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 | 5.3757% | 1,352 |
| Cost of funding earning assets | 0.8455% | 3,622 |
| Net interest margin | 4.5302% | 588 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 2.8646% | 1,353 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.9945% | 474 |
| Return on assets (ROA) | 1.9956% | 455 |
| Pretax return on assets | 2.1206% | 551 |
| Return on Equity (ROE) | 30.9000% | 169 |
| Retained earnings to average equity (ytd only) | 14.1697% | 386 |
| Net charge-offs to loans | 0.4093% | 251 |
| Credit loss provision to net charge-offs | 94.2201% | 1,910 |
| Earnings coverage of net charge-offs (x) | 10.1530% | 2,256 |
| Efficiency ratio | 55.0788% | 3,594 |
| Assets per employee ($millions) | 6.2354% | 2,601 |
| Cash dividends to net income (ytd only)* | 54.1507% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,651 |
| Loan loss allowance to noncurrent loans | 35.7235% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.0255% | 137 |
| Noncurrent loans to loans | 3.7197% | 99 |
| Net loans and leases to total assets | 53.7300% | 3,371 |
| Net loans and leases to deposits | 68.6600% | 2,978 |
| Net loans and leases to core deposits | 69.7469% | 3,321 |
| Total domestic deposits to total assets | 78.2600% | 3,700 |
| Equity capital to assets | 7.6332% | 3,637 |
| Core capital (leverage) ratio | 10.5843% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6481% | 1,146 |
| Memoranda: | ||
| Average total assets | $1,022,566,000 | 965 |
| Average earning assets | $946,328,000 | 955 |
| Average equity | $66,028,400 | 1,305 |
| Average total loans | $574,903,000 | 1,113 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 1,278 |
| Cost of funding earning assets | 0.7982% | 3,520 |
| Net interest margin | 4.5096% | 607 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.7871% | 1,464 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 2.0543% | 469 |
| Return on assets (ROA) | 2.0510% | 463 |
| Pretax return on assets | 2.1795% | 577 |
| Return on Equity (ROE) | 33.2200% | 178 |
| Retained earnings to average equity (ytd only) | 18.0244% | 340 |
| Net charge-offs to loans | 0.2853% | 300 |
| Credit loss provision to net charge-offs | 135.3082% | 1,384 |
| Earnings coverage of net charge-offs (x) | 14.8599% | 1,982 |
| Efficiency ratio | 53.7134% | 3,607 |
| Assets per employee ($millions) | 6.3740% | 2,427 |
| Cash dividends to net income (ytd only)* | 45.7413% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,515 |
| Loan loss allowance to noncurrent loans | 95.4792% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 705 |
| Noncurrent loans to loans | 1.4486% | 508 |
| Net loans and leases to total assets | 53.8500% | 3,370 |
| Net loans and leases to deposits | 71.4325% | 2,746 |
| Net loans and leases to core deposits | 72.5316% | 3,078 |
| Total domestic deposits to total assets | 75.3900% | 4,067 |
| Equity capital to assets | 6.0384% | 3,974 |
| Core capital (leverage) ratio | 10.6170% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1447% | 1,281 |
| Memoranda: | ||
| Average total assets | $1,030,348,500 | 957 |
| Average earning assets | $954,683,000 | 945 |
| Average equity | $63,616,000 | 1,329 |
| Average total loans | $583,659,500 | 1,107 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2466% | 1,156 |
| Cost of funding earning assets | 0.7582% | 3,327 |
| Net interest margin | 4.4884% | 617 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 2.7897% | 1,436 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 2.0191% | 448 |
| Return on assets (ROA) | 2.0191% | 446 |
| Pretax return on assets | 2.1457% | 579 |
| Return on Equity (ROE) | 32.4700% | 176 |
| Retained earnings to average equity (ytd only) | 18.4398% | 316 |
| Net charge-offs to loans | 0.0507% | 1,009 |
| Credit loss provision to net charge-offs | 801.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 81.8067% | 1,038 |
| Efficiency ratio | 53.9757% | 3,611 |
| Assets per employee ($millions) | 6.6969% | 2,136 |
| Cash dividends to net income (ytd only)* | 43.2028% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 1,597 |
| Loan loss allowance to noncurrent loans | 105.4869% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 663 |
| Noncurrent loans to loans | 1.3096% | 540 |
| Net loans and leases to total assets | 57.8900% | 2,972 |
| Net loans and leases to deposits | 75.9844% | 2,314 |
| Net loans and leases to core deposits | 77.3051% | 2,668 |
| Total domestic deposits to total assets | 76.1800% | 4,028 |
| Equity capital to assets | 6.5314% | 3,986 |
| Core capital (leverage) ratio | 10.0362% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9012% | 1,599 |
| Memoranda: | ||
| Average total assets | $1,031,725,000 | 942 |
| Average earning assets | $956,160,333 | 933 |
| Average equity | $64,165,667 | 1,317 |
| Average total loans | $591,407,333 | 1,089 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 1,110 |
| Cost of funding earning assets | 0.6575% | 3,195 |
| Net interest margin | 4.4156% | 662 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.7083% | 1,647 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.9497% | 535 |
| Return on assets (ROA) | 1.9548% | 520 |
| Pretax return on assets | 2.0773% | 680 |
| Return on Equity (ROE) | 32.2400% | 192 |
| Retained earnings to average equity (ytd only) | 16.2574% | 666 |
| Net charge-offs to loans | 0.0643% | 747 |
| Credit loss provision to net charge-offs | 735.1064% | 445 |
| Earnings coverage of net charge-offs (x) | 64.2128% | 985 |
| Efficiency ratio | 53.6512% | 3,638 |
| Assets per employee ($millions) | 6.8204% | 2,104 |
| Cash dividends to net income (ytd only)* | 49.5737% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,959 |
| Loan loss allowance to noncurrent loans | 150.7429% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 1,046 |
| Noncurrent loans to loans | 0.8736% | 865 |
| Net loans and leases to total assets | 55.7400% | 3,056 |
| Net loans and leases to deposits | 72.8832% | 2,391 |
| Net loans and leases to core deposits | 74.2533% | 2,657 |
| Total domestic deposits to total assets | 76.4800% | 4,129 |
| Equity capital to assets | 6.1966% | 4,141 |
| Core capital (leverage) ratio | 9.8855% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7098% | 1,715 |
| Memoranda: | ||
| Average total assets | $1,031,926,000 | 958 |
| Average earning assets | $956,981,000 | 949 |
| Average equity | $62,568,500 | 1,357 |
| Average total loans | $584,426,500 | 1,110 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 1,816 |
| Cost of funding earning assets | 0.2038% | 3,726 |
| Net interest margin | 3.7599% | 1,242 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 2.5209% | 2,044 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.8496% | 391 |
| Return on assets (ROA) | 1.8334% | 390 |
| Pretax return on assets | 1.8334% | 674 |
| Return on Equity (ROE) | 27.6700% | 150 |
| Retained earnings to average equity (ytd only) | 11.9312% | 680 |
| Net charge-offs to loans | 0.0730% | 914 |
| Credit loss provision to net charge-offs | 328.3854% | 870 |
| Earnings coverage of net charge-offs (x) | 51.7760% | 1,333 |
| Efficiency ratio | 56.0726% | 3,578 |
| Assets per employee ($millions) | 6.7559% | 2,152 |
| Cash dividends to net income (ytd only)* | 56.8859% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,304 |
| Loan loss allowance to noncurrent loans | 898.9610% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 2,919 |
| Noncurrent loans to loans | 0.1356% | 2,833 |
| Net loans and leases to total assets | 56.1000% | 3,018 |
| Net loans and leases to deposits | 70.3674% | 2,551 |
| Net loans and leases to core deposits | 72.1825% | 2,708 |
| Total domestic deposits to total assets | 79.7300% | 3,917 |
| Equity capital to assets | 5.9214% | 4,117 |
| Core capital (leverage) ratio | 9.7379% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0905% | 1,604 |
| Memoranda: | ||
| Average total assets | $1,006,738,200 | 974 |
| Average earning assets | $934,715,400 | 966 |
| Average equity | $66,698,800 | 1,300 |
| Average total loans | $525,854,200 | 1,138 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 2,030 |
| Cost of funding earning assets | 0.1456% | 3,890 |
| Net interest margin | 3.5598% | 1,488 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.5141% | 1,976 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.6771% | 561 |
| Return on assets (ROA) | 1.6620% | 562 |
| Pretax return on assets | 1.6620% | 974 |
| Return on Equity (ROE) | 24.4400% | 206 |
| Retained earnings to average equity (ytd only) | 12.7765% | 649 |
| Net charge-offs to loans | 0.0683% | 814 |
| Credit loss provision to net charge-offs | 247.7273% | 901 |
| Earnings coverage of net charge-offs (x) | 50.5265% | 1,279 |
| Efficiency ratio | 58.7730% | 3,292 |
| Assets per employee ($millions) | 6.8324% | 2,068 |
| Cash dividends to net income (ytd only)* | 47.7289% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,510 |
| Loan loss allowance to noncurrent loans | 1,105.8419% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,194 |
| Noncurrent loans to loans | 0.1088% | 3,105 |
| Net loans and leases to total assets | 51.9200% | 3,282 |
| Net loans and leases to deposits | 61.1830% | 3,095 |
| Net loans and leases to core deposits | 62.8602% | 3,198 |
| Total domestic deposits to total assets | 84.8600% | 3,317 |
| Equity capital to assets | 4.8471% | 4,320 |
| Core capital (leverage) ratio | 9.5034% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2786% | 1,628 |
| Memoranda: | ||
| Average total assets | $1,008,456,000 | 978 |
| Average earning assets | $936,990,500 | 972 |
| Average equity | $68,572,000 | 1,285 |
| Average total loans | $515,350,250 | 1,149 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5331% | 2,032 |
| Cost of funding earning assets | 0.1005% | 4,186 |
| Net interest margin | 3.4326% | 1,506 |
| Noninterest income to average assets | 0.9474% | 756 |
| Noninterest expense to average assets | 2.4957% | 1,942 |
| Loan and lease loss provision to assets | 0.0995% | 1,007 |
| Net operating income to assets | 1.5393% | 636 |
| Return on assets (ROA) | 1.5240% | 644 |
| Pretax return on assets | 1.5240% | 1,112 |
| Return on Equity (ROE) | 20.4318% | 282 |
| Retained earnings to average equity (ytd only) | 11.0961% | 770 |
| Net charge-offs to loans | 0.0507% | 886 |
| Credit loss provision to net charge-offs | 387.5969% | 708 |
| Earnings coverage of net charge-offs (x) | 63.8527% | 1,052 |
| Efficiency ratio | 60.3628% | 3,252 |
| Assets per employee ($millions) | 6.7072% | 2,166 |
| Cash dividends to net income (ytd only)* | 45.6919% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,379 |
| Loan loss allowance to noncurrent loans | 330.2110% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 2,387 |
| Noncurrent loans to loans | 0.3814% | 1,995 |
| Net loans and leases to total assets | 49.3376% | 3,438 |
| Net loans and leases to deposits | 58.7599% | 3,157 |
| Net loans and leases to core deposits | 60.8432% | 3,205 |
| Total domestic deposits to total assets | 83.9647% | 3,692 |
| Equity capital to assets | 6.2978% | 4,099 |
| Core capital (leverage) ratio | 9.3782% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0613% | 1,423 |
| Memoranda: | ||
| Average total assets | $1,005,267,667 | 977 |
| Average earning assets | $933,351,333 | 977 |
| Average equity | $74,981,000 | 1,228 |
| Average total loans | $508,799,333 | 1,149 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 1,959 |
| Cost of funding earning assets | 0.0713% | 4,436 |
| Net interest margin | 3.3744% | 1,367 |
| Noninterest income to average assets | 0.9181% | 814 |
| Noninterest expense to average assets | 2.5038% | 1,873 |
| Loan and lease loss provision to assets | 0.1759% | 436 |
| Net operating income to assets | 1.3673% | 862 |
| Return on assets (ROA) | 1.3493% | 889 |
| Pretax return on assets | 1.3493% | 1,379 |
| Return on Equity (ROE) | 16.7577% | 451 |
| Retained earnings to average equity (ytd only) | 9.2921% | 1,189 |
| Net charge-offs to loans | 0.0661% | 666 |
| Credit loss provision to net charge-offs | 522.6190% | 499 |
| Earnings coverage of net charge-offs (x) | 45.8452% | 953 |
| Efficiency ratio | 61.8675% | 3,277 |
| Assets per employee ($millions) | 6.6119% | 2,287 |
| Cash dividends to net income (ytd only)* | 44.5500% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,758 |
| Loan loss allowance to noncurrent loans | 370.2140% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 2,587 |
| Noncurrent loans to loans | 0.3296% | 2,300 |
| Net loans and leases to total assets | 51.5597% | 3,024 |
| Net loans and leases to deposits | 61.7408% | 2,734 |
| Net loans and leases to core deposits | 63.6872% | 2,819 |
| Total domestic deposits to total assets | 83.5099% | 3,861 |
| Equity capital to assets | 7.1441% | 4,133 |
| Core capital (leverage) ratio | 9.3575% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3578% | 1,681 |
| Memoranda: | ||
| Average total assets | $998,158,000 | 984 |
| Average earning assets | $925,556,500 | 985 |
| Average equity | $80,369,000 | 1,194 |
| Average total loans | $508,496,000 | 1,149 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 3,060 |
