Home > Pinnacle Bank - Wyoming > Performance and Condition Ratios
Pinnacle Bank - Wyoming, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 3,536 |
| Cost of funding earning assets | 1.4345% | 2,133 |
| Net interest margin | 2.8109% | 3,638 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.9169% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8464% | 2,719 |
| Return on assets (ROA) | 0.8430% | 2,707 |
| Pretax return on assets | 1.0636% | 2,508 |
| Return on Equity (ROE) | 11.8100% | 2,004 |
| Retained earnings to average equity (ytd only) | 0.8964% | 3,855 |
| Net charge-offs to loans | 0.0124% | 2,184 |
| Credit loss provision to net charge-offs | 5.0000% | 2,347 |
| Earnings coverage of net charge-offs (x) | 137.0700% | 755 |
| Efficiency ratio | 64.2227% | 2,584 |
| Assets per employee ($millions) | 8.5505% | 1,160 |
| Cash dividends to net income (ytd only)* | 92.4129% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,630 |
| Loan loss allowance to noncurrent loans | 355.9765% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,041 |
| Noncurrent loans to loans | 0.3748% | 1,869 |
| Net loans and leases to total assets | 61.6100% | 2,708 |
| Net loans and leases to deposits | 67.8191% | 3,047 |
| Net loans and leases to core deposits | 77.9069% | 2,845 |
| Total domestic deposits to total assets | 90.8400% | 548 |
| Equity capital to assets | 7.2918% | 3,822 |
| Core capital (leverage) ratio | 9.4439% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7535% | 1,328 |
| Memoranda: | ||
| Average total assets | $1,283,601,000 | 813 |
| Average earning assets | $1,228,823,400 | 776 |
| Average equity | $91,589,800 | 1,013 |
| Average total loans | $804,712,800 | 862 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,545 |
| Cost of funding earning assets | 1.3303% | 2,058 |
| Net interest margin | 2.8259% | 3,681 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.9512% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8398% | 2,899 |
| Return on assets (ROA) | 0.8353% | 2,897 |
| Pretax return on assets | 1.0541% | 2,703 |
| Return on Equity (ROE) | 11.7700% | 2,187 |
| Retained earnings to average equity (ytd only) | 11.7724% | 1,014 |
| Net charge-offs to loans | 0.0151% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 111.5824% | 874 |
| Efficiency ratio | 64.8029% | 2,408 |
| Assets per employee ($millions) | 8.3286% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,588 |
| Loan loss allowance to noncurrent loans | 403.5857% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,161 |
| Noncurrent loans to loans | 0.3391% | 2,016 |
| Net loans and leases to total assets | 61.8100% | 2,675 |
| Net loans and leases to deposits | 67.8745% | 2,988 |
| Net loans and leases to core deposits | 76.3204% | 2,848 |
| Total domestic deposits to total assets | 91.0700% | 653 |
| Equity capital to assets | 7.1063% | 3,564 |
| Core capital (leverage) ratio | 10.0980% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6095% | 1,177 |
| Memoranda: | ||
| Average total assets | $1,277,446,500 | 822 |
| Average earning assets | $1,222,155,500 | 788 |
| Average equity | $90,639,000 | 1,023 |
| Average total loans | $801,668,250 | 864 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,588 |
| Cost of funding earning assets | 1.1957% | 2,008 |
| Net interest margin | 2.8540% | 3,723 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.9591% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8606% | 2,887 |
| Return on assets (ROA) | 0.8537% | 2,914 |
| Pretax return on assets | 1.0772% | 2,699 |
| Return on Equity (ROE) | 12.0400% | 2,148 |
| Retained earnings to average equity (ytd only) | 12.0388% | 982 |
| Net charge-offs to loans | 0.0211% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 82.0952% | 1,036 |
| Efficiency ratio | 64.3396% | 2,445 |
| Assets per employee ($millions) | 7.8447% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,652 |
| Loan loss allowance to noncurrent loans | 490.5411% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,171 |
| Noncurrent loans to loans | 0.2787% | 2,147 |
| Net loans and leases to total assets | 62.9200% | 2,488 |
| Net loans and leases to deposits | 71.6080% | 2,679 |
| Net loans and leases to core deposits | 77.8205% | 2,628 |
| Total domestic deposits to total assets | 87.8700% | 1,657 |
| Equity capital to assets | 7.2725% | 3,653 |
| Core capital (leverage) ratio | 10.0441% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4081% | 1,237 |
| Memoranda: | ||
| Average total assets | $1,270,176,667 | 812 |
| Average earning assets | $1,215,983,667 | 780 |
| Average equity | $90,075,667 | 1,019 |
| Average total loans | $797,486,333 | 850 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 3,580 |
| Cost of funding earning assets | 1.0334% | 1,938 |
| Net interest margin | 2.9088% | 3,780 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9900% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8264% | 3,108 |
| Return on assets (ROA) | 0.8127% | 3,105 |
| Pretax return on assets | 1.0282% | 2,909 |
| Return on Equity (ROE) | 11.6100% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.6095% | 1,339 |
| Net charge-offs to loans | 0.0386% | 976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 43.5395% | 1,152 |
| Efficiency ratio | 65.5564% | 2,260 |
| Assets per employee ($millions) | 7.9222% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,612 |
| Loan loss allowance to noncurrent loans | 418.6867% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 1,970 |
| Noncurrent loans to loans | 0.3349% | 1,953 |
| Net loans and leases to total assets | 61.9000% | 2,473 |
| Net loans and leases to deposits | 67.9032% | 2,774 |
| Net loans and leases to core deposits | 73.0673% | 2,747 |
| Total domestic deposits to total assets | 91.1600% | 751 |
| Equity capital to assets | 7.2889% | 3,679 |
| Core capital (leverage) ratio | 9.8286% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4080% | 1,287 |
| Memoranda: | ||
| Average total assets | $1,265,922,000 | 834 |
| Average earning assets | $1,212,302,000 | 794 |
| Average equity | $88,617,000 | 1,047 |
| Average total loans | $788,374,000 | 869 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 2,905 |
| Cost of funding earning assets | 0.3217% | 2,712 |
| Net interest margin | 3.2423% | 2,728 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.9347% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1913% | 1,808 |
| Return on assets (ROA) | 1.1913% | 1,743 |
| Pretax return on assets | 1.5027% | 1,449 |
| Return on Equity (ROE) | 15.2700% | 1,189 |
| Retained earnings to average equity (ytd only) | 0.4082% | 4,284 |
| Net charge-offs to loans | 0.0180% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 140.8768% | 823 |
| Efficiency ratio | 56.2839% | 3,555 |
| Assets per employee ($millions) | 8.2634% | 1,202 |
| Cash dividends to net income (ytd only)* | 97.3268% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,378 |
| Loan loss allowance to noncurrent loans | 393.3473% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 1,930 |
| Noncurrent loans to loans | 0.3657% | 1,829 |
| Net loans and leases to total assets | 60.8800% | 2,563 |
| Net loans and leases to deposits | 65.7598% | 2,905 |
| Net loans and leases to core deposits | 69.9321% | 2,873 |
| Total domestic deposits to total assets | 92.5800% | 498 |
| Equity capital to assets | 6.7108% | 3,807 |
| Core capital (leverage) ratio | 9.4915% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0564% | 1,358 |
| Memoranda: | ||
| Average total assets | $1,293,710,800 | 795 |
| Average earning assets | $1,243,390,000 | 767 |
| Average equity | $100,920,600 | 939 |
| Average total loans | $767,108,200 | 842 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 2,746 |
| Cost of funding earning assets | 0.2194% | 3,042 |
| Net interest margin | 3.2420% | 2,489 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.9207% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2200% | 1,632 |
| Return on assets (ROA) | 1.2200% | 1,606 |
| Pretax return on assets | 1.5380% | 1,305 |
| Return on Equity (ROE) | 15.1300% | 1,144 |
| Retained earnings to average equity (ytd only) | 15.1258% | 353 |
| Net charge-offs to loans | 0.0218% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 120.0640% | 846 |
| Efficiency ratio | 55.5332% | 3,671 |
| Assets per employee ($millions) | 8.2389% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,457 |
| Loan loss allowance to noncurrent loans | 249.4345% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 1,494 |
| Noncurrent loans to loans | 0.5808% | 1,382 |
| Net loans and leases to total assets | 58.7700% | 2,620 |
| Net loans and leases to deposits | 63.7430% | 2,887 |
| Net loans and leases to core deposits | 67.4056% | 2,848 |
| Total domestic deposits to total assets | 92.2100% | 814 |
| Equity capital to assets | 7.0888% | 3,463 |
| Core capital (leverage) ratio | 10.2556% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2643% | 1,129 |
| Memoranda: | ||
| Average total assets | $1,301,064,500 | 797 |
| Average earning assets | $1,251,887,500 | 762 |
| Average equity | $104,939,750 | 926 |
| Average total loans | $763,652,750 | 840 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3498% | 2,574 |
| Cost of funding earning assets | 0.1790% | 3,196 |
| Net interest margin | 3.1708% | 2,284 |
| Noninterest income to average assets | 0.3372% | 3,136 |
| Noninterest expense to average assets | 1.9049% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1842% | 1,482 |
| Return on assets (ROA) | 1.1842% | 1,459 |
| Pretax return on assets | 1.4904% | 1,195 |
| Return on Equity (ROE) | 14.1114% | 1,087 |
| Retained earnings to average equity (ytd only) | 14.1114% | 350 |
| Net charge-offs to loans | 0.0284% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 89.7593% | 869 |
| Efficiency ratio | 56.1040% | 3,760 |
| Assets per employee ($millions) | 7.9256% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,542 |
| Loan loss allowance to noncurrent loans | 259.8985% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 1,588 |
| Noncurrent loans to loans | 0.5599% | 1,499 |
| Net loans and leases to total assets | 59.4139% | 2,391 |
| Net loans and leases to deposits | 65.4469% | 2,594 |
| Net loans and leases to core deposits | 69.1245% | 2,557 |
| Total domestic deposits to total assets | 90.7819% | 1,350 |
| Equity capital to assets | 7.7701% | 3,292 |
| Core capital (leverage) ratio | 10.0701% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5767% | 1,292 |
| Memoranda: | ||
| Average total assets | $1,300,839,667 | 796 |
| Average earning assets | $1,254,633,333 | 761 |
| Average equity | $109,160,333 | 910 |
| Average total loans | $759,423,000 | 836 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 2,532 |
| Cost of funding earning assets | 0.1667% | 3,270 |
| Net interest margin | 3.0837% | 2,229 |
| Noninterest income to average assets | 0.3544% | 2,970 |
| Noninterest expense to average assets | 1.9073% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1325% | 1,431 |
| Return on assets (ROA) | 1.1325% | 1,425 |
| Pretax return on assets | 1.4252% | 1,189 |
| Return on Equity (ROE) | 13.0232% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.0232% | 466 |
| Net charge-offs to loans | 0.0149% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 166.6071% | 494 |
| Efficiency ratio | 57.2332% | 3,757 |
| Assets per employee ($millions) | 8.0284% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,518 |
| Loan loss allowance to noncurrent loans | 253.8375% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 1,722 |
| Noncurrent loans to loans | 0.5955% | 1,569 |
| Net loans and leases to total assets | 57.1818% | 2,392 |
| Net loans and leases to deposits | 62.6196% | 2,662 |
| Net loans and leases to core deposits | 66.1318% | 2,622 |
| Total domestic deposits to total assets | 91.3161% | 878 |
