Home > Pioneer Trust Bank > Performance and Condition Ratios
Pioneer Trust 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 | 5.0074% | 2,058 |
| Cost of funding earning assets | 1.4157% | 2,188 |
| Net interest margin | 3.5917% | 1,983 |
| Noninterest income to average assets | 1.2100% | 498 |
| Noninterest expense to average assets | 1.5734% | 4,272 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.2289% | 326 |
| Return on assets (ROA) | 2.2290% | 315 |
| Pretax return on assets | 3.0677% | 192 |
| Return on Equity (ROE) | 17.7600% | 850 |
| Retained earnings to average equity (ytd only) | 7.0624% | 1,881 |
| Net charge-offs to loans | 0.0544% | 1,320 |
| Credit loss provision to net charge-offs | 213.2143% | 1,181 |
| Earnings coverage of net charge-offs (x) | 79.5107% | 1,023 |
| Efficiency ratio | 33.2424% | 4,472 |
| Assets per employee ($millions) | 9.6104% | 800 |
| Cash dividends to net income (ytd only)* | 60.2356% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 695 |
| Loan loss allowance to noncurrent loans | 355.3157% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 1,507 |
| Noncurrent loans to loans | 0.4732% | 1,601 |
| Net loans and leases to total assets | 76.1900% | 1,091 |
| Net loans and leases to deposits | 88.3191% | 1,401 |
| Net loans and leases to core deposits | 89.3445% | 2,098 |
| Total domestic deposits to total assets | 86.2700% | 1,921 |
| Equity capital to assets | 13.6449% | 743 |
| Core capital (leverage) ratio | 13.5660% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6707% | 1,142 |
| Memoranda: | ||
| Average total assets | $704,576,200 | 1,306 |
| Average earning assets | $691,895,800 | 1,249 |
| Average equity | $88,425,600 | 1,048 |
| Average total loans | $514,484,400 | 1,201 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 2,186 |
| Cost of funding earning assets | 1.1517% | 2,584 |
| Net interest margin | 3.6887% | 1,803 |
| Noninterest income to average assets | 1.1800% | 508 |
| Noninterest expense to average assets | 1.6398% | 4,198 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.2056% | 373 |
| Return on assets (ROA) | 2.2057% | 365 |
| Pretax return on assets | 3.0450% | 223 |
| Return on Equity (ROE) | 17.9500% | 954 |
| Retained earnings to average equity (ytd only) | 7.1099% | 2,248 |
| Net charge-offs to loans | 0.0762% | 947 |
| Credit loss provision to net charge-offs | 204.4521% | 1,105 |
| Earnings coverage of net charge-offs (x) | 57.7637% | 1,223 |
| Efficiency ratio | 34.1159% | 4,477 |
| Assets per employee ($millions) | 10.2641% | 612 |
| Cash dividends to net income (ytd only)* | 60.3933% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 685 |
| Loan loss allowance to noncurrent loans | 345.5819% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 1,640 |
| Noncurrent loans to loans | 0.4941% | 1,582 |
| Net loans and leases to total assets | 69.1600% | 1,925 |
| Net loans and leases to deposits | 78.9279% | 2,152 |
| Net loans and leases to core deposits | 79.5017% | 2,635 |
| Total domestic deposits to total assets | 87.6200% | 1,701 |
| Equity capital to assets | 12.1259% | 1,009 |
| Core capital (leverage) ratio | 13.7167% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3207% | 1,238 |
| Memoranda: | ||
| Average total assets | $710,136,250 | 1,286 |
| Average earning assets | $697,289,250 | 1,230 |
| Average equity | $87,256,000 | 1,054 |
| Average total loans | $510,915,750 | 1,204 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 1,836 |
| Cost of funding earning assets | 0.8091% | 3,178 |
| Net interest margin | 4.0603% | 1,144 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 1.6585% | 4,198 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 2.3989% | 271 |
| Return on assets (ROA) | 2.3991% | 266 |
| Pretax return on assets | 3.3307% | 166 |
| Return on Equity (ROE) | 19.4400% | 776 |
| Retained earnings to average equity (ytd only) | 8.4954% | 1,822 |
| Net charge-offs to loans | 0.0858% | 753 |
| Credit loss provision to net charge-offs | 292.2018% | 876 |
| Earnings coverage of net charge-offs (x) | 56.4908% | 1,223 |
| Efficiency ratio | 32.0514% | 4,531 |
| Assets per employee ($millions) | 9.5085% | 777 |
| Cash dividends to net income (ytd only)* | 56.2894% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 684 |
| Loan loss allowance to noncurrent loans | 3,842.7350% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,436 |
| Noncurrent loans to loans | 0.0454% | 3,393 |
| Net loans and leases to total assets | 75.0700% | 1,154 |
| Net loans and leases to deposits | 86.6205% | 1,454 |
| Net loans and leases to core deposits | 87.3039% | 1,983 |
| Total domestic deposits to total assets | 86.6700% | 2,033 |
| Equity capital to assets | 13.1013% | 790 |
| Core capital (leverage) ratio | 13.3932% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0339% | 1,314 |
| Memoranda: | ||
| Average total assets | $700,509,667 | 1,299 |
| Average earning assets | $687,887,667 | 1,245 |
| Average equity | $86,470,667 | 1,056 |
| Average total loans | $507,898,333 | 1,198 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 1,661 |
| Cost of funding earning assets | 0.4749% | 3,768 |
| Net interest margin | 4.3100% | 791 |
| Noninterest income to average assets | 1.1600% | 464 |
| Noninterest expense to average assets | 1.6438% | 4,251 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | 2.3583% | 294 |
| Return on assets (ROA) | 2.3583% | 293 |
| Pretax return on assets | 3.3830% | 154 |
| Return on Equity (ROE) | 19.6800% | 802 |
| Retained earnings to average equity (ytd only) | 8.6099% | 2,053 |
| Net charge-offs to loans | -0.0714% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 30.4900% | 4,604 |
| Assets per employee ($millions) | 10.2857% | 636 |
| Cash dividends to net income (ytd only)* | 56.2426% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 649 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.0600% | 1,421 |
| Net loans and leases to deposits | 82.6392% | 1,605 |
| Net loans and leases to core deposits | 83.1479% | 2,048 |
| Total domestic deposits to total assets | 87.1900% | 2,194 |
| Equity capital to assets | 12.4302% | 889 |
| Core capital (leverage) ratio | 12.7567% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7357% | 1,429 |
| Memoranda: | ||
| Average total assets | $713,213,500 | 1,299 |
| Average earning assets | $700,789,000 | 1,237 |
| Average equity | $85,482,500 | 1,078 |
| Average total loans | $503,952,000 | 1,220 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 1,884 |
| Cost of funding earning assets | 0.1575% | 4,079 |
| Net interest margin | 3.7841% | 1,189 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 1.4475% | 4,474 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 2.2779% | 188 |
| Return on assets (ROA) | 2.2483% | 189 |
| Pretax return on assets | 3.1078% | 123 |
| Return on Equity (ROE) | 20.6400% | 414 |
| Retained earnings to average equity (ytd only) | 9.6057% | 1,277 |
| Net charge-offs to loans | 0.1905% | 430 |
| Credit loss provision to net charge-offs | 183.6493% | 1,172 |
| Earnings coverage of net charge-offs (x) | 29.5604% | 1,693 |
| Efficiency ratio | 30.1501% | 4,651 |
| Assets per employee ($millions) | 10.2395% | 623 |
| Cash dividends to net income (ytd only)* | 53.4704% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.8600% | 1,943 |
| Net loans and leases to deposits | 75.6181% | 2,127 |
| Net loans and leases to core deposits | 76.1006% | 2,412 |
| Total domestic deposits to total assets | 88.4100% | 1,931 |
| Equity capital to assets | 11.5578% | 1,068 |
| Core capital (leverage) ratio | 11.8927% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6305% | 1,446 |
| Memoranda: | ||
| Average total assets | $743,969,600 | 1,254 |
| Average earning assets | $731,341,600 | 1,185 |
| Average equity | $81,025,200 | 1,120 |
| Average total loans | $443,152,400 | 1,287 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 2,435 |
| Cost of funding earning assets | 0.1027% | 4,258 |
| Net interest margin | 3.4627% | 1,770 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 1.5238% | 4,392 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 2.0942% | 250 |
| Return on assets (ROA) | 2.0796% | 256 |
| Pretax return on assets | 2.8751% | 154 |
| Return on Equity (ROE) | 19.3800% | 492 |
| Retained earnings to average equity (ytd only) | 8.2414% | 1,914 |
| Net charge-offs to loans | -0.0158% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.0149% | 4,667 |
| Assets per employee ($millions) | 10.3302% | 592 |
| Cash dividends to net income (ytd only)* | 57.4807% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 810 |
| Loan loss allowance to noncurrent loans | 1,243.3083% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,049 |
| Noncurrent loans to loans | 0.1405% | 2,927 |
| Net loans and leases to total assets | 61.6700% | 2,330 |
| Net loans and leases to deposits | 69.1688% | 2,440 |
| Net loans and leases to core deposits | 69.5579% | 2,669 |
| Total domestic deposits to total assets | 89.1600% | 2,026 |
| Equity capital to assets | 10.6186% | 1,321 |
| Core capital (leverage) ratio | 11.2767% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7796% | 1,484 |
| Memoranda: | ||
| Average total assets | $748,211,750 | 1,256 |
| Average earning assets | $735,906,500 | 1,192 |
| Average equity | $80,275,250 | 1,138 |
| Average total loans | $430,283,250 | 1,304 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 2,794 |
| Cost of funding earning assets | 0.0773% | 4,401 |
| Net interest margin | 3.2043% | 2,171 |
| Noninterest income to average assets | 1.0929% | 558 |
| Noninterest expense to average assets | 1.5191% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9896% | 233 |
| Return on assets (ROA) | 1.9680% | 242 |
| Pretax return on assets | 2.7002% | 133 |
| Return on Equity (ROE) | 18.2794% | 441 |
| Retained earnings to average equity (ytd only) | 7.1469% | 1,937 |
| Net charge-offs to loans | -0.0096% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7715% | 4,680 |
| Assets per employee ($millions) | 10.2721% | 611 |
| Cash dividends to net income (ytd only)* | 60.9015% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 730 |
| Loan loss allowance to noncurrent loans | 1,488.1132% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,266 |
| Noncurrent loans to loans | 0.1247% | 3,095 |
| Net loans and leases to total assets | 55.6405% | 2,794 |
| Net loans and leases to deposits | 62.4235% | 2,855 |
| Net loans and leases to core deposits | 62.7527% | 3,055 |
| Total domestic deposits to total assets | 89.1339% | 2,117 |
| Equity capital to assets | 10.7106% | 1,353 |
| Core capital (leverage) ratio | 11.2584% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8637% | 1,209 |
| Memoranda: | ||
| Average total assets | $746,248,667 | 1,257 |
| Average earning assets | $734,454,000 | 1,203 |
| Average equity | $80,342,000 | 1,156 |
| Average total loans | $415,927,333 | 1,336 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1450% | 2,844 |
| Cost of funding earning assets | 0.0720% | 4,429 |
| Net interest margin | 3.0730% | 2,259 |
| Noninterest income to average assets | 1.1020% | 557 |
| Noninterest expense to average assets | 1.4932% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9150% | 259 |
| Return on assets (ROA) | 1.9150% | 258 |
| Pretax return on assets | 2.6361% | 147 |
| Return on Equity (ROE) | 17.7412% | 359 |
| Retained earnings to average equity (ytd only) | 6.6106% | 2,028 |
| Net charge-offs to loans | -0.0146% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1614% | 4,699 |
| Assets per employee ($millions) | 10.3246% | 629 |
| Cash dividends to net income (ytd only)* | 62.7385% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.1957% | 2,732 |
| Net loans and leases to deposits | 60.8800% | 2,819 |
| Net loans and leases to core deposits | 61.2040% | 3,045 |
| Total domestic deposits to total assets | 89.0205% | 2,072 |
| Equity capital to assets | 10.6964% | 1,491 |
| Core capital (leverage) ratio | 11.1322% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3963% | 1,169 |
| Memoranda: | ||
| Average total assets | $744,442,000 | 1,266 |
| Average earning assets | $733,352,500 | 1,211 |
| Average equity | $80,355,500 | 1,195 |
| Average total loans | $411,334,000 | 1,340 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 2,712 |
| Cost of funding earning assets | 0.0716% | 4,584 |
| Net interest margin | 3.4100% | 1,996 |
| Noninterest income to average assets | 1.1784% | 764 |
| Noninterest expense to average assets | 1.3950% | 4,628 |
