Home > Pioneer Bank > Performance and Condition Ratios
Pioneer 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 | 4.2109% | 3,605 |
| Cost of funding earning assets | 1.4300% | 2,149 |
| Net interest margin | 2.7809% | 3,699 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.9740% | 3,695 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8768% | 2,614 |
| Return on assets (ROA) | 0.8561% | 2,659 |
| Pretax return on assets | 0.9028% | 2,958 |
| Return on Equity (ROE) | 10.7500% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.3159% | 2,481 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2613% | 2,200 |
| Assets per employee ($millions) | 8.0271% | 1,420 |
| Cash dividends to net income (ytd only)* | 50.5644% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,128 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.1300% | 1,678 |
| Net loans and leases to deposits | 79.3514% | 2,159 |
| Net loans and leases to core deposits | 87.3516% | 2,219 |
| Total domestic deposits to total assets | 89.6400% | 864 |
| Equity capital to assets | 7.9843% | 3,432 |
| Core capital (leverage) ratio | 9.1730% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $248,325,200 | 2,693 |
| Average earning assets | $236,504,600 | 2,649 |
| Average equity | $19,770,800 | 2,876 |
| Average total loans | $185,386,200 | 2,393 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 3,533 |
| Cost of funding earning assets | 1.2811% | 2,194 |
| Net interest margin | 2.8826% | 3,582 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.0110% | 3,573 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9235% | 2,603 |
| Return on assets (ROA) | 0.8955% | 2,683 |
| Pretax return on assets | 0.9386% | 3,011 |
| Return on Equity (ROE) | 11.2600% | 2,307 |
| Retained earnings to average equity (ytd only) | 3.8779% | 3,292 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7089% | 2,190 |
| Assets per employee ($millions) | 7.4953% | 1,633 |
| Cash dividends to net income (ytd only)* | 65.5488% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,294 |
| Loan loss allowance to noncurrent loans | 231,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,891 |
| Noncurrent loans to loans | 0.0005% | 3,837 |
| Net loans and leases to total assets | 76.2400% | 1,092 |
| Net loans and leases to deposits | 86.0547% | 1,567 |
| Net loans and leases to core deposits | 94.1848% | 1,665 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 7.8118% | 3,176 |
| Core capital (leverage) ratio | 9.4058% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $244,182,750 | 2,721 |
| Average earning assets | $232,287,750 | 2,681 |
| Average equity | $19,426,000 | 2,898 |
| Average total loans | $184,040,500 | 2,407 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,569 |
| Cost of funding earning assets | 1.0887% | 2,320 |
| Net interest margin | 2.9722% | 3,505 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.0392% | 3,497 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9898% | 2,454 |
| Return on assets (ROA) | 0.9476% | 2,582 |
| Pretax return on assets | 0.9929% | 2,933 |
| Return on Equity (ROE) | 11.8400% | 2,206 |
| Retained earnings to average equity (ytd only) | 2.3329% | 3,639 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.4090% | 2,323 |
| Assets per employee ($millions) | 6.5099% | 2,277 |
| Cash dividends to net income (ytd only)* | 80.2951% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,145 |
| Loan loss allowance to noncurrent loans | 115,100.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,902 |
| Noncurrent loans to loans | 0.0011% | 3,833 |
| Net loans and leases to total assets | 75.0800% | 1,153 |
| Net loans and leases to deposits | 85.4393% | 1,547 |
| Net loans and leases to core deposits | 92.4568% | 1,654 |
| Total domestic deposits to total assets | 87.8800% | 1,655 |
| Equity capital to assets | 8.1016% | 3,151 |
| Core capital (leverage) ratio | 9.4354% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $243,128,667 | 2,729 |
| Average earning assets | $231,479,333 | 2,695 |
| Average equity | $19,460,667 | 2,910 |
| Average total loans | $181,756,667 | 2,422 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,575 |
| Cost of funding earning assets | 0.9127% | 2,330 |
| Net interest margin | 3.0302% | 3,525 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0421% | 3,516 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0797% | 2,288 |
| Return on assets (ROA) | 0.9957% | 2,508 |
| Pretax return on assets | 1.0448% | 2,872 |
| Return on Equity (ROE) | 12.5100% | 2,095 |
| Retained earnings to average equity (ytd only) | 1.1938% | 3,840 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6549% | 2,506 |
| Assets per employee ($millions) | 6.5767% | 2,285 |
| Cash dividends to net income (ytd only)* | 90.4605% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,249 |
| Loan loss allowance to noncurrent loans | 75,733.3333% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,921 |
| Noncurrent loans to loans | 0.0017% | 3,860 |
| Net loans and leases to total assets | 73.2800% | 1,293 |
| Net loans and leases to deposits | 83.9931% | 1,501 |
| Net loans and leases to core deposits | 89.2250% | 1,662 |
| Total domestic deposits to total assets | 87.2400% | 2,177 |
| Equity capital to assets | 8.0986% | 3,171 |
| Core capital (leverage) ratio | 9.2810% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $244,260,000 | 2,758 |
| Average earning assets | $232,726,000 | 2,720 |
| Average equity | $19,434,000 | 2,940 |
| Average total loans | $181,058,000 | 2,443 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 3,071 |
| Cost of funding earning assets | 0.6092% | 863 |
| Net interest margin | 2.8920% | 3,700 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.8828% | 3,870 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0931% | 2,203 |
| Return on assets (ROA) | 1.0931% | 2,146 |
| Pretax return on assets | 1.1498% | 2,605 |
| Return on Equity (ROE) | 14.2900% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.5904% | 1,283 |
| Net charge-offs to loans | -0.0012% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5184% | 2,835 |
| Assets per employee ($millions) | 6.6265% | 2,242 |
| Cash dividends to net income (ytd only)* | 32.8707% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 1,919 |
| Loan loss allowance to noncurrent loans | 58,800.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,935 |
| Noncurrent loans to loans | 0.0022% | 3,871 |
| Net loans and leases to total assets | 73.0800% | 1,307 |
| Net loans and leases to deposits | 82.1737% | 1,603 |
| Net loans and leases to core deposits | 87.6380% | 1,637 |
| Total domestic deposits to total assets | 88.9400% | 1,737 |
| Equity capital to assets | 7.8150% | 3,177 |
| Core capital (leverage) ratio | 9.1146% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $250,474,000 | 2,729 |
| Average earning assets | $237,860,200 | 2,686 |
| Average equity | $19,165,000 | 3,021 |
| Average total loans | $171,155,400 | 2,443 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 3,049 |
| Cost of funding earning assets | 0.5619% | 542 |
| Net interest margin | 2.7893% | 3,757 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.8517% | 3,865 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0744% | 2,189 |
| Return on assets (ROA) | 1.0744% | 2,151 |
| Pretax return on assets | 1.1236% | 2,646 |
| Return on Equity (ROE) | 14.1100% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.4192% | 1,510 |
| Net charge-offs to loans | -0.0016% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7954% | 2,855 |
| Assets per employee ($millions) | 6.6741% | 2,178 |
| Cash dividends to net income (ytd only)* | 33.2676% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,187 |
| Loan loss allowance to noncurrent loans | 46,440.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,010 |
| Noncurrent loans to loans | 0.0027% | 3,948 |
| Net loans and leases to total assets | 73.2500% | 1,159 |
| Net loans and leases to deposits | 82.2086% | 1,430 |
| Net loans and leases to core deposits | 87.2685% | 1,451 |
| Total domestic deposits to total assets | 89.1100% | 2,042 |
| Equity capital to assets | 7.2875% | 3,349 |
| Core capital (leverage) ratio | 8.7553% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2791% | 2,362 |
| Memoranda: | ||
| Average total assets | $251,797,250 | 2,740 |
| Average earning assets | $239,190,000 | 2,691 |
| Average equity | $19,166,000 | 3,066 |
| Average total loans | $168,560,500 | 2,467 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1357% | 3,220 |
| Cost of funding earning assets | 0.5334% | 432 |
| Net interest margin | 2.6022% | 3,907 |
| Noninterest income to average assets | 0.3441% | 3,092 |
| Noninterest expense to average assets | 1.8152% | 3,917 |
| Loan and lease loss provision to assets | 0.0079% | 2,453 |
| Net operating income to assets | 0.9463% | 2,380 |
| Return on assets (ROA) | 0.9463% | 2,352 |
| Pretax return on assets | 0.9889% | 2,775 |
| Return on Equity (ROE) | 12.2622% | 1,599 |
| Retained earnings to average equity (ytd only) | 5.3590% | 2,569 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5523% | 2,701 |
| Assets per employee ($millions) | 7.0011% | 1,941 |
| Cash dividends to net income (ytd only)* | 56.2969% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,099 |
| Loan loss allowance to noncurrent loans | 38,166.6667% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,045 |
| Noncurrent loans to loans | 0.0035% | 3,975 |
| Net loans and leases to total assets | 67.9648% | 1,483 |
| Net loans and leases to deposits | 76.3502% | 1,662 |
| Net loans and leases to core deposits | 80.9222% | 1,664 |
| Total domestic deposits to total assets | 89.0171% | 2,178 |
| Equity capital to assets | 7.4628% | 3,500 |
| Core capital (leverage) ratio | 8.3471% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4213% | 2,329 |
| Memoranda: | ||
| Average total assets | $253,415,333 | 2,752 |
| Average earning assets | $240,331,333 | 2,721 |
| Average equity | $19,556,000 | 3,105 |
| Average total loans | $163,676,333 | 2,519 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9065% | 3,518 |
| Cost of funding earning assets | 0.5262% | 434 |
| Net interest margin | 2.3803% | 4,109 |
| Noninterest income to average assets | 0.3746% | 2,847 |
| Noninterest expense to average assets | 1.8244% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7713% | 2,768 |
| Return on assets (ROA) | 0.7713% | 2,760 |
| Pretax return on assets | 0.8075% | 3,094 |
| Return on Equity (ROE) | 9.8347% | 2,032 |
| Retained earnings to average equity (ytd only) | -0.2007% | 4,041 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3182% | 2,327 |
| Assets per employee ($millions) | 7.0707% | 1,943 |
| Cash dividends to net income (ytd only)* | 102.0408% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,703 |
| Loan loss allowance to noncurrent loans | 32,571.4286% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,083 |
| Noncurrent loans to loans | 0.0045% | 4,007 |
| Net loans and leases to total assets | 60.7665% | 1,984 |
| Net loans and leases to deposits | 69.2512% | 2,032 |
| Net loans and leases to core deposits | 73.7366% | 1,963 |
| Total domestic deposits to total assets | 87.7479% | 2,646 |
| Equity capital to assets | 7.4942% | 3,938 |
| Core capital (leverage) ratio | 8.2492% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2148% | 2,113 |
| Memoranda: | ||
| Average total assets | $254,104,000 | 2,759 |
| Average earning assets | $240,979,500 | 2,730 |
| Average equity | $19,929,500 | 3,153 |
| Average total loans | $158,721,000 | 2,560 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 2,664 |
| Cost of funding earning assets | 0.6208% | 495 |
| Net interest margin | 2.8782% | 3,494 |
| Noninterest income to average assets | 0.4254% | 2,922 |
| Noninterest expense to average assets | 1.8796% | 3,972 |
| Loan and lease loss provision to assets | 0.0355% | 2,341 |
| Net operating income to assets | 1.1726% | 2,015 |
| Return on assets (ROA) | 1.1726% | 2,074 |
| Pretax return on assets | 1.2265% | 2,582 |
| Return on Equity (ROE) | 13.9832% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.9999% | 1,206 |
| Net charge-offs to loans | -0.0006% | 3,241 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8297% | 3,176 |
| Assets per employee ($millions) | 7.0462% | 1,895 |
| Cash dividends to net income (ytd only)* | 35.6379% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,840 |
| Loan loss allowance to noncurrent loans | 28,500.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,151 |
