Home > The Peoples Bank > Performance and Condition Ratios
The Peoples 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 | 6.8894% | 248 |
| Cost of funding earning assets | 1.7502% | 1,355 |
| Net interest margin | 5.1393% | 275 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.5996% | 508 |
| Loan and lease loss provision to assets | 1.1200% | 58 |
| Net operating income to assets | 0.9403% | 2,399 |
| Return on assets (ROA) | 0.9403% | 2,387 |
| Pretax return on assets | 0.9853% | 2,715 |
| Return on Equity (ROE) | 8.5000% | 2,894 |
| Retained earnings to average equity (ytd only) | -3.8083% | 4,363 |
| Net charge-offs to loans | 1.1900% | 81 |
| Credit loss provision to net charge-offs | 118.3400% | 1,690 |
| Earnings coverage of net charge-offs (x) | 2.2200% | 2,710 |
| Efficiency ratio | 61.5807% | 2,892 |
| Assets per employee ($millions) | 3.0781% | 4,371 |
| Cash dividends to net income (ytd only)* | 144.7903% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 400 |
| Loan loss allowance to noncurrent loans | 82.4273% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 150 |
| Noncurrent loans to loans | 2.3880% | 209 |
| Net loans and leases to total assets | 76.6200% | 1,028 |
| Net loans and leases to deposits | 109.9931% | 198 |
| Net loans and leases to core deposits | 132.6170% | 365 |
| Total domestic deposits to total assets | 69.6600% | 4,300 |
| Equity capital to assets | 11.5175% | 1,280 |
| Core capital (leverage) ratio | 10.7806% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3951% | 1,013 |
| Memoranda: | ||
| Average total assets | $235,775,600 | 2,762 |
| Average earning assets | $215,750,600 | 2,765 |
| Average equity | $26,074,600 | 2,458 |
| Average total loans | $188,318,800 | 2,371 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8134% | 231 |
| Cost of funding earning assets | 1.7005% | 1,185 |
| Net interest margin | 5.1130% | 275 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 3.6336% | 478 |
| Loan and lease loss provision to assets | 1.2300% | 46 |
| Net operating income to assets | 0.7439% | 3,190 |
| Return on assets (ROA) | 0.7439% | 3,184 |
| Pretax return on assets | 0.8032% | 3,326 |
| Return on Equity (ROE) | 6.7900% | 3,485 |
| Retained earnings to average equity (ytd only) | -5.5071% | 4,432 |
| Net charge-offs to loans | 1.2421% | 76 |
| Credit loss provision to net charge-offs | 123.2623% | 1,459 |
| Earnings coverage of net charge-offs (x) | 2.0381% | 2,501 |
| Efficiency ratio | 62.6813% | 2,642 |
| Assets per employee ($millions) | 3.0028% | 4,398 |
| Cash dividends to net income (ytd only)* | 181.0669% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 495 |
| Loan loss allowance to noncurrent loans | 88.5846% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 202 |
| Noncurrent loans to loans | 2.1210% | 271 |
| Net loans and leases to total assets | 77.1700% | 974 |
| Net loans and leases to deposits | 108.8713% | 227 |
| Net loans and leases to core deposits | 135.8982% | 266 |
| Total domestic deposits to total assets | 70.8800% | 4,296 |
| Equity capital to assets | 10.8686% | 1,401 |
| Core capital (leverage) ratio | 10.3832% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5722% | 1,184 |
| Memoranda: | ||
| Average total assets | $238,544,000 | 2,756 |
| Average earning assets | $218,368,000 | 2,762 |
| Average equity | $26,123,250 | 2,439 |
| Average total loans | $191,491,750 | 2,347 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7281% | 211 |
| Cost of funding earning assets | 1.6206% | 1,015 |
| Net interest margin | 5.1075% | 268 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 3.6469% | 460 |
| Loan and lease loss provision to assets | 1.3300% | 42 |
| Net operating income to assets | 0.6159% | 3,540 |
| Return on assets (ROA) | 0.6159% | 3,545 |
| Pretax return on assets | 0.6817% | 3,637 |
| Return on Equity (ROE) | 5.6100% | 3,778 |
| Retained earnings to average equity (ytd only) | -4.2588% | 4,398 |
| Net charge-offs to loans | 1.2201% | 68 |
| Credit loss provision to net charge-offs | 134.9958% | 1,262 |
| Earnings coverage of net charge-offs (x) | 2.0414% | 2,329 |
| Efficiency ratio | 63.0099% | 2,590 |
| Assets per employee ($millions) | 2.9638% | 4,437 |
| Cash dividends to net income (ytd only)* | 175.9134% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 586 |
| Loan loss allowance to noncurrent loans | 88.5363% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 204 |
| Noncurrent loans to loans | 2.0517% | 262 |
| Net loans and leases to total assets | 78.8700% | 752 |
| Net loans and leases to deposits | 111.2957% | 182 |
| Net loans and leases to core deposits | 139.5261% | 218 |
| Total domestic deposits to total assets | 70.8700% | 4,335 |
| Equity capital to assets | 11.0469% | 1,373 |
| Core capital (leverage) ratio | 10.4486% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3747% | 1,246 |
| Memoranda: | ||
| Average total assets | $239,987,000 | 2,751 |
| Average earning assets | $219,912,667 | 2,761 |
| Average equity | $26,345,667 | 2,443 |
| Average total loans | $193,920,000 | 2,330 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7768% | 139 |
| Cost of funding earning assets | 1.5824% | 720 |
| Net interest margin | 5.1944% | 224 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 3.6003% | 486 |
| Loan and lease loss provision to assets | 1.5400% | 52 |
| Net operating income to assets | 0.5583% | 3,776 |
| Return on assets (ROA) | 0.5583% | 3,740 |
| Pretax return on assets | 0.6081% | 3,826 |
| Return on Equity (ROE) | 5.1000% | 3,875 |
| Retained earnings to average equity (ytd only) | -0.9538% | 4,120 |
| Net charge-offs to loans | 1.1490% | 68 |
| Credit loss provision to net charge-offs | 165.1246% | 911 |
| Earnings coverage of net charge-offs (x) | 2.3043% | 1,934 |
| Efficiency ratio | 61.2745% | 2,782 |
| Assets per employee ($millions) | 3.1221% | 4,481 |
| Cash dividends to net income (ytd only)* | 118.6944% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 731 |
| Loan loss allowance to noncurrent loans | 96.1127% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 234 |
| Noncurrent loans to loans | 1.8150% | 338 |
| Net loans and leases to total assets | 78.9200% | 655 |
| Net loans and leases to deposits | 111.2023% | 170 |
| Net loans and leases to core deposits | 138.0816% | 198 |
| Total domestic deposits to total assets | 70.9700% | 4,394 |
| Equity capital to assets | 10.8584% | 1,397 |
| Core capital (leverage) ratio | 10.3214% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0115% | 1,367 |
| Memoranda: | ||
| Average total assets | $241,427,000 | 2,779 |
| Average earning assets | $220,930,000 | 2,792 |
| Average equity | $26,422,000 | 2,467 |
| Average total loans | $195,641,000 | 2,337 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7143% | 56 |
| Cost of funding earning assets | 1.0447% | 137 |
| Net interest margin | 5.6696% | 71 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 3.5362% | 475 |
| Loan and lease loss provision to assets | 0.9500% | 44 |
| Net operating income to assets | 1.5854% | 716 |
| Return on assets (ROA) | 1.5854% | 683 |
| Pretax return on assets | 1.6717% | 989 |
| Return on Equity (ROE) | 14.2100% | 1,487 |
| Retained earnings to average equity (ytd only) | 6.8645% | 2,295 |
| Net charge-offs to loans | 0.6632% | 107 |
| Credit loss provision to net charge-offs | 180.5556% | 1,180 |
| Earnings coverage of net charge-offs (x) | 4.9714% | 2,393 |
| Efficiency ratio | 56.3647% | 3,545 |
| Assets per employee ($millions) | 2.7196% | 4,563 |
| Cash dividends to net income (ytd only)* | 51.7007% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,057 |
| Loan loss allowance to noncurrent loans | 84.1436% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 213 |
| Noncurrent loans to loans | 1.8499% | 316 |
| Net loans and leases to total assets | 80.4900% | 541 |
| Net loans and leases to deposits | 114.3615% | 112 |
| Net loans and leases to core deposits | 145.3321% | 113 |
| Total domestic deposits to total assets | 70.3800% | 4,463 |
| Equity capital to assets | 11.0313% | 1,243 |
| Core capital (leverage) ratio | 10.2940% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0246% | 1,366 |
| Memoranda: | ||
| Average total assets | $231,803,400 | 2,835 |
| Average earning assets | $212,025,200 | 2,848 |
| Average equity | $25,857,800 | 2,543 |
| Average total loans | $184,560,000 | 2,336 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6320% | 47 |
| Cost of funding earning assets | 0.9305% | 88 |
| Net interest margin | 5.7015% | 62 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 3.6046% | 446 |
| Loan and lease loss provision to assets | 0.7700% | 59 |
| Net operating income to assets | 1.8388% | 394 |
| Return on assets (ROA) | 1.8388% | 383 |
| Pretax return on assets | 1.8388% | 679 |
| Return on Equity (ROE) | 16.4400% | 902 |
| Retained earnings to average equity (ytd only) | 8.6616% | 1,768 |
| Net charge-offs to loans | 0.5318% | 122 |
| Credit loss provision to net charge-offs | 183.3103% | 1,023 |
| Earnings coverage of net charge-offs (x) | 6.2069% | 2,122 |
| Efficiency ratio | 57.6708% | 3,425 |
| Assets per employee ($millions) | 2.7044% | 4,600 |
| Cash dividends to net income (ytd only)* | 47.3037% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,705 |
| Loan loss allowance to noncurrent loans | 77.9859% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 248 |
| Noncurrent loans to loans | 1.7589% | 369 |
| Net loans and leases to total assets | 79.5800% | 565 |
| Net loans and leases to deposits | 113.2284% | 91 |
| Net loans and leases to core deposits | 155.8891% | 51 |
| Total domestic deposits to total assets | 70.2800% | 4,530 |
| Equity capital to assets | 10.9520% | 1,195 |
| Core capital (leverage) ratio | 10.4598% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9931% | 1,433 |
| Memoranda: | ||
| Average total assets | $229,922,250 | 2,860 |
| Average earning assets | $210,347,250 | 2,878 |
| Average equity | $25,722,000 | 2,585 |
| Average total loans | $181,778,000 | 2,362 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4604% | 49 |
| Cost of funding earning assets | 0.8896% | 67 |
| Net interest margin | 5.5708% | 69 |
| Noninterest income to average assets | 1.0401% | 614 |
| Noninterest expense to average assets | 3.6363% | 381 |
| Loan and lease loss provision to assets | 0.6265% | 80 |
| Net operating income to assets | 1.8795% | 282 |
| Return on assets (ROA) | 1.8795% | 279 |
| Pretax return on assets | 1.8795% | 487 |
| Return on Equity (ROE) | 16.6765% | 606 |
| Retained earnings to average equity (ytd only) | 4.9159% | 2,735 |
| Net charge-offs to loans | 0.4808% | 140 |
| Credit loss provision to net charge-offs | 166.0422% | 1,055 |
| Earnings coverage of net charge-offs (x) | 6.6417% | 1,887 |
| Efficiency ratio | 59.2001% | 3,414 |
| Assets per employee ($millions) | 2.5946% | 4,663 |
| Cash dividends to net income (ytd only)* | 70.5219% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,404 |
| Loan loss allowance to noncurrent loans | 78.8552% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 307 |
| Noncurrent loans to loans | 1.5931% | 455 |
| Net loans and leases to total assets | 78.8348% | 496 |
| Net loans and leases to deposits | 114.5814% | 63 |
| Net loans and leases to core deposits | 150.5857% | 52 |
| Total domestic deposits to total assets | 68.8024% | 4,629 |
| Equity capital to assets | 10.9175% | 1,250 |
| Core capital (leverage) ratio | 10.2340% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9148% | 1,456 |
| Memoranda: | ||
| Average total assets | $226,331,333 | 2,908 |
| Average earning assets | $207,294,000 | 2,934 |
| Average equity | $25,509,000 | 2,649 |
| Average total loans | $177,634,667 | 2,395 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 56 |
| Cost of funding earning assets | 0.8676% | 65 |
| Net interest margin | 5.3776% | 78 |
| Noninterest income to average assets | 1.0128% | 661 |
| Noninterest expense to average assets | 3.4731% | 429 |
| Loan and lease loss provision to assets | 0.5010% | 96 |
| Net operating income to assets | 1.9808% | 229 |
| Return on assets (ROA) | 1.9808% | 231 |
| Pretax return on assets | 1.9808% | 373 |
| Return on Equity (ROE) | 17.2908% | 390 |
| Retained earnings to average equity (ytd only) | 7.8851% | 1,619 |
| Net charge-offs to loans | 0.4387% | 157 |
| Credit loss provision to net charge-offs | 146.8421% | 869 |
| Earnings coverage of net charge-offs (x) | 7.2737% | 1,544 |
| Efficiency ratio | 58.3233% | 3,647 |
| Assets per employee ($millions) | 2.8005% | 4,674 |
| Cash dividends to net income (ytd only)* | 54.3971% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,832 |
| Loan loss allowance to noncurrent loans | 84.9407% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 418 |
| Noncurrent loans to loans | 1.4186% | 602 |
| Net loans and leases to total assets | 75.7990% | 520 |
| Net loans and leases to deposits | 111.4019% | 64 |
| Net loans and leases to core deposits | 143.3729% | 52 |
| Total domestic deposits to total assets | 68.0410% | 4,675 |
