Home > Pilgrim Bank > Performance and Condition Ratios
Pilgrim Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 2,995 |
| Cost of funding earning assets | 1.5458% | 1,822 |
| Net interest margin | 3.0128% | 3,252 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.1431% | 3,282 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9561% | 2,344 |
| Return on assets (ROA) | 0.9582% | 2,334 |
| Pretax return on assets | 0.9582% | 2,785 |
| Return on Equity (ROE) | 11.6900% | 2,043 |
| Retained earnings to average equity (ytd only) | 2.7652% | 3,352 |
| Net charge-offs to loans | 0.0022% | 2,729 |
| Credit loss provision to net charge-offs | 1,150.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 663.2000% | 217 |
| Efficiency ratio | 67.1868% | 2,210 |
| Assets per employee ($millions) | 7.1330% | 1,986 |
| Cash dividends to net income (ytd only)* | 76.3365% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 3,875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.4300% | 2,207 |
| Net loans and leases to deposits | 81.0281% | 2,030 |
| Net loans and leases to core deposits | 93.0413% | 1,840 |
| Total domestic deposits to total assets | 81.9800% | 3,128 |
| Equity capital to assets | 8.6121% | 2,962 |
| Core capital (leverage) ratio | 10.3868% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3697% | 1,428 |
| Memoranda: | ||
| Average total assets | $677,433,200 | 1,338 |
| Average earning assets | $623,478,200 | 1,337 |
| Average equity | $55,546,800 | 1,475 |
| Average total loans | $445,952,600 | 1,354 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 3,172 |
| Cost of funding earning assets | 1.3945% | 1,884 |
| Net interest margin | 2.9687% | 3,403 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.1397% | 3,237 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9372% | 2,557 |
| Return on assets (ROA) | 0.9400% | 2,535 |
| Pretax return on assets | 0.9400% | 3,004 |
| Return on Equity (ROE) | 11.6100% | 2,225 |
| Retained earnings to average equity (ytd only) | 2.4574% | 3,636 |
| Net charge-offs to loans | 0.0030% | 2,421 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 481.5000% | 313 |
| Efficiency ratio | 67.7716% | 2,037 |
| Assets per employee ($millions) | 7.0296% | 1,942 |
| Cash dividends to net income (ytd only)* | 78.8369% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 3,912 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.6900% | 2,182 |
| Net loans and leases to deposits | 80.8362% | 1,986 |
| Net loans and leases to core deposits | 88.9864% | 1,994 |
| Total domestic deposits to total assets | 82.5100% | 3,115 |
| Equity capital to assets | 8.0765% | 3,011 |
| Core capital (leverage) ratio | 10.3186% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4225% | 1,443 |
| Memoranda: | ||
| Average total assets | $675,599,500 | 1,339 |
| Average earning assets | $621,757,250 | 1,336 |
| Average equity | $54,690,250 | 1,486 |
| Average total loans | $442,752,250 | 1,356 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 3,271 |
| Cost of funding earning assets | 1.2221% | 1,921 |
| Net interest margin | 2.9896% | 3,456 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.1265% | 3,276 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9638% | 2,535 |
| Return on assets (ROA) | 0.9680% | 2,517 |
| Pretax return on assets | 0.9680% | 2,999 |
| Return on Equity (ROE) | 11.9500% | 2,173 |
| Retained earnings to average equity (ytd only) | 2.5423% | 3,591 |
| Net charge-offs to loans | 0.0032% | 2,210 |
| Credit loss provision to net charge-offs | 571.4286% | 595 |
| Earnings coverage of net charge-offs (x) | 473.5714% | 316 |
| Efficiency ratio | 66.9651% | 2,109 |
| Assets per employee ($millions) | 6.7713% | 2,087 |
| Cash dividends to net income (ytd only)* | 78.7221% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 3,897 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.1700% | 2,255 |
| Net loans and leases to deposits | 78.4266% | 2,099 |
| Net loans and leases to core deposits | 85.9508% | 2,078 |
| Total domestic deposits to total assets | 83.0900% | 3,027 |
| Equity capital to assets | 8.1895% | 3,093 |
| Core capital (leverage) ratio | 10.3661% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4072% | 1,452 |
| Memoranda: | ||
| Average total assets | $675,853,667 | 1,338 |
| Average earning assets | $621,889,667 | 1,339 |
| Average equity | $54,752,667 | 1,486 |
| Average total loans | $439,047,667 | 1,349 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,421 |
| Cost of funding earning assets | 1.0037% | 2,037 |
| Net interest margin | 3.0130% | 3,567 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1261% | 3,317 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9946% | 2,548 |
| Return on assets (ROA) | 1.0029% | 2,484 |
| Pretax return on assets | 1.0029% | 2,983 |
| Return on Equity (ROE) | 12.4500% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.3381% | 3,643 |
| Net charge-offs to loans | 0.0028% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 564.6667% | 203 |
| Efficiency ratio | 66.4774% | 2,157 |
| Assets per employee ($millions) | 6.8331% | 2,087 |
| Cash dividends to net income (ytd only)* | 81.2168% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 3,963 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,813 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.6300% | 2,188 |
| Net loans and leases to deposits | 75.3499% | 2,173 |
| Net loans and leases to core deposits | 81.6751% | 2,135 |
| Total domestic deposits to total assets | 85.7700% | 2,659 |
| Equity capital to assets | 8.3347% | 3,018 |
| Core capital (leverage) ratio | 10.2752% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3947% | 1,522 |
| Memoranda: | ||
| Average total assets | $675,217,500 | 1,351 |
| Average earning assets | $620,904,000 | 1,360 |
| Average equity | $54,402,500 | 1,504 |
| Average total loans | $436,042,000 | 1,364 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 2,393 |
| Cost of funding earning assets | 0.4289% | 1,866 |
| Net interest margin | 3.3266% | 2,490 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2121% | 2,997 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1378% | 2,021 |
| Return on assets (ROA) | 1.1378% | 1,969 |
| Pretax return on assets | 1.1378% | 2,651 |
| Return on Equity (ROE) | 12.2300% | 2,064 |
| Retained earnings to average equity (ytd only) | 2.6178% | 3,817 |
| Net charge-offs to loans | 0.0175% | 1,758 |
| Credit loss provision to net charge-offs | 709.4595% | 542 |
| Earnings coverage of net charge-offs (x) | 108.5405% | 934 |
| Efficiency ratio | 63.1414% | 2,610 |
| Assets per employee ($millions) | 7.0185% | 1,961 |
| Cash dividends to net income (ytd only)* | 78.5933% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 3,887 |
| Loan loss allowance to noncurrent loans | 8,348.8889% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,845 |
| Noncurrent loans to loans | 0.0103% | 3,768 |
| Net loans and leases to total assets | 63.4200% | 2,291 |
| Net loans and leases to deposits | 74.3566% | 2,228 |
| Net loans and leases to core deposits | 79.6875% | 2,155 |
| Total domestic deposits to total assets | 85.3000% | 2,911 |
| Equity capital to assets | 7.7839% | 3,198 |
| Core capital (leverage) ratio | 9.9807% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2672% | 1,545 |
| Memoranda: | ||
| Average total assets | $659,788,600 | 1,361 |
| Average earning assets | $604,065,200 | 1,380 |
| Average equity | $61,388,200 | 1,380 |
| Average total loans | $423,859,600 | 1,327 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 2,255 |
| Cost of funding earning assets | 0.2947% | 2,232 |
| Net interest margin | 3.3363% | 2,182 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2607% | 2,753 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1415% | 1,924 |
| Return on assets (ROA) | 1.1415% | 1,894 |
| Pretax return on assets | 1.1415% | 2,587 |
| Return on Equity (ROE) | 11.7700% | 2,110 |
| Retained earnings to average equity (ytd only) | 2.5285% | 3,910 |
| Net charge-offs to loans | 0.0181% | 1,481 |
| Credit loss provision to net charge-offs | 438.5965% | 667 |
| Earnings coverage of net charge-offs (x) | 102.7018% | 936 |
| Efficiency ratio | 64.1045% | 2,537 |
| Assets per employee ($millions) | 7.0706% | 1,891 |
| Cash dividends to net income (ytd only)* | 78.5153% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,090 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.0400% | 2,186 |
| Net loans and leases to deposits | 74.8122% | 1,973 |
| Net loans and leases to core deposits | 79.2238% | 1,954 |
| Total domestic deposits to total assets | 84.2700% | 3,438 |
| Equity capital to assets | 7.6476% | 3,127 |
| Core capital (leverage) ratio | 10.2659% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0746% | 1,685 |
| Memoranda: | ||
| Average total assets | $654,538,250 | 1,378 |
| Average earning assets | $598,643,750 | 1,394 |
| Average equity | $63,487,250 | 1,360 |
| Average total loans | $420,941,750 | 1,328 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5715% | 1,925 |
| Cost of funding earning assets | 0.2261% | 2,569 |
| Net interest margin | 3.3454% | 1,775 |
| Noninterest income to average assets | 0.4111% | 2,684 |
| Noninterest expense to average assets | 2.2496% | 2,707 |
| Loan and lease loss provision to assets | 0.0466% | 1,733 |
| Net operating income to assets | 1.1703% | 1,534 |
| Return on assets (ROA) | 1.1703% | 1,512 |
| Pretax return on assets | 1.1703% | 2,169 |
| Return on Equity (ROE) | 11.2229% | 1,915 |
| Retained earnings to average equity (ytd only) | 2.5876% | 3,585 |
| Net charge-offs to loans | 0.0260% | 1,196 |
| Credit loss provision to net charge-offs | 277.7778% | 827 |
| Earnings coverage of net charge-offs (x) | 72.5741% | 984 |
| Efficiency ratio | 63.5167% | 2,839 |
| Assets per employee ($millions) | 6.7989% | 2,071 |
| Cash dividends to net income (ytd only)* | 76.9435% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 4,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.4100% | 1,973 |
| Net loans and leases to deposits | 74.2882% | 1,837 |
| Net loans and leases to core deposits | 78.4371% | 1,830 |
| Total domestic deposits to total assets | 85.3568% | 3,402 |
| Equity capital to assets | 8.7715% | 2,557 |
| Core capital (leverage) ratio | 10.8907% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0767% | 1,684 |
| Memoranda: | ||
| Average total assets | $644,100,333 | 1,395 |
| Average earning assets | $588,272,333 | 1,436 |
| Average equity | $67,166,000 | 1,322 |
| Average total loans | $415,966,667 | 1,334 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 1,590 |
| Cost of funding earning assets | 0.1906% | 2,939 |
| Net interest margin | 3.3795% | 1,355 |
| Noninterest income to average assets | 0.3971% | 2,710 |
| Noninterest expense to average assets | 2.2649% | 2,632 |
| Loan and lease loss provision to assets | 0.0349% | 1,738 |
| Net operating income to assets | 1.1728% | 1,319 |
| Return on assets (ROA) | 1.1728% | 1,317 |
| Pretax return on assets | 1.1728% | 1,908 |
| Return on Equity (ROE) | 10.3666% | 1,835 |
| Retained earnings to average equity (ytd only) | 2.5046% | 3,407 |
| Net charge-offs to loans | 0.0519% | 773 |
| Credit loss provision to net charge-offs | 103.7736% | 990 |
| Earnings coverage of net charge-offs (x) | 35.8679% | 1,056 |
| Efficiency ratio | 63.8127% | 3,048 |
| Assets per employee ($millions) | 6.5196% | 2,365 |
| Cash dividends to net income (ytd only)* | 75.8397% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,722 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.9756% | 1,624 |
| Net loans and leases to deposits | 73.0470% | 1,687 |
| Net loans and leases to core deposits | 76.8078% | 1,723 |
| Total domestic deposits to total assets | 87.5814% | 2,711 |
| Equity capital to assets | 10.4400% | 1,613 |
| Core capital (leverage) ratio | 11.0997% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4133% | 1,668 |
| Memoranda: | ||
| Average total assets | $629,605,000 | 1,434 |
| Average earning assets | $572,989,500 | 1,465 |
| Average equity | $71,229,000 | 1,310 |
| Average total loans | $408,845,500 | 1,346 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 1,863 |
| Cost of funding earning assets | 0.2540% | 2,878 |
| Net interest margin | 3.5469% | 1,612 |
| Noninterest income to average assets | 0.4411% | 2,852 |
| Noninterest expense to average assets | 2.4240% | 2,415 |
| Loan and lease loss provision to assets | 0.0990% | 1,261 |
| Net operating income to assets | 1.1497% | 2,110 |
| Return on assets (ROA) | 1.1923% | 2,011 |
| Pretax return on assets | 1.1923% | 2,689 |
| Return on Equity (ROE) | 9.4449% | 2,741 |
| Retained earnings to average equity (ytd only) | 1.8660% | 4,020 |
| Net charge-offs to loans | 0.0150% | 2,012 |
| Credit loss provision to net charge-offs | 1,052.6316% | 515 |
| Earnings coverage of net charge-offs (x) | 132.8070% | 731 |
| Efficiency ratio | 64.6171% | 2,458 |
| Assets per employee ($millions) | 6.3948% | 2,415 |