| Noncurrent loans to loans | 0.0050% | 4,080 |
| Net loans and leases to total assets | 62.3678% | 1,897 |
| Net loans and leases to deposits | 71.7023% | 1,940 |
| Net loans and leases to core deposits | 76.8271% | 1,853 |
| Total domestic deposits to total assets | 86.9815% | 2,530 |
| Equity capital to assets | 8.1932% | 4,235 |
| Core capital (leverage) ratio | 8.3357% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4803% | 2,058 |
| Memoranda: | ||
| Average total assets | $239,301,400 | 2,798 |
| Average earning assets | $225,833,400 | 2,772 |
| Average equity | $20,067,000 | 3,213 |
| Average total loans | $160,019,000 | 2,541 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 2,613 |
| Cost of funding earning assets | 0.6379% | 524 |
| Net interest margin | 2.9419% | 3,456 |
| Noninterest income to average assets | 0.4316% | 2,923 |
| Noninterest expense to average assets | 1.8921% | 3,964 |
| Loan and lease loss provision to assets | 0.0140% | 2,714 |
| Net operating income to assets | 1.2359% | 2,036 |
| Return on assets (ROA) | 1.2359% | 2,100 |
| Pretax return on assets | 1.3010% | 2,621 |
| Return on Equity (ROE) | 14.6483% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.6203% | 1,447 |
| Net charge-offs to loans | 0.0008% | 2,424 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 2,325.0000% | 63 |
| Efficiency ratio | 58.9947% | 3,123 |
| Assets per employee ($millions) | 6.5728% | 2,193 |
| Cash dividends to net income (ytd only)* | 34.3249% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,126 |
| Loan loss allowance to noncurrent loans | 24,644.4444% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,240 |
| Noncurrent loans to loans | 0.0056% | 4,171 |
| Net loans and leases to total assets | 65.4073% | 1,610 |
| Net loans and leases to deposits | 75.6254% | 1,705 |
| Net loans and leases to core deposits | 80.5708% | 1,686 |
| Total domestic deposits to total assets | 86.4885% | 2,560 |
| Equity capital to assets | 8.4801% | 4,226 |
| Core capital (leverage) ratio | 8.4449% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,711,000 | 2,844 |
| Average earning assets | $222,390,500 | 2,822 |
| Average equity | $19,888,000 | 3,266 |
| Average total loans | $159,902,750 | 2,581 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 2,243 |
| Cost of funding earning assets | 0.6571% | 545 |
| Net interest margin | 3.0789% | 3,090 |
| Noninterest income to average assets | 0.4494% | 2,845 |
| Noninterest expense to average assets | 1.9398% | 3,863 |
| Loan and lease loss provision to assets | 0.0129% | 2,692 |
| Net operating income to assets | 1.3284% | 1,779 |
| Return on assets (ROA) | 1.3284% | 1,844 |
| Pretax return on assets | 1.3978% | 2,347 |
| Return on Equity (ROE) | 15.7715% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.4079% | 1,586 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8961% | 3,299 |
| Assets per employee ($millions) | 6.5266% | 2,146 |
| Cash dividends to net income (ytd only)* | 40.3486% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,956 |
| Loan loss allowance to noncurrent loans | 22,090.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,297 |
| Noncurrent loans to loans | 0.0064% | 4,216 |
| Net loans and leases to total assets | 64.1455% | 1,930 |
| Net loans and leases to deposits | 74.0873% | 1,992 |
| Net loans and leases to core deposits | 78.4861% | 2,007 |
| Total domestic deposits to total assets | 86.5809% | 2,514 |
| Equity capital to assets | 8.3331% | 4,336 |
| Core capital (leverage) ratio | 8.3849% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,217,000 | 2,860 |
| Average earning assets | $219,750,333 | 2,831 |
| Average equity | $19,643,000 | 3,280 |
| Average total loans | $159,442,333 | 2,600 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 1,969 |
| Cost of funding earning assets | 0.6712% | 614 |
| Net interest margin | 3.1724% | 2,777 |
| Noninterest income to average assets | 0.4208% | 2,988 |
| Noninterest expense to average assets | 1.9329% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4021% | 1,568 |
| Return on assets (ROA) | 1.4021% | 1,642 |
| Pretax return on assets | 1.4754% | 2,058 |
| Return on Equity (ROE) | 16.5541% | 919 |
| Retained earnings to average equity (ytd only) | 6.2465% | 2,814 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7111% | 3,465 |
| Assets per employee ($millions) | 6.3799% | 2,271 |
| Cash dividends to net income (ytd only)* | 62.2665% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,207 |
| Loan loss allowance to noncurrent loans | 19,945.4545% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,369 |
| Noncurrent loans to loans | 0.0068% | 4,292 |
| Net loans and leases to total assets | 68.0278% | 1,529 |
| Net loans and leases to deposits | 78.6539% | 1,651 |
| Net loans and leases to core deposits | 83.5513% | 1,716 |
| Total domestic deposits to total assets | 86.4900% | 2,528 |
| Equity capital to assets | 8.2667% | 4,314 |
| Core capital (leverage) ratio | 8.5802% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,083,500 | 2,873 |
| Average earning assets | $215,737,500 | 2,847 |
| Average equity | $19,403,000 | 3,289 |
| Average total loans | $160,608,500 | 2,594 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,052 |
| Cost of funding earning assets | 0.9025% | 847 |
| Net interest margin | 3.3281% | 2,993 |
| Noninterest income to average assets | 0.4272% | 2,980 |
| Noninterest expense to average assets | 2.2058% | 3,651 |
| Loan and lease loss provision to assets | 0.1375% | 2,641 |
| Net operating income to assets | 1.1593% | 1,692 |
| Return on assets (ROA) | 1.1593% | 1,808 |
| Pretax return on assets | 1.2148% | 2,278 |
| Return on Equity (ROE) | 12.8999% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.8460% | 1,101 |
| Net charge-offs to loans | -0.0684% | 4,736 |
| Credit loss provision to net charge-offs | -250.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9928% | 3,135 |
| Assets per employee ($millions) | 6.1698% | 2,194 |
| Cash dividends to net income (ytd only)* | 39.1783% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,025 |
| Loan loss allowance to noncurrent loans | 18,283.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,427 |
| Noncurrent loans to loans | 0.0076% | 4,358 |
| Net loans and leases to total assets | 70.3456% | 1,511 |
| Net loans and leases to deposits | 82.1232% | 1,651 |
| Net loans and leases to core deposits | 88.1749% | 1,670 |
| Total domestic deposits to total assets | 85.6586% | 2,506 |
| Equity capital to assets | 8.6857% | 4,304 |
| Core capital (leverage) ratio | 8.8113% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,649,000 | 2,908 |
| Average earning assets | $191,581,400 | 2,898 |
| Average equity | $18,302,400 | 3,344 |
| Average total loans | $163,648,200 | 2,539 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 1,939 |
| Cost of funding earning assets | 0.9534% | 895 |
| Net interest margin | 3.4137% | 2,877 |
| Noninterest income to average assets | 0.4060% | 3,050 |
| Noninterest expense to average assets | 2.2716% | 3,493 |
| Loan and lease loss provision to assets | 0.1241% | 2,785 |
| Net operating income to assets | 1.1562% | 1,800 |
| Return on assets (ROA) | 1.1562% | 1,914 |
| Pretax return on assets | 1.2172% | 2,336 |
| Return on Equity (ROE) | 12.7459% | 1,185 |
| Retained earnings to average equity (ytd only) | 5.9151% | 2,139 |
| Net charge-offs to loans | -0.0897% | 4,804 |
| Credit loss provision to net charge-offs | -166.6667% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8778% | 2,933 |
| Assets per employee ($millions) | 5.8663% | 2,385 |
| Cash dividends to net income (ytd only)* | 53.5921% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,424 |
| Loan loss allowance to noncurrent loans | 16,138.4615% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,488 |
| Noncurrent loans to loans | 0.0077% | 4,420 |
| Net loans and leases to total assets | 78.8655% | 727 |
| Net loans and leases to deposits | 92.5382% | 1,029 |
| Net loans and leases to core deposits | 100.3797% | 1,137 |
| Total domestic deposits to total assets | 85.2249% | 2,353 |
| Equity capital to assets | 8.8330% | 4,228 |
| Core capital (leverage) ratio | 8.8282% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,033,250 | 2,932 |
| Average earning assets | $186,968,000 | 2,919 |
| Average equity | $18,055,000 | 3,363 |
| Average total loans | $164,950,250 | 2,534 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,877 |
| Cost of funding earning assets | 1.0009% | 986 |
| Net interest margin | 3.5136% | 2,741 |
| Noninterest income to average assets | 0.4257% | 2,935 |
| Noninterest expense to average assets | 2.3807% | 3,304 |
| Loan and lease loss provision to assets | 0.1436% | 2,578 |
| Net operating income to assets | 1.1355% | 1,858 |
| Return on assets (ROA) | 1.1355% | 1,975 |
| Pretax return on assets | 1.1960% | 2,375 |
| Return on Equity (ROE) | 12.3997% | 1,239 |
| Retained earnings to average equity (ytd only) | 3.9988% | 2,908 |
| Net charge-offs to loans | -0.1063% | 4,864 |
| Credit loss provision to net charge-offs | -160.9195% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9923% | 2,826 |
| Assets per employee ($millions) | 6.0671% | 2,126 |
| Cash dividends to net income (ytd only)* | 67.7507% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,631 |
| Loan loss allowance to noncurrent loans | 1,159.4286% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,113 |
| Noncurrent loans to loans | 0.1015% | 4,048 |
| Net loans and leases to total assets | 80.2612% | 569 |
| Net loans and leases to deposits | 93.8808% | 973 |
| Net loans and leases to core deposits | 102.2105% | 1,104 |
| Total domestic deposits to total assets | 85.4927% | 2,206 |
| Equity capital to assets | 8.5737% | 4,431 |
| Core capital (leverage) ratio | 8.6689% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,982,333 | 2,947 |
| Average earning assets | $182,834,667 | 2,931 |
| Average equity | $17,855,333 | 3,377 |
| Average total loans | $163,716,667 | 2,534 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,542 |
| Cost of funding earning assets | 1.0788% | 1,104 |
| Net interest margin | 3.3421% | 3,476 |
| Noninterest income to average assets | 0.4122% | 3,017 |
| Noninterest expense to average assets | 2.3682% | 3,610 |
| Loan and lease loss provision to assets | 0.0966% | 2,479 |
| Net operating income to assets | 1.0199% | 2,114 |
| Return on assets (ROA) | 1.0199% | 2,216 |
| Pretax return on assets | 1.0735% | 2,603 |
| Return on Equity (ROE) | 10.7466% | 1,489 |
| Retained earnings to average equity (ytd only) | 0.5656% | 3,854 |
| Net charge-offs to loans | -0.2184% | 4,948 |
| Credit loss provision to net charge-offs | -51.7241% | 3,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9296% | 2,833 |
| Assets per employee ($millions) | 4.9101% | 2,740 |
| Cash dividends to net income (ytd only)* | 94.7368% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,631 |
| Loan loss allowance to noncurrent loans | 1,572.3577% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,271 |
| Noncurrent loans to loans | 0.0767% | 4,207 |
| Net loans and leases to total assets | 84.8653% | 214 |
| Net loans and leases to deposits | 99.6815% | 577 |
| Net loans and leases to core deposits | 109.8671% | 853 |
| Total domestic deposits to total assets | 85.1365% | 2,358 |
| Equity capital to assets | 9.4332% | 4,283 |
| Core capital (leverage) ratio | 9.6188% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,299,500 | 2,994 |
| Average earning assets | $174,264,000 | 2,975 |
| Average equity | $17,680,000 | 3,405 |
| Average total loans | $159,344,000 | 2,547 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 2,989 |
| Cost of funding earning assets | 1.0887% | 1,370 |
| Net interest margin | 3.3982% | 3,750 |
| Noninterest income to average assets | 0.4260% | 3,130 |
| Noninterest expense to average assets | 2.4219% | 3,630 |
| Loan and lease loss provision to assets | 0.0741% | 2,514 |
| Net operating income to assets | 1.0666% | 2,590 |
| Return on assets (ROA) | 1.0671% | 2,685 |
| Pretax return on assets | 1.1193% | 3,108 |
| Return on Equity (ROE) | 11.4550% | 1,713 |
| Retained earnings to average equity (ytd only) | 6.0044% | 1,865 |
| Net charge-offs to loans | 0.1413% | 1,383 |
| Credit loss provision to net charge-offs | 63.6792% | 2,993 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,585 |
| Efficiency ratio | 67.0008% | 2,618 |
| Assets per employee ($millions) | 4.8951% | 2,711 |
| Cash dividends to net income (ytd only)* | 47.5823% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,759 |