| Equity capital to assets | 11.0220% | 1,323 |
| Core capital (leverage) ratio | 10.2150% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5029% | 1,383 |
| Memoranda: | ||
| Average total assets | $222,739,500 | 2,943 |
| Average earning assets | $204,701,500 | 2,969 |
| Average equity | $25,516,500 | 2,738 |
| Average total loans | $173,235,500 | 2,430 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4800% | 53 |
| Cost of funding earning assets | 0.9800% | 81 |
| Net interest margin | 5.5000% | 85 |
| Noninterest income to average assets | 0.8730% | 1,275 |
| Noninterest expense to average assets | 3.1390% | 800 |
| Loan and lease loss provision to assets | 0.6115% | 85 |
| Net operating income to assets | 2.2006% | 242 |
| Return on assets (ROA) | 2.2010% | 252 |
| Pretax return on assets | 2.2010% | 409 |
| Return on Equity (ROE) | 19.6383% | 332 |
| Retained earnings to average equity (ytd only) | 6.9022% | 1,958 |
| Net charge-offs to loans | 0.6279% | 124 |
| Credit loss provision to net charge-offs | 130.4519% | 1,577 |
| Earnings coverage of net charge-offs (x) | 5.9990% | 2,421 |
| Efficiency ratio | 52.7468% | 4,058 |
| Assets per employee ($millions) | 2.6629% | 4,730 |
| Cash dividends to net income (ytd only)* | 64.8536% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,763 |
| Loan loss allowance to noncurrent loans | 81.1343% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 380 |
| Noncurrent loans to loans | 1.5101% | 597 |
| Net loans and leases to total assets | 77.9552% | 379 |
| Net loans and leases to deposits | 119.7176% | 41 |
| Net loans and leases to core deposits | 172.6094% | 32 |
| Total domestic deposits to total assets | 65.1159% | 4,737 |
| Equity capital to assets | 11.9291% | 1,283 |
| Core capital (leverage) ratio | 11.6046% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7879% | 923 |
| Memoranda: | ||
| Average total assets | $217,170,600 | 2,933 |
| Average earning assets | $200,510,400 | 2,948 |
| Average equity | $24,340,200 | 2,894 |
| Average total loans | $162,133,400 | 2,527 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4971% | 56 |
| Cost of funding earning assets | 1.0009% | 84 |
| Net interest margin | 5.4962% | 88 |
| Noninterest income to average assets | 0.8640% | 1,336 |
| Noninterest expense to average assets | 3.0533% | 889 |
| Loan and lease loss provision to assets | 0.6787% | 70 |
| Net operating income to assets | 2.2015% | 326 |
| Return on assets (ROA) | 2.2022% | 341 |
| Pretax return on assets | 2.2022% | 541 |
| Return on Equity (ROE) | 19.9618% | 428 |
| Retained earnings to average equity (ytd only) | 2.7916% | 3,969 |
| Net charge-offs to loans | 0.7213% | 107 |
| Credit loss provision to net charge-offs | 127.8481% | 1,430 |
| Earnings coverage of net charge-offs (x) | 5.4246% | 2,225 |
| Efficiency ratio | 51.4571% | 4,079 |
| Assets per employee ($millions) | 2.7528% | 4,795 |
| Cash dividends to net income (ytd only)* | 86.0155% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,887 |
| Loan loss allowance to noncurrent loans | 89.7702% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 528 |
| Noncurrent loans to loans | 1.3609% | 786 |
| Net loans and leases to total assets | 75.0111% | 614 |
| Net loans and leases to deposits | 113.1672% | 74 |
| Net loans and leases to core deposits | 166.1077% | 46 |
| Total domestic deposits to total assets | 66.2834% | 4,793 |
| Equity capital to assets | 11.3264% | 1,788 |
| Core capital (leverage) ratio | 10.8951% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5043% | 1,049 |
| Memoranda: | ||
| Average total assets | $218,204,750 | 2,948 |
| Average earning assets | $201,275,250 | 2,976 |
| Average equity | $24,072,000 | 2,938 |
| Average total loans | $160,634,000 | 2,576 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5839% | 59 |
| Cost of funding earning assets | 1.0216% | 98 |
| Net interest margin | 5.5623% | 89 |
| Noninterest income to average assets | 0.8771% | 1,339 |
| Noninterest expense to average assets | 3.0470% | 912 |
| Loan and lease loss provision to assets | 0.4659% | 118 |
| Net operating income to assets | 2.4972% | 218 |
| Return on assets (ROA) | 2.4990% | 234 |
| Pretax return on assets | 2.4990% | 357 |
| Return on Equity (ROE) | 22.8518% | 270 |
| Retained earnings to average equity (ytd only) | 1.1755% | 4,302 |
| Net charge-offs to loans | 0.3979% | 211 |
| Credit loss provision to net charge-offs | 160.6918% | 1,138 |
| Earnings coverage of net charge-offs (x) | 10.2201% | 1,808 |
| Efficiency ratio | 50.6978% | 4,173 |
| Assets per employee ($millions) | 2.8464% | 4,807 |
| Cash dividends to net income (ytd only)* | 94.8559% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,958 |
| Loan loss allowance to noncurrent loans | 80.0577% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 611 |
| Noncurrent loans to loans | 1.4929% | 761 |
| Net loans and leases to total assets | 73.2869% | 827 |
| Net loans and leases to deposits | 110.7676% | 107 |
| Net loans and leases to core deposits | 161.8596% | 52 |
| Total domestic deposits to total assets | 66.1628% | 4,817 |
| Equity capital to assets | 10.9148% | 2,052 |
| Core capital (leverage) ratio | 10.5824% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8574% | 985 |
| Memoranda: | ||
| Average total assets | $219,366,667 | 2,946 |
| Average earning assets | $202,433,333 | 2,963 |
| Average equity | $23,989,333 | 2,938 |
| Average total loans | $159,827,000 | 2,597 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2563% | 77 |
| Cost of funding earning assets | 1.0555% | 106 |
| Net interest margin | 5.2008% | 150 |
| Noninterest income to average assets | 0.8384% | 1,495 |
| Noninterest expense to average assets | 2.9089% | 1,134 |
| Loan and lease loss provision to assets | 0.4301% | 169 |
| Net operating income to assets | 2.3038% | 357 |
| Return on assets (ROA) | 2.3074% | 382 |
| Pretax return on assets | 2.3074% | 578 |
| Return on Equity (ROE) | 21.0798% | 462 |
| Retained earnings to average equity (ytd only) | 7.7592% | 2,328 |
| Net charge-offs to loans | 0.4266% | 192 |
| Credit loss provision to net charge-offs | 139.6450% | 1,005 |
| Earnings coverage of net charge-offs (x) | 8.8757% | 1,555 |
| Efficiency ratio | 51.5504% | 4,044 |
| Assets per employee ($millions) | 3.1572% | 4,792 |
| Cash dividends to net income (ytd only)* | 63.1912% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,248 |
| Loan loss allowance to noncurrent loans | 75.6768% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 678 |
| Noncurrent loans to loans | 1.5068% | 832 |
| Net loans and leases to total assets | 71.2780% | 1,116 |
| Net loans and leases to deposits | 108.4539% | 149 |
| Net loans and leases to core deposits | 155.8450% | 69 |
| Total domestic deposits to total assets | 65.7219% | 4,844 |
| Equity capital to assets | 10.9457% | 1,902 |
| Core capital (leverage) ratio | 10.8843% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8129% | 954 |
| Memoranda: | ||
| Average total assets | $219,465,000 | 2,930 |
| Average earning assets | $202,738,500 | 2,950 |
| Average equity | $24,023,000 | 2,929 |
| Average total loans | $158,457,500 | 2,614 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2938% | 68 |
| Cost of funding earning assets | 1.7181% | 32 |
| Net interest margin | 4.5757% | 277 |
| Noninterest income to average assets | 0.7232% | 1,775 |
| Noninterest expense to average assets | 2.8124% | 1,907 |
| Loan and lease loss provision to assets | 0.5022% | 486 |
| Net operating income to assets | 1.6268% | 609 |
| Return on assets (ROA) | 1.6277% | 654 |
| Pretax return on assets | 1.6277% | 1,009 |
| Return on Equity (ROE) | 15.5038% | 563 |
| Retained earnings to average equity (ytd only) | 8.6202% | 870 |
| Net charge-offs to loans | 0.6195% | 242 |
| Credit loss provision to net charge-offs | 113.2492% | 2,700 |
| Earnings coverage of net charge-offs (x) | 4.8013% | 2,932 |
| Efficiency ratio | 56.9164% | 3,871 |
| Assets per employee ($millions) | 3.1133% | 4,789 |
| Cash dividends to net income (ytd only)* | 44.3999% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,413 |
| Loan loss allowance to noncurrent loans | 78.6871% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 877 |
| Noncurrent loans to loans | 1.4114% | 957 |
| Net loans and leases to total assets | 71.5017% | 1,363 |
| Net loans and leases to deposits | 111.5739% | 148 |
| Net loans and leases to core deposits | 164.4570% | 67 |
| Total domestic deposits to total assets | 64.0846% | 4,882 |
| Equity capital to assets | 10.9467% | 2,301 |
| Core capital (leverage) ratio | 10.6948% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8567% | 919 |
| Memoranda: | ||
| Average total assets | $214,475,000 | 2,833 |
| Average earning assets | $197,719,800 | 2,846 |
| Average equity | $22,517,000 | 2,973 |
| Average total loans | $153,512,000 | 2,629 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3317% | 74 |
| Cost of funding earning assets | 1.8614% | 25 |
| Net interest margin | 4.4703% | 407 |
| Noninterest income to average assets | 0.7215% | 1,732 |
| Noninterest expense to average assets | 2.7526% | 2,112 |
| Loan and lease loss provision to assets | 0.5267% | 542 |
| Net operating income to assets | 1.5629% | 791 |
| Return on assets (ROA) | 1.5517% | 885 |
| Pretax return on assets | 1.5517% | 1,323 |
| Return on Equity (ROE) | 14.9425% | 696 |
| Retained earnings to average equity (ytd only) | 5.6260% | 2,276 |
| Net charge-offs to loans | 0.6758% | 210 |
| Credit loss provision to net charge-offs | 109.1850% | 2,557 |
| Earnings coverage of net charge-offs (x) | 4.3312% | 2,835 |
| Efficiency ratio | 56.8445% | 3,814 |
| Assets per employee ($millions) | 3.1891% | 4,787 |
| Cash dividends to net income (ytd only)* | 62.3492% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,277 |
| Loan loss allowance to noncurrent loans | 79.3168% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 1,046 |
| Noncurrent loans to loans | 1.3694% | 1,067 |
| Net loans and leases to total assets | 72.2434% | 1,628 |
| Net loans and leases to deposits | 114.9486% | 160 |
| Net loans and leases to core deposits | 164.7712% | 72 |
| Total domestic deposits to total assets | 62.8484% | 4,904 |
| Equity capital to assets | 10.7148% | 2,609 |
| Core capital (leverage) ratio | 10.4156% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4419% | 980 |
| Memoranda: | ||
| Average total assets | $213,611,500 | 2,822 |
| Average earning assets | $196,908,250 | 2,837 |
| Average equity | $22,182,250 | 2,990 |
| Average total loans | $152,496,750 | 2,646 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3783% | 94 |
| Cost of funding earning assets | 1.9171% | 28 |
| Net interest margin | 4.4613% | 544 |
| Noninterest income to average assets | 0.7088% | 1,707 |
| Noninterest expense to average assets | 2.7510% | 2,211 |
| Loan and lease loss provision to assets | 0.6171% | 510 |
| Net operating income to assets | 1.4504% | 1,022 |
| Return on assets (ROA) | 1.4504% | 1,106 |
| Pretax return on assets | 1.4504% | 1,588 |
| Return on Equity (ROE) | 14.1171% | 861 |
| Retained earnings to average equity (ytd only) | 4.5477% | 2,683 |
| Net charge-offs to loans | 0.6437% | 247 |
| Credit loss provision to net charge-offs | 135.3183% | 2,203 |
| Earnings coverage of net charge-offs (x) | 4.5339% | 2,591 |
| Efficiency ratio | 57.0929% | 3,801 |
| Assets per employee ($millions) | 3.0336% | 4,847 |
| Cash dividends to net income (ytd only)* | 67.7857% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,604 |
| Loan loss allowance to noncurrent loans | 87.0155% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 1,141 |
| Noncurrent loans to loans | 1.3582% | 1,133 |
| Net loans and leases to total assets | 69.7213% | 2,073 |
| Net loans and leases to deposits | 110.1163% | 229 |
| Net loans and leases to core deposits | 151.4986% | 103 |
| Total domestic deposits to total assets | 63.3161% | 4,927 |
| Equity capital to assets | 10.4027% | 2,835 |
| Core capital (leverage) ratio | 9.8600% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3645% | 997 |
| Memoranda: | ||
| Average total assets | $213,592,667 | 2,805 |
| Average earning assets | $196,759,667 | 2,812 |
| Average equity | $21,945,000 | 2,995 |
| Average total loans | $151,310,333 | 2,646 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2514% | 117 |
| Cost of funding earning assets | 1.9340% | 46 |
| Net interest margin | 4.3173% | 734 |
| Noninterest income to average assets | 0.9234% | 1,017 |
| Noninterest expense to average assets | 2.8773% | 2,187 |
| Loan and lease loss provision to assets | 0.5773% | 484 |
| Net operating income to assets | 1.4443% | 890 |
| Return on assets (ROA) | 1.4443% | 964 |
| Pretax return on assets | 1.4443% | 1,449 |
| Return on Equity (ROE) | 14.1472% | 668 |
| Retained earnings to average equity (ytd only) | 7.6999% | 1,318 |
| Net charge-offs to loans | 0.7815% | 195 |
| Credit loss provision to net charge-offs | 104.0678% | 1,790 |
| Earnings coverage of net charge-offs (x) | 3.6441% | 2,194 |
