Home > Pilot Grove Savings Bank > Performance and Condition Ratios
Pilot Grove Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 2,891 |
| Cost of funding earning assets | 1.3730% | 2,301 |
| Net interest margin | 3.2283% | 2,803 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.6427% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8100% | 603 |
| Return on assets (ROA) | 1.6066% | 825 |
| Pretax return on assets | 1.6879% | 1,081 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 9.0667% | 1,238 |
| Net charge-offs to loans | 0.0152% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 159.8673% | 682 |
| Efficiency ratio | 46.3441% | 4,183 |
| Assets per employee ($millions) | 7.4205% | 1,792 |
| Cash dividends to net income (ytd only)* | 42.5009% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,333 |
| Loan loss allowance to noncurrent loans | 2,169.8370% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,296 |
| Noncurrent loans to loans | 0.0550% | 3,329 |
| Net loans and leases to total assets | 78.0900% | 860 |
| Net loans and leases to deposits | 87.9145% | 1,443 |
| Net loans and leases to core deposits | 92.8087% | 1,855 |
| Total domestic deposits to total assets | 88.8300% | 1,109 |
| Equity capital to assets | 10.6526% | 1,652 |
| Core capital (leverage) ratio | 10.4745% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1987% | 1,803 |
| Memoranda: | ||
| Average total assets | $823,766,000 | 1,155 |
| Average earning assets | $786,750,200 | 1,119 |
| Average equity | $83,933,200 | 1,091 |
| Average total loans | $644,240,200 | 1,033 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 2,924 |
| Cost of funding earning assets | 1.2779% | 2,203 |
| Net interest margin | 3.2205% | 2,867 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.6463% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8057% | 664 |
| Return on assets (ROA) | 1.6233% | 887 |
| Pretax return on assets | 1.7053% | 1,151 |
| Return on Equity (ROE) | 16.1200% | 1,235 |
| Retained earnings to average equity (ytd only) | 9.2940% | 1,607 |
| Net charge-offs to loans | 0.0142% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 171.2206% | 666 |
| Efficiency ratio | 46.4591% | 4,111 |
| Assets per employee ($millions) | 7.2673% | 1,774 |
| Cash dividends to net income (ytd only)* | 42.3509% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,250 |
| Loan loss allowance to noncurrent loans | 1,538.1958% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,200 |
| Noncurrent loans to loans | 0.0797% | 3,189 |
| Net loans and leases to total assets | 77.3000% | 963 |
| Net loans and leases to deposits | 86.4084% | 1,521 |
| Net loans and leases to core deposits | 90.8814% | 1,863 |
| Total domestic deposits to total assets | 89.4600% | 1,086 |
| Equity capital to assets | 10.0292% | 1,819 |
| Core capital (leverage) ratio | 10.3935% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0774% | 1,870 |
| Memoranda: | ||
| Average total assets | $818,223,250 | 1,161 |
| Average earning assets | $780,731,750 | 1,128 |
| Average equity | $82,388,000 | 1,104 |
| Average total loans | $638,146,750 | 1,037 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,973 |
| Cost of funding earning assets | 1.1753% | 2,063 |
| Net interest margin | 3.1888% | 3,017 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.6061% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8301% | 624 |
| Return on assets (ROA) | 1.5951% | 954 |
| Pretax return on assets | 1.6765% | 1,260 |
| Return on Equity (ROE) | 15.8200% | 1,300 |
| Retained earnings to average equity (ytd only) | 8.9511% | 1,699 |
| Net charge-offs to loans | 0.0231% | 1,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 107.0548% | 898 |
| Efficiency ratio | 45.4983% | 4,185 |
| Assets per employee ($millions) | 7.4010% | 1,662 |
| Cash dividends to net income (ytd only)* | 43.4172% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,186 |
| Loan loss allowance to noncurrent loans | 1,371.4041% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,062 |
| Noncurrent loans to loans | 0.0909% | 3,050 |
| Net loans and leases to total assets | 77.2400% | 911 |
| Net loans and leases to deposits | 86.4826% | 1,465 |
| Net loans and leases to core deposits | 90.4977% | 1,763 |
| Total domestic deposits to total assets | 89.3100% | 1,134 |
| Equity capital to assets | 10.1436% | 1,773 |
| Core capital (leverage) ratio | 10.2972% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0488% | 1,879 |
| Memoranda: | ||
| Average total assets | $812,384,333 | 1,165 |
| Average earning assets | $774,958,000 | 1,136 |
| Average equity | $81,911,333 | 1,102 |
| Average total loans | $632,848,333 | 1,030 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,116 |
| Cost of funding earning assets | 1.0215% | 1,975 |
| Net interest margin | 3.1397% | 3,263 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.6078% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8068% | 657 |
| Return on assets (ROA) | 1.5989% | 977 |
| Pretax return on assets | 1.6806% | 1,315 |
| Return on Equity (ROE) | 15.9100% | 1,376 |
| Retained earnings to average equity (ytd only) | 15.9061% | 698 |
| Net charge-offs to loans | 0.0274% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 89.2093% | 844 |
| Efficiency ratio | 45.8422% | 4,226 |
| Assets per employee ($millions) | 7.1170% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,137 |
| Loan loss allowance to noncurrent loans | 1,367.1769% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 2,989 |
| Noncurrent loans to loans | 0.0935% | 3,083 |
| Net loans and leases to total assets | 76.5400% | 922 |
| Net loans and leases to deposits | 85.7591% | 1,375 |
| Net loans and leases to core deposits | 89.9066% | 1,621 |
| Total domestic deposits to total assets | 89.2500% | 1,442 |
| Equity capital to assets | 10.2527% | 1,692 |
| Core capital (leverage) ratio | 10.4857% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5038% | 1,796 |
| Memoranda: | ||
| Average total assets | $807,819,500 | 1,190 |
| Average earning assets | $771,041,000 | 1,154 |
| Average equity | $81,201,500 | 1,123 |
| Average total loans | $627,998,000 | 1,044 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 2,551 |
| Cost of funding earning assets | 0.5711% | 1,013 |
| Net interest margin | 3.1198% | 3,114 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.6002% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7639% | 475 |
| Return on assets (ROA) | 1.6141% | 641 |
| Pretax return on assets | 1.6959% | 926 |
| Return on Equity (ROE) | 16.9500% | 871 |
| Retained earnings to average equity (ytd only) | 9.8043% | 1,218 |
| Net charge-offs to loans | -0.0520% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.3331% | 4,326 |
| Assets per employee ($millions) | 7.1812% | 1,839 |
| Cash dividends to net income (ytd only)* | 42.1503% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 1,955 |
| Loan loss allowance to noncurrent loans | 1,919.7150% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,237 |
| Noncurrent loans to loans | 0.0672% | 3,265 |
| Net loans and leases to total assets | 76.9400% | 907 |
| Net loans and leases to deposits | 85.7775% | 1,331 |
| Net loans and leases to core deposits | 88.7885% | 1,564 |
| Total domestic deposits to total assets | 89.7000% | 1,484 |
| Equity capital to assets | 9.8495% | 1,789 |
| Core capital (leverage) ratio | 9.9372% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0837% | 1,944 |
| Memoranda: | ||
| Average total assets | $803,834,000 | 1,182 |
| Average earning assets | $766,806,200 | 1,150 |
| Average equity | $76,558,400 | 1,168 |
| Average total loans | $592,317,400 | 1,044 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 2,368 |
| Cost of funding earning assets | 0.5244% | 663 |
| Net interest margin | 3.0681% | 3,029 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.6276% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6954% | 536 |
| Return on assets (ROA) | 1.6949% | 524 |
| Pretax return on assets | 1.7815% | 764 |
| Return on Equity (ROE) | 17.9500% | 648 |
| Retained earnings to average equity (ytd only) | 10.8114% | 1,103 |
| Net charge-offs to loans | -0.0694% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.7351% | 4,289 |
| Assets per employee ($millions) | 7.0481% | 1,912 |
| Cash dividends to net income (ytd only)* | 39.7671% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,946 |
| Loan loss allowance to noncurrent loans | 1,429.7345% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,165 |
| Noncurrent loans to loans | 0.0923% | 3,221 |
| Net loans and leases to total assets | 75.2000% | 996 |
| Net loans and leases to deposits | 83.2755% | 1,351 |
| Net loans and leases to core deposits | 86.6246% | 1,492 |
| Total domestic deposits to total assets | 90.3000% | 1,527 |
| Equity capital to assets | 9.2056% | 2,075 |
| Core capital (leverage) ratio | 9.7271% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7958% | 2,131 |
| Memoranda: | ||
| Average total assets | $803,718,000 | 1,188 |
| Average earning assets | $767,101,750 | 1,157 |
| Average equity | $75,893,250 | 1,194 |
| Average total loans | $583,661,000 | 1,051 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 2,125 |
| Cost of funding earning assets | 0.5079% | 495 |
| Net interest margin | 2.9986% | 2,879 |
| Noninterest income to average assets | 0.4752% | 2,331 |
| Noninterest expense to average assets | 1.5974% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6472% | 491 |
| Return on assets (ROA) | 1.6422% | 486 |
| Pretax return on assets | 1.7253% | 706 |
| Return on Equity (ROE) | 17.2468% | 540 |
| Retained earnings to average equity (ytd only) | 10.3063% | 948 |
| Net charge-offs to loans | -0.1132% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0000% | 4,343 |
| Assets per employee ($millions) | 7.0477% | 1,906 |
| Cash dividends to net income (ytd only)* | 40.2424% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 1,901 |
| Loan loss allowance to noncurrent loans | 1,384.4444% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,231 |
| Noncurrent loans to loans | 0.0986% | 3,268 |
| Net loans and leases to total assets | 71.5458% | 1,158 |
| Net loans and leases to deposits | 79.1607% | 1,453 |
| Net loans and leases to core deposits | 81.8552% | 1,603 |
| Total domestic deposits to total assets | 90.3805% | 1,522 |
| Equity capital to assets | 9.1557% | 2,275 |
| Core capital (leverage) ratio | 9.5425% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5961% | 2,255 |
| Memoranda: | ||
| Average total assets | $803,798,000 | 1,189 |
| Average earning assets | $764,696,333 | 1,172 |
| Average equity | $76,536,000 | 1,209 |
| Average total loans | $574,124,333 | 1,055 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 1,855 |
| Cost of funding earning assets | 0.5085% | 473 |
| Net interest margin | 2.9762% | 2,580 |
| Noninterest income to average assets | 0.4964% | 2,159 |
| Noninterest expense to average assets | 1.6267% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6079% | 497 |
| Return on assets (ROA) | 1.6037% | 503 |
| Pretax return on assets | 1.6855% | 704 |
| Return on Equity (ROE) | 16.5162% | 478 |
| Retained earnings to average equity (ytd only) | 16.5162% | 205 |
| Net charge-offs to loans | -0.2387% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0466% | 4,359 |
| Assets per employee ($millions) | 7.0471% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,814 |
| Loan loss allowance to noncurrent loans | 565.6206% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,546 |
| Noncurrent loans to loans | 0.2521% | 2,579 |
| Net loans and leases to total assets | 69.1778% | 1,099 |
| Net loans and leases to deposits | 76.7808% | 1,382 |
| Net loans and leases to core deposits | 79.5519% | 1,514 |
| Total domestic deposits to total assets | 90.0978% | 1,504 |
| Equity capital to assets | 9.4316% | 2,338 |
| Core capital (leverage) ratio | 9.6715% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2316% | 2,104 |
| Memoranda: | ||
| Average total assets | $796,929,000 | 1,198 |
| Average earning assets | $755,197,000 | 1,185 |
| Average equity | $77,378,500 | 1,225 |
| Average total loans | $564,680,500 | 1,062 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 1,660 |
| Cost of funding earning assets | 0.5715% | 627 |
| Net interest margin | 3.3127% | 2,277 |
| Noninterest income to average assets | 0.5164% | 2,497 |
| Noninterest expense to average assets | 1.6947% | 4,302 |
| Loan and lease loss provision to assets | 0.1981% | 549 |
| Net operating income to assets | 1.6820% | 659 |
| Return on assets (ROA) | 1.6864% | 675 |
| Pretax return on assets | 1.7712% | 975 |
| Return on Equity (ROE) | 16.4753% | 683 |
| Retained earnings to average equity (ytd only) | 5.8144% | 2,435 |
| Net charge-offs to loans | 0.1674% | 573 |