| Loan and lease loss provision to assets | 0.1266% | 969 |
| Net operating income to assets | 2.1719% | 256 |
| Return on assets (ROA) | 2.1702% | 270 |
| Pretax return on assets | 3.0165% | 145 |
| Return on Equity (ROE) | 19.6847% | 328 |
| Retained earnings to average equity (ytd only) | 8.7140% | 1,278 |
| Net charge-offs to loans | -0.0206% | 3,995 |
| Credit loss provision to net charge-offs | -1,058.8235% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7261% | 4,788 |
| Assets per employee ($millions) | 10.5002% | 581 |
| Cash dividends to net income (ytd only)* | 55.7320% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.1968% | 2,825 |
| Net loans and leases to deposits | 60.8499% | 3,000 |
| Net loans and leases to core deposits | 61.2459% | 3,223 |
| Total domestic deposits to total assets | 89.0664% | 1,477 |
| Equity capital to assets | 10.8914% | 1,866 |
| Core capital (leverage) ratio | 10.9364% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4825% | 1,168 |
| Memoranda: | ||
| Average total assets | $711,032,000 | 1,273 |
| Average earning assets | $700,969,800 | 1,221 |
| Average equity | $78,391,000 | 1,227 |
| Average total loans | $412,678,800 | 1,341 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3531% | 3,236 |
| Cost of funding earning assets | 0.0722% | 4,679 |
| Net interest margin | 3.2808% | 2,473 |
| Noninterest income to average assets | 1.1725% | 834 |
| Noninterest expense to average assets | 1.4610% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1460% | 356 |
| Return on assets (ROA) | 2.1457% | 375 |
| Pretax return on assets | 2.9435% | 186 |
| Return on Equity (ROE) | 19.3998% | 470 |
| Retained earnings to average equity (ytd only) | 8.3304% | 1,938 |
| Net charge-offs to loans | -0.0203% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1681% | 4,845 |
| Assets per employee ($millions) | 10.8547% | 495 |
| Cash dividends to net income (ytd only)* | 57.0594% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 1,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.7864% | 3,212 |
| Net loans and leases to deposits | 58.0918% | 3,401 |
| Net loans and leases to core deposits | 58.4700% | 3,588 |
| Total domestic deposits to total assets | 89.1458% | 1,200 |
| Equity capital to assets | 10.6545% | 2,314 |
| Core capital (leverage) ratio | 10.9472% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0616% | 945 |
| Memoranda: | ||
| Average total assets | $702,411,250 | 1,304 |
| Average earning assets | $692,048,250 | 1,246 |
| Average equity | $77,689,500 | 1,253 |
| Average total loans | $412,870,500 | 1,370 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 3,360 |
| Cost of funding earning assets | 0.0739% | 4,723 |
| Net interest margin | 3.2562% | 2,593 |
| Noninterest income to average assets | 1.1982% | 803 |
| Noninterest expense to average assets | 1.4951% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1202% | 389 |
| Return on assets (ROA) | 2.1200% | 410 |
| Pretax return on assets | 2.9111% | 210 |
| Return on Equity (ROE) | 18.9151% | 551 |
| Retained earnings to average equity (ytd only) | 7.7443% | 2,174 |
| Net charge-offs to loans | -0.0201% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9302% | 4,874 |
| Assets per employee ($millions) | 10.3745% | 549 |
| Cash dividends to net income (ytd only)* | 59.0578% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 1,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.0523% | 2,662 |
| Net loans and leases to deposits | 65.4362% | 2,871 |
| Net loans and leases to core deposits | 65.9623% | 3,116 |
| Total domestic deposits to total assets | 88.7158% | 1,439 |
| Equity capital to assets | 11.0938% | 1,916 |
| Core capital (leverage) ratio | 10.9329% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8776% | 829 |
| Memoranda: | ||
| Average total assets | $686,889,667 | 1,315 |
| Average earning assets | $676,800,667 | 1,264 |
| Average equity | $76,986,000 | 1,253 |
| Average total loans | $418,889,667 | 1,357 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 3,364 |
| Cost of funding earning assets | 0.0755% | 4,773 |
| Net interest margin | 3.2658% | 2,492 |
| Noninterest income to average assets | 1.1564% | 913 |
| Noninterest expense to average assets | 1.5053% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0831% | 507 |
| Return on assets (ROA) | 2.0826% | 545 |
| Pretax return on assets | 2.8689% | 276 |
| Return on Equity (ROE) | 18.4839% | 669 |
| Retained earnings to average equity (ytd only) | 7.2196% | 2,500 |
| Net charge-offs to loans | -0.0200% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4083% | 4,868 |
| Assets per employee ($millions) | 10.3414% | 537 |
| Cash dividends to net income (ytd only)* | 60.9410% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.5701% | 2,469 |
| Net loans and leases to deposits | 68.2573% | 2,673 |
| Net loans and leases to core deposits | 68.8660% | 2,982 |
| Total domestic deposits to total assets | 88.7379% | 1,476 |
| Equity capital to assets | 10.9270% | 1,920 |
| Core capital (leverage) ratio | 11.2432% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3506% | 748 |
| Memoranda: | ||
| Average total assets | $677,601,500 | 1,322 |
| Average earning assets | $667,775,500 | 1,264 |
| Average equity | $76,347,500 | 1,259 |
| Average total loans | $420,103,000 | 1,360 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,511 |
| Cost of funding earning assets | 0.1631% | 4,694 |
| Net interest margin | 3.9075% | 1,194 |
| Noninterest income to average assets | 1.2126% | 763 |
| Noninterest expense to average assets | 1.6586% | 4,655 |
| Loan and lease loss provision to assets | 0.1502% | 2,496 |
| Net operating income to assets | 2.3284% | 165 |
| Return on assets (ROA) | 2.3396% | 176 |
| Pretax return on assets | 3.2527% | 106 |
| Return on Equity (ROE) | 19.3697% | 262 |
| Retained earnings to average equity (ytd only) | 8.8523% | 807 |
| Net charge-offs to loans | -0.0081% | 4,216 |
| Credit loss provision to net charge-offs | -2,812.5000% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8604% | 4,946 |
| Assets per employee ($millions) | 9.4491% | 636 |
| Cash dividends to net income (ytd only)* | 54.2984% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 1,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 61.4249% | 2,673 |
| Net loans and leases to deposits | 69.6199% | 2,925 |
| Net loans and leases to core deposits | 70.2437% | 3,241 |
| Total domestic deposits to total assets | 88.2289% | 1,360 |
| Equity capital to assets | 11.6344% | 1,782 |
| Core capital (leverage) ratio | 11.5024% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5949% | 704 |
| Memoranda: | ||
| Average total assets | $599,126,600 | 1,331 |
| Average earning assets | $587,968,200 | 1,284 |
| Average equity | $72,365,600 | 1,263 |
| Average total loans | $394,825,200 | 1,376 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 2,983 |
| Cost of funding earning assets | 0.1917% | 4,699 |
| Net interest margin | 3.8053% | 1,603 |
| Noninterest income to average assets | 1.1938% | 748 |
| Noninterest expense to average assets | 1.7716% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.2762% | 183 |
| Return on assets (ROA) | 2.2915% | 191 |
| Pretax return on assets | 3.1726% | 109 |
| Return on Equity (ROE) | 18.7799% | 306 |
| Retained earnings to average equity (ytd only) | 7.8737% | 1,345 |
| Net charge-offs to loans | -0.0061% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9717% | 4,952 |
| Assets per employee ($millions) | 9.4016% | 618 |
| Cash dividends to net income (ytd only)* | 58.0735% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 1,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 67.1656% | 2,366 |
| Net loans and leases to deposits | 76.6779% | 2,688 |
| Net loans and leases to core deposits | 77.3541% | 3,065 |
| Total domestic deposits to total assets | 87.5945% | 1,399 |
| Equity capital to assets | 11.7331% | 1,855 |
| Core capital (leverage) ratio | 11.5480% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3563% | 748 |
| Memoranda: | ||
| Average total assets | $585,911,250 | 1,337 |
| Average earning assets | $574,483,500 | 1,286 |
| Average equity | $71,493,250 | 1,258 |
| Average total loans | $391,690,250 | 1,375 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,781 |
| Cost of funding earning assets | 0.2449% | 4,637 |
| Net interest margin | 3.9502% | 1,446 |
| Noninterest income to average assets | 1.2156% | 678 |
| Noninterest expense to average assets | 1.8675% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3273% | 182 |
| Return on assets (ROA) | 2.3079% | 206 |
| Pretax return on assets | 3.1969% | 96 |
| Return on Equity (ROE) | 18.6508% | 325 |
| Retained earnings to average equity (ytd only) | 7.0931% | 1,621 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6976% | 4,973 |
| Assets per employee ($millions) | 9.4569% | 595 |
| Cash dividends to net income (ytd only)* | 61.9691% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.8865% | 2,512 |
| Net loans and leases to deposits | 76.0691% | 2,853 |
| Net loans and leases to core deposits | 76.7327% | 3,229 |
| Total domestic deposits to total assets | 87.9286% | 1,219 |
| Equity capital to assets | 11.4460% | 2,006 |
| Core capital (leverage) ratio | 11.5397% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6338% | 822 |
| Memoranda: | ||
| Average total assets | $571,247,000 | 1,347 |
| Average earning assets | $560,119,667 | 1,298 |
| Average equity | $70,688,667 | 1,257 |
| Average total loans | $379,238,000 | 1,397 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,685 |
| Cost of funding earning assets | 0.3763% | 4,441 |
| Net interest margin | 4.0041% | 1,383 |
| Noninterest income to average assets | 1.2739% | 540 |
| Noninterest expense to average assets | 1.8087% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4219% | 124 |
| Return on assets (ROA) | 2.4271% | 131 |
| Pretax return on assets | 3.3966% | 62 |
| Return on Equity (ROE) | 18.7870% | 221 |
| Retained earnings to average equity (ytd only) | 5.4750% | 2,077 |
| Net charge-offs to loans | -0.0949% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7913% | 5,038 |
| Assets per employee ($millions) | 7.8398% | 786 |
| Cash dividends to net income (ytd only)* | 70.8575% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.5756% | 2,992 |
| Net loans and leases to deposits | 74.6985% | 3,199 |
| Net loans and leases to core deposits | 75.3524% | 3,543 |
| Total domestic deposits to total assets | 86.4483% | 1,808 |
| Equity capital to assets | 13.0768% | 1,388 |
| Core capital (leverage) ratio | 12.9821% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8551% | 1,002 |
| Memoranda: | ||
| Average total assets | $540,064,500 | 1,377 |
| Average earning assets | $529,358,500 | 1,314 |
| Average equity | $69,771,500 | 1,260 |
| Average total loans | $353,981,500 | 1,439 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 2,101 |
| Cost of funding earning assets | 0.5798% | 3,721 |
| Net interest margin | 4.2011% | 1,322 |
| Noninterest income to average assets | 1.4109% | 478 |
| Noninterest expense to average assets | 1.7701% | 4,801 |
| Loan and lease loss provision to assets | 0.1741% | 1,199 |
| Net operating income to assets | 2.5802% | 121 |
| Return on assets (ROA) | 2.5969% | 125 |
| Pretax return on assets | 3.5993% | 76 |
| Return on Equity (ROE) | 20.3900% | 195 |
| Retained earnings to average equity (ytd only) | 7.3253% | 1,243 |
| Net charge-offs to loans | -0.0124% | 4,528 |
| Credit loss provision to net charge-offs | -2,045.4545% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0534% | 5,128 |
| Assets per employee ($millions) | 7.9291% | 735 |
| Cash dividends to net income (ytd only)* | 64.0739% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.2936% | 3,159 |
| Net loans and leases to deposits | 73.8327% | 3,370 |
| Net loans and leases to core deposits | 74.5216% | 3,678 |
| Total domestic deposits to total assets | 87.0800% | 1,565 |
| Equity capital to assets | 12.7609% | 1,670 |
| Core capital (leverage) ratio | 12.5468% | 1,462 |
| Tier 1 risk-based capital ratio | 17.4621% | 1,905 |
| Total risk-based capital ratio | 18.7157% | 1,858 |
| Memoranda: | ||
| Average total assets | $516,849,800 | 1,385 |
| Average earning assets | $505,839,200 | 1,318 |
| Average equity | $65,826,400 | 1,282 |
| Average total loans | $355,237,800 | 1,396 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 2,187 |
| Cost of funding earning assets | 0.6251% | 3,556 |
| Net interest margin | 4.1530% | 1,493 |