| Efficiency ratio | 58.7332% | 3,907 |
| Assets per employee ($millions) | 3.0284% | 4,780 |
| Cash dividends to net income (ytd only)* | 45.5729% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,276 |
| Loan loss allowance to noncurrent loans | 76.6995% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 1,040 |
| Noncurrent loans to loans | 1.4184% | 1,121 |
| Net loans and leases to total assets | 68.2162% | 2,508 |
| Net loans and leases to deposits | 106.7200% | 267 |
| Net loans and leases to core deposits | 157.4952% | 88 |
| Total domestic deposits to total assets | 63.9207% | 4,992 |
| Equity capital to assets | 9.9274% | 3,853 |
| Core capital (leverage) ratio | 10.1542% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5763% | 1,058 |
| Memoranda: | ||
| Average total assets | $212,696,000 | 2,768 |
| Average earning assets | $195,861,000 | 2,773 |
| Average equity | $21,714,500 | 3,013 |
| Average total loans | $150,982,500 | 2,632 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1379% | 185 |
| Cost of funding earning assets | 2.0264% | 53 |
| Net interest margin | 4.1115% | 1,509 |
| Noninterest income to average assets | 0.8417% | 1,325 |
| Noninterest expense to average assets | 2.8081% | 2,573 |
| Loan and lease loss provision to assets | 0.6461% | 177 |
| Net operating income to assets | 1.1793% | 2,133 |
| Return on assets (ROA) | 1.1812% | 2,230 |
| Pretax return on assets | 1.1812% | 2,905 |
| Return on Equity (ROE) | 11.6824% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.5878% | 2,657 |
| Net charge-offs to loans | 0.8669% | 188 |
| Credit loss provision to net charge-offs | 104.2438% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.9452% | 3,366 |
| Efficiency ratio | 60.6048% | 3,605 |
| Assets per employee ($millions) | 2.9621% | 4,845 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,095 |
| Loan loss allowance to noncurrent loans | 62.7512% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 761 |
| Noncurrent loans to loans | 1.7072% | 809 |
| Net loans and leases to total assets | 72.3246% | 2,037 |
| Net loans and leases to deposits | 106.8896% | 265 |
| Net loans and leases to core deposits | 162.0998% | 78 |
| Total domestic deposits to total assets | 67.6629% | 4,993 |
| Equity capital to assets | 10.5054% | 3,440 |
| Core capital (leverage) ratio | 10.2576% | 3,233 |
| Tier 1 risk-based capital ratio | 16.9262% | 2,072 |
| Total risk-based capital ratio | 18.1767% | 2,023 |
| Memoranda: | ||
| Average total assets | $209,109,200 | 2,766 |
| Average earning assets | $192,850,200 | 2,774 |
| Average equity | $21,143,000 | 3,027 |
| Average total loans | $149,506,600 | 2,624 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 217 |
| Cost of funding earning assets | 2.0390% | 57 |
| Net interest margin | 4.0110% | 1,899 |
| Noninterest income to average assets | 0.7871% | 1,460 |
| Noninterest expense to average assets | 2.7830% | 2,610 |
| Loan and lease loss provision to assets | 0.5077% | 239 |
| Net operating income to assets | 1.1962% | 2,203 |
| Return on assets (ROA) | 1.1975% | 2,280 |
| Pretax return on assets | 1.1975% | 2,989 |
| Return on Equity (ROE) | 11.9586% | 1,637 |
| Retained earnings to average equity (ytd only) | 2.4273% | 4,130 |
| Net charge-offs to loans | 0.6819% | 233 |
| Credit loss provision to net charge-offs | 104.7244% | 2,167 |
| Earnings coverage of net charge-offs (x) | 3.5145% | 3,094 |
| Efficiency ratio | 62.0250% | 3,321 |
| Assets per employee ($millions) | 2.8499% | 4,954 |
| Cash dividends to net income (ytd only)* | 79.7025% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,189 |
| Loan loss allowance to noncurrent loans | 58.7697% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5286% | 713 |
| Noncurrent loans to loans | 1.8160% | 784 |
| Net loans and leases to total assets | 73.5287% | 1,915 |
| Net loans and leases to deposits | 108.3328% | 257 |
| Net loans and leases to core deposits | 157.7875% | 97 |
| Total domestic deposits to total assets | 67.8730% | 5,062 |
| Equity capital to assets | 10.5326% | 3,516 |
| Core capital (leverage) ratio | 10.1988% | 3,426 |
| Tier 1 risk-based capital ratio | 16.5099% | 2,267 |
| Total risk-based capital ratio | 17.7606% | 2,199 |
| Memoranda: | ||
| Average total assets | $209,549,000 | 2,784 |
| Average earning assets | $193,296,250 | 2,787 |
| Average equity | $20,983,000 | 3,065 |
| Average total loans | $148,986,000 | 2,657 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 298 |
| Cost of funding earning assets | 2.0279% | 51 |
| Net interest margin | 3.8453% | 2,420 |
| Noninterest income to average assets | 0.7851% | 1,396 |
| Noninterest expense to average assets | 2.7478% | 2,759 |
| Loan and lease loss provision to assets | 0.3925% | 312 |
| Net operating income to assets | 1.1946% | 2,167 |
| Return on assets (ROA) | 1.1965% | 2,223 |
| Pretax return on assets | 1.1965% | 2,917 |
| Return on Equity (ROE) | 12.1495% | 1,521 |
| Retained earnings to average equity (ytd only) | 2.5679% | 3,912 |
| Net charge-offs to loans | 0.5009% | 313 |
| Credit loss provision to net charge-offs | 111.8280% | 1,828 |
| Earnings coverage of net charge-offs (x) | 4.5215% | 2,733 |
| Efficiency ratio | 63.3870% | 3,231 |
| Assets per employee ($millions) | 2.7989% | 5,014 |
| Cash dividends to net income (ytd only)* | 78.8644% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,128 |
| Loan loss allowance to noncurrent loans | 48.1062% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.8435% | 532 |
| Noncurrent loans to loans | 2.2639% | 586 |
| Net loans and leases to total assets | 72.6949% | 2,119 |
| Net loans and leases to deposits | 106.7390% | 311 |
| Net loans and leases to core deposits | 155.6576% | 106 |
| Total domestic deposits to total assets | 68.1052% | 5,101 |
| Equity capital to assets | 10.4511% | 3,558 |
| Core capital (leverage) ratio | 9.8694% | 3,739 |
| Tier 1 risk-based capital ratio | 16.5911% | 2,204 |
| Total risk-based capital ratio | 17.8420% | 2,156 |
| Memoranda: | ||
| Average total assets | $211,950,670 | 2,759 |
| Average earning assets | $195,667,330 | 2,776 |
| Average equity | $20,873,330 | 3,066 |
| Average total loans | $148,519,330 | 2,672 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6984% | 365 |
| Cost of funding earning assets | 1.9619% | 62 |
| Net interest margin | 3.7365% | 2,758 |
| Noninterest income to average assets | 0.7883% | 1,321 |
| Noninterest expense to average assets | 2.7205% | 2,845 |
| Loan and lease loss provision to assets | 0.3702% | 314 |
| Net operating income to assets | 1.1493% | 2,274 |
| Return on assets (ROA) | 1.1493% | 2,323 |
| Pretax return on assets | 1.1493% | 2,979 |
| Return on Equity (ROE) | 12.0118% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.0118% | 605 |
| Net charge-offs to loans | 0.4787% | 316 |
| Credit loss provision to net charge-offs | 112.9213% | 1,473 |
| Earnings coverage of net charge-offs (x) | 4.6348% | 2,313 |
| Efficiency ratio | 64.1616% | 3,215 |
| Assets per employee ($millions) | 3.1115% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,258 |
| Loan loss allowance to noncurrent loans | 48.3156% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 647 |
| Noncurrent loans to loans | 2.2265% | 634 |
| Net loans and leases to total assets | 68.1890% | 2,735 |
| Net loans and leases to deposits | 97.6612% | 818 |
| Net loans and leases to core deposits | 149.9775% | 125 |
| Total domestic deposits to total assets | 69.8220% | 5,119 |
| Equity capital to assets | 9.8688% | 3,946 |
| Core capital (leverage) ratio | 9.6284% | 3,999 |
| Tier 1 risk-based capital ratio | 16.8686% | 2,146 |
| Total risk-based capital ratio | 18.1194% | 2,098 |
| Memoranda: | ||
| Average total assets | $217,166,500 | 2,741 |
| Average earning assets | $200,617,000 | 2,757 |
| Average equity | $20,779,500 | 3,086 |
| Average total loans | $148,725,500 | 2,704 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7509% | 253 |
| Cost of funding earning assets | 1.8356% | 23 |
| Net interest margin | 3.9152% | 2,283 |
| Noninterest income to average assets | 0.8376% | 1,344 |
| Noninterest expense to average assets | 2.5919% | 3,361 |
| Loan and lease loss provision to assets | 0.9012% | 105 |
| Net operating income to assets | 0.9609% | 3,175 |
| Return on assets (ROA) | 0.9643% | 3,160 |
| Pretax return on assets | 0.9643% | 3,716 |
| Return on Equity (ROE) | 10.3506% | 2,369 |
| Retained earnings to average equity (ytd only) | 5.2568% | 2,622 |
| Net charge-offs to loans | 0.7100% | 225 |
| Credit loss provision to net charge-offs | 189.5210% | 1,508 |
| Earnings coverage of net charge-offs (x) | 3.9162% | 3,365 |
| Efficiency ratio | 58.1931% | 4,134 |
| Assets per employee ($millions) | 3.2300% | 4,799 |
| Cash dividends to net income (ytd only)* | 49.2126% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,385 |
| Loan loss allowance to noncurrent loans | 56.5813% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 812 |
| Noncurrent loans to loans | 1.8553% | 753 |
| Net loans and leases to total assets | 67.3343% | 2,961 |
| Net loans and leases to deposits | 95.1624% | 1,155 |
| Net loans and leases to core deposits | 145.6982% | 160 |
| Total domestic deposits to total assets | 70.7572% | 5,130 |
| Equity capital to assets | 9.2748% | 4,346 |
| Core capital (leverage) ratio | 9.2656% | 4,383 |
| Tier 1 risk-based capital ratio | 16.1640% | 2,353 |
| Total risk-based capital ratio | 17.4142% | 2,298 |
| Memoranda: | ||
| Average total assets | $210,729,400 | 2,758 |
| Average earning assets | $194,649,200 | 2,769 |
| Average equity | $19,631,800 | 3,119 |
| Average total loans | $141,131,600 | 2,757 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 257 |
| Cost of funding earning assets | 1.7762% | 19 |
| Net interest margin | 3.9257% | 2,215 |
| Noninterest income to average assets | 0.8447% | 1,344 |
| Noninterest expense to average assets | 2.5994% | 3,279 |
| Loan and lease loss provision to assets | 0.5173% | 213 |
| Net operating income to assets | 1.3531% | 1,649 |
| Return on assets (ROA) | 1.3576% | 1,641 |
| Pretax return on assets | 1.3576% | 2,392 |
| Return on Equity (ROE) | 14.5555% | 968 |
| Retained earnings to average equity (ytd only) | 7.6994% | 1,792 |
| Net charge-offs to loans | 0.5312% | 283 |
| Credit loss provision to net charge-offs | 146.0289% | 1,746 |
| Earnings coverage of net charge-offs (x) | 5.2798% | 2,968 |
| Efficiency ratio | 58.1545% | 4,095 |
| Assets per employee ($millions) | 3.3941% | 4,689 |
| Cash dividends to net income (ytd only)* | 47.1031% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 5,016 |
| Loan loss allowance to noncurrent loans | 33.6414% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 1,026 |
| Noncurrent loans to loans | 1.8283% | 838 |
| Net loans and leases to total assets | 67.6910% | 2,985 |
| Net loans and leases to deposits | 96.0149% | 1,155 |
| Net loans and leases to core deposits | 142.5106% | 192 |
| Total domestic deposits to total assets | 70.5005% | 5,195 |
| Equity capital to assets | 9.0602% | 4,497 |
| Core capital (leverage) ratio | 9.0698% | 4,639 |
| Tier 1 risk-based capital ratio | 16.0403% | 2,436 |
| Total risk-based capital ratio | 16.7864% | 2,569 |
| Memoranda: | ||
| Average total assets | $208,502,500 | 2,806 |
| Average earning assets | $192,537,000 | 2,815 |
| Average equity | $19,447,000 | 3,158 |
| Average total loans | $139,049,500 | 2,799 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 288 |
| Cost of funding earning assets | 1.6969% | 18 |
| Net interest margin | 3.8800% | 2,277 |
| Noninterest income to average assets | 0.8181% | 1,417 |
| Noninterest expense to average assets | 2.6041% | 3,313 |
| Loan and lease loss provision to assets | 0.4407% | 264 |
| Net operating income to assets | 1.3522% | 1,598 |
| Return on assets (ROA) | 1.3590% | 1,576 |
| Pretax return on assets | 1.3590% | 2,296 |
| Return on Equity (ROE) | 14.4251% | 979 |
| Retained earnings to average equity (ytd only) | 7.7134% | 1,749 |
| Net charge-offs to loans | 0.4644% | 328 |
| Credit loss provision to net charge-offs | 143.3544% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.8323% | 2,681 |
| Efficiency ratio | 59.2257% | 4,050 |
| Assets per employee ($millions) | 3.4294% | 4,688 |
| Cash dividends to net income (ytd only)* | 46.5283% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5309% | 5,219 |
| Loan loss allowance to noncurrent loans | 28.4577% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.6108% | 791 |
| Noncurrent loans to loans | 1.8656% | 824 |
| Net loans and leases to total assets | 66.1774% | 3,123 |
| Net loans and leases to deposits | 94.7694% | 1,274 |
| Net loans and leases to core deposits | 143.1185% | 170 |
| Total domestic deposits to total assets | 69.8299% | 5,284 |
| Equity capital to assets | 9.1656% | 4,418 |
| Core capital (leverage) ratio | 9.2340% | 4,436 |
| Tier 1 risk-based capital ratio | 16.2711% | 2,344 |
| Total risk-based capital ratio | 16.9079% | 2,511 |
| Memoranda: | ||
| Average total assets | $205,595,330 | 2,849 |