| Equity capital to assets | 8.1246% | 3,471 |
| Core capital (leverage) ratio | 9.7907% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3508% | 1,415 |
| Memoranda: | ||
| Average total assets | $1,309,283,500 | 794 |
| Average earning assets | $1,264,456,000 | 764 |
| Average equity | $113,858,500 | 897 |
| Average total loans | $752,079,500 | 826 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 2,194 |
| Cost of funding earning assets | 0.2415% | 3,035 |
| Net interest margin | 3.4299% | 1,932 |
| Noninterest income to average assets | 0.5256% | 2,463 |
| Noninterest expense to average assets | 1.9065% | 3,907 |
| Loan and lease loss provision to assets | 0.0002% | 3,061 |
| Net operating income to assets | 1.5329% | 946 |
| Return on assets (ROA) | 1.5329% | 986 |
| Pretax return on assets | 1.9366% | 678 |
| Return on Equity (ROE) | 16.1273% | 734 |
| Retained earnings to average equity (ytd only) | 14.4569% | 271 |
| Net charge-offs to loans | 0.0739% | 1,051 |
| Credit loss provision to net charge-offs | 0.3623% | 2,329 |
| Earnings coverage of net charge-offs (x) | 44.1975% | 1,373 |
| Efficiency ratio | 49.6065% | 4,315 |
| Assets per employee ($millions) | 8.0853% | 1,288 |
| Cash dividends to net income (ytd only)* | 10.3573% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,515 |
| Loan loss allowance to noncurrent loans | 450.0198% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 2,609 |
| Noncurrent loans to loans | 0.3353% | 2,383 |
| Net loans and leases to total assets | 55.9826% | 2,615 |
| Net loans and leases to deposits | 62.1524% | 2,867 |
| Net loans and leases to core deposits | 65.5782% | 2,855 |
| Total domestic deposits to total assets | 90.0731% | 926 |
| Equity capital to assets | 9.2535% | 3,369 |
| Core capital (leverage) ratio | 9.4872% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9204% | 1,539 |
| Memoranda: | ||
| Average total assets | $1,259,705,200 | 790 |
| Average earning assets | $1,218,457,400 | 761 |
| Average equity | $119,735,200 | 865 |
| Average total loans | $746,947,400 | 835 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 2,052 |
| Cost of funding earning assets | 0.2605% | 3,012 |
| Net interest margin | 3.5219% | 1,810 |
| Noninterest income to average assets | 0.5661% | 2,352 |
| Noninterest expense to average assets | 1.9196% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6241% | 972 |
| Return on assets (ROA) | 1.6241% | 1,018 |
| Pretax return on assets | 2.0518% | 734 |
| Return on Equity (ROE) | 16.9674% | 767 |
| Retained earnings to average equity (ytd only) | 16.9674% | 241 |
| Net charge-offs to loans | 0.0267% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 128.3893% | 745 |
| Efficiency ratio | 48.3364% | 4,340 |
| Assets per employee ($millions) | 7.9432% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 1,438 |
| Loan loss allowance to noncurrent loans | 279.2032% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 2,158 |
| Noncurrent loans to loans | 0.5585% | 1,921 |
| Net loans and leases to total assets | 57.0597% | 2,606 |
| Net loans and leases to deposits | 63.5407% | 2,900 |
| Net loans and leases to core deposits | 67.2232% | 2,837 |
| Total domestic deposits to total assets | 89.8003% | 863 |
| Equity capital to assets | 9.5666% | 3,318 |
| Core capital (leverage) ratio | 9.7064% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7119% | 1,720 |
| Memoranda: | ||
| Average total assets | $1,243,132,500 | 809 |
| Average earning assets | $1,201,958,500 | 776 |
| Average equity | $118,993,750 | 881 |
| Average total loans | $745,259,500 | 855 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 1,684 |
| Cost of funding earning assets | 0.2805% | 2,970 |
| Net interest margin | 3.6676% | 1,432 |
| Noninterest income to average assets | 0.6782% | 1,897 |
| Noninterest expense to average assets | 2.0381% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7314% | 826 |
| Return on assets (ROA) | 1.7314% | 874 |
| Pretax return on assets | 2.1863% | 592 |
| Return on Equity (ROE) | 18.0844% | 640 |
| Retained earnings to average equity (ytd only) | 18.0844% | 221 |
| Net charge-offs to loans | 0.0332% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 108.7154% | 714 |
| Efficiency ratio | 48.2468% | 4,371 |
| Assets per employee ($millions) | 7.7322% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,367 |
| Loan loss allowance to noncurrent loans | 332.2726% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 2,511 |
| Noncurrent loans to loans | 0.4714% | 2,262 |
| Net loans and leases to total assets | 58.8323% | 2,566 |
| Net loans and leases to deposits | 65.5390% | 2,862 |
| Net loans and leases to core deposits | 69.7893% | 2,808 |
| Total domestic deposits to total assets | 89.7669% | 886 |
| Equity capital to assets | 9.6013% | 3,252 |
| Core capital (leverage) ratio | 9.5305% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3428% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,223,280,333 | 818 |
| Average earning assets | $1,182,792,667 | 785 |
| Average equity | $117,117,333 | 887 |
| Average total loans | $741,984,333 | 858 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 1,175 |
| Cost of funding earning assets | 0.3030% | 2,959 |
| Net interest margin | 3.9105% | 964 |
| Noninterest income to average assets | 0.7122% | 1,840 |
| Noninterest expense to average assets | 2.0180% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9579% | 605 |
| Return on assets (ROA) | 1.9579% | 653 |
| Pretax return on assets | 2.4736% | 456 |
| Return on Equity (ROE) | 20.4809% | 503 |
| Retained earnings to average equity (ytd only) | 20.4809% | 255 |
| Net charge-offs to loans | 0.0141% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 286.5385% | 309 |
| Efficiency ratio | 44.9290% | 4,525 |
| Assets per employee ($millions) | 7.5906% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 1,283 |
| Loan loss allowance to noncurrent loans | 321.1663% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 2,648 |
| Noncurrent loans to loans | 0.4996% | 2,358 |
| Net loans and leases to total assets | 58.9561% | 2,677 |
| Net loans and leases to deposits | 65.5033% | 2,974 |
| Net loans and leases to core deposits | 70.2785% | 2,843 |
| Total domestic deposits to total assets | 90.0049% | 815 |
| Equity capital to assets | 9.3789% | 3,304 |
| Core capital (leverage) ratio | 9.5541% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6310% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,204,742,500 | 819 |
| Average earning assets | $1,164,348,000 | 786 |
| Average equity | $115,171,000 | 895 |
| Average total loans | $736,328,500 | 862 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 2,008 |
| Cost of funding earning assets | 0.5454% | 2,636 |
| Net interest margin | 3.7002% | 1,798 |
| Noninterest income to average assets | 0.7567% | 1,667 |
| Noninterest expense to average assets | 2.1756% | 3,736 |
| Loan and lease loss provision to assets | 0.1873% | 2,081 |
| Net operating income to assets | 1.5473% | 717 |
| Return on assets (ROA) | 1.5473% | 782 |
| Pretax return on assets | 1.9560% | 500 |
| Return on Equity (ROE) | 15.5996% | 551 |
| Retained earnings to average equity (ytd only) | 11.4029% | 386 |
| Net charge-offs to loans | 0.0121% | 2,896 |
| Credit loss provision to net charge-offs | 2,275.2809% | 401 |
| Earnings coverage of net charge-offs (x) | 260.3371% | 386 |
| Efficiency ratio | 50.3737% | 4,506 |
| Assets per employee ($millions) | 7.3263% | 1,383 |
| Cash dividends to net income (ytd only)* | 26.9026% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,218 |
| Loan loss allowance to noncurrent loans | 374.6700% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 2,941 |
| Noncurrent loans to loans | 0.4351% | 2,666 |
| Net loans and leases to total assets | 61.3704% | 2,679 |
| Net loans and leases to deposits | 68.7460% | 3,007 |
| Net loans and leases to core deposits | 74.2634% | 2,892 |
| Total domestic deposits to total assets | 89.2712% | 866 |
| Equity capital to assets | 9.7507% | 3,367 |
| Core capital (leverage) ratio | 9.2809% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0402% | 2,220 |
| Memoranda: | ||
| Average total assets | $1,081,020,000 | 817 |
| Average earning assets | $1,040,737,200 | 793 |
| Average equity | $107,227,000 | 911 |
| Average total loans | $735,164,200 | 845 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 1,935 |
| Cost of funding earning assets | 0.6086% | 2,561 |
| Net interest margin | 3.7596% | 1,735 |
| Noninterest income to average assets | 0.7100% | 1,766 |
| Noninterest expense to average assets | 2.1669% | 3,758 |
| Loan and lease loss provision to assets | 0.2173% | 1,845 |
| Net operating income to assets | 1.5371% | 838 |
| Return on assets (ROA) | 1.5371% | 917 |
| Pretax return on assets | 1.9430% | 579 |
| Return on Equity (ROE) | 15.4243% | 623 |
| Retained earnings to average equity (ytd only) | 13.5278% | 281 |
| Net charge-offs to loans | 0.0127% | 2,651 |
| Credit loss provision to net charge-offs | 2,464.2857% | 410 |
| Earnings coverage of net charge-offs (x) | 244.9429% | 417 |
| Efficiency ratio | 50.0757% | 4,485 |
| Assets per employee ($millions) | 7.4353% | 1,254 |
| Cash dividends to net income (ytd only)* | 12.2951% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,315 |
| Loan loss allowance to noncurrent loans | 364.3505% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 2,844 |
| Noncurrent loans to loans | 0.4188% | 2,803 |
| Net loans and leases to total assets | 65.1885% | 2,619 |
| Net loans and leases to deposits | 72.9998% | 3,034 |
| Net loans and leases to core deposits | 78.8257% | 2,932 |
| Total domestic deposits to total assets | 89.2995% | 653 |
| Equity capital to assets | 9.8086% | 3,418 |
| Core capital (leverage) ratio | 9.5831% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9731% | 2,214 |
| Memoranda: | ||
| Average total assets | $1,058,222,250 | 818 |
| Average earning assets | $1,018,119,250 | 794 |
| Average equity | $105,459,000 | 920 |
| Average total loans | $736,127,250 | 838 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 1,852 |
| Cost of funding earning assets | 0.6952% | 2,415 |
| Net interest margin | 3.8282% | 1,745 |
| Noninterest income to average assets | 0.5964% | 2,143 |
| Noninterest expense to average assets | 2.1724% | 3,871 |
| Loan and lease loss provision to assets | 0.1607% | 2,391 |
| Net operating income to assets | 1.5360% | 869 |
| Return on assets (ROA) | 1.5360% | 943 |
| Pretax return on assets | 1.9447% | 616 |
| Return on Equity (ROE) | 15.3228% | 664 |
| Retained earnings to average equity (ytd only) | 12.4082% | 409 |
| Net charge-offs to loans | -0.0055% | 4,041 |
| Credit loss provision to net charge-offs | -4,125.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7832% | 4,461 |
| Assets per employee ($millions) | 7.1361% | 1,373 |
| Cash dividends to net income (ytd only)* | 19.0210% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,514 |
| Loan loss allowance to noncurrent loans | 486.3493% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,336 |
| Noncurrent loans to loans | 0.2921% | 3,336 |
| Net loans and leases to total assets | 68.3833% | 2,288 |
| Net loans and leases to deposits | 76.5820% | 2,797 |
| Net loans and leases to core deposits | 83.5865% | 2,644 |
| Total domestic deposits to total assets | 89.2943% | 645 |
| Equity capital to assets | 9.8975% | 3,290 |
| Core capital (leverage) ratio | 9.5656% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7531% | 2,291 |
| Memoranda: | ||
| Average total assets | $1,026,806,000 | 828 |
| Average earning assets | $987,402,000 | 796 |
| Average equity | $102,931,667 | 928 |
| Average total loans | $727,196,667 | 834 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,791 |
| Cost of funding earning assets | 0.8419% | 2,153 |
| Net interest margin | 3.8340% | 1,866 |