| Noninterest income to average assets | 1.4768% | 415 |
| Noninterest expense to average assets | 2.0080% | 4,533 |
| Loan and lease loss provision to assets | 0.0391% | 3,120 |
| Net operating income to assets | 2.5360% | 153 |
| Return on assets (ROA) | 2.5327% | 163 |
| Pretax return on assets | 3.4869% | 81 |
| Return on Equity (ROE) | 19.8965% | 255 |
| Retained earnings to average equity (ytd only) | 6.6827% | 2,020 |
| Net charge-offs to loans | -0.0116% | 4,425 |
| Credit loss provision to net charge-offs | -483.8710% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2575% | 5,173 |
| Assets per employee ($millions) | 8.1255% | 665 |
| Cash dividends to net income (ytd only)* | 66.4127% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,357 |
| Loan loss allowance to noncurrent loans | 328.9157% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,372 |
| Noncurrent loans to loans | 0.4442% | 2,980 |
| Net loans and leases to total assets | 65.2353% | 3,153 |
| Net loans and leases to deposits | 74.9471% | 3,391 |
| Net loans and leases to core deposits | 75.8021% | 3,713 |
| Total domestic deposits to total assets | 87.0418% | 1,492 |
| Equity capital to assets | 12.5527% | 1,873 |
| Core capital (leverage) ratio | 12.7551% | 1,458 |
| Tier 1 risk-based capital ratio | 16.7955% | 2,149 |
| Total risk-based capital ratio | 18.0462% | 2,101 |
| Memoranda: | ||
| Average total assets | $511,267,250 | 1,403 |
| Average earning assets | $499,991,500 | 1,335 |
| Average equity | $65,082,000 | 1,294 |
| Average total loans | $355,895,250 | 1,402 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 2,080 |
| Cost of funding earning assets | 0.6622% | 3,344 |
| Net interest margin | 4.1310% | 1,521 |
| Noninterest income to average assets | 1.5231% | 391 |
| Noninterest expense to average assets | 2.0707% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5423% | 146 |
| Return on assets (ROA) | 2.5375% | 152 |
| Pretax return on assets | 3.4824% | 87 |
| Return on Equity (ROE) | 19.8363% | 267 |
| Retained earnings to average equity (ytd only) | 6.4691% | 2,069 |
| Net charge-offs to loans | -0.0112% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2487% | 5,198 |
| Assets per employee ($millions) | 7.4651% | 831 |
| Cash dividends to net income (ytd only)* | 67.3876% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,474 |
| Loan loss allowance to noncurrent loans | 289.0167% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,165 |
| Noncurrent loans to loans | 0.4962% | 2,794 |
| Net loans and leases to total assets | 68.0478% | 2,806 |
| Net loans and leases to deposits | 78.5184% | 3,106 |
| Net loans and leases to core deposits | 79.4653% | 3,464 |
| Total domestic deposits to total assets | 86.6647% | 1,738 |
| Equity capital to assets | 13.0033% | 1,586 |
| Core capital (leverage) ratio | 12.9059% | 1,350 |
| Tier 1 risk-based capital ratio | 16.7838% | 2,148 |
| Total risk-based capital ratio | 18.0344% | 2,090 |
| Memoranda: | ||
| Average total assets | $502,928,000 | 1,423 |
| Average earning assets | $491,361,000 | 1,356 |
| Average equity | $64,336,670 | 1,302 |
| Average total loans | $356,182,330 | 1,413 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 2,000 |
| Cost of funding earning assets | 0.6608% | 3,257 |
| Net interest margin | 4.1063% | 1,532 |
| Noninterest income to average assets | 1.4895% | 397 |
| Noninterest expense to average assets | 1.9969% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5491% | 148 |
| Return on assets (ROA) | 2.5403% | 158 |
| Pretax return on assets | 3.4983% | 87 |
| Return on Equity (ROE) | 20.0249% | 263 |
| Retained earnings to average equity (ytd only) | 6.4818% | 2,251 |
| Net charge-offs to loans | -0.0134% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2647% | 5,263 |
| Assets per employee ($millions) | 7.5726% | 791 |
| Cash dividends to net income (ytd only)* | 67.6313% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,547 |
| Loan loss allowance to noncurrent loans | 289.5557% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 3,221 |
| Noncurrent loans to loans | 0.4960% | 2,828 |
| Net loans and leases to total assets | 68.9088% | 2,636 |
| Net loans and leases to deposits | 79.4886% | 2,892 |
| Net loans and leases to core deposits | 80.6532% | 3,306 |
| Total domestic deposits to total assets | 86.6901% | 1,965 |
| Equity capital to assets | 12.8609% | 1,536 |
| Core capital (leverage) ratio | 12.9313% | 1,307 |
| Tier 1 risk-based capital ratio | 16.5373% | 2,252 |
| Total risk-based capital ratio | 17.7880% | 2,202 |
| Memoranda: | ||
| Average total assets | $500,580,000 | 1,434 |
| Average earning assets | $489,682,000 | 1,367 |
| Average equity | $63,501,000 | 1,307 |
| Average total loans | $359,047,000 | 1,407 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 1,922 |
| Cost of funding earning assets | 0.5377% | 3,130 |
| Net interest margin | 4.1348% | 1,573 |
| Noninterest income to average assets | 1.5652% | 384 |
| Noninterest expense to average assets | 1.8941% | 4,902 |
| Loan and lease loss provision to assets | 0.3015% | 535 |
| Net operating income to assets | 2.5004% | 150 |
| Return on assets (ROA) | 2.4920% | 150 |
| Pretax return on assets | 3.3863% | 72 |
| Return on Equity (ROE) | 20.6484% | 222 |
| Retained earnings to average equity (ytd only) | 8.6190% | 1,007 |
| Net charge-offs to loans | 0.4689% | 390 |
| Credit loss provision to net charge-offs | 88.0799% | 2,748 |
| Earnings coverage of net charge-offs (x) | 10.8062% | 2,685 |
| Efficiency ratio | 33.8688% | 5,341 |
| Assets per employee ($millions) | 7.4831% | 800 |
| Cash dividends to net income (ytd only)* | 58.2581% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,801 |
| Loan loss allowance to noncurrent loans | 322.9677% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,326 |
| Noncurrent loans to loans | 0.4204% | 3,032 |
| Net loans and leases to total assets | 72.5354% | 2,171 |
| Net loans and leases to deposits | 83.0279% | 2,622 |
| Net loans and leases to core deposits | 84.1497% | 3,077 |
| Total domestic deposits to total assets | 87.3627% | 1,602 |
| Equity capital to assets | 12.5106% | 1,574 |
| Core capital (leverage) ratio | 12.4914% | 1,457 |
| Tier 1 risk-based capital ratio | 15.6821% | 2,543 |
| Total risk-based capital ratio | 16.9315% | 2,468 |
| Memoranda: | ||
| Average total assets | $497,588,000 | 1,413 |
| Average earning assets | $484,668,800 | 1,352 |
| Average equity | $60,053,200 | 1,322 |
| Average total loans | $363,197,000 | 1,357 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,888 |
| Cost of funding earning assets | 0.4931% | 3,241 |
| Net interest margin | 4.1410% | 1,517 |
| Noninterest income to average assets | 1.5901% | 385 |
| Noninterest expense to average assets | 1.9536% | 4,820 |
| Loan and lease loss provision to assets | 0.0940% | 2,098 |
| Net operating income to assets | 2.5814% | 139 |
| Return on assets (ROA) | 2.5719% | 140 |
| Pretax return on assets | 3.5614% | 72 |
| Return on Equity (ROE) | 21.5086% | 189 |
| Retained earnings to average equity (ytd only) | 9.3444% | 1,097 |
| Net charge-offs to loans | -0.0136% | 4,483 |
| Credit loss provision to net charge-offs | -945.9459% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7550% | 5,399 |
| Assets per employee ($millions) | 7.4441% | 795 |
| Cash dividends to net income (ytd only)* | 56.5553% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 74.0097% | 1,979 |
| Net loans and leases to deposits | 84.5394% | 2,537 |
| Net loans and leases to core deposits | 85.6182% | 3,035 |
| Total domestic deposits to total assets | 87.5447% | 1,465 |
| Equity capital to assets | 12.1021% | 1,837 |
| Core capital (leverage) ratio | 12.3128% | 1,607 |
| Tier 1 risk-based capital ratio | 15.2408% | 2,765 |
| Total risk-based capital ratio | 16.4923% | 2,689 |
| Memoranda: | ||
| Average total assets | $496,643,500 | 1,421 |
| Average earning assets | $483,444,250 | 1,363 |
| Average equity | $59,385,500 | 1,335 |
| Average total loans | $361,827,750 | 1,355 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 1,997 |
| Cost of funding earning assets | 0.4377% | 3,437 |
| Net interest margin | 4.0933% | 1,583 |
| Noninterest income to average assets | 1.5860% | 394 |
| Noninterest expense to average assets | 1.9296% | 4,922 |
| Loan and lease loss provision to assets | 0.0811% | 2,288 |
| Net operating income to assets | 2.5711% | 137 |
| Return on assets (ROA) | 2.5660% | 137 |
| Pretax return on assets | 3.5521% | 71 |
| Return on Equity (ROE) | 21.5486% | 183 |
| Retained earnings to average equity (ytd only) | 9.2545% | 1,139 |
| Net charge-offs to loans | -0.0129% | 4,403 |
| Credit loss provision to net charge-offs | -869.5652% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6481% | 5,463 |
| Assets per employee ($millions) | 7.5231% | 756 |
| Cash dividends to net income (ytd only)* | 57.0526% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.4773% | 2,039 |
| Net loans and leases to deposits | 83.8347% | 2,553 |
| Net loans and leases to core deposits | 84.7630% | 3,024 |
| Total domestic deposits to total assets | 87.6455% | 1,566 |
| Equity capital to assets | 12.0478% | 1,826 |
| Core capital (leverage) ratio | 12.3495% | 1,517 |
| Tier 1 risk-based capital ratio | 14.8949% | 2,925 |
| Total risk-based capital ratio | 16.1460% | 2,843 |
| Memoranda: | ||
| Average total assets | $493,457,670 | 1,433 |
| Average earning assets | $480,203,670 | 1,375 |
| Average equity | $58,760,330 | 1,351 |
| Average total loans | $355,692,330 | 1,377 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,251 |
| Cost of funding earning assets | 0.3608% | 3,907 |
| Net interest margin | 4.0226% | 1,649 |
| Noninterest income to average assets | 1.6189% | 378 |
| Noninterest expense to average assets | 1.8816% | 5,050 |
| Loan and lease loss provision to assets | 0.0813% | 2,164 |
| Net operating income to assets | 2.5744% | 129 |
| Return on assets (ROA) | 2.5654% | 132 |
| Pretax return on assets | 3.5615% | 72 |
| Return on Equity (ROE) | 21.6725% | 170 |
| Retained earnings to average equity (ytd only) | 9.2666% | 1,376 |
| Net charge-offs to loans | -0.0080% | 4,171 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9894% | 5,535 |
| Assets per employee ($millions) | 7.2976% | 848 |
| Cash dividends to net income (ytd only)* | 57.2425% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.4098% | 2,405 |
| Net loans and leases to deposits | 80.4024% | 2,765 |
| Net loans and leases to core deposits | 81.2050% | 3,221 |
| Total domestic deposits to total assets | 87.5717% | 1,863 |
| Equity capital to assets | 11.9916% | 1,794 |
| Core capital (leverage) ratio | 12.3820% | 1,439 |
| Tier 1 risk-based capital ratio | 15.3819% | 2,702 |
| Total risk-based capital ratio | 16.6334% | 2,642 |
| Memoranda: | ||
| Average total assets | $491,925,500 | 1,442 |
| Average earning assets | $478,991,000 | 1,389 |
| Average equity | $58,230,500 | 1,369 |
| Average total loans | $348,407,000 | 1,404 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,497 |
| Cost of funding earning assets | 0.2199% | 4,792 |
| Net interest margin | 4.0296% | 1,659 |
| Noninterest income to average assets | 1.7369% | 366 |
| Noninterest expense to average assets | 1.8231% | 5,226 |
| Loan and lease loss provision to assets | 0.1054% | 2,127 |
| Net operating income to assets | 2.2385% | 184 |
| Return on assets (ROA) | 2.2373% | 183 |
| Pretax return on assets | 3.7404% | 69 |
| Return on Equity (ROE) | 19.3759% | 222 |
| Retained earnings to average equity (ytd only) | 11.5225% | 208 |
| Net charge-offs to loans | 0.0642% | 2,557 |
| Credit loss provision to net charge-offs | 239.2344% | 1,162 |
| Earnings coverage of net charge-offs (x) | 87.2967% | 716 |
| Efficiency ratio | 32.1495% | 5,619 |
| Assets per employee ($millions) | 7.3867% | 817 |
| Cash dividends to net income (ytd only)* | 40.5316% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.1089% | 2,663 |
| Net loans and leases to deposits | 78.4150% | 3,073 |
| Net loans and leases to core deposits | 79.1015% | 3,497 |
| Total domestic deposits to total assets | 88.1322% | 1,417 |
| Equity capital to assets | 11.6848% | 2,047 |
| Core capital (leverage) ratio | 11.9446% | 1,633 |
| Tier 1 risk-based capital ratio | 15.0538% | 2,830 |
| Total risk-based capital ratio | 16.3051% | 2,756 |
| Memoranda: | ||
| Average total assets | $474,180,200 | 1,469 |
| Average earning assets | $462,926,800 | 1,406 |
| Average equity | $54,753,600 | 1,412 |