| Average earning assets | $189,638,330 | 2,857 |
| Average equity | $19,369,000 | 3,187 |
| Average total loans | $136,082,330 | 2,841 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 284 |
| Cost of funding earning assets | 1.6208% | 19 |
| Net interest margin | 3.8608% | 2,193 |
| Noninterest income to average assets | 0.8432% | 1,323 |
| Noninterest expense to average assets | 2.5970% | 3,339 |
| Loan and lease loss provision to assets | 0.3563% | 339 |
| Net operating income to assets | 1.4450% | 1,208 |
| Return on assets (ROA) | 1.4529% | 1,193 |
| Pretax return on assets | 1.4529% | 1,828 |
| Return on Equity (ROE) | 15.2050% | 772 |
| Retained earnings to average equity (ytd only) | 15.2050% | 315 |
| Net charge-offs to loans | 0.4378% | 345 |
| Credit loss provision to net charge-offs | 123.2877% | 1,366 |
| Earnings coverage of net charge-offs (x) | 6.2329% | 2,170 |
| Efficiency ratio | 59.0459% | 4,210 |
| Assets per employee ($millions) | 3.7809% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 5,331 |
| Loan loss allowance to noncurrent loans | 24.4396% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 838 |
| Noncurrent loans to loans | 2.0516% | 767 |
| Net loans and leases to total assets | 65.7026% | 3,086 |
| Net loans and leases to deposits | 95.3689% | 1,088 |
| Net loans and leases to core deposits | 155.8425% | 98 |
| Total domestic deposits to total assets | 68.8931% | 5,394 |
| Equity capital to assets | 9.5828% | 4,011 |
| Core capital (leverage) ratio | 9.6324% | 3,927 |
| Tier 1 risk-based capital ratio | 17.0030% | 2,117 |
| Total risk-based capital ratio | 17.6025% | 2,280 |
| Memoranda: | ||
| Average total assets | $202,082,500 | 2,916 |
| Average earning assets | $186,075,500 | 2,930 |
| Average equity | $19,309,500 | 3,220 |
| Average total loans | $133,394,500 | 2,895 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 287 |
| Cost of funding earning assets | 1.5040% | 24 |
| Net interest margin | 3.9487% | 1,920 |
| Noninterest income to average assets | 0.6894% | 2,010 |
| Noninterest expense to average assets | 2.4860% | 3,834 |
| Loan and lease loss provision to assets | 0.3045% | 566 |
| Net operating income to assets | 1.5614% | 701 |
| Return on assets (ROA) | 1.5562% | 722 |
| Pretax return on assets | 1.5562% | 1,430 |
| Return on Equity (ROE) | 16.0994% | 470 |
| Retained earnings to average equity (ytd only) | 7.8161% | 823 |
| Net charge-offs to loans | 0.4116% | 607 |
| Credit loss provision to net charge-offs | 114.3984% | 2,291 |
| Earnings coverage of net charge-offs (x) | 7.0099% | 3,106 |
| Efficiency ratio | 57.1239% | 4,633 |
| Assets per employee ($millions) | 3.6363% | 4,525 |
| Cash dividends to net income (ytd only)* | 51.4507% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 5,374 |
| Loan loss allowance to noncurrent loans | 25.0466% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.5280% | 887 |
| Noncurrent loans to loans | 2.0330% | 744 |
| Net loans and leases to total assets | 65.6497% | 3,146 |
| Net loans and leases to deposits | 94.5556% | 1,212 |
| Net loans and leases to core deposits | 170.6188% | 63 |
| Total domestic deposits to total assets | 69.4297% | 5,426 |
| Equity capital to assets | 9.5271% | 4,211 |
| Core capital (leverage) ratio | 9.3207% | 4,261 |
| Tier 1 risk-based capital ratio | 16.6096% | 2,226 |
| Total risk-based capital ratio | 17.2149% | 2,384 |
| Memoranda: | ||
| Average total assets | $190,468,600 | 3,013 |
| Average earning assets | $176,665,400 | 2,995 |
| Average equity | $18,410,600 | 3,314 |
| Average total loans | $123,169,800 | 3,012 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 309 |
| Cost of funding earning assets | 1.4810% | 21 |
| Net interest margin | 3.8953% | 2,060 |
| Noninterest income to average assets | 0.7429% | 1,818 |
| Noninterest expense to average assets | 2.4371% | 3,925 |
| Loan and lease loss provision to assets | 0.3956% | 345 |
| Net operating income to assets | 1.5255% | 850 |
| Return on assets (ROA) | 1.5184% | 886 |
| Pretax return on assets | 1.5184% | 1,711 |
| Return on Equity (ROE) | 15.6491% | 566 |
| Retained earnings to average equity (ytd only) | 8.5259% | 1,004 |
| Net charge-offs to loans | 0.4089% | 515 |
| Credit loss provision to net charge-offs | 150.4043% | 1,687 |
| Earnings coverage of net charge-offs (x) | 7.3046% | 2,891 |
| Efficiency ratio | 55.9206% | 4,751 |
| Assets per employee ($millions) | 3.8297% | 4,264 |
| Cash dividends to net income (ytd only)* | 45.5183% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4822% | 5,490 |
| Loan loss allowance to noncurrent loans | 30.7882% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 1,307 |
| Noncurrent loans to loans | 1.5661% | 1,185 |
| Net loans and leases to total assets | 66.0475% | 3,096 |
| Net loans and leases to deposits | 96.4580% | 1,070 |
| Net loans and leases to core deposits | 181.6850% | 51 |
| Total domestic deposits to total assets | 68.4728% | 5,521 |
| Equity capital to assets | 9.7310% | 4,218 |
| Core capital (leverage) ratio | 9.4753% | 4,196 |
| Tier 1 risk-based capital ratio | 17.1018% | 2,129 |
| Total risk-based capital ratio | 17.6901% | 2,293 |
| Memoranda: | ||
| Average total assets | $188,086,250 | 3,067 |
| Average earning assets | $174,564,000 | 3,045 |
| Average equity | $18,249,750 | 3,362 |
| Average total loans | $120,969,750 | 3,067 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 359 |
| Cost of funding earning assets | 1.4591% | 22 |
| Net interest margin | 3.7955% | 2,304 |
| Noninterest income to average assets | 0.7131% | 1,930 |
| Noninterest expense to average assets | 2.4031% | 4,043 |
| Loan and lease loss provision to assets | 0.4029% | 324 |
| Net operating income to assets | 1.4347% | 990 |
| Return on assets (ROA) | 1.4347% | 1,018 |
| Pretax return on assets | 1.4347% | 1,877 |
| Return on Equity (ROE) | 14.8019% | 693 |
| Retained earnings to average equity (ytd only) | 8.4122% | 1,028 |
| Net charge-offs to loans | 0.5064% | 385 |
| Credit loss provision to net charge-offs | 125.0836% | 1,725 |
| Earnings coverage of net charge-offs (x) | 5.7057% | 2,797 |
| Efficiency ratio | 56.6675% | 4,746 |
| Assets per employee ($millions) | 3.8062% | 4,270 |
| Cash dividends to net income (ytd only)* | 43.1682% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4587% | 5,560 |
| Loan loss allowance to noncurrent loans | 30.8655% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 1,493 |
| Noncurrent loans to loans | 1.4861% | 1,267 |
| Net loans and leases to total assets | 64.6568% | 3,295 |
| Net loans and leases to deposits | 95.3861% | 1,129 |
| Net loans and leases to core deposits | 176.0332% | 60 |
| Total domestic deposits to total assets | 67.7843% | 5,600 |
| Equity capital to assets | 9.7892% | 4,130 |
| Core capital (leverage) ratio | 9.5345% | 4,096 |
| Tier 1 risk-based capital ratio | 17.6638% | 1,956 |
| Total risk-based capital ratio | 18.2278% | 2,115 |
| Memoranda: | ||
| Average total assets | $185,677,000 | 3,098 |
| Average earning assets | $172,572,000 | 3,078 |
| Average equity | $17,997,670 | 3,393 |
| Average total loans | $118,084,670 | 3,121 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 410 |
| Cost of funding earning assets | 1.4442% | 22 |
| Net interest margin | 3.7075% | 2,462 |
| Noninterest income to average assets | 0.7090% | 1,923 |
| Noninterest expense to average assets | 2.4476% | 3,973 |
| Loan and lease loss provision to assets | 0.1963% | 845 |
| Net operating income to assets | 1.5205% | 779 |
| Return on assets (ROA) | 1.5205% | 805 |
| Pretax return on assets | 1.5205% | 1,471 |
| Return on Equity (ROE) | 15.7679% | 558 |
| Retained earnings to average equity (ytd only) | 7.2844% | 1,758 |
| Net charge-offs to loans | 0.6868% | 257 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 3.9747% | 2,433 |
| Efficiency ratio | 58.7742% | 4,620 |
| Assets per employee ($millions) | 3.9786% | 4,050 |
| Cash dividends to net income (ytd only)* | 53.8020% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3406% | 5,725 |
| Loan loss allowance to noncurrent loans | 21.7720% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 1,449 |
| Noncurrent loans to loans | 1.5643% | 1,255 |
| Net loans and leases to total assets | 61.7504% | 3,574 |
| Net loans and leases to deposits | 90.6475% | 1,465 |
| Net loans and leases to core deposits | 170.3370% | 59 |
| Total domestic deposits to total assets | 68.1215% | 5,674 |
| Equity capital to assets | 9.3857% | 4,403 |
| Core capital (leverage) ratio | 9.5291% | 4,087 |
| Tier 1 risk-based capital ratio | 17.8651% | 1,921 |
| Total risk-based capital ratio | 18.2806% | 2,127 |
| Memoranda: | ||
| Average total assets | $183,360,000 | 3,147 |
| Average earning assets | $170,895,500 | 3,123 |
| Average equity | $17,681,500 | 3,456 |
| Average total loans | $115,319,000 | 3,179 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 281 |
| Cost of funding earning assets | 1.5111% | 17 |
| Net interest margin | 3.9100% | 1,932 |
| Noninterest income to average assets | 0.7300% | 2,036 |
| Noninterest expense to average assets | 2.5480% | 3,850 |
| Loan and lease loss provision to assets | 0.1689% | 1,447 |
| Net operating income to assets | 1.6308% | 636 |
| Return on assets (ROA) | 1.6472% | 640 |
| Pretax return on assets | 1.6472% | 1,147 |
| Return on Equity (ROE) | 15.0210% | 624 |
| Retained earnings to average equity (ytd only) | 8.4102% | 733 |
| Net charge-offs to loans | 0.1632% | 1,649 |
| Credit loss provision to net charge-offs | 165.4321% | 1,678 |
| Earnings coverage of net charge-offs (x) | 17.6235% | 2,028 |
| Efficiency ratio | 58.6052% | 4,775 |
| Assets per employee ($millions) | 3.7393% | 4,410 |
| Cash dividends to net income (ytd only)* | 44.0107% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 5,655 |
| Loan loss allowance to noncurrent loans | 29.0405% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 1,304 |
| Noncurrent loans to loans | 1.7354% | 1,106 |
| Net loans and leases to total assets | 63.5814% | 3,408 |
| Net loans and leases to deposits | 96.9310% | 915 |
| Net loans and leases to core deposits | 178.3380% | 50 |
| Total domestic deposits to total assets | 65.5945% | 5,764 |
| Equity capital to assets | 9.9227% | 3,797 |
| Core capital (leverage) ratio | 9.9407% | 3,569 |
| Tier 1 risk-based capital ratio | 18.5139% | 1,723 |
| Total risk-based capital ratio | 19.1302% | 1,842 |
| Memoranda: | ||
| Average total assets | $158,635,800 | 3,411 |
| Average earning assets | $146,776,200 | 3,407 |
| Average equity | $17,395,600 | 3,499 |
| Average total loans | $99,251,000 | 3,400 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 277 |
| Cost of funding earning assets | 1.4758% | 19 |
| Net interest margin | 3.9690% | 1,754 |
| Noninterest income to average assets | 0.7316% | 2,038 |
| Noninterest expense to average assets | 2.6233% | 3,588 |
| Loan and lease loss provision to assets | 0.1520% | 1,540 |
| Net operating income to assets | 1.6222% | 697 |
| Return on assets (ROA) | 1.6386% | 706 |
| Pretax return on assets | 1.6386% | 1,277 |
| Return on Equity (ROE) | 14.5488% | 731 |
| Retained earnings to average equity (ytd only) | 11.8645% | 322 |
| Net charge-offs to loans | 0.1722% | 1,335 |
| Credit loss provision to net charge-offs | 141.9355% | 1,845 |
| Earnings coverage of net charge-offs (x) | 16.5644% | 2,104 |
| Efficiency ratio | 59.6543% | 4,593 |
| Assets per employee ($millions) | 3.5690% | 4,690 |
| Cash dividends to net income (ytd only)* | 18.4504% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5080% | 5,724 |
| Loan loss allowance to noncurrent loans | 31.9785% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 1,498 |
| Noncurrent loans to loans | 1.5885% | 1,363 |
| Net loans and leases to total assets | 65.2425% | 3,244 |
| Net loans and leases to deposits | 108.6229% | 288 |
| Net loans and leases to core deposits | 180.3260% | 55 |
| Total domestic deposits to total assets | 60.0633% | 5,890 |
| Equity capital to assets | 11.3752% | 2,626 |
| Core capital (leverage) ratio | 11.2217% | 2,252 |
| Tier 1 risk-based capital ratio | 19.7007% | 1,501 |
| Total risk-based capital ratio | 20.3175% | 1,612 |
| Memoranda: | ||
| Average total assets | $154,357,750 | 3,473 |
| Average earning assets | $142,567,500 | 3,481 |
| Average equity | $17,384,750 | 3,525 |
| Average total loans | $95,986,500 | 3,474 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 298 |
| Cost of funding earning assets | 1.4980% | 17 |
| Net interest margin | 3.8999% | 1,978 |
| Noninterest income to average assets | 0.7171% | 2,062 |
| Noninterest expense to average assets | 2.6058% | 3,703 |
| Loan and lease loss provision to assets | 0.1195% | 1,906 |
| Net operating income to assets | 1.5958% | 732 |
| Return on assets (ROA) | 1.6089% | 757 |
| Pretax return on assets | 1.6089% | 1,349 |
| Return on Equity (ROE) | 14.3359% | 780 |
| Retained earnings to average equity (ytd only) | 11.9953% | 326 |
| Net charge-offs to loans | 0.1314% | 1,539 |
| Credit loss provision to net charge-offs | 149.1803% | 1,599 |