| Loan loss allowance to noncurrent loans | 712.2530% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 3,954 |
| Noncurrent loans to loans | 0.1597% | 3,890 |
| Net loans and leases to total assets | 84.1904% | 304 |
| Net loans and leases to deposits | 98.4696% | 717 |
| Net loans and leases to core deposits | 107.9878% | 976 |
| Total domestic deposits to total assets | 85.4989% | 2,293 |
| Equity capital to assets | 9.5471% | 4,312 |
| Core capital (leverage) ratio | 9.5792% | 3,984 |
| Tier 1 risk-based capital ratio | 11.6175% | 4,564 |
| Total risk-based capital ratio | 12.8028% | 4,483 |
| Memoranda: | ||
| Average total assets | $182,171,400 | 2,994 |
| Average earning assets | $170,942,800 | 2,973 |
| Average equity | $16,970,800 | 3,438 |
| Average total loans | $150,025,400 | 2,619 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 3,131 |
| Cost of funding earning assets | 1.0856% | 1,402 |
| Net interest margin | 3.3941% | 3,876 |
| Noninterest income to average assets | 0.4142% | 3,234 |
| Noninterest expense to average assets | 2.4472% | 3,577 |
| Loan and lease loss provision to assets | 0.0662% | 2,561 |
| Net operating income to assets | 1.0331% | 2,848 |
| Return on assets (ROA) | 1.0338% | 2,927 |
| Pretax return on assets | 1.0875% | 3,331 |
| Return on Equity (ROE) | 11.1680% | 1,944 |
| Retained earnings to average equity (ytd only) | 3.8154% | 3,487 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9747% | 2,426 |
| Assets per employee ($millions) | 4.4850% | 3,234 |
| Cash dividends to net income (ytd only)* | 65.8360% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 1,851 |
| Loan loss allowance to noncurrent loans | 1,447.7941% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,340 |
| Noncurrent loans to loans | 0.0917% | 4,238 |
| Net loans and leases to total assets | 81.5440% | 625 |
| Net loans and leases to deposits | 95.7201% | 1,049 |
| Net loans and leases to core deposits | 106.0418% | 1,179 |
| Total domestic deposits to total assets | 85.1901% | 2,354 |
| Equity capital to assets | 9.6009% | 4,388 |
| Core capital (leverage) ratio | 9.4852% | 4,177 |
| Tier 1 risk-based capital ratio | 11.8254% | 4,504 |
| Total risk-based capital ratio | 13.0770% | 4,391 |
| Memoranda: | ||
| Average total assets | $181,210,750 | 3,031 |
| Average earning assets | $170,093,750 | 3,008 |
| Average equity | $16,773,750 | 3,482 |
| Average total loans | $147,929,750 | 2,668 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 3,405 |
| Cost of funding earning assets | 1.0730% | 1,407 |
| Net interest margin | 3.3009% | 4,145 |
| Noninterest income to average assets | 0.3850% | 3,366 |
| Noninterest expense to average assets | 2.4443% | 3,627 |
| Loan and lease loss provision to assets | 0.0660% | 2,499 |
| Net operating income to assets | 0.9296% | 3,168 |
| Return on assets (ROA) | 0.9306% | 3,228 |
| Pretax return on assets | 0.9790% | 3,619 |
| Return on Equity (ROE) | 10.1783% | 2,301 |
| Retained earnings to average equity (ytd only) | 1.1550% | 4,392 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0725% | 2,214 |
| Assets per employee ($millions) | 4.8168% | 2,719 |
| Cash dividends to net income (ytd only)* | 88.6525% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 1,948 |
| Loan loss allowance to noncurrent loans | 1,355.9441% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,372 |
| Noncurrent loans to loans | 0.0970% | 4,243 |
| Net loans and leases to total assets | 79.4950% | 965 |
| Net loans and leases to deposits | 92.7274% | 1,408 |
| Net loans and leases to core deposits | 101.5891% | 1,590 |
| Total domestic deposits to total assets | 85.7297% | 2,168 |
| Equity capital to assets | 9.1861% | 4,665 |
| Core capital (leverage) ratio | 9.2236% | 4,431 |
| Tier 1 risk-based capital ratio | 11.5780% | 4,645 |
| Total risk-based capital ratio | 12.8294% | 4,538 |
| Memoranda: | ||
| Average total assets | $181,814,330 | 3,034 |
| Average earning assets | $170,925,330 | 3,010 |
| Average equity | $16,623,670 | 3,502 |
| Average total loans | $147,820,000 | 2,682 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 3,511 |
| Cost of funding earning assets | 1.0622% | 1,326 |
| Net interest margin | 3.2547% | 4,265 |
| Noninterest income to average assets | 0.3907% | 3,252 |
| Noninterest expense to average assets | 2.4768% | 3,571 |
| Loan and lease loss provision to assets | 0.0662% | 2,342 |
| Net operating income to assets | 0.8675% | 3,366 |
| Return on assets (ROA) | 0.8675% | 3,413 |
| Pretax return on assets | 0.9117% | 3,726 |
| Return on Equity (ROE) | 9.5108% | 2,581 |
| Retained earnings to average equity (ytd only) | -0.7744% | 4,624 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6933% | 2,080 |
| Assets per employee ($millions) | 4.6042% | 3,035 |
| Cash dividends to net income (ytd only)* | 108.1425% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,091 |
| Loan loss allowance to noncurrent loans | 999.4764% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 4,278 |
| Noncurrent loans to loans | 0.1301% | 4,154 |
| Net loans and leases to total assets | 80.7020% | 756 |
| Net loans and leases to deposits | 95.2391% | 1,040 |
| Net loans and leases to core deposits | 105.2337% | 1,224 |
| Total domestic deposits to total assets | 84.7363% | 2,772 |
| Equity capital to assets | 9.2408% | 4,489 |
| Core capital (leverage) ratio | 9.2121% | 4,459 |
| Tier 1 risk-based capital ratio | 11.5091% | 4,740 |
| Total risk-based capital ratio | 12.7598% | 4,633 |
| Memoranda: | ||
| Average total assets | $181,202,500 | 3,073 |
| Average earning assets | $170,585,500 | 3,049 |
| Average equity | $16,528,500 | 3,529 |
| Average total loans | $148,007,500 | 2,714 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 3,326 |
| Cost of funding earning assets | 0.8788% | 1,180 |
| Net interest margin | 3.3583% | 4,111 |
| Noninterest income to average assets | 0.4413% | 3,159 |
| Noninterest expense to average assets | 2.4746% | 3,687 |
| Loan and lease loss provision to assets | 0.0686% | 2,767 |
| Net operating income to assets | 0.9952% | 3,029 |
| Return on assets (ROA) | 0.9947% | 3,025 |
| Pretax return on assets | 1.0433% | 3,465 |
| Return on Equity (ROE) | 10.9605% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.9527% | 2,221 |
| Net charge-offs to loans | 0.0022% | 3,667 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 648.6667% | 168 |
| Efficiency ratio | 68.9880% | 2,392 |
| Assets per employee ($millions) | 4.8116% | 2,721 |
| Cash dividends to net income (ytd only)* | 45.6897% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,253 |
| Loan loss allowance to noncurrent loans | 930.1980% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,278 |
| Noncurrent loans to loans | 0.1354% | 4,127 |
| Net loans and leases to total assets | 80.5701% | 855 |
| Net loans and leases to deposits | 97.4100% | 944 |
| Net loans and leases to core deposits | 107.0751% | 1,186 |
| Total domestic deposits to total assets | 82.7124% | 3,422 |
| Equity capital to assets | 9.0045% | 4,572 |
| Core capital (leverage) ratio | 9.3644% | 4,282 |
| Tier 1 risk-based capital ratio | 11.1771% | 4,874 |
| Total risk-based capital ratio | 12.4270% | 4,785 |
| Memoranda: | ||
| Average total assets | $174,934,000 | 3,113 |
| Average earning assets | $163,864,800 | 3,097 |
| Average equity | $15,875,200 | 3,524 |
| Average total loans | $138,063,800 | 2,789 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 3,316 |
| Cost of funding earning assets | 0.8336% | 1,180 |
| Net interest margin | 3.3688% | 4,108 |
| Noninterest income to average assets | 0.4510% | 3,166 |
| Noninterest expense to average assets | 2.4645% | 3,691 |
| Loan and lease loss provision to assets | 0.0463% | 3,060 |
| Net operating income to assets | 1.0353% | 2,940 |
| Return on assets (ROA) | 1.0345% | 2,952 |
| Pretax return on assets | 1.0923% | 3,424 |
| Return on Equity (ROE) | 11.3765% | 2,027 |
| Retained earnings to average equity (ytd only) | 4.6371% | 3,431 |
| Net charge-offs to loans | 0.0039% | 3,323 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 369.7223% | 256 |
| Efficiency ratio | 68.3850% | 2,469 |
| Assets per employee ($millions) | 4.7867% | 2,739 |
| Cash dividends to net income (ytd only)* | 59.2397% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,246 |
| Loan loss allowance to noncurrent loans | 849.5327% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 4,365 |
| Noncurrent loans to loans | 0.1498% | 4,215 |
| Net loans and leases to total assets | 79.6593% | 1,071 |
| Net loans and leases to deposits | 97.7191% | 970 |
| Net loans and leases to core deposits | 107.8649% | 1,176 |
| Total domestic deposits to total assets | 81.5186% | 3,733 |
| Equity capital to assets | 8.9736% | 4,568 |
| Core capital (leverage) ratio | 9.2968% | 4,405 |
| Tier 1 risk-based capital ratio | 11.4665% | 4,807 |
| Total risk-based capital ratio | 12.7166% | 4,690 |
| Memoranda: | ||
| Average total assets | $172,957,000 | 3,163 |
| Average earning assets | $161,871,750 | 3,146 |
| Average equity | $15,728,000 | 3,565 |
| Average total loans | $135,281,000 | 2,840 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 3,269 |
| Cost of funding earning assets | 0.7985% | 1,136 |
| Net interest margin | 3.3536% | 4,094 |
| Noninterest income to average assets | 0.4628% | 3,075 |
| Noninterest expense to average assets | 2.5225% | 3,572 |
| Loan and lease loss provision to assets | 0.0350% | 3,213 |
| Net operating income to assets | 0.9792% | 3,110 |
| Return on assets (ROA) | 0.9792% | 3,117 |
| Pretax return on assets | 1.0433% | 3,535 |
| Return on Equity (ROE) | 10.7191% | 2,220 |
| Retained earnings to average equity (ytd only) | 4.2749% | 3,468 |
| Net charge-offs to loans | 0.0030% | 3,081 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 462.5000% | 194 |
| Efficiency ratio | 70.0550% | 2,305 |
| Assets per employee ($millions) | 4.4637% | 3,180 |
| Cash dividends to net income (ytd only)* | 60.1190% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,077 |
| Loan loss allowance to noncurrent loans | 799.1071% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 4,361 |
| Noncurrent loans to loans | 0.1651% | 4,166 |
| Net loans and leases to total assets | 76.9039% | 1,483 |
| Net loans and leases to deposits | 91.4611% | 1,649 |
| Net loans and leases to core deposits | 100.5974% | 1,683 |
| Total domestic deposits to total assets | 84.0837% | 3,033 |
| Equity capital to assets | 9.0938% | 4,485 |
| Core capital (leverage) ratio | 9.2575% | 4,411 |
| Tier 1 risk-based capital ratio | 11.6716% | 4,705 |
| Total risk-based capital ratio | 12.9225% | 4,582 |
| Memoranda: | ||
| Average total assets | $171,573,330 | 3,196 |
| Average earning assets | $160,543,000 | 3,182 |
| Average equity | $15,673,000 | 3,591 |
| Average total loans | $132,741,000 | 2,879 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,405 |
| Cost of funding earning assets | 0.7533% | 1,172 |
| Net interest margin | 3.2987% | 4,196 |
| Noninterest income to average assets | 0.4439% | 3,155 |
| Noninterest expense to average assets | 2.6562% | 3,171 |
| Loan and lease loss provision to assets | 0.0470% | 2,825 |
| Net operating income to assets | 0.7821% | 3,779 |
| Return on assets (ROA) | 0.7821% | 3,780 |
| Pretax return on assets | 0.8361% | 4,066 |
| Return on Equity (ROE) | 8.5417% | 3,133 |
| Retained earnings to average equity (ytd only) | -1.0773% | 4,917 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0498% | 1,741 |
| Assets per employee ($millions) | 4.5122% | 3,134 |
| Cash dividends to net income (ytd only)* | 112.6126% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,043 |
| Loan loss allowance to noncurrent loans | 758.2979% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,405 |
| Noncurrent loans to loans | 0.1771% | 4,177 |
| Net loans and leases to total assets | 76.3332% | 1,485 |
| Net loans and leases to deposits | 92.9455% | 1,342 |
| Net loans and leases to core deposits | 101.2024% | 1,596 |
| Total domestic deposits to total assets | 82.1269% | 3,921 |
| Equity capital to assets | 9.0136% | 4,540 |
| Core capital (leverage) ratio | 9.2812% | 4,345 |
| Tier 1 risk-based capital ratio | 11.5242% | 4,848 |
| Total risk-based capital ratio | 12.7750% | 4,742 |
| Memoranda: | ||
| Average total assets | $170,317,000 | 3,247 |
| Average earning assets | $159,822,500 | 3,223 |
| Average equity | $15,594,000 | 3,638 |
| Average total loans | $131,277,000 | 2,915 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,018 |
| Cost of funding earning assets | 0.6813% | 1,128 |