| Cash dividends to net income (ytd only)* | 80.2435% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,245 |
| Loan loss allowance to noncurrent loans | 1,406.8085% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,750 |
| Noncurrent loans to loans | 0.0579% | 3,662 |
| Net loans and leases to total assets | 64.8607% | 1,598 |
| Net loans and leases to deposits | 75.9509% | 1,576 |
| Net loans and leases to core deposits | 79.1004% | 1,666 |
| Total domestic deposits to total assets | 85.3981% | 3,134 |
| Equity capital to assets | 12.2128% | 1,164 |
| Core capital (leverage) ratio | 11.2423% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8946% | 1,549 |
| Memoranda: | ||
| Average total assets | $606,237,800 | 1,437 |
| Average earning assets | $552,341,400 | 1,468 |
| Average equity | $76,527,800 | 1,253 |
| Average total loans | $380,335,600 | 1,428 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 2,108 |
| Cost of funding earning assets | 0.2716% | 2,878 |
| Net interest margin | 3.4932% | 1,878 |
| Noninterest income to average assets | 0.4429% | 2,874 |
| Noninterest expense to average assets | 2.4344% | 2,330 |
| Loan and lease loss provision to assets | 0.0929% | 1,283 |
| Net operating income to assets | 1.0937% | 2,580 |
| Return on assets (ROA) | 1.1507% | 2,424 |
| Pretax return on assets | 1.1507% | 3,075 |
| Return on Equity (ROE) | 9.0403% | 3,094 |
| Retained earnings to average equity (ytd only) | 1.7413% | 4,262 |
| Net charge-offs to loans | 0.0214% | 1,623 |
| Credit loss provision to net charge-offs | 700.0000% | 639 |
| Earnings coverage of net charge-offs (x) | 89.4000% | 927 |
| Efficiency ratio | 65.8195% | 2,123 |
| Assets per employee ($millions) | 6.1524% | 2,544 |
| Cash dividends to net income (ytd only)* | 80.7382% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 4,384 |
| Loan loss allowance to noncurrent loans | 1,099.6479% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,838 |
| Noncurrent loans to loans | 0.0709% | 3,738 |
| Net loans and leases to total assets | 65.9609% | 1,555 |
| Net loans and leases to deposits | 77.3827% | 1,538 |
| Net loans and leases to core deposits | 80.9691% | 1,651 |
| Total domestic deposits to total assets | 85.2398% | 3,034 |
| Equity capital to assets | 12.6983% | 1,092 |
| Core capital (leverage) ratio | 11.4227% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8330% | 1,675 |
| Memoranda: | ||
| Average total assets | $602,724,500 | 1,461 |
| Average earning assets | $548,363,000 | 1,498 |
| Average equity | $76,721,000 | 1,268 |
| Average total loans | $374,011,750 | 1,471 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 2,384 |
| Cost of funding earning assets | 0.2885% | 2,887 |
| Net interest margin | 3.3950% | 2,152 |
| Noninterest income to average assets | 0.4347% | 2,928 |
| Noninterest expense to average assets | 2.4369% | 2,351 |
| Loan and lease loss provision to assets | 0.0946% | 1,324 |
| Net operating income to assets | 0.9890% | 2,927 |
| Return on assets (ROA) | 1.0650% | 2,737 |
| Pretax return on assets | 1.0650% | 3,302 |
| Return on Equity (ROE) | 8.3596% | 3,294 |
| Retained earnings to average equity (ytd only) | 1.8470% | 4,152 |
| Net charge-offs to loans | 0.0126% | 1,702 |
| Credit loss provision to net charge-offs | 1,239.1304% | 408 |
| Earnings coverage of net charge-offs (x) | 141.9565% | 611 |
| Efficiency ratio | 67.7696% | 1,906 |
| Assets per employee ($millions) | 5.9921% | 2,617 |
| Cash dividends to net income (ytd only)* | 77.9059% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,389 |
| Loan loss allowance to noncurrent loans | 783.6788% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,792 |
| Noncurrent loans to loans | 0.0999% | 3,685 |
| Net loans and leases to total assets | 63.9809% | 1,952 |
| Net loans and leases to deposits | 74.3243% | 1,972 |
| Net loans and leases to core deposits | 77.8298% | 2,061 |
| Total domestic deposits to total assets | 86.0834% | 2,713 |
| Equity capital to assets | 12.7067% | 1,045 |
| Core capital (leverage) ratio | 11.4175% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2137% | 1,558 |
| Memoranda: | ||
| Average total assets | $602,653,000 | 1,453 |
| Average earning assets | $547,752,333 | 1,491 |
| Average equity | $76,773,667 | 1,259 |
| Average total loans | $365,073,333 | 1,503 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 2,716 |
| Cost of funding earning assets | 0.3178% | 2,819 |
| Net interest margin | 3.2579% | 2,520 |
| Noninterest income to average assets | 0.4090% | 3,043 |
| Noninterest expense to average assets | 2.3998% | 2,490 |
| Loan and lease loss provision to assets | 0.0066% | 2,680 |
| Net operating income to assets | 0.9610% | 2,927 |
| Return on assets (ROA) | 1.0821% | 2,614 |
| Pretax return on assets | 1.0821% | 3,157 |
| Return on Equity (ROE) | 8.4835% | 3,191 |
| Retained earnings to average equity (ytd only) | 1.2193% | 4,174 |
| Net charge-offs to loans | -0.0361% | 4,262 |
| Credit loss provision to net charge-offs | -31.2500% | 2,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7524% | 1,736 |
| Assets per employee ($millions) | 5.8564% | 2,739 |
| Cash dividends to net income (ytd only)* | 85.6269% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,462 |
| Loan loss allowance to noncurrent loans | 1,484.1270% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,136 |
| Noncurrent loans to loans | 0.0517% | 4,032 |
| Net loans and leases to total assets | 60.1220% | 2,531 |
| Net loans and leases to deposits | 69.6385% | 2,546 |
| Net loans and leases to core deposits | 72.9221% | 2,620 |
| Total domestic deposits to total assets | 86.3345% | 2,612 |
| Equity capital to assets | 12.5128% | 1,076 |
| Core capital (leverage) ratio | 11.2172% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9613% | 1,294 |
| Memoranda: | ||
| Average total assets | $604,373,500 | 1,439 |
| Average earning assets | $548,813,000 | 1,474 |
| Average equity | $77,090,500 | 1,250 |
| Average total loans | $354,407,000 | 1,547 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 2,080 |
| Cost of funding earning assets | 0.5560% | 2,573 |
| Net interest margin | 3.6631% | 1,933 |
| Noninterest income to average assets | 0.3957% | 3,113 |
| Noninterest expense to average assets | 2.5068% | 2,830 |
| Loan and lease loss provision to assets | 0.0347% | 3,970 |
| Net operating income to assets | 1.1594% | 1,690 |
| Return on assets (ROA) | 1.2087% | 1,630 |
| Pretax return on assets | 1.2087% | 2,296 |
| Return on Equity (ROE) | 8.9915% | 2,397 |
| Retained earnings to average equity (ytd only) | 1.7621% | 3,919 |
| Net charge-offs to loans | 0.0003% | 3,436 |
| Credit loss provision to net charge-offs | 20,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 6,881.0000% | 10 |
| Efficiency ratio | 66.2900% | 2,486 |
| Assets per employee ($millions) | 5.8225% | 2,524 |
| Cash dividends to net income (ytd only)* | 80.4020% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,417 |
| Loan loss allowance to noncurrent loans | 1,477.5401% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,206 |
| Noncurrent loans to loans | 0.0545% | 4,074 |
| Net loans and leases to total assets | 56.2450% | 3,274 |
| Net loans and leases to deposits | 67.1556% | 3,167 |
| Net loans and leases to core deposits | 70.2780% | 3,238 |
| Total domestic deposits to total assets | 83.7532% | 3,183 |
| Equity capital to assets | 12.9971% | 1,086 |
| Core capital (leverage) ratio | 11.4983% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7641% | 1,096 |
| Memoranda: | ||
| Average total assets | $576,240,200 | 1,378 |
| Average earning assets | $519,936,000 | 1,409 |
| Average equity | $77,462,400 | 1,188 |
| Average total loans | $347,597,400 | 1,515 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,050 |
| Cost of funding earning assets | 0.6102% | 2,551 |
| Net interest margin | 3.7051% | 1,925 |
| Noninterest income to average assets | 0.3963% | 3,100 |
| Noninterest expense to average assets | 2.5491% | 2,695 |
| Loan and lease loss provision to assets | 0.0445% | 3,800 |
| Net operating income to assets | 1.1441% | 1,841 |
| Return on assets (ROA) | 1.2016% | 1,758 |
| Pretax return on assets | 1.2016% | 2,381 |
| Return on Equity (ROE) | 8.8602% | 2,454 |
| Retained earnings to average equity (ytd only) | 2.6389% | 3,670 |
| Net charge-offs to loans | -0.0019% | 3,879 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7503% | 2,361 |
| Assets per employee ($millions) | 5.6133% | 2,616 |
| Cash dividends to net income (ytd only)* | 70.2165% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,360 |
| Loan loss allowance to noncurrent loans | 1,999.2754% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,287 |
| Noncurrent loans to loans | 0.0401% | 4,230 |
| Net loans and leases to total assets | 57.9002% | 3,428 |
| Net loans and leases to deposits | 70.7900% | 3,235 |
| Net loans and leases to core deposits | 74.3733% | 3,292 |
| Total domestic deposits to total assets | 81.7915% | 3,474 |
| Equity capital to assets | 13.3817% | 1,034 |
| Core capital (leverage) ratio | 11.4498% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4968% | 973 |
| Memoranda: | ||
| Average total assets | $568,914,750 | 1,372 |
| Average earning assets | $513,082,000 | 1,411 |
| Average equity | $77,152,250 | 1,185 |
| Average total loans | $348,659,250 | 1,504 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,222 |
| Cost of funding earning assets | 0.6714% | 2,548 |
| Net interest margin | 3.7266% | 2,066 |
| Noninterest income to average assets | 0.3967% | 3,097 |
| Noninterest expense to average assets | 2.5540% | 2,814 |
| Loan and lease loss provision to assets | 0.0320% | 3,865 |
| Net operating income to assets | 1.1660% | 1,739 |
| Return on assets (ROA) | 1.1913% | 1,795 |
| Pretax return on assets | 1.1913% | 2,390 |
| Return on Equity (ROE) | 8.7439% | 2,476 |
| Retained earnings to average equity (ytd only) | 2.4759% | 3,590 |
| Net charge-offs to loans | -0.0029% | 3,878 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6098% | 2,430 |
| Assets per employee ($millions) | 5.5129% | 2,627 |
| Cash dividends to net income (ytd only)* | 71.6846% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,461 |
| Loan loss allowance to noncurrent loans | 2,921.9780% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,372 |
| Noncurrent loans to loans | 0.0257% | 4,380 |
| Net loans and leases to total assets | 60.1258% | 3,308 |
| Net loans and leases to deposits | 74.1617% | 3,064 |
| Net loans and leases to core deposits | 78.2228% | 3,087 |
| Total domestic deposits to total assets | 81.0740% | 3,586 |
| Equity capital to assets | 13.4220% | 1,003 |
| Core capital (leverage) ratio | 11.6012% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9276% | 1,068 |
| Memoranda: | ||
| Average total assets | $562,088,000 | 1,370 |
| Average earning assets | $506,091,000 | 1,405 |
| Average equity | $76,579,333 | 1,182 |
| Average total loans | $350,205,667 | 1,490 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 2,334 |
| Cost of funding earning assets | 0.7711% | 2,540 |
| Net interest margin | 3.7195% | 2,263 |
| Noninterest income to average assets | 0.4109% | 3,024 |
| Noninterest expense to average assets | 2.5825% | 3,034 |
| Loan and lease loss provision to assets | 0.0290% | 3,418 |
| Net operating income to assets | 1.1370% | 1,733 |
| Return on assets (ROA) | 1.1892% | 1,668 |
| Pretax return on assets | 1.1892% | 2,234 |
| Return on Equity (ROE) | 8.6607% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.3159% | 3,329 |
| Net charge-offs to loans | -0.0034% | 3,756 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4027% | 2,756 |
| Assets per employee ($millions) | 5.3248% | 2,300 |
| Cash dividends to net income (ytd only)* | 73.2601% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 4,524 |
| Loan loss allowance to noncurrent loans | 2,660.2041% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,420 |
| Noncurrent loans to loans | 0.0281% | 4,451 |
| Net loans and leases to total assets | 62.4168% | 3,251 |
| Net loans and leases to deposits | 78.0135% | 2,888 |
| Net loans and leases to core deposits | 82.5013% | 2,977 |
| Total domestic deposits to total assets | 80.0076% | 3,860 |
| Equity capital to assets | 13.8574% | 1,108 |
| Core capital (leverage) ratio | 12.0730% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4576% | 1,240 |
| Memoranda: | ||
| Average total assets | $550,946,500 | 1,353 |
| Average earning assets | $494,367,000 | 1,395 |
| Average equity | $75,652,000 | 1,193 |
| Average total loans | $348,300,000 | 1,460 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 3,052 |
| Cost of funding earning assets | 0.9005% | 2,186 |
| Net interest margin | 3.5674% | 3,236 |
| Noninterest income to average assets | 0.4439% | 3,036 |
| Noninterest expense to average assets | 2.5195% | 3,389 |
| Loan and lease loss provision to assets | 0.0682% | 2,646 |