| Credit loss provision to net charge-offs | 166.1130% | 1,431 |
| Earnings coverage of net charge-offs (x) | 16.4729% | 1,972 |
| Efficiency ratio | 46.0983% | 4,498 |
| Assets per employee ($millions) | 6.8126% | 2,056 |
| Cash dividends to net income (ytd only)* | 64.7086% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 1,966 |
| Loan loss allowance to noncurrent loans | 181.1277% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 1,199 |
| Noncurrent loans to loans | 0.7656% | 1,325 |
| Net loans and leases to total assets | 70.5665% | 977 |
| Net loans and leases to deposits | 78.8014% | 1,320 |
| Net loans and leases to core deposits | 81.7488% | 1,480 |
| Total domestic deposits to total assets | 89.5499% | 1,209 |
| Equity capital to assets | 9.9971% | 2,660 |
| Core capital (leverage) ratio | 9.4625% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0072% | 2,249 |
| Memoranda: | ||
| Average total assets | $757,114,600 | 1,210 |
| Average earning assets | $718,321,600 | 1,192 |
| Average equity | $77,497,800 | 1,238 |
| Average total loans | $539,266,600 | 1,103 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0254% | 1,478 |
| Cost of funding earning assets | 0.5834% | 690 |
| Net interest margin | 3.4420% | 2,035 |
| Noninterest income to average assets | 0.5289% | 2,505 |
| Noninterest expense to average assets | 1.6859% | 4,350 |
| Loan and lease loss provision to assets | 0.1332% | 860 |
| Net operating income to assets | 1.8808% | 579 |
| Return on assets (ROA) | 1.8859% | 596 |
| Pretax return on assets | 1.9786% | 831 |
| Return on Equity (ROE) | 18.3128% | 593 |
| Retained earnings to average equity (ytd only) | 6.7552% | 2,515 |
| Net charge-offs to loans | 0.1785% | 483 |
| Credit loss provision to net charge-offs | 104.8951% | 1,547 |
| Earnings coverage of net charge-offs (x) | 16.5846% | 1,831 |
| Efficiency ratio | 44.2055% | 4,578 |
| Assets per employee ($millions) | 6.8474% | 1,985 |
| Cash dividends to net income (ytd only)* | 63.1123% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,384 |
| Loan loss allowance to noncurrent loans | 120.3605% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 904 |
| Noncurrent loans to loans | 1.0984% | 1,026 |
| Net loans and leases to total assets | 70.8237% | 1,009 |
| Net loans and leases to deposits | 79.4293% | 1,338 |
| Net loans and leases to core deposits | 81.9089% | 1,578 |
| Total domestic deposits to total assets | 89.1657% | 1,187 |
| Equity capital to assets | 10.2926% | 2,619 |
| Core capital (leverage) ratio | 9.5409% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3512% | 2,231 |
| Memoranda: | ||
| Average total assets | $750,532,000 | 1,236 |
| Average earning assets | $711,630,500 | 1,215 |
| Average equity | $77,291,750 | 1,259 |
| Average total loans | $533,927,250 | 1,132 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 1,766 |
| Cost of funding earning assets | 0.5957% | 763 |
| Net interest margin | 3.3244% | 2,364 |
| Noninterest income to average assets | 0.5320% | 2,481 |
| Noninterest expense to average assets | 1.6983% | 4,362 |
| Loan and lease loss provision to assets | 0.1338% | 920 |
| Net operating income to assets | 1.7764% | 754 |
| Return on assets (ROA) | 1.7825% | 779 |
| Pretax return on assets | 1.8575% | 1,104 |
| Return on Equity (ROE) | 17.3060% | 741 |
| Retained earnings to average equity (ytd only) | 11.4603% | 1,024 |
| Net charge-offs to loans | 0.2204% | 394 |
| Credit loss provision to net charge-offs | 85.6164% | 1,459 |
| Earnings coverage of net charge-offs (x) | 12.7003% | 1,713 |
| Efficiency ratio | 45.8548% | 4,523 |
| Assets per employee ($millions) | 6.6826% | 2,033 |
| Cash dividends to net income (ytd only)* | 33.7787% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,360 |
| Loan loss allowance to noncurrent loans | 132.1103% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 1,154 |
| Noncurrent loans to loans | 0.9965% | 1,239 |
| Net loans and leases to total assets | 69.7952% | 1,223 |
| Net loans and leases to deposits | 78.6710% | 1,560 |
| Net loans and leases to core deposits | 81.2010% | 1,778 |
| Total domestic deposits to total assets | 88.7178% | 1,437 |
| Equity capital to assets | 10.3533% | 2,534 |
| Core capital (leverage) ratio | 9.5005% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1610% | 1,920 |
| Memoranda: | ||
| Average total assets | $747,356,333 | 1,232 |
| Average earning assets | $708,389,333 | 1,213 |
| Average equity | $76,979,000 | 1,254 |
| Average total loans | $530,065,000 | 1,140 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 2,747 |
| Cost of funding earning assets | 0.6081% | 846 |
| Net interest margin | 2.9561% | 3,364 |
| Noninterest income to average assets | 0.5826% | 2,283 |
| Noninterest expense to average assets | 1.6019% | 4,531 |
| Loan and lease loss provision to assets | 0.1351% | 1,000 |
| Net operating income to assets | 1.5566% | 1,204 |
| Return on assets (ROA) | 1.5678% | 1,241 |
| Pretax return on assets | 1.6581% | 1,585 |
| Return on Equity (ROE) | 15.2621% | 1,158 |
| Retained earnings to average equity (ytd only) | 15.2621% | 598 |
| Net charge-offs to loans | 0.3401% | 245 |
| Credit loss provision to net charge-offs | 55.9284% | 1,290 |
| Earnings coverage of net charge-offs (x) | 7.3736% | 1,619 |
| Efficiency ratio | 47.0607% | 4,401 |
| Assets per employee ($millions) | 6.7928% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,389 |
| Loan loss allowance to noncurrent loans | 109.8002% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 1,040 |
| Noncurrent loans to loans | 1.1945% | 1,103 |
| Net loans and leases to total assets | 68.4257% | 1,474 |
| Net loans and leases to deposits | 76.9055% | 1,812 |
| Net loans and leases to core deposits | 79.2054% | 2,078 |
| Total domestic deposits to total assets | 88.9738% | 1,355 |
| Equity capital to assets | 10.0782% | 2,638 |
| Core capital (leverage) ratio | 9.7888% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8007% | 1,636 |
| Memoranda: | ||
| Average total assets | $740,123,500 | 1,233 |
| Average earning assets | $701,200,500 | 1,209 |
| Average equity | $76,031,500 | 1,263 |
| Average total loans | $525,693,500 | 1,146 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 2,387 |
| Cost of funding earning assets | 0.8824% | 905 |
| Net interest margin | 3.2297% | 3,273 |
| Noninterest income to average assets | 0.4947% | 2,653 |
| Noninterest expense to average assets | 1.8509% | 4,390 |
| Loan and lease loss provision to assets | 0.0449% | 3,838 |
| Net operating income to assets | 1.5788% | 671 |
| Return on assets (ROA) | 1.5776% | 730 |
| Pretax return on assets | 1.6569% | 937 |
| Return on Equity (ROE) | 14.6296% | 698 |
| Retained earnings to average equity (ytd only) | 8.5582% | 893 |
| Net charge-offs to loans | 0.0897% | 1,558 |
| Credit loss provision to net charge-offs | 63.2911% | 3,075 |
| Earnings coverage of net charge-offs (x) | 24.0084% | 1,787 |
| Efficiency ratio | 50.1474% | 4,521 |
| Assets per employee ($millions) | 6.1437% | 2,217 |
| Cash dividends to net income (ytd only)* | 41.5007% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,041 |
| Loan loss allowance to noncurrent loans | 399.8329% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,028 |
| Noncurrent loans to loans | 0.3457% | 2,965 |
| Net loans and leases to total assets | 71.8439% | 1,305 |
| Net loans and leases to deposits | 80.9691% | 1,766 |
| Net loans and leases to core deposits | 83.5859% | 2,073 |
| Total domestic deposits to total assets | 88.7301% | 1,105 |
| Equity capital to assets | 10.4825% | 2,689 |
| Core capital (leverage) ratio | 9.6683% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7015% | 1,629 |
| Memoranda: | ||
| Average total assets | $668,217,200 | 1,222 |
| Average earning assets | $632,942,600 | 1,207 |
| Average equity | $72,059,400 | 1,268 |
| Average total loans | $528,273,800 | 1,091 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,481 |
| Cost of funding earning assets | 0.9101% | 1,035 |
| Net interest margin | 3.2549% | 3,321 |
| Noninterest income to average assets | 0.5067% | 2,592 |
| Noninterest expense to average assets | 1.8428% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6661% | 626 |
| Return on assets (ROA) | 1.6632% | 699 |
| Pretax return on assets | 1.7470% | 876 |
| Return on Equity (ROE) | 15.3072% | 646 |
| Retained earnings to average equity (ytd only) | 9.4716% | 869 |
| Net charge-offs to loans | 0.1005% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 21.5625% | 1,860 |
| Efficiency ratio | 49.1896% | 4,543 |
| Assets per employee ($millions) | 6.2999% | 1,998 |
| Cash dividends to net income (ytd only)* | 38.1237% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,148 |
| Loan loss allowance to noncurrent loans | 458.2070% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 3,308 |
| Noncurrent loans to loans | 0.2841% | 3,268 |
| Net loans and leases to total assets | 76.0396% | 1,088 |
| Net loans and leases to deposits | 85.9853% | 1,711 |
| Net loans and leases to core deposits | 89.0951% | 2,055 |
| Total domestic deposits to total assets | 88.4333% | 1,001 |
| Equity capital to assets | 10.6261% | 2,687 |
| Core capital (leverage) ratio | 9.9852% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6050% | 1,622 |
| Memoranda: | ||
| Average total assets | $657,105,000 | 1,224 |
| Average earning assets | $623,048,500 | 1,209 |
| Average equity | $71,398,000 | 1,262 |
| Average total loans | $530,546,250 | 1,080 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 2,588 |
| Cost of funding earning assets | 0.9373% | 1,202 |
| Net interest margin | 3.3206% | 3,332 |
| Noninterest income to average assets | 0.4849% | 2,629 |
| Noninterest expense to average assets | 1.8498% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6924% | 631 |
| Return on assets (ROA) | 1.6868% | 691 |
| Pretax return on assets | 1.7757% | 852 |
| Return on Equity (ROE) | 15.4024% | 647 |
| Retained earnings to average equity (ytd only) | 10.0946% | 775 |
| Net charge-offs to loans | 0.1473% | 980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.7359% | 1,936 |
| Efficiency ratio | 48.8305% | 4,570 |
| Assets per employee ($millions) | 7.0310% | 1,421 |
| Cash dividends to net income (ytd only)* | 34.4606% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,030 |
| Loan loss allowance to noncurrent loans | 331.9504% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 2,577 |
| Noncurrent loans to loans | 0.3900% | 3,007 |
| Net loans and leases to total assets | 78.6245% | 764 |
| Net loans and leases to deposits | 88.9989% | 1,451 |
| Net loans and leases to core deposits | 92.2549% | 1,878 |
| Total domestic deposits to total assets | 88.3432% | 1,019 |
| Equity capital to assets | 10.6913% | 2,581 |
| Core capital (leverage) ratio | 9.8002% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3298% | 1,684 |
| Memoranda: | ||
| Average total assets | $645,143,667 | 1,218 |
| Average earning assets | $611,340,333 | 1,202 |
| Average equity | $70,651,333 | 1,258 |
| Average total loans | $529,429,333 | 1,070 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,525 |
| Cost of funding earning assets | 0.9546% | 1,632 |
| Net interest margin | 3.4695% | 3,082 |
| Noninterest income to average assets | 0.5344% | 2,370 |
| Noninterest expense to average assets | 1.8514% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8678% | 358 |
| Return on assets (ROA) | 1.8533% | 410 |
| Pretax return on assets | 1.9504% | 510 |
| Return on Equity (ROE) | 16.7108% | 363 |
| Retained earnings to average equity (ytd only) | 16.7108% | 125 |
| Net charge-offs to loans | 0.0053% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 442.4286% | 149 |
| Efficiency ratio | 46.4583% | 4,817 |
| Assets per employee ($millions) | 6.6752% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,714 |
| Loan loss allowance to noncurrent loans | 233.8109% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 2,448 |
| Noncurrent loans to loans | 0.5973% | 2,502 |
| Net loans and leases to total assets | 80.9109% | 577 |
| Net loans and leases to deposits | 92.0185% | 1,281 |
| Net loans and leases to core deposits | 95.8118% | 1,809 |
| Total domestic deposits to total assets | 87.9289% | 1,142 |
| Equity capital to assets | 11.1252% | 2,756 |
| Core capital (leverage) ratio | 10.4161% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4657% | 2,091 |
| Memoranda: | ||
| Average total assets | $630,227,000 | 1,217 |
| Average earning assets | $596,280,000 | 1,194 |
| Average equity | $69,895,000 | 1,259 |
| Average total loans | $525,315,000 | 1,053 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 2,601 |
| Cost of funding earning assets | 0.9755% | 1,830 |
| Net interest margin | 3.6281% | 3,048 |
| Noninterest income to average assets | 0.5471% | 2,503 |