| Net interest margin | 3.4300% | 3,753 |
| Noninterest income to average assets | 0.5360% | 2,794 |
| Noninterest expense to average assets | 2.4093% | 4,052 |
| Loan and lease loss provision to assets | 0.0738% | 2,731 |
| Net operating income to assets | 1.2185% | 1,457 |
| Return on assets (ROA) | 1.2185% | 1,483 |
| Pretax return on assets | 1.2813% | 2,426 |
| Return on Equity (ROE) | 12.9507% | 962 |
| Retained earnings to average equity (ytd only) | 4.7747% | 2,274 |
| Net charge-offs to loans | -0.0008% | 4,485 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0020% | 3,605 |
| Assets per employee ($millions) | 4.5722% | 3,074 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,944 |
| Loan loss allowance to noncurrent loans | 713.3603% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,414 |
| Noncurrent loans to loans | 0.1902% | 4,155 |
| Net loans and leases to total assets | 75.7380% | 1,646 |
| Net loans and leases to deposits | 89.0933% | 1,886 |
| Net loans and leases to core deposits | 97.0005% | 1,949 |
| Total domestic deposits to total assets | 85.0098% | 2,831 |
| Equity capital to assets | 9.3001% | 4,427 |
| Core capital (leverage) ratio | 9.4695% | 4,087 |
| Tier 1 risk-based capital ratio | 11.8623% | 4,620 |
| Total risk-based capital ratio | 13.1131% | 4,509 |
| Memoranda: | ||
| Average total assets | $162,497,000 | 3,317 |
| Average earning assets | $152,942,400 | 3,283 |
| Average equity | $15,288,800 | 3,683 |
| Average total loans | $123,774,800 | 3,002 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,021 |
| Cost of funding earning assets | 0.6703% | 1,122 |
| Net interest margin | 3.4192% | 3,779 |
| Noninterest income to average assets | 0.5148% | 2,939 |
| Noninterest expense to average assets | 2.3586% | 4,123 |
| Loan and lease loss provision to assets | 0.0746% | 2,578 |
| Net operating income to assets | 1.2386% | 1,550 |
| Return on assets (ROA) | 1.2386% | 1,579 |
| Pretax return on assets | 1.3040% | 2,470 |
| Return on Equity (ROE) | 13.1241% | 1,028 |
| Retained earnings to average equity (ytd only) | 2.1435% | 4,577 |
| Net charge-offs to loans | -0.0011% | 4,274 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1100% | 3,690 |
| Assets per employee ($millions) | 4.5419% | 3,067 |
| Cash dividends to net income (ytd only)* | 83.6683% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,948 |
| Loan loss allowance to noncurrent loans | 668.7259% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,476 |
| Noncurrent loans to loans | 0.2074% | 4,247 |
| Net loans and leases to total assets | 75.3014% | 1,709 |
| Net loans and leases to deposits | 90.4418% | 1,753 |
| Net loans and leases to core deposits | 98.7718% | 1,820 |
| Total domestic deposits to total assets | 83.2594% | 3,376 |
| Equity capital to assets | 9.4601% | 4,481 |
| Core capital (leverage) ratio | 9.3304% | 4,369 |
| Tier 1 risk-based capital ratio | 12.2028% | 4,496 |
| Total risk-based capital ratio | 13.4543% | 4,388 |
| Memoranda: | ||
| Average total assets | $160,828,750 | 3,366 |
| Average earning assets | $151,570,500 | 3,336 |
| Average equity | $15,177,750 | 3,731 |
| Average total loans | $122,246,500 | 3,047 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,041 |
| Cost of funding earning assets | 0.6611% | 1,080 |
| Net interest margin | 3.3787% | 3,841 |
| Noninterest income to average assets | 0.4927% | 3,065 |
| Noninterest expense to average assets | 2.3534% | 4,201 |
| Loan and lease loss provision to assets | 0.0750% | 2,467 |
| Net operating income to assets | 1.1842% | 1,652 |
| Return on assets (ROA) | 1.1842% | 1,683 |
| Pretax return on assets | 1.2467% | 2,600 |
| Return on Equity (ROE) | 12.5588% | 1,153 |
| Retained earnings to average equity (ytd only) | -0.3713% | 5,141 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0354% | 3,659 |
| Assets per employee ($millions) | 4.6858% | 2,814 |
| Cash dividends to net income (ytd only)* | 102.9567% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,151 |
| Loan loss allowance to noncurrent loans | 632.3420% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 4,528 |
| Noncurrent loans to loans | 0.2142% | 4,263 |
| Net loans and leases to total assets | 75.5475% | 1,603 |
| Net loans and leases to deposits | 88.5191% | 1,925 |
| Net loans and leases to core deposits | 96.7093% | 1,912 |
| Total domestic deposits to total assets | 85.3461% | 2,674 |
| Equity capital to assets | 9.3028% | 4,619 |
| Core capital (leverage) ratio | 9.3472% | 4,302 |
| Tier 1 risk-based capital ratio | 11.5131% | 4,947 |
| Total risk-based capital ratio | 12.7640% | 4,842 |
| Memoranda: | ||
| Average total assets | $159,936,000 | 3,396 |
| Average earning assets | $150,648,000 | 3,359 |
| Average equity | $15,081,000 | 3,750 |
| Average total loans | $121,377,000 | 3,070 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 2,984 |
| Cost of funding earning assets | 0.6488% | 1,084 |
| Net interest margin | 3.3651% | 3,785 |
| Noninterest income to average assets | 0.5624% | 2,594 |
| Noninterest expense to average assets | 2.3635% | 4,218 |
| Loan and lease loss provision to assets | 0.0760% | 2,290 |
| Net operating income to assets | 1.2261% | 1,440 |
| Return on assets (ROA) | 1.2261% | 1,476 |
| Pretax return on assets | 1.2894% | 2,273 |
| Return on Equity (ROE) | 12.9127% | 1,016 |
| Retained earnings to average equity (ytd only) | -1.7608% | 5,151 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3832% | 3,932 |
| Assets per employee ($millions) | 4.4690% | 3,216 |
| Cash dividends to net income (ytd only)* | 113.6364% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,063 |
| Loan loss allowance to noncurrent loans | 551.4851% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,470 |
| Noncurrent loans to loans | 0.2543% | 4,201 |
| Net loans and leases to total assets | 75.1202% | 1,556 |
| Net loans and leases to deposits | 88.6786% | 1,712 |
| Net loans and leases to core deposits | 97.1709% | 1,736 |
| Total domestic deposits to total assets | 84.7106% | 3,210 |
| Equity capital to assets | 9.6071% | 4,176 |
| Core capital (leverage) ratio | 9.5410% | 4,070 |
| Tier 1 risk-based capital ratio | 11.9441% | 4,754 |
| Total risk-based capital ratio | 13.1954% | 4,656 |
| Memoranda: | ||
| Average total assets | $157,902,000 | 3,454 |
| Average earning assets | $148,582,500 | 3,416 |
| Average equity | $14,993,000 | 3,789 |
| Average total loans | $119,264,500 | 3,120 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,578 |
| Cost of funding earning assets | 0.6565% | 1,020 |
| Net interest margin | 3.5150% | 3,374 |
| Noninterest income to average assets | 0.6128% | 2,595 |
| Noninterest expense to average assets | 2.4551% | 4,145 |
| Loan and lease loss provision to assets | 0.0779% | 2,806 |
| Net operating income to assets | 1.3062% | 1,199 |
| Return on assets (ROA) | 1.3074% | 1,264 |
| Pretax return on assets | 1.3762% | 2,025 |
| Return on Equity (ROE) | 13.5005% | 878 |
| Retained earnings to average equity (ytd only) | 4.9873% | 2,353 |
| Net charge-offs to loans | 0.0061% | 4,042 |
| Credit loss provision to net charge-offs | 1,714.2857% | 255 |
| Earnings coverage of net charge-offs (x) | 319.7143% | 245 |
| Efficiency ratio | 62.8239% | 4,132 |
| Assets per employee ($millions) | 4.4274% | 3,226 |
| Cash dividends to net income (ytd only)* | 63.0586% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 2,197 |
| Loan loss allowance to noncurrent loans | 418.6224% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 4,321 |
| Noncurrent loans to loans | 0.3284% | 3,967 |
| Net loans and leases to total assets | 73.8556% | 1,871 |
| Net loans and leases to deposits | 88.1874% | 1,898 |
| Net loans and leases to core deposits | 96.3519% | 1,895 |
| Total domestic deposits to total assets | 83.7485% | 3,521 |
| Equity capital to assets | 9.3853% | 4,384 |
| Core capital (leverage) ratio | 9.5781% | 3,996 |
| Tier 1 risk-based capital ratio | 11.9023% | 4,794 |
| Total risk-based capital ratio | 13.1533% | 4,682 |
| Memoranda: | ||
| Average total assets | $154,045,000 | 3,458 |
| Average earning assets | $144,408,600 | 3,439 |
| Average equity | $14,918,000 | 3,818 |
| Average total loans | $114,392,800 | 3,150 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 2,521 |
| Cost of funding earning assets | 0.6557% | 1,028 |
| Net interest margin | 3.5428% | 3,303 |
| Noninterest income to average assets | 0.6278% | 2,531 |
| Noninterest expense to average assets | 2.4656% | 4,088 |
| Loan and lease loss provision to assets | 0.0786% | 2,648 |
| Net operating income to assets | 1.3351% | 1,197 |
| Return on assets (ROA) | 1.3367% | 1,280 |
| Pretax return on assets | 1.4066% | 2,017 |
| Return on Equity (ROE) | 13.6927% | 881 |
| Retained earnings to average equity (ytd only) | 2.3343% | 4,523 |
| Net charge-offs to loans | 0.0082% | 3,638 |
| Credit loss provision to net charge-offs | 1,285.7143% | 328 |
| Earnings coverage of net charge-offs (x) | 242.7953% | 325 |
| Efficiency ratio | 62.4364% | 4,152 |
| Assets per employee ($millions) | 4.2463% | 3,516 |
| Cash dividends to net income (ytd only)* | 82.9524% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,232 |
| Loan loss allowance to noncurrent loans | 496.9136% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 4,586 |
| Noncurrent loans to loans | 0.2803% | 4,260 |
| Net loans and leases to total assets | 74.5534% | 1,780 |
| Net loans and leases to deposits | 91.6811% | 1,538 |
| Net loans and leases to core deposits | 100.3195% | 1,606 |
| Total domestic deposits to total assets | 81.3182% | 4,164 |
| Equity capital to assets | 9.8721% | 4,276 |
| Core capital (leverage) ratio | 9.5081% | 4,169 |
| Tier 1 risk-based capital ratio | 11.8397% | 4,895 |
| Total risk-based capital ratio | 13.0904% | 4,791 |
| Memoranda: | ||
| Average total assets | $152,709,250 | 3,491 |
| Average earning assets | $143,160,750 | 3,474 |
| Average equity | $14,907,750 | 3,851 |
| Average total loans | $113,151,500 | 3,179 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,534 |
| Cost of funding earning assets | 0.6542% | 1,034 |
| Net interest margin | 3.5380% | 3,337 |
| Noninterest income to average assets | 0.5869% | 2,685 |
| Noninterest expense to average assets | 2.4670% | 4,130 |
| Loan and lease loss provision to assets | 0.0786% | 2,577 |
| Net operating income to assets | 1.2892% | 1,304 |
| Return on assets (ROA) | 1.2892% | 1,416 |
| Pretax return on assets | 1.3573% | 2,178 |
| Return on Equity (ROE) | 13.2555% | 967 |
| Retained earnings to average equity (ytd only) | -0.4850% | 5,365 |
| Net charge-offs to loans | -0.0036% | 4,462 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2091% | 4,154 |
| Assets per employee ($millions) | 4.1220% | 3,698 |
| Cash dividends to net income (ytd only)* | 103.6585% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 2,437 |
| Loan loss allowance to noncurrent loans | 461.9186% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 4,596 |
| Noncurrent loans to loans | 0.2966% | 4,307 |
| Net loans and leases to total assets | 75.0084% | 1,649 |
| Net loans and leases to deposits | 91.2913% | 1,594 |
| Net loans and leases to core deposits | 99.0219% | 1,721 |
| Total domestic deposits to total assets | 82.1637% | 3,953 |
| Equity capital to assets | 9.7964% | 4,454 |
| Core capital (leverage) ratio | 9.2538% | 4,518 |
| Tier 1 risk-based capital ratio | 11.5132% | 5,142 |
| Total risk-based capital ratio | 12.7639% | 5,029 |
| Memoranda: | ||
| Average total assets | $152,657,330 | 3,515 |
| Average earning assets | $143,076,330 | 3,494 |
| Average equity | $14,846,670 | 3,882 |
| Average total loans | $112,343,330 | 3,201 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,514 |
| Cost of funding earning assets | 0.6412% | 1,098 |
| Net interest margin | 3.5477% | 3,293 |
| Noninterest income to average assets | 0.6129% | 2,457 |
| Noninterest expense to average assets | 2.4462% | 4,237 |
| Loan and lease loss provision to assets | 0.0786% | 2,392 |
| Net operating income to assets | 1.3383% | 1,156 |
| Return on assets (ROA) | 1.3383% | 1,240 |
| Pretax return on assets | 1.4064% | 1,886 |
| Return on Equity (ROE) | 13.8113% | 872 |
| Retained earnings to average equity (ytd only) | -0.3784% | 5,185 |
| Net charge-offs to loans | -0.0036% | 4,213 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2252% | 4,420 |
| Assets per employee ($millions) | 4.2555% | 3,479 |
| Cash dividends to net income (ytd only)* | 102.7397% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 2,448 |
| Loan loss allowance to noncurrent loans | 437.9213% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 4,630 |