| Noninterest income to average assets | 0.5665% | 2,199 |
| Noninterest expense to average assets | 2.2581% | 3,866 |
| Loan and lease loss provision to assets | 0.0606% | 3,015 |
| Net operating income to assets | 1.5205% | 745 |
| Return on assets (ROA) | 1.5205% | 812 |
| Pretax return on assets | 1.9323% | 528 |
| Return on Equity (ROE) | 15.0621% | 541 |
| Retained earnings to average equity (ytd only) | 15.0621% | 189 |
| Net charge-offs to loans | -0.0180% | 4,302 |
| Credit loss provision to net charge-offs | -468.7500% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1200% | 4,458 |
| Assets per employee ($millions) | 6.3881% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,582 |
| Loan loss allowance to noncurrent loans | 330.9896% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 3,036 |
| Noncurrent loans to loans | 0.4325% | 2,955 |
| Net loans and leases to total assets | 69.3704% | 2,344 |
| Net loans and leases to deposits | 78.0129% | 2,889 |
| Net loans and leases to core deposits | 85.8782% | 2,692 |
| Total domestic deposits to total assets | 88.9218% | 697 |
| Equity capital to assets | 10.2016% | 3,605 |
| Core capital (leverage) ratio | 9.9400% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8996% | 2,330 |
| Memoranda: | ||
| Average total assets | $990,726,500 | 827 |
| Average earning assets | $952,125,000 | 788 |
| Average equity | $100,012,500 | 943 |
| Average total loans | $709,625,000 | 826 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 1,627 |
| Cost of funding earning assets | 0.9699% | 1,863 |
| Net interest margin | 3.9739% | 1,930 |
| Noninterest income to average assets | 0.6322% | 2,081 |
| Noninterest expense to average assets | 2.3723% | 3,762 |
| Loan and lease loss provision to assets | 0.0248% | 3,523 |
| Net operating income to assets | 1.5978% | 841 |
| Return on assets (ROA) | 1.5978% | 894 |
| Pretax return on assets | 2.0277% | 567 |
| Return on Equity (ROE) | 16.5017% | 476 |
| Retained earnings to average equity (ytd only) | 15.3812% | 85 |
| Net charge-offs to loans | 0.0268% | 2,861 |
| Credit loss provision to net charge-offs | 121.1640% | 2,096 |
| Earnings coverage of net charge-offs (x) | 100.1005% | 677 |
| Efficiency ratio | 53.6128% | 4,458 |
| Assets per employee ($millions) | 6.0759% | 1,580 |
| Cash dividends to net income (ytd only)* | 6.7902% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,496 |
| Loan loss allowance to noncurrent loans | 510.7928% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,443 |
| Noncurrent loans to loans | 0.2758% | 3,453 |
| Net loans and leases to total assets | 71.8962% | 2,108 |
| Net loans and leases to deposits | 80.7677% | 2,689 |
| Net loans and leases to core deposits | 89.1228% | 2,505 |
| Total domestic deposits to total assets | 89.0160% | 666 |
| Equity capital to assets | 9.9840% | 3,936 |
| Core capital (leverage) ratio | 9.8281% | 3,699 |
| Tier 1 risk-based capital ratio | 12.5643% | 4,027 |
| Total risk-based capital ratio | 13.8151% | 3,915 |
| Memoranda: | ||
| Average total assets | $921,723,800 | 853 |
| Average earning assets | $879,700,400 | 823 |
| Average equity | $89,245,600 | 986 |
| Average total loans | $705,174,800 | 804 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,653 |
| Cost of funding earning assets | 0.9731% | 1,877 |
| Net interest margin | 3.9867% | 1,992 |
| Noninterest income to average assets | 0.6196% | 2,107 |
| Noninterest expense to average assets | 2.3828% | 3,736 |
| Loan and lease loss provision to assets | 0.0336% | 3,239 |
| Net operating income to assets | 1.5757% | 984 |
| Return on assets (ROA) | 1.5757% | 1,040 |
| Pretax return on assets | 2.0012% | 683 |
| Return on Equity (ROE) | 16.4104% | 551 |
| Retained earnings to average equity (ytd only) | 14.8830% | 153 |
| Net charge-offs to loans | 0.0282% | 2,532 |
| Credit loss provision to net charge-offs | 153.6913% | 1,599 |
| Earnings coverage of net charge-offs (x) | 93.1149% | 786 |
| Efficiency ratio | 53.9391% | 4,403 |
| Assets per employee ($millions) | 6.0875% | 1,541 |
| Cash dividends to net income (ytd only)* | 9.3075% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 1,609 |
| Loan loss allowance to noncurrent loans | 431.5971% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,272 |
| Noncurrent loans to loans | 0.3226% | 3,375 |
| Net loans and leases to total assets | 74.2964% | 1,759 |
| Net loans and leases to deposits | 83.2429% | 2,537 |
| Net loans and leases to core deposits | 91.4806% | 2,420 |
| Total domestic deposits to total assets | 89.2525% | 537 |
| Equity capital to assets | 9.8192% | 4,192 |
| Core capital (leverage) ratio | 9.7023% | 3,969 |
| Tier 1 risk-based capital ratio | 11.9932% | 4,419 |
| Total risk-based capital ratio | 13.2440% | 4,310 |
| Memoranda: | ||
| Average total assets | $909,119,500 | 868 |
| Average earning assets | $866,064,750 | 838 |
| Average equity | $87,292,250 | 1,008 |
| Average total loans | $704,239,000 | 806 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,705 |
| Cost of funding earning assets | 0.9467% | 1,935 |
| Net interest margin | 3.9699% | 2,015 |
| Noninterest income to average assets | 0.5719% | 2,279 |
| Noninterest expense to average assets | 2.3803% | 3,789 |
| Loan and lease loss provision to assets | 0.0504% | 2,809 |
| Net operating income to assets | 1.5161% | 1,105 |
| Return on assets (ROA) | 1.5161% | 1,153 |
| Pretax return on assets | 1.9246% | 792 |
| Return on Equity (ROE) | 15.9186% | 597 |
| Retained earnings to average equity (ytd only) | 13.5686% | 254 |
| Net charge-offs to loans | 0.0223% | 2,401 |
| Credit loss provision to net charge-offs | 288.4615% | 932 |
| Earnings coverage of net charge-offs (x) | 113.1282% | 633 |
| Efficiency ratio | 54.6534% | 4,394 |
| Assets per employee ($millions) | 5.7019% | 1,788 |
| Cash dividends to net income (ytd only)* | 14.7623% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,525 |
| Loan loss allowance to noncurrent loans | 430.0383% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 2,231 |
| Noncurrent loans to loans | 0.3305% | 3,351 |
| Net loans and leases to total assets | 75.3271% | 1,664 |
| Net loans and leases to deposits | 84.3359% | 2,454 |
| Net loans and leases to core deposits | 93.1359% | 2,316 |
| Total domestic deposits to total assets | 89.3179% | 532 |
| Equity capital to assets | 9.6170% | 4,298 |
| Core capital (leverage) ratio | 9.7003% | 3,930 |
| Tier 1 risk-based capital ratio | 11.7209% | 4,559 |
| Total risk-based capital ratio | 12.9722% | 4,464 |
| Memoranda: | ||
| Average total assets | $893,582,000 | 881 |
| Average earning assets | $851,611,330 | 846 |
| Average equity | $85,108,000 | 1,022 |
| Average total loans | $698,952,000 | 818 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 1,684 |
| Cost of funding earning assets | 0.9018% | 1,989 |
| Net interest margin | 3.9703% | 1,946 |
| Noninterest income to average assets | 0.4860% | 2,635 |
| Noninterest expense to average assets | 2.3950% | 3,781 |
| Loan and lease loss provision to assets | 0.1028% | 1,716 |
| Net operating income to assets | 1.3914% | 1,400 |
| Return on assets (ROA) | 1.3914% | 1,436 |
| Pretax return on assets | 1.7710% | 1,046 |
| Return on Equity (ROE) | 14.6846% | 818 |
| Retained earnings to average equity (ytd only) | 14.6846% | 301 |
| Net charge-offs to loans | -0.0219% | 4,522 |
| Credit loss provision to net charge-offs | -592.1053% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1049% | 4,320 |
| Assets per employee ($millions) | 5.4729% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,428 |
| Loan loss allowance to noncurrent loans | 130.7968% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9782% | 1,429 |
| Noncurrent loans to loans | 1.1252% | 1,482 |
| Net loans and leases to total assets | 77.0971% | 1,303 |
| Net loans and leases to deposits | 86.3889% | 2,087 |
| Net loans and leases to core deposits | 95.4002% | 1,988 |
| Total domestic deposits to total assets | 89.2442% | 745 |
| Equity capital to assets | 9.6014% | 4,162 |
| Core capital (leverage) ratio | 9.7329% | 3,885 |
| Tier 1 risk-based capital ratio | 11.7907% | 4,572 |
| Total risk-based capital ratio | 13.0427% | 4,474 |
| Memoranda: | ||
| Average total assets | $875,669,500 | 897 |
| Average earning assets | $834,304,000 | 865 |
| Average equity | $82,971,500 | 1,040 |
| Average total loans | $693,334,000 | 825 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 1,729 |
| Cost of funding earning assets | 0.6411% | 2,456 |
| Net interest margin | 4.0894% | 1,714 |
| Noninterest income to average assets | 0.6930% | 1,875 |
| Noninterest expense to average assets | 2.5130% | 3,575 |
| Loan and lease loss provision to assets | 0.4023% | 334 |
| Net operating income to assets | 1.5276% | 1,049 |
| Return on assets (ROA) | 1.5315% | 1,026 |
| Pretax return on assets | 1.6748% | 1,234 |
| Return on Equity (ROE) | 16.3873% | 556 |
| Retained earnings to average equity (ytd only) | 8.0396% | 1,217 |
| Net charge-offs to loans | 0.4990% | 357 |
| Credit loss provision to net charge-offs | 99.8213% | 2,567 |
| Earnings coverage of net charge-offs (x) | 5.1432% | 3,217 |
| Efficiency ratio | 54.7986% | 4,545 |
| Assets per employee ($millions) | 5.2092% | 2,256 |
| Cash dividends to net income (ytd only)* | 50.9404% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,503 |
| Loan loss allowance to noncurrent loans | 169.0059% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 1,744 |
| Noncurrent loans to loans | 0.8493% | 1,899 |
| Net loans and leases to total assets | 78.9798% | 1,100 |
| Net loans and leases to deposits | 91.0465% | 1,661 |
| Net loans and leases to core deposits | 101.3635% | 1,621 |
| Total domestic deposits to total assets | 86.7467% | 1,895 |
| Equity capital to assets | 9.3458% | 4,273 |
| Core capital (leverage) ratio | 9.5398% | 4,075 |
| Tier 1 risk-based capital ratio | 11.4902% | 4,730 |
| Total risk-based capital ratio | 12.7419% | 4,630 |
| Memoranda: | ||
| Average total assets | $833,191,400 | 917 |
| Average earning assets | $793,145,200 | 890 |
| Average equity | $77,865,000 | 1,057 |
| Average total loans | $673,002,200 | 817 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,733 |
| Cost of funding earning assets | 0.5956% | 2,503 |
| Net interest margin | 4.0855% | 1,670 |
| Noninterest income to average assets | 0.7344% | 1,735 |
| Noninterest expense to average assets | 2.5263% | 3,514 |
| Loan and lease loss provision to assets | 0.3719% | 354 |
| Net operating income to assets | 1.6474% | 849 |
| Return on assets (ROA) | 1.6528% | 845 |
| Pretax return on assets | 1.7307% | 1,204 |
| Return on Equity (ROE) | 17.6863% | 462 |
| Retained earnings to average equity (ytd only) | 8.1785% | 1,567 |
| Net charge-offs to loans | 0.6497% | 220 |
| Credit loss provision to net charge-offs | 70.7220% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.9877% | 3,112 |
| Efficiency ratio | 54.6439% | 4,547 |
| Assets per employee ($millions) | 5.0897% | 2,353 |
| Cash dividends to net income (ytd only)* | 53.7582% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,026 |
| Loan loss allowance to noncurrent loans | 142.9093% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 1,671 |
| Noncurrent loans to loans | 0.9206% | 1,859 |
| Net loans and leases to total assets | 79.8934% | 1,036 |
| Net loans and leases to deposits | 91.7548% | 1,652 |
| Net loans and leases to core deposits | 102.1177% | 1,603 |
| Total domestic deposits to total assets | 87.0727% | 1,694 |
| Equity capital to assets | 9.2787% | 4,302 |
| Core capital (leverage) ratio | 9.5224% | 4,147 |
| Tier 1 risk-based capital ratio | 11.3485% | 4,873 |
| Total risk-based capital ratio | 12.5988% | 4,761 |
| Memoranda: | ||
| Average total assets | $825,308,750 | 927 |
| Average earning assets | $785,583,500 | 891 |
| Average equity | $77,127,500 | 1,060 |