| Cost of funding earning assets | 0.0734% | 4,565 |
| Net interest margin | 3.2742% | 2,391 |
| Noninterest income to average assets | 1.0094% | 989 |
| Noninterest expense to average assets | 2.5099% | 2,150 |
| Loan and lease loss provision to assets | 0.0686% | 1,701 |
| Net operating income to assets | 1.4651% | 1,094 |
| Return on assets (ROA) | 1.4621% | 1,165 |
| Pretax return on assets | 1.4621% | 1,846 |
| Return on Equity (ROE) | 15.5883% | 825 |
| Retained earnings to average equity (ytd only) | 5.9259% | 2,392 |
| Net charge-offs to loans | 0.0489% | 1,330 |
| Credit loss provision to net charge-offs | 280.7860% | 1,103 |
| Earnings coverage of net charge-offs (x) | 62.8166% | 1,145 |
| Efficiency ratio | 62.0709% | 2,858 |
| Assets per employee ($millions) | 6.8366% | 2,039 |
| Cash dividends to net income (ytd only)* | 61.9850% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,743 |
| Loan loss allowance to noncurrent loans | 123.3123% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 1,318 |
| Noncurrent loans to loans | 0.9957% | 994 |
| Net loans and leases to total assets | 49.0630% | 3,399 |
| Net loans and leases to deposits | 60.4077% | 3,041 |
| Net loans and leases to core deposits | 62.3462% | 3,129 |
| Total domestic deposits to total assets | 81.2198% | 4,075 |
| Equity capital to assets | 8.9719% | 3,649 |
| Core capital (leverage) ratio | 9.3989% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0369% | 1,499 |
| Memoranda: | ||
| Average total assets | $937,929,600 | 1,007 |
| Average earning assets | $869,178,000 | 1,011 |
| Average equity | $87,969,800 | 1,119 |
| Average total loans | $467,856,400 | 1,223 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 3,266 |
| Cost of funding earning assets | 0.0765% | 4,653 |
| Net interest margin | 3.2675% | 2,519 |
| Noninterest income to average assets | 0.9927% | 1,082 |
| Noninterest expense to average assets | 2.5295% | 2,035 |
| Loan and lease loss provision to assets | 0.0576% | 1,840 |
| Net operating income to assets | 1.4314% | 1,443 |
| Return on assets (ROA) | 1.4286% | 1,518 |
| Pretax return on assets | 1.4286% | 2,216 |
| Return on Equity (ROE) | 15.0569% | 1,128 |
| Retained earnings to average equity (ytd only) | 5.9379% | 2,845 |
| Net charge-offs to loans | 0.0248% | 1,546 |
| Credit loss provision to net charge-offs | 465.1163% | 793 |
| Earnings coverage of net charge-offs (x) | 120.0698% | 776 |
| Efficiency ratio | 62.9454% | 2,538 |
| Assets per employee ($millions) | 6.5197% | 2,228 |
| Cash dividends to net income (ytd only)* | 60.5632% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,729 |
| Loan loss allowance to noncurrent loans | 66.5771% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 712 |
| Noncurrent loans to loans | 1.8780% | 492 |
| Net loans and leases to total assets | 49.3356% | 3,489 |
| Net loans and leases to deposits | 60.3175% | 3,203 |
| Net loans and leases to core deposits | 62.1991% | 3,298 |
| Total domestic deposits to total assets | 81.7932% | 3,965 |
| Equity capital to assets | 9.3950% | 3,471 |
| Core capital (leverage) ratio | 9.4147% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5328% | 1,471 |
| Memoranda: | ||
| Average total assets | $924,585,750 | 1,031 |
| Average earning assets | $856,211,750 | 1,035 |
| Average equity | $87,727,500 | 1,138 |
| Average total loans | $461,718,000 | 1,255 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 3,240 |
| Cost of funding earning assets | 0.0797% | 4,700 |
| Net interest margin | 3.2967% | 2,446 |
| Noninterest income to average assets | 0.9829% | 1,104 |
| Noninterest expense to average assets | 2.5442% | 2,017 |
| Loan and lease loss provision to assets | 0.0634% | 1,771 |
| Net operating income to assets | 1.4279% | 1,491 |
| Return on assets (ROA) | 1.4246% | 1,568 |
| Pretax return on assets | 1.4246% | 2,259 |
| Return on Equity (ROE) | 14.9632% | 1,167 |
| Retained earnings to average equity (ytd only) | 1.1955% | 4,299 |
| Net charge-offs to loans | 0.0219% | 1,508 |
| Credit loss provision to net charge-offs | 580.0000% | 639 |
| Earnings coverage of net charge-offs (x) | 136.5200% | 621 |
| Efficiency ratio | 63.0468% | 2,565 |
| Assets per employee ($millions) | 6.6256% | 2,078 |
| Cash dividends to net income (ytd only)* | 92.0104% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,473 |
| Loan loss allowance to noncurrent loans | 63.8847% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 793 |
| Noncurrent loans to loans | 2.0243% | 478 |
| Net loans and leases to total assets | 46.9687% | 3,828 |
| Net loans and leases to deposits | 57.6213% | 3,578 |
| Net loans and leases to core deposits | 59.3496% | 3,669 |
| Total domestic deposits to total assets | 81.5127% | 4,010 |
| Equity capital to assets | 9.0815% | 3,727 |
| Core capital (leverage) ratio | 9.1768% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4682% | 1,235 |
| Memoranda: | ||
| Average total assets | $915,487,333 | 1,035 |
| Average earning assets | $847,685,000 | 1,039 |
| Average equity | $87,160,333 | 1,139 |
| Average total loans | $457,103,333 | 1,272 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4367% | 3,099 |
| Cost of funding earning assets | 0.0864% | 4,718 |
| Net interest margin | 3.3503% | 2,248 |
| Noninterest income to average assets | 1.0310% | 1,086 |
| Noninterest expense to average assets | 2.5789% | 1,937 |
| Loan and lease loss provision to assets | 0.0821% | 1,579 |
| Net operating income to assets | 1.4689% | 1,397 |
| Return on assets (ROA) | 1.4609% | 1,478 |
| Pretax return on assets | 1.4609% | 2,105 |
| Return on Equity (ROE) | 14.9763% | 1,219 |
| Retained earnings to average equity (ytd only) | 1.2492% | 4,167 |
| Net charge-offs to loans | -0.0366% | 4,267 |
| Credit loss provision to net charge-offs | -438.0952% | 3,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4446% | 2,678 |
| Assets per employee ($millions) | 6.4634% | 2,205 |
| Cash dividends to net income (ytd only)* | 91.6590% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,673 |
| Loan loss allowance to noncurrent loans | 57.7458% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 735 |
| Noncurrent loans to loans | 2.1619% | 468 |
| Net loans and leases to total assets | 49.7710% | 3,648 |
| Net loans and leases to deposits | 62.9769% | 3,223 |
| Net loans and leases to core deposits | 65.0969% | 3,310 |
| Total domestic deposits to total assets | 79.0306% | 4,330 |
| Equity capital to assets | 9.3149% | 3,372 |
| Core capital (leverage) ratio | 9.7005% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4400% | 1,184 |
| Memoranda: | ||
| Average total assets | $896,190,000 | 1,044 |
| Average earning assets | $828,945,000 | 1,049 |
| Average equity | $87,418,000 | 1,124 |
| Average total loans | $458,659,500 | 1,269 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2877% | 4,349 |
| Cost of funding earning assets | 0.2267% | 4,480 |
| Net interest margin | 3.0609% | 3,727 |
| Noninterest income to average assets | 1.1193% | 848 |
| Noninterest expense to average assets | 2.7665% | 2,024 |
| Loan and lease loss provision to assets | 0.2243% | 1,740 |
| Net operating income to assets | 0.9266% | 2,583 |
| Return on assets (ROA) | 0.9291% | 2,715 |
| Pretax return on assets | 0.9291% | 3,284 |
| Return on Equity (ROE) | 9.1643% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.5882% | 2,000 |
| Net charge-offs to loans | 0.1417% | 1,139 |
| Credit loss provision to net charge-offs | 313.5135% | 1,687 |
| Earnings coverage of net charge-offs (x) | 16.0861% | 2,147 |
| Efficiency ratio | 70.6216% | 1,869 |
| Assets per employee ($millions) | 6.0255% | 2,317 |
| Cash dividends to net income (ytd only)* | 39.0219% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,635 |
| Loan loss allowance to noncurrent loans | 31.0505% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.1047% | 259 |
| Noncurrent loans to loans | 4.0459% | 135 |
| Net loans and leases to total assets | 51.3664% | 3,716 |
| Net loans and leases to deposits | 66.1534% | 3,258 |
| Net loans and leases to core deposits | 68.4620% | 3,379 |
| Total domestic deposits to total assets | 77.6474% | 4,355 |
| Equity capital to assets | 10.2292% | 2,905 |
| Core capital (leverage) ratio | 10.2352% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6676% | 953 |
| Memoranda: | ||
| Average total assets | $827,462,600 | 1,029 |
| Average earning assets | $756,402,000 | 1,038 |
| Average equity | $83,890,800 | 1,110 |
| Average total loans | $417,642,400 | 1,304 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 4,552 |
| Cost of funding earning assets | 0.2680% | 4,439 |
| Net interest margin | 2.9664% | 4,058 |
| Noninterest income to average assets | 1.1263% | 827 |
| Noninterest expense to average assets | 2.8281% | 1,887 |
| Loan and lease loss provision to assets | 0.2305% | 1,761 |
| Net operating income to assets | 0.7725% | 3,201 |
| Return on assets (ROA) | 0.7765% | 3,293 |
| Pretax return on assets | 0.7765% | 3,713 |
| Return on Equity (ROE) | 7.6767% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.8476% | 3,582 |
| Net charge-offs to loans | 0.1320% | 1,090 |
| Credit loss provision to net charge-offs | 348.7685% | 1,614 |
| Earnings coverage of net charge-offs (x) | 15.1749% | 2,113 |
| Efficiency ratio | 73.8175% | 1,421 |
| Assets per employee ($millions) | 5.4401% | 2,763 |
| Cash dividends to net income (ytd only)* | 62.9063% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,574 |
| Loan loss allowance to noncurrent loans | 66.7080% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 1,151 |
| Noncurrent loans to loans | 1.8239% | 721 |
| Net loans and leases to total assets | 52.4615% | 3,932 |
| Net loans and leases to deposits | 66.4302% | 3,582 |
| Net loans and leases to core deposits | 69.5304% | 3,657 |
| Total domestic deposits to total assets | 78.9723% | 4,063 |
| Equity capital to assets | 10.3210% | 2,943 |
| Core capital (leverage) ratio | 9.9657% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3185% | 868 |
| Memoranda: | ||
| Average total assets | $818,915,000 | 1,025 |
| Average earning assets | $746,712,250 | 1,034 |
| Average equity | $82,828,500 | 1,114 |
| Average total loans | $409,995,250 | 1,316 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 4,597 |
| Cost of funding earning assets | 0.3257% | 4,378 |
| Net interest margin | 3.0175% | 4,082 |
| Noninterest income to average assets | 1.0859% | 845 |
| Noninterest expense to average assets | 2.8110% | 2,074 |
| Loan and lease loss provision to assets | 0.2276% | 1,839 |
| Net operating income to assets | 0.7929% | 3,064 |
| Return on assets (ROA) | 0.7988% | 3,161 |
| Pretax return on assets | 0.7988% | 3,588 |
| Return on Equity (ROE) | 7.9533% | 2,767 |
| Retained earnings to average equity (ytd only) | 0.6186% | 4,180 |
| Net charge-offs to loans | 0.1117% | 1,180 |
| Credit loss provision to net charge-offs | 415.6951% | 1,377 |
| Earnings coverage of net charge-offs (x) | 18.6368% | 1,757 |
| Efficiency ratio | 73.3641% | 1,525 |
| Assets per employee ($millions) | 5.0994% | 3,066 |
| Cash dividends to net income (ytd only)* | 92.2226% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,589 |
| Loan loss allowance to noncurrent loans | 89.8176% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 1,804 |
| Noncurrent loans to loans | 1.3198% | 1,170 |
| Net loans and leases to total assets | 50.5536% | 4,132 |
| Net loans and leases to deposits | 64.9448% | 3,810 |
| Net loans and leases to core deposits | 68.3004% | 3,844 |
| Total domestic deposits to total assets | 77.8409% | 4,207 |
| Equity capital to assets | 10.0497% | 3,162 |
| Core capital (leverage) ratio | 9.7637% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7834% | 797 |
| Memoranda: | ||
| Average total assets | $814,443,667 | 1,016 |
| Average earning assets | $741,071,000 | 1,026 |
| Average equity | $81,803,000 | 1,117 |
| Average total loans | $399,317,000 | 1,325 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 4,587 |
| Cost of funding earning assets | 0.4214% | 4,271 |
| Net interest margin | 3.1249% | 4,041 |
| Noninterest income to average assets | 1.1768% | 633 |
| Noninterest expense to average assets | 2.9336% | 2,041 |
| Loan and lease loss provision to assets | 0.1474% | 1,924 |
| Net operating income to assets | 0.9309% | 2,413 |
| Return on assets (ROA) | 0.9389% | 2,488 |
| Pretax return on assets | 0.9389% | 3,032 |
| Return on Equity (ROE) | 9.3503% | 1,980 |
| Retained earnings to average equity (ytd only) | -5.5230% | 4,553 |
| Net charge-offs to loans | 0.1901% | 714 |
| Credit loss provision to net charge-offs | 161.7486% | 1,545 |
| Earnings coverage of net charge-offs (x) | 11.8361% | 1,719 |
| Efficiency ratio | 73.1232% | 1,926 |
| Assets per employee ($millions) | 4.9021% | 2,748 |
| Cash dividends to net income (ytd only)* | 159.0668% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,005 |
| Loan loss allowance to noncurrent loans | 109.6427% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 2,452 |
| Noncurrent loans to loans | 1.0377% | 1,604 |
| Net loans and leases to total assets | 49.0169% | 4,288 |
| Net loans and leases to deposits | 64.9790% | 3,925 |
| Net loans and leases to core deposits | 67.1570% | 4,025 |