| Noninterest expense to average assets | 2.0032% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8626% | 463 |
| Return on assets (ROA) | 1.8735% | 478 |
| Pretax return on assets | 1.9681% | 641 |
| Return on Equity (ROE) | 16.8533% | 436 |
| Retained earnings to average equity (ytd only) | 6.0161% | 1,860 |
| Net charge-offs to loans | 0.0162% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 139.9405% | 521 |
| Efficiency ratio | 48.3607% | 4,813 |
| Assets per employee ($millions) | 6.1350% | 1,531 |
| Cash dividends to net income (ytd only)* | 64.3035% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,517 |
| Loan loss allowance to noncurrent loans | 262.1612% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 2,432 |
| Noncurrent loans to loans | 0.5343% | 2,575 |
| Net loans and leases to total assets | 83.5076% | 367 |
| Net loans and leases to deposits | 94.7292% | 1,081 |
| Net loans and leases to core deposits | 98.9778% | 1,652 |
| Total domestic deposits to total assets | 88.1541% | 1,060 |
| Equity capital to assets | 11.0545% | 2,943 |
| Core capital (leverage) ratio | 9.9894% | 3,530 |
| Tier 1 risk-based capital ratio | 12.7639% | 3,911 |
| Total risk-based capital ratio | 14.0172% | 3,804 |
| Memoranda: | ||
| Average total assets | $600,795,800 | 1,222 |
| Average earning assets | $565,122,000 | 1,208 |
| Average equity | $66,788,000 | 1,270 |
| Average total loans | $519,589,200 | 1,041 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,657 |
| Cost of funding earning assets | 0.9562% | 1,963 |
| Net interest margin | 3.6639% | 3,049 |
| Noninterest income to average assets | 0.5563% | 2,427 |
| Noninterest expense to average assets | 2.0129% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8888% | 503 |
| Return on assets (ROA) | 1.9030% | 508 |
| Pretax return on assets | 1.9985% | 686 |
| Return on Equity (ROE) | 17.0940% | 466 |
| Retained earnings to average equity (ytd only) | 5.4408% | 2,650 |
| Net charge-offs to loans | -0.0298% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0998% | 4,847 |
| Assets per employee ($millions) | 6.3649% | 1,350 |
| Cash dividends to net income (ytd only)* | 68.1711% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,427 |
| Loan loss allowance to noncurrent loans | 298.6946% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 2,656 |
| Noncurrent loans to loans | 0.4814% | 2,853 |
| Net loans and leases to total assets | 83.8278% | 371 |
| Net loans and leases to deposits | 95.1295% | 1,109 |
| Net loans and leases to core deposits | 99.1743% | 1,727 |
| Total domestic deposits to total assets | 88.1197% | 987 |
| Equity capital to assets | 10.8839% | 3,216 |
| Core capital (leverage) ratio | 10.1325% | 3,490 |
| Tier 1 risk-based capital ratio | 12.3421% | 4,238 |
| Total risk-based capital ratio | 13.5958% | 4,110 |
| Memoranda: | ||
| Average total assets | $596,086,750 | 1,232 |
| Average earning assets | $559,686,250 | 1,216 |
| Average equity | $66,360,750 | 1,272 |
| Average total loans | $518,288,750 | 1,044 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 2,685 |
| Cost of funding earning assets | 0.9343% | 1,982 |
| Net interest margin | 3.6637% | 3,055 |
| Noninterest income to average assets | 0.5610% | 2,339 |
| Noninterest expense to average assets | 2.0313% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8757% | 508 |
| Return on assets (ROA) | 1.8931% | 511 |
| Pretax return on assets | 1.9889% | 689 |
| Return on Equity (ROE) | 16.8730% | 485 |
| Retained earnings to average equity (ytd only) | 7.7933% | 1,473 |
| Net charge-offs to loans | -0.0368% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3835% | 4,877 |
| Assets per employee ($millions) | 5.8878% | 1,624 |
| Cash dividends to net income (ytd only)* | 53.8117% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,448 |
| Loan loss allowance to noncurrent loans | 250.8328% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 2,324 |
| Noncurrent loans to loans | 0.5755% | 2,535 |
| Net loans and leases to total assets | 86.4463% | 181 |
| Net loans and leases to deposits | 98.4757% | 798 |
| Net loans and leases to core deposits | 102.8068% | 1,489 |
| Total domestic deposits to total assets | 87.7844% | 1,204 |
| Equity capital to assets | 11.2764% | 2,796 |
| Core capital (leverage) ratio | 10.2422% | 3,345 |
| Tier 1 risk-based capital ratio | 12.4210% | 4,175 |
| Total risk-based capital ratio | 13.6747% | 4,052 |
| Memoranda: | ||
| Average total assets | $588,983,000 | 1,247 |
| Average earning assets | $553,159,670 | 1,230 |
| Average equity | $66,082,000 | 1,273 |
| Average total loans | $516,017,670 | 1,042 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 2,758 |
| Cost of funding earning assets | 0.8852% | 2,071 |
| Net interest margin | 3.6468% | 3,083 |
| Noninterest income to average assets | 0.5589% | 2,233 |
| Noninterest expense to average assets | 2.0637% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8262% | 538 |
| Return on assets (ROA) | 1.8262% | 557 |
| Pretax return on assets | 1.9224% | 755 |
| Return on Equity (ROE) | 16.3184% | 557 |
| Retained earnings to average equity (ytd only) | 16.3184% | 212 |
| Net charge-offs to loans | -0.0132% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3751% | 4,866 |
| Assets per employee ($millions) | 5.8761% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,502 |
| Loan loss allowance to noncurrent loans | 488.9764% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,371 |
| Noncurrent loans to loans | 0.2971% | 3,500 |
| Net loans and leases to total assets | 85.1779% | 260 |
| Net loans and leases to deposits | 97.0549% | 886 |
| Net loans and leases to core deposits | 100.5964% | 1,565 |
| Total domestic deposits to total assets | 87.7626% | 1,452 |
| Equity capital to assets | 11.2941% | 2,566 |
| Core capital (leverage) ratio | 10.4726% | 3,077 |
| Tier 1 risk-based capital ratio | 12.5456% | 4,139 |
| Total risk-based capital ratio | 13.7995% | 4,013 |
| Memoranda: | ||
| Average total assets | $586,142,000 | 1,250 |
| Average earning assets | $550,846,000 | 1,237 |
| Average equity | $65,594,500 | 1,272 |
| Average total loans | $513,228,500 | 1,050 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 2,562 |
| Cost of funding earning assets | 0.7024% | 2,078 |
| Net interest margin | 3.7638% | 2,807 |
| Noninterest income to average assets | 0.5310% | 2,653 |
| Noninterest expense to average assets | 1.9942% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9595% | 388 |
| Return on assets (ROA) | 1.9599% | 390 |
| Pretax return on assets | 2.0586% | 485 |
| Return on Equity (ROE) | 18.3007% | 362 |
| Retained earnings to average equity (ytd only) | 7.3885% | 1,504 |
| Net charge-offs to loans | -0.0004% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8395% | 5,093 |
| Assets per employee ($millions) | 5.3101% | 2,139 |
| Cash dividends to net income (ytd only)* | 59.6271% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,457 |
| Loan loss allowance to noncurrent loans | 399.5164% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 3,136 |
| Noncurrent loans to loans | 0.3624% | 3,237 |
| Net loans and leases to total assets | 87.4314% | 140 |
| Net loans and leases to deposits | 99.3079% | 790 |
| Net loans and leases to core deposits | 102.4183% | 1,550 |
| Total domestic deposits to total assets | 88.0408% | 1,283 |
| Equity capital to assets | 11.0850% | 2,606 |
| Core capital (leverage) ratio | 9.9409% | 3,661 |
| Tier 1 risk-based capital ratio | 11.9909% | 4,426 |
| Total risk-based capital ratio | 13.2448% | 4,322 |
| Memoranda: | ||
| Average total assets | $588,309,400 | 1,227 |
| Average earning assets | $550,425,200 | 1,215 |
| Average equity | $63,003,200 | 1,269 |
| Average total loans | $502,714,400 | 1,042 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 2,565 |
| Cost of funding earning assets | 0.6865% | 1,933 |
| Net interest margin | 3.7338% | 2,884 |
| Noninterest income to average assets | 0.5246% | 2,717 |
| Noninterest expense to average assets | 1.9150% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9961% | 382 |
| Return on assets (ROA) | 1.9963% | 377 |
| Pretax return on assets | 2.0974% | 482 |
| Return on Equity (ROE) | 18.8024% | 356 |
| Retained earnings to average equity (ytd only) | 11.3614% | 581 |
| Net charge-offs to loans | -0.0104% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3558% | 5,174 |
| Assets per employee ($millions) | 5.4949% | 1,919 |
| Cash dividends to net income (ytd only)* | 39.5748% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,420 |
| Loan loss allowance to noncurrent loans | 486.4583% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 3,646 |
| Noncurrent loans to loans | 0.3041% | 3,584 |
| Net loans and leases to total assets | 84.6365% | 384 |
| Net loans and leases to deposits | 96.1734% | 1,135 |
| Net loans and leases to core deposits | 98.8834% | 1,876 |
| Total domestic deposits to total assets | 88.0041% | 1,237 |
| Equity capital to assets | 11.0115% | 2,656 |
| Core capital (leverage) ratio | 10.0415% | 3,589 |
| Tier 1 risk-based capital ratio | 12.1680% | 4,397 |
| Total risk-based capital ratio | 13.4221% | 4,294 |
| Memoranda: | ||
| Average total assets | $590,687,000 | 1,224 |
| Average earning assets | $551,746,000 | 1,216 |
| Average equity | $62,714,000 | 1,275 |
| Average total loans | $500,021,250 | 1,049 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 2,510 |
| Cost of funding earning assets | 0.6738% | 1,781 |
| Net interest margin | 3.6962% | 2,940 |
| Noninterest income to average assets | 0.5068% | 2,822 |
| Noninterest expense to average assets | 1.8952% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9669% | 407 |
| Return on assets (ROA) | 1.9669% | 404 |
| Pretax return on assets | 2.0666% | 519 |
| Return on Equity (ROE) | 18.7563% | 353 |
| Retained earnings to average equity (ytd only) | 13.9206% | 287 |
| Net charge-offs to loans | 0.0229% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 107.2456% | 667 |
| Efficiency ratio | 45.4476% | 5,233 |
| Assets per employee ($millions) | 5.4236% | 1,970 |
| Cash dividends to net income (ytd only)* | 25.7821% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,498 |
| Loan loss allowance to noncurrent loans | 272.1771% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 2,863 |
| Noncurrent loans to loans | 0.5388% | 2,800 |
| Net loans and leases to total assets | 84.6020% | 393 |
| Net loans and leases to deposits | 95.9729% | 1,140 |
| Net loans and leases to core deposits | 99.1423% | 1,805 |
| Total domestic deposits to total assets | 88.1519% | 1,304 |
| Equity capital to assets | 10.9011% | 2,730 |
| Core capital (leverage) ratio | 9.6033% | 3,993 |
| Tier 1 risk-based capital ratio | 11.8999% | 4,562 |
| Total risk-based capital ratio | 13.1537% | 4,439 |
| Memoranda: | ||
| Average total assets | $591,596,670 | 1,218 |
| Average earning assets | $552,996,000 | 1,213 |
| Average equity | $62,037,670 | 1,287 |
| Average total loans | $498,328,670 | 1,050 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,569 |
| Cost of funding earning assets | 0.6473% | 1,732 |
| Net interest margin | 3.6406% | 3,026 |
| Noninterest income to average assets | 0.4999% | 2,800 |
| Noninterest expense to average assets | 1.9216% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8785% | 476 |
| Return on assets (ROA) | 1.8785% | 481 |
| Pretax return on assets | 1.9727% | 606 |
| Return on Equity (ROE) | 18.2693% | 386 |
| Retained earnings to average equity (ytd only) | 18.2693% | 144 |
| Net charge-offs to loans | 0.0121% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 195.4667% | 345 |
| Efficiency ratio | 46.9419% | 5,235 |
| Assets per employee ($millions) | 5.6078% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,486 |
| Loan loss allowance to noncurrent loans | 952.2465% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 4,216 |
| Noncurrent loans to loans | 0.1569% | 4,278 |
| Net loans and leases to total assets | 81.5314% | 721 |
| Net loans and leases to deposits | 91.7563% | 1,480 |
| Net loans and leases to core deposits | 95.2028% | 2,038 |
| Total domestic deposits to total assets | 88.8565% | 1,173 |
| Equity capital to assets | 10.3951% | 3,173 |
| Core capital (leverage) ratio | 9.5134% | 4,054 |
| Tier 1 risk-based capital ratio | 11.5644% | 4,831 |
| Total risk-based capital ratio | 12.8182% | 4,720 |
| Memoranda: | ||
| Average total assets | $594,520,000 | 1,222 |
| Average earning assets | $554,304,000 | 1,222 |
| Average equity | $61,130,000 | 1,307 |
| Average total loans | $496,027,000 | 1,060 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,235 |
| Cost of funding earning assets | 0.6221% | 1,454 |
| Net interest margin | 3.7076% | 2,770 |
| Noninterest income to average assets | 0.5230% | 2,860 |
| Noninterest expense to average assets | 1.9560% | 5,035 |