| Average total loans | $668,027,250 | 824 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,776 |
| Cost of funding earning assets | 0.5491% | 2,618 |
| Net interest margin | 4.0536% | 1,687 |
| Noninterest income to average assets | 0.7252% | 1,767 |
| Noninterest expense to average assets | 2.4964% | 3,642 |
| Loan and lease loss provision to assets | 0.2814% | 508 |
| Net operating income to assets | 1.8623% | 511 |
| Return on assets (ROA) | 1.8713% | 501 |
| Pretax return on assets | 1.8190% | 919 |
| Return on Equity (ROE) | 19.9751% | 269 |
| Retained earnings to average equity (ytd only) | 9.5456% | 1,053 |
| Net charge-offs to loans | 0.6760% | 216 |
| Credit loss provision to net charge-offs | 51.4286% | 2,484 |
| Earnings coverage of net charge-offs (x) | 3.8223% | 2,849 |
| Efficiency ratio | 54.4138% | 4,648 |
| Assets per employee ($millions) | 5.0709% | 2,326 |
| Cash dividends to net income (ytd only)* | 52.2125% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,166 |
| Loan loss allowance to noncurrent loans | 109.0015% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 1,502 |
| Noncurrent loans to loans | 1.1931% | 1,457 |
| Net loans and leases to total assets | 80.4047% | 956 |
| Net loans and leases to deposits | 95.5019% | 1,195 |
| Net loans and leases to core deposits | 106.0141% | 1,245 |
| Total domestic deposits to total assets | 84.1918% | 2,997 |
| Equity capital to assets | 9.2720% | 4,315 |
| Core capital (leverage) ratio | 9.5555% | 4,057 |
| Tier 1 risk-based capital ratio | 11.2113% | 4,946 |
| Total risk-based capital ratio | 12.4629% | 4,843 |
| Memoranda: | ||
| Average total assets | $818,783,330 | 936 |
| Average earning assets | $780,193,000 | 901 |
| Average equity | $76,705,330 | 1,064 |
| Average total loans | $662,701,000 | 833 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 1,744 |
| Cost of funding earning assets | 0.4930% | 2,848 |
| Net interest margin | 4.0477% | 1,569 |
| Noninterest income to average assets | 0.7009% | 1,827 |
| Noninterest expense to average assets | 2.4820% | 3,703 |
| Loan and lease loss provision to assets | 0.0751% | 2,264 |
| Net operating income to assets | 2.0019% | 375 |
| Return on assets (ROA) | 2.0019% | 373 |
| Pretax return on assets | 2.0044% | 567 |
| Return on Equity (ROE) | 21.2563% | 184 |
| Retained earnings to average equity (ytd only) | 21.2563% | 82 |
| Net charge-offs to loans | 0.1047% | 1,154 |
| Credit loss provision to net charge-offs | 88.8889% | 1,676 |
| Earnings coverage of net charge-offs (x) | 24.6199% | 1,356 |
| Efficiency ratio | 54.4126% | 4,758 |
| Assets per employee ($millions) | 4.9853% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,420 |
| Loan loss allowance to noncurrent loans | 186.1856% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 2,165 |
| Noncurrent loans to loans | 0.8122% | 2,189 |
| Net loans and leases to total assets | 79.6133% | 993 |
| Net loans and leases to deposits | 90.7155% | 1,602 |
| Net loans and leases to core deposits | 100.5427% | 1,645 |
| Total domestic deposits to total assets | 87.7615% | 1,751 |
| Equity capital to assets | 9.5785% | 4,013 |
| Core capital (leverage) ratio | 9.7971% | 3,762 |
| Tier 1 risk-based capital ratio | 11.6708% | 4,755 |
| Total risk-based capital ratio | 12.9254% | 4,645 |
| Memoranda: | ||
| Average total assets | $809,829,000 | 953 |
| Average earning assets | $772,395,000 | 916 |
| Average equity | $76,269,000 | 1,076 |
| Average total loans | $653,249,500 | 844 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 1,643 |
| Cost of funding earning assets | 0.3885% | 3,347 |
| Net interest margin | 4.1343% | 1,339 |
| Noninterest income to average assets | 0.7543% | 1,758 |
| Noninterest expense to average assets | 2.6022% | 3,438 |
| Loan and lease loss provision to assets | 0.0079% | 4,109 |
| Net operating income to assets | 2.0716% | 245 |
| Return on assets (ROA) | 2.0716% | 251 |
| Pretax return on assets | 2.0743% | 412 |
| Return on Equity (ROE) | 22.4496% | 114 |
| Retained earnings to average equity (ytd only) | 9.7582% | 389 |
| Net charge-offs to loans | 0.0260% | 3,285 |
| Credit loss provision to net charge-offs | 37.8882% | 3,461 |
| Earnings coverage of net charge-offs (x) | 99.3913% | 649 |
| Efficiency ratio | 55.5500% | 4,807 |
| Assets per employee ($millions) | 4.9211% | 2,572 |
| Cash dividends to net income (ytd only)* | 56.5327% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,308 |
| Loan loss allowance to noncurrent loans | 171.9717% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 2,096 |
| Noncurrent loans to loans | 0.8908% | 1,997 |
| Net loans and leases to total assets | 79.2603% | 1,072 |
| Net loans and leases to deposits | 89.9953% | 1,776 |
| Net loans and leases to core deposits | 99.8636% | 1,725 |
| Total domestic deposits to total assets | 88.0715% | 1,464 |
| Equity capital to assets | 9.2562% | 4,468 |
| Core capital (leverage) ratio | 9.3399% | 4,241 |
| Tier 1 risk-based capital ratio | 11.1274% | 5,074 |
| Total risk-based capital ratio | 12.3820% | 4,955 |
| Memoranda: | ||
| Average total assets | $768,490,000 | 967 |
| Average earning assets | $730,552,600 | 939 |
| Average equity | $70,914,400 | 1,123 |
| Average total loans | $620,124,800 | 845 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,574 |
| Cost of funding earning assets | 0.3694% | 3,468 |
| Net interest margin | 4.1565% | 1,263 |
| Noninterest income to average assets | 0.7393% | 1,834 |
| Noninterest expense to average assets | 2.6037% | 3,401 |
| Loan and lease loss provision to assets | 0.0002% | 4,084 |
| Net operating income to assets | 2.0813% | 271 |
| Return on assets (ROA) | 2.0813% | 277 |
| Pretax return on assets | 2.0838% | 463 |
| Return on Equity (ROE) | 22.5738% | 119 |
| Retained earnings to average equity (ytd only) | 8.2818% | 1,100 |
| Net charge-offs to loans | 0.0305% | 2,821 |
| Credit loss provision to net charge-offs | 0.7143% | 3,269 |
| Earnings coverage of net charge-offs (x) | 84.7223% | 780 |
| Efficiency ratio | 55.5435% | 4,787 |
| Assets per employee ($millions) | 4.7779% | 2,726 |
| Cash dividends to net income (ytd only)* | 63.3125% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,359 |
| Loan loss allowance to noncurrent loans | 649.6068% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,322 |
| Noncurrent loans to loans | 0.2390% | 4,098 |
| Net loans and leases to total assets | 80.2223% | 954 |
| Net loans and leases to deposits | 90.9993% | 1,688 |
| Net loans and leases to core deposits | 100.8552% | 1,636 |
| Total domestic deposits to total assets | 88.1571% | 1,275 |
| Equity capital to assets | 9.3226% | 4,631 |
| Core capital (leverage) ratio | 9.3110% | 4,395 |
| Tier 1 risk-based capital ratio | 10.8364% | 5,324 |
| Total risk-based capital ratio | 12.0912% | 5,232 |
| Memoranda: | ||
| Average total assets | $758,847,750 | 980 |
| Average earning assets | $720,852,500 | 957 |
| Average equity | $69,967,250 | 1,146 |
| Average total loans | $612,748,750 | 858 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,637 |
| Cost of funding earning assets | 0.3454% | 3,627 |
| Net interest margin | 4.1119% | 1,299 |
| Noninterest income to average assets | 0.7042% | 1,968 |
| Noninterest expense to average assets | 2.5811% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0256% | 291 |
| Return on assets (ROA) | 2.0256% | 302 |
| Pretax return on assets | 2.0282% | 505 |
| Return on Equity (ROE) | 22.0541% | 136 |
| Retained earnings to average equity (ytd only) | 3.1970% | 3,813 |
| Net charge-offs to loans | 0.0060% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 422.8889% | 199 |
| Efficiency ratio | 55.9975% | 4,830 |
| Assets per employee ($millions) | 4.6836% | 2,820 |
| Cash dividends to net income (ytd only)* | 85.5038% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,304 |
| Loan loss allowance to noncurrent loans | 1,168.1024% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,758 |
| Noncurrent loans to loans | 0.1356% | 4,572 |
| Net loans and leases to total assets | 80.1764% | 924 |
| Net loans and leases to deposits | 95.3610% | 1,133 |
| Net loans and leases to core deposits | 103.4669% | 1,395 |
| Total domestic deposits to total assets | 84.0767% | 3,164 |
| Equity capital to assets | 8.9853% | 4,922 |
| Core capital (leverage) ratio | 9.2352% | 4,452 |
| Tier 1 risk-based capital ratio | 10.4529% | 5,478 |
| Total risk-based capital ratio | 11.7077% | 5,405 |
| Memoranda: | ||
| Average total assets | $750,603,330 | 993 |
| Average earning assets | $712,860,330 | 971 |
| Average equity | $68,939,670 | 1,161 |
| Average total loans | $604,158,330 | 875 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,615 |
| Cost of funding earning assets | 0.3346% | 3,709 |
| Net interest margin | 4.0765% | 1,280 |
| Noninterest income to average assets | 0.6208% | 2,315 |
| Noninterest expense to average assets | 2.6013% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8872% | 376 |
| Return on assets (ROA) | 1.8872% | 390 |
| Pretax return on assets | 1.8872% | 658 |
| Return on Equity (ROE) | 20.3154% | 215 |
| Retained earnings to average equity (ytd only) | 5.7126% | 2,487 |
| Net charge-offs to loans | -0.0027% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9545% | 4,720 |
| Assets per employee ($millions) | 4.5643% | 3,069 |
| Cash dividends to net income (ytd only)* | 71.8804% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 1,153 |
| Loan loss allowance to noncurrent loans | 1,701.5228% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 4,877 |
| Noncurrent loans to loans | 0.0996% | 4,792 |
| Net loans and leases to total assets | 78.9038% | 996 |
| Net loans and leases to deposits | 90.8892% | 1,438 |
| Net loans and leases to core deposits | 97.9094% | 1,666 |
| Total domestic deposits to total assets | 86.8132% | 2,302 |
| Equity capital to assets | 9.3540% | 4,439 |
| Core capital (leverage) ratio | 9.4596% | 4,163 |
| Tier 1 risk-based capital ratio | 10.9080% | 5,357 |
| Total risk-based capital ratio | 12.1635% | 5,278 |
| Memoranda: | ||
| Average total assets | $737,165,500 | 1,006 |
| Average earning assets | $699,415,500 | 987 |
| Average equity | $68,480,000 | 1,161 |
| Average total loans | $589,543,000 | 891 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 1,484 |
| Cost of funding earning assets | 0.3101% | 3,957 |
| Net interest margin | 4.2094% | 1,092 |
| Noninterest income to average assets | 0.8075% | 1,725 |
| Noninterest expense to average assets | 2.6620% | 3,481 |
| Loan and lease loss provision to assets | 0.0001% | 4,331 |
| Net operating income to assets | 2.1357% | 251 |
| Return on assets (ROA) | 2.1357% | 257 |
| Pretax return on assets | 2.1379% | 368 |
| Return on Equity (ROE) | 22.8632% | 120 |
| Retained earnings to average equity (ytd only) | 2.7621% | 3,935 |
| Net charge-offs to loans | 0.1089% | 2,181 |
| Credit loss provision to net charge-offs | 0.1623% | 3,784 |
| Earnings coverage of net charge-offs (x) | 24.9545% | 1,608 |
| Efficiency ratio | 55.4577% | 5,113 |
| Assets per employee ($millions) | 4.5365% | 3,063 |
| Cash dividends to net income (ytd only)* | 87.9192% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 1,109 |
| Loan loss allowance to noncurrent loans | 974.0310% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 4,666 |
| Noncurrent loans to loans | 0.1762% | 4,532 |
| Net loans and leases to total assets | 78.3152% | 1,156 |
| Net loans and leases to deposits | 88.5882% | 1,857 |
| Net loans and leases to core deposits | 95.1945% | 1,989 |
| Total domestic deposits to total assets | 88.4037% | 1,432 |
| Equity capital to assets | 9.2248% | 4,555 |
| Core capital (leverage) ratio | 9.2900% | 4,361 |
| Tier 1 risk-based capital ratio | 11.3460% | 5,142 |
| Total risk-based capital ratio | 12.6026% | 5,042 |
| Memoranda: | ||
| Average total assets | $718,970,600 | 998 |