| Earnings coverage of net charge-offs (x) | 21.4098% | 1,682 |
| Efficiency ratio | 60.3040% | 4,603 |
| Assets per employee ($millions) | 3.2487% | 5,138 |
| Cash dividends to net income (ytd only)* | 16.3265% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4908% | 5,806 |
| Loan loss allowance to noncurrent loans | 28.8703% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 1,546 |
| Noncurrent loans to loans | 1.7001% | 1,249 |
| Net loans and leases to total assets | 64.1321% | 3,344 |
| Net loans and leases to deposits | 109.7965% | 261 |
| Net loans and leases to core deposits | 174.5024% | 60 |
| Total domestic deposits to total assets | 58.4100% | 5,983 |
| Equity capital to assets | 11.6244% | 2,422 |
| Core capital (leverage) ratio | 10.9743% | 2,456 |
| Tier 1 risk-based capital ratio | 20.5030% | 1,346 |
| Total risk-based capital ratio | 21.1009% | 1,454 |
| Memoranda: | ||
| Average total assets | $152,275,670 | 3,522 |
| Average earning assets | $140,720,330 | 3,528 |
| Average equity | $17,090,000 | 3,580 |
| Average total loans | $92,876,330 | 3,551 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 364 |
| Cost of funding earning assets | 1.4420% | 22 |
| Net interest margin | 3.8406% | 2,142 |
| Noninterest income to average assets | 0.7312% | 1,897 |
| Noninterest expense to average assets | 2.6014% | 3,747 |
| Loan and lease loss provision to assets | 0.1078% | 1,910 |
| Net operating income to assets | 1.5809% | 730 |
| Return on assets (ROA) | 1.6019% | 741 |
| Pretax return on assets | 1.6019% | 1,288 |
| Return on Equity (ROE) | 14.5342% | 740 |
| Retained earnings to average equity (ytd only) | 14.5342% | 281 |
| Net charge-offs to loans | -0.0089% | 4,472 |
| Credit loss provision to net charge-offs | -2,050.0000% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6376% | 4,661 |
| Assets per employee ($millions) | 3.3690% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5567% | 5,811 |
| Loan loss allowance to noncurrent loans | 42.1913% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 2,198 |
| Noncurrent loans to loans | 1.3196% | 1,809 |
| Net loans and leases to total assets | 60.7939% | 3,677 |
| Net loans and leases to deposits | 101.1790% | 554 |
| Net loans and leases to core deposits | 164.1776% | 73 |
| Total domestic deposits to total assets | 60.0855% | 6,035 |
| Equity capital to assets | 11.3025% | 2,625 |
| Core capital (leverage) ratio | 10.6949% | 2,737 |
| Tier 1 risk-based capital ratio | 21.1475% | 1,294 |
| Total risk-based capital ratio | 21.8232% | 1,368 |
| Memoranda: | ||
| Average total assets | $152,069,500 | 3,554 |
| Average earning assets | $140,917,000 | 3,542 |
| Average equity | $16,760,500 | 3,622 |
| Average total loans | $90,112,000 | 3,616 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1476% | 472 |
| Cost of funding earning assets | 1.3159% | 33 |
| Net interest margin | 3.8317% | 2,269 |
| Noninterest income to average assets | 0.6935% | 2,234 |
| Noninterest expense to average assets | 2.5014% | 4,219 |
| Loan and lease loss provision to assets | 0.1235% | 1,946 |
| Net operating income to assets | 1.6318% | 658 |
| Return on assets (ROA) | 1.6420% | 662 |
| Pretax return on assets | 1.6420% | 1,132 |
| Return on Equity (ROE) | 15.9519% | 557 |
| Retained earnings to average equity (ytd only) | 15.9519% | 115 |
| Net charge-offs to loans | 0.2215% | 1,335 |
| Credit loss provision to net charge-offs | 105.1724% | 2,389 |
| Earnings coverage of net charge-offs (x) | 14.9540% | 2,245 |
| Efficiency ratio | 58.7639% | 5,055 |
| Assets per employee ($millions) | 3.5473% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 5,893 |
| Loan loss allowance to noncurrent loans | 43.3735% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 2,399 |
| Noncurrent loans to loans | 1.2326% | 1,915 |
| Net loans and leases to total assets | 57.0846% | 4,188 |
| Net loans and leases to deposits | 90.1723% | 1,590 |
| Net loans and leases to core deposits | 154.5921% | 94 |
| Total domestic deposits to total assets | 63.3061% | 6,056 |
| Equity capital to assets | 10.7425% | 3,086 |
| Core capital (leverage) ratio | 10.3246% | 3,131 |
| Tier 1 risk-based capital ratio | 21.1343% | 1,271 |
| Total risk-based capital ratio | 21.7708% | 1,352 |
| Memoranda: | ||
| Average total assets | $148,237,800 | 3,597 |
| Average earning assets | $137,851,600 | 3,565 |
| Average equity | $15,258,400 | 3,787 |
| Average total loans | $78,558,400 | 3,874 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 527 |
| Cost of funding earning assets | 1.2986% | 38 |
| Net interest margin | 3.7904% | 2,423 |
| Noninterest income to average assets | 0.6822% | 2,318 |
| Noninterest expense to average assets | 2.4299% | 4,416 |
| Loan and lease loss provision to assets | 0.1241% | 1,832 |
| Net operating income to assets | 1.6534% | 682 |
| Return on assets (ROA) | 1.6580% | 700 |
| Pretax return on assets | 1.6580% | 1,217 |
| Return on Equity (ROE) | 16.2918% | 555 |
| Retained earnings to average equity (ytd only) | 16.2918% | 123 |
| Net charge-offs to loans | 0.1520% | 1,619 |
| Credit loss provision to net charge-offs | 157.4713% | 1,616 |
| Earnings coverage of net charge-offs (x) | 22.5511% | 1,773 |
| Efficiency ratio | 57.7519% | 5,152 |
| Assets per employee ($millions) | 3.4326% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5599% | 5,950 |
| Loan loss allowance to noncurrent loans | 33.7159% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 2,548 |
| Noncurrent loans to loans | 1.6607% | 1,474 |
| Net loans and leases to total assets | 55.2650% | 4,432 |
| Net loans and leases to deposits | 86.7653% | 2,057 |
| Net loans and leases to core deposits | 148.1251% | 116 |
| Total domestic deposits to total assets | 63.6947% | 6,134 |
| Equity capital to assets | 10.3657% | 3,738 |
| Core capital (leverage) ratio | 9.8875% | 3,782 |
| Tier 1 risk-based capital ratio | 21.0239% | 1,338 |
| Total risk-based capital ratio | 21.6855% | 1,414 |
| Memoranda: | ||
| Average total assets | $147,163,500 | 3,645 |
| Average earning assets | $136,867,250 | 3,613 |
| Average equity | $14,976,500 | 3,878 |
| Average total loans | $76,312,500 | 3,967 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 584 |
| Cost of funding earning assets | 1.2667% | 43 |
| Net interest margin | 3.7428% | 2,534 |
| Noninterest income to average assets | 0.6650% | 2,389 |
| Noninterest expense to average assets | 2.3692% | 4,659 |
| Loan and lease loss provision to assets | 0.1248% | 1,775 |
| Net operating income to assets | 1.6590% | 672 |
| Return on assets (ROA) | 1.6631% | 694 |
| Pretax return on assets | 1.6631% | 1,162 |
| Return on Equity (ROE) | 16.4475% | 554 |
| Retained earnings to average equity (ytd only) | 16.4475% | 141 |
| Net charge-offs to loans | 0.1274% | 1,738 |
| Credit loss provision to net charge-offs | 193.6170% | 1,269 |
| Earnings coverage of net charge-offs (x) | 27.6809% | 1,445 |
| Efficiency ratio | 57.0485% | 5,334 |
| Assets per employee ($millions) | 3.7207% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 5,993 |
| Loan loss allowance to noncurrent loans | 36.9775% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 2,842 |
| Noncurrent loans to loans | 1.5884% | 1,652 |
| Net loans and leases to total assets | 51.0387% | 4,844 |
| Net loans and leases to deposits | 77.8333% | 3,052 |
| Net loans and leases to core deposits | 140.9876% | 162 |
| Total domestic deposits to total assets | 65.5743% | 6,180 |
| Equity capital to assets | 9.8231% | 4,248 |
| Core capital (leverage) ratio | 9.7768% | 3,901 |
| Tier 1 risk-based capital ratio | 21.2358% | 1,317 |
| Total risk-based capital ratio | 21.9180% | 1,398 |
| Memoranda: | ||
| Average total assets | $145,872,670 | 3,695 |
| Average earning assets | $135,940,670 | 3,664 |
| Average equity | $14,750,000 | 3,930 |
| Average total loans | $73,770,000 | 4,063 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 615 |
| Cost of funding earning assets | 1.2896% | 41 |
| Net interest margin | 3.6704% | 2,732 |
| Noninterest income to average assets | 0.6006% | 2,650 |
| Noninterest expense to average assets | 2.2535% | 4,991 |
| Loan and lease loss provision to assets | 0.1263% | 1,639 |
| Net operating income to assets | 1.6473% | 660 |
| Return on assets (ROA) | 1.6473% | 687 |
| Pretax return on assets | 1.6473% | 1,161 |
| Return on Equity (ROE) | 16.0465% | 565 |
| Retained earnings to average equity (ytd only) | 16.0465% | 217 |
| Net charge-offs to loans | 0.0504% | 2,284 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 70.2222% | 643 |
| Efficiency ratio | 55.9582% | 5,517 |
| Assets per employee ($millions) | 3.5163% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 5,984 |
| Loan loss allowance to noncurrent loans | 53.8895% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 3,429 |
| Noncurrent loans to loans | 1.2095% | 2,352 |
| Net loans and leases to total assets | 50.5386% | 4,789 |
| Net loans and leases to deposits | 81.4035% | 2,393 |
| Net loans and leases to core deposits | 135.9981% | 184 |
| Total domestic deposits to total assets | 62.0841% | 6,303 |
| Equity capital to assets | 10.3892% | 3,667 |
| Core capital (leverage) ratio | 9.7366% | 3,975 |
| Tier 1 risk-based capital ratio | 22.0496% | 1,236 |
| Total risk-based capital ratio | 22.8193% | 1,279 |
| Memoranda: | ||
| Average total assets | $142,534,500 | 3,765 |
| Average earning assets | $133,063,000 | 3,735 |
| Average equity | $14,632,500 | 3,972 |
| Average total loans | $71,495,500 | 4,146 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 764 |
| Cost of funding earning assets | 1.4664% | 32 |
| Net interest margin | 3.5378% | 3,648 |
| Noninterest income to average assets | 0.5816% | 2,975 |
| Noninterest expense to average assets | 2.4244% | 4,778 |
| Loan and lease loss provision to assets | 0.0525% | 3,506 |
| Net operating income to assets | 1.4134% | 1,056 |
| Return on assets (ROA) | 1.4149% | 1,079 |
| Pretax return on assets | 1.4149% | 1,834 |
| Return on Equity (ROE) | 14.4398% | 856 |
| Retained earnings to average equity (ytd only) | 11.7629% | 316 |
| Net charge-offs to loans | 0.0642% | 3,569 |
| Credit loss provision to net charge-offs | 170.7317% | 1,425 |
| Earnings coverage of net charge-offs (x) | 47.7073% | 962 |
| Efficiency ratio | 62.3194% | 4,862 |
| Assets per employee ($millions) | 3.7079% | 4,510 |
| Cash dividends to net income (ytd only)* | 18.5381% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 6,017 |
| Loan loss allowance to noncurrent loans | 51.6793% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 3,385 |
| Noncurrent loans to loans | 1.3252% | 2,220 |
| Net loans and leases to total assets | 49.0951% | 5,055 |
| Net loans and leases to deposits | 78.2478% | 2,946 |
| Net loans and leases to core deposits | 133.4369% | 214 |
| Total domestic deposits to total assets | 62.7431% | 6,375 |
| Equity capital to assets | 10.1398% | 3,932 |
| Core capital (leverage) ratio | 9.5410% | 4,185 |
| Tier 1 risk-based capital ratio | 21.7157% | 1,264 |
| Total risk-based capital ratio | 22.5061% | 1,325 |
| Memoranda: | ||
| Average total assets | $133,434,800 | 3,912 |
| Average earning assets | $124,793,400 | 3,867 |
| Average equity | $13,075,000 | 4,178 |
| Average total loans | $63,862,400 | 4,369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 804 |
| Cost of funding earning assets | 1.4953% | 30 |
| Net interest margin | 3.4800% | 3,900 |
| Noninterest income to average assets | 0.5624% | 3,118 |
| Noninterest expense to average assets | 2.3663% | 4,923 |
| Loan and lease loss provision to assets | 0.0456% | 3,476 |
| Net operating income to assets | 1.4076% | 1,115 |
| Return on assets (ROA) | 1.4096% | 1,152 |
| Pretax return on assets | 1.4096% | 1,973 |
| Return on Equity (ROE) | 14.5210% | 899 |
| Retained earnings to average equity (ytd only) | 10.8673% | 540 |
| Net charge-offs to loans | 0.0919% | 2,897 |
| Credit loss provision to net charge-offs | 104.6512% | 2,117 |
| Earnings coverage of net charge-offs (x) | 33.3499% | 1,280 |
| Efficiency ratio | 61.9528% | 4,886 |
| Assets per employee ($millions) | 3.4958% | 4,869 |
| Cash dividends to net income (ytd only)* | 25.1620% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6773% | 6,132 |
| Loan loss allowance to noncurrent loans | 54.1516% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 3,957 |
| Noncurrent loans to loans | 1.2507% | 2,551 |
| Net loans and leases to total assets | 48.4054% | 5,163 |
| Net loans and leases to deposits | 78.2553% | 2,921 |
| Net loans and leases to core deposits | 125.7838% | 287 |
| Total domestic deposits to total assets | 61.8558% | 6,468 |
| Equity capital to assets | 10.0588% | 4,096 |
| Core capital (leverage) ratio | 9.4436% | 4,446 |
| Tier 1 risk-based capital ratio | 21.5161% | 1,346 |
| Total risk-based capital ratio | 22.2840% | 1,424 |
| Memoranda: | ||
| Average total assets | $131,568,500 | 3,975 |
| Average earning assets | $123,139,750 | 3,928 |
| Average equity | $12,772,000 | 4,263 |