| Average total loans | $325,792,800 | 1,460 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,543 |
| Cost of funding earning assets | 0.1898% | 5,055 |
| Net interest margin | 4.0297% | 1,603 |
| Noninterest income to average assets | 1.6216% | 421 |
| Noninterest expense to average assets | 1.9781% | 4,999 |
| Loan and lease loss provision to assets | 0.0284% | 3,563 |
| Net operating income to assets | 2.1529% | 237 |
| Return on assets (ROA) | 2.1515% | 241 |
| Pretax return on assets | 3.5485% | 81 |
| Return on Equity (ROE) | 18.6912% | 293 |
| Retained earnings to average equity (ytd only) | 10.7262% | 455 |
| Net charge-offs to loans | -0.0100% | 4,637 |
| Credit loss provision to net charge-offs | -416.6667% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5944% | 5,646 |
| Assets per employee ($millions) | 7.5088% | 765 |
| Cash dividends to net income (ytd only)* | 42.6136% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,398 |
| Loan loss allowance to noncurrent loans | 1,002.3857% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,724 |
| Noncurrent loans to loans | 0.1534% | 4,446 |
| Net loans and leases to total assets | 66.1385% | 3,085 |
| Net loans and leases to deposits | 75.0246% | 3,467 |
| Net loans and leases to core deposits | 75.5164% | 3,839 |
| Total domestic deposits to total assets | 88.1557% | 1,279 |
| Equity capital to assets | 11.5186% | 2,344 |
| Core capital (leverage) ratio | 11.9438% | 1,726 |
| Tier 1 risk-based capital ratio | 15.1190% | 2,874 |
| Total risk-based capital ratio | 16.3705% | 2,795 |
| Memoranda: | ||
| Average total assets | $468,998,000 | 1,494 |
| Average earning assets | $458,052,250 | 1,429 |
| Average equity | $53,984,750 | 1,437 |
| Average total loans | $320,432,250 | 1,490 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 2,669 |
| Cost of funding earning assets | 0.1648% | 5,244 |
| Net interest margin | 3.9849% | 1,656 |
| Noninterest income to average assets | 1.6561% | 415 |
| Noninterest expense to average assets | 2.0279% | 4,915 |
| Loan and lease loss provision to assets | 0.0432% | 3,132 |
| Net operating income to assets | 2.1064% | 255 |
| Return on assets (ROA) | 2.1006% | 263 |
| Pretax return on assets | 3.4748% | 92 |
| Return on Equity (ROE) | 18.2532% | 313 |
| Retained earnings to average equity (ytd only) | 10.1766% | 549 |
| Net charge-offs to loans | -0.0107% | 4,560 |
| Credit loss provision to net charge-offs | -588.2353% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5058% | 5,688 |
| Assets per employee ($millions) | 7.0336% | 916 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,479 |
| Loan loss allowance to noncurrent loans | 1,044.6058% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,777 |
| Noncurrent loans to loans | 0.1465% | 4,528 |
| Net loans and leases to total assets | 70.8725% | 2,395 |
| Net loans and leases to deposits | 80.7798% | 2,832 |
| Net loans and leases to core deposits | 81.6326% | 3,285 |
| Total domestic deposits to total assets | 87.7354% | 1,600 |
| Equity capital to assets | 11.9599% | 1,958 |
| Core capital (leverage) ratio | 11.7993% | 1,766 |
| Tier 1 risk-based capital ratio | 14.7937% | 3,016 |
| Total risk-based capital ratio | 16.0453% | 2,946 |
| Memoranda: | ||
| Average total assets | $462,639,670 | 1,513 |
| Average earning assets | $452,659,000 | 1,443 |
| Average equity | $53,240,000 | 1,455 |
| Average total loans | $317,961,000 | 1,494 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 2,916 |
| Cost of funding earning assets | 0.1605% | 5,297 |
| Net interest margin | 3.8743% | 1,876 |
| Noninterest income to average assets | 1.6030% | 431 |
| Noninterest expense to average assets | 2.0319% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0531% | 279 |
| Return on assets (ROA) | 2.0448% | 291 |
| Pretax return on assets | 3.3548% | 106 |
| Return on Equity (ROE) | 18.1186% | 333 |
| Retained earnings to average equity (ytd only) | 9.9314% | 821 |
| Net charge-offs to loans | -0.0102% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6313% | 5,729 |
| Assets per employee ($millions) | 7.1364% | 887 |
| Cash dividends to net income (ytd only)* | 45.1871% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,435 |
| Loan loss allowance to noncurrent loans | 983.2335% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 4,836 |
| Noncurrent loans to loans | 0.1604% | 4,543 |
| Net loans and leases to total assets | 66.2900% | 2,933 |
| Net loans and leases to deposits | 75.3308% | 3,268 |
| Net loans and leases to core deposits | 76.4020% | 3,619 |
| Total domestic deposits to total assets | 87.9985% | 1,714 |
| Equity capital to assets | 11.4569% | 2,209 |
| Core capital (leverage) ratio | 11.6241% | 1,864 |
| Tier 1 risk-based capital ratio | 15.2202% | 2,861 |
| Total risk-based capital ratio | 16.4722% | 2,801 |
| Memoranda: | ||
| Average total assets | $465,366,000 | 1,513 |
| Average earning assets | $456,031,000 | 1,441 |
| Average equity | $52,520,500 | 1,471 |
| Average total loans | $312,414,000 | 1,519 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,175 |
| Cost of funding earning assets | 0.1601% | 5,355 |
| Net interest margin | 3.8463% | 2,151 |
| Noninterest income to average assets | 1.6398% | 448 |
| Noninterest expense to average assets | 1.8509% | 5,424 |
| Loan and lease loss provision to assets | 0.2291% | 944 |
| Net operating income to assets | 1.9762% | 335 |
| Return on assets (ROA) | 1.9784% | 351 |
| Pretax return on assets | 3.3258% | 89 |
| Return on Equity (ROE) | 17.5009% | 363 |
| Retained earnings to average equity (ytd only) | 9.8688% | 426 |
| Net charge-offs to loans | 0.1513% | 1,746 |
| Credit loss provision to net charge-offs | 225.3363% | 1,272 |
| Earnings coverage of net charge-offs (x) | 34.9260% | 1,302 |
| Efficiency ratio | 34.2604% | 5,846 |
| Assets per employee ($millions) | 7.0737% | 891 |
| Cash dividends to net income (ytd only)* | 43.6095% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,434 |
| Loan loss allowance to noncurrent loans | 1,085.6512% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,936 |
| Noncurrent loans to loans | 0.1450% | 4,653 |
| Net loans and leases to total assets | 65.8620% | 3,092 |
| Net loans and leases to deposits | 74.2960% | 3,481 |
| Net loans and leases to core deposits | 75.3768% | 3,807 |
| Total domestic deposits to total assets | 88.6481% | 1,296 |
| Equity capital to assets | 11.1159% | 2,522 |
| Core capital (leverage) ratio | 11.2279% | 2,138 |
| Tier 1 risk-based capital ratio | 14.8123% | 3,043 |
| Total risk-based capital ratio | 16.0644% | 2,990 |
| Memoranda: | ||
| Average total assets | $438,596,600 | 1,547 |
| Average earning assets | $429,065,800 | 1,477 |
| Average equity | $49,580,400 | 1,530 |
| Average total loans | $294,869,000 | 1,543 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,204 |
| Cost of funding earning assets | 0.1593% | 5,421 |
| Net interest margin | 3.8494% | 2,161 |
| Noninterest income to average assets | 1.6490% | 450 |
| Noninterest expense to average assets | 1.9583% | 5,283 |
| Loan and lease loss provision to assets | 0.1097% | 2,099 |
| Net operating income to assets | 1.9673% | 357 |
| Return on assets (ROA) | 1.9691% | 373 |
| Pretax return on assets | 3.3471% | 98 |
| Return on Equity (ROE) | 17.3405% | 414 |
| Retained earnings to average equity (ytd only) | 9.6185% | 658 |
| Net charge-offs to loans | -0.1180% | 5,631 |
| Credit loss provision to net charge-offs | -138.1323% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1820% | 5,888 |
| Assets per employee ($millions) | 7.0632% | 868 |
| Cash dividends to net income (ytd only)* | 44.5317% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 1,324 |
| Loan loss allowance to noncurrent loans | 5,345.1613% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,435 |
| Noncurrent loans to loans | 0.0309% | 5,259 |
| Net loans and leases to total assets | 65.4981% | 3,205 |
| Net loans and leases to deposits | 74.1465% | 3,581 |
| Net loans and leases to core deposits | 75.0120% | 3,920 |
| Total domestic deposits to total assets | 88.3359% | 1,221 |
| Equity capital to assets | 11.2486% | 2,747 |
| Core capital (leverage) ratio | 11.2608% | 2,220 |
| Tier 1 risk-based capital ratio | 14.8687% | 3,116 |
| Total risk-based capital ratio | 16.1215% | 3,043 |
| Memoranda: | ||
| Average total assets | $431,529,750 | 1,569 |
| Average earning assets | $421,870,000 | 1,494 |
| Average equity | $49,001,500 | 1,553 |
| Average total loans | $290,485,250 | 1,565 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,311 |
| Cost of funding earning assets | 0.1581% | 5,493 |
| Net interest margin | 3.8212% | 2,236 |
| Noninterest income to average assets | 1.6817% | 441 |
| Noninterest expense to average assets | 1.9892% | 5,294 |
| Loan and lease loss provision to assets | 0.0848% | 2,449 |
| Net operating income to assets | 1.9661% | 354 |
| Return on assets (ROA) | 1.9694% | 367 |
| Pretax return on assets | 3.3469% | 99 |
| Return on Equity (ROE) | 17.2861% | 412 |
| Retained earnings to average equity (ytd only) | 9.4656% | 729 |
| Net charge-offs to loans | -0.1526% | 5,745 |
| Credit loss provision to net charge-offs | -82.1918% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7304% | 5,961 |
| Assets per employee ($millions) | 6.8326% | 935 |
| Cash dividends to net income (ytd only)* | 45.2415% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,503 |
| Loan loss allowance to noncurrent loans | 5,116.1290% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,511 |
| Noncurrent loans to loans | 0.0315% | 5,337 |
| Net loans and leases to total assets | 67.5399% | 2,859 |
| Net loans and leases to deposits | 76.7034% | 3,304 |
| Net loans and leases to core deposits | 77.7229% | 3,664 |
| Total domestic deposits to total assets | 88.0533% | 1,408 |
| Equity capital to assets | 11.5880% | 2,456 |
| Core capital (leverage) ratio | 11.5614% | 1,946 |
| Tier 1 risk-based capital ratio | 14.7020% | 3,202 |
| Total risk-based capital ratio | 15.9544% | 3,152 |
| Memoranda: | ||
| Average total assets | $424,690,670 | 1,599 |
| Average earning assets | $415,002,670 | 1,518 |
| Average equity | $48,385,670 | 1,571 |
| Average total loans | $286,962,670 | 1,583 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,423 |
| Cost of funding earning assets | 0.1582% | 5,549 |
| Net interest margin | 3.7865% | 2,341 |
| Noninterest income to average assets | 1.6586% | 436 |
| Noninterest expense to average assets | 2.0227% | 5,284 |
| Loan and lease loss provision to assets | 0.0759% | 2,435 |
| Net operating income to assets | 1.9563% | 360 |
| Return on assets (ROA) | 1.9544% | 381 |
| Pretax return on assets | 3.2574% | 111 |
| Return on Equity (ROE) | 17.3055% | 409 |
| Retained earnings to average equity (ytd only) | 9.3623% | 1,011 |
| Net charge-offs to loans | -0.0141% | 4,687 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7455% | 6,005 |
| Assets per employee ($millions) | 6.6212% | 1,046 |
| Cash dividends to net income (ytd only)* | 45.9000% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,749 |
| Loan loss allowance to noncurrent loans | 2,851.9231% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,484 |
| Noncurrent loans to loans | 0.0547% | 5,269 |
| Net loans and leases to total assets | 66.2346% | 2,913 |
| Net loans and leases to deposits | 75.2345% | 3,303 |
| Net loans and leases to core deposits | 76.3264% | 3,647 |
| Total domestic deposits to total assets | 88.0375% | 1,620 |
| Equity capital to assets | 11.4074% | 2,527 |
| Core capital (leverage) ratio | 11.5721% | 1,927 |
| Tier 1 risk-based capital ratio | 14.7300% | 3,269 |
| Total risk-based capital ratio | 15.9814% | 3,216 |
| Memoranda: | ||
| Average total assets | $421,809,000 | 1,608 |
| Average earning assets | $412,202,000 | 1,530 |
| Average equity | $47,638,000 | 1,585 |
| Average total loans | $282,701,000 | 1,603 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,332 |
| Cost of funding earning assets | 0.1606% | 5,610 |
| Net interest margin | 3.8329% | 2,265 |
| Noninterest income to average assets | 1.6716% | 468 |
| Noninterest expense to average assets | 2.0305% | 5,396 |
| Loan and lease loss provision to assets | 0.1451% | 1,630 |
| Net operating income to assets | 1.9369% | 386 |
| Return on assets (ROA) | 1.9366% | 396 |
| Pretax return on assets | 3.2328% | 104 |
| Return on Equity (ROE) | 16.5535% | 503 |
| Retained earnings to average equity (ytd only) | 3.0809% | 3,866 |
| Net charge-offs to loans | 0.0626% | 2,972 |