| Net operating income to assets | 1.0648% | 2,602 |
| Return on assets (ROA) | 1.0867% | 2,591 |
| Pretax return on assets | 1.0867% | 3,211 |
| Return on Equity (ROE) | 8.3732% | 3,006 |
| Retained earnings to average equity (ytd only) | 1.1919% | 4,315 |
| Net charge-offs to loans | 0.1215% | 1,543 |
| Credit loss provision to net charge-offs | 94.5946% | 2,597 |
| Earnings coverage of net charge-offs (x) | 15.7101% | 2,213 |
| Efficiency ratio | 67.4865% | 2,533 |
| Assets per employee ($millions) | 5.2202% | 2,326 |
| Cash dividends to net income (ytd only)* | 85.7655% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 4,494 |
| Loan loss allowance to noncurrent loans | 2,589.8990% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,422 |
| Noncurrent loans to loans | 0.0284% | 4,451 |
| Net loans and leases to total assets | 63.0851% | 3,308 |
| Net loans and leases to deposits | 77.9637% | 3,009 |
| Net loans and leases to core deposits | 82.6560% | 3,073 |
| Total domestic deposits to total assets | 80.9159% | 3,785 |
| Equity capital to assets | 13.6038% | 1,244 |
| Core capital (leverage) ratio | 11.9331% | 1,818 |
| Tier 1 risk-based capital ratio | 16.9027% | 2,080 |
| Total risk-based capital ratio | 17.5695% | 2,230 |
| Memoranda: | ||
| Average total assets | $564,353,000 | 1,281 |
| Average earning assets | $507,599,600 | 1,313 |
| Average equity | $73,245,800 | 1,178 |
| Average total loans | $335,103,000 | 1,482 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 3,279 |
| Cost of funding earning assets | 0.9169% | 2,151 |
| Net interest margin | 3.5077% | 3,538 |
| Noninterest income to average assets | 0.4403% | 3,079 |
| Noninterest expense to average assets | 2.5033% | 3,429 |
| Loan and lease loss provision to assets | 0.0798% | 2,313 |
| Net operating income to assets | 1.0150% | 2,926 |
| Return on assets (ROA) | 1.0445% | 2,891 |
| Pretax return on assets | 1.0445% | 3,462 |
| Return on Equity (ROE) | 8.1425% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.1014% | 3,347 |
| Net charge-offs to loans | 0.1640% | 1,030 |
| Credit loss provision to net charge-offs | 83.3333% | 2,459 |
| Earnings coverage of net charge-offs (x) | 11.4386% | 2,443 |
| Efficiency ratio | 68.0683% | 2,409 |
| Assets per employee ($millions) | 5.0980% | 2,447 |
| Cash dividends to net income (ytd only)* | 49.6295% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,583 |
| Loan loss allowance to noncurrent loans | 2,797.7778% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,460 |
| Noncurrent loans to loans | 0.0261% | 4,557 |
| Net loans and leases to total assets | 61.5715% | 3,539 |
| Net loans and leases to deposits | 77.0331% | 3,199 |
| Net loans and leases to core deposits | 81.6137% | 3,273 |
| Total domestic deposits to total assets | 79.9287% | 4,005 |
| Equity capital to assets | 13.6332% | 1,300 |
| Core capital (leverage) ratio | 12.0561% | 1,815 |
| Tier 1 risk-based capital ratio | 17.2962% | 2,000 |
| Total risk-based capital ratio | 17.9532% | 2,123 |
| Memoranda: | ||
| Average total assets | $568,412,000 | 1,280 |
| Average earning assets | $511,695,750 | 1,310 |
| Average equity | $72,916,000 | 1,174 |
| Average total loans | $331,792,750 | 1,496 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 3,426 |
| Cost of funding earning assets | 0.9412% | 1,962 |
| Net interest margin | 3.4262% | 3,812 |
| Noninterest income to average assets | 0.4268% | 3,087 |
| Noninterest expense to average assets | 2.4860% | 3,526 |
| Loan and lease loss provision to assets | 0.0803% | 2,224 |
| Net operating income to assets | 0.9486% | 3,097 |
| Return on assets (ROA) | 0.9796% | 3,063 |
| Pretax return on assets | 0.9796% | 3,616 |
| Return on Equity (ROE) | 7.7950% | 3,380 |
| Retained earnings to average equity (ytd only) | 3.5988% | 3,453 |
| Net charge-offs to loans | 0.2492% | 677 |
| Credit loss provision to net charge-offs | 56.3725% | 2,427 |
| Earnings coverage of net charge-offs (x) | 7.2206% | 2,506 |
| Efficiency ratio | 69.1971% | 2,349 |
| Assets per employee ($millions) | 4.9452% | 2,543 |
| Cash dividends to net income (ytd only)* | 53.8324% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7347% | 4,638 |
| Loan loss allowance to noncurrent loans | 1,783.7037% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,472 |
| Noncurrent loans to loans | 0.0412% | 4,502 |
| Net loans and leases to total assets | 57.2105% | 3,989 |
| Net loans and leases to deposits | 71.1663% | 3,755 |
| Net loans and leases to core deposits | 76.3178% | 3,700 |
| Total domestic deposits to total assets | 80.3899% | 3,961 |
| Equity capital to assets | 13.1851% | 1,498 |
| Core capital (leverage) ratio | 11.6582% | 2,052 |
| Tier 1 risk-based capital ratio | 17.6574% | 1,891 |
| Total risk-based capital ratio | 18.3090% | 2,017 |
| Memoranda: | ||
| Average total assets | $572,656,330 | 1,273 |
| Average earning assets | $516,133,000 | 1,301 |
| Average equity | $71,969,000 | 1,184 |
| Average total loans | $327,504,330 | 1,524 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 3,398 |
| Cost of funding earning assets | 0.9628% | 1,733 |
| Net interest margin | 3.3888% | 3,918 |
| Noninterest income to average assets | 0.4135% | 3,086 |
| Noninterest expense to average assets | 2.4530% | 3,625 |
| Loan and lease loss provision to assets | 0.0835% | 2,034 |
| Net operating income to assets | 0.9321% | 3,119 |
| Return on assets (ROA) | 0.9892% | 2,927 |
| Pretax return on assets | 0.9892% | 3,480 |
| Return on Equity (ROE) | 8.0668% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.3834% | 3,564 |
| Net charge-offs to loans | -0.0037% | 3,953 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1752% | 2,479 |
| Assets per employee ($millions) | 5.2280% | 2,251 |
| Cash dividends to net income (ytd only)* | 58.0577% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 4,424 |
| Loan loss allowance to noncurrent loans | 390.9091% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 4,130 |
| Noncurrent loans to loans | 0.2120% | 3,828 |
| Net loans and leases to total assets | 56.3739% | 4,037 |
| Net loans and leases to deposits | 70.1533% | 3,754 |
| Net loans and leases to core deposits | 75.4956% | 3,692 |
| Total domestic deposits to total assets | 80.3581% | 4,102 |
| Equity capital to assets | 12.4472% | 1,770 |
| Core capital (leverage) ratio | 11.3393% | 2,253 |
| Tier 1 risk-based capital ratio | 17.3719% | 1,987 |
| Total risk-based capital ratio | 18.1018% | 2,107 |
| Memoranda: | ||
| Average total assets | $574,633,000 | 1,271 |
| Average earning assets | $518,053,500 | 1,300 |
| Average equity | $70,461,500 | 1,200 |
| Average total loans | $327,373,500 | 1,531 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,563 |
| Cost of funding earning assets | 0.8080% | 1,480 |
| Net interest margin | 3.3482% | 4,133 |
| Noninterest income to average assets | 0.4217% | 3,302 |
| Noninterest expense to average assets | 2.4161% | 3,843 |
| Loan and lease loss provision to assets | 0.0721% | 2,693 |
| Net operating income to assets | 0.9603% | 3,179 |
| Return on assets (ROA) | 0.9647% | 3,158 |
| Pretax return on assets | 0.9647% | 3,715 |
| Return on Equity (ROE) | 8.5230% | 3,209 |
| Retained earnings to average equity (ytd only) | 4.5515% | 3,023 |
| Net charge-offs to loans | 0.1489% | 1,287 |
| Credit loss provision to net charge-offs | 85.0000% | 2,785 |
| Earnings coverage of net charge-offs (x) | 12.1720% | 2,558 |
| Efficiency ratio | 68.5474% | 2,461 |
| Assets per employee ($millions) | 5.2199% | 2,245 |
| Cash dividends to net income (ytd only)* | 46.5975% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,571 |
| Loan loss allowance to noncurrent loans | 310.4442% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 4,027 |
| Noncurrent loans to loans | 0.2541% | 3,672 |
| Net loans and leases to total assets | 56.6466% | 4,080 |
| Net loans and leases to deposits | 71.2551% | 3,726 |
| Net loans and leases to core deposits | 76.6386% | 3,670 |
| Total domestic deposits to total assets | 79.4984% | 4,213 |
| Equity capital to assets | 12.0765% | 1,844 |
| Core capital (leverage) ratio | 11.0962% | 2,439 |
| Tier 1 risk-based capital ratio | 17.3349% | 1,942 |
| Total risk-based capital ratio | 18.0374% | 2,083 |
| Memoranda: | ||
| Average total assets | $589,512,400 | 1,223 |
| Average earning assets | $532,913,400 | 1,244 |
| Average equity | $66,725,600 | 1,210 |
| Average total loans | $335,904,600 | 1,459 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,707 |
| Cost of funding earning assets | 0.7723% | 1,466 |
| Net interest margin | 3.3063% | 4,258 |
| Noninterest income to average assets | 0.4166% | 3,379 |
| Noninterest expense to average assets | 2.4071% | 3,840 |
| Loan and lease loss provision to assets | 0.0786% | 2,379 |
| Net operating income to assets | 0.9215% | 3,425 |
| Return on assets (ROA) | 0.9296% | 3,401 |
| Pretax return on assets | 0.9296% | 3,923 |
| Return on Equity (ROE) | 8.3483% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.3628% | 3,575 |
| Net charge-offs to loans | 0.1689% | 981 |
| Credit loss provision to net charge-offs | 81.7757% | 2,509 |
| Earnings coverage of net charge-offs (x) | 10.3996% | 2,587 |
| Efficiency ratio | 69.1222% | 2,339 |
| Assets per employee ($millions) | 5.3190% | 2,104 |
| Cash dividends to net income (ytd only)* | 47.7400% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,687 |
| Loan loss allowance to noncurrent loans | 165.6831% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 3,560 |
| Noncurrent loans to loans | 0.4719% | 2,973 |
| Net loans and leases to total assets | 56.0273% | 4,217 |
| Net loans and leases to deposits | 70.6213% | 3,872 |
| Net loans and leases to core deposits | 75.9205% | 3,810 |
| Total domestic deposits to total assets | 79.3349% | 4,246 |
| Equity capital to assets | 11.2404% | 2,436 |
| Core capital (leverage) ratio | 10.7897% | 2,804 |
| Tier 1 risk-based capital ratio | 16.8871% | 2,139 |
| Total risk-based capital ratio | 17.5810% | 2,268 |
| Memoranda: | ||
| Average total assets | $593,343,500 | 1,217 |
| Average earning assets | $536,704,750 | 1,240 |
| Average equity | $66,071,500 | 1,222 |
| Average total loans | $337,919,750 | 1,450 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 3,845 |
| Cost of funding earning assets | 0.7372% | 1,437 |
| Net interest margin | 3.2424% | 4,401 |
| Noninterest income to average assets | 0.4103% | 3,421 |
| Noninterest expense to average assets | 2.3751% | 3,967 |
| Loan and lease loss provision to assets | 0.0721% | 2,443 |
| Net operating income to assets | 0.8968% | 3,466 |
| Return on assets (ROA) | 0.9069% | 3,435 |
| Pretax return on assets | 0.9069% | 3,943 |
| Return on Equity (ROE) | 8.1695% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.2404% | 3,485 |
| Net charge-offs to loans | 0.1551% | 997 |
| Credit loss provision to net charge-offs | 81.4394% | 2,241 |
| Earnings coverage of net charge-offs (x) | 10.9394% | 2,302 |
| Efficiency ratio | 69.4793% | 2,398 |
| Assets per employee ($millions) | 5.4466% | 1,947 |
| Cash dividends to net income (ytd only)* | 48.0947% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 4,806 |
| Loan loss allowance to noncurrent loans | 60.4770% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,011 |
| Noncurrent loans to loans | 1.2575% | 1,365 |
| Net loans and leases to total assets | 57.4146% | 4,046 |
| Net loans and leases to deposits | 71.8934% | 3,723 |
| Net loans and leases to core deposits | 77.4932% | 3,618 |
| Total domestic deposits to total assets | 79.8607% | 4,259 |
| Equity capital to assets | 11.0574% | 2,582 |
| Core capital (leverage) ratio | 10.5335% | 2,999 |
| Tier 1 risk-based capital ratio | 16.2860% | 2,339 |
| Total risk-based capital ratio | 16.9718% | 2,487 |
| Memoranda: | ||
| Average total assets | $596,093,670 | 1,208 |
| Average earning assets | $539,357,330 | 1,241 |
| Average equity | $66,173,000 | 1,217 |
| Average total loans | $340,428,000 | 1,439 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 4,016 |
| Cost of funding earning assets | 0.6823% | 1,536 |
| Net interest margin | 3.1879% | 4,510 |
| Noninterest income to average assets | 0.4125% | 3,377 |
| Noninterest expense to average assets | 2.3640% | 4,035 |
| Loan and lease loss provision to assets | 0.0603% | 2,563 |
| Net operating income to assets | 0.8699% | 3,415 |
| Return on assets (ROA) | 0.8867% | 3,359 |
| Pretax return on assets | 0.8867% | 3,887 |
| Return on Equity (ROE) | 7.9715% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,819 |
| Net charge-offs to loans | -0.0024% | 3,830 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1972% | 2,460 |
| Assets per employee ($millions) | 5.6528% | 1,802 |
| Cash dividends to net income (ytd only)* | 56.6465% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 4,745 |
| Loan loss allowance to noncurrent loans | 59.8739% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 2,029 |
| Noncurrent loans to loans | 1.3626% | 1,313 |