| Loan and lease loss provision to assets | 0.1868% | 1,135 |
| Net operating income to assets | 1.7337% | 490 |
| Return on assets (ROA) | 1.7377% | 498 |
| Pretax return on assets | 1.8258% | 739 |
| Return on Equity (ROE) | 17.8892% | 319 |
| Retained earnings to average equity (ytd only) | 9.9107% | 360 |
| Net charge-offs to loans | 0.1359% | 1,708 |
| Credit loss provision to net charge-offs | 167.4277% | 1,602 |
| Earnings coverage of net charge-offs (x) | 17.9985% | 2,101 |
| Efficiency ratio | 46.9174% | 5,363 |
| Assets per employee ($millions) | 5.5567% | 1,883 |
| Cash dividends to net income (ytd only)* | 44.5997% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,410 |
| Loan loss allowance to noncurrent loans | 791.5868% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 4,129 |
| Noncurrent loans to loans | 0.1895% | 4,159 |
| Net loans and leases to total assets | 82.8492% | 580 |
| Net loans and leases to deposits | 93.0479% | 1,384 |
| Net loans and leases to core deposits | 96.3078% | 1,997 |
| Total domestic deposits to total assets | 89.0393% | 986 |
| Equity capital to assets | 10.1673% | 3,526 |
| Core capital (leverage) ratio | 8.9575% | 4,701 |
| Tier 1 risk-based capital ratio | 11.0282% | 5,130 |
| Total risk-based capital ratio | 12.2820% | 5,012 |
| Memoranda: | ||
| Average total assets | $588,767,600 | 1,216 |
| Average earning assets | $546,504,200 | 1,214 |
| Average equity | $57,190,800 | 1,377 |
| Average total loans | $483,445,000 | 1,064 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,298 |
| Cost of funding earning assets | 0.6152% | 1,431 |
| Net interest margin | 3.6734% | 2,847 |
| Noninterest income to average assets | 0.5257% | 2,863 |
| Noninterest expense to average assets | 1.9468% | 5,050 |
| Loan and lease loss provision to assets | 0.1359% | 1,588 |
| Net operating income to assets | 1.7620% | 508 |
| Return on assets (ROA) | 1.7654% | 521 |
| Pretax return on assets | 1.8544% | 775 |
| Return on Equity (ROE) | 18.3893% | 307 |
| Retained earnings to average equity (ytd only) | 9.8375% | 619 |
| Net charge-offs to loans | 0.1307% | 1,479 |
| Credit loss provision to net charge-offs | 127.3885% | 1,919 |
| Earnings coverage of net charge-offs (x) | 18.6243% | 2,034 |
| Efficiency ratio | 47.0693% | 5,382 |
| Assets per employee ($millions) | 5.8658% | 1,597 |
| Cash dividends to net income (ytd only)* | 46.5042% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,738 |
| Loan loss allowance to noncurrent loans | 353.4757% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 3,601 |
| Noncurrent loans to loans | 0.4074% | 3,479 |
| Net loans and leases to total assets | 82.2357% | 645 |
| Net loans and leases to deposits | 92.2265% | 1,541 |
| Net loans and leases to core deposits | 95.3811% | 2,138 |
| Total domestic deposits to total assets | 89.1672% | 799 |
| Equity capital to assets | 9.9308% | 3,991 |
| Core capital (leverage) ratio | 8.7979% | 4,970 |
| Tier 1 risk-based capital ratio | 10.6627% | 5,386 |
| Total risk-based capital ratio | 11.9158% | 5,316 |
| Memoranda: | ||
| Average total assets | $588,708,000 | 1,226 |
| Average earning assets | $546,139,750 | 1,224 |
| Average equity | $56,517,000 | 1,401 |
| Average total loans | $480,451,250 | 1,073 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,223 |
| Cost of funding earning assets | 0.6103% | 1,384 |
| Net interest margin | 3.6618% | 2,788 |
| Noninterest income to average assets | 0.5250% | 2,859 |
| Noninterest expense to average assets | 1.9280% | 5,129 |
| Loan and lease loss provision to assets | 0.1021% | 1,984 |
| Net operating income to assets | 1.7908% | 461 |
| Return on assets (ROA) | 1.7908% | 475 |
| Pretax return on assets | 1.8878% | 679 |
| Return on Equity (ROE) | 18.8719% | 269 |
| Retained earnings to average equity (ytd only) | 8.3309% | 1,046 |
| Net charge-offs to loans | 0.0605% | 2,059 |
| Credit loss provision to net charge-offs | 208.3333% | 1,230 |
| Earnings coverage of net charge-offs (x) | 40.5903% | 1,238 |
| Efficiency ratio | 46.8022% | 5,444 |
| Assets per employee ($millions) | 6.0205% | 1,450 |
| Cash dividends to net income (ytd only)* | 55.8555% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,650 |
| Loan loss allowance to noncurrent loans | 568.4169% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 4,225 |
| Noncurrent loans to loans | 0.2602% | 4,104 |
| Net loans and leases to total assets | 81.4871% | 747 |
| Net loans and leases to deposits | 91.1660% | 1,588 |
| Net loans and leases to core deposits | 94.3513% | 2,122 |
| Total domestic deposits to total assets | 89.3831% | 767 |
| Equity capital to assets | 9.7792% | 4,142 |
| Core capital (leverage) ratio | 8.4134% | 5,275 |
| Tier 1 risk-based capital ratio | 10.3345% | 5,528 |
| Total risk-based capital ratio | 11.5878% | 5,454 |
| Memoranda: | ||
| Average total assets | $587,461,330 | 1,228 |
| Average earning assets | $544,325,670 | 1,227 |
| Average equity | $55,744,330 | 1,421 |
| Average total loans | $475,827,330 | 1,086 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 2,199 |
| Cost of funding earning assets | 0.5981% | 1,387 |
| Net interest margin | 3.6247% | 2,801 |
| Noninterest income to average assets | 0.5098% | 2,909 |
| Noninterest expense to average assets | 1.9450% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8194% | 432 |
| Return on assets (ROA) | 1.8194% | 441 |
| Pretax return on assets | 1.9138% | 605 |
| Return on Equity (ROE) | 19.4690% | 255 |
| Retained earnings to average equity (ytd only) | 8.5722% | 1,244 |
| Net charge-offs to loans | -0.0246% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0296% | 5,469 |
| Assets per employee ($millions) | 5.6935% | 1,726 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,771 |
| Loan loss allowance to noncurrent loans | 497.4486% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 4,206 |
| Noncurrent loans to loans | 0.2972% | 4,051 |
| Net loans and leases to total assets | 78.9830% | 991 |
| Net loans and leases to deposits | 87.9940% | 1,796 |
| Net loans and leases to core deposits | 91.0601% | 2,257 |
| Total domestic deposits to total assets | 89.7595% | 770 |
| Equity capital to assets | 9.4196% | 4,373 |
| Core capital (leverage) ratio | 8.3181% | 5,368 |
| Tier 1 risk-based capital ratio | 10.1849% | 5,653 |
| Total risk-based capital ratio | 11.4380% | 5,604 |
| Memoranda: | ||
| Average total assets | $589,199,000 | 1,223 |
| Average earning assets | $544,369,000 | 1,226 |
| Average equity | $55,062,000 | 1,428 |
| Average total loans | $472,232,000 | 1,087 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,087 |
| Cost of funding earning assets | 0.6407% | 1,100 |
| Net interest margin | 3.6771% | 2,787 |
| Noninterest income to average assets | 0.4982% | 3,249 |
| Noninterest expense to average assets | 2.0324% | 5,129 |
| Loan and lease loss provision to assets | 0.2256% | 965 |
| Net operating income to assets | 1.5918% | 694 |
| Return on assets (ROA) | 1.6047% | 698 |
| Pretax return on assets | 1.6854% | 1,042 |
| Return on Equity (ROE) | 17.0094% | 401 |
| Retained earnings to average equity (ytd only) | 1.2897% | 4,769 |
| Net charge-offs to loans | 0.1984% | 1,397 |
| Credit loss provision to net charge-offs | 143.3297% | 1,914 |
| Earnings coverage of net charge-offs (x) | 12.0529% | 2,488 |
| Efficiency ratio | 49.2204% | 5,519 |
| Assets per employee ($millions) | 5.8627% | 1,570 |
| Cash dividends to net income (ytd only)* | 92.4175% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,719 |
| Loan loss allowance to noncurrent loans | 571.0784% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,343 |
| Noncurrent loans to loans | 0.2606% | 4,218 |
| Net loans and leases to total assets | 78.9354% | 1,053 |
| Net loans and leases to deposits | 87.8271% | 1,948 |
| Net loans and leases to core deposits | 90.9131% | 2,414 |
| Total domestic deposits to total assets | 89.8760% | 697 |
| Equity capital to assets | 9.2701% | 4,501 |
| Core capital (leverage) ratio | 8.1520% | 5,533 |
| Tier 1 risk-based capital ratio | 9.9841% | 5,741 |
| Total risk-based capital ratio | 11.2372% | 5,699 |
| Memoranda: | ||
| Average total assets | $576,129,800 | 1,212 |
| Average earning assets | $537,680,000 | 1,197 |
| Average equity | $54,352,400 | 1,415 |
| Average total loans | $457,212,800 | 1,067 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 2,107 |
| Cost of funding earning assets | 0.6494% | 1,060 |
| Net interest margin | 3.6698% | 2,827 |
| Noninterest income to average assets | 0.4984% | 3,260 |
| Noninterest expense to average assets | 2.0769% | 5,048 |
| Loan and lease loss provision to assets | 0.0697% | 2,820 |
| Net operating income to assets | 1.6990% | 592 |
| Return on assets (ROA) | 1.7092% | 616 |
| Pretax return on assets | 1.7989% | 903 |
| Return on Equity (ROE) | 18.0370% | 357 |
| Retained earnings to average equity (ytd only) | -1.3884% | 5,539 |
| Net charge-offs to loans | 0.1219% | 1,737 |
| Credit loss provision to net charge-offs | 72.2892% | 2,756 |
| Earnings coverage of net charge-offs (x) | 19.2602% | 1,945 |
| Efficiency ratio | 50.2776% | 5,483 |
| Assets per employee ($millions) | 5.4773% | 1,874 |
| Cash dividends to net income (ytd only)* | 107.6976% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 2,215 |
| Loan loss allowance to noncurrent loans | 491.8058% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 4,378 |
| Noncurrent loans to loans | 0.2842% | 4,245 |
| Net loans and leases to total assets | 79.5024% | 964 |
| Net loans and leases to deposits | 90.6320% | 1,677 |
| Net loans and leases to core deposits | 93.3569% | 2,247 |
| Total domestic deposits to total assets | 87.7200% | 1,544 |
| Equity capital to assets | 9.3532% | 4,814 |
| Core capital (leverage) ratio | 8.0185% | 5,679 |
| Tier 1 risk-based capital ratio | 9.8040% | 5,834 |
| Total risk-based capital ratio | 11.0561% | 5,816 |
| Memoranda: | ||
| Average total assets | $573,595,000 | 1,220 |
| Average earning assets | $537,122,000 | 1,198 |
| Average equity | $54,353,500 | 1,421 |
| Average total loans | $454,075,000 | 1,068 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 2,108 |
| Cost of funding earning assets | 0.6578% | 1,012 |
| Net interest margin | 3.6568% | 2,871 |
| Noninterest income to average assets | 0.5011% | 3,181 |
| Noninterest expense to average assets | 2.0377% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7993% | 474 |
| Return on assets (ROA) | 1.8235% | 484 |
| Pretax return on assets | 1.9149% | 672 |
| Return on Equity (ROE) | 19.1600% | 286 |
| Retained earnings to average equity (ytd only) | 2.9556% | 4,036 |
| Net charge-offs to loans | 0.0865% | 1,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 27.7641% | 1,450 |
| Efficiency ratio | 49.3913% | 5,601 |
| Assets per employee ($millions) | 5.5975% | 1,704 |
| Cash dividends to net income (ytd only)* | 84.5742% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 2,296 |
| Loan loss allowance to noncurrent loans | 466.6181% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 4,356 |
| Noncurrent loans to loans | 0.3000% | 4,297 |
| Net loans and leases to total assets | 78.9770% | 1,070 |
| Net loans and leases to deposits | 90.7620% | 1,661 |
| Net loans and leases to core deposits | 93.8441% | 2,183 |
| Total domestic deposits to total assets | 87.0155% | 1,908 |
| Equity capital to assets | 9.6755% | 4,580 |
| Core capital (leverage) ratio | 8.2092% | 5,595 |
| Tier 1 risk-based capital ratio | 10.1617% | 5,800 |
| Total risk-based capital ratio | 11.4134% | 5,743 |
| Memoranda: | ||
| Average total assets | $573,086,330 | 1,224 |
| Average earning assets | $536,912,000 | 1,205 |
| Average equity | $54,540,670 | 1,419 |
| Average total loans | $450,861,000 | 1,077 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,218 |
| Cost of funding earning assets | 0.6415% | 1,096 |
| Net interest margin | 3.6337% | 2,945 |
| Noninterest income to average assets | 0.4828% | 3,239 |
| Noninterest expense to average assets | 2.0225% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7954% | 471 |
| Return on assets (ROA) | 1.7967% | 504 |
| Pretax return on assets | 1.8594% | 758 |
| Return on Equity (ROE) | 19.0367% | 291 |
| Retained earnings to average equity (ytd only) | 1.9192% | 4,487 |
| Net charge-offs to loans | 0.0465% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 51.2885% | 876 |
| Efficiency ratio | 49.5871% | 5,650 |
| Assets per employee ($millions) | 5.6311% | 1,719 |
| Cash dividends to net income (ytd only)* | 89.9186% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 2,178 |
| Loan loss allowance to noncurrent loans | 402.5215% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 4,318 |
| Noncurrent loans to loans | 0.3614% | 4,134 |
| Net loans and leases to total assets | 77.1924% | 1,222 |
| Net loans and leases to deposits | 89.2426% | 1,669 |