| Credit loss provision to net charge-offs | 339.2857% | 885 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 711 |
| Efficiency ratio | 37.5406% | 6,096 |
| Assets per employee ($millions) | 6.7719% | 975 |
| Cash dividends to net income (ytd only)* | 81.3880% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,781 |
| Loan loss allowance to noncurrent loans | 1,524.1259% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,358 |
| Noncurrent loans to loans | 0.1020% | 5,092 |
| Net loans and leases to total assets | 65.7171% | 3,025 |
| Net loans and leases to deposits | 74.1407% | 3,475 |
| Net loans and leases to core deposits | 75.9329% | 3,760 |
| Total domestic deposits to total assets | 88.6383% | 1,315 |
| Equity capital to assets | 11.1790% | 2,651 |
| Core capital (leverage) ratio | 11.1842% | 2,232 |
| Tier 1 risk-based capital ratio | 14.6432% | 3,356 |
| Total risk-based capital ratio | 15.8946% | 3,284 |
| Memoranda: | ||
| Average total assets | $392,850,400 | 1,675 |
| Average earning assets | $383,056,600 | 1,592 |
| Average equity | $45,960,000 | 1,606 |
| Average total loans | $268,186,400 | 1,627 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 3,346 |
| Cost of funding earning assets | 0.1597% | 5,709 |
| Net interest margin | 3.8399% | 2,236 |
| Noninterest income to average assets | 1.7059% | 455 |
| Noninterest expense to average assets | 2.1096% | 5,255 |
| Loan and lease loss provision to assets | 0.1278% | 1,771 |
| Net operating income to assets | 1.9392% | 399 |
| Return on assets (ROA) | 1.9376% | 414 |
| Pretax return on assets | 3.2105% | 105 |
| Return on Equity (ROE) | 16.3644% | 549 |
| Retained earnings to average equity (ytd only) | 0.6883% | 5,418 |
| Net charge-offs to loans | 0.1036% | 2,100 |
| Credit loss provision to net charge-offs | 179.6117% | 1,471 |
| Earnings coverage of net charge-offs (x) | 46.9611% | 1,104 |
| Efficiency ratio | 38.7062% | 6,153 |
| Assets per employee ($millions) | 6.4023% | 1,115 |
| Cash dividends to net income (ytd only)* | 95.7940% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 2,085 |
| Loan loss allowance to noncurrent loans | 419.6538% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 4,787 |
| Noncurrent loans to loans | 0.3615% | 4,320 |
| Net loans and leases to total assets | 66.3248% | 2,963 |
| Net loans and leases to deposits | 75.1281% | 3,414 |
| Net loans and leases to core deposits | 76.3475% | 3,763 |
| Total domestic deposits to total assets | 88.2822% | 1,407 |
| Equity capital to assets | 11.3685% | 2,624 |
| Core capital (leverage) ratio | 11.3654% | 2,140 |
| Tier 1 risk-based capital ratio | 14.7497% | 3,413 |
| Total risk-based capital ratio | 16.0008% | 3,363 |
| Memoranda: | ||
| Average total assets | $386,098,250 | 1,716 |
| Average earning assets | $376,497,250 | 1,626 |
| Average equity | $45,716,000 | 1,620 |
| Average total loans | $265,163,500 | 1,657 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,196 |
| Cost of funding earning assets | 0.1581% | 5,793 |
| Net interest margin | 3.8633% | 2,091 |
| Noninterest income to average assets | 1.7221% | 458 |
| Noninterest expense to average assets | 2.1081% | 5,323 |
| Loan and lease loss provision to assets | 0.1946% | 1,023 |
| Net operating income to assets | 1.9140% | 425 |
| Return on assets (ROA) | 1.9130% | 444 |
| Pretax return on assets | 3.1829% | 118 |
| Return on Equity (ROE) | 15.9317% | 614 |
| Retained earnings to average equity (ytd only) | 0.6788% | 5,290 |
| Net charge-offs to loans | 0.1711% | 1,444 |
| Credit loss provision to net charge-offs | 164.4444% | 1,440 |
| Earnings coverage of net charge-offs (x) | 28.5600% | 1,412 |
| Efficiency ratio | 38.4188% | 6,233 |
| Assets per employee ($millions) | 6.1106% | 1,272 |
| Cash dividends to net income (ytd only)* | 95.7394% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 2,194 |
| Loan loss allowance to noncurrent loans | 302.0619% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 4,478 |
| Noncurrent loans to loans | 0.5043% | 3,948 |
| Net loans and leases to total assets | 68.8851% | 2,502 |
| Net loans and leases to deposits | 78.5112% | 2,970 |
| Net loans and leases to core deposits | 79.9186% | 3,392 |
| Total domestic deposits to total assets | 87.7392% | 1,774 |
| Equity capital to assets | 11.9270% | 2,082 |
| Core capital (leverage) ratio | 11.9930% | 1,666 |
| Tier 1 risk-based capital ratio | 15.0560% | 3,328 |
| Total risk-based capital ratio | 16.3075% | 3,264 |
| Memoranda: | ||
| Average total assets | $380,349,670 | 1,745 |
| Average earning assets | $370,664,000 | 1,661 |
| Average equity | $45,670,000 | 1,632 |
| Average total loans | $263,005,330 | 1,667 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,122 |
| Cost of funding earning assets | 0.1573% | 5,863 |
| Net interest margin | 3.8736% | 1,985 |
| Noninterest income to average assets | 1.6750% | 454 |
| Noninterest expense to average assets | 2.0770% | 5,436 |
| Loan and lease loss provision to assets | 0.1905% | 987 |
| Net operating income to assets | 1.8594% | 435 |
| Return on assets (ROA) | 1.8580% | 464 |
| Pretax return on assets | 3.1827% | 123 |
| Return on Equity (ROE) | 15.4213% | 646 |
| Retained earnings to average equity (ytd only) | -1.5720% | 5,632 |
| Net charge-offs to loans | -0.0385% | 5,388 |
| Credit loss provision to net charge-offs | -720.0000% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0943% | 6,305 |
| Assets per employee ($millions) | 6.1800% | 1,268 |
| Cash dividends to net income (ytd only)* | 110.1936% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 2,174 |
| Loan loss allowance to noncurrent loans | 269.5596% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 4,410 |
| Noncurrent loans to loans | 0.5804% | 3,839 |
| Net loans and leases to total assets | 68.3396% | 2,389 |
| Net loans and leases to deposits | 78.0410% | 2,797 |
| Net loans and leases to core deposits | 79.4302% | 3,229 |
| Total domestic deposits to total assets | 87.5688% | 2,062 |
| Equity capital to assets | 11.8594% | 2,141 |
| Core capital (leverage) ratio | 12.2086% | 1,504 |
| Tier 1 risk-based capital ratio | 15.1503% | 3,351 |
| Total risk-based capital ratio | 16.4019% | 3,274 |
| Memoranda: | ||
| Average total assets | $378,041,000 | 1,761 |
| Average earning assets | $368,650,000 | 1,678 |
| Average equity | $45,547,500 | 1,639 |
| Average total loans | $259,864,500 | 1,686 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 4,300 |
| Cost of funding earning assets | 0.1631% | 6,023 |
| Net interest margin | 3.6910% | 3,040 |
| Noninterest income to average assets | 1.7095% | 438 |
| Noninterest expense to average assets | 2.0413% | 5,691 |
| Loan and lease loss provision to assets | 0.1869% | 1,375 |
| Net operating income to assets | 1.8525% | 425 |
| Return on assets (ROA) | 1.8560% | 438 |
| Pretax return on assets | 3.0736% | 105 |
| Return on Equity (ROE) | 15.0985% | 765 |
| Retained earnings to average equity (ytd only) | 2.3104% | 4,586 |
| Net charge-offs to loans | 0.1802% | 2,226 |
| Credit loss provision to net charge-offs | 163.4845% | 1,486 |
| Earnings coverage of net charge-offs (x) | 28.4749% | 1,392 |
| Efficiency ratio | 38.5412% | 6,417 |
| Assets per employee ($millions) | 6.2154% | 1,238 |
| Cash dividends to net income (ytd only)* | 84.6979% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 2,230 |
| Loan loss allowance to noncurrent loans | 177.7628% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 3,674 |
| Noncurrent loans to loans | 0.8773% | 3,126 |
| Net loans and leases to total assets | 66.9738% | 2,734 |
| Net loans and leases to deposits | 76.4956% | 3,141 |
| Net loans and leases to core deposits | 77.9882% | 3,520 |
| Total domestic deposits to total assets | 87.5525% | 2,004 |
| Equity capital to assets | 12.2424% | 1,828 |
| Core capital (leverage) ratio | 11.9223% | 1,679 |
| Tier 1 risk-based capital ratio | 16.4950% | 2,714 |
| Total risk-based capital ratio | 17.7472% | 2,665 |
| Memoranda: | ||
| Average total assets | $366,536,800 | 1,773 |
| Average earning assets | $356,190,600 | 1,681 |
| Average equity | $45,057,400 | 1,600 |
| Average total loans | $232,470,400 | 1,807 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 4,479 |
| Cost of funding earning assets | 0.1625% | 6,111 |
| Net interest margin | 3.6556% | 3,204 |
| Noninterest income to average assets | 1.6729% | 467 |
| Noninterest expense to average assets | 2.1377% | 5,491 |
| Loan and lease loss provision to assets | 0.1735% | 1,417 |
| Net operating income to assets | 1.7691% | 538 |
| Return on assets (ROA) | 1.7712% | 550 |
| Pretax return on assets | 2.9155% | 126 |
| Return on Equity (ROE) | 14.3935% | 914 |
| Retained earnings to average equity (ytd only) | 2.3930% | 4,859 |
| Net charge-offs to loans | 0.2424% | 1,589 |
| Credit loss provision to net charge-offs | 115.0121% | 1,973 |
| Earnings coverage of net charge-offs (x) | 20.4505% | 1,735 |
| Efficiency ratio | 40.9247% | 6,437 |
| Assets per employee ($millions) | 6.0935% | 1,270 |
| Cash dividends to net income (ytd only)* | 83.3746% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 2,293 |
| Loan loss allowance to noncurrent loans | 164.1014% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 3,911 |
| Noncurrent loans to loans | 0.9772% | 3,117 |
| Net loans and leases to total assets | 60.9539% | 3,639 |
| Net loans and leases to deposits | 69.5156% | 3,973 |
| Net loans and leases to core deposits | 70.8512% | 4,256 |
| Total domestic deposits to total assets | 87.6838% | 1,932 |
| Equity capital to assets | 11.9602% | 2,088 |
| Core capital (leverage) ratio | 11.9211% | 1,745 |
| Tier 1 risk-based capital ratio | 17.6194% | 2,351 |
| Total risk-based capital ratio | 18.8720% | 2,308 |
| Memoranda: | ||
| Average total assets | $364,939,750 | 1,798 |
| Average earning assets | $354,445,250 | 1,704 |
| Average equity | $44,908,000 | 1,610 |
| Average total loans | $227,158,250 | 1,857 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 4,333 |
| Cost of funding earning assets | 0.1610% | 6,189 |
| Net interest margin | 3.6896% | 3,003 |
| Noninterest income to average assets | 1.6736% | 461 |
| Noninterest expense to average assets | 2.1771% | 5,468 |
| Loan and lease loss provision to assets | 0.2218% | 1,044 |
| Net operating income to assets | 1.7338% | 542 |
| Return on assets (ROA) | 1.7352% | 571 |
| Pretax return on assets | 2.8609% | 133 |
| Return on Equity (ROE) | 13.9639% | 961 |
| Retained earnings to average equity (ytd only) | 3.2176% | 4,152 |
| Net charge-offs to loans | 0.3095% | 1,308 |
| Credit loss provision to net charge-offs | 114.9425% | 1,765 |
| Earnings coverage of net charge-offs (x) | 15.9626% | 1,822 |
| Efficiency ratio | 41.4091% | 6,496 |
| Assets per employee ($millions) | 5.9299% | 1,325 |
| Cash dividends to net income (ytd only)* | 76.9575% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 2,372 |
| Loan loss allowance to noncurrent loans | 178.1533% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 4,119 |
| Noncurrent loans to loans | 0.9127% | 3,438 |
| Net loans and leases to total assets | 60.6134% | 3,615 |
| Net loans and leases to deposits | 69.2884% | 3,912 |
| Net loans and leases to core deposits | 70.5460% | 4,214 |
| Total domestic deposits to total assets | 87.4799% | 2,204 |
| Equity capital to assets | 12.1641% | 1,875 |
| Core capital (leverage) ratio | 12.6099% | 1,342 |
| Tier 1 risk-based capital ratio | 17.7239% | 2,342 |
| Total risk-based capital ratio | 18.9762% | 2,310 |
| Memoranda: | ||
| Average total assets | $360,655,000 | 1,816 |
| Average earning assets | $350,338,330 | 1,717 |
| Average equity | $44,815,670 | 1,595 |
| Average total loans | $224,866,670 | 1,865 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 4,239 |
| Cost of funding earning assets | 0.1652% | 6,264 |
| Net interest margin | 3.6962% | 2,878 |
| Noninterest income to average assets | 1.7087% | 430 |
| Noninterest expense to average assets | 2.1988% | 5,469 |
| Loan and lease loss provision to assets | 0.3953% | 426 |
| Net operating income to assets | 1.6714% | 595 |
| Return on assets (ROA) | 1.6714% | 617 |
| Pretax return on assets | 2.7036% | 180 |
| Return on Equity (ROE) | 13.3028% | 1,080 |
| Retained earnings to average equity (ytd only) | 0.1618% | 5,497 |
| Net charge-offs to loans | 0.7164% | 492 |
| Credit loss provision to net charge-offs | 87.9397% | 1,821 |
| Earnings coverage of net charge-offs (x) | 6.8945% | 2,182 |
| Efficiency ratio | 41.5050% | 6,561 |
| Assets per employee ($millions) | 5.7145% | 1,526 |