| Total domestic deposits to total assets | 75.4351% | 4,543 |
| Equity capital to assets | 10.2682% | 3,544 |
| Core capital (leverage) ratio | 10.2536% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4991% | 921 |
| Memoranda: | ||
| Average total assets | $803,512,500 | 1,000 |
| Average earning assets | $728,987,500 | 1,009 |
| Average equity | $80,681,500 | 1,127 |
| Average total loans | $385,048,000 | 1,340 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 4,758 |
| Cost of funding earning assets | 0.7558% | 2,886 |
| Net interest margin | 2.8658% | 4,691 |
| Noninterest income to average assets | 1.1856% | 672 |
| Noninterest expense to average assets | 2.7096% | 2,859 |
| Loan and lease loss provision to assets | 0.1326% | 1,606 |
| Net operating income to assets | 0.9575% | 2,991 |
| Return on assets (ROA) | 0.9608% | 3,063 |
| Pretax return on assets | 0.9608% | 3,571 |
| Return on Equity (ROE) | 10.3868% | 2,124 |
| Retained earnings to average equity (ytd only) | 6.4662% | 1,625 |
| Net charge-offs to loans | 0.2201% | 929 |
| Credit loss provision to net charge-offs | 133.6175% | 1,911 |
| Earnings coverage of net charge-offs (x) | 10.9842% | 2,527 |
| Efficiency ratio | 71.3104% | 1,974 |
| Assets per employee ($millions) | 5.1448% | 2,402 |
| Cash dividends to net income (ytd only)* | 37.7453% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,641 |
| Loan loss allowance to noncurrent loans | 113.5170% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,515 |
| Noncurrent loans to loans | 1.0222% | 1,481 |
| Net loans and leases to total assets | 45.7612% | 4,532 |
| Net loans and leases to deposits | 64.9534% | 4,011 |
| Net loans and leases to core deposits | 67.6478% | 4,100 |
| Total domestic deposits to total assets | 70.4524% | 4,916 |
| Equity capital to assets | 9.8192% | 4,088 |
| Core capital (leverage) ratio | 9.8876% | 3,627 |
| Tier 1 risk-based capital ratio | 18.2316% | 1,705 |
| Total risk-based capital ratio | 19.2481% | 1,714 |
| Memoranda: | ||
| Average total assets | $827,258,600 | 949 |
| Average earning assets | $754,593,400 | 955 |
| Average equity | $76,520,400 | 1,124 |
| Average total loans | $372,968,600 | 1,348 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 4,859 |
| Cost of funding earning assets | 0.7865% | 2,780 |
| Net interest margin | 2.8413% | 4,820 |
| Noninterest income to average assets | 1.2019% | 634 |
| Noninterest expense to average assets | 2.6968% | 2,873 |
| Loan and lease loss provision to assets | 0.1298% | 1,489 |
| Net operating income to assets | 0.9657% | 3,097 |
| Return on assets (ROA) | 0.9707% | 3,161 |
| Pretax return on assets | 0.9707% | 3,684 |
| Return on Equity (ROE) | 10.6547% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.3705% | 2,691 |
| Net charge-offs to loans | 0.2125% | 831 |
| Credit loss provision to net charge-offs | 136.4250% | 1,754 |
| Earnings coverage of net charge-offs (x) | 11.5126% | 2,435 |
| Efficiency ratio | 71.1112% | 1,951 |
| Assets per employee ($millions) | 5.1233% | 2,422 |
| Cash dividends to net income (ytd only)* | 49.5950% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,757 |
| Loan loss allowance to noncurrent loans | 94.0175% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,330 |
| Noncurrent loans to loans | 1.2263% | 1,273 |
| Net loans and leases to total assets | 45.0357% | 4,651 |
| Net loans and leases to deposits | 66.7830% | 4,008 |
| Net loans and leases to core deposits | 70.5964% | 4,026 |
| Total domestic deposits to total assets | 67.4359% | 5,072 |
| Equity capital to assets | 9.6336% | 4,352 |
| Core capital (leverage) ratio | 9.5511% | 4,114 |
| Tier 1 risk-based capital ratio | 18.5253% | 1,680 |
| Total risk-based capital ratio | 19.5731% | 1,695 |
| Memoranda: | ||
| Average total assets | $830,852,000 | 945 |
| Average earning assets | $757,476,000 | 952 |
| Average equity | $75,695,750 | 1,130 |
| Average total loans | $372,122,500 | 1,359 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 4,977 |
| Cost of funding earning assets | 0.7931% | 2,679 |
| Net interest margin | 2.7541% | 4,962 |
| Noninterest income to average assets | 1.2399% | 563 |
| Noninterest expense to average assets | 2.6915% | 2,935 |
| Loan and lease loss provision to assets | 0.1222% | 1,529 |
| Net operating income to assets | 0.9370% | 3,142 |
| Return on assets (ROA) | 0.9428% | 3,183 |
| Pretax return on assets | 0.9428% | 3,728 |
| Return on Equity (ROE) | 10.5463% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.5463% | 628 |
| Net charge-offs to loans | 0.1900% | 876 |
| Credit loss provision to net charge-offs | 144.4759% | 1,535 |
| Earnings coverage of net charge-offs (x) | 12.5212% | 2,149 |
| Efficiency ratio | 71.7590% | 1,955 |
| Assets per employee ($millions) | 5.2924% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,906 |
| Loan loss allowance to noncurrent loans | 102.0668% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 2,571 |
| Noncurrent loans to loans | 1.1064% | 1,478 |
| Net loans and leases to total assets | 44.1880% | 4,718 |
| Net loans and leases to deposits | 68.4731% | 3,939 |
| Net loans and leases to core deposits | 72.2505% | 3,989 |
| Total domestic deposits to total assets | 64.5334% | 5,160 |
| Equity capital to assets | 9.4779% | 4,422 |
| Core capital (leverage) ratio | 9.5853% | 4,058 |
| Tier 1 risk-based capital ratio | 18.9882% | 1,561 |
| Total risk-based capital ratio | 20.0365% | 1,570 |
| Memoranda: | ||
| Average total assets | $834,562,330 | 936 |
| Average earning assets | $760,840,000 | 949 |
| Average equity | $74,604,670 | 1,141 |
| Average total loans | $371,672,330 | 1,362 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 5,000 |
| Cost of funding earning assets | 0.7932% | 2,576 |
| Net interest margin | 2.7576% | 5,019 |
| Noninterest income to average assets | 1.0689% | 697 |
| Noninterest expense to average assets | 2.7337% | 2,796 |
| Loan and lease loss provision to assets | 0.0707% | 2,244 |
| Net operating income to assets | 0.7778% | 3,692 |
| Return on assets (ROA) | 0.7826% | 3,727 |
| Pretax return on assets | 0.7826% | 4,088 |
| Return on Equity (ROE) | 9.0296% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.0296% | 1,310 |
| Net charge-offs to loans | 0.2187% | 643 |
| Credit loss provision to net charge-offs | 72.7723% | 1,831 |
| Earnings coverage of net charge-offs (x) | 8.7277% | 2,070 |
| Efficiency ratio | 76.3133% | 1,468 |
| Assets per employee ($millions) | 5.2642% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,263 |
| Loan loss allowance to noncurrent loans | 101.5853% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,728 |
| Noncurrent loans to loans | 1.0582% | 1,575 |
| Net loans and leases to total assets | 44.1081% | 4,747 |
| Net loans and leases to deposits | 67.3409% | 3,960 |
| Net loans and leases to core deposits | 71.0559% | 4,005 |
| Total domestic deposits to total assets | 65.4997% | 5,213 |
| Equity capital to assets | 8.8600% | 4,774 |
| Core capital (leverage) ratio | 9.3637% | 4,302 |
| Tier 1 risk-based capital ratio | 18.5823% | 1,635 |
| Total risk-based capital ratio | 19.5885% | 1,653 |
| Memoranda: | ||
| Average total assets | $831,099,500 | 946 |
| Average earning assets | $757,475,000 | 953 |
| Average equity | $72,029,500 | 1,181 |
| Average total loans | $369,466,500 | 1,373 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,022 |
| Cost of funding earning assets | 0.6572% | 2,342 |
| Net interest margin | 2.7273% | 5,076 |
| Noninterest income to average assets | 1.3376% | 513 |
| Noninterest expense to average assets | 2.8999% | 2,356 |
| Loan and lease loss provision to assets | 0.0876% | 2,393 |
| Net operating income to assets | 0.8311% | 3,689 |
| Return on assets (ROA) | 0.8311% | 3,686 |
| Pretax return on assets | 0.8311% | 4,087 |
| Return on Equity (ROE) | 9.9321% | 2,542 |
| Retained earnings to average equity (ytd only) | 1.1075% | 4,676 |
| Net charge-offs to loans | 0.1659% | 1,163 |
| Credit loss provision to net charge-offs | 122.1269% | 2,136 |
| Earnings coverage of net charge-offs (x) | 12.8045% | 2,502 |
| Efficiency ratio | 75.9411% | 1,377 |
| Assets per employee ($millions) | 5.0927% | 2,387 |
| Cash dividends to net income (ytd only)* | 88.8494% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,947 |
| Loan loss allowance to noncurrent loans | 97.0351% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,485 |
| Noncurrent loans to loans | 1.1602% | 1,386 |
| Net loans and leases to total assets | 43.8204% | 4,825 |
| Net loans and leases to deposits | 68.7172% | 3,923 |
| Net loans and leases to core deposits | 72.3768% | 3,964 |
| Total domestic deposits to total assets | 63.7691% | 5,281 |
| Equity capital to assets | 8.4683% | 4,950 |
| Core capital (leverage) ratio | 9.3755% | 4,266 |
| Tier 1 risk-based capital ratio | 18.7632% | 1,556 |
| Total risk-based capital ratio | 19.8140% | 1,556 |
| Memoranda: | ||
| Average total assets | $812,550,200 | 940 |
| Average earning assets | $739,168,000 | 947 |
| Average equity | $67,991,400 | 1,189 |
| Average total loans | $351,396,200 | 1,398 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 5,079 |
| Cost of funding earning assets | 0.6195% | 2,339 |
| Net interest margin | 2.7371% | 5,137 |
| Noninterest income to average assets | 1.3915% | 491 |
| Noninterest expense to average assets | 2.9393% | 2,194 |
| Loan and lease loss provision to assets | 0.0893% | 2,190 |
| Net operating income to assets | 0.8524% | 3,728 |
| Return on assets (ROA) | 0.8524% | 3,736 |
| Pretax return on assets | 0.8524% | 4,161 |
| Return on Equity (ROE) | 10.2179% | 2,518 |
| Retained earnings to average equity (ytd only) | 2.3322% | 4,461 |
| Net charge-offs to loans | 0.1626% | 1,015 |
| Credit loss provision to net charge-offs | 127.7647% | 1,918 |
| Earnings coverage of net charge-offs (x) | 13.4730% | 2,355 |
| Efficiency ratio | 75.7352% | 1,385 |
| Assets per employee ($millions) | 4.8207% | 2,697 |
| Cash dividends to net income (ytd only)* | 77.1754% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,770 |
| Loan loss allowance to noncurrent loans | 73.2053% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 2,032 |
| Noncurrent loans to loans | 1.6048% | 985 |
| Net loans and leases to total assets | 42.8784% | 4,919 |
| Net loans and leases to deposits | 65.4469% | 4,241 |
| Net loans and leases to core deposits | 68.8876% | 4,254 |
| Total domestic deposits to total assets | 65.5163% | 5,331 |
| Equity capital to assets | 8.4217% | 4,972 |
| Core capital (leverage) ratio | 9.6141% | 4,040 |
| Tier 1 risk-based capital ratio | 19.7639% | 1,385 |
| Total risk-based capital ratio | 20.8612% | 1,378 |
| Memoranda: | ||
| Average total assets | $810,707,750 | 943 |
| Average earning assets | $737,364,000 | 950 |
| Average equity | $67,631,000 | 1,195 |
| Average total loans | $348,399,500 | 1,412 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 5,088 |
| Cost of funding earning assets | 0.5999% | 2,227 |
| Net interest margin | 2.7538% | 5,173 |
| Noninterest income to average assets | 1.5163% | 420 |
| Noninterest expense to average assets | 2.9853% | 2,079 |
| Loan and lease loss provision to assets | 0.0857% | 2,197 |
| Net operating income to assets | 0.9496% | 3,238 |
| Return on assets (ROA) | 0.9496% | 3,246 |
| Pretax return on assets | 0.9496% | 3,809 |
| Return on Equity (ROE) | 11.4193% | 1,944 |
| Retained earnings to average equity (ytd only) | -0.3958% | 5,012 |
| Net charge-offs to loans | 0.1588% | 971 |
| Credit loss provision to net charge-offs | 125.9928% | 1,752 |
| Earnings coverage of net charge-offs (x) | 15.2166% | 2,055 |
| Efficiency ratio | 74.2485% | 1,674 |
| Assets per employee ($millions) | 4.7809% | 2,706 |
| Cash dividends to net income (ytd only)* | 103.4661% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,944 |
| Loan loss allowance to noncurrent loans | 71.4438% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 2,050 |
| Noncurrent loans to loans | 1.6201% | 999 |
| Net loans and leases to total assets | 42.3743% | 4,969 |
| Net loans and leases to deposits | 65.0693% | 4,217 |
| Net loans and leases to core deposits | 68.4705% | 4,227 |
| Total domestic deposits to total assets | 65.1218% | 5,397 |
| Equity capital to assets | 8.1654% | 5,158 |
| Core capital (leverage) ratio | 9.2658% | 4,398 |
| Tier 1 risk-based capital ratio | 19.5300% | 1,421 |
| Total risk-based capital ratio | 20.6213% | 1,422 |
| Memoranda: | ||
| Average total assets | $814,197,670 | 942 |
| Average earning assets | $740,425,000 | 950 |
| Average equity | $67,710,000 | 1,189 |
| Average total loans | $348,796,670 | 1,411 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 5,120 |
| Cost of funding earning assets | 0.5802% | 2,169 |
| Net interest margin | 2.7342% | 5,228 |
| Noninterest income to average assets | 1.1461% | 703 |
| Noninterest expense to average assets | 2.9358% | 2,241 |
| Loan and lease loss provision to assets | 0.0805% | 2,176 |
| Net operating income to assets | 0.6165% | 4,374 |
| Return on assets (ROA) | 0.6165% | 4,384 |
| Pretax return on assets | 0.6165% | 4,651 |
| Return on Equity (ROE) | 7.3469% | 3,650 |
| Retained earnings to average equity (ytd only) | 1.4975% | 4,492 |