| Net loans and leases to core deposits | 91.6206% | 2,223 |
| Total domestic deposits to total assets | 86.4973% | 2,443 |
| Equity capital to assets | 9.4870% | 4,678 |
| Core capital (leverage) ratio | 8.0877% | 5,729 |
| Tier 1 risk-based capital ratio | 10.0546% | 5,899 |
| Total risk-based capital ratio | 11.3070% | 5,839 |
| Memoranda: | ||
| Average total assets | $574,154,500 | 1,221 |
| Average earning assets | $536,861,000 | 1,206 |
| Average equity | $54,190,000 | 1,428 |
| Average total loans | $447,631,000 | 1,085 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 2,331 |
| Cost of funding earning assets | 0.6802% | 911 |
| Net interest margin | 3.5860% | 3,188 |
| Noninterest income to average assets | 0.4749% | 3,500 |
| Noninterest expense to average assets | 2.0159% | 5,425 |
| Loan and lease loss provision to assets | 0.3173% | 519 |
| Net operating income to assets | 1.4625% | 930 |
| Return on assets (ROA) | 1.4772% | 932 |
| Pretax return on assets | 1.5165% | 1,506 |
| Return on Equity (ROE) | 14.8505% | 709 |
| Retained earnings to average equity (ytd only) | -5.3961% | 5,931 |
| Net charge-offs to loans | 0.2756% | 1,099 |
| Credit loss provision to net charge-offs | 153.4527% | 1,741 |
| Earnings coverage of net charge-offs (x) | 8.7954% | 2,898 |
| Efficiency ratio | 49.9747% | 5,763 |
| Assets per employee ($millions) | 5.3639% | 1,942 |
| Cash dividends to net income (ytd only)* | 136.3365% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 2,099 |
| Loan loss allowance to noncurrent loans | 549.7500% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 4,738 |
| Noncurrent loans to loans | 0.2695% | 4,482 |
| Net loans and leases to total assets | 76.4454% | 1,340 |
| Net loans and leases to deposits | 88.9219% | 1,756 |
| Net loans and leases to core deposits | 91.3029% | 2,293 |
| Total domestic deposits to total assets | 85.9691% | 2,654 |
| Equity capital to assets | 9.3894% | 4,681 |
| Core capital (leverage) ratio | 8.1947% | 5,704 |
| Tier 1 risk-based capital ratio | 10.2739% | 5,873 |
| Total risk-based capital ratio | 11.5267% | 5,798 |
| Memoranda: | ||
| Average total assets | $567,301,800 | 1,207 |
| Average earning assets | $531,478,800 | 1,185 |
| Average equity | $56,429,200 | 1,322 |
| Average total loans | $425,693,000 | 1,074 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,419 |
| Cost of funding earning assets | 0.6870% | 902 |
| Net interest margin | 3.5598% | 3,304 |
| Noninterest income to average assets | 0.4783% | 3,514 |
| Noninterest expense to average assets | 2.0389% | 5,402 |
| Loan and lease loss provision to assets | 0.2121% | 911 |
| Net operating income to assets | 1.5253% | 886 |
| Return on assets (ROA) | 1.5416% | 900 |
| Pretax return on assets | 1.5821% | 1,436 |
| Return on Equity (ROE) | 15.2806% | 689 |
| Retained earnings to average equity (ytd only) | -5.5422% | 6,041 |
| Net charge-offs to loans | 0.2003% | 1,287 |
| Credit loss provision to net charge-offs | 142.4051% | 1,751 |
| Earnings coverage of net charge-offs (x) | 11.9319% | 2,447 |
| Efficiency ratio | 50.8060% | 5,736 |
| Assets per employee ($millions) | 4.9613% | 2,350 |
| Cash dividends to net income (ytd only)* | 136.2691% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 2,472 |
| Loan loss allowance to noncurrent loans | 560.9712% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,877 |
| Noncurrent loans to loans | 0.2542% | 4,664 |
| Net loans and leases to total assets | 76.2271% | 1,356 |
| Net loans and leases to deposits | 86.0252% | 2,136 |
| Net loans and leases to core deposits | 88.3653% | 2,627 |
| Total domestic deposits to total assets | 88.6102% | 1,230 |
| Equity capital to assets | 9.6702% | 4,548 |
| Core capital (leverage) ratio | 8.3819% | 5,642 |
| Tier 1 risk-based capital ratio | 10.6063% | 5,838 |
| Total risk-based capital ratio | 11.8584% | 5,764 |
| Memoranda: | ||
| Average total assets | $565,643,750 | 1,214 |
| Average earning assets | $530,433,000 | 1,192 |
| Average equity | $57,064,250 | 1,321 |
| Average total loans | $420,780,500 | 1,089 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,492 |
| Cost of funding earning assets | 0.6915% | 879 |
| Net interest margin | 3.5249% | 3,391 |
| Noninterest income to average assets | 0.4805% | 3,499 |
| Noninterest expense to average assets | 2.0206% | 5,488 |
| Loan and lease loss provision to assets | 0.2121% | 908 |
| Net operating income to assets | 1.5045% | 890 |
| Return on assets (ROA) | 1.5288% | 899 |
| Pretax return on assets | 1.5748% | 1,409 |
| Return on Equity (ROE) | 14.9478% | 740 |
| Retained earnings to average equity (ytd only) | 4.6842% | 3,061 |
| Net charge-offs to loans | 0.2346% | 1,106 |
| Credit loss provision to net charge-offs | 123.2033% | 1,764 |
| Earnings coverage of net charge-offs (x) | 10.2320% | 2,380 |
| Efficiency ratio | 50.7852% | 5,811 |
| Assets per employee ($millions) | 5.3322% | 1,898 |
| Cash dividends to net income (ytd only)* | 68.6633% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,614 |
| Loan loss allowance to noncurrent loans | 964.0254% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 5,274 |
| Noncurrent loans to loans | 0.1483% | 5,157 |
| Net loans and leases to total assets | 74.1981% | 1,628 |
| Net loans and leases to deposits | 85.1938% | 2,150 |
| Net loans and leases to core deposits | 87.4348% | 2,614 |
| Total domestic deposits to total assets | 87.0933% | 2,115 |
| Equity capital to assets | 10.3054% | 3,685 |
| Core capital (leverage) ratio | 8.8613% | 5,146 |
| Tier 1 risk-based capital ratio | 11.5522% | 5,430 |
| Total risk-based capital ratio | 12.8041% | 5,349 |
| Memoranda: | ||
| Average total assets | $565,663,330 | 1,220 |
| Average earning assets | $529,882,000 | 1,202 |
| Average equity | $57,854,670 | 1,312 |
| Average total loans | $415,251,670 | 1,107 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 2,618 |
| Cost of funding earning assets | 0.6838% | 926 |
| Net interest margin | 3.4715% | 3,547 |
| Noninterest income to average assets | 0.4807% | 3,416 |
| Noninterest expense to average assets | 1.9523% | 5,659 |
| Loan and lease loss provision to assets | 0.2121% | 842 |
| Net operating income to assets | 1.5128% | 825 |
| Return on assets (ROA) | 1.5155% | 868 |
| Pretax return on assets | 1.5777% | 1,323 |
| Return on Equity (ROE) | 14.8738% | 729 |
| Retained earnings to average equity (ytd only) | 4.6827% | 3,221 |
| Net charge-offs to loans | 0.1258% | 1,502 |
| Credit loss provision to net charge-offs | 232.5581% | 958 |
| Earnings coverage of net charge-offs (x) | 19.5969% | 1,442 |
| Efficiency ratio | 49.5463% | 5,942 |
| Assets per employee ($millions) | 5.3278% | 1,962 |
| Cash dividends to net income (ytd only)* | 68.5168% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 2,562 |
| Loan loss allowance to noncurrent loans | 678.6740% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 5,322 |
| Noncurrent loans to loans | 0.2171% | 5,000 |
| Net loans and leases to total assets | 72.0428% | 1,797 |
| Net loans and leases to deposits | 82.5948% | 2,264 |
| Net loans and leases to core deposits | 84.5654% | 2,708 |
| Total domestic deposits to total assets | 87.2244% | 2,256 |
| Equity capital to assets | 10.2256% | 3,855 |
| Core capital (leverage) ratio | 8.8572% | 5,129 |
| Tier 1 risk-based capital ratio | 11.5303% | 5,544 |
| Total risk-based capital ratio | 12.7739% | 5,460 |
| Memoranda: | ||
| Average total assets | $565,890,000 | 1,217 |
| Average earning assets | $531,183,500 | 1,203 |
| Average equity | $57,658,500 | 1,323 |
| Average total loans | $410,148,500 | 1,117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 2,987 |
| Cost of funding earning assets | 0.7485% | 851 |
| Net interest margin | 3.4389% | 4,025 |
| Noninterest income to average assets | 0.4878% | 3,601 |
| Noninterest expense to average assets | 2.1155% | 5,536 |
| Loan and lease loss provision to assets | 0.3246% | 605 |
| Net operating income to assets | 1.1561% | 1,742 |
| Return on assets (ROA) | 1.1633% | 1,781 |
| Pretax return on assets | 1.2385% | 2,492 |
| Return on Equity (ROE) | 11.1807% | 1,665 |
| Retained earnings to average equity (ytd only) | 0.9983% | 5,324 |
| Net charge-offs to loans | 0.3714% | 1,168 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 5.9896% | 3,300 |
| Efficiency ratio | 54.8536% | 5,775 |
| Assets per employee ($millions) | 5.1064% | 2,184 |
| Cash dividends to net income (ytd only)* | 91.0712% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 2,564 |
| Loan loss allowance to noncurrent loans | 883.1361% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 5,548 |
| Noncurrent loans to loans | 0.1676% | 5,229 |
| Net loans and leases to total assets | 70.7643% | 2,114 |
| Net loans and leases to deposits | 80.4017% | 2,672 |
| Net loans and leases to core deposits | 82.3878% | 3,062 |
| Total domestic deposits to total assets | 88.0135% | 1,762 |
| Equity capital to assets | 10.1519% | 3,920 |
| Core capital (leverage) ratio | 8.4510% | 5,608 |
| Tier 1 risk-based capital ratio | 11.1488% | 5,846 |
| Total risk-based capital ratio | 12.4011% | 5,781 |
| Memoranda: | ||
| Average total assets | $554,522,800 | 1,207 |
| Average earning assets | $513,269,000 | 1,193 |
| Average equity | $57,697,800 | 1,266 |
| Average total loans | $387,690,400 | 1,140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,098 |
| Cost of funding earning assets | 0.7562% | 870 |
| Net interest margin | 3.4111% | 4,192 |
| Noninterest income to average assets | 0.4834% | 3,660 |
| Noninterest expense to average assets | 2.0600% | 5,661 |
| Loan and lease loss provision to assets | 0.2171% | 1,056 |
| Net operating income to assets | 1.2836% | 1,418 |
| Return on assets (ROA) | 1.2848% | 1,470 |
| Pretax return on assets | 1.3586% | 2,161 |
| Return on Equity (ROE) | 12.2717% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.5022% | 2,744 |
| Net charge-offs to loans | 0.1206% | 2,607 |
| Credit loss provision to net charge-offs | 259.3660% | 1,020 |
| Earnings coverage of net charge-offs (x) | 18.8096% | 1,815 |
| Efficiency ratio | 53.8727% | 5,835 |
| Assets per employee ($millions) | 5.1353% | 2,095 |
| Cash dividends to net income (ytd only)* | 55.1634% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 2,499 |
| Loan loss allowance to noncurrent loans | 353.3830% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 5,009 |
| Noncurrent loans to loans | 0.4389% | 4,586 |
| Net loans and leases to total assets | 69.8842% | 2,213 |
| Net loans and leases to deposits | 81.4312% | 2,500 |
| Net loans and leases to core deposits | 83.6756% | 2,921 |
| Total domestic deposits to total assets | 85.8199% | 2,945 |
| Equity capital to assets | 10.5597% | 3,486 |
| Core capital (leverage) ratio | 8.9346% | 5,148 |
| Tier 1 risk-based capital ratio | 11.5372% | 5,771 |
| Total risk-based capital ratio | 12.7900% | 5,698 |
| Memoranda: | ||
| Average total assets | $552,726,500 | 1,215 |
| Average earning assets | $510,587,750 | 1,209 |
| Average equity | $57,866,250 | 1,266 |
| Average total loans | $383,748,250 | 1,159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 3,223 |
| Cost of funding earning assets | 0.7664% | 848 |
| Net interest margin | 3.3650% | 4,335 |
| Noninterest income to average assets | 0.4709% | 3,702 |
| Noninterest expense to average assets | 2.0186% | 5,807 |
| Loan and lease loss provision to assets | 0.2180% | 1,070 |
| Net operating income to assets | 1.2585% | 1,421 |
| Return on assets (ROA) | 1.2551% | 1,496 |
| Pretax return on assets | 1.3292% | 2,150 |
| Return on Equity (ROE) | 12.0239% | 1,415 |
| Retained earnings to average equity (ytd only) | 4.7378% | 3,121 |
| Net charge-offs to loans | 0.2009% | 1,824 |
| Credit loss provision to net charge-offs | 157.4803% | 1,414 |
| Earnings coverage of net charge-offs (x) | 11.2021% | 2,183 |
| Efficiency ratio | 53.6801% | 5,933 |
| Assets per employee ($millions) | 5.0140% | 2,200 |
| Cash dividends to net income (ytd only)* | 60.5964% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 2,813 |
| Loan loss allowance to noncurrent loans | 392.7898% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 5,269 |
| Noncurrent loans to loans | 0.3866% | 4,833 |
| Net loans and leases to total assets | 68.5428% | 2,319 |
| Net loans and leases to deposits | 78.2063% | 2,772 |
| Net loans and leases to core deposits | 80.5730% | 3,151 |
| Total domestic deposits to total assets | 87.6436% | 2,117 |
| Equity capital to assets | 10.5431% | 3,389 |
| Core capital (leverage) ratio | 8.7006% | 5,390 |
| Tier 1 risk-based capital ratio | 11.5901% | 5,751 |
| Total risk-based capital ratio | 12.8423% | 5,705 |
| Memoranda: | ||
| Average total assets | $550,385,670 | 1,214 |
| Average earning assets | $506,799,330 | 1,213 |
| Average equity | $57,452,330 | 1,269 |