| Average total loans | $62,415,000 | 4,445 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 947 |
| Cost of funding earning assets | 1.5137% | 28 |
| Net interest margin | 3.3623% | 4,346 |
| Noninterest income to average assets | 0.5370% | 3,223 |
| Noninterest expense to average assets | 2.3296% | 5,084 |
| Loan and lease loss provision to assets | 0.0462% | 3,391 |
| Net operating income to assets | 1.3125% | 1,272 |
| Return on assets (ROA) | 1.3156% | 1,314 |
| Pretax return on assets | 1.3156% | 2,197 |
| Return on Equity (ROE) | 13.7261% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.7261% | 279 |
| Net charge-offs to loans | 0.1179% | 2,487 |
| Credit loss provision to net charge-offs | 83.3333% | 2,290 |
| Earnings coverage of net charge-offs (x) | 24.5278% | 1,430 |
| Efficiency ratio | 63.1623% | 4,828 |
| Assets per employee ($millions) | 3.4254% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 6,164 |
| Loan loss allowance to noncurrent loans | 46.8849% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 3,811 |
| Noncurrent loans to loans | 1.5038% | 2,315 |
| Net loans and leases to total assets | 46.8059% | 5,285 |
| Net loans and leases to deposits | 76.0823% | 3,046 |
| Net loans and leases to core deposits | 117.6551% | 431 |
| Total domestic deposits to total assets | 61.5202% | 6,544 |
| Equity capital to assets | 10.0216% | 4,076 |
| Core capital (leverage) ratio | 9.4917% | 4,344 |
| Tier 1 risk-based capital ratio | 21.7924% | 1,292 |
| Total risk-based capital ratio | 22.5713% | 1,355 |
| Memoranda: | ||
| Average total assets | $129,978,670 | 4,033 |
| Average earning assets | $121,823,000 | 3,972 |
| Average equity | $12,458,000 | 4,323 |
| Average total loans | $61,071,670 | 4,514 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 970 |
| Cost of funding earning assets | 1.5269% | 29 |
| Net interest margin | 3.3126% | 4,479 |
| Noninterest income to average assets | 0.5024% | 3,390 |
| Noninterest expense to average assets | 2.3312% | 5,121 |
| Loan and lease loss provision to assets | 0.0468% | 3,160 |
| Net operating income to assets | 1.2390% | 1,374 |
| Return on assets (ROA) | 1.2452% | 1,415 |
| Pretax return on assets | 1.2452% | 2,297 |
| Return on Equity (ROE) | 13.3078% | 1,078 |
| Retained earnings to average equity (ytd only) | 13.3078% | 451 |
| Net charge-offs to loans | -0.0333% | 5,618 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4521% | 4,789 |
| Assets per employee ($millions) | 3.4271% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 6,180 |
| Loan loss allowance to noncurrent loans | 60.3675% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 4,292 |
| Noncurrent loans to loans | 1.2547% | 2,944 |
| Net loans and leases to total assets | 46.2808% | 5,310 |
| Net loans and leases to deposits | 72.0393% | 3,332 |
| Net loans and leases to core deposits | 106.8142% | 727 |
| Total domestic deposits to total assets | 64.2438% | 6,582 |
| Equity capital to assets | 9.5271% | 4,464 |
| Core capital (leverage) ratio | 9.3317% | 4,524 |
| Tier 1 risk-based capital ratio | 21.5740% | 1,360 |
| Total risk-based capital ratio | 22.4033% | 1,421 |
| Memoranda: | ||
| Average total assets | $128,172,000 | 4,098 |
| Average earning assets | $120,509,500 | 4,030 |
| Average equity | $11,993,000 | 4,424 |
| Average total loans | $60,121,000 | 4,584 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 1,229 |
| Cost of funding earning assets | 1.7151% | 26 |
| Net interest margin | 3.1243% | 5,242 |
| Noninterest income to average assets | 0.4527% | 4,074 |
| Noninterest expense to average assets | 2.2882% | 5,415 |
| Loan and lease loss provision to assets | 0.0450% | 4,226 |
| Net operating income to assets | 1.0767% | 2,009 |
| Return on assets (ROA) | 1.2447% | 1,467 |
| Pretax return on assets | 1.2447% | 2,393 |
| Return on Equity (ROE) | 11.6296% | 1,542 |
| Retained earnings to average equity (ytd only) | -25.0354% | 6,696 |
| Net charge-offs to loans | 0.2164% | 2,729 |
| Credit loss provision to net charge-offs | 47.1074% | 3,888 |
| Earnings coverage of net charge-offs (x) | 11.7521% | 2,201 |
| Efficiency ratio | 67.1062% | 4,357 |
| Assets per employee ($millions) | 3.5032% | 4,895 |
| Cash dividends to net income (ytd only)* | 315.2725% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 6,308 |
| Loan loss allowance to noncurrent loans | 58.3110% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 4,463 |
| Noncurrent loans to loans | 1.2535% | 3,032 |
| Net loans and leases to total assets | 46.8430% | 5,407 |
| Net loans and leases to deposits | 73.0415% | 3,393 |
| Net loans and leases to core deposits | 108.1542% | 688 |
| Total domestic deposits to total assets | 64.1319% | 6,665 |
| Equity capital to assets | 9.1813% | 4,829 |
| Core capital (leverage) ratio | 9.2150% | 4,700 |
| Tier 1 risk-based capital ratio | 22.2686% | 1,212 |
| Total risk-based capital ratio | 23.1061% | 1,258 |
| Memoranda: | ||
| Average total assets | $126,781,400 | 4,130 |
| Average earning assets | $119,996,400 | 4,049 |
| Average equity | $13,568,800 | 4,150 |
| Average total loans | $55,927,000 | 4,752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 1,365 |
| Cost of funding earning assets | 1.7652% | 24 |
| Net interest margin | 3.0264% | 5,528 |
| Noninterest income to average assets | 0.4201% | 4,367 |
| Noninterest expense to average assets | 2.2633% | 5,453 |
| Loan and lease loss provision to assets | 0.0389% | 4,230 |
| Net operating income to assets | 0.9810% | 2,462 |
| Return on assets (ROA) | 1.2036% | 1,692 |
| Pretax return on assets | 1.2036% | 2,681 |
| Return on Equity (ROE) | 10.8626% | 1,868 |
| Retained earnings to average equity (ytd only) | -29.8959% | 6,805 |
| Net charge-offs to loans | 0.2277% | 2,442 |
| Credit loss provision to net charge-offs | 39.3617% | 3,716 |
| Earnings coverage of net charge-offs (x) | 10.3298% | 2,373 |
| Efficiency ratio | 68.9379% | 3,922 |
| Assets per employee ($millions) | 3.7537% | 4,343 |
| Cash dividends to net income (ytd only)* | 375.2186% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 6,244 |
| Loan loss allowance to noncurrent loans | 45.9701% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 4,080 |
| Noncurrent loans to loans | 1.7776% | 2,529 |
| Net loans and leases to total assets | 45.2693% | 5,606 |
| Net loans and leases to deposits | 69.5792% | 3,840 |
| Net loans and leases to core deposits | 103.1017% | 925 |
| Total domestic deposits to total assets | 65.0615% | 6,724 |
| Equity capital to assets | 9.4210% | 4,645 |
| Core capital (leverage) ratio | 9.5787% | 4,286 |
| Tier 1 risk-based capital ratio | 23.5810% | 1,062 |
| Total risk-based capital ratio | 24.5034% | 1,084 |
| Memoranda: | ||
| Average total assets | $126,948,000 | 4,179 |
| Average earning assets | $120,095,000 | 4,095 |
| Average equity | $14,066,250 | 4,098 |
| Average total loans | $55,031,000 | 4,822 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 1,497 |
| Cost of funding earning assets | 1.8572% | 19 |
| Net interest margin | 2.8693% | 5,850 |
| Noninterest income to average assets | 0.4063% | 4,482 |
| Noninterest expense to average assets | 2.2020% | 5,622 |
| Loan and lease loss provision to assets | 0.0750% | 3,546 |
| Net operating income to assets | 0.8408% | 3,098 |
| Return on assets (ROA) | 1.1721% | 1,772 |
| Pretax return on assets | 1.1721% | 2,799 |
| Return on Equity (ROE) | 10.0908% | 2,162 |
| Retained earnings to average equity (ytd only) | -47.7632% | 6,896 |
| Net charge-offs to loans | 0.3081% | 1,952 |
| Credit loss provision to net charge-offs | 57.1429% | 3,069 |
| Earnings coverage of net charge-offs (x) | 6.9762% | 2,618 |
| Efficiency ratio | 70.6266% | 3,705 |
| Assets per employee ($millions) | 3.4571% | 4,943 |
| Cash dividends to net income (ytd only)* | 573.3333% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 6,258 |
| Loan loss allowance to noncurrent loans | 43.1444% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 4,040 |
| Noncurrent loans to loans | 1.9618% | 2,439 |
| Net loans and leases to total assets | 44.4266% | 5,703 |
| Net loans and leases to deposits | 66.4575% | 4,204 |
| Net loans and leases to core deposits | 94.9953% | 1,443 |
| Total domestic deposits to total assets | 66.8496% | 6,742 |
| Equity capital to assets | 10.0308% | 3,876 |
| Core capital (leverage) ratio | 9.2857% | 4,565 |
| Tier 1 risk-based capital ratio | 22.9266% | 1,145 |
| Total risk-based capital ratio | 23.8747% | 1,174 |
| Memoranda: | ||
| Average total assets | $127,973,330 | 4,185 |
| Average earning assets | $120,934,330 | 4,102 |
| Average equity | $14,865,000 | 3,973 |
| Average total loans | $54,528,670 | 4,866 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,688 |
| Cost of funding earning assets | 1.8845% | 16 |
| Net interest margin | 2.7616% | 6,110 |
| Noninterest income to average assets | 0.3947% | 4,505 |
| Noninterest expense to average assets | 2.2107% | 5,658 |
| Loan and lease loss provision to assets | 0.1202% | 2,717 |
| Net operating income to assets | 0.6752% | 3,813 |
| Return on assets (ROA) | 1.3289% | 1,308 |
| Pretax return on assets | 1.3289% | 2,127 |
| Return on Equity (ROE) | 10.7378% | 1,779 |
| Retained earnings to average equity (ytd only) | -39.0894% | 6,933 |
| Net charge-offs to loans | 0.2671% | 1,890 |
| Credit loss provision to net charge-offs | 108.3333% | 1,714 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,105 |
| Efficiency ratio | 73.5385% | 3,344 |
| Assets per employee ($millions) | 3.7948% | 4,362 |
| Cash dividends to net income (ytd only)* | 464.0371% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 6,106 |
| Loan loss allowance to noncurrent loans | 66.9241% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 4,696 |
| Noncurrent loans to loans | 1.4354% | 3,413 |
| Net loans and leases to total assets | 42.8111% | 5,773 |
| Net loans and leases to deposits | 64.5643% | 4,248 |
| Net loans and leases to core deposits | 99.4435% | 981 |
| Total domestic deposits to total assets | 66.3076% | 6,841 |
| Equity capital to assets | 12.1092% | 1,966 |
| Core capital (leverage) ratio | 10.6339% | 2,614 |
| Tier 1 risk-based capital ratio | 27.1603% | 693 |
| Total risk-based capital ratio | 28.2146% | 699 |
| Memoranda: | ||
| Average total assets | $129,731,500 | 4,191 |
| Average earning assets | $122,684,500 | 4,103 |
| Average equity | $16,055,500 | 3,811 |
| Average total loans | $53,911,000 | 4,920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,679 |
| Cost of funding earning assets | 1.7745% | 56 |
| Net interest margin | 2.9051% | 6,215 |
| Noninterest income to average assets | 0.4041% | 4,575 |
| Noninterest expense to average assets | 1.9554% | 6,407 |
| Loan and lease loss provision to assets | 0.0084% | 5,818 |
| Net operating income to assets | 1.1892% | 1,642 |
| Return on assets (ROA) | 1.8117% | 560 |
| Pretax return on assets | 1.8117% | 897 |
| Return on Equity (ROE) | 16.6065% | 586 |
| Retained earnings to average equity (ytd only) | 13.4080% | 229 |
| Net charge-offs to loans | -0.0038% | 6,366 |
| Credit loss provision to net charge-offs | -600.0000% | 6,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0186% | 5,233 |
| Assets per employee ($millions) | 3.9481% | 4,047 |
| Cash dividends to net income (ytd only)* | 19.2604% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,073 |
| Loan loss allowance to noncurrent loans | 72.0833% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,021 |
| Noncurrent loans to loans | 1.3410% | 3,597 |
| Net loans and leases to total assets | 39.6108% | 6,197 |
| Net loans and leases to deposits | 61.0962% | 4,900 |
| Net loans and leases to core deposits | 102.3227% | 873 |
| Total domestic deposits to total assets | 64.8336% | 6,920 |
| Equity capital to assets | 12.6248% | 1,628 |
| Core capital (leverage) ratio | 11.2392% | 2,060 |
| Tier 1 risk-based capital ratio | 29.3608% | 541 |
| Total risk-based capital ratio | 30.3791% | 543 |
| Memoranda: | ||
| Average total assets | $143,292,800 | 3,890 |
| Average earning assets | $135,589,800 | 3,801 |
| Average equity | $15,632,400 | 3,836 |
| Average total loans | $52,373,400 | 4,999 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 2,977 |
| Cost of funding earning assets | 1.7990% | 59 |
| Net interest margin | 2.8587% | 6,421 |
| Noninterest income to average assets | 0.3957% | 4,670 |
| Noninterest expense to average assets | 1.9538% | 6,441 |
| Loan and lease loss provision to assets | 0.0110% | 5,671 |
| Net operating income to assets | 1.1368% | 1,964 |
| Return on assets (ROA) | 1.2842% | 1,627 |
| Pretax return on assets | 1.2842% | 2,661 |
| Return on Equity (ROE) | 12.2146% | 1,560 |
| Retained earnings to average equity (ytd only) | 12.2146% | 497 |
| Net charge-offs to loans | -0.0333% | 6,601 |
| Credit loss provision to net charge-offs | -92.3077% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9947% | 4,976 |
| Assets per employee ($millions) | 4.2284% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,108 |
| Loan loss allowance to noncurrent loans | 82.5545% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,408 |