| Net charge-offs to loans | 0.0779% | 1,349 |
| Credit loss provision to net charge-offs | 241.1765% | 933 |
| Earnings coverage of net charge-offs (x) | 20.8824% | 1,453 |
| Efficiency ratio | 80.8134% | 1,061 |
| Assets per employee ($millions) | 4.1870% | 3,672 |
| Cash dividends to net income (ytd only)* | 79.6178% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,091 |
| Loan loss allowance to noncurrent loans | 147.9038% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 3,296 |
| Noncurrent loans to loans | 0.7778% | 2,259 |
| Net loans and leases to total assets | 42.9155% | 4,946 |
| Net loans and leases to deposits | 62.5351% | 4,299 |
| Net loans and leases to core deposits | 65.5974% | 4,335 |
| Total domestic deposits to total assets | 68.6262% | 5,402 |
| Equity capital to assets | 8.2566% | 5,135 |
| Core capital (leverage) ratio | 9.1128% | 4,553 |
| Tier 1 risk-based capital ratio | 19.6993% | 1,393 |
| Total risk-based capital ratio | 20.8005% | 1,396 |
| Memoranda: | ||
| Average total assets | $814,919,500 | 945 |
| Average earning assets | $741,120,000 | 961 |
| Average equity | $68,382,500 | 1,191 |
| Average total loans | $348,979,000 | 1,401 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1556% | 5,237 |
| Cost of funding earning assets | 0.4027% | 3,232 |
| Net interest margin | 2.7529% | 5,224 |
| Noninterest income to average assets | 1.4017% | 538 |
| Noninterest expense to average assets | 2.8845% | 2,507 |
| Loan and lease loss provision to assets | 0.0771% | 2,656 |
| Net operating income to assets | 0.9403% | 2,491 |
| Return on assets (ROA) | 0.9403% | 2,527 |
| Pretax return on assets | 0.9403% | 3,780 |
| Return on Equity (ROE) | 10.9021% | 1,524 |
| Retained earnings to average equity (ytd only) | 5.1777% | 2,016 |
| Net charge-offs to loans | 0.0822% | 2,281 |
| Credit loss provision to net charge-offs | 226.4493% | 1,221 |
| Earnings coverage of net charge-offs (x) | 29.8659% | 1,552 |
| Efficiency ratio | 73.9236% | 1,905 |
| Assets per employee ($millions) | 4.1500% | 3,736 |
| Cash dividends to net income (ytd only)* | 52.5072% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,078 |
| Loan loss allowance to noncurrent loans | 88.9313% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 2,723 |
| Noncurrent loans to loans | 1.2899% | 1,356 |
| Net loans and leases to total assets | 41.7519% | 5,071 |
| Net loans and leases to deposits | 62.7036% | 4,389 |
| Net loans and leases to core deposits | 65.4722% | 4,445 |
| Total domestic deposits to total assets | 66.5861% | 5,506 |
| Equity capital to assets | 8.5785% | 5,060 |
| Core capital (leverage) ratio | 9.0758% | 4,553 |
| Tier 1 risk-based capital ratio | 20.0423% | 1,310 |
| Total risk-based capital ratio | 21.1409% | 1,311 |
| Memoranda: | ||
| Average total assets | $810,131,200 | 923 |
| Average earning assets | $735,773,000 | 931 |
| Average equity | $69,876,400 | 1,136 |
| Average total loans | $335,830,000 | 1,426 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 5,307 |
| Cost of funding earning assets | 0.3733% | 3,435 |
| Net interest margin | 2.7525% | 5,281 |
| Noninterest income to average assets | 1.3418% | 580 |
| Noninterest expense to average assets | 2.8902% | 2,445 |
| Loan and lease loss provision to assets | 0.0691% | 2,693 |
| Net operating income to assets | 0.8805% | 3,130 |
| Return on assets (ROA) | 0.8805% | 3,174 |
| Pretax return on assets | 0.8805% | 4,102 |
| Return on Equity (ROE) | 10.1948% | 2,038 |
| Retained earnings to average equity (ytd only) | 6.3751% | 2,022 |
| Net charge-offs to loans | 0.0592% | 2,276 |
| Credit loss provision to net charge-offs | 283.1081% | 1,034 |
| Earnings coverage of net charge-offs (x) | 38.8983% | 1,333 |
| Efficiency ratio | 75.2685% | 1,697 |
| Assets per employee ($millions) | 4.1948% | 3,657 |
| Cash dividends to net income (ytd only)* | 37.4672% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,262 |
| Loan loss allowance to noncurrent loans | 130.4435% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,551 |
| Noncurrent loans to loans | 0.8728% | 2,191 |
| Net loans and leases to total assets | 41.2101% | 5,150 |
| Net loans and leases to deposits | 61.8551% | 4,517 |
| Net loans and leases to core deposits | 64.6435% | 4,579 |
| Total domestic deposits to total assets | 66.6236% | 5,573 |
| Equity capital to assets | 8.8577% | 5,026 |
| Core capital (leverage) ratio | 9.1501% | 4,567 |
| Tier 1 risk-based capital ratio | 20.4885% | 1,282 |
| Total risk-based capital ratio | 21.5924% | 1,276 |
| Memoranda: | ||
| Average total assets | $808,275,000 | 926 |
| Average earning assets | $733,561,500 | 943 |
| Average equity | $69,812,000 | 1,147 |
| Average total loans | $333,461,000 | 1,440 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1033% | 5,342 |
| Cost of funding earning assets | 0.3348% | 3,750 |
| Net interest margin | 2.7686% | 5,291 |
| Noninterest income to average assets | 1.2799% | 634 |
| Noninterest expense to average assets | 2.9040% | 2,411 |
| Loan and lease loss provision to assets | 0.0638% | 2,691 |
| Net operating income to assets | 0.8248% | 3,272 |
| Return on assets (ROA) | 0.8248% | 3,329 |
| Pretax return on assets | 0.8248% | 4,181 |
| Return on Equity (ROE) | 9.6328% | 2,199 |
| Retained earnings to average equity (ytd only) | 3.8299% | 3,413 |
| Net charge-offs to loans | 0.0502% | 2,211 |
| Credit loss provision to net charge-offs | 309.6386% | 943 |
| Earnings coverage of net charge-offs (x) | 43.0964% | 1,197 |
| Efficiency ratio | 76.5688% | 1,635 |
| Assets per employee ($millions) | 4.1914% | 3,639 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,464 |
| Loan loss allowance to noncurrent loans | 101.9117% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 3,035 |
| Noncurrent loans to loans | 1.0989% | 1,780 |
| Net loans and leases to total assets | 40.6801% | 5,202 |
| Net loans and leases to deposits | 59.0009% | 4,702 |
| Net loans and leases to core deposits | 61.6011% | 4,740 |
| Total domestic deposits to total assets | 68.9484% | 5,572 |
| Equity capital to assets | 8.6935% | 5,147 |
| Core capital (leverage) ratio | 9.0775% | 4,637 |
| Tier 1 risk-based capital ratio | 20.0688% | 1,361 |
| Total risk-based capital ratio | 21.1468% | 1,352 |
| Memoranda: | ||
| Average total assets | $805,037,000 | 938 |
| Average earning assets | $730,630,330 | 952 |
| Average equity | $68,931,000 | 1,162 |
| Average total loans | $330,956,000 | 1,454 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0510% | 5,409 |
| Cost of funding earning assets | 0.3057% | 3,984 |
| Net interest margin | 2.7454% | 5,333 |
| Noninterest income to average assets | 1.2073% | 703 |
| Noninterest expense to average assets | 2.9096% | 2,430 |
| Loan and lease loss provision to assets | 0.0527% | 2,754 |
| Net operating income to assets | 0.7339% | 3,540 |
| Return on assets (ROA) | 0.7339% | 3,594 |
| Pretax return on assets | 0.7339% | 4,333 |
| Return on Equity (ROE) | 8.6397% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.6397% | 1,217 |
| Net charge-offs to loans | 0.0330% | 2,116 |
| Credit loss provision to net charge-offs | 388.8889% | 661 |
| Earnings coverage of net charge-offs (x) | 58.0370% | 822 |
| Efficiency ratio | 78.7179% | 1,528 |
| Assets per employee ($millions) | 4.0959% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,730 |
| Loan loss allowance to noncurrent loans | 86.3903% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 2,922 |
| Noncurrent loans to loans | 1.2699% | 1,588 |
| Net loans and leases to total assets | 40.1862% | 5,246 |
| Net loans and leases to deposits | 57.3997% | 4,740 |
| Net loans and leases to core deposits | 60.1609% | 4,766 |
| Total domestic deposits to total assets | 70.0112% | 5,630 |
| Equity capital to assets | 8.3666% | 5,323 |
| Core capital (leverage) ratio | 9.3666% | 4,262 |
| Tier 1 risk-based capital ratio | 20.1484% | 1,361 |
| Total risk-based capital ratio | 21.2074% | 1,372 |
| Memoranda: | ||
| Average total assets | $796,801,000 | 950 |
| Average earning assets | $722,384,500 | 959 |
| Average equity | $67,687,500 | 1,179 |
| Average total loans | $327,446,000 | 1,472 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 5,268 |
| Cost of funding earning assets | 0.2666% | 4,401 |
| Net interest margin | 2.9561% | 5,039 |
| Noninterest income to average assets | 1.3667% | 616 |
| Noninterest expense to average assets | 2.9939% | 2,370 |
| Loan and lease loss provision to assets | 0.0627% | 3,122 |
| Net operating income to assets | 0.9791% | 2,439 |
| Return on assets (ROA) | 0.9791% | 2,550 |
| Pretax return on assets | 0.9791% | 3,543 |
| Return on Equity (ROE) | 10.8654% | 1,632 |
| Retained earnings to average equity (ytd only) | 2.1835% | 4,290 |
| Net charge-offs to loans | 0.1013% | 2,266 |
| Credit loss provision to net charge-offs | 157.7049% | 1,745 |
| Earnings coverage of net charge-offs (x) | 26.1967% | 1,556 |
| Efficiency ratio | 74.1842% | 2,265 |
| Assets per employee ($millions) | 3.7016% | 4,473 |
| Cash dividends to net income (ytd only)* | 79.9041% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,530 |
| Loan loss allowance to noncurrent loans | 104.7882% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 3,192 |
| Noncurrent loans to loans | 1.0812% | 1,924 |
| Net loans and leases to total assets | 41.1239% | 5,272 |
| Net loans and leases to deposits | 57.8659% | 4,798 |
| Net loans and leases to core deposits | 60.9418% | 4,809 |
| Total domestic deposits to total assets | 71.0676% | 5,614 |
| Equity capital to assets | 8.6334% | 5,161 |
| Core capital (leverage) ratio | 9.4428% | 4,166 |
| Tier 1 risk-based capital ratio | 20.9531% | 1,216 |
| Total risk-based capital ratio | 22.0544% | 1,215 |
| Memoranda: | ||
| Average total assets | $766,905,000 | 939 |
| Average earning assets | $692,432,000 | 961 |
| Average equity | $69,109,000 | 1,137 |
| Average total loans | $300,969,400 | 1,511 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 5,284 |
| Cost of funding earning assets | 0.2623% | 4,474 |
| Net interest margin | 2.9856% | 5,041 |
| Noninterest income to average assets | 1.3778% | 623 |
| Noninterest expense to average assets | 2.9985% | 2,323 |
| Loan and lease loss provision to assets | 0.0582% | 3,081 |
| Net operating income to assets | 1.0177% | 2,348 |
| Return on assets (ROA) | 1.0177% | 2,482 |
| Pretax return on assets | 1.0177% | 3,566 |
| Return on Equity (ROE) | 11.1763% | 1,606 |
| Retained earnings to average equity (ytd only) | 4.4953% | 3,138 |
| Net charge-offs to loans | 0.0949% | 2,006 |
| Credit loss provision to net charge-offs | 158.7678% | 1,711 |
| Earnings coverage of net charge-offs (x) | 29.3361% | 1,511 |
| Efficiency ratio | 73.5933% | 2,359 |
| Assets per employee ($millions) | 4.0571% | 3,859 |
| Cash dividends to net income (ytd only)* | 59.7780% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 3,592 |
| Loan loss allowance to noncurrent loans | 70.6712% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 2,854 |
| Noncurrent loans to loans | 1.6173% | 1,327 |
| Net loans and leases to total assets | 37.7491% | 5,478 |
| Net loans and leases to deposits | 55.0468% | 5,050 |
| Net loans and leases to core deposits | 58.1122% | 5,049 |
| Total domestic deposits to total assets | 68.5764% | 5,755 |
| Equity capital to assets | 9.1083% | 5,062 |
| Core capital (leverage) ratio | 9.4569% | 4,240 |
| Tier 1 risk-based capital ratio | 21.3211% | 1,220 |
| Total risk-based capital ratio | 22.4140% | 1,217 |
| Memoranda: | ||
| Average total assets | $767,076,000 | 939 |
| Average earning assets | $692,810,500 | 964 |
| Average equity | $69,848,500 | 1,134 |
| Average total loans | $296,534,000 | 1,533 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 5,316 |
| Cost of funding earning assets | 0.2613% | 4,535 |
| Net interest margin | 3.0234% | 5,033 |
| Noninterest income to average assets | 1.3519% | 625 |
| Noninterest expense to average assets | 3.0628% | 2,163 |
| Loan and lease loss provision to assets | 0.0490% | 3,171 |
| Net operating income to assets | 0.9769% | 2,487 |
| Return on assets (ROA) | 0.9769% | 2,634 |
| Pretax return on assets | 0.9769% | 3,673 |
| Return on Equity (ROE) | 10.7294% | 1,753 |
| Retained earnings to average equity (ytd only) | 0.4914% | 5,153 |
| Net charge-offs to loans | 0.1084% | 1,741 |
| Credit loss provision to net charge-offs | 116.4557% | 1,904 |
| Earnings coverage of net charge-offs (x) | 24.3797% | 1,550 |
| Efficiency ratio | 74.9088% | 2,232 |
| Assets per employee ($millions) | 3.8246% | 4,224 |
| Cash dividends to net income (ytd only)* | 95.4198% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,503 |
| Loan loss allowance to noncurrent loans | 62.7288% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 2,564 |
| Noncurrent loans to loans | 1.8713% | 1,087 |
| Net loans and leases to total assets | 38.4878% | 5,493 |
| Net loans and leases to deposits | 52.5163% | 5,226 |
| Net loans and leases to core deposits | 55.5303% | 5,199 |
| Total domestic deposits to total assets | 73.2874% | 5,582 |
| Equity capital to assets | 9.2262% | 5,048 |
| Core capital (leverage) ratio | 9.4018% | 4,334 |