| Average total loans | $379,218,000 | 1,163 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,392 |
| Cost of funding earning assets | 0.7618% | 916 |
| Net interest margin | 3.3092% | 4,495 |
| Noninterest income to average assets | 0.4729% | 3,612 |
| Noninterest expense to average assets | 2.1105% | 5,662 |
| Loan and lease loss provision to assets | 0.1455% | 1,677 |
| Net operating income to assets | 1.1953% | 1,497 |
| Return on assets (ROA) | 1.1953% | 1,568 |
| Pretax return on assets | 1.2695% | 2,214 |
| Return on Equity (ROE) | 11.5088% | 1,543 |
| Retained earnings to average equity (ytd only) | 8.6649% | 1,355 |
| Net charge-offs to loans | 0.0350% | 2,899 |
| Credit loss provision to net charge-offs | 606.0606% | 461 |
| Earnings coverage of net charge-offs (x) | 58.9394% | 664 |
| Efficiency ratio | 56.9542% | 5,760 |
| Assets per employee ($millions) | 5.0164% | 2,236 |
| Cash dividends to net income (ytd only)* | 24.7109% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 2,999 |
| Loan loss allowance to noncurrent loans | 349.9091% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 5,271 |
| Noncurrent loans to loans | 0.4385% | 4,833 |
| Net loans and leases to total assets | 66.5850% | 2,470 |
| Net loans and leases to deposits | 75.7101% | 2,841 |
| Net loans and leases to core deposits | 77.8602% | 3,218 |
| Total domestic deposits to total assets | 87.9472% | 2,259 |
| Equity capital to assets | 10.4178% | 3,335 |
| Core capital (leverage) ratio | 8.8457% | 5,202 |
| Tier 1 risk-based capital ratio | 11.7442% | 5,789 |
| Total risk-based capital ratio | 12.9966% | 5,724 |
| Memoranda: | ||
| Average total assets | $549,810,000 | 1,227 |
| Average earning assets | $507,189,500 | 1,216 |
| Average equity | $57,104,000 | 1,274 |
| Average total loans | $376,893,000 | 1,173 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 3,123 |
| Cost of funding earning assets | 0.8857% | 798 |
| Net interest margin | 3.3714% | 4,398 |
| Noninterest income to average assets | 0.5036% | 3,729 |
| Noninterest expense to average assets | 1.8050% | 6,310 |
| Loan and lease loss provision to assets | 0.1289% | 2,701 |
| Net operating income to assets | 1.6176% | 664 |
| Return on assets (ROA) | 1.6135% | 691 |
| Pretax return on assets | 1.7044% | 941 |
| Return on Equity (ROE) | 16.1963% | 599 |
| Retained earnings to average equity (ytd only) | 10.6840% | 470 |
| Net charge-offs to loans | 0.0615% | 4,348 |
| Credit loss provision to net charge-offs | 294.1176% | 773 |
| Earnings coverage of net charge-offs (x) | 41.9265% | 911 |
| Efficiency ratio | 48.5136% | 6,474 |
| Assets per employee ($millions) | 4.9346% | 2,258 |
| Cash dividends to net income (ytd only)* | 34.0346% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,258 |
| Loan loss allowance to noncurrent loans | 568.3891% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,711 |
| Noncurrent loans to loans | 0.2616% | 5,398 |
| Net loans and leases to total assets | 68.4673% | 2,267 |
| Net loans and leases to deposits | 77.8841% | 2,737 |
| Net loans and leases to core deposits | 80.2338% | 3,104 |
| Total domestic deposits to total assets | 87.9092% | 2,228 |
| Equity capital to assets | 10.3537% | 3,337 |
| Core capital (leverage) ratio | 9.5639% | 4,166 |
| Tier 1 risk-based capital ratio | 11.5801% | 5,864 |
| Total risk-based capital ratio | 12.8323% | 5,803 |
| Memoranda: | ||
| Average total assets | $465,437,000 | 1,421 |
| Average earning assets | $433,350,400 | 1,403 |
| Average equity | $46,368,600 | 1,508 |
| Average total loans | $331,828,200 | 1,282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,775 |
| Cost of funding earning assets | 0.9331% | 692 |
| Net interest margin | 3.4192% | 4,212 |
| Noninterest income to average assets | 0.5239% | 3,641 |
| Noninterest expense to average assets | 1.8163% | 6,319 |
| Loan and lease loss provision to assets | 0.1345% | 2,600 |
| Net operating income to assets | 1.6722% | 651 |
| Return on assets (ROA) | 1.6666% | 694 |
| Pretax return on assets | 1.7562% | 980 |
| Return on Equity (ROE) | 16.9309% | 545 |
| Retained earnings to average equity (ytd only) | 11.6354% | 479 |
| Net charge-offs to loans | 0.0470% | 4,236 |
| Credit loss provision to net charge-offs | 398.2301% | 673 |
| Earnings coverage of net charge-offs (x) | 56.1604% | 796 |
| Efficiency ratio | 48.0641% | 6,505 |
| Assets per employee ($millions) | 5.5200% | 1,604 |
| Cash dividends to net income (ytd only)* | 31.2770% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 2,695 |
| Loan loss allowance to noncurrent loans | 793.0000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 5,960 |
| Noncurrent loans to loans | 0.2119% | 5,709 |
| Net loans and leases to total assets | 70.8803% | 1,803 |
| Net loans and leases to deposits | 80.4584% | 2,346 |
| Net loans and leases to core deposits | 82.8912% | 2,774 |
| Total domestic deposits to total assets | 88.0955% | 2,065 |
| Equity capital to assets | 9.7777% | 4,212 |
| Core capital (leverage) ratio | 8.7154% | 5,510 |
| Tier 1 risk-based capital ratio | 11.3151% | 6,144 |
| Total risk-based capital ratio | 12.5696% | 6,107 |
| Memoranda: | ||
| Average total assets | $446,095,750 | 1,495 |
| Average earning assets | $416,072,250 | 1,474 |
| Average equity | $43,910,750 | 1,605 |
| Average total loans | $320,472,250 | 1,331 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 2,740 |
| Cost of funding earning assets | 0.9756% | 615 |
| Net interest margin | 3.3799% | 4,269 |
| Noninterest income to average assets | 0.5234% | 3,681 |
| Noninterest expense to average assets | 1.7793% | 6,406 |
| Loan and lease loss provision to assets | 0.1357% | 2,630 |
| Net operating income to assets | 1.6664% | 664 |
| Return on assets (ROA) | 1.6599% | 741 |
| Pretax return on assets | 1.7504% | 1,016 |
| Return on Equity (ROE) | 16.8245% | 573 |
| Retained earnings to average equity (ytd only) | 11.9821% | 493 |
| Net charge-offs to loans | 0.0637% | 3,790 |
| Credit loss provision to net charge-offs | 297.0297% | 874 |
| Earnings coverage of net charge-offs (x) | 41.4257% | 911 |
| Efficiency ratio | 47.5792% | 6,561 |
| Assets per employee ($millions) | 5.3316% | 1,762 |
| Cash dividends to net income (ytd only)* | 28.7817% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 2,808 |
| Loan loss allowance to noncurrent loans | 559.1942% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 5,817 |
| Noncurrent loans to loans | 0.3024% | 5,551 |
| Net loans and leases to total assets | 71.1171% | 1,705 |
| Net loans and leases to deposits | 80.9243% | 2,191 |
| Net loans and leases to core deposits | 83.4612% | 2,632 |
| Total domestic deposits to total assets | 87.8810% | 2,332 |
| Equity capital to assets | 9.9408% | 3,984 |
| Core capital (leverage) ratio | 8.4479% | 5,725 |
| Tier 1 risk-based capital ratio | 11.3620% | 6,172 |
| Total risk-based capital ratio | 12.6169% | 6,134 |
| Memoranda: | ||
| Average total assets | $442,073,000 | 1,503 |
| Average earning assets | $411,852,330 | 1,481 |
| Average equity | $43,615,000 | 1,615 |
| Average total loans | $317,196,670 | 1,336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,785 |
| Cost of funding earning assets | 1.0018% | 606 |
| Net interest margin | 3.3231% | 4,426 |
| Noninterest income to average assets | 0.5450% | 3,476 |
| Noninterest expense to average assets | 1.7608% | 6,483 |
| Loan and lease loss provision to assets | 0.1358% | 2,550 |
| Net operating income to assets | 1.6442% | 653 |
| Return on assets (ROA) | 1.6313% | 727 |
| Pretax return on assets | 1.7219% | 1,027 |
| Return on Equity (ROE) | 16.5978% | 544 |
| Retained earnings to average equity (ytd only) | 15.8517% | 293 |
| Net charge-offs to loans | 0.0557% | 3,267 |
| Credit loss provision to net charge-offs | 340.9091% | 719 |
| Earnings coverage of net charge-offs (x) | 46.9773% | 702 |
| Efficiency ratio | 47.6072% | 6,627 |
| Assets per employee ($millions) | 5.7935% | 1,412 |
| Cash dividends to net income (ytd only)* | 4.4950% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,055 |
| Loan loss allowance to noncurrent loans | 529.3532% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 5,898 |
| Noncurrent loans to loans | 0.3191% | 5,601 |
| Net loans and leases to total assets | 68.5162% | 1,919 |
| Net loans and leases to deposits | 78.3023% | 2,298 |
| Net loans and leases to core deposits | 80.6568% | 2,727 |
| Total domestic deposits to total assets | 87.5022% | 2,630 |
| Equity capital to assets | 9.8277% | 4,386 |
| Core capital (leverage) ratio | 8.5199% | 5,560 |
| Tier 1 risk-based capital ratio | 11.2618% | 6,284 |
| Total risk-based capital ratio | 12.5166% | 6,260 |
| Memoranda: | ||
| Average total assets | $441,849,000 | 1,519 |
| Average earning assets | $410,457,500 | 1,498 |
| Average equity | $43,427,500 | 1,644 |
| Average total loans | $315,734,500 | 1,346 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 2,023 |
| Cost of funding earning assets | 1.1554% | 716 |
| Net interest margin | 3.6925% | 3,679 |
| Noninterest income to average assets | 0.6295% | 3,115 |
| Noninterest expense to average assets | 1.9982% | 6,330 |
| Loan and lease loss provision to assets | 0.1976% | 3,160 |
| Net operating income to assets | 1.6907% | 629 |
| Return on assets (ROA) | 1.6937% | 704 |
| Pretax return on assets | 1.7905% | 937 |
| Return on Equity (ROE) | 17.0394% | 533 |
| Retained earnings to average equity (ytd only) | 10.4080% | 524 |
| Net charge-offs to loans | 0.0324% | 5,464 |
| Credit loss provision to net charge-offs | 816.3265% | 306 |
| Earnings coverage of net charge-offs (x) | 82.0102% | 468 |
| Efficiency ratio | 49.2932% | 6,635 |
| Assets per employee ($millions) | 6.1686% | 1,181 |
| Cash dividends to net income (ytd only)* | 38.9181% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 3,121 |
| Loan loss allowance to noncurrent loans | 827.6190% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,202 |
| Noncurrent loans to loans | 0.1990% | 5,971 |
| Net loans and leases to total assets | 72.0962% | 1,473 |
| Net loans and leases to deposits | 82.7260% | 1,904 |
| Net loans and leases to core deposits | 85.1881% | 2,406 |
| Total domestic deposits to total assets | 87.1506% | 2,741 |
| Equity capital to assets | 9.8295% | 4,412 |
| Core capital (leverage) ratio | 8.1992% | 6,000 |
| Tier 1 risk-based capital ratio | 10.7447% | 6,455 |
| Total risk-based capital ratio | 11.9990% | 6,419 |
| Memoranda: | ||
| Average total assets | $404,904,600 | 1,623 |
| Average earning assets | $367,748,000 | 1,626 |
| Average equity | $40,248,000 | 1,729 |
| Average total loans | $302,564,600 | 1,381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 1,945 |
| Cost of funding earning assets | 1.1783% | 765 |
| Net interest margin | 3.7390% | 3,614 |
| Noninterest income to average assets | 0.6422% | 3,032 |
| Noninterest expense to average assets | 1.9545% | 6,439 |
| Loan and lease loss provision to assets | 0.1674% | 3,442 |
| Net operating income to assets | 1.8034% | 563 |
| Return on assets (ROA) | 1.8075% | 629 |
| Pretax return on assets | 1.8949% | 880 |
| Return on Equity (ROE) | 18.1293% | 486 |
| Retained earnings to average equity (ytd only) | 13.0915% | 386 |
| Net charge-offs to loans | 0.0174% | 5,433 |
| Credit loss provision to net charge-offs | 1,282.0513% | 215 |
| Earnings coverage of net charge-offs (x) | 157.5858% | 278 |
| Efficiency ratio | 47.8261% | 6,731 |
| Assets per employee ($millions) | 5.9932% | 1,256 |
| Cash dividends to net income (ytd only)* | 27.7881% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,516 |
| Loan loss allowance to noncurrent loans | 528.4803% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 6,096 |
| Noncurrent loans to loans | 0.3028% | 5,884 |
| Net loans and leases to total assets | 72.8791% | 1,412 |
| Net loans and leases to deposits | 84.1324% | 1,856 |
| Net loans and leases to core deposits | 86.8250% | 2,363 |
| Total domestic deposits to total assets | 86.6243% | 2,902 |
| Equity capital to assets | 10.0293% | 4,452 |
| Core capital (leverage) ratio | 8.5130% | 5,730 |
| Tier 1 risk-based capital ratio | 10.9192% | 6,512 |
| Total risk-based capital ratio | 12.1734% | 6,488 |
| Memoranda: | ||
| Average total assets | $398,180,250 | 1,663 |
| Average earning assets | $358,911,500 | 1,685 |
| Average equity | $39,699,000 | 1,767 |
| Average total loans | $299,074,000 | 1,415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 1,876 |
| Cost of funding earning assets | 1.2008% | 818 |
| Net interest margin | 3.7674% | 3,505 |
| Noninterest income to average assets | 0.6464% | 2,973 |
| Noninterest expense to average assets | 1.9531% | 6,515 |
| Loan and lease loss provision to assets | 0.2557% | 2,534 |
| Net operating income to assets | 1.7148% | 652 |
| Return on assets (ROA) | 1.7148% | 732 |
| Pretax return on assets | 1.7992% | 1,042 |