| Cash dividends to net income (ytd only)* | 98.7838% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 2,571 |
| Loan loss allowance to noncurrent loans | 204.5480% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 4,498 |
| Noncurrent loans to loans | 0.7979% | 3,878 |
| Net loans and leases to total assets | 60.9918% | 3,396 |
| Net loans and leases to deposits | 69.9782% | 3,603 |
| Net loans and leases to core deposits | 71.5798% | 3,913 |
| Total domestic deposits to total assets | 87.1583% | 2,726 |
| Equity capital to assets | 12.3292% | 1,670 |
| Core capital (leverage) ratio | 12.8184% | 1,238 |
| Tier 1 risk-based capital ratio | 18.1761% | 2,220 |
| Total risk-based capital ratio | 19.4292% | 2,189 |
| Memoranda: | ||
| Average total assets | $354,190,500 | 1,856 |
| Average earning assets | $343,922,500 | 1,751 |
| Average equity | $44,502,000 | 1,599 |
| Average total loans | $222,207,500 | 1,884 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 3,681 |
| Cost of funding earning assets | 0.1747% | 6,418 |
| Net interest margin | 3.9394% | 2,140 |
| Noninterest income to average assets | 1.7654% | 478 |
| Noninterest expense to average assets | 2.2737% | 5,449 |
| Loan and lease loss provision to assets | 0.2415% | 1,495 |
| Net operating income to assets | 1.8877% | 408 |
| Return on assets (ROA) | 1.8560% | 446 |
| Pretax return on assets | 3.0157% | 121 |
| Return on Equity (ROE) | 13.9840% | 952 |
| Retained earnings to average equity (ytd only) | 1.6389% | 5,053 |
| Net charge-offs to loans | 0.3839% | 1,757 |
| Credit loss provision to net charge-offs | 100.2491% | 2,413 |
| Earnings coverage of net charge-offs (x) | 13.7248% | 1,995 |
| Efficiency ratio | 40.7441% | 6,680 |
| Assets per employee ($millions) | 5.4432% | 1,702 |
| Cash dividends to net income (ytd only)* | 88.2800% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 2,502 |
| Loan loss allowance to noncurrent loans | 230.1122% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 4,801 |
| Noncurrent loans to loans | 0.7252% | 4,153 |
| Net loans and leases to total assets | 62.4347% | 3,308 |
| Net loans and leases to deposits | 71.7840% | 3,550 |
| Net loans and leases to core deposits | 73.4566% | 3,899 |
| Total domestic deposits to total assets | 86.9758% | 2,737 |
| Equity capital to assets | 12.8075% | 1,364 |
| Core capital (leverage) ratio | 12.8159% | 1,216 |
| Tier 1 risk-based capital ratio | 18.4687% | 2,091 |
| Total risk-based capital ratio | 19.7222% | 2,058 |
| Memoranda: | ||
| Average total assets | $333,289,600 | 1,930 |
| Average earning assets | $322,760,800 | 1,842 |
| Average equity | $44,236,200 | 1,585 |
| Average total loans | $209,150,600 | 1,934 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,892 |
| Cost of funding earning assets | 0.1756% | 6,521 |
| Net interest margin | 3.8853% | 2,328 |
| Noninterest income to average assets | 1.7633% | 500 |
| Noninterest expense to average assets | 2.3205% | 5,271 |
| Loan and lease loss provision to assets | 0.1234% | 2,751 |
| Net operating income to assets | 1.9203% | 422 |
| Return on assets (ROA) | 1.9058% | 441 |
| Pretax return on assets | 3.0561% | 131 |
| Return on Equity (ROE) | 14.2268% | 944 |
| Retained earnings to average equity (ytd only) | 2.6671% | 4,721 |
| Net charge-offs to loans | 0.2723% | 2,191 |
| Credit loss provision to net charge-offs | 72.4466% | 3,019 |
| Earnings coverage of net charge-offs (x) | 18.7981% | 1,658 |
| Efficiency ratio | 42.0177% | 6,711 |
| Assets per employee ($millions) | 5.1609% | 1,977 |
| Cash dividends to net income (ytd only)* | 81.2527% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 2,636 |
| Loan loss allowance to noncurrent loans | 135.3409% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 4,089 |
| Noncurrent loans to loans | 1.2527% | 3,308 |
| Net loans and leases to total assets | 60.8215% | 3,558 |
| Net loans and leases to deposits | 70.2966% | 3,742 |
| Net loans and leases to core deposits | 71.8967% | 4,108 |
| Total domestic deposits to total assets | 86.5213% | 2,956 |
| Equity capital to assets | 13.0821% | 1,301 |
| Core capital (leverage) ratio | 13.0485% | 1,185 |
| Tier 1 risk-based capital ratio | 19.1523% | 1,940 |
| Total risk-based capital ratio | 20.4058% | 1,911 |
| Memoranda: | ||
| Average total assets | $329,520,250 | 1,965 |
| Average earning assets | $318,836,500 | 1,879 |
| Average equity | $44,141,000 | 1,599 |
| Average total loans | $206,140,000 | 1,965 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,896 |
| Cost of funding earning assets | 0.1757% | 6,596 |
| Net interest margin | 3.8811% | 2,268 |
| Noninterest income to average assets | 1.8839% | 485 |
| Noninterest expense to average assets | 2.3473% | 5,220 |
| Loan and lease loss provision to assets | 0.1688% | 2,227 |
| Net operating income to assets | 1.9177% | 411 |
| Return on assets (ROA) | 1.9090% | 454 |
| Pretax return on assets | 3.1109% | 138 |
| Return on Equity (ROE) | 14.1359% | 980 |
| Retained earnings to average equity (ytd only) | 0.0636% | 5,830 |
| Net charge-offs to loans | 0.2346% | 2,315 |
| Credit loss provision to net charge-offs | 114.5833% | 1,927 |
| Earnings coverage of net charge-offs (x) | 22.3542% | 1,372 |
| Efficiency ratio | 41.6150% | 6,765 |
| Assets per employee ($millions) | 5.0334% | 2,074 |
| Cash dividends to net income (ytd only)* | 99.5498% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,474 |
| Loan loss allowance to noncurrent loans | 130.6667% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 3,361 |
| Noncurrent loans to loans | 1.3680% | 3,269 |
| Net loans and leases to total assets | 62.5385% | 3,191 |
| Net loans and leases to deposits | 72.5180% | 3,378 |
| Net loans and leases to core deposits | 74.0409% | 3,807 |
| Total domestic deposits to total assets | 86.2386% | 3,238 |
| Equity capital to assets | 13.3928% | 1,185 |
| Core capital (leverage) ratio | 13.4045% | 1,015 |
| Tier 1 risk-based capital ratio | 18.7524% | 2,060 |
| Total risk-based capital ratio | 20.0070% | 2,025 |
| Memoranda: | ||
| Average total assets | $325,821,000 | 1,993 |
| Average earning assets | $315,377,330 | 1,899 |
| Average equity | $44,001,330 | 1,605 |
| Average total loans | $204,606,000 | 1,977 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 4,180 |
| Cost of funding earning assets | 0.1757% | 6,694 |
| Net interest margin | 3.8098% | 2,408 |
| Noninterest income to average assets | 1.8724% | 474 |
| Noninterest expense to average assets | 2.3632% | 5,222 |
| Loan and lease loss provision to assets | 0.0615% | 3,607 |
| Net operating income to assets | 1.9007% | 406 |
| Return on assets (ROA) | 1.9007% | 445 |
| Pretax return on assets | 3.1297% | 143 |
| Return on Equity (ROE) | 14.0157% | 958 |
| Retained earnings to average equity (ytd only) | -0.4173% | 5,861 |
| Net charge-offs to loans | -0.0178% | 5,666 |
| Credit loss provision to net charge-offs | -555.5556% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5471% | 6,818 |
| Assets per employee ($millions) | 5.0979% | 2,098 |
| Cash dividends to net income (ytd only)* | 102.9773% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 2,410 |
| Loan loss allowance to noncurrent loans | 119.2871% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 3,448 |
| Noncurrent loans to loans | 1.5619% | 3,203 |
| Net loans and leases to total assets | 59.5764% | 3,504 |
| Net loans and leases to deposits | 69.1600% | 3,617 |
| Net loans and leases to core deposits | 70.3118% | 4,036 |
| Total domestic deposits to total assets | 86.1429% | 3,454 |
| Equity capital to assets | 13.2740% | 1,306 |
| Core capital (leverage) ratio | 13.6763% | 883 |
| Tier 1 risk-based capital ratio | 21.8060% | 1,371 |
| Total risk-based capital ratio | 23.0641% | 1,340 |
| Memoranda: | ||
| Average total assets | $325,147,500 | 2,021 |
| Average earning assets | $314,240,500 | 1,935 |
| Average equity | $44,093,500 | 1,622 |
| Average total loans | $202,744,000 | 2,011 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 4,259 |
| Cost of funding earning assets | 0.1826% | 6,868 |
| Net interest margin | 4.1014% | 1,996 |
| Noninterest income to average assets | 2.0372% | 422 |
| Noninterest expense to average assets | 2.3838% | 5,456 |
| Loan and lease loss provision to assets | 0.2438% | 2,705 |
| Net operating income to assets | 2.0442% | 332 |
| Return on assets (ROA) | 2.0442% | 360 |
| Pretax return on assets | 3.3802% | 107 |
| Return on Equity (ROE) | 14.5678% | 895 |
| Retained earnings to average equity (ytd only) | 0.4637% | 5,622 |
| Net charge-offs to loans | 0.3318% | 2,979 |
| Credit loss provision to net charge-offs | 114.9701% | 2,521 |
| Earnings coverage of net charge-offs (x) | 17.0913% | 1,529 |
| Efficiency ratio | 39.6788% | 6,935 |
| Assets per employee ($millions) | 4.9067% | 2,348 |
| Cash dividends to net income (ytd only)* | 96.8168% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 2,571 |
| Loan loss allowance to noncurrent loans | 84.1661% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.7220% | 2,813 |
| Noncurrent loans to loans | 2.1451% | 2,529 |
| Net loans and leases to total assets | 62.9089% | 3,076 |
| Net loans and leases to deposits | 73.2445% | 3,219 |
| Net loans and leases to core deposits | 74.5999% | 3,705 |
| Total domestic deposits to total assets | 85.8889% | 3,407 |
| Equity capital to assets | 13.8593% | 1,098 |
| Core capital (leverage) ratio | 13.3815% | 991 |
| Tier 1 risk-based capital ratio | 22.0023% | 1,259 |
| Total risk-based capital ratio | 23.2599% | 1,232 |
| Memoranda: | ||
| Average total assets | $315,038,000 | 2,037 |
| Average earning assets | $304,991,600 | 1,941 |
| Average equity | $44,207,200 | 1,581 |
| Average total loans | $201,331,200 | 1,995 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 4,571 |
| Cost of funding earning assets | 0.1803% | 6,988 |
| Net interest margin | 4.0916% | 2,116 |
| Noninterest income to average assets | 2.0535% | 405 |
| Noninterest expense to average assets | 2.4287% | 5,312 |
| Loan and lease loss provision to assets | 0.1380% | 3,822 |
| Net operating income to assets | 2.0641% | 350 |
| Return on assets (ROA) | 2.0641% | 394 |
| Pretax return on assets | 3.4565% | 106 |
| Return on Equity (ROE) | 14.6635% | 966 |
| Retained earnings to average equity (ytd only) | 0.9168% | 5,803 |
| Net charge-offs to loans | 0.0698% | 4,714 |
| Credit loss provision to net charge-offs | 309.5238% | 867 |
| Earnings coverage of net charge-offs (x) | 80.6361% | 512 |
| Efficiency ratio | 40.3228% | 7,008 |
| Assets per employee ($millions) | 4.9065% | 2,316 |
| Cash dividends to net income (ytd only)* | 93.7475% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,665 |
| Loan loss allowance to noncurrent loans | 45.5895% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 2.8382% | 1,853 |
| Noncurrent loans to loans | 4.0433% | 1,260 |
| Net loans and leases to total assets | 62.6348% | 3,271 |
| Net loans and leases to deposits | 72.9113% | 3,463 |
| Net loans and leases to core deposits | 74.3108% | 3,939 |
| Total domestic deposits to total assets | 85.9055% | 3,305 |
| Equity capital to assets | 13.6603% | 1,283 |
| Core capital (leverage) ratio | 13.6572% | 957 |
| Tier 1 risk-based capital ratio | 21.8896% | 1,349 |
| Total risk-based capital ratio | 23.1478% | 1,325 |
| Memoranda: | ||
| Average total assets | $314,064,000 | 2,069 |
| Average earning assets | $304,717,000 | 1,960 |
| Average equity | $44,208,500 | 1,591 |
| Average total loans | $200,582,250 | 2,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 4,542 |
| Cost of funding earning assets | 0.1805% | 7,064 |
| Net interest margin | 4.1267% | 1,982 |
| Noninterest income to average assets | 2.0411% | 392 |
| Noninterest expense to average assets | 2.4472% | 5,301 |
| Loan and lease loss provision to assets | 0.1930% | 3,159 |
| Net operating income to assets | 2.0379% | 369 |
| Return on assets (ROA) | 2.0379% | 413 |
| Pretax return on assets | 3.4027% | 116 |
| Return on Equity (ROE) | 14.3305% | 1,043 |
| Retained earnings to average equity (ytd only) | 1.0996% | 5,633 |
| Net charge-offs to loans | 0.2155% | 3,285 |
| Credit loss provision to net charge-offs | 140.1869% | 1,965 |
| Earnings coverage of net charge-offs (x) | 26.1121% | 1,179 |
| Efficiency ratio | 40.4962% | 7,057 |
| Assets per employee ($millions) | 4.8372% | 2,376 |
| Cash dividends to net income (ytd only)* | 92.3271% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8170% | 2,794 |
| Loan loss allowance to noncurrent loans | 40.2651% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 3.3236% | 1,624 |