| Average earning assets | $681,930,400 | 974 |
| Average equity | $67,160,200 | 1,163 |
| Average total loans | $565,701,400 | 876 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 1,398 |
| Cost of funding earning assets | 0.3006% | 4,093 |
| Net interest margin | 4.2533% | 1,022 |
| Noninterest income to average assets | 0.7860% | 1,820 |
| Noninterest expense to average assets | 2.6487% | 3,503 |
| Loan and lease loss provision to assets | 0.0002% | 4,185 |
| Net operating income to assets | 2.1689% | 262 |
| Return on assets (ROA) | 2.1689% | 272 |
| Pretax return on assets | 2.1714% | 409 |
| Return on Equity (ROE) | 23.1451% | 123 |
| Retained earnings to average equity (ytd only) | -0.7343% | 5,466 |
| Net charge-offs to loans | 0.1393% | 1,597 |
| Credit loss provision to net charge-offs | 0.1706% | 3,411 |
| Earnings coverage of net charge-offs (x) | 19.8721% | 1,909 |
| Efficiency ratio | 54.9499% | 5,161 |
| Assets per employee ($millions) | 4.4621% | 3,146 |
| Cash dividends to net income (ytd only)* | 103.1726% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 1,104 |
| Loan loss allowance to noncurrent loans | 881.2937% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,758 |
| Noncurrent loans to loans | 0.1984% | 4,556 |
| Net loans and leases to total assets | 78.3641% | 1,135 |
| Net loans and leases to deposits | 88.8888% | 1,908 |
| Net loans and leases to core deposits | 95.5689% | 2,045 |
| Total domestic deposits to total assets | 88.1597% | 1,316 |
| Equity capital to assets | 9.3931% | 4,769 |
| Core capital (leverage) ratio | 9.1940% | 4,601 |
| Tier 1 risk-based capital ratio | 11.1133% | 5,306 |
| Total risk-based capital ratio | 12.3700% | 5,213 |
| Memoranda: | ||
| Average total assets | $714,986,500 | 1,005 |
| Average earning assets | $678,171,250 | 984 |
| Average equity | $67,001,750 | 1,175 |
| Average total loans | $560,727,750 | 883 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,302 |
| Cost of funding earning assets | 0.2848% | 4,296 |
| Net interest margin | 4.2976% | 929 |
| Noninterest income to average assets | 0.7418% | 1,964 |
| Noninterest expense to average assets | 2.5956% | 3,737 |
| Loan and lease loss provision to assets | 0.0003% | 4,016 |
| Net operating income to assets | 2.2267% | 218 |
| Return on assets (ROA) | 2.2267% | 231 |
| Pretax return on assets | 2.2298% | 356 |
| Return on Equity (ROE) | 23.7800% | 114 |
| Retained earnings to average equity (ytd only) | -6.2036% | 5,793 |
| Net charge-offs to loans | 0.1894% | 1,213 |
| Credit loss provision to net charge-offs | 0.1901% | 3,049 |
| Earnings coverage of net charge-offs (x) | 15.1008% | 2,015 |
| Efficiency ratio | 53.7875% | 5,328 |
| Assets per employee ($millions) | 4.3552% | 3,291 |
| Cash dividends to net income (ytd only)* | 126.0875% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 1,114 |
| Loan loss allowance to noncurrent loans | 1,854.1133% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 5,174 |
| Noncurrent loans to loans | 0.0960% | 5,067 |
| Net loans and leases to total assets | 77.9177% | 1,220 |
| Net loans and leases to deposits | 91.2440% | 1,600 |
| Net loans and leases to core deposits | 98.1362% | 1,797 |
| Total domestic deposits to total assets | 85.3948% | 2,690 |
| Equity capital to assets | 9.2602% | 5,011 |
| Core capital (leverage) ratio | 9.1166% | 4,697 |
| Tier 1 risk-based capital ratio | 11.0534% | 5,399 |
| Total risk-based capital ratio | 12.3103% | 5,309 |
| Memoranda: | ||
| Average total assets | $712,364,330 | 1,011 |
| Average earning assets | $676,933,000 | 988 |
| Average equity | $66,703,000 | 1,179 |
| Average total loans | $555,457,330 | 889 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 933 |
| Cost of funding earning assets | 0.2741% | 4,453 |
| Net interest margin | 4.4817% | 627 |
| Noninterest income to average assets | 0.6790% | 2,140 |
| Noninterest expense to average assets | 2.6039% | 3,737 |
| Loan and lease loss provision to assets | 0.0006% | 3,655 |
| Net operating income to assets | 2.3405% | 193 |
| Return on assets (ROA) | 2.3405% | 204 |
| Pretax return on assets | 2.3434% | 301 |
| Return on Equity (ROE) | 24.8570% | 102 |
| Retained earnings to average equity (ytd only) | 0.8984% | 4,872 |
| Net charge-offs to loans | 0.0036% | 2,995 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | 831.2000% | 55 |
| Efficiency ratio | 52.6274% | 5,477 |
| Assets per employee ($millions) | 4.3761% | 3,279 |
| Cash dividends to net income (ytd only)* | 96.3855% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 928 |
| Loan loss allowance to noncurrent loans | 358.5407% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,774 |
| Noncurrent loans to loans | 0.5376% | 3,574 |
| Net loans and leases to total assets | 77.0064% | 1,246 |
| Net loans and leases to deposits | 87.5569% | 1,878 |
| Net loans and leases to core deposits | 94.2192% | 1,968 |
| Total domestic deposits to total assets | 87.9501% | 1,667 |
| Equity capital to assets | 9.5804% | 4,585 |
| Core capital (leverage) ratio | 9.4546% | 4,266 |
| Tier 1 risk-based capital ratio | 11.7195% | 5,101 |
| Total risk-based capital ratio | 12.9782% | 4,999 |
| Memoranda: | ||
| Average total assets | $709,239,000 | 1,011 |
| Average earning assets | $675,547,000 | 989 |
| Average equity | $66,782,000 | 1,173 |
| Average total loans | $548,151,000 | 897 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 1,911 |
| Cost of funding earning assets | 0.2395% | 4,901 |
| Net interest margin | 4.1578% | 1,264 |
| Noninterest income to average assets | 0.7799% | 1,862 |
| Noninterest expense to average assets | 2.5845% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.1548% | 268 |
| Return on assets (ROA) | 2.1548% | 273 |
| Pretax return on assets | 2.1575% | 379 |
| Return on Equity (ROE) | 23.6437% | 122 |
| Retained earnings to average equity (ytd only) | 5.6142% | 2,008 |
| Net charge-offs to loans | -0.2999% | 6,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5016% | 5,491 |
| Assets per employee ($millions) | 4.6969% | 2,735 |
| Cash dividends to net income (ytd only)* | 76.2549% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9641% | 854 |
| Loan loss allowance to noncurrent loans | 175.7621% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 2,464 |
| Noncurrent loans to loans | 1.1175% | 2,104 |
| Net loans and leases to total assets | 74.5766% | 1,634 |
| Net loans and leases to deposits | 84.8077% | 2,268 |
| Net loans and leases to core deposits | 91.4266% | 2,279 |
| Total domestic deposits to total assets | 87.9361% | 1,664 |
| Equity capital to assets | 9.2538% | 4,843 |
| Core capital (leverage) ratio | 9.1966% | 4,623 |
| Tier 1 risk-based capital ratio | 11.8123% | 5,063 |
| Total risk-based capital ratio | 13.0711% | 4,977 |
| Memoranda: | ||
| Average total assets | $699,873,800 | 992 |
| Average earning assets | $666,943,000 | 954 |
| Average equity | $63,784,400 | 1,180 |
| Average total loans | $522,190,000 | 894 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 1,863 |
| Cost of funding earning assets | 0.2331% | 5,065 |
| Net interest margin | 4.1850% | 1,199 |
| Noninterest income to average assets | 0.7649% | 1,959 |
| Noninterest expense to average assets | 2.5628% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1871% | 267 |
| Return on assets (ROA) | 2.1871% | 276 |
| Pretax return on assets | 2.1898% | 427 |
| Return on Equity (ROE) | 24.0931% | 131 |
| Retained earnings to average equity (ytd only) | 3.0014% | 4,306 |
| Net charge-offs to loans | -0.4059% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9239% | 5,522 |
| Assets per employee ($millions) | 4.7361% | 2,645 |
| Cash dividends to net income (ytd only)* | 87.5427% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 923 |
| Loan loss allowance to noncurrent loans | 178.3626% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 2,714 |
| Noncurrent loans to loans | 1.1151% | 2,270 |
| Net loans and leases to total assets | 73.0726% | 1,893 |
| Net loans and leases to deposits | 82.7040% | 2,562 |
| Net loans and leases to core deposits | 89.0580% | 2,553 |
| Total domestic deposits to total assets | 88.3544% | 1,374 |
| Equity capital to assets | 9.0023% | 5,303 |
| Core capital (leverage) ratio | 9.1063% | 4,870 |
| Tier 1 risk-based capital ratio | 11.6056% | 5,323 |
| Total risk-based capital ratio | 12.8646% | 5,245 |
| Memoranda: | ||
| Average total assets | $696,360,750 | 1,002 |
| Average earning assets | $663,521,750 | 966 |
| Average equity | $63,214,250 | 1,201 |
| Average total loans | $516,965,250 | 907 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 1,926 |
| Cost of funding earning assets | 0.2277% | 5,166 |
| Net interest margin | 4.1514% | 1,222 |
| Noninterest income to average assets | 0.7811% | 1,863 |
| Noninterest expense to average assets | 2.4676% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2718% | 229 |
| Return on assets (ROA) | 2.2718% | 242 |
| Pretax return on assets | 2.2744% | 356 |
| Return on Equity (ROE) | 24.9539% | 121 |
| Retained earnings to average equity (ytd only) | -3.7617% | 5,962 |
| Net charge-offs to loans | -0.6352% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0368% | 5,716 |
| Assets per employee ($millions) | 4.7816% | 2,569 |
| Cash dividends to net income (ytd only)* | 115.0748% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 931 |
| Loan loss allowance to noncurrent loans | 168.5054% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 2,631 |
| Noncurrent loans to loans | 1.2081% | 2,240 |
| Net loans and leases to total assets | 73.9090% | 1,678 |
| Net loans and leases to deposits | 86.5076% | 2,003 |
| Net loans and leases to core deposits | 93.1897% | 2,041 |
| Total domestic deposits to total assets | 85.4364% | 2,950 |
| Equity capital to assets | 8.8809% | 5,362 |
| Core capital (leverage) ratio | 8.9565% | 5,025 |
| Tier 1 risk-based capital ratio | 11.4290% | 5,510 |
| Total risk-based capital ratio | 12.6890% | 5,423 |
| Memoranda: | ||
| Average total assets | $688,520,000 | 1,015 |
| Average earning assets | $656,934,000 | 977 |
| Average equity | $62,683,670 | 1,215 |
| Average total loans | $510,383,000 | 920 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,351 |
| Cost of funding earning assets | 0.2267% | 5,251 |
| Net interest margin | 4.0028% | 1,542 |
| Noninterest income to average assets | 0.7559% | 1,881 |
| Noninterest expense to average assets | 2.3922% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1839% | 235 |
| Return on assets (ROA) | 2.1839% | 254 |
| Pretax return on assets | 2.1863% | 394 |
| Return on Equity (ROE) | 23.6918% | 135 |
| Retained earnings to average equity (ytd only) | -1.6945% | 5,647 |
| Net charge-offs to loans | -1.2807% | 6,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2489% | 5,795 |
| Assets per employee ($millions) | 4.8592% | 2,546 |
| Cash dividends to net income (ytd only)* | 107.1524% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1164% | 907 |
| Loan loss allowance to noncurrent loans | 148.3241% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.1238% | 2,387 |
| Noncurrent loans to loans | 1.4269% | 2,005 |
| Net loans and leases to total assets | 72.2903% | 1,761 |
| Net loans and leases to deposits | 83.5555% | 2,138 |
| Net loans and leases to core deposits | 90.0739% | 2,119 |
| Total domestic deposits to total assets | 86.5178% | 2,661 |
| Equity capital to assets | 9.2412% | 5,038 |
| Core capital (leverage) ratio | 9.1951% | 4,724 |
| Tier 1 risk-based capital ratio | 12.0811% | 5,185 |
| Total risk-based capital ratio | 13.3410% | 5,085 |
| Memoranda: | ||
| Average total assets | $683,720,500 | 1,017 |
| Average earning assets | $652,947,500 | 984 |
| Average equity | $63,026,000 | 1,212 |
| Average total loans | $502,227,000 | 932 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,735 |
| Cost of funding earning assets | 0.2540% | 5,280 |