| Noncurrent loans to loans | 0.3186% | 4,289 |
| Net loans and leases to total assets | 71.9137% | 2,053 |
| Net loans and leases to deposits | 90.8005% | 1,486 |
| Net loans and leases to core deposits | 97.0969% | 1,700 |
| Total domestic deposits to total assets | 79.1996% | 4,922 |
| Equity capital to assets | 9.6600% | 4,492 |
| Core capital (leverage) ratio | 9.3868% | 4,368 |
| Tier 1 risk-based capital ratio | 11.6737% | 5,119 |
| Total risk-based capital ratio | 12.9242% | 5,033 |
| Memoranda: | ||
| Average total assets | $152,728,500 | 3,541 |
| Average earning assets | $142,855,000 | 3,512 |
| Average equity | $14,799,500 | 3,894 |
| Average total loans | $110,521,000 | 3,233 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 2,084 |
| Cost of funding earning assets | 0.6291% | 1,183 |
| Net interest margin | 3.7139% | 2,700 |
| Noninterest income to average assets | 0.6205% | 2,615 |
| Noninterest expense to average assets | 2.4972% | 4,232 |
| Loan and lease loss provision to assets | 0.1195% | 2,000 |
| Net operating income to assets | 1.3943% | 1,045 |
| Return on assets (ROA) | 1.3943% | 1,092 |
| Pretax return on assets | 1.4673% | 1,659 |
| Return on Equity (ROE) | 14.7354% | 729 |
| Retained earnings to average equity (ytd only) | 5.9334% | 1,831 |
| Net charge-offs to loans | 0.0166% | 3,950 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 132.8333% | 462 |
| Efficiency ratio | 61.1472% | 4,741 |
| Assets per employee ($millions) | 4.2294% | 3,522 |
| Cash dividends to net income (ytd only)* | 59.7335% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 2,438 |
| Loan loss allowance to noncurrent loans | 399.7382% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,590 |
| Noncurrent loans to loans | 0.3495% | 4,216 |
| Net loans and leases to total assets | 70.7910% | 2,251 |
| Net loans and leases to deposits | 89.3932% | 1,700 |
| Net loans and leases to core deposits | 95.2055% | 1,920 |
| Total domestic deposits to total assets | 79.1906% | 4,940 |
| Equity capital to assets | 9.7203% | 4,274 |
| Core capital (leverage) ratio | 9.3805% | 4,355 |
| Tier 1 risk-based capital ratio | 11.5095% | 5,249 |
| Total risk-based capital ratio | 12.7453% | 5,160 |
| Memoranda: | ||
| Average total assets | $150,689,600 | 3,562 |
| Average earning assets | $140,526,200 | 3,534 |
| Average equity | $14,258,200 | 3,939 |
| Average total loans | $108,396,600 | 3,231 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,070 |
| Cost of funding earning assets | 0.6281% | 1,229 |
| Net interest margin | 3.7237% | 2,666 |
| Noninterest income to average assets | 0.6139% | 2,669 |
| Noninterest expense to average assets | 2.4777% | 4,263 |
| Loan and lease loss provision to assets | 0.1198% | 1,904 |
| Net operating income to assets | 1.4132% | 1,080 |
| Return on assets (ROA) | 1.4132% | 1,125 |
| Pretax return on assets | 1.4877% | 1,716 |
| Return on Equity (ROE) | 15.0392% | 722 |
| Retained earnings to average equity (ytd only) | 3.1910% | 4,191 |
| Net charge-offs to loans | -0.0616% | 5,611 |
| Credit loss provision to net charge-offs | -270.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6515% | 4,798 |
| Assets per employee ($millions) | 4.3215% | 3,284 |
| Cash dividends to net income (ytd only)* | 78.7820% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 2,427 |
| Loan loss allowance to noncurrent loans | 302.9297% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 4,424 |
| Noncurrent loans to loans | 0.4739% | 3,941 |
| Net loans and leases to total assets | 70.4048% | 2,329 |
| Net loans and leases to deposits | 89.2188% | 1,745 |
| Net loans and leases to core deposits | 95.8885% | 1,895 |
| Total domestic deposits to total assets | 78.9125% | 4,999 |
| Equity capital to assets | 9.4386% | 4,832 |
| Core capital (leverage) ratio | 9.1800% | 4,760 |
| Tier 1 risk-based capital ratio | 10.1741% | 5,991 |
| Total risk-based capital ratio | 11.3248% | 5,970 |
| Memoranda: | ||
| Average total assets | $150,297,500 | 3,597 |
| Average earning assets | $140,108,250 | 3,572 |
| Average equity | $14,122,750 | 3,995 |
| Average total loans | $108,167,750 | 3,260 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 1,895 |
| Cost of funding earning assets | 0.6319% | 1,220 |
| Net interest margin | 3.7555% | 2,497 |
| Noninterest income to average assets | 0.6601% | 2,418 |
| Noninterest expense to average assets | 2.5350% | 4,119 |
| Loan and lease loss provision to assets | 0.1200% | 1,843 |
| Net operating income to assets | 1.4322% | 1,031 |
| Return on assets (ROA) | 1.4322% | 1,067 |
| Pretax return on assets | 1.5082% | 1,625 |
| Return on Equity (ROE) | 15.2647% | 701 |
| Retained earnings to average equity (ytd only) | 0.6964% | 5,279 |
| Net charge-offs to loans | -0.0018% | 4,585 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8905% | 4,848 |
| Assets per employee ($millions) | 3.9466% | 3,987 |
| Cash dividends to net income (ytd only)* | 95.4376% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 2,959 |
| Loan loss allowance to noncurrent loans | 437.5375% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,979 |
| Noncurrent loans to loans | 0.3097% | 4,582 |
| Net loans and leases to total assets | 70.7145% | 2,206 |
| Net loans and leases to deposits | 86.6282% | 1,987 |
| Net loans and leases to core deposits | 90.9443% | 2,251 |
| Total domestic deposits to total assets | 81.6299% | 4,411 |
| Equity capital to assets | 9.2324% | 4,977 |
| Core capital (leverage) ratio | 8.8771% | 5,121 |
| Tier 1 risk-based capital ratio | 9.9968% | 6,091 |
| Total risk-based capital ratio | 11.0817% | 6,088 |
| Memoranda: | ||
| Average total assets | $149,979,670 | 3,630 |
| Average earning assets | $139,901,000 | 3,604 |
| Average equity | $14,071,670 | 4,034 |
| Average total loans | $108,210,670 | 3,283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 1,771 |
| Cost of funding earning assets | 0.6233% | 1,281 |
| Net interest margin | 3.7769% | 2,314 |
| Noninterest income to average assets | 0.6854% | 2,226 |
| Noninterest expense to average assets | 2.4696% | 4,370 |
| Loan and lease loss provision to assets | 0.1200% | 1,727 |
| Net operating income to assets | 1.5548% | 771 |
| Return on assets (ROA) | 1.5548% | 813 |
| Pretax return on assets | 1.6348% | 1,181 |
| Return on Equity (ROE) | 16.4405% | 524 |
| Retained earnings to average equity (ytd only) | 2.3406% | 4,519 |
| Net charge-offs to loans | 0.0037% | 3,191 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 76 |
| Efficiency ratio | 58.4596% | 5,289 |
| Assets per employee ($millions) | 4.3207% | 3,340 |
| Cash dividends to net income (ytd only)* | 85.7633% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,420 |
| Loan loss allowance to noncurrent loans | 415.9292% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 5,038 |
| Noncurrent loans to loans | 0.3118% | 4,674 |
| Net loans and leases to total assets | 70.9575% | 1,987 |
| Net loans and leases to deposits | 85.6404% | 1,881 |
| Net loans and leases to core deposits | 89.9997% | 2,132 |
| Total domestic deposits to total assets | 82.8551% | 4,216 |
| Equity capital to assets | 9.4417% | 4,817 |
| Core capital (leverage) ratio | 9.0073% | 4,942 |
| Tier 1 risk-based capital ratio | 9.7931% | 6,217 |
| Total risk-based capital ratio | 10.8191% | 6,239 |
| Memoranda: | ||
| Average total assets | $149,983,500 | 3,655 |
| Average earning assets | $140,537,000 | 3,616 |
| Average equity | $14,184,500 | 4,047 |
| Average total loans | $108,561,500 | 3,287 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 2,220 |
| Cost of funding earning assets | 0.7147% | 1,032 |
| Net interest margin | 3.6863% | 3,058 |
| Noninterest income to average assets | 0.6291% | 2,685 |
| Noninterest expense to average assets | 2.5019% | 4,543 |
| Loan and lease loss provision to assets | 0.0755% | 2,965 |
| Net operating income to assets | 1.4137% | 1,055 |
| Return on assets (ROA) | 1.4209% | 1,066 |
| Pretax return on assets | 1.4951% | 1,560 |
| Return on Equity (ROE) | 15.6217% | 676 |
| Retained earnings to average equity (ytd only) | 9.5814% | 588 |
| Net charge-offs to loans | -0.0154% | 5,650 |
| Credit loss provision to net charge-offs | -687.5000% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5476% | 4,984 |
| Assets per employee ($millions) | 4.0201% | 3,907 |
| Cash dividends to net income (ytd only)* | 38.6660% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 3,665 |
| Loan loss allowance to noncurrent loans | 389.1738% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 5,081 |
| Noncurrent loans to loans | 0.3238% | 4,679 |
| Net loans and leases to total assets | 71.9646% | 1,917 |
| Net loans and leases to deposits | 87.1267% | 1,833 |
| Net loans and leases to core deposits | 91.9479% | 2,094 |
| Total domestic deposits to total assets | 82.5976% | 4,216 |
| Equity capital to assets | 9.4733% | 4,747 |
| Core capital (leverage) ratio | 9.0232% | 4,960 |
| Tier 1 risk-based capital ratio | 10.8439% | 5,971 |
| Total risk-based capital ratio | 11.9514% | 5,963 |
| Memoranda: | ||
| Average total assets | $145,609,400 | 3,698 |
| Average earning assets | $135,719,800 | 3,663 |
| Average equity | $13,244,400 | 4,147 |
| Average total loans | $104,175,800 | 3,340 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 2,267 |
| Cost of funding earning assets | 0.7356% | 960 |
| Net interest margin | 3.6513% | 3,217 |
| Noninterest income to average assets | 0.6122% | 2,795 |
| Noninterest expense to average assets | 2.5372% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4017% | 1,130 |
| Return on assets (ROA) | 1.4113% | 1,149 |
| Pretax return on assets | 1.4850% | 1,693 |
| Return on Equity (ROE) | 15.6832% | 720 |
| Retained earnings to average equity (ytd only) | 7.4989% | 1,577 |
| Net charge-offs to loans | -0.0207% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2400% | 4,677 |
| Assets per employee ($millions) | 4.0801% | 3,707 |
| Cash dividends to net income (ytd only)* | 52.1852% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,311 |
| Loan loss allowance to noncurrent loans | 299.0476% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 5,123 |
| Noncurrent loans to loans | 0.3962% | 4,723 |
| Net loans and leases to total assets | 71.3177% | 1,970 |
| Net loans and leases to deposits | 89.0721% | 1,546 |
| Net loans and leases to core deposits | 94.3246% | 1,827 |
| Total domestic deposits to total assets | 80.0674% | 5,081 |
| Equity capital to assets | 9.2515% | 5,082 |
| Core capital (leverage) ratio | 8.7909% | 5,349 |
| Tier 1 risk-based capital ratio | 10.6381% | 6,161 |
| Total risk-based capital ratio | 11.6787% | 6,183 |
| Memoranda: | ||
| Average total assets | $144,825,750 | 3,746 |
| Average earning assets | $134,851,000 | 3,712 |
| Average equity | $13,032,750 | 4,213 |
| Average total loans | $103,117,500 | 3,385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,439 |
| Cost of funding earning assets | 0.7557% | 900 |
| Net interest margin | 3.5816% | 3,439 |
| Noninterest income to average assets | 0.6327% | 2,645 |
| Noninterest expense to average assets | 2.5170% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3772% | 1,120 |
| Return on assets (ROA) | 1.3917% | 1,129 |
| Pretax return on assets | 1.4652% | 1,655 |
| Return on Equity (ROE) | 15.6141% | 695 |
| Retained earnings to average equity (ytd only) | 7.0520% | 1,742 |
| Net charge-offs to loans | -0.0176% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4488% | 4,779 |
| Assets per employee ($millions) | 3.7857% | 4,286 |
| Cash dividends to net income (ytd only)* | 54.8355% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 4,382 |
| Loan loss allowance to noncurrent loans | 300.9639% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 5,214 |
| Noncurrent loans to loans | 0.4019% | 4,783 |
| Net loans and leases to total assets | 70.9042% | 1,928 |
| Net loans and leases to deposits | 86.2084% | 1,802 |
| Net loans and leases to core deposits | 91.4421% | 1,984 |
| Total domestic deposits to total assets | 82.2475% | 4,570 |
| Equity capital to assets | 9.2155% | 5,087 |
| Core capital (leverage) ratio | 8.7758% | 5,296 |
| Tier 1 risk-based capital ratio | 10.4897% | 6,254 |
| Total risk-based capital ratio | 11.5328% | 6,268 |
| Memoranda: | ||
| Average total assets | $144,139,330 | 3,779 |
| Average earning assets | $134,184,670 | 3,741 |
| Average equity | $12,847,330 | 4,255 |
| Average total loans | $102,153,000 | 3,413 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,446 |
| Cost of funding earning assets | 0.7548% | 953 |