| Noncurrent loans to loans | 4.5127% | 1,173 |
| Net loans and leases to total assets | 63.1567% | 3,206 |
| Net loans and leases to deposits | 73.8711% | 3,316 |
| Net loans and leases to core deposits | 75.1950% | 3,854 |
| Total domestic deposits to total assets | 85.4959% | 3,611 |
| Equity capital to assets | 14.0919% | 1,056 |
| Core capital (leverage) ratio | 14.0738% | 786 |
| Tier 1 risk-based capital ratio | 22.1597% | 1,258 |
| Total risk-based capital ratio | 23.4176% | 1,237 |
| Memoranda: | ||
| Average total assets | $310,809,330 | 2,086 |
| Average earning assets | $301,405,330 | 1,971 |
| Average equity | $44,199,330 | 1,580 |
| Average total loans | $198,563,670 | 2,036 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 5,231 |
| Cost of funding earning assets | 0.1789% | 7,136 |
| Net interest margin | 3.9865% | 2,564 |
| Noninterest income to average assets | 2.0090% | 404 |
| Noninterest expense to average assets | 2.3844% | 5,526 |
| Loan and lease loss provision to assets | 0.1942% | 3,001 |
| Net operating income to assets | 1.9702% | 445 |
| Return on assets (ROA) | 1.9702% | 512 |
| Pretax return on assets | 3.2958% | 141 |
| Return on Equity (ROE) | 13.7909% | 1,228 |
| Retained earnings to average equity (ytd only) | 0.9333% | 5,696 |
| Net charge-offs to loans | 0.2135% | 2,857 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 25.6762% | 1,023 |
| Efficiency ratio | 40.5906% | 7,089 |
| Assets per employee ($millions) | 4.6324% | 2,758 |
| Cash dividends to net income (ytd only)* | 93.2326% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 2,821 |
| Loan loss allowance to noncurrent loans | 27.7532% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 4.4882% | 1,194 |
| Noncurrent loans to loans | 6.6893% | 702 |
| Net loans and leases to total assets | 61.8981% | 3,275 |
| Net loans and leases to deposits | 72.6747% | 3,329 |
| Net loans and leases to core deposits | 73.5872% | 3,949 |
| Total domestic deposits to total assets | 85.1715% | 3,953 |
| Equity capital to assets | 14.2035% | 948 |
| Core capital (leverage) ratio | 14.3407% | 722 |
| Tier 1 risk-based capital ratio | 22.7383% | 1,167 |
| Total risk-based capital ratio | 23.9963% | 1,146 |
| Memoranda: | ||
| Average total assets | $309,003,500 | 2,105 |
| Average earning assets | $299,614,000 | 1,986 |
| Average equity | $44,145,000 | 1,574 |
| Average total loans | $196,719,000 | 2,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 3,743 |
| Cost of funding earning assets | 0.2117% | 7,225 |
| Net interest margin | 4.6026% | 922 |
| Noninterest income to average assets | 2.0589% | 358 |
| Noninterest expense to average assets | 2.4761% | 5,549 |
| Loan and lease loss provision to assets | 1.2114% | 727 |
| Net operating income to assets | 1.7133% | 538 |
| Return on assets (ROA) | 1.7133% | 575 |
| Pretax return on assets | 2.8427% | 142 |
| Return on Equity (ROE) | 11.5163% | 1,550 |
| Retained earnings to average equity (ytd only) | 1.3302% | 5,224 |
| Net charge-offs to loans | 1.6337% | 962 |
| Credit loss provision to net charge-offs | 106.1461% | 3,208 |
| Earnings coverage of net charge-offs (x) | 3.5523% | 3,472 |
| Efficiency ratio | 37.9171% | 7,235 |
| Assets per employee ($millions) | 4.6612% | 2,667 |
| Cash dividends to net income (ytd only)* | 88.4494% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,823 |
| Loan loss allowance to noncurrent loans | 29.6587% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 4.1438% | 1,374 |
| Noncurrent loans to loans | 6.1211% | 798 |
| Net loans and leases to total assets | 63.0944% | 3,382 |
| Net loans and leases to deposits | 73.9674% | 3,504 |
| Net loans and leases to core deposits | 74.8542% | 4,120 |
| Total domestic deposits to total assets | 85.3003% | 3,691 |
| Equity capital to assets | 14.3698% | 944 |
| Core capital (leverage) ratio | 14.1328% | 791 |
| Tier 1 risk-based capital ratio | 22.6488% | 1,140 |
| Total risk-based capital ratio | 23.9068% | 1,116 |
| Memoranda: | ||
| Average total assets | $295,104,400 | 2,168 |
| Average earning assets | $286,687,200 | 2,044 |
| Average equity | $43,903,000 | 1,541 |
| Average total loans | $206,154,800 | 1,985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 3,285 |
| Cost of funding earning assets | 0.2198% | 7,307 |
| Net interest margin | 4.7409% | 698 |
| Noninterest income to average assets | 2.1097% | 353 |
| Noninterest expense to average assets | 2.4541% | 5,614 |
| Loan and lease loss provision to assets | 1.5298% | 440 |
| Net operating income to assets | 1.6545% | 700 |
| Return on assets (ROA) | 1.6545% | 766 |
| Pretax return on assets | 2.7354% | 174 |
| Return on Equity (ROE) | 11.0219% | 1,854 |
| Retained earnings to average equity (ytd only) | -0.7514% | 6,108 |
| Net charge-offs to loans | 2.0921% | 591 |
| Credit loss provision to net charge-offs | 102.5092% | 3,250 |
| Earnings coverage of net charge-offs (x) | 2.8580% | 3,715 |
| Efficiency ratio | 36.5230% | 7,310 |
| Assets per employee ($millions) | 4.4518% | 3,000 |
| Cash dividends to net income (ytd only)* | 106.8174% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 3,254 |
| Loan loss allowance to noncurrent loans | 94.2842% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 3,787 |
| Noncurrent loans to loans | 1.8062% | 3,632 |
| Net loans and leases to total assets | 67.0352% | 2,671 |
| Net loans and leases to deposits | 78.8728% | 2,834 |
| Net loans and leases to core deposits | 80.5871% | 3,550 |
| Total domestic deposits to total assets | 84.9916% | 3,769 |
| Equity capital to assets | 14.5246% | 982 |
| Core capital (leverage) ratio | 14.4184% | 788 |
| Tier 1 risk-based capital ratio | 21.3264% | 1,397 |
| Total risk-based capital ratio | 22.5827% | 1,374 |
| Memoranda: | ||
| Average total assets | $291,970,750 | 2,196 |
| Average earning assets | $283,876,000 | 2,074 |
| Average equity | $43,827,000 | 1,548 |
| Average total loans | $208,270,500 | 1,995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 3,094 |
| Cost of funding earning assets | 0.2275% | 7,389 |
| Net interest margin | 4.7858% | 616 |
| Noninterest income to average assets | 2.1582% | 328 |
| Noninterest expense to average assets | 2.4777% | 5,620 |
| Loan and lease loss provision to assets | 0.8970% | 999 |
| Net operating income to assets | 2.0816% | 305 |
| Return on assets (ROA) | 2.0816% | 316 |
| Pretax return on assets | 3.4422% | 112 |
| Return on Equity (ROE) | 13.7152% | 1,042 |
| Retained earnings to average equity (ytd only) | 3.1594% | 4,261 |
| Net charge-offs to loans | 1.1739% | 1,334 |
| Credit loss provision to net charge-offs | 105.5195% | 2,927 |
| Earnings coverage of net charge-offs (x) | 5.1047% | 2,690 |
| Efficiency ratio | 36.3462% | 7,382 |
| Assets per employee ($millions) | 4.4819% | 2,873 |
| Cash dividends to net income (ytd only)* | 76.9639% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 3,506 |
| Loan loss allowance to noncurrent loans | 119.2534% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 4,568 |
| Noncurrent loans to loans | 1.3820% | 4,338 |
| Net loans and leases to total assets | 70.6717% | 2,080 |
| Net loans and leases to deposits | 83.7711% | 2,139 |
| Net loans and leases to core deposits | 85.5239% | 2,995 |
| Total domestic deposits to total assets | 84.3629% | 4,183 |
| Equity capital to assets | 15.2207% | 765 |
| Core capital (leverage) ratio | 14.9270% | 679 |
| Tier 1 risk-based capital ratio | 21.1940% | 1,383 |
| Total risk-based capital ratio | 22.4495% | 1,362 |
| Memoranda: | ||
| Average total assets | $289,870,000 | 2,219 |
| Average earning assets | $282,167,670 | 2,086 |
| Average equity | $43,995,000 | 1,529 |
| Average total loans | $209,890,000 | 2,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 2,915 |
| Cost of funding earning assets | 0.2284% | 7,461 |
| Net interest margin | 4.8101% | 560 |
| Noninterest income to average assets | 2.1221% | 335 |
| Noninterest expense to average assets | 2.4749% | 5,646 |
| Loan and lease loss provision to assets | 0.8300% | 1,001 |
| Net operating income to assets | 2.0751% | 314 |
| Return on assets (ROA) | 2.0751% | 328 |
| Pretax return on assets | 3.5069% | 126 |
| Return on Equity (ROE) | 13.6919% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.8419% | 2,730 |
| Net charge-offs to loans | 0.9155% | 1,455 |
| Credit loss provision to net charge-offs | 124.7401% | 2,212 |
| Earnings coverage of net charge-offs (x) | 6.5177% | 2,088 |
| Efficiency ratio | 36.3323% | 7,439 |
| Assets per employee ($millions) | 4.6740% | 2,618 |
| Cash dividends to net income (ytd only)* | 57.3333% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 3,441 |
| Loan loss allowance to noncurrent loans | 42.2061% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.8170% | 2,446 |
| Noncurrent loans to loans | 3.9606% | 1,844 |
| Net loans and leases to total assets | 69.9367% | 2,137 |
| Net loans and leases to deposits | 82.8972% | 2,197 |
| Net loans and leases to core deposits | 84.4093% | 3,112 |
| Total domestic deposits to total assets | 84.3656% | 4,338 |
| Equity capital to assets | 14.9691% | 777 |
| Core capital (leverage) ratio | 15.2268% | 620 |
| Tier 1 risk-based capital ratio | 21.0582% | 1,381 |
| Total risk-based capital ratio | 22.3140% | 1,354 |
| Memoranda: | ||
| Average total assets | $289,142,000 | 2,239 |
| Average earning assets | $281,905,000 | 2,100 |
| Average equity | $43,821,500 | 1,522 |
| Average total loans | $210,167,500 | 2,014 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 3,052 |
| Cost of funding earning assets | 0.2827% | 7,519 |
| Net interest margin | 5.0323% | 399 |
| Noninterest income to average assets | 2.2036% | 337 |
| Noninterest expense to average assets | 2.4743% | 5,883 |
| Loan and lease loss provision to assets | 0.5742% | 2,835 |
| Net operating income to assets | 2.4333% | 122 |
| Return on assets (ROA) | 2.4333% | 129 |
| Pretax return on assets | 4.0430% | 70 |
| Return on Equity (ROE) | 16.2705% | 555 |
| Retained earnings to average equity (ytd only) | 8.0153% | 975 |
| Net charge-offs to loans | 0.4596% | 3,780 |
| Credit loss provision to net charge-offs | 165.6315% | 2,070 |
| Earnings coverage of net charge-offs (x) | 13.3178% | 1,420 |
| Efficiency ratio | 34.8904% | 7,551 |
| Assets per employee ($millions) | 4.5052% | 2,862 |
| Cash dividends to net income (ytd only)* | 50.7375% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,481 |
| Loan loss allowance to noncurrent loans | 43.1429% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.8003% | 2,501 |
| Noncurrent loans to loans | 3.7686% | 1,966 |
| Net loans and leases to total assets | 73.0979% | 1,849 |
| Net loans and leases to deposits | 86.6531% | 1,985 |
| Net loans and leases to core deposits | 88.3912% | 2,999 |
| Total domestic deposits to total assets | 84.3569% | 4,197 |
| Equity capital to assets | 15.3492% | 708 |
| Core capital (leverage) ratio | 14.9800% | 669 |
| Tier 1 risk-based capital ratio | 20.8941% | 1,329 |
| Total risk-based capital ratio | 22.1508% | 1,307 |
| Memoranda: | ||
| Average total assets | $278,629,000 | 2,292 |
| Average earning assets | $270,631,000 | 2,176 |
| Average equity | $41,670,400 | 1,589 |
| Average total loans | $210,205,000 | 2,071 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3316% | 3,204 |
| Cost of funding earning assets | 0.2969% | 7,639 |
| Net interest margin | 5.0347% | 398 |
| Noninterest income to average assets | 2.1817% | 336 |
| Noninterest expense to average assets | 2.4423% | 5,913 |
| Loan and lease loss provision to assets | 0.4808% | 3,067 |
| Net operating income to assets | 2.4471% | 151 |
| Return on assets (ROA) | 2.4471% | 157 |
| Pretax return on assets | 4.1427% | 69 |
| Return on Equity (ROE) | 16.4734% | 654 |
| Retained earnings to average equity (ytd only) | 8.1234% | 1,384 |
| Net charge-offs to loans | 0.2488% | 4,444 |
| Credit loss provision to net charge-offs | 255.1020% | 1,305 |
| Earnings coverage of net charge-offs (x) | 24.5333% | 1,024 |
| Efficiency ratio | 34.5649% | 7,644 |
| Assets per employee ($millions) | 4.3641% | 3,138 |
| Cash dividends to net income (ytd only)* | 50.6875% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,626 |
| Loan loss allowance to noncurrent loans | 40.4445% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.9661% | 2,448 |
| Noncurrent loans to loans | 3.9011% | 1,939 |
| Net loans and leases to total assets | 74.8340% | 1,611 |
| Net loans and leases to deposits | 88.5566% | 1,932 |
| Net loans and leases to core deposits | 91.2538% | 2,912 |