| Tier 1 risk-based capital ratio | 21.5219% | 1,198 |
| Total risk-based capital ratio | 22.6303% | 1,193 |
| Memoranda: | ||
| Average total assets | $750,945,330 | 958 |
| Average earning assets | $679,764,000 | 982 |
| Average equity | $68,373,000 | 1,153 |
| Average total loans | $291,581,670 | 1,561 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 5,328 |
| Cost of funding earning assets | 0.2636% | 4,563 |
| Net interest margin | 3.0333% | 5,036 |
| Noninterest income to average assets | 1.2982% | 649 |
| Noninterest expense to average assets | 3.1068% | 2,080 |
| Loan and lease loss provision to assets | 0.0369% | 3,172 |
| Net operating income to assets | 0.9003% | 2,752 |
| Return on assets (ROA) | 0.9003% | 2,882 |
| Pretax return on assets | 0.9003% | 3,842 |
| Return on Equity (ROE) | 9.9548% | 1,999 |
| Retained earnings to average equity (ytd only) | 4.0399% | 3,473 |
| Net charge-offs to loans | 0.0952% | 1,562 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 25.3913% | 1,295 |
| Efficiency ratio | 76.8254% | 2,066 |
| Assets per employee ($millions) | 3.7860% | 4,328 |
| Cash dividends to net income (ytd only)* | 59.4177% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 3,550 |
| Loan loss allowance to noncurrent loans | 65.4909% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 2,750 |
| Noncurrent loans to loans | 1.8148% | 1,224 |
| Net loans and leases to total assets | 37.7153% | 5,566 |
| Net loans and leases to deposits | 51.3448% | 5,258 |
| Net loans and leases to core deposits | 54.5016% | 5,216 |
| Total domestic deposits to total assets | 73.4551% | 5,657 |
| Equity capital to assets | 9.0362% | 5,137 |
| Core capital (leverage) ratio | 9.5037% | 4,191 |
| Tier 1 risk-based capital ratio | 21.8205% | 1,187 |
| Total risk-based capital ratio | 22.9273% | 1,190 |
| Memoranda: | ||
| Average total assets | $747,780,000 | 963 |
| Average earning assets | $676,891,000 | 984 |
| Average equity | $67,625,500 | 1,159 |
| Average total loans | $289,912,000 | 1,562 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0888% | 5,647 |
| Cost of funding earning assets | 0.2456% | 4,828 |
| Net interest margin | 2.8431% | 5,438 |
| Noninterest income to average assets | 1.4621% | 573 |
| Noninterest expense to average assets | 3.3498% | 1,609 |
| Loan and lease loss provision to assets | 0.0354% | 3,638 |
| Net operating income to assets | 0.6428% | 4,068 |
| Return on assets (ROA) | 0.6428% | 4,157 |
| Pretax return on assets | 0.6428% | 4,693 |
| Return on Equity (ROE) | 6.8397% | 3,599 |
| Retained earnings to average equity (ytd only) | 3.7883% | 3,337 |
| Net charge-offs to loans | 0.0974% | 2,445 |
| Credit loss provision to net charge-offs | 90.4762% | 2,755 |
| Earnings coverage of net charge-offs (x) | 17.3260% | 2,083 |
| Efficiency ratio | 83.1625% | 1,260 |
| Assets per employee ($millions) | 3.5328% | 4,770 |
| Cash dividends to net income (ytd only)* | 44.6130% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,582 |
| Loan loss allowance to noncurrent loans | 103.9008% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 3,353 |
| Noncurrent loans to loans | 1.1372% | 2,066 |
| Net loans and leases to total assets | 38.9204% | 5,580 |
| Net loans and leases to deposits | 52.6251% | 5,250 |
| Net loans and leases to core deposits | 54.6138% | 5,275 |
| Total domestic deposits to total assets | 73.9578% | 5,651 |
| Equity capital to assets | 9.0510% | 5,079 |
| Core capital (leverage) ratio | 9.9391% | 3,597 |
| Tier 1 risk-based capital ratio | 22.3681% | 1,104 |
| Total risk-based capital ratio | 23.5137% | 1,091 |
| Memoranda: | ||
| Average total assets | $697,424,600 | 995 |
| Average earning assets | $629,409,400 | 1,008 |
| Average equity | $65,544,000 | 1,152 |
| Average total loans | $280,274,200 | 1,559 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 5,740 |
| Cost of funding earning assets | 0.2525% | 4,854 |
| Net interest margin | 2.8191% | 5,551 |
| Noninterest income to average assets | 1.4414% | 599 |
| Noninterest expense to average assets | 3.3971% | 1,484 |
| Loan and lease loss provision to assets | 0.0351% | 3,520 |
| Net operating income to assets | 0.5497% | 4,590 |
| Return on assets (ROA) | 0.5497% | 4,694 |
| Pretax return on assets | 0.5497% | 5,099 |
| Return on Equity (ROE) | 5.7913% | 4,248 |
| Retained earnings to average equity (ytd only) | 1.7028% | 5,017 |
| Net charge-offs to loans | 0.1018% | 2,121 |
| Credit loss provision to net charge-offs | 85.3774% | 2,533 |
| Earnings coverage of net charge-offs (x) | 14.2170% | 2,263 |
| Efficiency ratio | 85.3140% | 1,054 |
| Assets per employee ($millions) | 3.3217% | 5,090 |
| Cash dividends to net income (ytd only)* | 70.5965% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,584 |
| Loan loss allowance to noncurrent loans | 82.7104% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 3,078 |
| Noncurrent loans to loans | 1.4640% | 1,710 |
| Net loans and leases to total assets | 39.7369% | 5,604 |
| Net loans and leases to deposits | 52.0973% | 5,367 |
| Net loans and leases to core deposits | 54.1426% | 5,395 |
| Total domestic deposits to total assets | 76.2743% | 5,447 |
| Equity capital to assets | 9.4074% | 4,874 |
| Core capital (leverage) ratio | 9.8492% | 3,836 |
| Tier 1 risk-based capital ratio | 22.9181% | 1,063 |
| Total risk-based capital ratio | 24.1126% | 1,053 |
| Memoranda: | ||
| Average total assets | $687,189,750 | 1,013 |
| Average earning assets | $619,292,000 | 1,020 |
| Average equity | $65,222,750 | 1,163 |
| Average total loans | $277,640,250 | 1,579 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0780% | 5,764 |
| Cost of funding earning assets | 0.2567% | 4,875 |
| Net interest margin | 2.8214% | 5,570 |
| Noninterest income to average assets | 1.4224% | 626 |
| Noninterest expense to average assets | 3.4100% | 1,455 |
| Loan and lease loss provision to assets | 0.0255% | 3,624 |
| Net operating income to assets | 0.5256% | 4,668 |
| Return on assets (ROA) | 0.5256% | 4,767 |
| Pretax return on assets | 0.5256% | 5,158 |
| Return on Equity (ROE) | 5.5209% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.5209% | 2,523 |
| Net charge-offs to loans | 0.0892% | 2,134 |
| Credit loss provision to net charge-offs | 70.7317% | 2,454 |
| Earnings coverage of net charge-offs (x) | 15.2683% | 1,985 |
| Efficiency ratio | 86.0868% | 1,054 |
| Assets per employee ($millions) | 3.2484% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,534 |
| Loan loss allowance to noncurrent loans | 87.7755% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 3,247 |
| Noncurrent loans to loans | 1.4178% | 1,892 |
| Net loans and leases to total assets | 39.2803% | 5,672 |
| Net loans and leases to deposits | 50.9728% | 5,453 |
| Net loans and leases to core deposits | 53.0281% | 5,485 |
| Total domestic deposits to total assets | 77.0613% | 5,448 |
| Equity capital to assets | 9.5809% | 4,559 |
| Core capital (leverage) ratio | 10.2447% | 3,288 |
| Tier 1 risk-based capital ratio | 24.1143% | 944 |
| Total risk-based capital ratio | 25.3526% | 935 |
| Memoranda: | ||
| Average total assets | $681,516,330 | 1,023 |
| Average earning assets | $613,250,330 | 1,036 |
| Average equity | $64,881,000 | 1,181 |
| Average total loans | $275,766,670 | 1,594 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1032% | 5,778 |
| Cost of funding earning assets | 0.2668% | 4,828 |
| Net interest margin | 2.8365% | 5,576 |
| Noninterest income to average assets | 1.3674% | 618 |
| Noninterest expense to average assets | 3.4682% | 1,375 |
| Loan and lease loss provision to assets | 0.0148% | 3,532 |
| Net operating income to assets | 0.4312% | 4,941 |
| Return on assets (ROA) | 0.4312% | 5,061 |
| Pretax return on assets | 0.4312% | 5,360 |
| Return on Equity (ROE) | 4.5438% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.5438% | 3,302 |
| Net charge-offs to loans | 0.0290% | 2,602 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 37.7000% | 1,012 |
| Efficiency ratio | 88.6068% | 967 |
| Assets per employee ($millions) | 3.0605% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 3,613 |
| Loan loss allowance to noncurrent loans | 95.2983% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 3,058 |
| Noncurrent loans to loans | 1.3255% | 2,173 |
| Net loans and leases to total assets | 39.8734% | 5,604 |
| Net loans and leases to deposits | 50.1745% | 5,451 |
| Net loans and leases to core deposits | 52.0663% | 5,485 |
| Total domestic deposits to total assets | 79.4695% | 5,180 |
| Equity capital to assets | 9.6418% | 4,583 |
| Core capital (leverage) ratio | 10.1576% | 3,389 |
| Tier 1 risk-based capital ratio | 23.9228% | 1,002 |
| Total risk-based capital ratio | 25.1731% | 989 |
| Memoranda: | ||
| Average total assets | $676,321,500 | 1,032 |
| Average earning assets | $607,236,500 | 1,051 |
| Average equity | $64,176,000 | 1,190 |
| Average total loans | $276,046,000 | 1,585 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 5,776 |
| Cost of funding earning assets | 0.3142% | 4,642 |
| Net interest margin | 2.9306% | 5,582 |
| Noninterest income to average assets | 1.6383% | 472 |
| Noninterest expense to average assets | 3.4302% | 1,639 |
| Loan and lease loss provision to assets | 0.0418% | 3,743 |
| Net operating income to assets | 0.7854% | 3,442 |
| Return on assets (ROA) | 0.7854% | 3,536 |
| Pretax return on assets | 0.7854% | 4,310 |
| Return on Equity (ROE) | 8.5675% | 2,804 |
| Retained earnings to average equity (ytd only) | 6.2479% | 1,781 |
| Net charge-offs to loans | 0.0862% | 3,257 |
| Credit loss provision to net charge-offs | 109.1270% | 2,183 |
| Earnings coverage of net charge-offs (x) | 21.6111% | 1,668 |
| Efficiency ratio | 80.5715% | 1,840 |
| Assets per employee ($millions) | 3.2522% | 5,344 |
| Cash dividends to net income (ytd only)* | 27.0741% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 3,739 |
| Loan loss allowance to noncurrent loans | 95.7930% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 3,127 |
| Noncurrent loans to loans | 1.3010% | 2,274 |
| Net loans and leases to total assets | 40.7380% | 5,698 |
| Net loans and leases to deposits | 53.1690% | 5,397 |
| Net loans and leases to core deposits | 55.2746% | 5,427 |
| Total domestic deposits to total assets | 76.6198% | 5,653 |
| Equity capital to assets | 9.3347% | 4,926 |
| Core capital (leverage) ratio | 10.1612% | 3,356 |
| Tier 1 risk-based capital ratio | 23.5069% | 1,005 |
| Total risk-based capital ratio | 24.7568% | 987 |
| Memoranda: | ||
| Average total assets | $658,410,600 | 1,016 |
| Average earning assets | $588,412,400 | 1,041 |
| Average equity | $60,355,800 | 1,214 |
| Average total loans | $292,369,800 | 1,461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 5,807 |
| Cost of funding earning assets | 0.3210% | 4,659 |
| Net interest margin | 2.9494% | 5,602 |
| Noninterest income to average assets | 1.6255% | 489 |
| Noninterest expense to average assets | 3.4644% | 1,542 |
| Loan and lease loss provision to assets | 0.0420% | 3,558 |
| Net operating income to assets | 0.7515% | 3,664 |
| Return on assets (ROA) | 0.7515% | 3,761 |
| Pretax return on assets | 0.7515% | 4,525 |
| Return on Equity (ROE) | 8.2363% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.2363% | 1,249 |
| Net charge-offs to loans | 0.0851% | 2,990 |
| Credit loss provision to net charge-offs | 108.9947% | 2,053 |
| Earnings coverage of net charge-offs (x) | 20.6141% | 1,724 |
| Efficiency ratio | 81.3660% | 1,696 |
| Assets per employee ($millions) | 3.1979% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,357 |
| Loan loss allowance to noncurrent loans | 100.2902% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 3,353 |
| Noncurrent loans to loans | 1.1720% | 2,718 |
| Net loans and leases to total assets | 43.8957% | 5,525 |
| Net loans and leases to deposits | 55.9470% | 5,243 |
| Net loans and leases to core deposits | 58.8631% | 5,278 |
| Total domestic deposits to total assets | 78.4594% | 5,441 |
| Equity capital to assets | 9.4502% | 4,857 |
| Core capital (leverage) ratio | 10.3023% | 3,294 |
| Tier 1 risk-based capital ratio | 22.9694% | 1,118 |
| Total risk-based capital ratio | 24.1921% | 1,103 |
| Memoranda: | ||
| Average total assets | $654,712,000 | 1,029 |
| Average earning assets | $584,328,000 | 1,055 |
| Average equity | $59,734,250 | 1,234 |
| Average total loans | $296,034,500 | 1,451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 5,807 |
| Cost of funding earning assets | 0.3283% | 4,661 |
| Net interest margin | 2.9627% | 5,603 |
| Noninterest income to average assets | 1.6066% | 491 |
| Noninterest expense to average assets | 3.4537% | 1,567 |
| Loan and lease loss provision to assets | 0.0368% | 3,556 |
| Net operating income to assets | 0.7589% | 3,523 |
| Return on assets (ROA) | 0.7589% | 3,625 |
| Pretax return on assets | 0.7589% | 4,423 |
| Return on Equity (ROE) | 8.4193% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.4193% | 1,167 |
| Net charge-offs to loans | 0.0762% | 2,934 |
| Credit loss provision to net charge-offs | 106.1947% | 1,886 |
| Earnings coverage of net charge-offs (x) | 22.9646% | 1,486 |
| Efficiency ratio | 81.2757% | 1,841 |