| Net interest margin | 3.5651% | 3,408 |
| Noninterest income to average assets | 0.7153% | 2,100 |
| Noninterest expense to average assets | 2.4563% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4943% | 828 |
| Return on assets (ROA) | 1.4943% | 856 |
| Pretax return on assets | 1.5719% | 1,231 |
| Return on Equity (ROE) | 17.0536% | 529 |
| Retained earnings to average equity (ytd only) | 17.0536% | 220 |
| Net charge-offs to loans | -0.0354% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9773% | 5,267 |
| Assets per employee ($millions) | 4.0127% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,339 |
| Loan loss allowance to noncurrent loans | 2,116.9492% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 6,167 |
| Noncurrent loans to loans | 0.0594% | 5,975 |
| Net loans and leases to total assets | 67.9023% | 2,236 |
| Net loans and leases to deposits | 79.9304% | 2,298 |
| Net loans and leases to core deposits | 84.2089% | 2,490 |
| Total domestic deposits to total assets | 84.9518% | 3,893 |
| Equity capital to assets | 9.0200% | 5,099 |
| Core capital (leverage) ratio | 8.9080% | 5,126 |
| Tier 1 risk-based capital ratio | 10.8891% | 6,201 |
| Total risk-based capital ratio | 11.9646% | 6,228 |
| Memoranda: | ||
| Average total assets | $144,281,000 | 3,800 |
| Average earning assets | $134,077,000 | 3,766 |
| Average equity | $12,642,500 | 4,313 |
| Average total loans | $101,605,000 | 3,435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,858 |
| Cost of funding earning assets | 0.8328% | 1,029 |
| Net interest margin | 3.7735% | 2,746 |
| Noninterest income to average assets | 0.8000% | 2,081 |
| Noninterest expense to average assets | 2.6732% | 4,202 |
| Loan and lease loss provision to assets | 1.3943% | 110 |
| Net operating income to assets | 0.2480% | 5,696 |
| Return on assets (ROA) | 0.2568% | 5,743 |
| Pretax return on assets | 0.2630% | 5,819 |
| Return on Equity (ROE) | 2.8390% | 5,566 |
| Retained earnings to average equity (ytd only) | -4.9454% | 6,366 |
| Net charge-offs to loans | 1.9989% | 192 |
| Credit loss provision to net charge-offs | 99.2141% | 2,500 |
| Earnings coverage of net charge-offs (x) | 1.1729% | 4,676 |
| Efficiency ratio | 61.8591% | 5,239 |
| Assets per employee ($millions) | 4.1173% | 3,607 |
| Cash dividends to net income (ytd only)* | 274.1935% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,691 |
| Loan loss allowance to noncurrent loans | 1,747.8873% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 6,226 |
| Noncurrent loans to loans | 0.0684% | 6,016 |
| Net loans and leases to total assets | 71.2191% | 1,805 |
| Net loans and leases to deposits | 88.8865% | 1,361 |
| Net loans and leases to core deposits | 93.0775% | 1,671 |
| Total domestic deposits to total assets | 80.1237% | 5,421 |
| Equity capital to assets | 8.5042% | 5,578 |
| Core capital (leverage) ratio | 8.4869% | 5,690 |
| Tier 1 risk-based capital ratio | 10.0040% | 6,519 |
| Total risk-based capital ratio | 11.0295% | 6,529 |
| Memoranda: | ||
| Average total assets | $144,880,000 | 3,788 |
| Average earning assets | $135,205,800 | 3,733 |
| Average equity | $13,103,000 | 4,246 |
| Average total loans | $101,857,200 | 3,402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 1,828 |
| Cost of funding earning assets | 0.8468% | 1,068 |
| Net interest margin | 3.7740% | 2,733 |
| Noninterest income to average assets | 0.8556% | 1,915 |
| Noninterest expense to average assets | 2.6882% | 4,065 |
| Loan and lease loss provision to assets | 1.8565% | 47 |
| Net operating income to assets | -0.1485% | 6,431 |
| Return on assets (ROA) | -0.1379% | 6,451 |
| Pretax return on assets | -0.1544% | 6,444 |
| Return on Equity (ROE) | -1.5021% | 6,454 |
| Retained earnings to average equity (ytd only) | -11.7158% | 6,669 |
| Net charge-offs to loans | 2.7560% | 95 |
| Credit loss provision to net charge-offs | 96.4200% | 2,476 |
| Earnings coverage of net charge-offs (x) | 0.8778% | 4,559 |
| Efficiency ratio | 61.3980% | 5,215 |
| Assets per employee ($millions) | 3.9683% | 3,898 |
| Cash dividends to net income (ytd only)* | -679.9850% | 6,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,116 |
| Loan loss allowance to noncurrent loans | 1,736.7647% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 6,322 |
| Noncurrent loans to loans | 0.0663% | 6,140 |
| Net loans and leases to total assets | 70.9870% | 1,781 |
| Net loans and leases to deposits | 87.2962% | 1,459 |
| Net loans and leases to core deposits | 92.7348% | 1,700 |
| Total domestic deposits to total assets | 81.3174% | 5,127 |
| Equity capital to assets | 8.3074% | 5,909 |
| Core capital (leverage) ratio | 7.9833% | 6,234 |
| Tier 1 risk-based capital ratio | 9.5891% | 6,672 |
| Total risk-based capital ratio | 10.5667% | 6,682 |
| Memoranda: | ||
| Average total assets | $145,073,500 | 3,824 |
| Average earning assets | $135,415,500 | 3,772 |
| Average equity | $13,315,000 | 4,247 |
| Average total loans | $101,353,500 | 3,445 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 1,712 |
| Cost of funding earning assets | 0.8575% | 1,102 |
| Net interest margin | 3.7873% | 2,603 |
| Noninterest income to average assets | 0.9313% | 1,716 |
| Noninterest expense to average assets | 2.5581% | 4,533 |
| Loan and lease loss provision to assets | 0.1646% | 2,271 |
| Net operating income to assets | 1.6556% | 678 |
| Return on assets (ROA) | 1.6556% | 746 |
| Pretax return on assets | 1.7406% | 1,034 |
| Return on Equity (ROE) | 17.4961% | 509 |
| Retained earnings to average equity (ytd only) | 2.7107% | 4,588 |
| Net charge-offs to loans | -0.0059% | 5,664 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3141% | 5,824 |
| Assets per employee ($millions) | 3.8509% | 4,109 |
| Cash dividends to net income (ytd only)* | 84.5070% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,309 |
| Loan loss allowance to noncurrent loans | 140.5708% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 4,540 |
| Noncurrent loans to loans | 0.9539% | 4,021 |
| Net loans and leases to total assets | 69.3363% | 2,011 |
| Net loans and leases to deposits | 83.0698% | 1,920 |
| Net loans and leases to core deposits | 88.6993% | 2,035 |
| Total domestic deposits to total assets | 83.4675% | 4,516 |
| Equity capital to assets | 8.9295% | 5,295 |
| Core capital (leverage) ratio | 8.7628% | 5,341 |
| Tier 1 risk-based capital ratio | 9.7095% | 6,694 |
| Total risk-based capital ratio | 10.7441% | 6,705 |
| Memoranda: | ||
| Average total assets | $145,811,330 | 3,843 |
| Average earning assets | $135,979,000 | 3,790 |
| Average equity | $13,797,330 | 4,192 |
| Average total loans | $100,940,330 | 3,460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 1,678 |
| Cost of funding earning assets | 0.8527% | 1,238 |
| Net interest margin | 3.7959% | 2,465 |
| Noninterest income to average assets | 0.8987% | 1,761 |
| Noninterest expense to average assets | 2.4981% | 4,762 |
| Loan and lease loss provision to assets | 0.1786% | 2,079 |
| Net operating income to assets | 1.6847% | 605 |
| Return on assets (ROA) | 1.6847% | 665 |
| Pretax return on assets | 1.7699% | 938 |
| Return on Equity (ROE) | 17.3133% | 486 |
| Retained earnings to average equity (ytd only) | 3.1915% | 4,341 |
| Net charge-offs to loans | -0.0080% | 5,373 |
| Credit loss provision to net charge-offs | -3,250.0000% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1805% | 6,047 |
| Assets per employee ($millions) | 3.9197% | 4,119 |
| Cash dividends to net income (ytd only)* | 81.5661% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 4,582 |
| Loan loss allowance to noncurrent loans | 1,260.0000% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,384 |
| Noncurrent loans to loans | 0.1050% | 6,165 |
| Net loans and leases to total assets | 68.0117% | 2,005 |
| Net loans and leases to deposits | 80.5758% | 2,010 |
| Net loans and leases to core deposits | 85.8354% | 2,120 |
| Total domestic deposits to total assets | 84.4071% | 4,310 |
| Equity capital to assets | 9.7526% | 4,496 |
| Core capital (leverage) ratio | 8.9149% | 5,035 |
| Tier 1 risk-based capital ratio | 9.8999% | 6,707 |
| Total risk-based capital ratio | 10.9177% | 6,722 |
| Memoranda: | ||
| Average total assets | $145,549,000 | 3,887 |
| Average earning assets | $136,041,000 | 3,827 |
| Average equity | $14,162,500 | 4,166 |
| Average total loans | $99,989,000 | 3,504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 1,446 |
| Cost of funding earning assets | 0.9579% | 1,597 |
| Net interest margin | 4.0878% | 2,050 |
| Noninterest income to average assets | 0.9466% | 1,716 |
| Noninterest expense to average assets | 2.5943% | 4,763 |
| Loan and lease loss provision to assets | 0.2093% | 3,052 |
| Net operating income to assets | 1.7539% | 554 |
| Return on assets (ROA) | 1.8368% | 540 |
| Pretax return on assets | 1.9393% | 683 |
| Return on Equity (ROE) | 18.7691% | 375 |
| Retained earnings to average equity (ytd only) | 3.7638% | 3,564 |
| Net charge-offs to loans | 0.0022% | 5,961 |
| Credit loss provision to net charge-offs | 15,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,477.5000% | 19 |
| Efficiency ratio | 55.7237% | 6,084 |
| Assets per employee ($millions) | 4.0575% | 3,841 |
| Cash dividends to net income (ytd only)* | 79.9468% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,844 |
| Loan loss allowance to noncurrent loans | 5,460.8696% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 6,637 |
| Noncurrent loans to loans | 0.0230% | 6,469 |
| Net loans and leases to total assets | 67.6135% | 2,258 |
| Net loans and leases to deposits | 81.1782% | 2,126 |
| Net loans and leases to core deposits | 85.0921% | 2,414 |
| Total domestic deposits to total assets | 83.2902% | 4,605 |
| Equity capital to assets | 9.7084% | 4,579 |
| Core capital (leverage) ratio | 8.8417% | 5,112 |
| Tier 1 risk-based capital ratio | 9.8627% | 6,734 |
| Total risk-based capital ratio | 10.8339% | 6,776 |
| Memoranda: | ||
| Average total assets | $143,350,200 | 3,889 |
| Average earning assets | $130,070,600 | 3,892 |
| Average equity | $14,028,400 | 4,153 |
| Average total loans | $91,831,400 | 3,699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 1,696 |
| Cost of funding earning assets | 0.9857% | 1,649 |
| Net interest margin | 4.0136% | 2,455 |
| Noninterest income to average assets | 0.9588% | 1,642 |
| Noninterest expense to average assets | 2.5550% | 4,900 |
| Loan and lease loss provision to assets | 0.1869% | 3,252 |
| Net operating income to assets | 1.7375% | 644 |
| Return on assets (ROA) | 1.8485% | 589 |
| Pretax return on assets | 1.9448% | 785 |
| Return on Equity (ROE) | 18.8508% | 409 |
| Retained earnings to average equity (ytd only) | 8.3199% | 1,485 |
| Net charge-offs to loans | -0.0015% | 6,193 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9100% | 6,066 |
| Assets per employee ($millions) | 4.0438% | 3,783 |
| Cash dividends to net income (ytd only)* | 55.8646% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,256 |
| Loan loss allowance to noncurrent loans | 282.6829% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,997 |
| Noncurrent loans to loans | 0.4260% | 5,598 |
| Net loans and leases to total assets | 65.3095% | 2,776 |
| Net loans and leases to deposits | 80.9955% | 2,251 |
| Net loans and leases to core deposits | 85.2362% | 2,558 |
| Total domestic deposits to total assets | 80.6335% | 5,474 |
| Equity capital to assets | 10.0126% | 4,477 |
| Core capital (leverage) ratio | 9.1274% | 4,870 |
| Tier 1 risk-based capital ratio | 10.4717% | 6,675 |
| Total risk-based capital ratio | 11.3982% | 6,739 |
| Memoranda: | ||
| Average total assets | $142,670,250 | 3,944 |
| Average earning assets | $128,359,500 | 3,974 |
| Average equity | $13,990,250 | 4,194 |
| Average total loans | $89,784,500 | 3,795 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 1,745 |
| Cost of funding earning assets | 1.0233% | 1,625 |
| Net interest margin | 3.9918% | 2,538 |
| Noninterest income to average assets | 1.0303% | 1,378 |
| Noninterest expense to average assets | 2.5151% | 5,089 |
| Loan and lease loss provision to assets | 0.1764% | 3,337 |
| Net operating income to assets | 1.8073% | 556 |
| Return on assets (ROA) | 1.8475% | 582 |
| Pretax return on assets | 1.9435% | 777 |
| Return on Equity (ROE) | 18.9779% | 416 |
| Retained earnings to average equity (ytd only) | 7.3070% | 1,950 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7634% | 6,245 |
| Assets per employee ($millions) | 4.0684% | 3,724 |
| Cash dividends to net income (ytd only)* | 61.4973% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,394 |