| Net loans and leases to total assets | 54.8231% | 4,216 |
| Net loans and leases to deposits | 68.3008% | 3,927 |
| Net loans and leases to core deposits | 72.9242% | 3,888 |
| Total domestic deposits to total assets | 80.2671% | 4,373 |
| Equity capital to assets | 10.6960% | 2,875 |
| Core capital (leverage) ratio | 10.6003% | 2,850 |
| Tier 1 risk-based capital ratio | 15.9343% | 2,508 |
| Total risk-based capital ratio | 16.6521% | 2,636 |
| Memoranda: | ||
| Average total assets | $597,303,000 | 1,217 |
| Average earning assets | $539,925,000 | 1,246 |
| Average equity | $66,437,000 | 1,214 |
| Average total loans | $338,908,000 | 1,451 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9141% | 3,675 |
| Cost of funding earning assets | 0.6169% | 1,493 |
| Net interest margin | 3.2972% | 4,173 |
| Noninterest income to average assets | 0.4873% | 3,080 |
| Noninterest expense to average assets | 2.4517% | 3,932 |
| Loan and lease loss provision to assets | 0.0613% | 3,006 |
| Net operating income to assets | 0.9459% | 2,469 |
| Return on assets (ROA) | 0.9727% | 2,399 |
| Pretax return on assets | 0.9727% | 3,667 |
| Return on Equity (ROE) | 8.4250% | 2,592 |
| Retained earnings to average equity (ytd only) | 3.8649% | 2,892 |
| Net charge-offs to loans | -0.0009% | 4,489 |
| Credit loss provision to net charge-offs | -11,833.3333% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2933% | 2,652 |
| Assets per employee ($millions) | 5.5104% | 1,927 |
| Cash dividends to net income (ytd only)* | 54.1260% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,880 |
| Loan loss allowance to noncurrent loans | 65.2686% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 2,184 |
| Noncurrent loans to loans | 1.1978% | 1,484 |
| Net loans and leases to total assets | 57.8161% | 4,021 |
| Net loans and leases to deposits | 72.0730% | 3,696 |
| Net loans and leases to core deposits | 76.6829% | 3,690 |
| Total domestic deposits to total assets | 80.2188% | 4,298 |
| Equity capital to assets | 11.5690% | 2,139 |
| Core capital (leverage) ratio | 10.6166% | 2,720 |
| Tier 1 risk-based capital ratio | 15.7706% | 2,524 |
| Total risk-based capital ratio | 16.4676% | 2,669 |
| Memoranda: | ||
| Average total assets | $579,314,800 | 1,233 |
| Average earning assets | $522,112,600 | 1,253 |
| Average equity | $66,884,400 | 1,193 |
| Average total loans | $330,438,000 | 1,447 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 3,703 |
| Cost of funding earning assets | 0.6038% | 1,505 |
| Net interest margin | 3.2890% | 4,204 |
| Noninterest income to average assets | 0.4080% | 3,632 |
| Noninterest expense to average assets | 2.4382% | 3,922 |
| Loan and lease loss provision to assets | 0.0611% | 2,852 |
| Net operating income to assets | 0.8736% | 3,156 |
| Return on assets (ROA) | 0.9094% | 3,044 |
| Pretax return on assets | 0.9094% | 4,012 |
| Return on Equity (ROE) | 7.8805% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.6834% | 3,735 |
| Net charge-offs to loans | -0.0033% | 4,384 |
| Credit loss provision to net charge-offs | -3,312.5000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6530% | 2,423 |
| Assets per employee ($millions) | 5.2707% | 2,150 |
| Cash dividends to net income (ytd only)* | 53.2590% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 4,984 |
| Loan loss allowance to noncurrent loans | 54.5185% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 1,885 |
| Noncurrent loans to loans | 1.4073% | 1,326 |
| Net loans and leases to total assets | 57.9944% | 4,058 |
| Net loans and leases to deposits | 71.6695% | 3,809 |
| Net loans and leases to core deposits | 76.4471% | 3,768 |
| Total domestic deposits to total assets | 80.9192% | 4,069 |
| Equity capital to assets | 11.8478% | 2,077 |
| Core capital (leverage) ratio | 10.5605% | 2,922 |
| Tier 1 risk-based capital ratio | 16.0284% | 2,490 |
| Total risk-based capital ratio | 16.7231% | 2,668 |
| Memoranda: | ||
| Average total assets | $578,117,500 | 1,244 |
| Average earning assets | $521,162,750 | 1,264 |
| Average equity | $66,711,750 | 1,202 |
| Average total loans | $327,955,750 | 1,466 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,610 |
| Cost of funding earning assets | 0.5848% | 1,543 |
| Net interest margin | 3.2991% | 4,108 |
| Noninterest income to average assets | 0.3991% | 3,697 |
| Noninterest expense to average assets | 2.4180% | 3,997 |
| Loan and lease loss provision to assets | 0.0604% | 2,756 |
| Net operating income to assets | 0.8945% | 2,937 |
| Return on assets (ROA) | 0.9352% | 2,802 |
| Pretax return on assets | 0.9352% | 3,809 |
| Return on Equity (ROE) | 8.1768% | 2,928 |
| Retained earnings to average equity (ytd only) | 4.1020% | 3,264 |
| Net charge-offs to loans | 0.0049% | 3,296 |
| Credit loss provision to net charge-offs | 2,187.5000% | 196 |
| Earnings coverage of net charge-offs (x) | 345.7500% | 246 |
| Efficiency ratio | 70.0614% | 2,660 |
| Assets per employee ($millions) | 5.3610% | 2,001 |
| Cash dividends to net income (ytd only)* | 49.8339% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 5,125 |
| Loan loss allowance to noncurrent loans | 55.2696% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 2,068 |
| Noncurrent loans to loans | 1.3287% | 1,458 |
| Net loans and leases to total assets | 57.6664% | 4,069 |
| Net loans and leases to deposits | 72.1147% | 3,723 |
| Net loans and leases to core deposits | 76.6341% | 3,715 |
| Total domestic deposits to total assets | 79.9648% | 4,422 |
| Equity capital to assets | 11.6758% | 2,170 |
| Core capital (leverage) ratio | 10.3456% | 3,081 |
| Tier 1 risk-based capital ratio | 15.7205% | 2,612 |
| Total risk-based capital ratio | 16.3798% | 2,806 |
| Memoranda: | ||
| Average total assets | $579,322,000 | 1,247 |
| Average earning assets | $522,197,330 | 1,272 |
| Average equity | $66,260,330 | 1,209 |
| Average total loans | $325,355,670 | 1,477 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,099 |
| Cost of funding earning assets | 0.5539% | 1,689 |
| Net interest margin | 3.4306% | 3,524 |
| Noninterest income to average assets | 0.3865% | 3,761 |
| Noninterest expense to average assets | 2.4194% | 4,061 |
| Loan and lease loss provision to assets | 0.0656% | 2,486 |
| Net operating income to assets | 0.9926% | 2,336 |
| Return on assets (ROA) | 0.9926% | 2,390 |
| Pretax return on assets | 0.9926% | 3,400 |
| Return on Equity (ROE) | 8.7697% | 2,527 |
| Retained earnings to average equity (ytd only) | 4.1958% | 3,357 |
| Net charge-offs to loans | -0.0025% | 4,032 |
| Credit loss provision to net charge-offs | -4,750.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9833% | 3,200 |
| Assets per employee ($millions) | 5.4462% | 1,943 |
| Cash dividends to net income (ytd only)* | 52.1558% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 5,225 |
| Loan loss allowance to noncurrent loans | 161.7251% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 3,897 |
| Noncurrent loans to loans | 0.4580% | 3,458 |
| Net loans and leases to total assets | 55.1906% | 4,240 |
| Net loans and leases to deposits | 68.9331% | 3,899 |
| Net loans and leases to core deposits | 73.1296% | 3,905 |
| Total domestic deposits to total assets | 80.0640% | 4,605 |
| Equity capital to assets | 11.3356% | 2,317 |
| Core capital (leverage) ratio | 10.2264% | 3,212 |
| Tier 1 risk-based capital ratio | 16.0779% | 2,515 |
| Total risk-based capital ratio | 16.7414% | 2,689 |
| Memoranda: | ||
| Average total assets | $579,487,000 | 1,247 |
| Average earning assets | $522,120,000 | 1,268 |
| Average equity | $65,589,500 | 1,214 |
| Average total loans | $319,856,500 | 1,500 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 3,837 |
| Cost of funding earning assets | 0.4978% | 2,108 |
| Net interest margin | 3.3220% | 4,077 |
| Noninterest income to average assets | 0.4035% | 3,855 |
| Noninterest expense to average assets | 2.4690% | 4,107 |
| Loan and lease loss provision to assets | 0.0220% | 3,932 |
| Net operating income to assets | 0.8971% | 2,840 |
| Return on assets (ROA) | 0.9634% | 2,626 |
| Pretax return on assets | 0.9634% | 3,604 |
| Return on Equity (ROE) | 8.3380% | 2,764 |
| Retained earnings to average equity (ytd only) | 4.8397% | 2,452 |
| Net charge-offs to loans | 0.0277% | 3,477 |
| Credit loss provision to net charge-offs | 145.3488% | 1,886 |
| Earnings coverage of net charge-offs (x) | 60.8140% | 877 |
| Efficiency ratio | 70.6950% | 2,793 |
| Assets per employee ($millions) | 5.2865% | 2,078 |
| Cash dividends to net income (ytd only)* | 41.9555% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 5,295 |
| Loan loss allowance to noncurrent loans | 168.5944% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,500 |
| Noncurrent loans to loans | 0.4327% | 3,592 |
| Net loans and leases to total assets | 54.3863% | 4,406 |
| Net loans and leases to deposits | 68.5660% | 4,046 |
| Net loans and leases to core deposits | 72.5427% | 4,049 |
| Total domestic deposits to total assets | 79.3196% | 4,714 |
| Equity capital to assets | 11.3013% | 2,325 |
| Core capital (leverage) ratio | 10.3274% | 3,074 |
| Tier 1 risk-based capital ratio | 16.1930% | 2,474 |
| Total risk-based capital ratio | 16.8423% | 2,642 |
| Memoranda: | ||
| Average total assets | $569,053,400 | 1,226 |
| Average earning assets | $511,264,800 | 1,253 |
| Average equity | $65,747,200 | 1,195 |
| Average total loans | $310,794,800 | 1,475 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 3,840 |
| Cost of funding earning assets | 0.4929% | 2,147 |
| Net interest margin | 3.3353% | 4,075 |
| Noninterest income to average assets | 0.4391% | 3,640 |
| Noninterest expense to average assets | 2.4903% | 4,011 |
| Loan and lease loss provision to assets | 0.0200% | 3,841 |
| Net operating income to assets | 0.9251% | 2,781 |
| Return on assets (ROA) | 1.0137% | 2,507 |
| Pretax return on assets | 1.0137% | 3,584 |
| Return on Equity (ROE) | 8.7256% | 2,644 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,566 |
| Net charge-offs to loans | 0.0362% | 2,905 |
| Credit loss provision to net charge-offs | 101.1905% | 2,326 |
| Earnings coverage of net charge-offs (x) | 47.8679% | 1,113 |
| Efficiency ratio | 70.3339% | 2,841 |
| Assets per employee ($millions) | 5.1341% | 2,213 |
| Cash dividends to net income (ytd only)* | 38.3724% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 5,401 |
| Loan loss allowance to noncurrent loans | 156.8560% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 3,425 |
| Noncurrent loans to loans | 0.4553% | 3,651 |
| Net loans and leases to total assets | 56.2725% | 4,278 |
| Net loans and leases to deposits | 67.7136% | 4,179 |
| Net loans and leases to core deposits | 71.5135% | 4,200 |
| Total domestic deposits to total assets | 83.1037% | 3,545 |
| Equity capital to assets | 12.0906% | 2,049 |
| Core capital (leverage) ratio | 10.3839% | 3,122 |
| Tier 1 risk-based capital ratio | 16.1873% | 2,547 |
| Total risk-based capital ratio | 16.8329% | 2,735 |
| Memoranda: | ||
| Average total assets | $567,259,750 | 1,229 |
| Average earning assets | $509,608,250 | 1,261 |
| Average equity | $65,903,750 | 1,196 |
| Average total loans | $309,570,500 | 1,487 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 3,943 |
| Cost of funding earning assets | 0.4927% | 2,163 |
| Net interest margin | 3.3108% | 4,191 |
| Noninterest income to average assets | 0.4296% | 3,664 |
| Noninterest expense to average assets | 2.4714% | 4,112 |
| Loan and lease loss provision to assets | 0.0123% | 3,855 |
| Net operating income to assets | 0.9200% | 2,770 |
| Return on assets (ROA) | 1.0442% | 2,331 |
| Pretax return on assets | 1.0442% | 3,417 |
| Return on Equity (ROE) | 9.1093% | 2,448 |
| Retained earnings to average equity (ytd only) | 6.0626% | 2,083 |
| Net charge-offs to loans | 0.0169% | 3,175 |
| Credit loss provision to net charge-offs | 134.6154% | 1,734 |
| Earnings coverage of net charge-offs (x) | 102.1538% | 567 |
| Efficiency ratio | 70.4445% | 2,912 |
| Assets per employee ($millions) | 4.8207% | 2,533 |
| Cash dividends to net income (ytd only)* | 33.4454% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 5,421 |
| Loan loss allowance to noncurrent loans | 157.4100% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 3,463 |
| Noncurrent loans to loans | 0.4735% | 3,665 |
| Net loans and leases to total assets | 54.5974% | 4,451 |
| Net loans and leases to deposits | 65.5307% | 4,385 |
| Net loans and leases to core deposits | 68.8582% | 4,412 |
| Total domestic deposits to total assets | 83.3157% | 3,537 |
| Equity capital to assets | 12.0980% | 2,055 |
| Core capital (leverage) ratio | 10.1304% | 3,411 |
| Tier 1 risk-based capital ratio | 16.4823% | 2,440 |
| Total risk-based capital ratio | 17.1510% | 2,630 |
| Memoranda: | ||
| Average total assets | $569,807,000 | 1,232 |
| Average earning assets | $511,836,670 | 1,260 |
| Average equity | $65,318,000 | 1,205 |