| Noncurrent loans to loans | 1.2047% | 4,041 |
| Net loans and leases to total assets | 37.8117% | 6,423 |
| Net loans and leases to deposits | 58.1722% | 5,417 |
| Net loans and leases to core deposits | 99.1935% | 1,178 |
| Total domestic deposits to total assets | 64.9997% | 6,997 |
| Equity capital to assets | 12.1424% | 2,156 |
| Core capital (leverage) ratio | 10.3757% | 3,069 |
| Tier 1 risk-based capital ratio | 27.7241% | 685 |
| Total risk-based capital ratio | 28.7538% | 685 |
| Memoranda: | ||
| Average total assets | $145,557,000 | 3,890 |
| Average earning assets | $137,774,250 | 3,794 |
| Average equity | $15,303,750 | 3,936 |
| Average total loans | $52,044,000 | 5,071 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 3,290 |
| Cost of funding earning assets | 1.8179% | 65 |
| Net interest margin | 2.7990% | 6,578 |
| Noninterest income to average assets | 0.3903% | 4,723 |
| Noninterest expense to average assets | 1.9544% | 6,507 |
| Loan and lease loss provision to assets | 0.0163% | 5,462 |
| Net operating income to assets | 1.0761% | 2,143 |
| Return on assets (ROA) | 1.2903% | 1,618 |
| Pretax return on assets | 1.2903% | 2,598 |
| Return on Equity (ROE) | 12.9021% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.9021% | 447 |
| Net charge-offs to loans | 0.0077% | 5,370 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 105 |
| Efficiency ratio | 64.1459% | 4,878 |
| Assets per employee ($millions) | 4.1858% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,195 |
| Loan loss allowance to noncurrent loans | 87.7342% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 5,639 |
| Noncurrent loans to loans | 1.1293% | 4,270 |
| Net loans and leases to total assets | 36.1604% | 6,605 |
| Net loans and leases to deposits | 53.3495% | 5,924 |
| Net loans and leases to core deposits | 94.8049% | 1,521 |
| Total domestic deposits to total assets | 67.7802% | 7,003 |
| Equity capital to assets | 11.6122% | 2,478 |
| Core capital (leverage) ratio | 9.5250% | 4,110 |
| Tier 1 risk-based capital ratio | 26.7724% | 747 |
| Total risk-based capital ratio | 27.7700% | 758 |
| Memoranda: | ||
| Average total assets | $147,564,000 | 3,878 |
| Average earning assets | $140,048,330 | 3,786 |
| Average equity | $14,757,330 | 4,042 |
| Average total loans | $51,628,330 | 5,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 3,642 |
| Cost of funding earning assets | 1.6991% | 125 |
| Net interest margin | 2.8702% | 6,525 |
| Noninterest income to average assets | 0.3995% | 4,676 |
| Noninterest expense to average assets | 1.9229% | 6,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1985% | 1,737 |
| Return on assets (ROA) | 1.1985% | 1,919 |
| Pretax return on assets | 1.1985% | 2,917 |
| Return on Equity (ROE) | 12.9748% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.9748% | 685 |
| Net charge-offs to loans | -0.0078% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6041% | 5,352 |
| Assets per employee ($millions) | 4.2980% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,326 |
| Loan loss allowance to noncurrent loans | 97.1209% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 5,799 |
| Noncurrent loans to loans | 1.0064% | 4,661 |
| Net loans and leases to total assets | 34.0779% | 6,732 |
| Net loans and leases to deposits | 50.9152% | 6,081 |
| Net loans and leases to core deposits | 95.8133% | 1,310 |
| Total domestic deposits to total assets | 66.9306% | 7,084 |
| Equity capital to assets | 10.2347% | 3,809 |
| Core capital (leverage) ratio | 8.8976% | 4,997 |
| Tier 1 risk-based capital ratio | 25.0362% | 904 |
| Total risk-based capital ratio | 25.9873% | 917 |
| Memoranda: | ||
| Average total assets | $150,188,000 | 3,870 |
| Average earning assets | $142,431,500 | 3,776 |
| Average equity | $13,873,000 | 4,225 |
| Average total loans | $51,454,000 | 5,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 5,041 |
| Cost of funding earning assets | 1.9072% | 142 |
| Net interest margin | 2.6020% | 7,000 |
| Noninterest income to average assets | 0.4249% | 4,407 |
| Noninterest expense to average assets | 1.7427% | 7,021 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1612% | 1,634 |
| Return on assets (ROA) | 1.1632% | 1,736 |
| Pretax return on assets | 1.1632% | 2,603 |
| Return on Equity (ROE) | 14.8808% | 762 |
| Retained earnings to average equity (ytd only) | 10.5066% | 474 |
| Net charge-offs to loans | 0.0666% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 51.4412% | 543 |
| Efficiency ratio | 60.0137% | 5,758 |
| Assets per employee ($millions) | 4.2842% | 3,291 |
| Cash dividends to net income (ytd only)* | 29.3950% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,423 |
| Loan loss allowance to noncurrent loans | 83.5355% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,803 |
| Noncurrent loans to loans | 1.1283% | 4,471 |
| Net loans and leases to total assets | 33.7833% | 6,876 |
| Net loans and leases to deposits | 49.3358% | 6,415 |
| Net loans and leases to core deposits | 95.2468% | 1,565 |
| Total domestic deposits to total assets | 68.4762% | 7,054 |
| Equity capital to assets | 8.2362% | 6,398 |
| Core capital (leverage) ratio | 7.8285% | 6,418 |
| Tier 1 risk-based capital ratio | 19.2621% | 1,829 |
| Total risk-based capital ratio | 20.0299% | 1,923 |
| Memoranda: | ||
| Average total assets | $150,624,800 | 3,786 |
| Average earning assets | $143,507,600 | 3,684 |
| Average equity | $11,773,600 | 4,604 |
| Average total loans | $51,076,200 | 5,231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 5,406 |
| Cost of funding earning assets | 1.8227% | 242 |
| Net interest margin | 2.6334% | 7,049 |
| Noninterest income to average assets | 0.4244% | 4,481 |
| Noninterest expense to average assets | 1.7118% | 7,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2228% | 1,594 |
| Return on assets (ROA) | 1.2237% | 1,698 |
| Pretax return on assets | 1.2237% | 2,547 |
| Return on Equity (ROE) | 15.8673% | 701 |
| Retained earnings to average equity (ytd only) | 9.9629% | 853 |
| Net charge-offs to loans | 0.0522% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 69.1395% | 478 |
| Efficiency ratio | 58.3308% | 5,965 |
| Assets per employee ($millions) | 4.7805% | 2,504 |
| Cash dividends to net income (ytd only)* | 37.2110% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 6,377 |
| Loan loss allowance to noncurrent loans | 118.3771% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 6,267 |
| Noncurrent loans to loans | 0.8228% | 5,222 |
| Net loans and leases to total assets | 32.9660% | 6,996 |
| Net loans and leases to deposits | 46.6030% | 6,711 |
| Net loans and leases to core deposits | 96.1249% | 1,596 |
| Total domestic deposits to total assets | 70.7379% | 6,996 |
| Equity capital to assets | 7.8816% | 6,763 |
| Core capital (leverage) ratio | 7.5805% | 6,712 |
| Tier 1 risk-based capital ratio | 19.4109% | 1,840 |
| Total risk-based capital ratio | 20.2321% | 1,921 |
| Memoranda: | ||
| Average total assets | $150,794,250 | 3,812 |
| Average earning assets | $143,741,750 | 3,707 |
| Average equity | $11,629,500 | 4,653 |
| Average total loans | $51,060,500 | 5,270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 5,816 |
| Cost of funding earning assets | 1.6892% | 484 |
| Net interest margin | 2.6736% | 7,057 |
| Noninterest income to average assets | 0.4265% | 4,457 |
| Noninterest expense to average assets | 1.6713% | 7,206 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3034% | 1,308 |
| Return on assets (ROA) | 1.3048% | 1,379 |
| Pretax return on assets | 1.3048% | 2,122 |
| Return on Equity (ROE) | 17.0454% | 546 |
| Retained earnings to average equity (ytd only) | 10.5162% | 743 |
| Net charge-offs to loans | 0.0509% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 75.2308% | 453 |
| Efficiency ratio | 56.1828% | 6,404 |
| Assets per employee ($millions) | 4.7263% | 2,509 |
| Cash dividends to net income (ytd only)* | 38.3044% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,414 |
| Loan loss allowance to noncurrent loans | 102.4440% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 6,231 |
| Noncurrent loans to loans | 0.9580% | 5,075 |
| Net loans and leases to total assets | 32.5374% | 7,096 |
| Net loans and leases to deposits | 43.7306% | 6,929 |
| Net loans and leases to core deposits | 95.0248% | 1,790 |
| Total domestic deposits to total assets | 74.4044% | 6,796 |
| Equity capital to assets | 7.5310% | 6,933 |
| Core capital (leverage) ratio | 7.6882% | 6,598 |
| Tier 1 risk-based capital ratio | 19.5133% | 1,714 |
| Total risk-based capital ratio | 20.3699% | 1,769 |
| Memoranda: | ||
| Average total assets | $150,067,000 | 3,846 |
| Average earning assets | $143,030,330 | 3,743 |
| Average equity | $11,487,000 | 4,690 |
| Average total loans | $51,105,330 | 5,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 5,680 |
| Cost of funding earning assets | 1.7118% | 524 |
| Net interest margin | 2.6920% | 7,025 |
| Noninterest income to average assets | 0.4296% | 4,453 |
| Noninterest expense to average assets | 1.6993% | 7,231 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2915% | 1,292 |
| Return on assets (ROA) | 1.2942% | 1,323 |
| Pretax return on assets | 1.2942% | 2,057 |
| Return on Equity (ROE) | 16.7643% | 600 |
| Retained earnings to average equity (ytd only) | 15.0033% | 392 |
| Net charge-offs to loans | 0.0470% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 79.1667% | 392 |
| Efficiency ratio | 56.8182% | 6,406 |
| Assets per employee ($millions) | 4.5843% | 2,759 |
| Cash dividends to net income (ytd only)* | 10.5042% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,398 |
| Loan loss allowance to noncurrent loans | 118.0556% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 6,332 |
| Noncurrent loans to loans | 0.8474% | 5,354 |
| Net loans and leases to total assets | 34.4054% | 7,079 |
| Net loans and leases to deposits | 45.4224% | 6,890 |
| Net loans and leases to core deposits | 97.0280% | 1,592 |
| Total domestic deposits to total assets | 75.7454% | 6,705 |
| Equity capital to assets | 7.8767% | 6,614 |
| Core capital (leverage) ratio | 7.6578% | 6,593 |
| Tier 1 risk-based capital ratio | 20.3577% | 1,513 |
| Total risk-based capital ratio | 21.2780% | 1,550 |
| Memoranda: | ||
| Average total assets | $147,116,500 | 3,930 |
| Average earning assets | $139,971,500 | 3,822 |
| Average equity | $11,357,500 | 4,704 |
| Average total loans | $51,032,500 | 5,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 6,777 |
| Cost of funding earning assets | 1.6874% | 1,658 |
| Net interest margin | 2.6237% | 7,189 |
| Noninterest income to average assets | 0.5936% | 3,517 |
| Noninterest expense to average assets | 1.8904% | 7,172 |
| Loan and lease loss provision to assets | 0.1117% | 6,038 |
| Net operating income to assets | 1.0786% | 1,764 |
| Return on assets (ROA) | 1.0881% | 1,819 |
| Pretax return on assets | 1.0881% | 2,621 |
| Return on Equity (ROE) | 14.2852% | 831 |
| Retained earnings to average equity (ytd only) | 14.2852% | 152 |
| Net charge-offs to loans | 0.3012% | 4,509 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 10.6579% | 1,684 |
| Efficiency ratio | 61.3642% | 5,837 |
| Assets per employee ($millions) | 4.7592% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 6,338 |
| Loan loss allowance to noncurrent loans | 110.7296% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 6,340 |
| Noncurrent loans to loans | 0.9122% | 5,230 |
| Net loans and leases to total assets | 34.2746% | 7,217 |
| Net loans and leases to deposits | 44.9936% | 7,081 |
| Net loans and leases to core deposits | 49.1175% | 7,017 |
| Total domestic deposits to total assets | 76.1765% | 6,616 |
| Equity capital to assets | 7.5643% | 6,843 |
| Core capital (leverage) ratio | 7.8716% | 6,356 |
| Tier 1 risk-based capital ratio | 19.6845% | 1,558 |
| Total risk-based capital ratio | 20.6220% | 1,597 |
| Memoranda: | ||
| Average total assets | $136,108,400 | 4,139 |
| Average earning assets | $129,014,200 | 4,041 |
| Average equity | $10,367,400 | 5,018 |
| Average total loans | $50,462,000 | 5,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 6,958 |
| Cost of funding earning assets | 1.7202% | 1,769 |
| Net interest margin | 2.5877% | 7,323 |
| Noninterest income to average assets | 0.6154% | 3,351 |
| Noninterest expense to average assets | 1.8941% | 7,217 |
| Loan and lease loss provision to assets | 0.1371% | 5,656 |
| Net operating income to assets | 1.0346% | 2,125 |
| Return on assets (ROA) | 1.0476% | 2,183 |
| Pretax return on assets | 1.0476% | 3,003 |
| Return on Equity (ROE) | 13.7274% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.7274% | 293 |
| Net charge-offs to loans | 0.3843% | 3,754 |
| Credit loss provision to net charge-offs | 94.4828% | 4,588 |
| Earnings coverage of net charge-offs (x) | 8.0758% | 2,215 |
| Efficiency ratio | 61.7820% | 5,653 |
| Assets per employee ($millions) | 4.2797% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 6,332 |
