Noninterest income to average assets | 0.8714% | 2,101 |
| Noninterest expense to average assets | 3.5170% | 2,348 |
| Loan and lease loss provision to assets | 0.0184% | 7,154 |
| Net operating income to assets | 0.7652% | 3,591 |
| Return on assets (ROA) | 0.7678% | 3,424 |
| Pretax return on assets | 0.7678% | 4,188 |
| Return on Equity (ROE) | 3.8067% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.2796% | 3,791 |
| Net charge-offs to loans | 0.0456% | 6,136 |
| Credit loss provision to net charge-offs | 65.6250% | 6,149 |
| Earnings coverage of net charge-offs (x) | 27.9063% | 1,227 |
| Efficiency ratio | 80.0857% | 2,588 |
| Assets per employee ($millions) | 2.8909% | 6,334 |
| Cash dividends to net income (ytd only)* | 40.1143% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 7,544 |
| Loan loss allowance to noncurrent loans | 193.2271% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 3,650 |
| Noncurrent loans to loans | 0.3371% | 6,365 |
| Net loans and leases to total assets | 62.4181% | 5,554 |
| Net loans and leases to deposits | 83.1490% | 4,559 |
| Net loans and leases to core deposits | 101.6558% | 4,652 |
| Total domestic deposits to total assets | 75.0677% | 6,436 |
| Equity capital to assets | 19.5697% | 494 |
| Core capital (leverage) ratio | 19.1311% | 501 |
| Tier 1 risk-based capital ratio | 26.7292% | 843 |
| Total risk-based capital ratio | 27.2908% | 880 |
| Memoranda: | ||
| Average total assets | $113,960,400 | 4,667 |
| Average earning assets | $102,928,800 | 4,717 |
| Average equity | $22,986,000 | 2,850 |
| Average total loans | $70,143,200 | 4,859 |