| Average total loans | $307,035,330 | 1,495 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,838 |
| Cost of funding earning assets | 0.4905% | 2,177 |
| Net interest margin | 3.3404% | 4,077 |
| Noninterest income to average assets | 0.4059% | 3,781 |
| Noninterest expense to average assets | 2.4297% | 4,293 |
| Loan and lease loss provision to assets | 0.0104% | 3,556 |
| Net operating income to assets | 0.9704% | 2,411 |
| Return on assets (ROA) | 1.1497% | 1,826 |
| Pretax return on assets | 1.1497% | 2,891 |
| Return on Equity (ROE) | 10.3038% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.8899% | 1,936 |
| Net charge-offs to loans | 0.0234% | 2,465 |
| Credit loss provision to net charge-offs | 83.3333% | 1,813 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 643 |
| Efficiency ratio | 69.1105% | 3,280 |
| Assets per employee ($millions) | 4.9607% | 2,382 |
| Cash dividends to net income (ytd only)* | 33.1325% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 5,516 |
| Loan loss allowance to noncurrent loans | 159.7880% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,571 |
| Noncurrent loans to loans | 0.4636% | 3,784 |
| Net loans and leases to total assets | 53.1116% | 4,528 |
| Net loans and leases to deposits | 63.8713% | 4,450 |
| Net loans and leases to core deposits | 67.1570% | 4,463 |
| Total domestic deposits to total assets | 83.1541% | 3,839 |
| Equity capital to assets | 11.4727% | 2,465 |
| Core capital (leverage) ratio | 9.6551% | 3,961 |
| Tier 1 risk-based capital ratio | 16.1873% | 2,593 |
| Total risk-based capital ratio | 16.8521% | 2,791 |
| Memoranda: | ||
| Average total assets | $577,519,500 | 1,213 |
| Average earning assets | $519,452,500 | 1,240 |
| Average equity | $64,442,500 | 1,215 |
| Average total loans | $308,077,500 | 1,490 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,512 |
| Cost of funding earning assets | 0.4889% | 2,269 |
| Net interest margin | 3.4639% | 3,662 |
| Noninterest income to average assets | 0.6645% | 2,380 |
| Noninterest expense to average assets | 2.6511% | 3,752 |
| Loan and lease loss provision to assets | 0.1749% | 1,302 |
| Net operating income to assets | 1.0115% | 2,299 |
| Return on assets (ROA) | 1.0389% | 2,259 |
| Pretax return on assets | 1.0389% | 3,311 |
| Return on Equity (ROE) | 9.6495% | 2,155 |
| Retained earnings to average equity (ytd only) | -8.8407% | 6,019 |
| Net charge-offs to loans | 0.0448% | 3,316 |
| Credit loss provision to net charge-offs | 746.1538% | 450 |
| Earnings coverage of net charge-offs (x) | 50.6231% | 992 |
| Efficiency ratio | 67.1114% | 3,728 |
| Assets per employee ($millions) | 5.1277% | 2,205 |
| Cash dividends to net income (ytd only)* | 191.6189% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 5,590 |
| Loan loss allowance to noncurrent loans | 403.5651% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,513 |
| Noncurrent loans to loans | 0.1804% | 4,773 |
| Net loans and leases to total assets | 52.7986% | 4,622 |
| Net loans and leases to deposits | 65.2207% | 4,376 |
| Net loans and leases to core deposits | 68.3335% | 4,420 |
| Total domestic deposits to total assets | 80.9537% | 4,500 |
| Equity capital to assets | 10.8519% | 2,981 |
| Core capital (leverage) ratio | 9.3334% | 4,420 |
| Tier 1 risk-based capital ratio | 15.6187% | 2,872 |
| Total risk-based capital ratio | 16.2754% | 3,102 |
| Memoranda: | ||
| Average total assets | $554,720,200 | 1,227 |
| Average earning assets | $508,125,200 | 1,227 |
| Average equity | $59,723,600 | 1,266 |
| Average total loans | $289,882,800 | 1,506 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,417 |
| Cost of funding earning assets | 0.4951% | 2,262 |
| Net interest margin | 3.4837% | 3,610 |
| Noninterest income to average assets | 0.7526% | 2,012 |
| Noninterest expense to average assets | 2.7141% | 3,513 |
| Loan and lease loss provision to assets | 0.2193% | 867 |
| Net operating income to assets | 1.0252% | 2,353 |
| Return on assets (ROA) | 1.0501% | 2,313 |
| Pretax return on assets | 1.0501% | 3,411 |
| Return on Equity (ROE) | 9.7737% | 2,190 |
| Retained earnings to average equity (ytd only) | -14.1345% | 6,171 |
| Net charge-offs to loans | 0.0534% | 2,840 |
| Credit loss provision to net charge-offs | 789.4737% | 448 |
| Earnings coverage of net charge-offs (x) | 44.8059% | 1,135 |
| Efficiency ratio | 66.6236% | 3,780 |
| Assets per employee ($millions) | 5.0559% | 2,233 |
| Cash dividends to net income (ytd only)* | 244.6173% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 5,715 |
| Loan loss allowance to noncurrent loans | 339.4777% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 4,465 |
| Noncurrent loans to loans | 0.2085% | 4,814 |
| Net loans and leases to total assets | 51.9697% | 4,763 |
| Net loans and leases to deposits | 64.7337% | 4,496 |
| Net loans and leases to core deposits | 68.0252% | 4,534 |
| Total domestic deposits to total assets | 80.2823% | 4,675 |
| Equity capital to assets | 10.7050% | 3,352 |
| Core capital (leverage) ratio | 8.9974% | 4,999 |
| Tier 1 risk-based capital ratio | 15.5966% | 2,998 |
| Total risk-based capital ratio | 16.2494% | 3,230 |
| Memoranda: | ||
| Average total assets | $547,260,000 | 1,246 |
| Average earning assets | $503,630,000 | 1,249 |
| Average equity | $58,795,500 | 1,289 |
| Average total loans | $284,627,500 | 1,539 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,053 |
| Cost of funding earning assets | 0.5157% | 2,105 |
| Net interest margin | 3.5398% | 3,339 |
| Noninterest income to average assets | 0.9468% | 1,308 |
| Noninterest expense to average assets | 2.8496% | 3,067 |
| Loan and lease loss provision to assets | 0.2939% | 533 |
| Net operating income to assets | 1.0591% | 2,104 |
| Return on assets (ROA) | 1.0761% | 2,134 |
| Pretax return on assets | 1.0761% | 3,274 |
| Return on Equity (ROE) | 10.0026% | 2,070 |
| Retained earnings to average equity (ytd only) | -25.0204% | 6,287 |
| Net charge-offs to loans | 0.0610% | 2,509 |
| Credit loss provision to net charge-offs | 928.5714% | 386 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,078 |
| Efficiency ratio | 65.9225% | 4,026 |
| Assets per employee ($millions) | 4.7326% | 2,628 |
| Cash dividends to net income (ytd only)* | 350.1401% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 5,819 |
| Loan loss allowance to noncurrent loans | 282.6667% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 4,588 |
| Noncurrent loans to loans | 0.2471% | 4,776 |
| Net loans and leases to total assets | 50.1373% | 4,920 |
| Net loans and leases to deposits | 60.8549% | 4,786 |
| Net loans and leases to core deposits | 63.8213% | 4,817 |
| Total domestic deposits to total assets | 82.3883% | 4,156 |
| Equity capital to assets | 10.3122% | 3,676 |
| Core capital (leverage) ratio | 8.7882% | 5,237 |
| Tier 1 risk-based capital ratio | 15.7534% | 2,979 |
| Total risk-based capital ratio | 16.3982% | 3,210 |
| Memoranda: | ||
| Average total assets | $530,813,000 | 1,290 |
| Average earning assets | $488,225,330 | 1,296 |
| Average equity | $57,105,330 | 1,331 |
| Average total loans | $275,416,000 | 1,597 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 2,148 |
| Cost of funding earning assets | 0.5519% | 1,826 |
| Net interest margin | 3.7327% | 2,501 |
| Noninterest income to average assets | 1.5808% | 489 |
| Noninterest expense to average assets | 3.1535% | 2,115 |
| Loan and lease loss provision to assets | 0.5649% | 173 |
| Net operating income to assets | 1.3008% | 1,272 |
| Return on assets (ROA) | 1.3371% | 1,239 |
| Pretax return on assets | 1.3371% | 2,127 |
| Return on Equity (ROE) | 12.1242% | 1,312 |
| Retained earnings to average equity (ytd only) | -58.8503% | 6,393 |
| Net charge-offs to loans | 0.0735% | 1,977 |
| Credit loss provision to net charge-offs | 1,458.3333% | 262 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 858 |
| Efficiency ratio | 61.1415% | 4,939 |
| Assets per employee ($millions) | 4.6769% | 2,800 |
| Cash dividends to net income (ytd only)* | 585.3953% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 5,927 |
| Loan loss allowance to noncurrent loans | 553.6000% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,950 |
| Noncurrent loans to loans | 0.1241% | 5,329 |
| Net loans and leases to total assets | 48.6306% | 4,968 |
| Net loans and leases to deposits | 57.1780% | 4,971 |
| Net loans and leases to core deposits | 60.6449% | 4,946 |
| Total domestic deposits to total assets | 85.0513% | 3,383 |
| Equity capital to assets | 10.1698% | 3,921 |
| Core capital (leverage) ratio | 8.3566% | 5,677 |
| Tier 1 risk-based capital ratio | 15.2338% | 3,302 |
| Total risk-based capital ratio | 15.8562% | 3,583 |
| Memoranda: | ||
| Average total assets | $495,697,000 | 1,372 |
| Average earning assets | $456,610,000 | 1,374 |
| Average equity | $54,667,500 | 1,391 |
| Average total loans | $261,390,000 | 1,675 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,925 |
| Cost of funding earning assets | 0.7655% | 779 |
| Net interest margin | 3.1842% | 4,976 |
| Noninterest income to average assets | 0.3118% | 4,892 |
| Noninterest expense to average assets | 2.2426% | 5,258 |
| Loan and lease loss provision to assets | 0.0181% | 4,251 |
| Net operating income to assets | 1.0000% | 2,381 |
| Return on assets (ROA) | 1.0634% | 2,175 |
| Pretax return on assets | 1.0634% | 3,238 |
| Return on Equity (ROE) | 9.1478% | 2,516 |
| Retained earnings to average equity (ytd only) | 5.1786% | 2,480 |
| Net charge-offs to loans | 0.5213% | 782 |
| Credit loss provision to net charge-offs | 6.0606% | 4,150 |
| Earnings coverage of net charge-offs (x) | 3.4043% | 3,899 |
| Efficiency ratio | 67.8869% | 3,915 |
| Assets per employee ($millions) | 5.5006% | 1,770 |
| Cash dividends to net income (ytd only)* | 43.3893% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 6,081 |
| Loan loss allowance to noncurrent loans | 1,330.8411% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 4,852 |
| Noncurrent loans to loans | 0.0485% | 5,687 |
| Net loans and leases to total assets | 58.5650% | 3,986 |
| Net loans and leases to deposits | 73.4425% | 3,502 |
| Net loans and leases to core deposits | 79.4132% | 3,366 |
| Total domestic deposits to total assets | 79.7428% | 5,081 |
| Equity capital to assets | 12.4456% | 1,679 |
| Core capital (leverage) ratio | 10.1551% | 3,363 |
| Tier 1 risk-based capital ratio | 17.1177% | 2,468 |
| Total risk-based capital ratio | 17.7768% | 2,649 |
| Memoranda: | ||
| Average total assets | $386,204,200 | 1,695 |
| Average earning assets | $357,676,000 | 1,677 |
| Average equity | $44,896,000 | 1,604 |
| Average total loans | $221,540,400 | 1,893 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,996 |
| Cost of funding earning assets | 0.7764% | 779 |
| Net interest margin | 3.1677% | 5,067 |
| Noninterest income to average assets | 0.3011% | 5,042 |
| Noninterest expense to average assets | 2.2145% | 5,321 |
| Loan and lease loss provision to assets | 0.0034% | 4,340 |
| Net operating income to assets | 1.0208% | 2,364 |
| Return on assets (ROA) | 1.0249% | 2,402 |
| Pretax return on assets | 1.0249% | 3,499 |
| Return on Equity (ROE) | 8.9682% | 2,702 |
| Retained earnings to average equity (ytd only) | 4.9757% | 3,093 |
| Net charge-offs to loans | -0.0042% | 5,272 |
| Credit loss provision to net charge-offs | -142.8571% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4881% | 3,943 |
| Assets per employee ($millions) | 5.6963% | 1,563 |
| Cash dividends to net income (ytd only)* | 44.5189% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 4,562 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 3,251 |
| Noncurrent loans to loans | 1.5188% | 2,135 |
| Net loans and leases to total assets | 56.5967% | 4,254 |
| Net loans and leases to deposits | 71.6757% | 3,713 |
| Net loans and leases to core deposits | 77.7266% | 3,565 |
| Total domestic deposits to total assets | 78.9622% | 5,336 |
| Equity capital to assets | 11.8280% | 2,206 |
| Core capital (leverage) ratio | 9.7789% | 3,955 |
| Tier 1 risk-based capital ratio | 16.3366% | 2,883 |
| Total risk-based capital ratio | 17.4580% | 2,907 |
| Memoranda: | ||
| Average total assets | $389,244,250 | 1,697 |
| Average earning assets | $360,963,500 | 1,681 |
| Average equity | $44,482,000 | 1,624 |
| Average total loans | $221,804,750 | 1,901 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 4,005 |
| Cost of funding earning assets | 0.7773% | 797 |
| Net interest margin | 3.1547% | 5,077 |
| Noninterest income to average assets | 0.3047% | 4,965 |
| Noninterest expense to average assets | 2.2099% | 5,390 |
| Loan and lease loss provision to assets | 0.0051% | 4,128 |
| Net operating income to assets | 1.0167% | 2,259 |
| Return on assets (ROA) | 1.0229% | 2,301 |
| Pretax return on assets | 1.0229% | 3,384 |
| Return on Equity (ROE) | 9.0560% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.6279% | 3,212 |
| Net charge-offs to loans | 0.0054% | 4,197 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 332.0000% | 209 |