| Net interest margin | 4.0074% | 1,878 |
| Noninterest income to average assets | 0.6341% | 2,651 |
| Noninterest expense to average assets | 2.8967% | 3,163 |
| Loan and lease loss provision to assets | 0.0891% | 2,690 |
| Net operating income to assets | 1.4699% | 935 |
| Return on assets (ROA) | 1.4733% | 965 |
| Pretax return on assets | 1.4758% | 1,637 |
| Return on Equity (ROE) | 15.9659% | 625 |
| Retained earnings to average equity (ytd only) | 1.4880% | 5,099 |
| Net charge-offs to loans | 0.0471% | 3,885 |
| Credit loss provision to net charge-offs | 270.2703% | 948 |
| Earnings coverage of net charge-offs (x) | 47.3829% | 968 |
| Efficiency ratio | 64.9752% | 4,404 |
| Assets per employee ($millions) | 4.9086% | 2,441 |
| Cash dividends to net income (ytd only)* | 90.6801% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 1,480 |
| Loan loss allowance to noncurrent loans | 227.4113% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 3,597 |
| Noncurrent loans to loans | 0.8029% | 3,302 |
| Net loans and leases to total assets | 71.7211% | 1,951 |
| Net loans and leases to deposits | 82.9764% | 2,342 |
| Net loans and leases to core deposits | 89.2284% | 2,360 |
| Total domestic deposits to total assets | 86.4356% | 2,604 |
| Equity capital to assets | 9.1949% | 5,082 |
| Core capital (leverage) ratio | 9.2082% | 4,670 |
| Tier 1 risk-based capital ratio | 12.0595% | 5,320 |
| Total risk-based capital ratio | 13.3162% | 5,224 |
| Memoranda: | ||
| Average total assets | $673,674,000 | 990 |
| Average earning assets | $642,842,400 | 957 |
| Average equity | $62,163,600 | 1,172 |
| Average total loans | $471,579,000 | 945 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 2,953 |
| Cost of funding earning assets | 0.2603% | 5,298 |
| Net interest margin | 3.9498% | 2,039 |
| Noninterest income to average assets | 0.6342% | 2,655 |
| Noninterest expense to average assets | 3.0104% | 2,771 |
| Loan and lease loss provision to assets | 0.0893% | 2,570 |
| Net operating income to assets | 1.3011% | 1,366 |
| Return on assets (ROA) | 1.3011% | 1,423 |
| Pretax return on assets | 1.3035% | 2,362 |
| Return on Equity (ROE) | 14.0875% | 966 |
| Retained earnings to average equity (ytd only) | 2.2637% | 4,925 |
| Net charge-offs to loans | 0.0568% | 3,406 |
| Credit loss provision to net charge-offs | 227.2727% | 1,144 |
| Earnings coverage of net charge-offs (x) | 35.4298% | 1,221 |
| Efficiency ratio | 68.3681% | 3,794 |
| Assets per employee ($millions) | 4.9192% | 2,351 |
| Cash dividends to net income (ytd only)* | 83.9311% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 1,617 |
| Loan loss allowance to noncurrent loans | 183.2381% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 3,419 |
| Noncurrent loans to loans | 1.0013% | 3,066 |
| Net loans and leases to total assets | 70.2297% | 2,160 |
| Net loans and leases to deposits | 80.0157% | 2,687 |
| Net loans and leases to core deposits | 85.9368% | 2,676 |
| Total domestic deposits to total assets | 87.7699% | 1,884 |
| Equity capital to assets | 9.2013% | 5,146 |
| Core capital (leverage) ratio | 9.2310% | 4,736 |
| Tier 1 risk-based capital ratio | 12.2742% | 5,318 |
| Total risk-based capital ratio | 13.5312% | 5,236 |
| Memoranda: | ||
| Average total assets | $671,519,000 | 1,006 |
| Average earning assets | $640,792,000 | 966 |
| Average equity | $62,020,500 | 1,186 |
| Average total loans | $464,861,250 | 959 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 3,071 |
| Cost of funding earning assets | 0.2672% | 5,316 |
| Net interest margin | 3.9021% | 2,157 |
| Noninterest income to average assets | 0.6080% | 2,777 |
| Noninterest expense to average assets | 3.3046% | 1,911 |
| Loan and lease loss provision to assets | 0.0899% | 2,529 |
| Net operating income to assets | 0.9298% | 2,659 |
| Return on assets (ROA) | 0.9298% | 2,762 |
| Pretax return on assets | 0.9331% | 3,749 |
| Return on Equity (ROE) | 10.0547% | 2,126 |
| Retained earnings to average equity (ytd only) | -1.2864% | 5,896 |
| Net charge-offs to loans | 0.0267% | 3,658 |
| Credit loss provision to net charge-offs | 491.8033% | 600 |
| Earnings coverage of net charge-offs (x) | 55.9672% | 848 |
| Efficiency ratio | 76.3606% | 2,562 |
| Assets per employee ($millions) | 4.9033% | 2,336 |
| Cash dividends to net income (ytd only)* | 112.7941% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 1,655 |
| Loan loss allowance to noncurrent loans | 162.3845% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8683% | 3,372 |
| Noncurrent loans to loans | 1.1511% | 2,929 |
| Net loans and leases to total assets | 69.0343% | 2,235 |
| Net loans and leases to deposits | 80.8499% | 2,404 |
| Net loans and leases to core deposits | 87.6837% | 2,348 |
| Total domestic deposits to total assets | 85.3858% | 3,334 |
| Equity capital to assets | 9.0798% | 5,221 |
| Core capital (leverage) ratio | 9.1487% | 4,819 |
| Tier 1 risk-based capital ratio | 12.2214% | 5,406 |
| Total risk-based capital ratio | 13.4789% | 5,318 |
| Memoranda: | ||
| Average total assets | $667,437,000 | 1,012 |
| Average earning assets | $636,229,000 | 969 |
| Average equity | $61,722,330 | 1,181 |
| Average total loans | $456,754,670 | 965 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,177 |
| Cost of funding earning assets | 0.2790% | 5,291 |
| Net interest margin | 3.8484% | 2,277 |
| Noninterest income to average assets | 0.5863% | 2,815 |
| Noninterest expense to average assets | 2.3914% | 4,953 |
| Loan and lease loss provision to assets | 0.0909% | 2,404 |
| Net operating income to assets | 1.7693% | 505 |
| Return on assets (ROA) | 1.7693% | 519 |
| Pretax return on assets | 1.7723% | 837 |
| Return on Equity (ROE) | 18.9548% | 369 |
| Retained earnings to average equity (ytd only) | -3.7572% | 6,037 |
| Net charge-offs to loans | 0.0521% | 2,658 |
| Credit loss provision to net charge-offs | 258.6207% | 884 |
| Earnings coverage of net charge-offs (x) | 53.0345% | 725 |
| Efficiency ratio | 56.2073% | 5,820 |
| Assets per employee ($millions) | 4.8642% | 2,425 |
| Cash dividends to net income (ytd only)* | 119.8220% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 1,630 |
| Loan loss allowance to noncurrent loans | 101.7428% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 2,433 |
| Noncurrent loans to loans | 1.9132% | 1,975 |
| Net loans and leases to total assets | 66.6324% | 2,456 |
| Net loans and leases to deposits | 78.0663% | 2,544 |
| Net loans and leases to core deposits | 85.0211% | 2,420 |
| Total domestic deposits to total assets | 85.3535% | 3,693 |
| Equity capital to assets | 9.2542% | 4,808 |
| Core capital (leverage) ratio | 9.3657% | 4,485 |
| Tier 1 risk-based capital ratio | 12.6943% | 5,191 |
| Total risk-based capital ratio | 13.9523% | 5,122 |
| Memoranda: | ||
| Average total assets | $660,376,500 | 1,031 |
| Average earning assets | $629,458,000 | 989 |
| Average equity | $61,641,500 | 1,176 |
| Average total loans | $445,396,500 | 991 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 3,485 |
| Cost of funding earning assets | 0.3211% | 5,414 |
| Net interest margin | 3.8424% | 2,492 |
| Noninterest income to average assets | 0.7702% | 2,212 |
| Noninterest expense to average assets | 2.3832% | 5,118 |
| Loan and lease loss provision to assets | 0.1138% | 2,917 |
| Net operating income to assets | 1.9219% | 385 |
| Return on assets (ROA) | 1.9221% | 390 |
| Pretax return on assets | 1.9247% | 573 |
| Return on Equity (ROE) | 21.1463% | 224 |
| Retained earnings to average equity (ytd only) | 15.3269% | 160 |
| Net charge-offs to loans | 0.0468% | 4,570 |
| Credit loss provision to net charge-offs | 374.6269% | 612 |
| Earnings coverage of net charge-offs (x) | 67.0995% | 629 |
| Efficiency ratio | 53.9001% | 6,145 |
| Assets per employee ($millions) | 4.8471% | 2,380 |
| Cash dividends to net income (ytd only)* | 27.5201% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9918% | 1,571 |
| Loan loss allowance to noncurrent loans | 96.8254% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5646% | 2,377 |
| Noncurrent loans to loans | 2.0571% | 1,923 |
| Net loans and leases to total assets | 65.5941% | 2,753 |
| Net loans and leases to deposits | 74.7020% | 3,158 |
| Net loans and leases to core deposits | 81.7367% | 2,926 |
| Total domestic deposits to total assets | 87.8077% | 2,300 |
| Equity capital to assets | 9.4159% | 4,531 |
| Core capital (leverage) ratio | 9.3341% | 4,498 |
| Tier 1 risk-based capital ratio | 13.1016% | 4,910 |
| Total risk-based capital ratio | 14.3600% | 4,850 |
| Memoranda: | ||
| Average total assets | $661,674,000 | 1,009 |
| Average earning assets | $628,771,800 | 963 |
| Average equity | $60,142,800 | 1,194 |
| Average total loans | $429,937,200 | 997 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,523 |
| Cost of funding earning assets | 0.3288% | 5,477 |
| Net interest margin | 3.8323% | 2,530 |
| Noninterest income to average assets | 0.8249% | 2,037 |
| Noninterest expense to average assets | 2.3511% | 5,178 |
| Loan and lease loss provision to assets | 0.1513% | 2,379 |
| Net operating income to assets | 1.9572% | 394 |
| Return on assets (ROA) | 1.9574% | 406 |
| Pretax return on assets | 1.9599% | 631 |
| Return on Equity (ROE) | 21.7276% | 212 |
| Retained earnings to average equity (ytd only) | 19.4971% | 86 |
| Net charge-offs to loans | 0.0548% | 4,122 |
| Credit loss provision to net charge-offs | 427.8409% | 618 |
| Earnings coverage of net charge-offs (x) | 59.6877% | 759 |
| Efficiency ratio | 52.6908% | 6,209 |
| Assets per employee ($millions) | 4.9473% | 2,242 |
| Cash dividends to net income (ytd only)* | 10.2659% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9785% | 1,774 |
| Loan loss allowance to noncurrent loans | 179.9630% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 3,821 |
| Noncurrent loans to loans | 1.0994% | 3,593 |
| Net loans and leases to total assets | 64.8936% | 2,826 |
| Net loans and leases to deposits | 74.4141% | 3,172 |
| Net loans and leases to core deposits | 81.6119% | 2,922 |
| Total domestic deposits to total assets | 87.2060% | 2,567 |
| Equity capital to assets | 9.2542% | 4,857 |
| Core capital (leverage) ratio | 9.2442% | 4,765 |
| Tier 1 risk-based capital ratio | 12.6506% | 5,360 |
| Total risk-based capital ratio | 13.9083% | 5,298 |
| Memoranda: | ||
| Average total assets | $663,502,000 | 1,010 |
| Average earning assets | $629,715,000 | 969 |
| Average equity | $59,775,000 | 1,213 |
| Average total loans | $427,935,000 | 1,003 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 3,703 |
| Cost of funding earning assets | 0.3378% | 5,502 |
| Net interest margin | 3.7724% | 2,664 |
| Noninterest income to average assets | 0.6589% | 2,865 |
| Noninterest expense to average assets | 2.3204% | 5,297 |
| Loan and lease loss provision to assets | 0.1819% | 2,092 |
| Net operating income to assets | 1.7328% | 595 |
| Return on assets (ROA) | 1.7331% | 645 |
| Pretax return on assets | 1.7364% | 1,044 |
| Return on Equity (ROE) | 19.4153% | 353 |
| Retained earnings to average equity (ytd only) | 19.4153% | 98 |
| Net charge-offs to loans | 0.0104% | 4,670 |
| Credit loss provision to net charge-offs | 2,736.3636% | 124 |
| Earnings coverage of net charge-offs (x) | 288.5909% | 175 |
| Efficiency ratio | 54.7470% | 6,079 |
| Assets per employee ($millions) | 5.0841% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 1,885 |
| Loan loss allowance to noncurrent loans | 187.0671% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 2,748 |
| Noncurrent loans to loans | 1.0619% | 3,802 |
| Net loans and leases to total assets | 64.3388% | 2,864 |
| Net loans and leases to deposits | 74.7895% | 3,039 |
| Net loans and leases to core deposits | 81.6419% | 2,835 |
| Total domestic deposits to total assets | 86.0265% | 3,350 |
| Equity capital to assets | 8.8447% | 5,393 |