| Assets per employee ($millions) | 3.1515% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 4,739 |
| Loan loss allowance to noncurrent loans | 102.0130% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 3,451 |
| Noncurrent loans to loans | 1.1125% | 2,998 |
| Net loans and leases to total assets | 45.3581% | 5,427 |
| Net loans and leases to deposits | 57.8990% | 5,051 |
| Net loans and leases to core deposits | 60.9465% | 5,059 |
| Total domestic deposits to total assets | 78.3401% | 5,575 |
| Equity capital to assets | 9.2536% | 5,030 |
| Core capital (leverage) ratio | 10.1200% | 3,446 |
| Tier 1 risk-based capital ratio | 22.3985% | 1,205 |
| Total risk-based capital ratio | 23.6038% | 1,189 |
| Memoranda: | ||
| Average total assets | $652,295,000 | 1,039 |
| Average earning assets | $581,839,000 | 1,057 |
| Average equity | $58,793,330 | 1,244 |
| Average total loans | $296,703,000 | 1,448 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,875 |
| Cost of funding earning assets | 0.3353% | 4,689 |
| Net interest margin | 2.9478% | 5,647 |
| Noninterest income to average assets | 1.3769% | 612 |
| Noninterest expense to average assets | 3.2838% | 1,981 |
| Loan and lease loss provision to assets | 0.0451% | 3,202 |
| Net operating income to assets | 0.6764% | 3,809 |
| Return on assets (ROA) | 0.6764% | 3,892 |
| Pretax return on assets | 0.6764% | 4,567 |
| Return on Equity (ROE) | 7.6082% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.6082% | 1,765 |
| Net charge-offs to loans | 0.0914% | 2,245 |
| Credit loss provision to net charge-offs | 108.9552% | 1,549 |
| Earnings coverage of net charge-offs (x) | 17.4328% | 1,459 |
| Efficiency ratio | 81.9864% | 1,926 |
| Assets per employee ($millions) | 3.0054% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 4,797 |
| Loan loss allowance to noncurrent loans | 109.4028% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 3,501 |
| Noncurrent loans to loans | 1.0661% | 3,292 |
| Net loans and leases to total assets | 44.9541% | 5,432 |
| Net loans and leases to deposits | 56.4735% | 5,079 |
| Net loans and leases to core deposits | 59.5946% | 5,073 |
| Total domestic deposits to total assets | 79.6022% | 5,569 |
| Equity capital to assets | 9.0333% | 5,083 |
| Core capital (leverage) ratio | 10.0824% | 3,450 |
| Tier 1 risk-based capital ratio | 22.5364% | 1,201 |
| Total risk-based capital ratio | 23.7687% | 1,187 |
| Memoranda: | ||
| Average total assets | $647,539,000 | 1,057 |
| Average earning assets | $577,386,500 | 1,074 |
| Average equity | $57,569,500 | 1,263 |
| Average total loans | $293,240,000 | 1,466 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 5,922 |
| Cost of funding earning assets | 0.4785% | 3,832 |
| Net interest margin | 2.8660% | 5,865 |
| Noninterest income to average assets | 1.6617% | 521 |
| Noninterest expense to average assets | 3.4377% | 1,796 |
| Loan and lease loss provision to assets | 0.0538% | 4,066 |
| Net operating income to assets | 0.7468% | 3,568 |
| Return on assets (ROA) | 0.7468% | 3,660 |
| Pretax return on assets | 0.7468% | 4,356 |
| Return on Equity (ROE) | 8.1663% | 2,946 |
| Retained earnings to average equity (ytd only) | 4.7736% | 2,750 |
| Net charge-offs to loans | 0.1652% | 3,158 |
| Credit loss provision to net charge-offs | 72.7463% | 3,231 |
| Earnings coverage of net charge-offs (x) | 10.8197% | 2,314 |
| Efficiency ratio | 81.1105% | 2,011 |
| Assets per employee ($millions) | 2.9903% | 5,848 |
| Cash dividends to net income (ytd only)* | 41.5455% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 4,750 |
| Loan loss allowance to noncurrent loans | 99.3643% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 3,976 |
| Noncurrent loans to loans | 1.1885% | 3,164 |
| Net loans and leases to total assets | 44.5525% | 5,621 |
| Net loans and leases to deposits | 57.7927% | 5,141 |
| Net loans and leases to core deposits | 61.2382% | 5,129 |
| Total domestic deposits to total assets | 77.0901% | 5,953 |
| Equity capital to assets | 8.7470% | 5,314 |
| Core capital (leverage) ratio | 9.8593% | 3,758 |
| Tier 1 risk-based capital ratio | 22.4186% | 1,187 |
| Total risk-based capital ratio | 23.6692% | 1,168 |
| Memoranda: | ||
| Average total assets | $644,641,800 | 1,034 |
| Average earning assets | $579,556,000 | 1,054 |
| Average equity | $58,949,800 | 1,219 |
| Average total loans | $288,804,000 | 1,472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3455% | 5,980 |
| Cost of funding earning assets | 0.4943% | 3,827 |
| Net interest margin | 2.8511% | 5,916 |
| Noninterest income to average assets | 1.6608% | 541 |
| Noninterest expense to average assets | 3.4505% | 1,715 |
| Loan and lease loss provision to assets | 0.0801% | 3,458 |
| Net operating income to assets | 0.6974% | 3,875 |
| Return on assets (ROA) | 0.6974% | 4,015 |
| Pretax return on assets | 0.6974% | 4,702 |
| Return on Equity (ROE) | 7.5436% | 3,354 |
| Retained earnings to average equity (ytd only) | 3.0667% | 4,484 |
| Net charge-offs to loans | 0.1652% | 2,907 |
| Credit loss provision to net charge-offs | 108.4034% | 2,164 |
| Earnings coverage of net charge-offs (x) | 10.5238% | 2,346 |
| Efficiency ratio | 81.6122% | 1,882 |
| Assets per employee ($millions) | 2.9361% | 5,949 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,808 |
| Loan loss allowance to noncurrent loans | 78.2174% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 3,761 |
| Noncurrent loans to loans | 1.5506% | 2,841 |
| Net loans and leases to total assets | 44.9603% | 5,632 |
| Net loans and leases to deposits | 60.2086% | 4,950 |
| Net loans and leases to core deposits | 63.6343% | 4,931 |
| Total domestic deposits to total assets | 74.6743% | 6,312 |
| Equity capital to assets | 8.5125% | 5,725 |
| Core capital (leverage) ratio | 9.5677% | 4,300 |
| Tier 1 risk-based capital ratio | 22.1205% | 1,300 |
| Total risk-based capital ratio | 23.3719% | 1,281 |
| Memoranda: | ||
| Average total assets | $644,327,000 | 1,046 |
| Average earning assets | $580,150,500 | 1,059 |
| Average equity | $59,563,000 | 1,220 |
| Average total loans | $288,204,000 | 1,473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,970 |
| Cost of funding earning assets | 0.5335% | 3,567 |
| Net interest margin | 2.8354% | 5,931 |
| Noninterest income to average assets | 1.5730% | 637 |
| Noninterest expense to average assets | 3.3844% | 1,861 |
| Loan and lease loss provision to assets | 0.0788% | 3,480 |
| Net operating income to assets | 0.6637% | 4,001 |
| Return on assets (ROA) | 0.6637% | 4,153 |
| Pretax return on assets | 0.6637% | 4,806 |
| Return on Equity (ROE) | 6.9925% | 3,602 |
| Retained earnings to average equity (ytd only) | 0.4268% | 5,724 |
| Net charge-offs to loans | 0.1640% | 2,803 |
| Credit loss provision to net charge-offs | 108.1197% | 2,052 |
| Earnings coverage of net charge-offs (x) | 10.1838% | 2,180 |
| Efficiency ratio | 82.0069% | 1,887 |
| Assets per employee ($millions) | 2.8889% | 6,037 |
| Cash dividends to net income (ytd only)* | 93.8967% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 4,927 |
| Loan loss allowance to noncurrent loans | 87.3812% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 4,027 |
| Noncurrent loans to loans | 1.3855% | 3,225 |
| Net loans and leases to total assets | 44.6340% | 5,683 |
| Net loans and leases to deposits | 62.0384% | 4,738 |
| Net loans and leases to core deposits | 65.9040% | 4,700 |
| Total domestic deposits to total assets | 71.9458% | 6,563 |
| Equity capital to assets | 8.3262% | 5,945 |
| Core capital (leverage) ratio | 9.4141% | 4,366 |
| Tier 1 risk-based capital ratio | 22.4095% | 1,219 |
| Total risk-based capital ratio | 23.6608% | 1,199 |
| Memoranda: | ||
| Average total assets | $641,829,670 | 1,047 |
| Average earning assets | $578,113,670 | 1,061 |
| Average equity | $60,922,000 | 1,195 |
| Average total loans | $285,386,000 | 1,487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 6,091 |
| Cost of funding earning assets | 0.5701% | 3,380 |
| Net interest margin | 2.7603% | 6,113 |
| Noninterest income to average assets | 1.6823% | 552 |
| Noninterest expense to average assets | 3.4357% | 1,752 |
| Loan and lease loss provision to assets | 0.0113% | 4,308 |
| Net operating income to assets | 0.7214% | 3,582 |
| Return on assets (ROA) | 0.7214% | 3,718 |
| Pretax return on assets | 0.7214% | 4,480 |
| Return on Equity (ROE) | 7.1470% | 3,413 |
| Retained earnings to average equity (ytd only) | -5.3369% | 6,385 |
| Net charge-offs to loans | 0.0171% | 3,814 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 96.9167% | 390 |
| Efficiency ratio | 82.4214% | 1,975 |
| Assets per employee ($millions) | 2.9319% | 6,103 |
| Cash dividends to net income (ytd only)* | 174.6725% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,775 |
| Loan loss allowance to noncurrent loans | 108.7976% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 4,513 |
| Noncurrent loans to loans | 1.1807% | 3,798 |
| Net loans and leases to total assets | 42.0093% | 5,840 |
| Net loans and leases to deposits | 57.4170% | 5,098 |
| Net loans and leases to core deposits | 61.1867% | 5,031 |
| Total domestic deposits to total assets | 73.1653% | 6,589 |
| Equity capital to assets | 9.6909% | 4,576 |
| Core capital (leverage) ratio | 9.2882% | 4,420 |
| Tier 1 risk-based capital ratio | 22.6956% | 1,205 |
| Total risk-based capital ratio | 23.9511% | 1,185 |
| Memoranda: | ||
| Average total assets | $634,858,000 | 1,074 |
| Average earning assets | $571,827,500 | 1,078 |
| Average equity | $64,082,500 | 1,154 |
| Average total loans | $279,936,500 | 1,526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 6,152 |
| Cost of funding earning assets | 0.6443% | 3,969 |
| Net interest margin | 2.9938% | 6,067 |
| Noninterest income to average assets | 2.1562% | 390 |
| Noninterest expense to average assets | 3.5119% | 1,786 |
| Loan and lease loss provision to assets | 0.0822% | 4,673 |
| Net operating income to assets | 1.2325% | 1,496 |
| Return on assets (ROA) | 1.2325% | 1,665 |
| Pretax return on assets | 1.2325% | 2,665 |
| Return on Equity (ROE) | 12.2038% | 1,446 |
| Retained earnings to average equity (ytd only) | 5.8194% | 2,180 |
| Net charge-offs to loans | 0.1852% | 3,903 |
| Credit loss provision to net charge-offs | 99.8043% | 3,105 |
| Earnings coverage of net charge-offs (x) | 15.9609% | 1,613 |
| Efficiency ratio | 72.7607% | 3,277 |
| Assets per employee ($millions) | 2.8253% | 6,280 |
| Cash dividends to net income (ytd only)* | 52.3149% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,798 |
| Loan loss allowance to noncurrent loans | 82.1363% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 4,105 |
| Noncurrent loans to loans | 1.5424% | 3,299 |
| Net loans and leases to total assets | 45.1481% | 5,707 |
| Net loans and leases to deposits | 58.4116% | 5,193 |
| Net loans and leases to core deposits | 62.3336% | 5,123 |
| Total domestic deposits to total assets | 77.2931% | 6,192 |
| Equity capital to assets | 10.5219% | 3,501 |
| Core capital (leverage) ratio | 9.9977% | 3,402 |
| Tier 1 risk-based capital ratio | 23.9869% | 973 |
| Total risk-based capital ratio | 25.2449% | 953 |
| Memoranda: | ||
| Average total assets | $620,341,800 | 1,069 |
| Average earning assets | $553,334,400 | 1,096 |
| Average equity | $62,652,400 | 1,137 |
| Average total loans | $275,865,200 | 1,509 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 6,247 |
| Cost of funding earning assets | 0.6558% | 4,144 |
| Net interest margin | 3.0287% | 6,108 |
| Noninterest income to average assets | 1.9835% | 428 |
| Noninterest expense to average assets | 3.4810% | 1,803 |
| Loan and lease loss provision to assets | 0.0938% | 4,418 |
| Net operating income to assets | 1.1066% | 2,063 |
| Return on assets (ROA) | 1.1066% | 2,252 |
| Pretax return on assets | 1.1066% | 3,328 |
| Return on Equity (ROE) | 11.0718% | 1,931 |
| Retained earnings to average equity (ytd only) | 2.4857% | 5,085 |
| Net charge-offs to loans | 0.1817% | 3,662 |
| Credit loss provision to net charge-offs | 116.8449% | 2,490 |
| Earnings coverage of net charge-offs (x) | 14.9600% | 1,806 |
| Efficiency ratio | 74.3584% | 2,925 |
| Assets per employee ($millions) | 2.8578% | 6,283 |
| Cash dividends to net income (ytd only)* | 77.5495% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,830 |
| Loan loss allowance to noncurrent loans | 122.7442% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 4,848 |
| Noncurrent loans to loans | 1.0565% | 4,327 |
| Net loans and leases to total assets | 44.1719% | 5,952 |
| Net loans and leases to deposits | 59.0263% | 5,315 |
| Net loans and leases to core deposits | 63.1422% | 5,251 |
| Total domestic deposits to total assets | 74.8343% | 6,535 |
| Equity capital to assets | 10.0599% | 4,404 |
| Core capital (leverage) ratio | 9.4449% | 4,358 |
| Tier 1 risk-based capital ratio | 22.2669% | 1,283 |
| Total risk-based capital ratio | 23.5262% | 1,266 |
| Memoranda: | ||
| Average total assets | $621,450,750 | 1,073 |
| Average earning assets | $553,576,250 | 1,104 |
| Average equity | $62,114,250 | 1,158 |
| Average total loans | $274,422,000 | 1,525 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 6,216 |
| Cost of funding earning assets | 0.6742% | 4,236 |