| Efficiency ratio | 67.4921% | 4,111 |
| Assets per employee ($millions) | 5.5961% | 1,609 |
| Cash dividends to net income (ytd only)* | 48.8967% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,859 |
| Loan loss allowance to noncurrent loans | 80.1851% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 3,408 |
| Noncurrent loans to loans | 1.3842% | 2,490 |
| Net loans and leases to total assets | 57.9868% | 3,997 |
| Net loans and leases to deposits | 73.2833% | 3,423 |
| Net loans and leases to core deposits | 79.2093% | 3,304 |
| Total domestic deposits to total assets | 79.1269% | 5,431 |
| Equity capital to assets | 11.6875% | 2,250 |
| Core capital (leverage) ratio | 9.5567% | 4,247 |
| Tier 1 risk-based capital ratio | 15.7729% | 3,213 |
| Total risk-based capital ratio | 16.8694% | 3,233 |
| Memoranda: | ||
| Average total assets | $389,875,330 | 1,692 |
| Average earning assets | $361,746,330 | 1,668 |
| Average equity | $44,037,330 | 1,626 |
| Average total loans | $221,821,670 | 1,887 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,830 |
| Cost of funding earning assets | 0.7705% | 876 |
| Net interest margin | 3.1953% | 4,935 |
| Noninterest income to average assets | 0.3022% | 4,937 |
| Noninterest expense to average assets | 2.2116% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0588% | 1,968 |
| Return on assets (ROA) | 1.0588% | 2,043 |
| Pretax return on assets | 1.0588% | 3,089 |
| Return on Equity (ROE) | 9.5375% | 2,233 |
| Retained earnings to average equity (ytd only) | 4.0192% | 3,707 |
| Net charge-offs to loans | -0.0055% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7499% | 4,407 |
| Assets per employee ($millions) | 5.6130% | 1,602 |
| Cash dividends to net income (ytd only)* | 57.8592% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 4,890 |
| Loan loss allowance to noncurrent loans | 79.4183% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 3,511 |
| Noncurrent loans to loans | 1.4435% | 2,621 |
| Net loans and leases to total assets | 55.1274% | 4,266 |
| Net loans and leases to deposits | 69.4860% | 3,662 |
| Net loans and leases to core deposits | 75.2698% | 3,494 |
| Total domestic deposits to total assets | 79.3360% | 5,623 |
| Equity capital to assets | 11.1965% | 2,528 |
| Core capital (leverage) ratio | 9.3161% | 4,552 |
| Tier 1 risk-based capital ratio | 15.9896% | 3,174 |
| Total risk-based capital ratio | 17.1206% | 3,195 |
| Memoranda: | ||
| Average total assets | $391,748,500 | 1,702 |
| Average earning assets | $363,912,000 | 1,674 |
| Average equity | $43,491,500 | 1,639 |
| Average total loans | $219,524,000 | 1,898 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 4,120 |
| Cost of funding earning assets | 0.8453% | 971 |
| Net interest margin | 3.1454% | 5,177 |
| Noninterest income to average assets | 0.2840% | 5,323 |
| Noninterest expense to average assets | 2.1608% | 5,713 |
| Loan and lease loss provision to assets | 0.2758% | 1,272 |
| Net operating income to assets | 0.7713% | 3,439 |
| Return on assets (ROA) | 0.8763% | 2,987 |
| Pretax return on assets | 0.8763% | 3,865 |
| Return on Equity (ROE) | 7.4376% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.6340% | 3,638 |
| Net charge-offs to loans | 0.0009% | 5,463 |
| Credit loss provision to net charge-offs | 51,750.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,965.0000% | 15 |
| Efficiency ratio | 66.4286% | 4,486 |
| Assets per employee ($millions) | 5.6607% | 1,504 |
| Cash dividends to net income (ytd only)* | 51.1402% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 4,946 |
| Loan loss allowance to noncurrent loans | 74.7839% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 3,742 |
| Noncurrent loans to loans | 1.5255% | 2,605 |
| Net loans and leases to total assets | 55.6665% | 4,365 |
| Net loans and leases to deposits | 70.7056% | 3,696 |
| Net loans and leases to core deposits | 76.6445% | 3,539 |
| Total domestic deposits to total assets | 78.7300% | 5,703 |
| Equity capital to assets | 11.0068% | 2,609 |
| Core capital (leverage) ratio | 9.2692% | 4,604 |
| Tier 1 risk-based capital ratio | 15.8225% | 3,189 |
| Total risk-based capital ratio | 16.9550% | 3,206 |
| Memoranda: | ||
| Average total assets | $375,331,400 | 1,745 |
| Average earning assets | $348,889,200 | 1,715 |
| Average equity | $44,221,400 | 1,586 |
| Average total loans | $213,988,800 | 1,902 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 4,187 |
| Cost of funding earning assets | 0.8612% | 984 |
| Net interest margin | 3.1239% | 5,252 |
| Noninterest income to average assets | 0.2706% | 5,515 |
| Noninterest expense to average assets | 2.2398% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9338% | 2,665 |
| Return on assets (ROA) | 1.0752% | 2,180 |
| Pretax return on assets | 1.0752% | 3,210 |
| Return on Equity (ROE) | 8.9707% | 2,649 |
| Retained earnings to average equity (ytd only) | 5.1321% | 2,984 |
| Net charge-offs to loans | 0.0082% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 200.1875% | 292 |
| Efficiency ratio | 69.6257% | 3,815 |
| Assets per employee ($millions) | 5.4482% | 1,678 |
| Cash dividends to net income (ytd only)* | 42.7903% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 6,482 |
| Loan loss allowance to noncurrent loans | 99.6594% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 5,231 |
| Noncurrent loans to loans | 0.6652% | 4,536 |
| Net loans and leases to total assets | 56.6755% | 4,225 |
| Net loans and leases to deposits | 71.2384% | 3,607 |
| Net loans and leases to core deposits | 76.8933% | 3,518 |
| Total domestic deposits to total assets | 79.5574% | 5,622 |
| Equity capital to assets | 11.1504% | 2,619 |
| Core capital (leverage) ratio | 9.6480% | 4,174 |
| Tier 1 risk-based capital ratio | 15.9980% | 3,197 |
| Total risk-based capital ratio | 16.6675% | 3,466 |
| Memoranda: | ||
| Average total assets | $371,517,500 | 1,768 |
| Average earning assets | $345,241,000 | 1,745 |
| Average equity | $44,529,000 | 1,587 |
| Average total loans | $212,502,250 | 1,915 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,894 |
| Cost of funding earning assets | 0.8851% | 963 |
| Net interest margin | 3.1718% | 5,039 |
| Noninterest income to average assets | 0.2407% | 5,728 |
| Noninterest expense to average assets | 2.2968% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8897% | 2,845 |
| Return on assets (ROA) | 1.0485% | 2,242 |
| Pretax return on assets | 1.0485% | 3,299 |
| Return on Equity (ROE) | 8.5388% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.6183% | 3,325 |
| Net charge-offs to loans | 0.0086% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 181.1111% | 273 |
| Efficiency ratio | 71.1202% | 3,623 |
| Assets per employee ($millions) | 5.2937% | 1,804 |
| Cash dividends to net income (ytd only)* | 45.9136% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6967% | 6,498 |
| Loan loss allowance to noncurrent loans | 73,350.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,202 |
| Noncurrent loans to loans | 0.0009% | 6,466 |
| Net loans and leases to total assets | 56.4296% | 4,217 |
| Net loans and leases to deposits | 71.2009% | 3,558 |
| Net loans and leases to core deposits | 76.9643% | 3,427 |
| Total domestic deposits to total assets | 79.2540% | 5,762 |
| Equity capital to assets | 11.9082% | 1,973 |
| Core capital (leverage) ratio | 9.8553% | 3,710 |
| Tier 1 risk-based capital ratio | 16.5811% | 2,900 |
| Total risk-based capital ratio | 17.2895% | 3,116 |
| Memoranda: | ||
| Average total assets | $366,416,670 | 1,787 |
| Average earning assets | $340,314,000 | 1,764 |
| Average equity | $44,994,670 | 1,576 |
| Average total loans | $209,771,330 | 1,937 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 3,435 |
| Cost of funding earning assets | 0.9042% | 970 |
| Net interest margin | 3.2630% | 4,667 |
| Noninterest income to average assets | 0.2086% | 5,988 |
| Noninterest expense to average assets | 2.4449% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7905% | 3,218 |
| Return on assets (ROA) | 1.1099% | 1,925 |
| Pretax return on assets | 1.1099% | 2,916 |
| Return on Equity (ROE) | 8.9019% | 2,526 |
| Retained earnings to average equity (ytd only) | 4.6843% | 3,427 |
| Net charge-offs to loans | 0.0153% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 425 |
| Efficiency ratio | 74.6183% | 3,150 |
| Assets per employee ($millions) | 5.1631% | 2,020 |
| Cash dividends to net income (ytd only)* | 47.3788% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 6,581 |
| Loan loss allowance to noncurrent loans | 36,700.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 6,240 |
| Noncurrent loans to loans | 0.0019% | 6,527 |
| Net loans and leases to total assets | 56.7649% | 3,969 |
| Net loans and leases to deposits | 70.1315% | 3,463 |
| Net loans and leases to core deposits | 76.0630% | 3,317 |
| Total domestic deposits to total assets | 80.9407% | 5,515 |
| Equity capital to assets | 12.5473% | 1,684 |
| Core capital (leverage) ratio | 9.5907% | 3,944 |
| Tier 1 risk-based capital ratio | 16.6378% | 2,931 |
| Total risk-based capital ratio | 17.3592% | 3,160 |
| Memoranda: | ||
| Average total assets | $364,345,500 | 1,810 |
| Average earning assets | $337,972,500 | 1,790 |
| Average equity | $45,428,500 | 1,576 |
| Average total loans | $209,371,000 | 1,949 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 4,018 |
| Cost of funding earning assets | 1.0885% | 946 |
| Net interest margin | 3.2645% | 5,379 |
| Noninterest income to average assets | 0.1957% | 6,016 |
| Noninterest expense to average assets | 2.3021% | 5,687 |
| Loan and lease loss provision to assets | 0.0709% | 4,850 |
| Net operating income to assets | 0.8451% | 3,066 |
| Return on assets (ROA) | 1.0972% | 2,128 |
| Pretax return on assets | 1.0972% | 3,168 |
| Return on Equity (ROE) | 9.3786% | 2,449 |
| Retained earnings to average equity (ytd only) | 5.8322% | 2,173 |
| Net charge-offs to loans | 0.0402% | 5,358 |
| Credit loss provision to net charge-offs | 327.1605% | 744 |
| Earnings coverage of net charge-offs (x) | 42.2469% | 764 |
| Efficiency ratio | 70.6039% | 3,691 |
| Assets per employee ($millions) | 5.1011% | 2,099 |
| Cash dividends to net income (ytd only)* | 37.8141% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6958% | 6,644 |
| Loan loss allowance to noncurrent loans | 6,150.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 6,197 |
| Noncurrent loans to loans | 0.0113% | 6,527 |
| Net loans and leases to total assets | 57.3522% | 4,074 |
| Net loans and leases to deposits | 70.6911% | 3,606 |
| Net loans and leases to core deposits | 77.8295% | 3,287 |
| Total domestic deposits to total assets | 81.1308% | 5,365 |
| Equity capital to assets | 12.3910% | 1,793 |
| Core capital (leverage) ratio | 9.3694% | 4,301 |
| Tier 1 risk-based capital ratio | 16.2031% | 3,046 |
| Total risk-based capital ratio | 16.9204% | 3,292 |
| Memoranda: | ||
| Average total assets | $373,572,200 | 1,742 |
| Average earning assets | $345,874,800 | 1,724 |
| Average equity | $43,705,800 | 1,596 |
| Average total loans | $201,685,800 | 1,988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 4,115 |
| Cost of funding earning assets | 1.1219% | 974 |
| Net interest margin | 3.2621% | 5,509 |
| Noninterest income to average assets | 0.2555% | 5,737 |
| Noninterest expense to average assets | 2.3062% | 5,668 |
| Loan and lease loss provision to assets | 0.0942% | 4,410 |
| Net operating income to assets | 0.8757% | 3,105 |
| Return on assets (ROA) | 1.0751% | 2,393 |
| Pretax return on assets | 1.0751% | 3,446 |
| Return on Equity (ROE) | 9.3243% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.3960% | 2,435 |
| Net charge-offs to loans | 0.0502% | 4,953 |
| Credit loss provision to net charge-offs | 353.3333% | 761 |
| Earnings coverage of net charge-offs (x) | 36.3858% | 944 |
| Efficiency ratio | 69.4836% | 3,790 |
| Assets per employee ($millions) | 5.0568% | 2,110 |
| Cash dividends to net income (ytd only)* | 31.4051% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 6,769 |
| Loan loss allowance to noncurrent loans | 2,964.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 5,919 |
| Noncurrent loans to loans | 0.0230% | 6,582 |
| Net loans and leases to total assets | 58.4145% | 4,059 |
| Net loans and leases to deposits | 72.7622% | 3,483 |
| Net loans and leases to core deposits | 80.0665% | 3,200 |
| Total domestic deposits to total assets | 80.2814% | 5,581 |
| Equity capital to assets | 12.2539% | 2,072 |
| Core capital (leverage) ratio | 9.2897% | 4,601 |
| Tier 1 risk-based capital ratio | 15.6779% | 3,439 |
| Total risk-based capital ratio | 16.3843% | 3,703 |
| Memoranda: | ||
| Average total assets | $375,146,250 | 1,759 |
| Average earning assets | $347,378,500 | 1,735 |
| Average equity | $43,255,000 | 1,625 |
| Average total loans | $199,078,000 | 2,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 4,294 |