| Loan loss allowance to noncurrent loans | 255.4245% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 6,044 |
| Noncurrent loans to loans | 0.4667% | 5,600 |
| Net loans and leases to total assets | 61.2914% | 3,574 |
| Net loans and leases to deposits | 72.5615% | 3,524 |
| Net loans and leases to core deposits | 79.7187% | 3,256 |
| Total domestic deposits to total assets | 84.4682% | 4,113 |
| Equity capital to assets | 9.6401% | 4,849 |
| Core capital (leverage) ratio | 8.7193% | 5,346 |
| Tier 1 risk-based capital ratio | 10.3234% | 6,750 |
| Total risk-based capital ratio | 11.2016% | 6,823 |
| Memoranda: | ||
| Average total assets | $141,701,670 | 3,977 |
| Average earning assets | $126,459,000 | 4,023 |
| Average equity | $13,795,000 | 4,234 |
| Average total loans | $87,634,670 | 3,865 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 1,470 |
| Cost of funding earning assets | 1.0717% | 1,540 |
| Net interest margin | 4.0660% | 2,229 |
| Noninterest income to average assets | 0.9790% | 1,482 |
| Noninterest expense to average assets | 2.4088% | 5,442 |
| Loan and lease loss provision to assets | 0.2727% | 2,278 |
| Net operating income to assets | 1.7973% | 599 |
| Return on assets (ROA) | 1.7973% | 670 |
| Pretax return on assets | 1.8920% | 891 |
| Return on Equity (ROE) | 18.3672% | 511 |
| Retained earnings to average equity (ytd only) | 6.4843% | 2,696 |
| Net charge-offs to loans | -0.0046% | 5,784 |
| Credit loss provision to net charge-offs | -9,500.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6679% | 6,479 |
| Assets per employee ($millions) | 4.0364% | 3,927 |
| Cash dividends to net income (ytd only)* | 64.6965% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,475 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 6,132 |
| Noncurrent loans to loans | 0.5038% | 5,666 |
| Net loans and leases to total assets | 59.6496% | 3,742 |
| Net loans and leases to deposits | 70.5284% | 3,647 |
| Net loans and leases to core deposits | 75.6293% | 3,667 |
| Total domestic deposits to total assets | 84.5753% | 4,238 |
| Equity capital to assets | 9.4445% | 4,878 |
| Core capital (leverage) ratio | 8.9306% | 4,943 |
| Tier 1 risk-based capital ratio | 10.7402% | 6,647 |
| Total risk-based capital ratio | 11.6496% | 6,763 |
| Memoranda: | ||
| Average total assets | $139,322,000 | 4,047 |
| Average earning assets | $123,169,000 | 4,133 |
| Average equity | $13,633,000 | 4,271 |
| Average total loans | $86,026,500 | 3,938 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 1,607 |
| Cost of funding earning assets | 1.3157% | 1,412 |
| Net interest margin | 4.0200% | 2,790 |
| Noninterest income to average assets | 0.8093% | 2,008 |
| Noninterest expense to average assets | 2.8612% | 4,121 |
| Loan and lease loss provision to assets | 0.0506% | 5,957 |
| Net operating income to assets | 1.4613% | 903 |
| Return on assets (ROA) | 1.4613% | 978 |
| Pretax return on assets | 1.5399% | 1,366 |
| Return on Equity (ROE) | 14.8986% | 757 |
| Retained earnings to average equity (ytd only) | 1.7691% | 4,953 |
| Net charge-offs to loans | 0.0132% | 6,249 |
| Credit loss provision to net charge-offs | 590.9091% | 386 |
| Earnings coverage of net charge-offs (x) | 185.8182% | 185 |
| Efficiency ratio | 64.2720% | 5,077 |
| Assets per employee ($millions) | 3.6036% | 4,762 |
| Cash dividends to net income (ytd only)* | 88.1257% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,674 |
| Loan loss allowance to noncurrent loans | 215.2809% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,338 |
| Noncurrent loans to loans | 0.5277% | 5,658 |
| Net loans and leases to total assets | 62.5229% | 3,502 |
| Net loans and leases to deposits | 76.8748% | 3,025 |
| Net loans and leases to core deposits | 82.3485% | 3,128 |
| Total domestic deposits to total assets | 81.3308% | 5,352 |
| Equity capital to assets | 10.1566% | 3,965 |
| Core capital (leverage) ratio | 9.4882% | 4,044 |
| Tier 1 risk-based capital ratio | 11.0678% | 6,419 |
| Total risk-based capital ratio | 11.9349% | 6,582 |
| Memoranda: | ||
| Average total assets | $128,511,400 | 4,206 |
| Average earning assets | $116,443,400 | 4,224 |
| Average equity | $12,605,200 | 4,417 |
| Average total loans | $83,628,000 | 4,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 1,707 |
| Cost of funding earning assets | 1.3788% | 1,325 |
| Net interest margin | 3.9633% | 3,085 |
| Noninterest income to average assets | 0.8138% | 1,984 |
| Noninterest expense to average assets | 2.8466% | 4,158 |
| Loan and lease loss provision to assets | 0.0367% | 5,978 |
| Net operating income to assets | 1.4725% | 1,003 |
| Return on assets (ROA) | 1.4725% | 1,084 |
| Pretax return on assets | 1.5490% | 1,522 |
| Return on Equity (ROE) | 15.1533% | 818 |
| Retained earnings to average equity (ytd only) | -2.6836% | 6,382 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2250% | 5,030 |
| Assets per employee ($millions) | 3.3683% | 5,322 |
| Cash dividends to net income (ytd only)* | 117.7097% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,703 |
| Loan loss allowance to noncurrent loans | 202.3707% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 5,202 |
| Noncurrent loans to loans | 0.5659% | 5,737 |
| Net loans and leases to total assets | 65.0327% | 3,098 |
| Net loans and leases to deposits | 79.1757% | 2,779 |
| Net loans and leases to core deposits | 84.3514% | 3,014 |
| Total domestic deposits to total assets | 82.1372% | 5,038 |
| Equity capital to assets | 10.4832% | 3,728 |
| Core capital (leverage) ratio | 9.3023% | 4,452 |
| Tier 1 risk-based capital ratio | 10.9693% | 6,558 |
| Total risk-based capital ratio | 11.8455% | 6,722 |
| Memoranda: | ||
| Average total assets | $127,306,250 | 4,248 |
| Average earning assets | $116,229,500 | 4,244 |
| Average equity | $12,371,000 | 4,475 |
| Average total loans | $83,454,750 | 4,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 1,870 |
| Cost of funding earning assets | 1.4415% | 1,221 |
| Net interest margin | 3.8640% | 3,473 |
| Noninterest income to average assets | 0.8814% | 1,710 |
| Noninterest expense to average assets | 2.8284% | 4,318 |
| Loan and lease loss provision to assets | 0.0546% | 5,635 |
| Net operating income to assets | 1.4415% | 996 |
| Return on assets (ROA) | 1.4415% | 1,055 |
| Pretax return on assets | 1.5195% | 1,472 |
| Return on Equity (ROE) | 15.2228% | 759 |
| Retained earnings to average equity (ytd only) | -8.7482% | 6,811 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2452% | 5,191 |
| Assets per employee ($millions) | 3.5616% | 4,780 |
| Cash dividends to net income (ytd only)* | 157.4675% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,774 |
| Loan loss allowance to noncurrent loans | 194.4099% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 5,215 |
| Noncurrent loans to loans | 0.5893% | 5,750 |
| Net loans and leases to total assets | 63.1965% | 3,642 |
| Net loans and leases to deposits | 76.6650% | 3,347 |
| Net loans and leases to core deposits | 83.1193% | 3,349 |
| Total domestic deposits to total assets | 82.4320% | 5,007 |
| Equity capital to assets | 9.6759% | 4,572 |
| Core capital (leverage) ratio | 8.9161% | 4,851 |
| Tier 1 risk-based capital ratio | 10.7267% | 6,696 |
| Total risk-based capital ratio | 11.6047% | 6,839 |
| Memoranda: | ||
| Average total assets | $128,199,000 | 4,266 |
| Average earning assets | $116,822,330 | 4,256 |
| Average equity | $12,139,670 | 4,521 |
| Average total loans | $83,943,670 | 4,098 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 2,051 |
| Cost of funding earning assets | 1.4692% | 1,300 |
| Net interest margin | 3.7805% | 3,703 |
| Noninterest income to average assets | 0.9143% | 1,606 |
| Noninterest expense to average assets | 2.7740% | 4,549 |
| Loan and lease loss provision to assets | 0.0624% | 5,210 |
| Net operating income to assets | 1.4603% | 962 |
| Return on assets (ROA) | 1.4603% | 997 |
| Pretax return on assets | 1.5383% | 1,330 |
| Return on Equity (ROE) | 15.5916% | 726 |
| Retained earnings to average equity (ytd only) | -16.8909% | 7,089 |
| Net charge-offs to loans | -0.0094% | 6,350 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4094% | 5,457 |
| Assets per employee ($millions) | 3.4242% | 5,179 |
| Cash dividends to net income (ytd only)* | 208.3333% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,954 |
| Loan loss allowance to noncurrent loans | 184.8303% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 5,152 |
| Noncurrent loans to loans | 0.6088% | 5,818 |
| Net loans and leases to total assets | 64.2217% | 3,399 |
| Net loans and leases to deposits | 77.7553% | 3,104 |
| Net loans and leases to core deposits | 83.5553% | 3,227 |
| Total domestic deposits to total assets | 82.5947% | 5,072 |
| Equity capital to assets | 9.4170% | 4,544 |
| Core capital (leverage) ratio | 9.0947% | 4,457 |
| Tier 1 risk-based capital ratio | 10.8340% | 6,619 |
| Total risk-based capital ratio | 11.7066% | 6,818 |
| Memoranda: | ||
| Average total assets | $128,190,500 | 4,303 |
| Average earning assets | $117,339,500 | 4,271 |
| Average equity | $12,006,500 | 4,548 |
| Average total loans | $84,932,000 | 4,110 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9536% | 937 |
| Cost of funding earning assets | 2.0131% | 581 |
| Net interest margin | 3.9405% | 3,302 |
| Noninterest income to average assets | 1.2488% | 955 |
| Noninterest expense to average assets | 3.0689% | 3,592 |
| Loan and lease loss provision to assets | 0.2122% | 5,133 |
| Net operating income to assets | 1.4863% | 788 |
| Return on assets (ROA) | 1.4871% | 849 |
| Pretax return on assets | 1.5679% | 1,209 |
| Return on Equity (ROE) | 15.4953% | 646 |
| Retained earnings to average equity (ytd only) | 7.7987% | 1,041 |
| Net charge-offs to loans | 0.0112% | 6,717 |
| Credit loss provision to net charge-offs | 2,888.8889% | 82 |
| Earnings coverage of net charge-offs (x) | 242.2222% | 95 |
| Efficiency ratio | 63.2997% | 5,460 |
| Assets per employee ($millions) | 3.5050% | 4,925 |
| Cash dividends to net income (ytd only)* | 49.6707% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,229 |
| Loan loss allowance to noncurrent loans | 85.5251% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 5,370 |
| Noncurrent loans to loans | 1.2070% | 4,714 |
| Net loans and leases to total assets | 66.8294% | 3,265 |
| Net loans and leases to deposits | 86.1390% | 2,066 |
| Net loans and leases to core deposits | 92.6652% | 2,423 |
| Total domestic deposits to total assets | 77.5832% | 6,383 |
| Equity capital to assets | 9.3165% | 4,668 |
| Core capital (leverage) ratio | 9.6122% | 3,536 |
| Tier 1 risk-based capital ratio | 11.0610% | 6,284 |
| Total risk-based capital ratio | 11.8940% | 6,572 |
| Memoranda: | ||
| Average total assets | $122,520,800 | 4,433 |
| Average earning assets | $111,915,400 | 4,424 |
| Average equity | $11,758,400 | 4,679 |
| Average total loans | $80,122,800 | 4,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 1,586 |
| Cost of funding earning assets | 1.7721% | 1,540 |
| Net interest margin | 3.9651% | 3,264 |
| Noninterest income to average assets | 1.1574% | 1,044 |
| Noninterest expense to average assets | 3.0392% | 3,608 |
| Loan and lease loss provision to assets | 0.2319% | 4,753 |
| Net operating income to assets | 1.4214% | 1,070 |
| Return on assets (ROA) | 1.4224% | 1,138 |
| Pretax return on assets | 1.4975% | 1,628 |
| Return on Equity (ROE) | 14.7060% | 911 |
| Retained earnings to average equity (ytd only) | 4.3729% | 3,422 |
| Net charge-offs to loans | 0.0187% | 6,411 |
| Credit loss provision to net charge-offs | 1,909.0909% | 161 |
| Earnings coverage of net charge-offs (x) | 142.2365% | 223 |
| Efficiency ratio | 63.7480% | 5,291 |
| Assets per employee ($millions) | 3.3319% | 5,379 |
| Cash dividends to net income (ytd only)* | 70.2642% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 6,115 |
| Loan loss allowance to noncurrent loans | 158.0705% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 6,333 |
| Noncurrent loans to loans | 0.6707% | 5,859 |
| Net loans and leases to total assets | 64.4944% | 4,016 |
| Net loans and leases to deposits | 80.8304% | 3,299 |
| Net loans and leases to core deposits | 85.4640% | 3,734 |
| Total domestic deposits to total assets | 79.7897% | 5,777 |
| Equity capital to assets | 10.1145% | 3,998 |
| Core capital (leverage) ratio | 9.2243% | 4,330 |
| Tier 1 risk-based capital ratio | 11.2420% | 6,143 |
| Total risk-based capital ratio | 12.0771% | 6,501 |
| Memoranda: | ||