| Loan loss allowance to noncurrent loans | 35.5199% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 5,013 |
| Noncurrent loans to loans | 2.8551% | 2,794 |
| Net loans and leases to total assets | 36.2777% | 7,255 |
| Net loans and leases to deposits | 47.5963% | 7,103 |
| Net loans and leases to core deposits | 99.7831% | 1,869 |
| Total domestic deposits to total assets | 76.2196% | 6,612 |
| Equity capital to assets | 7.9132% | 6,862 |
| Core capital (leverage) ratio | 7.7181% | 6,653 |
| Tier 1 risk-based capital ratio | 22.2002% | 1,179 |
| Total risk-based capital ratio | 23.2867% | 1,173 |
| Memoranda: | ||
| Average total assets | $133,251,750 | 4,245 |
| Average earning assets | $126,182,500 | 4,156 |
| Average equity | $10,169,250 | 5,140 |
| Average total loans | $50,306,750 | 5,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 7,043 |
| Cost of funding earning assets | 1.7249% | 1,993 |
| Net interest margin | 2.5826% | 7,362 |
| Noninterest income to average assets | 0.6514% | 3,005 |
| Noninterest expense to average assets | 1.8997% | 7,264 |
| Loan and lease loss provision to assets | 0.1379% | 5,514 |
| Net operating income to assets | 1.0589% | 1,987 |
| Return on assets (ROA) | 1.0771% | 2,003 |
| Pretax return on assets | 1.0771% | 2,857 |
| Return on Equity (ROE) | 14.2962% | 971 |
| Retained earnings to average equity (ytd only) | 14.2962% | 293 |
| Net charge-offs to loans | 0.3575% | 3,562 |
| Credit loss provision to net charge-offs | 101.1111% | 4,034 |
| Earnings coverage of net charge-offs (x) | 8.7778% | 2,100 |
| Efficiency ratio | 61.3503% | 5,806 |
| Assets per employee ($millions) | 3.7550% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,181 |
| Loan loss allowance to noncurrent loans | 34.6488% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 4,856 |
| Noncurrent loans to loans | 3.0275% | 2,659 |
| Net loans and leases to total assets | 37.1789% | 7,305 |
| Net loans and leases to deposits | 51.3170% | 7,006 |
| Net loans and leases to core deposits | 95.7403% | 2,472 |
| Total domestic deposits to total assets | 72.4495% | 7,143 |
| Equity capital to assets | 7.9689% | 6,789 |
| Core capital (leverage) ratio | 7.5168% | 6,813 |
| Tier 1 risk-based capital ratio | 22.3475% | 1,152 |
| Total risk-based capital ratio | 23.4954% | 1,143 |
| Memoranda: | ||
| Average total assets | $132,019,330 | 4,296 |
| Average earning assets | $124,989,330 | 4,209 |
| Average equity | $9,946,670 | 5,217 |
| Average total loans | $50,345,330 | 5,589 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 7,206 |
| Cost of funding earning assets | 1.7005% | 2,388 |
| Net interest margin | 2.5491% | 7,430 |
| Noninterest income to average assets | 0.6832% | 2,715 |
| Noninterest expense to average assets | 1.8138% | 7,452 |
| Loan and lease loss provision to assets | 0.1360% | 5,202 |
| Net operating income to assets | 1.1488% | 1,679 |
| Return on assets (ROA) | 1.1850% | 1,658 |
| Pretax return on assets | 1.1850% | 2,416 |
| Return on Equity (ROE) | 16.1925% | 692 |
| Retained earnings to average equity (ytd only) | 16.1925% | 328 |
| Net charge-offs to loans | 0.4643% | 2,651 |
| Credit loss provision to net charge-offs | 76.2712% | 3,970 |
| Earnings coverage of net charge-offs (x) | 7.2034% | 2,120 |
| Efficiency ratio | 58.5366% | 6,405 |
| Assets per employee ($millions) | 4.2050% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,479 |
| Loan loss allowance to noncurrent loans | 33.1357% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 4,560 |
| Noncurrent loans to loans | 3.0154% | 2,657 |
| Net loans and leases to total assets | 37.0385% | 7,388 |
| Net loans and leases to deposits | 50.7169% | 7,096 |
| Net loans and leases to core deposits | 95.0437% | 2,694 |
| Total domestic deposits to total assets | 73.0299% | 7,156 |
| Equity capital to assets | 7.3283% | 7,198 |
| Core capital (leverage) ratio | 7.1939% | 7,109 |
| Tier 1 risk-based capital ratio | 21.3790% | 1,291 |
| Total risk-based capital ratio | 22.5090% | 1,275 |
| Memoranda: | ||
| Average total assets | $132,317,000 | 4,355 |
| Average earning assets | $125,378,500 | 4,252 |
| Average equity | $9,683,500 | 5,326 |
| Average total loans | $50,828,000 | 5,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 6,025 |
| Cost of funding earning assets | 2.2260% | 1,915 |
| Net interest margin | 2.8894% | 6,885 |
| Noninterest income to average assets | 0.6501% | 3,290 |
| Noninterest expense to average assets | 2.0323% | 7,315 |
| Loan and lease loss provision to assets | 0.1918% | 5,807 |
| Net operating income to assets | 1.1627% | 1,353 |
| Return on assets (ROA) | 1.1979% | 1,300 |
| Pretax return on assets | 1.1979% | 1,960 |
| Return on Equity (ROE) | 16.3559% | 521 |
| Retained earnings to average equity (ytd only) | 13.1534% | 146 |
| Net charge-offs to loans | 0.5694% | 3,515 |
| Credit loss provision to net charge-offs | 77.1044% | 6,356 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,598 |
| Efficiency ratio | 60.0049% | 6,495 |
| Assets per employee ($millions) | 4.0648% | 3,683 |
| Cash dividends to net income (ytd only)* | 19.5804% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 6,330 |
| Loan loss allowance to noncurrent loans | 66.4524% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,565 |
| Noncurrent loans to loans | 1.5162% | 4,383 |
| Net loans and leases to total assets | 39.0524% | 7,401 |
| Net loans and leases to deposits | 56.8326% | 6,864 |
| Net loans and leases to core deposits | 107.8767% | 3,113 |
| Total domestic deposits to total assets | 68.7147% | 7,505 |
| Equity capital to assets | 7.3081% | 7,194 |
| Core capital (leverage) ratio | 7.0455% | 7,200 |
| Tier 1 risk-based capital ratio | 15.8238% | 2,595 |
| Total risk-based capital ratio | 16.7204% | 2,683 |
| Memoranda: | ||
| Average total assets | $119,373,800 | 4,591 |
| Average earning assets | $113,070,400 | 4,475 |
| Average equity | $8,743,000 | 5,681 |
| Average total loans | $52,162,800 | 5,583 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 5,791 |
| Cost of funding earning assets | 2.3446% | 1,829 |
| Net interest margin | 2.8765% | 6,909 |
| Noninterest income to average assets | 0.6707% | 3,214 |
| Noninterest expense to average assets | 2.0440% | 7,300 |
| Loan and lease loss provision to assets | 0.2091% | 5,308 |
| Net operating income to assets | 1.1425% | 1,599 |
| Return on assets (ROA) | 1.1905% | 1,544 |
| Pretax return on assets | 1.1905% | 2,297 |
| Return on Equity (ROE) | 16.2448% | 623 |
| Retained earnings to average equity (ytd only) | 11.8796% | 357 |
| Net charge-offs to loans | 0.7561% | 2,469 |
| Credit loss provision to net charge-offs | 61.6162% | 6,144 |
| Earnings coverage of net charge-offs (x) | 3.9832% | 3,312 |
| Efficiency ratio | 60.1952% | 6,387 |
| Assets per employee ($millions) | 3.9481% | 3,831 |
| Cash dividends to net income (ytd only)* | 26.8711% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 6,739 |
| Loan loss allowance to noncurrent loans | 67.9654% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 5,672 |
| Noncurrent loans to loans | 1.3315% | 4,709 |
| Net loans and leases to total assets | 40.8232% | 7,419 |
| Net loans and leases to deposits | 62.9528% | 6,591 |
| Net loans and leases to core deposits | 105.4336% | 3,766 |
| Total domestic deposits to total assets | 64.8472% | 7,732 |
| Equity capital to assets | 7.2376% | 7,461 |
| Core capital (leverage) ratio | 7.2168% | 7,252 |
| Tier 1 risk-based capital ratio | 15.3816% | 2,875 |
| Total risk-based capital ratio | 16.2109% | 2,996 |
| Memoranda: | ||
| Average total assets | $116,698,750 | 4,680 |
| Average earning assets | $110,548,250 | 4,574 |
| Average equity | $8,552,250 | 5,802 |
| Average total loans | $52,375,000 | 5,621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 5,336 |
| Cost of funding earning assets | 2.4905% | 1,649 |
| Net interest margin | 2.8724% | 6,863 |
| Noninterest income to average assets | 0.6538% | 3,314 |
| Noninterest expense to average assets | 2.0866% | 7,300 |
| Loan and lease loss provision to assets | 0.2573% | 4,517 |
| Net operating income to assets | 1.0274% | 2,013 |
| Return on assets (ROA) | 1.0997% | 1,850 |
| Pretax return on assets | 1.0997% | 2,636 |
| Return on Equity (ROE) | 14.9372% | 841 |
| Retained earnings to average equity (ytd only) | 8.2346% | 1,139 |
| Net charge-offs to loans | 0.9489% | 1,829 |
| Credit loss provision to net charge-offs | 58.6345% | 5,616 |
| Earnings coverage of net charge-offs (x) | 2.9277% | 3,636 |
| Efficiency ratio | 61.8923% | 6,263 |
| Assets per employee ($millions) | 3.6312% | 4,495 |
| Cash dividends to net income (ytd only)* | 44.8718% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 6,685 |
| Loan loss allowance to noncurrent loans | 64.0957% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 5,844 |
| Noncurrent loans to loans | 1.4348% | 4,349 |
| Net loans and leases to total assets | 43.3369% | 7,369 |
| Net loans and leases to deposits | 64.5836% | 6,508 |
| Net loans and leases to core deposits | 103.1913% | 4,162 |
| Total domestic deposits to total assets | 67.1020% | 7,674 |
| Equity capital to assets | 7.2127% | 7,473 |
| Core capital (leverage) ratio | 7.3338% | 7,208 |
| Tier 1 risk-based capital ratio | 14.9963% | 3,021 |
| Total risk-based capital ratio | 15.8653% | 3,127 |
| Memoranda: | ||
| Average total assets | $113,485,000 | 4,787 |
| Average earning assets | $107,367,000 | 4,694 |
| Average equity | $8,355,000 | 5,896 |
| Average total loans | $52,484,330 | 5,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5173% | 4,821 |
| Cost of funding earning assets | 2.6397% | 1,451 |
| Net interest margin | 2.8776% | 6,807 |
| Noninterest income to average assets | 0.7071% | 2,843 |
| Noninterest expense to average assets | 2.0379% | 7,259 |
| Loan and lease loss provision to assets | 0.1015% | 5,668 |
| Net operating income to assets | 1.2873% | 1,414 |
| Return on assets (ROA) | 1.4359% | 1,151 |
| Pretax return on assets | 1.4359% | 1,863 |
| Return on Equity (ROE) | 19.2912% | 478 |
| Retained earnings to average equity (ytd only) | 5.6510% | 2,798 |
| Net charge-offs to loans | 0.1904% | 3,495 |
| Credit loss provision to net charge-offs | 112.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | 15.3200% | 1,613 |
| Efficiency ratio | 59.4709% | 6,486 |
| Assets per employee ($millions) | 3.4045% | 5,063 |
| Cash dividends to net income (ytd only)* | 70.7071% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,291 |
| Loan loss allowance to noncurrent loans | 61.8947% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 4,837 |
| Noncurrent loans to loans | 1.8174% | 3,536 |
| Net loans and leases to total assets | 46.0039% | 7,188 |
| Net loans and leases to deposits | 63.9748% | 6,564 |
| Net loans and leases to core deposits | 96.5406% | 4,898 |
| Total domestic deposits to total assets | 71.9094% | 7,217 |
| Equity capital to assets | 7.3237% | 7,476 |
| Core capital (leverage) ratio | 7.0553% | 7,600 |
| Tier 1 risk-based capital ratio | 14.3105% | 3,426 |
| Total risk-based capital ratio | 15.3977% | 3,431 |
| Memoranda: | ||
| Average total assets | $110,312,000 | 4,894 |
| Average earning assets | $104,254,500 | 4,799 |
| Average equity | $8,211,000 | 5,984 |
| Average total loans | $52,520,000 | 5,690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2639% | 4,161 |
| Cost of funding earning assets | 3.1451% | 1,373 |
| Net interest margin | 3.1187% | 6,599 |
| Noninterest income to average assets | 0.8389% | 2,302 |
| Noninterest expense to average assets | 2.3327% | 6,611 |
| Loan and lease loss provision to assets | 0.1552% | 5,377 |
| Net operating income to assets | 1.2796% | 1,542 |
| Return on assets (ROA) | 1.3189% | 1,385 |
| Pretax return on assets | 1.3189% | 2,246 |
| Return on Equity (ROE) | 17.8352% | 543 |
| Retained earnings to average equity (ytd only) | 13.6387% | 138 |
| Net charge-offs to loans | 0.1542% | 4,653 |
| Credit loss provision to net charge-offs | 187.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | 17.3375% | 1,781 |
| Efficiency ratio | 61.9165% | 5,966 |
| Assets per employee ($millions) | 3.2811% | 5,258 |
| Cash dividends to net income (ytd only)* | 23.5294% | 4,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,208 |
| Loan loss allowance to noncurrent loans | 62.7682% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 4,252 |
| Noncurrent loans to loans | 1.7662% | 3,117 |
| Net loans and leases to total assets | 48.1940% | 7,173 |
| Net loans and leases to deposits | 69.8540% | 6,284 |
| Net loans and leases to core deposits | 101.9717% | 4,617 |
| Total domestic deposits to total assets | 68.9925% | 7,386 |
| Equity capital to assets | 7.5676% | 7,330 |
| Core capital (leverage) ratio | 7.6277% | 7,037 |
| Tier 1 risk-based capital ratio | 14.1547% | 3,473 |
| Total risk-based capital ratio | 15.2408% | 3,472 |
| Memoranda: | ||
| Average total assets | $96,669,600 | 5,147 |
| Average earning assets | $90,774,800 | 5,059 |
| Average equity | $7,148,800 | 6,405 |
| Average total loans | $51,865,000 | 5,626 |