| Return on Equity (ROE) | 17.2360% | 608 |
| Retained earnings to average equity (ytd only) | 11.8076% | 615 |
| Net charge-offs to loans | -0.0305% | 6,528 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8244% | 6,789 |
| Assets per employee ($millions) | 5.8288% | 1,346 |
| Cash dividends to net income (ytd only)* | 31.4942% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,296 |
| Loan loss allowance to noncurrent loans | 700.4155% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 6,348 |
| Noncurrent loans to loans | 0.2405% | 6,093 |
| Net loans and leases to total assets | 72.3382% | 1,506 |
| Net loans and leases to deposits | 83.3230% | 1,942 |
| Net loans and leases to core deposits | 85.8591% | 2,445 |
| Total domestic deposits to total assets | 86.8166% | 2,883 |
| Equity capital to assets | 9.8318% | 4,576 |
| Core capital (leverage) ratio | 8.3587% | 5,841 |
| Tier 1 risk-based capital ratio | 10.7227% | 6,605 |
| Total risk-based capital ratio | 11.9779% | 6,593 |
| Memoranda: | ||
| Average total assets | $391,066,670 | 1,691 |
| Average earning assets | $348,941,000 | 1,729 |
| Average equity | $38,907,000 | 1,788 |
| Average total loans | $295,193,330 | 1,441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 1,528 |
| Cost of funding earning assets | 1.2171% | 911 |
| Net interest margin | 3.9007% | 2,916 |
| Noninterest income to average assets | 0.6838% | 2,739 |
| Noninterest expense to average assets | 2.0136% | 6,439 |
| Loan and lease loss provision to assets | 0.1568% | 3,419 |
| Net operating income to assets | 1.8861% | 504 |
| Return on assets (ROA) | 1.8861% | 579 |
| Pretax return on assets | 1.9645% | 788 |
| Return on Equity (ROE) | 18.8393% | 473 |
| Retained earnings to average equity (ytd only) | 16.6253% | 326 |
| Net charge-offs to loans | -0.0998% | 6,783 |
| Credit loss provision to net charge-offs | -205.4795% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8129% | 6,818 |
| Assets per employee ($millions) | 5.1824% | 2,011 |
| Cash dividends to net income (ytd only)* | 11.7517% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 3,566 |
| Loan loss allowance to noncurrent loans | 937.6238% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 6,506 |
| Noncurrent loans to loans | 0.1752% | 6,331 |
| Net loans and leases to total assets | 72.9584% | 1,231 |
| Net loans and leases to deposits | 84.4830% | 1,600 |
| Net loans and leases to core deposits | 86.7196% | 2,208 |
| Total domestic deposits to total assets | 86.3587% | 3,329 |
| Equity capital to assets | 10.1207% | 3,961 |
| Core capital (leverage) ratio | 8.5849% | 5,460 |
| Tier 1 risk-based capital ratio | 11.2966% | 6,391 |
| Total risk-based capital ratio | 12.5517% | 6,369 |
| Memoranda: | ||
| Average total assets | $382,593,000 | 1,732 |
| Average earning assets | $338,500,500 | 1,787 |
| Average equity | $38,303,000 | 1,815 |
| Average total loans | $292,686,500 | 1,452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 1,882 |
| Cost of funding earning assets | 1.3474% | 1,252 |
| Net interest margin | 3.9006% | 3,338 |
| Noninterest income to average assets | 0.6329% | 2,990 |
| Noninterest expense to average assets | 2.2455% | 6,172 |
| Loan and lease loss provision to assets | 0.2960% | 3,298 |
| Net operating income to assets | 1.5376% | 768 |
| Return on assets (ROA) | 1.5376% | 831 |
| Pretax return on assets | 1.6250% | 1,150 |
| Return on Equity (ROE) | 15.4135% | 689 |
| Retained earnings to average equity (ytd only) | 8.8285% | 851 |
| Net charge-offs to loans | 0.1271% | 5,125 |
| Credit loss provision to net charge-offs | 294.9853% | 803 |
| Earnings coverage of net charge-offs (x) | 19.1416% | 1,177 |
| Efficiency ratio | 53.3111% | 6,576 |
| Assets per employee ($millions) | 5.0201% | 2,177 |
| Cash dividends to net income (ytd only)* | 42.7224% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,939 |
| Loan loss allowance to noncurrent loans | 773.9280% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 6,512 |
| Noncurrent loans to loans | 0.1963% | 6,356 |
| Net loans and leases to total assets | 77.7016% | 744 |
| Net loans and leases to deposits | 89.8366% | 1,176 |
| Net loans and leases to core deposits | 92.0632% | 1,878 |
| Total domestic deposits to total assets | 86.4922% | 3,034 |
| Equity capital to assets | 9.8986% | 4,308 |
| Core capital (leverage) ratio | 8.7018% | 5,246 |
| Tier 1 risk-based capital ratio | 10.6442% | 6,628 |
| Total risk-based capital ratio | 11.8983% | 6,600 |
| Memoranda: | ||
| Average total assets | $337,792,200 | 1,912 |
| Average earning assets | $306,001,800 | 1,922 |
| Average equity | $33,697,800 | 1,979 |
| Average total loans | $266,758,800 | 1,579 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3172% | 1,795 |
| Cost of funding earning assets | 1.3825% | 1,308 |
| Net interest margin | 3.9347% | 3,209 |
| Noninterest income to average assets | 0.6554% | 2,849 |
| Noninterest expense to average assets | 2.1772% | 6,327 |
| Loan and lease loss provision to assets | 0.2032% | 3,986 |
| Net operating income to assets | 1.7518% | 563 |
| Return on assets (ROA) | 1.7518% | 618 |
| Pretax return on assets | 1.8359% | 893 |
| Return on Equity (ROE) | 17.5213% | 509 |
| Retained earnings to average equity (ytd only) | 12.9489% | 386 |
| Net charge-offs to loans | 0.0633% | 5,336 |
| Credit loss provision to net charge-offs | 406.5041% | 705 |
| Earnings coverage of net charge-offs (x) | 40.7957% | 762 |
| Efficiency ratio | 51.1276% | 6,758 |
| Assets per employee ($millions) | 4.8777% | 2,358 |
| Cash dividends to net income (ytd only)* | 26.0960% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,787 |
| Loan loss allowance to noncurrent loans | 490.4872% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 6,313 |
| Noncurrent loans to loans | 0.3208% | 6,209 |
| Net loans and leases to total assets | 79.7489% | 538 |
| Net loans and leases to deposits | 93.8768% | 847 |
| Net loans and leases to core deposits | 96.1013% | 1,599 |
| Total domestic deposits to total assets | 84.9506% | 3,785 |
| Equity capital to assets | 10.4860% | 3,725 |
| Core capital (leverage) ratio | 8.9939% | 4,941 |
| Tier 1 risk-based capital ratio | 11.4734% | 6,255 |
| Total risk-based capital ratio | 12.7285% | 6,246 |
| Memoranda: | ||
| Average total assets | $328,113,500 | 1,974 |
| Average earning assets | $296,942,000 | 1,978 |
| Average equity | $32,805,000 | 2,025 |
| Average total loans | $259,182,500 | 1,639 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 1,756 |
| Cost of funding earning assets | 1.4053% | 1,398 |
| Net interest margin | 3.9318% | 3,161 |
| Noninterest income to average assets | 0.6430% | 2,892 |
| Noninterest expense to average assets | 2.1626% | 6,476 |
| Loan and lease loss provision to assets | 0.3059% | 2,965 |
| Net operating income to assets | 1.6102% | 718 |
| Return on assets (ROA) | 1.6102% | 763 |
| Pretax return on assets | 1.6989% | 1,061 |
| Return on Equity (ROE) | 16.3749% | 623 |
| Retained earnings to average equity (ytd only) | 11.7088% | 564 |
| Net charge-offs to loans | 0.0164% | 5,613 |
| Credit loss provision to net charge-offs | 2,380.9524% | 139 |
| Earnings coverage of net charge-offs (x) | 156.0476% | 232 |
| Efficiency ratio | 51.3799% | 6,839 |
| Assets per employee ($millions) | 4.8558% | 2,330 |
| Cash dividends to net income (ytd only)* | 28.4954% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 3,505 |
| Loan loss allowance to noncurrent loans | 359.3361% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 6,181 |
| Noncurrent loans to loans | 0.4587% | 5,994 |
| Net loans and leases to total assets | 78.2463% | 743 |
| Net loans and leases to deposits | 90.3459% | 1,234 |
| Net loans and leases to core deposits | 92.9393% | 2,026 |
| Total domestic deposits to total assets | 86.6075% | 2,982 |
| Equity capital to assets | 10.0763% | 4,051 |
| Core capital (leverage) ratio | 8.6051% | 5,393 |
| Tier 1 risk-based capital ratio | 11.2008% | 6,381 |
| Total risk-based capital ratio | 12.4567% | 6,368 |
| Memoranda: | ||
| Average total assets | $326,924,330 | 1,989 |
| Average earning assets | $293,043,000 | 2,015 |
| Average equity | $32,146,670 | 2,055 |
| Average total loans | $255,996,670 | 1,674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 1,706 |
| Cost of funding earning assets | 1.4384% | 1,440 |
| Net interest margin | 3.9191% | 3,052 |
| Noninterest income to average assets | 0.6628% | 2,770 |
| Noninterest expense to average assets | 2.1728% | 6,481 |
| Loan and lease loss provision to assets | 0.3689% | 2,348 |
| Net operating income to assets | 1.5014% | 872 |
| Return on assets (ROA) | 1.5014% | 916 |
| Pretax return on assets | 1.6023% | 1,187 |
| Return on Equity (ROE) | 15.4633% | 748 |
| Retained earnings to average equity (ytd only) | 15.4633% | 351 |
| Net charge-offs to loans | -0.0222% | 6,602 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8991% | 6,861 |
| Assets per employee ($millions) | 4.8027% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 3,544 |
| Loan loss allowance to noncurrent loans | 297.0756% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 6,107 |
| Noncurrent loans to loans | 0.5541% | 5,913 |
| Net loans and leases to total assets | 76.1983% | 1,006 |
| Net loans and leases to deposits | 88.6003% | 1,396 |
| Net loans and leases to core deposits | 91.2367% | 2,204 |
| Total domestic deposits to total assets | 86.0023% | 3,528 |
| Equity capital to assets | 9.8870% | 3,912 |
| Core capital (leverage) ratio | 8.6286% | 5,211 |
| Tier 1 risk-based capital ratio | 11.4400% | 6,150 |
| Total risk-based capital ratio | 12.6960% | 6,128 |
| Memoranda: | ||
| Average total assets | $325,290,500 | 2,008 |
| Average earning assets | $288,941,500 | 2,064 |
| Average equity | $31,584,500 | 2,074 |
| Average total loans | $252,648,500 | 1,715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 1,960 |
| Cost of funding earning assets | 1.6533% | 1,812 |
| Net interest margin | 3.9314% | 3,336 |
| Noninterest income to average assets | 0.6903% | 2,899 |
| Noninterest expense to average assets | 2.2924% | 6,378 |
| Loan and lease loss provision to assets | 0.4983% | 3,163 |
| Net operating income to assets | 1.3497% | 1,051 |
| Return on assets (ROA) | 1.3503% | 1,128 |
| Pretax return on assets | 1.4177% | 1,610 |
| Return on Equity (ROE) | 13.5149% | 980 |
| Retained earnings to average equity (ytd only) | 7.3841% | 1,181 |
| Net charge-offs to loans | 0.4019% | 4,029 |
| Credit loss provision to net charge-offs | 157.0681% | 2,245 |
| Earnings coverage of net charge-offs (x) | 6.0377% | 2,459 |
| Efficiency ratio | 53.9275% | 6,813 |
| Assets per employee ($millions) | 4.7647% | 2,462 |
| Cash dividends to net income (ytd only)* | 45.3629% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 3,875 |
| Loan loss allowance to noncurrent loans | 348.1917% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 6,310 |
| Noncurrent loans to loans | 0.4384% | 6,162 |
| Net loans and leases to total assets | 76.6765% | 1,145 |
| Net loans and leases to deposits | 89.7161% | 1,564 |
| Net loans and leases to core deposits | 93.4693% | 2,326 |
| Total domestic deposits to total assets | 85.4657% | 3,622 |
| Equity capital to assets | 9.5309% | 4,367 |
| Core capital (leverage) ratio | 8.3740% | 5,587 |
| Tier 1 risk-based capital ratio | 11.0237% | 6,307 |
| Total risk-based capital ratio | 12.2813% | 6,273 |
| Memoranda: | ||
| Average total assets | $301,041,600 | 2,146 |
| Average earning assets | $269,342,600 | 2,184 |
| Average equity | $30,078,000 | 2,168 |
| Average total loans | $237,639,200 | 1,842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 1,947 |
| Cost of funding earning assets | 1.6685% | 2,013 |
| Net interest margin | 3.9613% | 3,286 |
| Noninterest income to average assets | 0.6976% | 2,827 |
| Noninterest expense to average assets | 2.2941% | 6,347 |
| Loan and lease loss provision to assets | 0.5418% | 2,778 |
| Net operating income to assets | 1.3428% | 1,248 |
| Return on assets (ROA) | 1.3437% | 1,320 |
| Pretax return on assets | 1.4119% | 1,848 |
| Return on Equity (ROE) | 13.2806% | 1,190 |
| Retained earnings to average equity (ytd only) | 8.5369% | 1,227 |
| Net charge-offs to loans | 0.3288% | 4,020 |
| Credit loss provision to net charge-offs | 207.9723% | 1,702 |
| Earnings coverage of net charge-offs (x) | 7.4957% | 2,322 |
| Efficiency ratio | 53.4552% | 6,838 |
| Assets per employee ($millions) | 4.4125% | 3,057 |
| Cash dividends to net income (ytd only)* | 35.7191% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,439 |
| Loan loss allowance to noncurrent loans | 370.3110% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 6,334 |
| Noncurrent loans to loans | 0.4379% | 6,323 |
| Net loans and leases to total assets | 78.2953% | 988 |
| Net loans and leases to deposits | 92.6205% | 1,371 |