| Cost of funding earning assets | 1.1656% | 962 |
| Net interest margin | 3.2071% | 5,713 |
| Noninterest income to average assets | 0.2445% | 5,822 |
| Noninterest expense to average assets | 2.2909% | 5,769 |
| Loan and lease loss provision to assets | 0.0822% | 4,570 |
| Net operating income to assets | 0.8405% | 3,195 |
| Return on assets (ROA) | 1.1301% | 2,163 |
| Pretax return on assets | 1.1301% | 3,193 |
| Return on Equity (ROE) | 10.0059% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.8929% | 1,678 |
| Net charge-offs to loans | 0.0632% | 4,544 |
| Credit loss provision to net charge-offs | 254.0984% | 1,129 |
| Earnings coverage of net charge-offs (x) | 28.5246% | 1,107 |
| Efficiency ratio | 70.3630% | 3,703 |
| Assets per employee ($millions) | 5.1512% | 1,968 |
| Cash dividends to net income (ytd only)* | 21.1168% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 6,847 |
| Loan loss allowance to noncurrent loans | 3,380.4878% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 5,952 |
| Noncurrent loans to loans | 0.0201% | 6,640 |
| Net loans and leases to total assets | 54.5108% | 4,705 |
| Net loans and leases to deposits | 67.6516% | 4,259 |
| Net loans and leases to core deposits | 74.3188% | 3,981 |
| Total domestic deposits to total assets | 80.5758% | 5,595 |
| Equity capital to assets | 11.8710% | 2,248 |
| Core capital (leverage) ratio | 8.9633% | 4,960 |
| Tier 1 risk-based capital ratio | 16.3580% | 2,978 |
| Total risk-based capital ratio | 17.0556% | 3,237 |
| Memoranda: | ||
| Average total assets | $377,145,670 | 1,751 |
| Average earning assets | $349,162,670 | 1,726 |
| Average equity | $42,595,000 | 1,637 |
| Average total loans | $193,064,670 | 2,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 4,187 |
| Cost of funding earning assets | 1.2015% | 978 |
| Net interest margin | 3.2321% | 5,695 |
| Noninterest income to average assets | 0.2861% | 5,584 |
| Noninterest expense to average assets | 2.2847% | 5,809 |
| Loan and lease loss provision to assets | 0.0473% | 4,812 |
| Net operating income to assets | 0.9477% | 2,707 |
| Return on assets (ROA) | 0.9519% | 2,890 |
| Pretax return on assets | 0.9519% | 3,857 |
| Return on Equity (ROE) | 8.6441% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.3459% | 3,987 |
| Net charge-offs to loans | 0.0426% | 4,098 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | 47.3000% | 661 |
| Efficiency ratio | 68.7620% | 4,025 |
| Assets per employee ($millions) | 5.3662% | 1,821 |
| Cash dividends to net income (ytd only)* | 49.7238% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6860% | 6,894 |
| Loan loss allowance to noncurrent loans | 292.6667% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 5,990 |
| Noncurrent loans to loans | 0.2344% | 6,223 |
| Net loans and leases to total assets | 50.0399% | 5,302 |
| Net loans and leases to deposits | 62.1518% | 4,892 |
| Net loans and leases to core deposits | 68.4156% | 4,639 |
| Total domestic deposits to total assets | 80.5124% | 5,718 |
| Equity capital to assets | 11.0797% | 2,816 |
| Core capital (leverage) ratio | 8.4396% | 5,691 |
| Tier 1 risk-based capital ratio | 16.4325% | 2,947 |
| Total risk-based capital ratio | 17.1252% | 3,210 |
| Memoranda: | ||
| Average total assets | $380,274,500 | 1,742 |
| Average earning assets | $352,221,000 | 1,720 |
| Average equity | $41,878,500 | 1,653 |
| Average total loans | $187,817,000 | 2,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 4,495 |
| Cost of funding earning assets | 1.4208% | 951 |
| Net interest margin | 3.2201% | 6,033 |
| Noninterest income to average assets | 0.3323% | 5,158 |
| Noninterest expense to average assets | 2.3981% | 5,782 |
| Loan and lease loss provision to assets | 0.0121% | 6,387 |
| Net operating income to assets | 0.7335% | 3,325 |
| Return on assets (ROA) | 0.8356% | 3,052 |
| Pretax return on assets | 1.0149% | 3,186 |
| Return on Equity (ROE) | 7.8798% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.0196% | 3,330 |
| Net charge-offs to loans | 0.1708% | 4,790 |
| Credit loss provision to net charge-offs | 14.1956% | 5,978 |
| Earnings coverage of net charge-offs (x) | 10.6057% | 1,817 |
| Efficiency ratio | 71.7469% | 3,625 |
| Assets per employee ($millions) | 5.4221% | 1,718 |
| Cash dividends to net income (ytd only)* | 48.9881% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 6,901 |
| Loan loss allowance to noncurrent loans | 304.7170% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 6,089 |
| Noncurrent loans to loans | 0.2309% | 6,277 |
| Net loans and leases to total assets | 48.0499% | 5,819 |
| Net loans and leases to deposits | 60.3291% | 5,449 |
| Net loans and leases to core deposits | 66.4280% | 5,211 |
| Total domestic deposits to total assets | 79.6463% | 5,833 |
| Equity capital to assets | 10.9454% | 3,033 |
| Core capital (leverage) ratio | 8.5228% | 5,523 |
| Tier 1 risk-based capital ratio | 16.9277% | 2,635 |
| Total risk-based capital ratio | 17.6376% | 2,841 |
| Memoranda: | ||
| Average total assets | $372,543,200 | 1,749 |
| Average earning assets | $343,408,000 | 1,739 |
| Average equity | $39,506,000 | 1,712 |
| Average total loans | $185,555,400 | 2,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 4,526 |
| Cost of funding earning assets | 1.4698% | 953 |
| Net interest margin | 3.2153% | 6,124 |
| Noninterest income to average assets | 0.3420% | 5,124 |
| Noninterest expense to average assets | 2.4344% | 5,678 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6736% | 3,746 |
| Return on assets (ROA) | 0.8015% | 3,317 |
| Pretax return on assets | 1.0352% | 3,264 |
| Return on Equity (ROE) | 7.6210% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.9541% | 3,203 |
| Net charge-offs to loans | 0.1942% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.9189% | 2,112 |
| Efficiency ratio | 72.7767% | 3,406 |
| Assets per employee ($millions) | 5.1568% | 1,982 |
| Cash dividends to net income (ytd only)* | 34.9931% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 6,946 |
| Loan loss allowance to noncurrent loans | 265.5031% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 6,095 |
| Noncurrent loans to loans | 0.2679% | 6,333 |
| Net loans and leases to total assets | 49.2981% | 5,799 |
| Net loans and leases to deposits | 60.5994% | 5,568 |
| Net loans and leases to core deposits | 66.9602% | 5,314 |
| Total domestic deposits to total assets | 81.3507% | 5,312 |
| Equity capital to assets | 11.1225% | 3,032 |
| Core capital (leverage) ratio | 8.8130% | 5,241 |
| Tier 1 risk-based capital ratio | 17.1891% | 2,570 |
| Total risk-based capital ratio | 17.8968% | 2,752 |
| Memoranda: | ||
| Average total assets | $370,792,250 | 1,759 |
| Average earning assets | $341,524,750 | 1,746 |
| Average equity | $38,996,750 | 1,732 |
| Average total loans | $186,028,250 | 2,189 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 4,554 |
| Cost of funding earning assets | 1.4986% | 1,015 |
| Net interest margin | 3.1942% | 6,177 |
| Noninterest income to average assets | 0.3588% | 5,016 |
| Noninterest expense to average assets | 2.4440% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6739% | 3,674 |
| Return on assets (ROA) | 0.7380% | 3,467 |
| Pretax return on assets | 0.9394% | 3,476 |
| Return on Equity (ROE) | 7.1523% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.6016% | 3,258 |
| Net charge-offs to loans | 0.1323% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 12.8871% | 1,595 |
| Efficiency ratio | 73.0969% | 3,523 |
| Assets per employee ($millions) | 4.9916% | 2,134 |
| Cash dividends to net income (ytd only)* | 35.6623% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 6,936 |
| Loan loss allowance to noncurrent loans | 164.7597% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 5,855 |
| Noncurrent loans to loans | 0.4624% | 5,986 |
| Net loans and leases to total assets | 50.7777% | 5,722 |
| Net loans and leases to deposits | 62.1498% | 5,486 |
| Net loans and leases to core deposits | 69.6737% | 5,109 |
| Total domestic deposits to total assets | 81.7021% | 5,274 |
| Equity capital to assets | 10.7558% | 3,219 |
| Core capital (leverage) ratio | 8.4581% | 5,618 |
| Tier 1 risk-based capital ratio | 15.9181% | 3,020 |
| Total risk-based capital ratio | 16.6616% | 3,231 |
| Memoranda: | ||
| Average total assets | $372,345,670 | 1,762 |
| Average earning assets | $343,124,330 | 1,747 |
| Average equity | $38,421,330 | 1,747 |
| Average total loans | $187,441,330 | 2,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 4,728 |
| Cost of funding earning assets | 1.5255% | 1,069 |
| Net interest margin | 3.1287% | 6,270 |
| Noninterest income to average assets | 0.3681% | 4,967 |
| Noninterest expense to average assets | 2.4193% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6613% | 3,701 |
| Return on assets (ROA) | 0.6613% | 3,776 |
| Pretax return on assets | 0.8303% | 3,787 |
| Return on Equity (ROE) | 6.5454% | 3,608 |
| Retained earnings to average equity (ytd only) | 3.2621% | 4,222 |
| Net charge-offs to loans | 0.0643% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 25.8667% | 948 |
| Efficiency ratio | 73.5265% | 3,604 |
| Assets per employee ($millions) | 5.1502% | 1,962 |
| Cash dividends to net income (ytd only)* | 50.1618% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 6,848 |
| Loan loss allowance to noncurrent loans | 124.1100% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 6,006 |
| Noncurrent loans to loans | 0.6739% | 5,680 |
| Net loans and leases to total assets | 48.3768% | 6,036 |
| Net loans and leases to deposits | 59.5236% | 5,767 |
| Net loans and leases to core deposits | 66.8728% | 5,419 |
| Total domestic deposits to total assets | 81.2733% | 5,581 |
| Equity capital to assets | 10.0713% | 3,684 |
| Core capital (leverage) ratio | 8.2770% | 5,850 |
| Tier 1 risk-based capital ratio | 15.8226% | 2,987 |
| Total risk-based capital ratio | 16.6282% | 3,185 |
| Memoranda: | ||
| Average total assets | $373,828,000 | 1,763 |
| Average earning assets | $344,291,500 | 1,749 |
| Average equity | $37,767,000 | 1,764 |
| Average total loans | $186,660,500 | 2,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 3,981 |
| Cost of funding earning assets | 1.8604% | 967 |
| Net interest margin | 3.2640% | 6,091 |
| Noninterest income to average assets | 0.4073% | 4,850 |
| Noninterest expense to average assets | 2.5392% | 5,651 |
| Loan and lease loss provision to assets | 0.2048% | 5,194 |
| Net operating income to assets | 0.4973% | 4,108 |
| Return on assets (ROA) | 0.8525% | 2,715 |
| Pretax return on assets | 1.1316% | 2,459 |
| Return on Equity (ROE) | 8.1005% | 2,666 |
| Retained earnings to average equity (ytd only) | 6.0347% | 1,797 |
| Net charge-offs to loans | 0.3993% | 4,038 |
| Credit loss provision to net charge-offs | 93.2312% | 4,979 |
| Earnings coverage of net charge-offs (x) | 3.9285% | 3,132 |
| Efficiency ratio | 73.7137% | 3,459 |
| Assets per employee ($millions) | 4.9559% | 2,215 |
| Cash dividends to net income (ytd only)* | 25.5018% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 6,924 |
| Loan loss allowance to noncurrent loans | 106.5395% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,894 |
| Noncurrent loans to loans | 0.7730% | 5,500 |
| Net loans and leases to total assets | 50.6719% | 6,087 |
| Net loans and leases to deposits | 61.4014% | 5,910 |
| Net loans and leases to core deposits | 68.4304% | 5,613 |
| Total domestic deposits to total assets | 82.5257% | 5,009 |
| Equity capital to assets | 10.1347% | 3,578 |
| Core capital (leverage) ratio | 8.4175% | 5,505 |
| Tier 1 risk-based capital ratio | 15.3827% | 3,050 |
| Total risk-based capital ratio | 16.1896% | 3,239 |
| Memoranda: | ||
| Average total assets | $356,497,000 | 1,834 |
| Average earning assets | $327,082,400 | 1,824 |
| Average equity | $37,516,400 | 1,758 |
| Average total loans | $196,078,600 | 2,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 3,596 |
| Cost of funding earning assets | 1.9312% | 932 |
| Net interest margin | 3.3159% | 5,961 |
| Noninterest income to average assets | 0.4287% | 4,731 |
| Noninterest expense to average assets | 2.5808% | 5,400 |
| Loan and lease loss provision to assets | 0.2589% | 4,514 |
| Net operating income to assets | 0.4752% | 4,419 |
| Return on assets (ROA) | 0.9027% | 2,745 |
| Pretax return on assets | 1.2006% | 2,484 |
| Return on Equity (ROE) | 8.4954% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.2720% | 2,221 |
| Net charge-offs to loans | 0.4669% | 3,419 |
| Credit loss provision to net charge-offs | 98.9884% | 4,403 |
| Earnings coverage of net charge-offs (x) | 3.4003% | 3,470 |
| Efficiency ratio | 73.4532% | 3,423 |
| Assets per employee ($millions) | 4.7107% | 2,577 |
| Cash dividends to net income (ytd only)* | 26.1725% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 6,928 |
| Loan loss allowance to noncurrent loans | 194.4444% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 6,323 |