| Net interest margin | 3.0916% | 6,029 |
| Noninterest income to average assets | 1.9710% | 415 |
| Noninterest expense to average assets | 3.4911% | 1,805 |
| Loan and lease loss provision to assets | 0.1148% | 4,093 |
| Net operating income to assets | 1.1194% | 1,982 |
| Return on assets (ROA) | 1.1194% | 2,195 |
| Pretax return on assets | 1.1194% | 3,233 |
| Return on Equity (ROE) | 11.2240% | 1,911 |
| Retained earnings to average equity (ytd only) | 6.3721% | 2,458 |
| Net charge-offs to loans | 0.2312% | 3,184 |
| Credit loss provision to net charge-offs | 113.0159% | 2,413 |
| Earnings coverage of net charge-offs (x) | 12.1460% | 1,901 |
| Efficiency ratio | 73.8804% | 3,095 |
| Assets per employee ($millions) | 2.7941% | 6,413 |
| Cash dividends to net income (ytd only)* | 43.2277% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,767 |
| Loan loss allowance to noncurrent loans | 115.8165% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 4,733 |
| Noncurrent loans to loans | 1.1444% | 4,240 |
| Net loans and leases to total assets | 43.5254% | 6,064 |
| Net loans and leases to deposits | 57.6134% | 5,495 |
| Net loans and leases to core deposits | 62.0065% | 5,386 |
| Total domestic deposits to total assets | 75.5474% | 6,524 |
| Equity capital to assets | 10.2391% | 4,006 |
| Core capital (leverage) ratio | 9.7014% | 3,829 |
| Tier 1 risk-based capital ratio | 22.8979% | 1,147 |
| Total risk-based capital ratio | 24.1537% | 1,127 |
| Memoranda: | ||
| Average total assets | $619,979,670 | 1,072 |
| Average earning assets | $552,334,670 | 1,102 |
| Average equity | $61,832,000 | 1,152 |
| Average total loans | $272,533,330 | 1,537 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 6,341 |
| Cost of funding earning assets | 0.7040% | 4,244 |
| Net interest margin | 3.0492% | 6,184 |
| Noninterest income to average assets | 2.0720% | 384 |
| Noninterest expense to average assets | 3.5652% | 1,639 |
| Loan and lease loss provision to assets | 0.1816% | 3,156 |
| Net operating income to assets | 1.0528% | 2,274 |
| Return on assets (ROA) | 1.0528% | 2,467 |
| Pretax return on assets | 1.0528% | 3,492 |
| Return on Equity (ROE) | 10.6975% | 2,138 |
| Retained earnings to average equity (ytd only) | 0.8833% | 5,712 |
| Net charge-offs to loans | 0.0264% | 4,313 |
| Credit loss provision to net charge-offs | 1,566.6667% | 211 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 326 |
| Efficiency ratio | 74.2823% | 3,055 |
| Assets per employee ($millions) | 3.0845% | 5,991 |
| Cash dividends to net income (ytd only)* | 91.7431% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,632 |
| Loan loss allowance to noncurrent loans | 103.4827% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 4,982 |
| Noncurrent loans to loans | 1.3492% | 4,091 |
| Net loans and leases to total assets | 41.7917% | 6,211 |
| Net loans and leases to deposits | 60.2356% | 5,118 |
| Net loans and leases to core deposits | 64.8483% | 5,028 |
| Total domestic deposits to total assets | 69.3804% | 7,007 |
| Equity capital to assets | 9.4325% | 4,898 |
| Core capital (leverage) ratio | 8.9626% | 4,894 |
| Tier 1 risk-based capital ratio | 22.0981% | 1,273 |
| Total risk-based capital ratio | 23.3527% | 1,241 |
| Memoranda: | ||
| Average total assets | $621,225,500 | 1,070 |
| Average earning assets | $555,688,000 | 1,098 |
| Average equity | $61,135,500 | 1,165 |
| Average total loans | $272,613,000 | 1,544 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 6,324 |
| Cost of funding earning assets | 1.0013% | 3,371 |
| Net interest margin | 3.0660% | 6,415 |
| Noninterest income to average assets | 1.7195% | 480 |
| Noninterest expense to average assets | 3.1892% | 2,905 |
| Loan and lease loss provision to assets | 0.0859% | 5,525 |
| Net operating income to assets | 1.1821% | 1,559 |
| Return on assets (ROA) | 1.2185% | 1,570 |
| Pretax return on assets | 1.2185% | 2,393 |
| Return on Equity (ROE) | 12.4933% | 1,283 |
| Retained earnings to average equity (ytd only) | 5.4813% | 2,311 |
| Net charge-offs to loans | 0.1669% | 4,816 |
| Credit loss provision to net charge-offs | 110.2784% | 3,034 |
| Earnings coverage of net charge-offs (x) | 16.2784% | 1,339 |
| Efficiency ratio | 71.5515% | 3,674 |
| Assets per employee ($millions) | 2.8869% | 6,307 |
| Cash dividends to net income (ytd only)* | 56.1259% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,814 |
| Loan loss allowance to noncurrent loans | 104.6921% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 4,827 |
| Noncurrent loans to loans | 1.2598% | 4,266 |
| Net loans and leases to total assets | 44.9163% | 6,118 |
| Net loans and leases to deposits | 61.2134% | 5,346 |
| Net loans and leases to core deposits | 66.3881% | 5,214 |
| Total domestic deposits to total assets | 73.3765% | 6,775 |
| Equity capital to assets | 10.2862% | 3,800 |
| Core capital (leverage) ratio | 9.3583% | 4,240 |
| Tier 1 risk-based capital ratio | 21.7278% | 1,277 |
| Total risk-based capital ratio | 22.9555% | 1,248 |
| Memoranda: | ||
| Average total assets | $599,522,200 | 1,098 |
| Average earning assets | $535,330,000 | 1,119 |
| Average equity | $58,471,400 | 1,164 |
| Average total loans | $279,805,400 | 1,520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 6,629 |
| Cost of funding earning assets | 1.0446% | 3,358 |
| Net interest margin | 2.9303% | 6,709 |
| Noninterest income to average assets | 1.5823% | 527 |
| Noninterest expense to average assets | 3.1667% | 2,933 |
| Loan and lease loss provision to assets | 0.0646% | 5,645 |
| Net operating income to assets | 0.9739% | 2,414 |
| Return on assets (ROA) | 1.0190% | 2,411 |
| Pretax return on assets | 1.0190% | 3,334 |
| Return on Equity (ROE) | 10.5910% | 2,000 |
| Retained earnings to average equity (ytd only) | 4.5930% | 3,452 |
| Net charge-offs to loans | 0.1243% | 4,796 |
| Credit loss provision to net charge-offs | 110.6464% | 2,980 |
| Earnings coverage of net charge-offs (x) | 17.7908% | 1,332 |
| Efficiency ratio | 75.3048% | 2,960 |
| Assets per employee ($millions) | 3.1189% | 5,865 |
| Cash dividends to net income (ytd only)* | 56.6325% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 5,310 |
| Loan loss allowance to noncurrent loans | 129.5148% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 5,401 |
| Noncurrent loans to loans | 0.9565% | 4,971 |
| Net loans and leases to total assets | 44.4843% | 6,283 |
| Net loans and leases to deposits | 64.0650% | 5,160 |
| Net loans and leases to core deposits | 69.2299% | 5,036 |
| Total domestic deposits to total assets | 69.4362% | 7,066 |
| Equity capital to assets | 9.4496% | 5,165 |
| Core capital (leverage) ratio | 9.0067% | 4,915 |
| Tier 1 risk-based capital ratio | 20.2886% | 1,622 |
| Total risk-based capital ratio | 21.0550% | 1,707 |
| Memoranda: | ||
| Average total assets | $600,727,750 | 1,098 |
| Average earning assets | $537,732,000 | 1,121 |
| Average equity | $57,796,250 | 1,177 |
| Average total loans | $282,085,000 | 1,527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 6,586 |
| Cost of funding earning assets | 1.1076% | 3,183 |
| Net interest margin | 2.9360% | 6,724 |
| Noninterest income to average assets | 1.7789% | 433 |
| Noninterest expense to average assets | 3.3001% | 2,563 |
| Loan and lease loss provision to assets | 0.0499% | 5,689 |
| Net operating income to assets | 1.0515% | 2,031 |
| Return on assets (ROA) | 1.1204% | 1,896 |
| Pretax return on assets | 1.1204% | 2,771 |
| Return on Equity (ROE) | 11.5712% | 1,614 |
| Retained earnings to average equity (ytd only) | 2.4517% | 4,725 |
| Net charge-offs to loans | 0.0955% | 4,720 |
| Credit loss provision to net charge-offs | 109.7015% | 2,802 |
| Earnings coverage of net charge-offs (x) | 24.2015% | 1,070 |
| Efficiency ratio | 74.9769% | 3,182 |
| Assets per employee ($millions) | 2.8351% | 6,410 |
| Cash dividends to net income (ytd only)* | 78.8118% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,327 |
| Loan loss allowance to noncurrent loans | 217.0043% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 5,757 |
| Noncurrent loans to loans | 0.5746% | 5,775 |
| Net loans and leases to total assets | 46.7977% | 6,175 |
| Net loans and leases to deposits | 65.1923% | 5,114 |
| Net loans and leases to core deposits | 70.7828% | 4,979 |
| Total domestic deposits to total assets | 71.7842% | 7,022 |
| Equity capital to assets | 9.7696% | 4,427 |
| Core capital (leverage) ratio | 9.3311% | 4,205 |
| Tier 1 risk-based capital ratio | 20.3150% | 1,554 |
| Total risk-based capital ratio | 21.0679% | 1,620 |
| Memoranda: | ||
| Average total assets | $588,888,000 | 1,133 |
| Average earning assets | $526,023,000 | 1,159 |
| Average equity | $57,020,670 | 1,176 |
| Average total loans | $280,586,670 | 1,545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 6,521 |
| Cost of funding earning assets | 1.1689% | 3,029 |
| Net interest margin | 2.9191% | 6,728 |
| Noninterest income to average assets | 1.6439% | 497 |
| Noninterest expense to average assets | 3.3035% | 2,549 |
| Loan and lease loss provision to assets | 0.0294% | 5,599 |
| Net operating income to assets | 0.9168% | 2,487 |
| Return on assets (ROA) | 0.9483% | 2,431 |
| Pretax return on assets | 0.9483% | 3,324 |
| Return on Equity (ROE) | 9.8384% | 2,156 |
| Retained earnings to average equity (ytd only) | -8.6308% | 6,794 |
| Net charge-offs to loans | 0.0516% | 4,421 |
| Credit loss provision to net charge-offs | 119.4444% | 2,284 |
| Earnings coverage of net charge-offs (x) | 38.3889% | 703 |
| Efficiency ratio | 77.7348% | 2,880 |
| Assets per employee ($millions) | 2.7797% | 6,569 |
| Cash dividends to net income (ytd only)* | 187.7256% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 5,314 |
| Loan loss allowance to noncurrent loans | 331.9849% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 5,390 |
| Noncurrent loans to loans | 0.3815% | 6,236 |
| Net loans and leases to total assets | 46.6879% | 6,214 |
| Net loans and leases to deposits | 65.2784% | 5,081 |
| Net loans and leases to core deposits | 71.4820% | 4,854 |
| Total domestic deposits to total assets | 71.5212% | 7,108 |
| Equity capital to assets | 9.4201% | 4,540 |
| Core capital (leverage) ratio | 9.2163% | 4,260 |
| Tier 1 risk-based capital ratio | 19.7232% | 1,645 |
| Total risk-based capital ratio | 20.4788% | 1,716 |
| Memoranda: | ||
| Average total assets | $584,230,000 | 1,148 |
| Average earning assets | $521,532,500 | 1,177 |
| Average equity | $56,310,000 | 1,178 |
| Average total loans | $279,139,500 | 1,570 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 6,592 |
| Cost of funding earning assets | 1.2729% | 4,067 |
| Net interest margin | 3.1408% | 6,414 |
| Noninterest income to average assets | 2.3772% | 299 |
| Noninterest expense to average assets | 3.4279% | 2,359 |
| Loan and lease loss provision to assets | 0.2179% | 5,082 |
| Net operating income to assets | 1.5220% | 726 |
| Return on assets (ROA) | 1.5503% | 751 |
| Pretax return on assets | 1.5503% | 1,249 |
| Return on Equity (ROE) | 16.3756% | 547 |
| Retained earnings to average equity (ytd only) | 9.5487% | 596 |
| Net charge-offs to loans | 0.1578% | 5,403 |
| Credit loss provision to net charge-offs | 289.8190% | 932 |
| Earnings coverage of net charge-offs (x) | 23.1448% | 914 |
| Efficiency ratio | 66.3321% | 4,908 |
| Assets per employee ($millions) | 2.7579% | 6,596 |
| Cash dividends to net income (ytd only)* | 41.6895% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 5,205 |
| Loan loss allowance to noncurrent loans | 237.8798% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 5,214 |
| Noncurrent loans to loans | 0.5297% | 5,988 |
| Net loans and leases to total assets | 47.6717% | 6,422 |
| Net loans and leases to deposits | 66.6069% | 5,320 |
| Net loans and leases to core deposits | 70.9639% | 5,336 |
| Total domestic deposits to total assets | 71.5717% | 7,127 |
| Equity capital to assets | 9.8603% | 3,926 |
| Core capital (leverage) ratio | 9.5487% | 3,648 |
| Tier 1 risk-based capital ratio | 20.4561% | 1,409 |
| Total risk-based capital ratio | 21.2022% | 1,467 |
| Memoranda: | ||
| Average total assets | $587,965,000 | 1,140 |
| Average earning assets | $522,422,000 | 1,175 |
| Average equity | $55,662,000 | 1,197 |
| Average total loans | $280,075,200 | 1,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 6,638 |
| Cost of funding earning assets | 1.2907% | 4,282 |
| Net interest margin | 3.1957% | 6,354 |
| Noninterest income to average assets | 2.0760% | 359 |
| Noninterest expense to average assets | 3.3847% | 2,341 |
| Loan and lease loss provision to assets | 0.2774% | 4,360 |
| Net operating income to assets | 1.2487% | 1,468 |
| Return on assets (ROA) | 1.2816% | 1,457 |
| Pretax return on assets | 1.2816% | 2,222 |
| Return on Equity (ROE) | 13.6776% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.6501% | 1,537 |
| Net charge-offs to loans | 0.1856% | 4,841 |
| Credit loss provision to net charge-offs | 314.8718% | 1,001 |
| Earnings coverage of net charge-offs (x) | 17.3204% | 1,334 |
| Efficiency ratio | 68.9240% | 4,283 |
| Assets per employee ($millions) | 2.6939% | 6,785 |