| Core capital (leverage) ratio | 8.9292% | 5,103 |
| Tier 1 risk-based capital ratio | 11.8145% | 5,906 |
| Total risk-based capital ratio | 13.0718% | 5,851 |
| Memoranda: | ||
| Average total assets | $662,041,330 | 1,009 |
| Average earning assets | $628,196,330 | 975 |
| Average equity | $59,097,670 | 1,228 |
| Average total loans | $423,192,670 | 1,007 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,734 |
| Cost of funding earning assets | 0.3510% | 5,523 |
| Net interest margin | 3.7478% | 2,671 |
| Noninterest income to average assets | 0.6722% | 2,744 |
| Noninterest expense to average assets | 2.3209% | 5,367 |
| Loan and lease loss provision to assets | 0.1831% | 2,013 |
| Net operating income to assets | 1.7180% | 562 |
| Return on assets (ROA) | 1.7180% | 623 |
| Pretax return on assets | 1.7210% | 1,030 |
| Return on Equity (ROE) | 19.1562% | 348 |
| Retained earnings to average equity (ytd only) | 19.1562% | 162 |
| Net charge-offs to loans | -0.0212% | 5,739 |
| Credit loss provision to net charge-offs | -1,368.1818% | 5,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9316% | 6,160 |
| Assets per employee ($millions) | 5.0338% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0650% | 1,881 |
| Loan loss allowance to noncurrent loans | 151.8141% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 2,647 |
| Noncurrent loans to loans | 1.3602% | 3,525 |
| Net loans and leases to total assets | 61.5585% | 3,153 |
| Net loans and leases to deposits | 69.9648% | 3,488 |
| Net loans and leases to core deposits | 76.8663% | 3,220 |
| Total domestic deposits to total assets | 87.9850% | 2,319 |
| Equity capital to assets | 9.1842% | 5,272 |
| Core capital (leverage) ratio | 8.5448% | 5,518 |
| Tier 1 risk-based capital ratio | 11.9972% | 5,917 |
| Total risk-based capital ratio | 13.2554% | 5,871 |
| Memoranda: | ||
| Average total assets | $657,512,500 | 1,031 |
| Average earning assets | $623,300,000 | 998 |
| Average equity | $58,968,000 | 1,241 |
| Average total loans | $414,525,000 | 1,033 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 3,510 |
| Cost of funding earning assets | 0.4477% | 5,597 |
| Net interest margin | 4.0251% | 2,294 |
| Noninterest income to average assets | 0.6374% | 3,068 |
| Noninterest expense to average assets | 3.1822% | 2,674 |
| Loan and lease loss provision to assets | 0.1147% | 4,199 |
| Net operating income to assets | 1.1570% | 1,748 |
| Return on assets (ROA) | 1.1581% | 1,903 |
| Pretax return on assets | 1.1614% | 2,945 |
| Return on Equity (ROE) | 12.0538% | 1,498 |
| Retained earnings to average equity (ytd only) | -0.5618% | 5,946 |
| Net charge-offs to loans | 0.4134% | 2,593 |
| Credit loss provision to net charge-offs | 42.8227% | 4,872 |
| Earnings coverage of net charge-offs (x) | 4.7581% | 3,267 |
| Efficiency ratio | 71.3949% | 3,537 |
| Assets per employee ($millions) | 5.1612% | 2,032 |
| Cash dividends to net income (ytd only)* | 104.6609% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 2,142 |
| Loan loss allowance to noncurrent loans | 84.3415% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.6773% | 2,882 |
| Noncurrent loans to loans | 2.3193% | 2,324 |
| Net loans and leases to total assets | 61.9937% | 3,254 |
| Net loans and leases to deposits | 69.7498% | 3,742 |
| Net loans and leases to core deposits | 76.5413% | 3,459 |
| Total domestic deposits to total assets | 88.8801% | 1,650 |
| Equity capital to assets | 8.7545% | 5,790 |
| Core capital (leverage) ratio | 8.3643% | 5,806 |
| Tier 1 risk-based capital ratio | 11.5958% | 6,035 |
| Total risk-based capital ratio | 12.8536% | 5,991 |
| Memoranda: | ||
| Average total assets | $618,753,400 | 1,072 |
| Average earning assets | $587,189,000 | 1,029 |
| Average equity | $59,450,200 | 1,196 |
| Average total loans | $401,035,600 | 1,041 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 3,776 |
| Cost of funding earning assets | 0.4696% | 5,643 |
| Net interest margin | 3.9914% | 2,538 |
| Noninterest income to average assets | 0.5495% | 3,616 |
| Noninterest expense to average assets | 2.3440% | 5,562 |
| Loan and lease loss provision to assets | 0.0899% | 4,483 |
| Net operating income to assets | 1.9026% | 450 |
| Return on assets (ROA) | 1.9037% | 521 |
| Pretax return on assets | 1.9063% | 858 |
| Return on Equity (ROE) | 19.3466% | 377 |
| Retained earnings to average equity (ytd only) | 5.9811% | 2,708 |
| Net charge-offs to loans | 0.0490% | 4,969 |
| Credit loss provision to net charge-offs | 280.8219% | 966 |
| Earnings coverage of net charge-offs (x) | 62.3431% | 633 |
| Efficiency ratio | 54.0210% | 6,244 |
| Assets per employee ($millions) | 5.0515% | 2,118 |
| Cash dividends to net income (ytd only)* | 69.0846% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 1,591 |
| Loan loss allowance to noncurrent loans | 72.0329% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.3993% | 2,220 |
| Noncurrent loans to loans | 3.1450% | 1,759 |
| Net loans and leases to total assets | 64.6239% | 2,903 |
| Net loans and leases to deposits | 73.7161% | 3,337 |
| Net loans and leases to core deposits | 80.7425% | 3,113 |
| Total domestic deposits to total assets | 87.6659% | 2,251 |
| Equity capital to assets | 9.7845% | 4,805 |
| Core capital (leverage) ratio | 9.1603% | 4,816 |
| Tier 1 risk-based capital ratio | 12.5584% | 5,597 |
| Total risk-based capital ratio | 13.8200% | 5,547 |
| Memoranda: | ||
| Average total assets | $608,284,750 | 1,096 |
| Average earning assets | $577,523,000 | 1,051 |
| Average equity | $59,854,000 | 1,196 |
| Average total loans | $396,864,750 | 1,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 3,857 |
| Cost of funding earning assets | 0.4916% | 5,676 |
| Net interest margin | 3.9870% | 2,562 |
| Noninterest income to average assets | 0.5562% | 3,544 |
| Noninterest expense to average assets | 2.3638% | 5,582 |
| Loan and lease loss provision to assets | 0.0598% | 4,903 |
| Net operating income to assets | 1.9145% | 450 |
| Return on assets (ROA) | 1.9151% | 514 |
| Pretax return on assets | 1.9178% | 818 |
| Return on Equity (ROE) | 19.4255% | 390 |
| Retained earnings to average equity (ytd only) | 7.6361% | 1,794 |
| Net charge-offs to loans | -0.0261% | 6,491 |
| Credit loss provision to net charge-offs | -352.9412% | 6,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4564% | 6,277 |
| Assets per employee ($millions) | 4.9704% | 2,214 |
| Cash dividends to net income (ytd only)* | 60.6901% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3522% | 1,499 |
| Loan loss allowance to noncurrent loans | 58.8457% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 3.0017% | 1,838 |
| Noncurrent loans to loans | 3.9973% | 1,381 |
| Net loans and leases to total assets | 64.0086% | 3,028 |
| Net loans and leases to deposits | 74.1472% | 3,270 |
| Net loans and leases to core deposits | 81.4646% | 3,027 |
| Total domestic deposits to total assets | 86.3265% | 3,177 |
| Equity capital to assets | 9.9627% | 4,395 |
| Core capital (leverage) ratio | 9.2472% | 4,530 |
| Tier 1 risk-based capital ratio | 12.9559% | 5,213 |
| Total risk-based capital ratio | 14.2184% | 5,179 |
| Memoranda: | ||
| Average total assets | $602,250,670 | 1,108 |
| Average earning assets | $571,654,000 | 1,058 |
| Average equity | $59,375,670 | 1,199 |
| Average total loans | $391,093,330 | 1,080 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 3,992 |
| Cost of funding earning assets | 0.5143% | 5,723 |
| Net interest margin | 3.9694% | 2,632 |
| Noninterest income to average assets | 0.4892% | 3,986 |
| Noninterest expense to average assets | 2.3626% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8894% | 502 |
| Return on assets (ROA) | 1.8901% | 575 |
| Pretax return on assets | 1.8928% | 890 |
| Return on Equity (ROE) | 19.2738% | 429 |
| Retained earnings to average equity (ytd only) | 12.4777% | 751 |
| Net charge-offs to loans | -0.0155% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5294% | 6,176 |
| Assets per employee ($millions) | 4.9400% | 2,329 |
| Cash dividends to net income (ytd only)* | 35.2609% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3732% | 1,550 |
| Loan loss allowance to noncurrent loans | 52.4762% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 3.2760% | 1,763 |
| Noncurrent loans to loans | 4.5224% | 1,287 |
| Net loans and leases to total assets | 62.3461% | 3,180 |
| Net loans and leases to deposits | 71.2524% | 3,549 |
| Net loans and leases to core deposits | 78.6484% | 3,239 |
| Total domestic deposits to total assets | 87.5004% | 2,651 |
| Equity capital to assets | 9.9414% | 4,202 |
| Core capital (leverage) ratio | 9.2832% | 4,391 |
| Tier 1 risk-based capital ratio | 13.1088% | 5,126 |
| Total risk-based capital ratio | 14.3710% | 5,090 |
| Memoranda: | ||
| Average total assets | $600,181,000 | 1,111 |
| Average earning assets | $569,349,000 | 1,070 |
| Average equity | $58,857,000 | 1,207 |
| Average total loans | $387,894,000 | 1,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 3,855 |
| Cost of funding earning assets | 0.6701% | 5,710 |
| Net interest margin | 4.1209% | 2,349 |
| Noninterest income to average assets | 0.5567% | 3,460 |
| Noninterest expense to average assets | 2.4164% | 5,729 |
| Loan and lease loss provision to assets | 0.3453% | 2,932 |
| Net operating income to assets | 1.7018% | 546 |
| Return on assets (ROA) | 1.7258% | 567 |
| Pretax return on assets | 1.7285% | 932 |
| Return on Equity (ROE) | 19.1684% | 305 |
| Retained earnings to average equity (ytd only) | 7.8373% | 1,135 |
| Net charge-offs to loans | 0.2525% | 4,196 |
| Credit loss provision to net charge-offs | 207.0336% | 1,196 |
| Earnings coverage of net charge-offs (x) | 12.2895% | 1,637 |
| Efficiency ratio | 54.1039% | 6,504 |
| Assets per employee ($millions) | 4.7814% | 2,472 |
| Cash dividends to net income (ytd only)* | 59.1133% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3328% | 1,572 |
| Loan loss allowance to noncurrent loans | 64.0020% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.7155% | 2,240 |
| Noncurrent loans to loans | 3.6449% | 1,737 |
| Net loans and leases to total assets | 63.8780% | 3,214 |
| Net loans and leases to deposits | 72.8442% | 3,688 |
| Net loans and leases to core deposits | 80.4666% | 3,391 |
| Total domestic deposits to total assets | 87.6912% | 2,341 |
| Equity capital to assets | 9.6706% | 4,648 |
| Core capital (leverage) ratio | 9.0105% | 4,768 |
| Tier 1 risk-based capital ratio | 11.9740% | 5,853 |
| Total risk-based capital ratio | 13.2343% | 5,822 |
| Memoranda: | ||
| Average total assets | $588,150,000 | 1,122 |
| Average earning assets | $557,981,200 | 1,064 |
| Average equity | $52,951,800 | 1,283 |
| Average total loans | $388,552,800 | 1,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 3,997 |
| Cost of funding earning assets | 0.7063% | 5,718 |
| Net interest margin | 4.0989% | 2,484 |
| Noninterest income to average assets | 0.5260% | 3,687 |
| Noninterest expense to average assets | 2.4303% | 5,690 |
| Loan and lease loss provision to assets | 0.3257% | 2,927 |
| Net operating income to assets | 1.6550% | 699 |
| Return on assets (ROA) | 1.6732% | 738 |
| Pretax return on assets | 1.6759% | 1,193 |
| Return on Equity (ROE) | 18.9430% | 392 |
| Retained earnings to average equity (ytd only) | 3.4814% | 4,260 |
| Net charge-offs to loans | 0.3612% | 3,282 |
| Credit loss provision to net charge-offs | 136.1560% | 2,347 |
| Earnings coverage of net charge-offs (x) | 8.2911% | 2,202 |
| Efficiency ratio | 55.0616% | 6,381 |
| Assets per employee ($millions) | 4.8693% | 2,371 |
| Cash dividends to net income (ytd only)* | 81.6215% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1201% | 2,022 |
| Loan loss allowance to noncurrent loans | 53.0583% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.8825% | 2,247 |
| Noncurrent loans to loans | 3.9957% | 1,658 |