| Noncurrent loans to loans | 0.4298% | 6,341 |
| Net loans and leases to total assets | 54.0758% | 5,840 |
| Net loans and leases to deposits | 66.9373% | 5,554 |
| Net loans and leases to core deposits | 74.3456% | 5,252 |
| Total domestic deposits to total assets | 80.7858% | 5,455 |
| Equity capital to assets | 10.9012% | 3,053 |
| Core capital (leverage) ratio | 8.4710% | 5,560 |
| Tier 1 risk-based capital ratio | 14.6787% | 3,407 |
| Total risk-based capital ratio | 15.4874% | 3,635 |
| Memoranda: | ||
| Average total assets | $352,697,500 | 1,878 |
| Average earning assets | $323,521,250 | 1,864 |
| Average equity | $37,478,000 | 1,778 |
| Average total loans | $197,621,000 | 2,212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 3,403 |
| Cost of funding earning assets | 1.9710% | 984 |
| Net interest margin | 3.3421% | 5,866 |
| Noninterest income to average assets | 0.4397% | 4,610 |
| Noninterest expense to average assets | 2.5430% | 5,552 |
| Loan and lease loss provision to assets | 0.2411% | 4,503 |
| Net operating income to assets | 0.5514% | 4,084 |
| Return on assets (ROA) | 0.8550% | 2,859 |
| Pretax return on assets | 1.1132% | 2,741 |
| Return on Equity (ROE) | 8.1168% | 2,842 |
| Retained earnings to average equity (ytd only) | 5.1545% | 2,814 |
| Net charge-offs to loans | 0.1927% | 4,455 |
| Credit loss provision to net charge-offs | 221.3542% | 1,761 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,093 |
| Efficiency ratio | 71.6877% | 3,865 |
| Assets per employee ($millions) | 4.4972% | 2,880 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 6,646 |
| Loan loss allowance to noncurrent loans | 137.8539% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 6,143 |
| Noncurrent loans to loans | 0.6774% | 5,894 |
| Net loans and leases to total assets | 55.2392% | 5,811 |
| Net loans and leases to deposits | 67.0887% | 5,674 |
| Net loans and leases to core deposits | 75.4627% | 5,254 |
| Total domestic deposits to total assets | 82.3374% | 4,851 |
| Equity capital to assets | 10.7606% | 3,113 |
| Core capital (leverage) ratio | 8.3096% | 5,749 |
| Tier 1 risk-based capital ratio | 13.3809% | 4,148 |
| Total risk-based capital ratio | 14.2538% | 4,397 |
| Memoranda: | ||
| Average total assets | $352,496,000 | 1,896 |
| Average earning assets | $323,086,000 | 1,876 |
| Average equity | $37,132,670 | 1,796 |
| Average total loans | $199,274,330 | 2,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 3,178 |
| Cost of funding earning assets | 1.9743% | 1,174 |
| Net interest margin | 3.3984% | 5,588 |
| Noninterest income to average assets | 0.4318% | 4,651 |
| Noninterest expense to average assets | 2.4916% | 5,755 |
| Loan and lease loss provision to assets | 0.2677% | 3,883 |
| Net operating income to assets | 0.6218% | 3,793 |
| Return on assets (ROA) | 0.7986% | 3,073 |
| Pretax return on assets | 1.0037% | 3,085 |
| Return on Equity (ROE) | 7.6646% | 3,041 |
| Retained earnings to average equity (ytd only) | 5.4778% | 2,880 |
| Net charge-offs to loans | 0.1661% | 3,929 |
| Credit loss provision to net charge-offs | 283.1325% | 1,393 |
| Earnings coverage of net charge-offs (x) | 11.1084% | 1,679 |
| Efficiency ratio | 69.4436% | 4,420 |
| Assets per employee ($millions) | 4.6373% | 2,735 |
| Cash dividends to net income (ytd only)* | 28.5307% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 6,839 |
| Loan loss allowance to noncurrent loans | 87.7045% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 5,848 |
| Noncurrent loans to loans | 1.0252% | 5,282 |
| Net loans and leases to total assets | 55.3242% | 5,842 |
| Net loans and leases to deposits | 64.5123% | 6,001 |
| Net loans and leases to core deposits | 72.2511% | 5,684 |
| Total domestic deposits to total assets | 85.7577% | 3,281 |
| Equity capital to assets | 10.5131% | 3,234 |
| Core capital (leverage) ratio | 8.1912% | 5,920 |
| Tier 1 risk-based capital ratio | 13.2174% | 4,197 |
| Total risk-based capital ratio | 14.0603% | 4,442 |
| Memoranda: | ||
| Average total assets | $351,105,500 | 1,952 |
| Average earning assets | $321,324,500 | 1,936 |
| Average equity | $36,584,000 | 1,837 |
| Average total loans | $199,860,500 | 2,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 3,030 |
| Cost of funding earning assets | 2.2153% | 1,968 |
| Net interest margin | 3.5005% | 4,954 |
| Noninterest income to average assets | 0.4743% | 4,621 |
| Noninterest expense to average assets | 2.6601% | 5,550 |
| Loan and lease loss provision to assets | 0.1117% | 6,528 |
| Net operating income to assets | 0.7169% | 2,870 |
| Return on assets (ROA) | 0.8222% | 2,534 |
| Pretax return on assets | 1.0154% | 2,539 |
| Return on Equity (ROE) | 7.6855% | 2,502 |
| Retained earnings to average equity (ytd only) | 7.4002% | 843 |
| Net charge-offs to loans | 0.1661% | 5,625 |
| Credit loss provision to net charge-offs | 108.6053% | 5,098 |
| Earnings coverage of net charge-offs (x) | 9.6944% | 1,764 |
| Efficiency ratio | 71.8852% | 4,276 |
| Assets per employee ($millions) | 4.5425% | 2,851 |
| Cash dividends to net income (ytd only)* | 3.7120% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 7,139 |
| Loan loss allowance to noncurrent loans | 406.2814% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 7,003 |
| Noncurrent loans to loans | 0.1961% | 6,930 |
| Net loans and leases to total assets | 57.5663% | 5,733 |
| Net loans and leases to deposits | 68.2361% | 5,796 |
| Net loans and leases to core deposits | 101.6688% | 3,832 |
| Total domestic deposits to total assets | 84.3634% | 3,856 |
| Equity capital to assets | 10.3255% | 3,373 |
| Core capital (leverage) ratio | 8.4104% | 5,418 |
| Tier 1 risk-based capital ratio | 12.7848% | 4,297 |
| Total risk-based capital ratio | 13.5454% | 4,652 |
| Memoranda: | ||
| Average total assets | $327,661,000 | 2,066 |
| Average earning assets | $297,932,200 | 2,086 |
| Average equity | $35,053,000 | 1,918 |
| Average total loans | $202,921,000 | 2,275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1024% | 1,644 |
| Cost of funding earning assets | 2.3724% | 1,732 |
| Net interest margin | 3.7301% | 3,946 |
| Noninterest income to average assets | 0.5115% | 4,393 |
| Noninterest expense to average assets | 2.8489% | 4,676 |
| Loan and lease loss provision to assets | 0.0826% | 6,544 |
| Net operating income to assets | 0.7980% | 2,825 |
| Return on assets (ROA) | 0.8328% | 2,747 |
| Pretax return on assets | 1.0212% | 2,835 |
| Return on Equity (ROE) | 7.9708% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.5523% | 1,293 |
| Net charge-offs to loans | 0.0785% | 5,895 |
| Credit loss provision to net charge-offs | 164.3478% | 2,863 |
| Earnings coverage of net charge-offs (x) | 21.1130% | 1,214 |
| Efficiency ratio | 71.9843% | 4,244 |
| Assets per employee ($millions) | 4.2586% | 3,274 |
| Cash dividends to net income (ytd only)* | 5.2493% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 7,065 |
| Loan loss allowance to noncurrent loans | 371.7647% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 6,898 |
| Noncurrent loans to loans | 0.2200% | 6,946 |
| Net loans and leases to total assets | 60.8069% | 5,454 |
| Net loans and leases to deposits | 74.3617% | 5,314 |
| Net loans and leases to core deposits | 111.5433% | 3,065 |
| Total domestic deposits to total assets | 81.7719% | 4,781 |
| Equity capital to assets | 10.7317% | 3,261 |
| Core capital (leverage) ratio | 8.2355% | 5,953 |
| Tier 1 risk-based capital ratio | 12.1720% | 4,820 |
| Total risk-based capital ratio | 12.9571% | 5,185 |
| Memoranda: | ||
| Average total assets | $305,004,000 | 2,199 |
| Average earning assets | $277,915,250 | 2,208 |
| Average equity | $31,865,750 | 2,124 |
| Average total loans | $195,306,500 | 2,367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1782% | 1,532 |
| Cost of funding earning assets | 2.4385% | 1,819 |
| Net interest margin | 3.7397% | 3,794 |
| Noninterest income to average assets | 0.5112% | 4,347 |
| Noninterest expense to average assets | 2.8579% | 4,695 |
| Loan and lease loss provision to assets | 0.0623% | 6,587 |
| Net operating income to assets | 0.7859% | 2,908 |
| Return on assets (ROA) | 0.8288% | 2,835 |
| Pretax return on assets | 1.0450% | 2,829 |
| Return on Equity (ROE) | 8.0091% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.3684% | 1,442 |
| Net charge-offs to loans | 0.0520% | 5,763 |
| Credit loss provision to net charge-offs | 184.3137% | 2,486 |
| Earnings coverage of net charge-offs (x) | 31.1373% | 973 |
| Efficiency ratio | 72.1261% | 4,386 |
| Assets per employee ($millions) | 4.0839% | 3,529 |
| Cash dividends to net income (ytd only)* | 8.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 7,194 |
| Loan loss allowance to noncurrent loans | 121.9685% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 6,254 |
| Noncurrent loans to loans | 0.6453% | 5,961 |
| Net loans and leases to total assets | 64.6069% | 4,857 |
| Net loans and leases to deposits | 76.9673% | 5,033 |
| Net loans and leases to core deposits | 115.4974% | 2,761 |
| Total domestic deposits to total assets | 83.9408% | 3,803 |
| Equity capital to assets | 10.4353% | 3,482 |
| Core capital (leverage) ratio | 8.1030% | 6,161 |
| Tier 1 risk-based capital ratio | 11.7322% | 5,164 |
| Total risk-based capital ratio | 12.4960% | 5,559 |
| Memoranda: | ||
| Average total assets | $301,625,330 | 2,247 |
| Average earning assets | $274,189,670 | 2,258 |
| Average equity | $31,214,330 | 2,171 |
| Average total loans | $196,006,330 | 2,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 1,809 |
| Cost of funding earning assets | 2.5000% | 1,917 |
| Net interest margin | 3.6355% | 4,162 |
| Noninterest income to average assets | 0.5084% | 4,246 |
| Noninterest expense to average assets | 2.7159% | 4,927 |
| Loan and lease loss provision to assets | 0.0252% | 6,599 |
| Net operating income to assets | 0.8513% | 2,907 |
| Return on assets (ROA) | 0.8628% | 3,021 |
| Pretax return on assets | 1.0925% | 3,015 |
| Return on Equity (ROE) | 8.3726% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.0845% | 2,179 |
| Net charge-offs to loans | 0.0654% | 4,551 |
| Credit loss provision to net charge-offs | 59.3750% | 4,527 |
| Earnings coverage of net charge-offs (x) | 25.9688% | 1,193 |
| Efficiency ratio | 69.8992% | 4,601 |
| Assets per employee ($millions) | 4.1152% | 3,428 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 7,301 |
| Loan loss allowance to noncurrent loans | 272.9433% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,842 |
| Noncurrent loans to loans | 0.2765% | 6,749 |
| Net loans and leases to total assets | 65.3559% | 4,735 |
| Net loans and leases to deposits | 77.3697% | 5,033 |
| Net loans and leases to core deposits | 116.5048% | 2,741 |
| Total domestic deposits to total assets | 84.4722% | 3,474 |
| Equity capital to assets | 10.4411% | 3,521 |
| Core capital (leverage) ratio | 7.8113% | 6,732 |
| Tier 1 risk-based capital ratio | 11.2370% | 5,659 |
| Total risk-based capital ratio | 11.9646% | 6,078 |
| Memoranda: | ||
| Average total assets | $301,335,000 | 2,258 |
| Average earning assets | $274,401,500 | 2,268 |
| Average equity | $31,053,500 | 2,187 |
| Average total loans | $195,612,000 | 2,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4393% | 3,226 |
| Cost of funding earning assets | 2.9305% | 2,142 |
| Net interest margin | 3.5089% | 5,270 |
| Noninterest income to average assets | 0.5382% | 4,332 |
| Noninterest expense to average assets | 2.7181% | 5,187 |
| Loan and lease loss provision to assets | 0.1051% | 6,029 |
| Net operating income to assets | 0.7395% | 3,719 |
| Return on assets (ROA) | 0.7903% | 3,317 |
| Pretax return on assets | 0.9826% | 3,437 |
| Return on Equity (ROE) | 8.8357% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.1630% | 1,100 |
| Net charge-offs to loans | 0.2041% | 4,162 |
| Credit loss provision to net charge-offs | 80.2857% | 5,896 |
| Earnings coverage of net charge-offs (x) | 7.8229% | 3,018 |
| Efficiency ratio | 71.7241% | 3,989 |
| Assets per employee ($millions) | 4.0846% | 3,333 |
| Cash dividends to net income (ytd only)* | 18.9304% | 4,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 7,178 |
| Loan loss allowance to noncurrent loans | 284.6881% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,715 |
| Noncurrent loans to loans | 0.2735% | 6,554 |
| Net loans and leases to total assets | 63.4849% | 5,373 |
| Net loans and leases to deposits | 75.7587% | 5,615 |
| Net loans and leases to core deposits | 112.8718% | 3,462 |
| Total domestic deposits to total assets | 83.7988% | 3,428 |
| Equity capital to assets | 10.1703% | 3,842 |
| Core capital (leverage) ratio | 7.7442% | 6,871 |
| Tier 1 risk-based capital ratio | 10.9547% | 5,762 |
| Total risk-based capital ratio | 11.6892% | 6,150 |
| Memoranda: | ||
| Average total assets | $267,352,400 | 2,402 |
| Average earning assets | $244,124,400 | 2,416 |
| Average equity | $23,914,400 | 2,740 |
| Average total loans | $171,462,600 | 2,590 |