| Cash dividends to net income (ytd only)* | 44.0684% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 5,349 |
| Loan loss allowance to noncurrent loans | 169.6867% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 5,055 |
| Noncurrent loans to loans | 0.7242% | 5,761 |
| Net loans and leases to total assets | 47.7526% | 6,541 |
| Net loans and leases to deposits | 69.9562% | 5,151 |
| Net loans and leases to core deposits | 76.0708% | 5,047 |
| Total domestic deposits to total assets | 68.2607% | 7,365 |
| Equity capital to assets | 9.6154% | 4,666 |
| Core capital (leverage) ratio | 9.0038% | 4,687 |
| Tier 1 risk-based capital ratio | 19.3992% | 1,661 |
| Total risk-based capital ratio | 20.1517% | 1,737 |
| Memoranda: | ||
| Average total assets | $590,166,500 | 1,144 |
| Average earning assets | $523,516,250 | 1,182 |
| Average equity | $55,300,750 | 1,206 |
| Average total loans | $280,189,500 | 1,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 6,619 |
| Cost of funding earning assets | 1.3136% | 4,453 |
| Net interest margin | 3.2242% | 6,244 |
| Noninterest income to average assets | 1.9744% | 358 |
| Noninterest expense to average assets | 3.3326% | 2,453 |
| Loan and lease loss provision to assets | 0.2674% | 4,249 |
| Net operating income to assets | 1.2299% | 1,485 |
| Return on assets (ROA) | 1.2770% | 1,425 |
| Pretax return on assets | 1.2770% | 2,163 |
| Return on Equity (ROE) | 13.7489% | 1,088 |
| Retained earnings to average equity (ytd only) | 9.3644% | 993 |
| Net charge-offs to loans | 0.2122% | 4,340 |
| Credit loss provision to net charge-offs | 267.1186% | 1,415 |
| Earnings coverage of net charge-offs (x) | 14.9559% | 1,488 |
| Efficiency ratio | 68.9994% | 4,377 |
| Assets per employee ($millions) | 2.9020% | 6,350 |
| Cash dividends to net income (ytd only)* | 31.8894% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,881 |
| Loan loss allowance to noncurrent loans | 137.4297% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 4,928 |
| Noncurrent loans to loans | 0.8100% | 5,657 |
| Net loans and leases to total assets | 46.9643% | 6,710 |
| Net loans and leases to deposits | 71.0255% | 5,140 |
| Net loans and leases to core deposits | 77.2818% | 5,051 |
| Total domestic deposits to total assets | 66.1232% | 7,525 |
| Equity capital to assets | 9.3877% | 4,879 |
| Core capital (leverage) ratio | 8.7478% | 5,010 |
| Tier 1 risk-based capital ratio | 18.8122% | 1,762 |
| Total risk-based capital ratio | 19.4727% | 1,863 |
| Memoranda: | ||
| Average total assets | $589,337,670 | 1,152 |
| Average earning assets | $521,935,330 | 1,185 |
| Average equity | $54,739,000 | 1,212 |
| Average total loans | $278,076,670 | 1,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 6,368 |
| Cost of funding earning assets | 1.3416% | 4,551 |
| Net interest margin | 3.3210% | 5,897 |
| Noninterest income to average assets | 1.9032% | 362 |
| Noninterest expense to average assets | 3.3315% | 2,424 |
| Loan and lease loss provision to assets | 0.4235% | 2,839 |
| Net operating income to assets | 1.0849% | 1,878 |
| Return on assets (ROA) | 1.0849% | 1,959 |
| Pretax return on assets | 1.0849% | 2,788 |
| Return on Equity (ROE) | 11.7452% | 1,568 |
| Retained earnings to average equity (ytd only) | 2.8417% | 4,425 |
| Net charge-offs to loans | 0.1880% | 3,794 |
| Credit loss provision to net charge-offs | 479.0698% | 882 |
| Earnings coverage of net charge-offs (x) | 17.0620% | 1,306 |
| Efficiency ratio | 68.8332% | 4,545 |
| Assets per employee ($millions) | 2.8777% | 6,487 |
| Cash dividends to net income (ytd only)* | 75.8054% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,760 |
| Loan loss allowance to noncurrent loans | 102.1907% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2844% | 4,606 |
| Noncurrent loans to loans | 1.1278% | 5,107 |
| Net loans and leases to total assets | 45.4499% | 6,878 |
| Net loans and leases to deposits | 70.2774% | 5,304 |
| Net loans and leases to core deposits | 76.3945% | 5,202 |
| Total domestic deposits to total assets | 64.6721% | 7,655 |
| Equity capital to assets | 9.0311% | 5,232 |
| Core capital (leverage) ratio | 8.3614% | 5,624 |
| Tier 1 risk-based capital ratio | 17.9756% | 1,949 |
| Total risk-based capital ratio | 18.6369% | 2,081 |
| Memoranda: | ||
| Average total assets | $583,646,500 | 1,189 |
| Average earning assets | $516,106,000 | 1,227 |
| Average equity | $53,911,500 | 1,240 |
| Average total loans | $274,465,000 | 1,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 4,954 |
| Cost of funding earning assets | 1.5654% | 5,200 |
| Net interest margin | 3.7812% | 3,790 |
| Noninterest income to average assets | 1.4537% | 683 |
| Noninterest expense to average assets | 3.1196% | 3,649 |
| Loan and lease loss provision to assets | 0.6003% | 3,391 |
| Net operating income to assets | 1.1892% | 1,269 |
| Return on assets (ROA) | 1.7453% | 429 |
| Pretax return on assets | 1.6823% | 814 |
| Return on Equity (ROE) | 19.8943% | 249 |
| Retained earnings to average equity (ytd only) | 12.5712% | 177 |
| Net charge-offs to loans | 0.7225% | 3,025 |
| Credit loss provision to net charge-offs | 157.1963% | 2,862 |
| Earnings coverage of net charge-offs (x) | 4.5210% | 2,918 |
| Efficiency ratio | 64.3725% | 5,700 |
| Assets per employee ($millions) | 2.7083% | 6,839 |
| Cash dividends to net income (ytd only)* | 36.8098% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 6,486 |
| Loan loss allowance to noncurrent loans | 146.9332% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 4,898 |
| Noncurrent loans to loans | 0.6671% | 5,907 |
| Net loans and leases to total assets | 47.6551% | 6,832 |
| Net loans and leases to deposits | 74.2840% | 4,993 |
| Net loans and leases to core deposits | 90.3046% | 5,090 |
| Total domestic deposits to total assets | 64.1525% | 7,708 |
| Equity capital to assets | 9.4538% | 4,484 |
| Core capital (leverage) ratio | 8.7875% | 4,784 |
| Tier 1 risk-based capital ratio | 18.4296% | 1,771 |
| Total risk-based capital ratio | 18.9263% | 1,936 |
| Memoranda: | ||
| Average total assets | $560,366,800 | 1,237 |
| Average earning assets | $502,755,400 | 1,256 |
| Average equity | $49,159,800 | 1,368 |
| Average total loans | $296,205,000 | 1,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 4,888 |
| Cost of funding earning assets | 1.6142% | 5,339 |
| Net interest margin | 3.7979% | 3,666 |
| Noninterest income to average assets | 1.4855% | 673 |
| Noninterest expense to average assets | 3.0799% | 3,724 |
| Loan and lease loss provision to assets | 0.6907% | 2,667 |
| Net operating income to assets | 1.2218% | 1,413 |
| Return on assets (ROA) | 1.5595% | 775 |
| Pretax return on assets | 1.4752% | 1,488 |
| Return on Equity (ROE) | 18.1354% | 442 |
| Retained earnings to average equity (ytd only) | 11.4700% | 417 |
| Net charge-offs to loans | 0.1604% | 5,108 |
| Credit loss provision to net charge-offs | 796.6942% | 482 |
| Earnings coverage of net charge-offs (x) | 21.0881% | 1,215 |
| Efficiency ratio | 62.7512% | 5,971 |
| Assets per employee ($millions) | 2.8884% | 6,439 |
| Cash dividends to net income (ytd only)* | 36.7534% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 7,017 |
| Loan loss allowance to noncurrent loans | 144.9102% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 4,901 |
| Noncurrent loans to loans | 0.5741% | 6,170 |
| Net loans and leases to total assets | 50.4380% | 6,744 |
| Net loans and leases to deposits | 76.0424% | 5,036 |
| Net loans and leases to core deposits | 94.8913% | 4,942 |
| Total domestic deposits to total assets | 66.3288% | 7,666 |
| Equity capital to assets | 9.0579% | 5,404 |
| Core capital (leverage) ratio | 8.3597% | 5,732 |
| Tier 1 risk-based capital ratio | 17.4813% | 2,124 |
| Total risk-based capital ratio | 18.3753% | 2,186 |
| Memoranda: | ||
| Average total assets | $558,274,250 | 1,250 |
| Average earning assets | $503,103,750 | 1,266 |
| Average equity | $48,008,000 | 1,423 |
| Average total loans | $301,827,500 | 1,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 4,229 |
| Cost of funding earning assets | 1.6783% | 5,377 |
| Net interest margin | 3.8894% | 3,158 |
| Noninterest income to average assets | 1.7348% | 487 |
| Noninterest expense to average assets | 3.0856% | 3,757 |
| Loan and lease loss provision to assets | 0.8744% | 1,927 |
| Net operating income to assets | 1.4094% | 1,011 |
| Return on assets (ROA) | 1.6412% | 692 |
| Pretax return on assets | 1.5181% | 1,393 |
| Return on Equity (ROE) | 19.4425% | 372 |
| Retained earnings to average equity (ytd only) | 14.3080% | 241 |
| Net charge-offs to loans | 0.1945% | 4,323 |
| Credit loss provision to net charge-offs | 815.1515% | 578 |
| Earnings coverage of net charge-offs (x) | 20.1414% | 1,329 |
| Efficiency ratio | 58.8158% | 6,719 |
| Assets per employee ($millions) | 2.7353% | 6,765 |
| Cash dividends to net income (ytd only)* | 26.4085% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6624% | 7,514 |
| Loan loss allowance to noncurrent loans | 171.3679% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 4,716 |
| Noncurrent loans to loans | 0.3865% | 6,543 |
| Net loans and leases to total assets | 55.2931% | 6,300 |
| Net loans and leases to deposits | 79.4883% | 4,623 |
| Net loans and leases to core deposits | 99.4238% | 4,566 |
| Total domestic deposits to total assets | 69.5613% | 7,510 |
| Equity capital to assets | 8.9995% | 5,320 |
| Core capital (leverage) ratio | 8.5670% | 5,319 |
| Tier 1 risk-based capital ratio | 17.3450% | 2,195 |
| Total risk-based capital ratio | 18.0971% | 2,300 |
| Memoranda: | ||
| Average total assets | $553,729,000 | 1,278 |
| Average earning assets | $499,924,000 | 1,289 |
| Average equity | $46,743,000 | 1,474 |
| Average total loans | $305,476,670 | 1,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 4,502 |
| Cost of funding earning assets | 1.7247% | 5,493 |
| Net interest margin | 3.8496% | 3,249 |
| Noninterest income to average assets | 0.9593% | 1,608 |
| Noninterest expense to average assets | 2.9404% | 4,013 |
| Loan and lease loss provision to assets | 0.5026% | 2,461 |
| Net operating income to assets | 1.2501% | 1,509 |
| Return on assets (ROA) | 1.7111% | 696 |
| Pretax return on assets | 1.4663% | 1,763 |
| Return on Equity (ROE) | 20.9504% | 365 |
| Retained earnings to average equity (ytd only) | 20.9504% | 144 |
| Net charge-offs to loans | 0.3059% | 2,886 |
| Credit loss provision to net charge-offs | 299.1453% | 1,633 |
| Earnings coverage of net charge-offs (x) | 8.9744% | 2,121 |
| Efficiency ratio | 66.1017% | 5,310 |
| Assets per employee ($millions) | 2.8861% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 7,686 |
| Loan loss allowance to noncurrent loans | 35.0622% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0331% | 4,625 |
| Noncurrent loans to loans | 1.6632% | 3,776 |
| Net loans and leases to total assets | 54.6768% | 6,393 |
| Net loans and leases to deposits | 81.9058% | 4,306 |
| Net loans and leases to core deposits | 103.7934% | 4,160 |
| Total domestic deposits to total assets | 66.7557% | 7,684 |
| Equity capital to assets | 8.4264% | 6,189 |
| Core capital (leverage) ratio | 8.1574% | 6,178 |
| Tier 1 risk-based capital ratio | 16.7584% | 2,418 |
| Total risk-based capital ratio | 17.4214% | 2,568 |
| Memoranda: | ||
| Average total assets | $557,063,000 | 1,275 |
| Average earning assets | $504,886,500 | 1,280 |
| Average equity | $45,498,000 | 1,514 |
| Average total loans | $305,963,000 | 1,635 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 5,805 |
| Cost of funding earning assets | 2.2670% | 5,305 |
| Net interest margin | 3.6851% | 4,528 |
| Noninterest income to average assets | 0.3985% | 5,481 |
| Noninterest expense to average assets | 2.9551% | 4,242 |
| Loan and lease loss provision to assets | 0.2242% | 4,645 |
| Net operating income to assets | 0.3425% | 5,385 |
| Return on assets (ROA) | 0.7378% | 3,563 |
| Pretax return on assets | 1.1831% | 2,708 |
| Return on Equity (ROE) | 9.7648% | 2,339 |
| Retained earnings to average equity (ytd only) | 5.6000% | 1,711 |
| Net charge-offs to loans | 0.1308% | 4,922 |
| Credit loss provision to net charge-offs | 304.1463% | 1,481 |
| Earnings coverage of net charge-offs (x) | 10.7122% | 2,471 |
| Efficiency ratio | 78.9120% | 2,766 |
| Assets per employee ($millions) | 2.8274% | 6,495 |
| Cash dividends to net income (ytd only)* | 42.6517% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 7,874 |
| Loan loss allowance to noncurrent loans | 127.4321% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 6,647 |
| Noncurrent loans to loans | 0.3773% | 6,224 |
| Net loans and leases to total assets | 54.5859% | 6,593 |
| Net loans and leases to deposits | 80.7662% | 4,913 |
| Net loans and leases to core deposits | 101.9219% | 4,623 |
| Total domestic deposits to total assets | 67.5850% | 7,508 |
| Equity capital to assets | 7.9032% | 6,967 |
| Core capital (leverage) ratio | 7.8706% | 6,697 |
| Tier 1 risk-based capital ratio | 16.1140% | 2,621 |
| Total risk-based capital ratio | 16.6560% | 2,814 |
| Memoranda: | ||
| Average total assets | $556,149,200 | 1,223 |
| Average earning assets | $505,034,800 | 1,221 |
| Average equity | $42,018,200 | 1,594 |
| Average total loans | $313,442,400 | 1,547 |