| Total domestic deposits to total assets | 84.5041% | 3,862 |
| Equity capital to assets | 15.0214% | 886 |
| Core capital (leverage) ratio | 14.8684% | 739 |
| Tier 1 risk-based capital ratio | 20.0677% | 1,535 |
| Total risk-based capital ratio | 21.3222% | 1,501 |
| Memoranda: | ||
| Average total assets | $277,330,000 | 2,337 |
| Average earning assets | $269,031,250 | 2,220 |
| Average equity | $41,196,750 | 1,610 |
| Average total loans | $210,031,500 | 2,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3537% | 3,200 |
| Cost of funding earning assets | 0.3315% | 7,696 |
| Net interest margin | 5.0222% | 401 |
| Noninterest income to average assets | 2.2077% | 309 |
| Noninterest expense to average assets | 2.4359% | 5,956 |
| Loan and lease loss provision to assets | 0.5632% | 2,521 |
| Net operating income to assets | 2.4323% | 153 |
| Return on assets (ROA) | 2.4323% | 159 |
| Pretax return on assets | 4.0746% | 69 |
| Return on Equity (ROE) | 16.4369% | 643 |
| Retained earnings to average equity (ytd only) | 7.9901% | 1,443 |
| Net charge-offs to loans | 0.3795% | 3,463 |
| Credit loss provision to net charge-offs | 196.2025% | 2,012 |
| Earnings coverage of net charge-offs (x) | 16.1570% | 1,413 |
| Efficiency ratio | 34.4360% | 7,713 |
| Assets per employee ($millions) | 4.2343% | 3,328 |
| Cash dividends to net income (ytd only)* | 51.3893% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 3,821 |
| Loan loss allowance to noncurrent loans | 38.0832% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 2.9832% | 2,389 |
| Noncurrent loans to loans | 3.9886% | 1,900 |
| Net loans and leases to total assets | 73.6574% | 1,990 |
| Net loans and leases to deposits | 86.9807% | 2,341 |
| Net loans and leases to core deposits | 87.6362% | 3,593 |
| Total domestic deposits to total assets | 84.6825% | 3,779 |
| Equity capital to assets | 14.9157% | 900 |
| Core capital (leverage) ratio | 14.9258% | 733 |
| Tier 1 risk-based capital ratio | 20.1574% | 1,489 |
| Total risk-based capital ratio | 21.4112% | 1,457 |
| Memoranda: | ||
| Average total assets | $275,217,330 | 2,369 |
| Average earning assets | $266,658,000 | 2,256 |
| Average equity | $40,725,330 | 1,623 |
| Average total loans | $208,147,670 | 2,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 2,888 |
| Cost of funding earning assets | 0.3543% | 7,791 |
| Net interest margin | 5.0777% | 360 |
| Noninterest income to average assets | 2.2205% | 296 |
| Noninterest expense to average assets | 2.4182% | 6,021 |
| Loan and lease loss provision to assets | 0.7323% | 1,735 |
| Net operating income to assets | 2.4592% | 157 |
| Return on assets (ROA) | 2.4592% | 172 |
| Pretax return on assets | 3.9825% | 77 |
| Return on Equity (ROE) | 16.6874% | 635 |
| Retained earnings to average equity (ytd only) | 8.1399% | 1,653 |
| Net charge-offs to loans | 0.6721% | 2,145 |
| Credit loss provision to net charge-offs | 143.2665% | 2,483 |
| Earnings coverage of net charge-offs (x) | 9.2235% | 1,881 |
| Efficiency ratio | 33.9014% | 7,818 |
| Assets per employee ($millions) | 4.2014% | 3,458 |
| Cash dividends to net income (ytd only)* | 51.2210% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,306 |
| Loan loss allowance to noncurrent loans | 35.0506% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 3.0778% | 2,324 |
| Noncurrent loans to loans | 4.0584% | 1,922 |
| Net loans and leases to total assets | 74.7577% | 1,794 |
| Net loans and leases to deposits | 88.6324% | 2,107 |
| Net loans and leases to core deposits | 89.2415% | 3,465 |
| Total domestic deposits to total assets | 84.3458% | 3,975 |
| Equity capital to assets | 14.8878% | 909 |
| Core capital (leverage) ratio | 15.1506% | 720 |
| Tier 1 risk-based capital ratio | 19.9541% | 1,533 |
| Total risk-based capital ratio | 21.2077% | 1,499 |
| Memoranda: | ||
| Average total assets | $273,094,000 | 2,446 |
| Average earning assets | $264,215,500 | 2,322 |
| Average equity | $40,246,000 | 1,670 |
| Average total loans | $207,711,000 | 2,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7243% | 2,990 |
| Cost of funding earning assets | 0.4862% | 7,844 |
| Net interest margin | 5.2381% | 271 |
| Noninterest income to average assets | 2.1456% | 344 |
| Noninterest expense to average assets | 2.4687% | 6,243 |
| Loan and lease loss provision to assets | 0.5590% | 3,580 |
| Net operating income to assets | 2.4299% | 97 |
| Return on assets (ROA) | 2.4299% | 108 |
| Pretax return on assets | 4.1648% | 54 |
| Return on Equity (ROE) | 17.1201% | 449 |
| Retained earnings to average equity (ytd only) | 10.3456% | 341 |
| Net charge-offs to loans | 0.4254% | 4,092 |
| Credit loss provision to net charge-offs | 170.0680% | 2,511 |
| Earnings coverage of net charge-offs (x) | 14.3707% | 1,373 |
| Efficiency ratio | 34.3230% | 7,909 |
| Assets per employee ($millions) | 4.3349% | 3,217 |
| Cash dividends to net income (ytd only)* | 39.5706% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,525 |
| Loan loss allowance to noncurrent loans | 44.1548% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 2,982 |
| Noncurrent loans to loans | 3.0386% | 2,539 |
| Net loans and leases to total assets | 75.2570% | 1,980 |
| Net loans and leases to deposits | 88.5262% | 2,468 |
| Net loans and leases to core deposits | 93.1297% | 4,766 |
| Total domestic deposits to total assets | 85.0109% | 3,543 |
| Equity capital to assets | 14.5863% | 1,003 |
| Core capital (leverage) ratio | 14.4825% | 885 |
| Tier 1 risk-based capital ratio | 19.3851% | 1,574 |
| Total risk-based capital ratio | 20.6363% | 1,536 |
| Memoranda: | ||
| Average total assets | $268,321,000 | 2,438 |
| Average earning assets | $258,530,600 | 2,339 |
| Average equity | $38,083,800 | 1,758 |
| Average total loans | $207,331,000 | 2,229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 3,066 |
| Cost of funding earning assets | 0.5153% | 7,934 |
| Net interest margin | 5.2440% | 284 |
| Noninterest income to average assets | 2.0429% | 351 |
| Noninterest expense to average assets | 2.5530% | 5,883 |
| Loan and lease loss provision to assets | 0.3868% | 4,000 |
| Net operating income to assets | 2.3818% | 127 |
| Return on assets (ROA) | 2.3818% | 141 |
| Pretax return on assets | 4.1522% | 46 |
| Return on Equity (ROE) | 16.9009% | 556 |
| Retained earnings to average equity (ytd only) | 10.8092% | 496 |
| Net charge-offs to loans | -0.0052% | 7,633 |
| Credit loss provision to net charge-offs | -9,687.5000% | 7,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9983% | 7,974 |
| Assets per employee ($millions) | 4.3668% | 3,092 |
| Cash dividends to net income (ytd only)* | 36.0436% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 3,852 |
| Loan loss allowance to noncurrent loans | 45.4057% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 2,857 |
| Noncurrent loans to loans | 3.1223% | 2,417 |
| Net loans and leases to total assets | 76.0240% | 1,992 |
| Net loans and leases to deposits | 89.3413% | 2,710 |
| Net loans and leases to core deposits | 94.4382% | 4,980 |
| Total domestic deposits to total assets | 85.0939% | 3,179 |
| Equity capital to assets | 14.3480% | 1,191 |
| Core capital (leverage) ratio | 14.4072% | 977 |
| Tier 1 risk-based capital ratio | 18.8888% | 1,769 |
| Total risk-based capital ratio | 20.1411% | 1,733 |
| Memoranda: | ||
| Average total assets | $267,126,500 | 2,457 |
| Average earning assets | $257,199,500 | 2,363 |
| Average equity | $37,646,000 | 1,802 |
| Average total loans | $207,083,500 | 2,249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 2,998 |
| Cost of funding earning assets | 0.5659% | 8,011 |
| Net interest margin | 5.2444% | 272 |
| Noninterest income to average assets | 2.0156% | 372 |
| Noninterest expense to average assets | 2.5782% | 5,825 |
| Loan and lease loss provision to assets | 0.3572% | 3,782 |
| Net operating income to assets | 2.3691% | 138 |
| Return on assets (ROA) | 2.3691% | 156 |
| Pretax return on assets | 4.1125% | 52 |
| Return on Equity (ROE) | 16.9146% | 590 |
| Retained earnings to average equity (ytd only) | 12.2966% | 401 |
| Net charge-offs to loans | 0.0010% | 6,620 |
| Credit loss provision to net charge-offs | 47,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 5,943.0000% | 3 |
| Efficiency ratio | 36.5809% | 8,062 |
| Assets per employee ($millions) | 4.2925% | 3,131 |
| Cash dividends to net income (ytd only)* | 27.3016% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,467 |
| Loan loss allowance to noncurrent loans | 41.7152% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.5457% | 2,528 |
| Noncurrent loans to loans | 3.0447% | 2,362 |
| Net loans and leases to total assets | 77.4314% | 1,872 |
| Net loans and leases to deposits | 90.8963% | 2,677 |
| Net loans and leases to core deposits | 96.4179% | 4,853 |
| Total domestic deposits to total assets | 85.1865% | 3,173 |
| Equity capital to assets | 14.3014% | 1,225 |
| Core capital (leverage) ratio | 14.2949% | 1,070 |
| Tier 1 risk-based capital ratio | 18.5852% | 1,861 |
| Total risk-based capital ratio | 19.8356% | 1,816 |
| Memoranda: | ||
| Average total assets | $265,921,330 | 2,477 |
| Average earning assets | $255,166,330 | 2,398 |
| Average equity | $37,246,000 | 1,828 |
| Average total loans | $206,515,000 | 2,274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8508% | 3,035 |
| Cost of funding earning assets | 0.6456% | 8,029 |
| Net interest margin | 5.2052% | 277 |
| Noninterest income to average assets | 2.1022% | 334 |
| Noninterest expense to average assets | 2.5266% | 5,737 |
| Loan and lease loss provision to assets | 0.3762% | 3,071 |
| Net operating income to assets | 2.4453% | 146 |
| Return on assets (ROA) | 2.4453% | 178 |
| Pretax return on assets | 4.1864% | 55 |
| Return on Equity (ROE) | 17.6446% | 620 |
| Retained earnings to average equity (ytd only) | 17.6446% | 241 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6400% | 8,111 |
| Assets per employee ($millions) | 4.3148% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 4,994 |
| Loan loss allowance to noncurrent loans | 38.1724% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 2.5337% | 2,266 |
| Noncurrent loans to loans | 3.0608% | 2,124 |
| Net loans and leases to total assets | 76.7411% | 2,103 |
| Net loans and leases to deposits | 90.0760% | 2,921 |
| Net loans and leases to core deposits | 96.4746% | 4,910 |
| Total domestic deposits to total assets | 85.1960% | 3,104 |
| Equity capital to assets | 14.0370% | 1,352 |
| Core capital (leverage) ratio | 14.3476% | 1,122 |
| Tier 1 risk-based capital ratio | 18.4264% | 1,954 |
| Total risk-based capital ratio | 19.6198% | 1,925 |
| Memoranda: | ||
| Average total assets | $265,814,500 | 2,497 |
| Average earning assets | $254,666,000 | 2,407 |
| Average equity | $36,838,500 | 1,859 |
| Average total loans | $205,411,000 | 2,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3521% | 3,683 |
| Cost of funding earning assets | 1.3841% | 7,757 |
| Net interest margin | 4.9679% | 548 |
| Noninterest income to average assets | 2.3606% | 274 |
| Noninterest expense to average assets | 2.3687% | 6,508 |
| Loan and lease loss provision to assets | 0.2909% | 4,054 |
| Net operating income to assets | 2.6161% | 103 |
| Return on assets (ROA) | 2.6161% | 105 |
| Pretax return on assets | 4.4280% | 54 |
| Return on Equity (ROE) | 20.5716% | 330 |
| Retained earnings to average equity (ytd only) | 20.5716% | 30 |
| Net charge-offs to loans | 0.0310% | 6,391 |
| Credit loss provision to net charge-offs | 1,250.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 202.8000% | 235 |
| Efficiency ratio | 33.4209% | 8,213 |
| Assets per employee ($millions) | 4.2599% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,473 |
| Loan loss allowance to noncurrent loans | 92.6383% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0488% | 4,195 |
| Noncurrent loans to loans | 1.1571% | 4,215 |
| Net loans and leases to total assets | 76.0747% | 2,601 |
| Net loans and leases to deposits | 88.5701% | 3,713 |
| Net loans and leases to core deposits | 94.0290% | 5,445 |
| Total domestic deposits to total assets | 85.8921% | 2,454 |
| Equity capital to assets | 13.6782% | 1,540 |
| Core capital (leverage) ratio | 13.8589% | 1,290 |
| Tier 1 risk-based capital ratio | 17.7366% | 2,106 |
| Total risk-based capital ratio | 18.8137% | 2,101 |
| Memoranda: | ||
| Average total assets | $257,861,200 | 2,482 |
| Average earning assets | $245,353,000 | 2,403 |
| Average equity | $32,792,800 | 2,066 |
| Average total loans | $193,543,800 | 2,359 |