| Average total assets | $120,730,000 | 4,529 |
| Average earning assets | $109,924,250 | 4,531 |
| Average equity | $11,677,500 | 4,769 |
| Average total loans | $78,260,750 | 4,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7074% | 1,732 |
| Cost of funding earning assets | 1.8014% | 1,636 |
| Net interest margin | 3.9060% | 3,416 |
| Noninterest income to average assets | 0.9543% | 1,504 |
| Noninterest expense to average assets | 3.0998% | 3,323 |
| Loan and lease loss provision to assets | 0.1668% | 5,214 |
| Net operating income to assets | 1.1712% | 1,642 |
| Return on assets (ROA) | 1.1712% | 1,704 |
| Pretax return on assets | 1.2329% | 2,312 |
| Return on Equity (ROE) | 12.3010% | 1,382 |
| Retained earnings to average equity (ytd only) | 2.4006% | 4,630 |
| Net charge-offs to loans | 0.0335% | 5,882 |
| Credit loss provision to net charge-offs | 769.2308% | 479 |
| Earnings coverage of net charge-offs (x) | 64.5385% | 481 |
| Efficiency ratio | 68.8914% | 4,405 |
| Assets per employee ($millions) | 3.3306% | 5,356 |
| Cash dividends to net income (ytd only)* | 80.4843% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 6,638 |
| Loan loss allowance to noncurrent loans | 99.7305% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 5,985 |
| Noncurrent loans to loans | 0.9388% | 5,419 |
| Net loans and leases to total assets | 63.5351% | 4,343 |
| Net loans and leases to deposits | 77.3666% | 4,105 |
| Net loans and leases to core deposits | 83.2988% | 4,239 |
| Total domestic deposits to total assets | 82.1222% | 4,932 |
| Equity capital to assets | 9.4457% | 4,787 |
| Core capital (leverage) ratio | 9.1690% | 4,346 |
| Tier 1 risk-based capital ratio | 11.7046% | 5,581 |
| Total risk-based capital ratio | 12.4763% | 6,001 |
| Memoranda: | ||
| Average total assets | $119,880,330 | 4,568 |
| Average earning assets | $108,807,000 | 4,589 |
| Average equity | $11,413,670 | 4,826 |
| Average total loans | $77,561,000 | 4,521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7943% | 1,480 |
| Cost of funding earning assets | 1.8314% | 1,744 |
| Net interest margin | 3.9629% | 3,037 |
| Noninterest income to average assets | 0.8798% | 1,702 |
| Noninterest expense to average assets | 3.1166% | 3,202 |
| Loan and lease loss provision to assets | 0.1184% | 5,410 |
| Net operating income to assets | 1.1573% | 1,654 |
| Return on assets (ROA) | 1.1573% | 1,733 |
| Pretax return on assets | 1.2182% | 2,302 |
| Return on Equity (ROE) | 12.1057% | 1,474 |
| Retained earnings to average equity (ytd only) | 1.8406% | 5,010 |
| Net charge-offs to loans | 0.0781% | 4,638 |
| Credit loss provision to net charge-offs | 233.3333% | 1,636 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 960 |
| Efficiency ratio | 69.9848% | 4,301 |
| Assets per employee ($millions) | 2.9744% | 6,270 |
| Cash dividends to net income (ytd only)* | 84.7953% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 6,935 |
| Loan loss allowance to noncurrent loans | 75.6180% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 5,657 |
| Noncurrent loans to loans | 1.1471% | 5,075 |
| Net loans and leases to total assets | 64.6477% | 4,182 |
| Net loans and leases to deposits | 78.7706% | 3,886 |
| Net loans and leases to core deposits | 84.2358% | 4,169 |
| Total domestic deposits to total assets | 82.0709% | 5,049 |
| Equity capital to assets | 9.5416% | 4,464 |
| Core capital (leverage) ratio | 9.3206% | 4,016 |
| Tier 1 risk-based capital ratio | 12.1407% | 5,042 |
| Total risk-based capital ratio | 12.8743% | 5,515 |
| Memoranda: | ||
| Average total assets | $118,205,000 | 4,672 |
| Average earning assets | $106,587,500 | 4,683 |
| Average equity | $11,300,500 | 4,896 |
| Average total loans | $76,824,000 | 4,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 2,217 |
| Cost of funding earning assets | 2.0565% | 2,696 |
| Net interest margin | 3.8470% | 3,498 |
| Noninterest income to average assets | 0.9575% | 1,716 |
| Noninterest expense to average assets | 3.3033% | 3,001 |
| Loan and lease loss provision to assets | 0.1415% | 6,224 |
| Net operating income to assets | 0.9674% | 1,954 |
| Return on assets (ROA) | 0.9715% | 1,992 |
| Pretax return on assets | 1.0292% | 2,495 |
| Return on Equity (ROE) | 10.2311% | 1,626 |
| Retained earnings to average equity (ytd only) | 3.4226% | 2,771 |
| Net charge-offs to loans | 0.1410% | 5,816 |
| Credit loss provision to net charge-offs | 148.6239% | 3,135 |
| Earnings coverage of net charge-offs (x) | 12.2477% | 1,526 |
| Efficiency ratio | 73.9054% | 3,915 |
| Assets per employee ($millions) | 2.9359% | 6,371 |
| Cash dividends to net income (ytd only)* | 66.5468% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,957 |
| Loan loss allowance to noncurrent loans | 70.2151% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 5,523 |
| Noncurrent loans to loans | 1.2227% | 4,911 |
| Net loans and leases to total assets | 64.2120% | 4,558 |
| Net loans and leases to deposits | 78.4217% | 4,292 |
| Net loans and leases to core deposits | 102.9433% | 3,693 |
| Total domestic deposits to total assets | 81.8803% | 5,005 |
| Equity capital to assets | 9.5788% | 4,295 |
| Core capital (leverage) ratio | 9.4927% | 3,731 |
| Tier 1 risk-based capital ratio | 12.2324% | 4,741 |
| Total risk-based capital ratio | 12.9529% | 5,155 |
| Memoranda: | ||
| Average total assets | $114,460,000 | 4,708 |
| Average earning assets | $104,497,200 | 4,716 |
| Average equity | $10,868,800 | 5,056 |
| Average total loans | $77,325,800 | 4,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 2,376 |
| Cost of funding earning assets | 2.0879% | 2,942 |
| Net interest margin | 3.8286% | 3,533 |
| Noninterest income to average assets | 1.0564% | 1,425 |
| Noninterest expense to average assets | 3.3345% | 2,788 |
| Loan and lease loss provision to assets | 0.1489% | 5,864 |
| Net operating income to assets | 1.0379% | 1,943 |
| Return on assets (ROA) | 1.0435% | 1,982 |
| Pretax return on assets | 1.0963% | 2,588 |
| Return on Equity (ROE) | 11.0142% | 1,619 |
| Retained earnings to average equity (ytd only) | 2.3514% | 4,011 |
| Net charge-offs to loans | 0.1288% | 5,410 |
| Credit loss provision to net charge-offs | 169.3333% | 2,757 |
| Earnings coverage of net charge-offs (x) | 14.0930% | 1,627 |
| Efficiency ratio | 72.9044% | 4,071 |
| Assets per employee ($millions) | 2.8701% | 6,477 |
| Cash dividends to net income (ytd only)* | 78.6515% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,870 |
| Loan loss allowance to noncurrent loans | 49.1704% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 4,332 |
| Noncurrent loans to loans | 1.7759% | 3,952 |
| Net loans and leases to total assets | 64.4699% | 4,761 |
| Net loans and leases to deposits | 80.5919% | 4,281 |
| Net loans and leases to core deposits | 101.7347% | 4,183 |
| Total domestic deposits to total assets | 79.9955% | 5,434 |
| Equity capital to assets | 9.9282% | 4,175 |
| Core capital (leverage) ratio | 9.6070% | 3,781 |
| Tier 1 risk-based capital ratio | 12.3467% | 4,668 |
| Total risk-based capital ratio | 13.0849% | 5,063 |
| Memoranda: | ||
| Average total assets | $113,716,000 | 4,754 |
| Average earning assets | $104,473,750 | 4,755 |
| Average equity | $10,773,750 | 5,121 |
| Average total loans | $77,642,000 | 4,641 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 2,356 |
| Cost of funding earning assets | 2.1226% | 3,175 |
| Net interest margin | 3.8340% | 3,394 |
| Noninterest income to average assets | 1.1133% | 1,283 |
| Noninterest expense to average assets | 3.3965% | 2,647 |
| Loan and lease loss provision to assets | 0.2241% | 4,791 |
| Net operating income to assets | 0.9673% | 2,216 |
| Return on assets (ROA) | 0.9757% | 2,286 |
| Pretax return on assets | 1.0233% | 2,913 |
| Return on Equity (ROE) | 10.4679% | 1,857 |
| Retained earnings to average equity (ytd only) | -0.4164% | 5,328 |
| Net charge-offs to loans | 0.0534% | 5,741 |
| Credit loss provision to net charge-offs | 604.7619% | 762 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 927 |
| Efficiency ratio | 73.2775% | 4,144 |
| Assets per employee ($millions) | 2.8025% | 6,623 |
| Cash dividends to net income (ytd only)* | 103.9783% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 6,682 |
| Loan loss allowance to noncurrent loans | 52.7218% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 4,609 |
| Noncurrent loans to loans | 1.7457% | 3,890 |
| Net loans and leases to total assets | 66.2382% | 4,523 |
| Net loans and leases to deposits | 83.0821% | 4,029 |
| Net loans and leases to core deposits | 106.7118% | 3,752 |
| Total domestic deposits to total assets | 79.7262% | 5,554 |
| Equity capital to assets | 9.1086% | 5,155 |
| Core capital (leverage) ratio | 9.2357% | 4,261 |
| Tier 1 risk-based capital ratio | 11.9276% | 4,980 |
| Total risk-based capital ratio | 12.7163% | 5,342 |
| Memoranda: | ||
| Average total assets | $113,353,330 | 4,790 |
| Average earning assets | $104,120,000 | 4,786 |
| Average equity | $10,565,670 | 5,196 |
| Average total loans | $78,634,000 | 4,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0586% | 2,116 |
| Cost of funding earning assets | 2.1511% | 3,408 |
| Net interest margin | 3.9076% | 3,015 |
| Noninterest income to average assets | 1.2045% | 991 |
| Noninterest expense to average assets | 3.3541% | 2,485 |
| Loan and lease loss provision to assets | 0.3624% | 3,149 |
| Net operating income to assets | 1.0206% | 2,228 |
| Return on assets (ROA) | 1.0375% | 2,303 |
| Pretax return on assets | 1.0943% | 3,008 |
| Return on Equity (ROE) | 11.0028% | 1,963 |
| Retained earnings to average equity (ytd only) | 0.6406% | 5,405 |
| Net charge-offs to loans | 0.0704% | 4,488 |
| Credit loss provision to net charge-offs | 728.5714% | 828 |
| Earnings coverage of net charge-offs (x) | 28.9286% | 1,086 |
| Efficiency ratio | 69.9778% | 4,580 |
| Assets per employee ($millions) | 2.7950% | 6,655 |
| Cash dividends to net income (ytd only)* | 94.1781% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,841 |
| Loan loss allowance to noncurrent loans | 57.0481% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 4,531 |
| Noncurrent loans to loans | 1.5367% | 3,974 |
| Net loans and leases to total assets | 69.5817% | 3,784 |
| Net loans and leases to deposits | 89.2969% | 3,051 |
| Net loans and leases to core deposits | 112.6851% | 3,145 |
| Total domestic deposits to total assets | 77.9218% | 6,045 |
| Equity capital to assets | 9.5225% | 4,636 |
| Core capital (leverage) ratio | 9.4851% | 4,002 |
| Tier 1 risk-based capital ratio | 12.1353% | 4,834 |
| Total risk-based capital ratio | 12.9133% | 5,157 |
| Memoranda: | ||
| Average total assets | $112,579,000 | 4,832 |
| Average earning assets | $103,389,500 | 4,822 |
| Average equity | $10,615,500 | 5,209 |
| Average total loans | $79,543,000 | 4,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5050% | 2,930 |
| Cost of funding earning assets | 2.6619% | 3,357 |
| Net interest margin | 3.8431% | 3,828 |
| Noninterest income to average assets | 0.9387% | 1,821 |
| Noninterest expense to average assets | 3.2317% | 3,222 |
| Loan and lease loss provision to assets | 0.1769% | 5,130 |
| Net operating income to assets | 0.9678% | 2,706 |
| Return on assets (ROA) | 0.9678% | 2,584 |
| Pretax return on assets | 1.0213% | 3,307 |
| Return on Equity (ROE) | 10.2140% | 2,182 |
| Retained earnings to average equity (ytd only) | 3.5132% | 2,953 |
| Net charge-offs to loans | 0.0734% | 5,709 |
| Credit loss provision to net charge-offs | 354.5455% | 1,264 |
| Earnings coverage of net charge-offs (x) | 24.0182% | 1,389 |
| Efficiency ratio | 72.9525% | 3,761 |
| Assets per employee ($millions) | 2.8340% | 6,481 |
| Cash dividends to net income (ytd only)* | 65.6045% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 7,316 |
| Loan loss allowance to noncurrent loans | 82.1918% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 5,287 |
| Noncurrent loans to loans | 0.9056% | 4,813 |
| Net loans and leases to total assets | 70.5778% | 3,890 |
| Net loans and leases to deposits | 90.3065% | 3,403 |
| Net loans and leases to core deposits | 112.0091% | 3,565 |
| Total domestic deposits to total assets | 78.1537% | 5,662 |
| Equity capital to assets | 9.3375% | 4,889 |
| Core capital (leverage) ratio | 9.4910% | 4,021 |
| Tier 1 risk-based capital ratio | 12.0726% | 4,765 |
| Total risk-based capital ratio | 12.7486% | 5,132 |
| Memoranda: | ||
| Average total assets | $110,253,200 | 4,771 |
| Average earning assets | $100,153,000 | 4,800 |
| Average equity | $10,446,400 | 5,280 |
| Average total loans | $74,970,800 | 4,692 |