| Net loans and leases to core deposits | 95.8127% | 2,287 |
| Total domestic deposits to total assets | 84.5335% | 3,855 |
| Equity capital to assets | 10.1575% | 3,942 |
| Core capital (leverage) ratio | 8.6828% | 5,215 |
| Tier 1 risk-based capital ratio | 11.6511% | 5,785 |
| Total risk-based capital ratio | 12.9076% | 5,760 |
| Memoranda: | ||
| Average total assets | $295,302,250 | 2,215 |
| Average earning assets | $264,588,250 | 2,255 |
| Average equity | $29,877,500 | 2,206 |
| Average total loans | $233,978,500 | 1,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6471% | 1,956 |
| Cost of funding earning assets | 1.6817% | 2,213 |
| Net interest margin | 3.9654% | 3,183 |
| Noninterest income to average assets | 0.7035% | 2,681 |
| Noninterest expense to average assets | 2.2857% | 6,393 |
| Loan and lease loss provision to assets | 0.6159% | 2,322 |
| Net operating income to assets | 1.2825% | 1,349 |
| Return on assets (ROA) | 1.2838% | 1,407 |
| Pretax return on assets | 1.3516% | 1,947 |
| Return on Equity (ROE) | 12.7066% | 1,309 |
| Retained earnings to average equity (ytd only) | 8.0534% | 1,420 |
| Net charge-offs to loans | 0.3460% | 3,615 |
| Credit loss provision to net charge-offs | 225.0000% | 1,721 |
| Earnings coverage of net charge-offs (x) | 7.1825% | 2,350 |
| Efficiency ratio | 53.1949% | 6,964 |
| Assets per employee ($millions) | 4.0562% | 3,663 |
| Cash dividends to net income (ytd only)* | 36.6205% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 3,365 |
| Loan loss allowance to noncurrent loans | 144.8801% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 5,344 |
| Noncurrent loans to loans | 1.1190% | 5,086 |
| Net loans and leases to total assets | 76.9443% | 1,301 |
| Net loans and leases to deposits | 90.9150% | 1,706 |
| Net loans and leases to core deposits | 95.1568% | 2,566 |
| Total domestic deposits to total assets | 84.6332% | 3,802 |
| Equity capital to assets | 9.9733% | 4,057 |
| Core capital (leverage) ratio | 8.5932% | 5,247 |
| Tier 1 risk-based capital ratio | 11.5292% | 5,743 |
| Total risk-based capital ratio | 12.7854% | 5,708 |
| Memoranda: | ||
| Average total assets | $292,248,330 | 2,253 |
| Average earning assets | $261,515,000 | 2,292 |
| Average equity | $29,528,000 | 2,224 |
| Average total loans | $231,201,330 | 1,935 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 1,881 |
| Cost of funding earning assets | 1.6796% | 2,482 |
| Net interest margin | 3.9920% | 2,900 |
| Noninterest income to average assets | 0.7590% | 2,244 |
| Noninterest expense to average assets | 2.3199% | 6,324 |
| Loan and lease loss provision to assets | 0.6244% | 2,032 |
| Net operating income to assets | 1.3361% | 1,210 |
| Return on assets (ROA) | 1.3361% | 1,282 |
| Pretax return on assets | 1.4027% | 1,771 |
| Return on Equity (ROE) | 13.1360% | 1,225 |
| Retained earnings to average equity (ytd only) | 13.1360% | 604 |
| Net charge-offs to loans | 0.4638% | 2,653 |
| Credit loss provision to net charge-offs | 169.1729% | 2,154 |
| Earnings coverage of net charge-offs (x) | 5.4925% | 2,391 |
| Efficiency ratio | 52.7929% | 7,075 |
| Assets per employee ($millions) | 4.3675% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,784 |
| Loan loss allowance to noncurrent loans | 217.8527% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 6,069 |
| Noncurrent loans to loans | 0.7000% | 5,932 |
| Net loans and leases to total assets | 78.1796% | 1,117 |
| Net loans and leases to deposits | 93.2777% | 1,439 |
| Net loans and leases to core deposits | 97.4205% | 2,401 |
| Total domestic deposits to total assets | 83.8138% | 4,240 |
| Equity capital to assets | 10.3494% | 3,409 |
| Core capital (leverage) ratio | 8.7662% | 4,908 |
| Tier 1 risk-based capital ratio | 11.7181% | 5,478 |
| Total risk-based capital ratio | 12.9729% | 5,420 |
| Memoranda: | ||
| Average total assets | $288,292,500 | 2,325 |
| Average earning assets | $259,115,500 | 2,358 |
| Average equity | $29,324,000 | 2,261 |
| Average total loans | $229,421,000 | 1,999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 2,542 |
| Cost of funding earning assets | 1.9652% | 3,125 |
| Net interest margin | 3.8616% | 3,431 |
| Noninterest income to average assets | 0.7273% | 2,802 |
| Noninterest expense to average assets | 2.4684% | 6,244 |
| Loan and lease loss provision to assets | 0.6774% | 3,113 |
| Net operating income to assets | 1.0616% | 1,622 |
| Return on assets (ROA) | 1.0460% | 1,726 |
| Pretax return on assets | 1.1048% | 2,235 |
| Return on Equity (ROE) | 10.4978% | 1,553 |
| Retained earnings to average equity (ytd only) | 5.5781% | 1,538 |
| Net charge-offs to loans | 0.3625% | 4,414 |
| Credit loss provision to net charge-offs | 236.9077% | 1,527 |
| Earnings coverage of net charge-offs (x) | 6.2905% | 2,396 |
| Efficiency ratio | 57.2646% | 6,870 |
| Assets per employee ($millions) | 4.1190% | 3,573 |
| Cash dividends to net income (ytd only)* | 46.8643% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 4,041 |
| Loan loss allowance to noncurrent loans | 433.8583% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 6,690 |
| Noncurrent loans to loans | 0.3313% | 6,618 |
| Net loans and leases to total assets | 78.6215% | 1,259 |
| Net loans and leases to deposits | 93.2972% | 1,693 |
| Net loans and leases to core deposits | 104.9127% | 3,459 |
| Total domestic deposits to total assets | 84.2699% | 3,908 |
| Equity capital to assets | 9.9939% | 3,773 |
| Core capital (leverage) ratio | 8.4294% | 5,387 |
| Tier 1 risk-based capital ratio | 11.1951% | 5,727 |
| Total risk-based capital ratio | 12.4489% | 5,675 |
| Memoranda: | ||
| Average total assets | $280,503,600 | 2,343 |
| Average earning assets | $257,121,000 | 2,353 |
| Average equity | $27,948,800 | 2,376 |
| Average total loans | $221,227,600 | 2,094 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8261% | 2,777 |
| Cost of funding earning assets | 2.0194% | 3,254 |
| Net interest margin | 3.8067% | 3,629 |
| Noninterest income to average assets | 0.7137% | 2,927 |
| Noninterest expense to average assets | 2.4910% | 6,099 |
| Loan and lease loss provision to assets | 0.4787% | 3,511 |
| Net operating income to assets | 1.1735% | 1,533 |
| Return on assets (ROA) | 1.1708% | 1,595 |
| Pretax return on assets | 1.2421% | 2,131 |
| Return on Equity (ROE) | 11.7598% | 1,430 |
| Retained earnings to average equity (ytd only) | 7.5530% | 1,292 |
| Net charge-offs to loans | 0.3628% | 3,836 |
| Credit loss provision to net charge-offs | 167.7852% | 2,792 |
| Earnings coverage of net charge-offs (x) | 6.0419% | 2,677 |
| Efficiency ratio | 58.5009% | 6,650 |
| Assets per employee ($millions) | 4.2288% | 3,321 |
| Cash dividends to net income (ytd only)* | 35.7728% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,356 |
| Loan loss allowance to noncurrent loans | 216.4043% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 6,296 |
| Noncurrent loans to loans | 0.5363% | 6,237 |
| Net loans and leases to total assets | 78.5125% | 1,481 |
| Net loans and leases to deposits | 93.7544% | 1,920 |
| Net loans and leases to core deposits | 104.4474% | 3,882 |
| Total domestic deposits to total assets | 83.7427% | 3,840 |
| Equity capital to assets | 10.1528% | 3,903 |
| Core capital (leverage) ratio | 8.5058% | 5,478 |
| Tier 1 risk-based capital ratio | 11.3750% | 5,565 |
| Total risk-based capital ratio | 12.6230% | 5,506 |
| Memoranda: | ||
| Average total assets | $278,547,750 | 2,373 |
| Average earning assets | $256,175,000 | 2,375 |
| Average equity | $27,732,250 | 2,408 |
| Average total loans | $219,036,250 | 2,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 3,118 |
| Cost of funding earning assets | 2.0694% | 3,424 |
| Net interest margin | 3.7170% | 3,884 |
| Noninterest income to average assets | 0.7063% | 2,953 |
| Noninterest expense to average assets | 2.5643% | 5,887 |
| Loan and lease loss provision to assets | 0.4333% | 3,391 |
| Net operating income to assets | 1.0858% | 1,821 |
| Return on assets (ROA) | 1.0810% | 1,911 |
| Pretax return on assets | 1.1525% | 2,453 |
| Return on Equity (ROE) | 10.9319% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.5942% | 1,750 |
| Net charge-offs to loans | 0.4866% | 2,881 |
| Credit loss provision to net charge-offs | 113.6364% | 4,080 |
| Earnings coverage of net charge-offs (x) | 4.1723% | 3,186 |
| Efficiency ratio | 61.1053% | 6,382 |
| Assets per employee ($millions) | 3.8763% | 3,930 |
| Cash dividends to net income (ytd only)* | 39.6794% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 5,943 |
| Loan loss allowance to noncurrent loans | 311.9015% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 6,751 |
| Noncurrent loans to loans | 0.3350% | 6,674 |
| Net loans and leases to total assets | 76.3154% | 2,106 |
| Net loans and leases to deposits | 90.7116% | 2,714 |
| Net loans and leases to core deposits | 100.3746% | 4,469 |
| Total domestic deposits to total assets | 84.1297% | 3,693 |
| Equity capital to assets | 9.8601% | 4,134 |
| Core capital (leverage) ratio | 8.2977% | 5,801 |
| Tier 1 risk-based capital ratio | 11.3381% | 5,560 |
| Total risk-based capital ratio | 12.4562% | 5,597 |
| Memoranda: | ||
| Average total assets | $276,953,000 | 2,403 |
| Average earning assets | $256,979,330 | 2,382 |
| Average equity | $27,387,670 | 2,441 |
| Average total loans | $217,027,330 | 2,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9155% | 2,729 |
| Cost of funding earning assets | 2.1853% | 3,236 |
| Net interest margin | 3.7303% | 3,761 |
| Noninterest income to average assets | 0.6892% | 2,953 |
| Noninterest expense to average assets | 2.4297% | 6,100 |
| Loan and lease loss provision to assets | 0.4380% | 2,732 |
| Net operating income to assets | 1.2105% | 1,630 |
| Return on assets (ROA) | 1.2105% | 1,741 |
| Pretax return on assets | 1.2835% | 2,335 |
| Return on Equity (ROE) | 12.2222% | 1,592 |
| Retained earnings to average equity (ytd only) | 12.2222% | 750 |
| Net charge-offs to loans | 0.1312% | 3,910 |
| Credit loss provision to net charge-offs | 422.5352% | 1,251 |
| Earnings coverage of net charge-offs (x) | 16.6056% | 1,542 |
| Efficiency ratio | 57.8966% | 6,716 |
| Assets per employee ($millions) | 4.1824% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,329 |
| Loan loss allowance to noncurrent loans | 84.2378% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0734% | 4,547 |
| Noncurrent loans to loans | 1.3286% | 4,322 |
| Net loans and leases to total assets | 76.8385% | 2,079 |
| Net loans and leases to deposits | 91.5222% | 2,688 |
| Net loans and leases to core deposits | 101.3280% | 4,408 |
| Total domestic deposits to total assets | 83.9561% | 3,733 |
| Equity capital to assets | 9.8245% | 4,214 |
| Core capital (leverage) ratio | 8.6488% | 5,263 |
| Tier 1 risk-based capital ratio | 11.3305% | 5,567 |
| Total risk-based capital ratio | 12.5295% | 5,531 |
| Memoranda: | ||
| Average total assets | $273,945,000 | 2,429 |
| Average earning assets | $254,245,500 | 2,412 |
| Average equity | $27,131,000 | 2,480 |
| Average total loans | $216,426,500 | 2,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3572% | 3,658 |
| Cost of funding earning assets | 2.6785% | 3,268 |
| Net interest margin | 3.6787% | 4,559 |
| Noninterest income to average assets | 0.7304% | 2,899 |
| Noninterest expense to average assets | 2.4014% | 6,388 |
| Loan and lease loss provision to assets | 0.3079% | 3,908 |
| Net operating income to assets | 1.3239% | 1,418 |
| Return on assets (ROA) | 1.3246% | 1,366 |
| Pretax return on assets | 1.4004% | 1,972 |
| Return on Equity (ROE) | 13.3069% | 1,255 |
| Retained earnings to average equity (ytd only) | 7.9409% | 860 |
| Net charge-offs to loans | 0.2530% | 3,751 |
| Credit loss provision to net charge-offs | 154.7389% | 3,373 |
| Earnings coverage of net charge-offs (x) | 8.5822% | 2,855 |
| Efficiency ratio | 57.7878% | 6,736 |
| Assets per employee ($millions) | 3.9363% | 3,639 |
| Cash dividends to net income (ytd only)* | 40.3254% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 5,803 |
| Loan loss allowance to noncurrent loans | 178.2082% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 5,607 |
| Noncurrent loans to loans | 0.5760% | 5,641 |
| Net loans and leases to total assets | 79.5350% | 1,766 |
| Net loans and leases to deposits | 94.9440% | 2,626 |
| Net loans and leases to core deposits | 105.4599% | 4,248 |
| Total domestic deposits to total assets | 83.7704% | 3,445 |
| Equity capital to assets | 9.9869% | 4,052 |
| Core capital (leverage) ratio | 8.4707% | 5,623 |
| Tier 1 risk-based capital ratio | 11.1227% | 5,623 |
| Total risk-based capital ratio | 12.2298% | 5,650 |
| Memoranda: | ||
| Average total assets | $259,851,400 | 2,463 |
| Average earning assets | $238,641,000 | 2,467 |
| Average equity | $25,866,200 | 2,570 |
| Average total loans | $204,345,000 | 2,257 |