| Net loans and leases to total assets | 65.6628% | 2,972 |
| Net loans and leases to deposits | 74.7432% | 3,552 |
| Net loans and leases to core deposits | 82.2591% | 3,288 |
| Total domestic deposits to total assets | 87.8512% | 2,129 |
| Equity capital to assets | 9.3040% | 5,375 |
| Core capital (leverage) ratio | 8.5873% | 5,575 |
| Tier 1 risk-based capital ratio | 11.6437% | 6,144 |
| Total risk-based capital ratio | 12.9028% | 6,131 |
| Memoranda: | ||
| Average total assets | $585,767,500 | 1,125 |
| Average earning assets | $555,579,500 | 1,080 |
| Average equity | $51,740,000 | 1,318 |
| Average total loans | $387,964,750 | 1,110 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 4,045 |
| Cost of funding earning assets | 0.7440% | 5,709 |
| Net interest margin | 4.0688% | 2,539 |
| Noninterest income to average assets | 0.4827% | 3,999 |
| Noninterest expense to average assets | 2.4237% | 5,769 |
| Loan and lease loss provision to assets | 0.2851% | 3,101 |
| Net operating income to assets | 1.6360% | 685 |
| Return on assets (ROA) | 1.6367% | 728 |
| Pretax return on assets | 1.6394% | 1,181 |
| Return on Equity (ROE) | 18.8715% | 400 |
| Retained earnings to average equity (ytd only) | -4.8613% | 6,555 |
| Net charge-offs to loans | 0.3309% | 3,239 |
| Credit loss provision to net charge-offs | 130.6604% | 2,338 |
| Earnings coverage of net charge-offs (x) | 8.8176% | 2,005 |
| Efficiency ratio | 55.7484% | 6,446 |
| Assets per employee ($millions) | 4.7296% | 2,507 |
| Cash dividends to net income (ytd only)* | 125.7598% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 2,116 |
| Loan loss allowance to noncurrent loans | 50.5691% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.9713% | 2,256 |
| Noncurrent loans to loans | 4.1586% | 1,640 |
| Net loans and leases to total assets | 65.0727% | 3,242 |
| Net loans and leases to deposits | 75.6237% | 3,541 |
| Net loans and leases to core deposits | 83.4500% | 3,299 |
| Total domestic deposits to total assets | 86.0481% | 3,303 |
| Equity capital to assets | 8.8056% | 5,811 |
| Core capital (leverage) ratio | 8.1235% | 6,131 |
| Tier 1 risk-based capital ratio | 11.1139% | 6,437 |
| Total risk-based capital ratio | 12.3730% | 6,428 |
| Memoranda: | ||
| Average total assets | $583,004,000 | 1,144 |
| Average earning assets | $553,771,330 | 1,090 |
| Average equity | $50,563,000 | 1,330 |
| Average total loans | $384,445,000 | 1,140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 4,056 |
| Cost of funding earning assets | 0.7867% | 5,628 |
| Net interest margin | 4.0138% | 2,630 |
| Noninterest income to average assets | 0.6004% | 3,164 |
| Noninterest expense to average assets | 2.5026% | 5,537 |
| Loan and lease loss provision to assets | 0.3358% | 2,545 |
| Net operating income to assets | 1.5698% | 738 |
| Return on assets (ROA) | 1.5712% | 776 |
| Pretax return on assets | 1.5740% | 1,246 |
| Return on Equity (ROE) | 18.2594% | 456 |
| Retained earnings to average equity (ytd only) | 2.2001% | 4,825 |
| Net charge-offs to loans | 0.3093% | 2,807 |
| Credit loss provision to net charge-offs | 165.3061% | 1,756 |
| Earnings coverage of net charge-offs (x) | 9.3946% | 1,727 |
| Efficiency ratio | 56.7356% | 6,416 |
| Assets per employee ($millions) | 4.5061% | 2,880 |
| Cash dividends to net income (ytd only)* | 87.9507% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1807% | 2,009 |
| Loan loss allowance to noncurrent loans | 53.2315% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.9629% | 2,328 |
| Noncurrent loans to loans | 4.0967% | 1,756 |
| Net loans and leases to total assets | 63.7480% | 3,489 |
| Net loans and leases to deposits | 72.5892% | 3,973 |
| Net loans and leases to core deposits | 80.4423% | 3,678 |
| Total domestic deposits to total assets | 87.8202% | 2,473 |
| Equity capital to assets | 8.6241% | 5,747 |
| Core capital (leverage) ratio | 8.5358% | 5,377 |
| Tier 1 risk-based capital ratio | 11.6882% | 5,949 |
| Total risk-based capital ratio | 12.9476% | 5,937 |
| Memoranda: | ||
| Average total assets | $578,909,000 | 1,160 |
| Average earning assets | $549,609,000 | 1,112 |
| Average equity | $49,815,500 | 1,337 |
| Average total loans | $380,182,500 | 1,160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1898% | 3,658 |
| Cost of funding earning assets | 1.1291% | 4,971 |
| Net interest margin | 4.0606% | 2,746 |
| Noninterest income to average assets | 0.6088% | 3,416 |
| Noninterest expense to average assets | 2.4705% | 5,890 |
| Loan and lease loss provision to assets | 0.1911% | 5,316 |
| Net operating income to assets | 1.7847% | 433 |
| Return on assets (ROA) | 1.7915% | 460 |
| Pretax return on assets | 1.7942% | 767 |
| Return on Equity (ROE) | 20.4464% | 231 |
| Retained earnings to average equity (ytd only) | 10.2528% | 473 |
| Net charge-offs to loans | 0.1485% | 5,464 |
| Credit loss provision to net charge-offs | 186.0870% | 1,760 |
| Earnings coverage of net charge-offs (x) | 19.2626% | 1,066 |
| Efficiency ratio | 55.5288% | 6,652 |
| Assets per employee ($millions) | 4.4010% | 3,025 |
| Cash dividends to net income (ytd only)* | 49.8554% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1148% | 2,034 |
| Loan loss allowance to noncurrent loans | 61.2541% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.5262% | 2,741 |
| Noncurrent loans to loans | 3.4526% | 2,195 |
| Net loans and leases to total assets | 64.7799% | 3,714 |
| Net loans and leases to deposits | 73.3731% | 4,302 |
| Net loans and leases to core deposits | 81.4253% | 3,990 |
| Total domestic deposits to total assets | 88.2884% | 2,072 |
| Equity capital to assets | 8.5859% | 5,743 |
| Core capital (leverage) ratio | 8.2846% | 5,704 |
| Tier 1 risk-based capital ratio | 11.6474% | 5,775 |
| Total risk-based capital ratio | 12.9060% | 5,775 |
| Memoranda: | ||
| Average total assets | $559,810,600 | 1,197 |
| Average earning assets | $529,425,400 | 1,157 |
| Average equity | $49,050,200 | 1,363 |
| Average total loans | $387,313,600 | 1,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 3,620 |
| Cost of funding earning assets | 1.2036% | 4,850 |
| Net interest margin | 4.0381% | 2,918 |
| Noninterest income to average assets | 0.5711% | 3,643 |
| Noninterest expense to average assets | 2.4469% | 5,901 |
| Loan and lease loss provision to assets | 0.2522% | 4,568 |
| Net operating income to assets | 1.6814% | 649 |
| Return on assets (ROA) | 1.6879% | 691 |
| Pretax return on assets | 1.6905% | 1,137 |
| Return on Equity (ROE) | 19.1640% | 381 |
| Retained earnings to average equity (ytd only) | 10.9906% | 611 |
| Net charge-offs to loans | 0.1132% | 5,405 |
| Credit loss provision to net charge-offs | 318.4848% | 989 |
| Earnings coverage of net charge-offs (x) | 24.4515% | 1,028 |
| Efficiency ratio | 55.8250% | 6,582 |
| Assets per employee ($millions) | 4.4362% | 3,020 |
| Cash dividends to net income (ytd only)* | 42.6500% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,899 |
| Loan loss allowance to noncurrent loans | 65.3613% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.5281% | 2,837 |
| Noncurrent loans to loans | 3.2823% | 2,415 |
| Net loans and leases to total assets | 64.6122% | 3,992 |
| Net loans and leases to deposits | 73.6467% | 4,574 |
| Net loans and leases to core deposits | 81.9032% | 4,263 |
| Total domestic deposits to total assets | 87.7325% | 2,141 |
| Equity capital to assets | 8.8774% | 5,734 |
| Core capital (leverage) ratio | 8.3501% | 5,785 |
| Tier 1 risk-based capital ratio | 11.4468% | 5,977 |
| Total risk-based capital ratio | 12.7060% | 5,958 |
| Memoranda: | ||
| Average total assets | $555,631,000 | 1,218 |
| Average earning assets | $524,525,500 | 1,178 |
| Average equity | $48,937,750 | 1,373 |
| Average total loans | $388,756,000 | 1,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 3,307 |
| Cost of funding earning assets | 1.2645% | 4,747 |
| Net interest margin | 4.0676% | 2,710 |
| Noninterest income to average assets | 0.5696% | 3,547 |
| Noninterest expense to average assets | 2.4301% | 5,977 |
| Loan and lease loss provision to assets | 0.3852% | 3,408 |
| Net operating income to assets | 1.5930% | 735 |
| Return on assets (ROA) | 1.5970% | 786 |
| Pretax return on assets | 1.5996% | 1,301 |
| Return on Equity (ROE) | 18.1836% | 449 |
| Retained earnings to average equity (ytd only) | 11.9235% | 506 |
| Net charge-offs to loans | 0.1571% | 4,688 |
| Credit loss provision to net charge-offs | 343.4641% | 1,063 |
| Earnings coverage of net charge-offs (x) | 17.6601% | 1,328 |
| Efficiency ratio | 55.0939% | 6,749 |
| Assets per employee ($millions) | 4.1778% | 3,432 |
| Cash dividends to net income (ytd only)* | 34.4274% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1353% | 1,895 |
| Loan loss allowance to noncurrent loans | 63.6009% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.6701% | 2,702 |
| Noncurrent loans to loans | 3.3574% | 2,380 |
| Net loans and leases to total assets | 68.6173% | 3,217 |
| Net loans and leases to deposits | 77.8657% | 3,997 |
| Net loans and leases to core deposits | 87.5128% | 3,617 |
| Total domestic deposits to total assets | 88.1226% | 1,943 |
| Equity capital to assets | 9.0155% | 5,420 |
| Core capital (leverage) ratio | 8.5201% | 5,373 |
| Tier 1 risk-based capital ratio | 11.2881% | 5,951 |
| Total risk-based capital ratio | 12.5476% | 5,932 |
| Memoranda: | ||
| Average total assets | $545,650,000 | 1,250 |
| Average earning assets | $515,292,670 | 1,202 |
| Average equity | $47,922,330 | 1,395 |
| Average total loans | $389,459,000 | 1,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 3,234 |
| Cost of funding earning assets | 1.2963% | 4,838 |
| Net interest margin | 4.0657% | 2,584 |
| Noninterest income to average assets | 0.5430% | 3,699 |
| Noninterest expense to average assets | 2.3808% | 6,158 |
| Loan and lease loss provision to assets | 0.3411% | 3,339 |
| Net operating income to assets | 1.6617% | 667 |
| Return on assets (ROA) | 1.6639% | 711 |
| Pretax return on assets | 1.6661% | 1,129 |
| Return on Equity (ROE) | 19.2072% | 425 |
| Retained earnings to average equity (ytd only) | 19.2072% | 206 |
| Net charge-offs to loans | 0.1787% | 3,851 |
| Credit loss provision to net charge-offs | 264.9425% | 1,484 |
| Earnings coverage of net charge-offs (x) | 15.5747% | 1,375 |
| Efficiency ratio | 54.2848% | 6,943 |
| Assets per employee ($millions) | 4.1114% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 2,120 |
| Loan loss allowance to noncurrent loans | 73.1392% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.4795% | 2,927 |
| Noncurrent loans to loans | 2.7666% | 2,888 |
| Net loans and leases to total assets | 69.6103% | 3,031 |
| Net loans and leases to deposits | 80.1896% | 3,625 |
| Net loans and leases to core deposits | 90.3060% | 3,325 |
| Total domestic deposits to total assets | 86.8071% | 2,733 |
| Equity capital to assets | 8.7599% | 5,626 |
| Core capital (leverage) ratio | 8.5477% | 5,293 |
| Tier 1 risk-based capital ratio | 11.1122% | 6,044 |
| Total risk-based capital ratio | 12.3703% | 6,010 |
| Memoranda: | ||
| Average total assets | $540,653,000 | 1,294 |
| Average earning assets | $511,009,000 | 1,244 |
| Average equity | $46,836,500 | 1,438 |
| Average total loans | $389,395,000 | 1,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7295% | 2,963 |
| Cost of funding earning assets | 1.5457% | 5,305 |
| Net interest margin | 4.1838% | 2,124 |
| Noninterest income to average assets | 0.7215% | 2,844 |
| Noninterest expense to average assets | 2.5801% | 5,864 |
| Loan and lease loss provision to assets | 0.3280% | 4,849 |
| Net operating income to assets | 1.7732% | 381 |
| Return on assets (ROA) | 1.8033% | 374 |
| Pretax return on assets | 1.8062% | 631 |
| Return on Equity (ROE) | 21.1085% | 194 |
| Retained earnings to average equity (ytd only) | 10.8178% | 299 |
| Net charge-offs to loans | 0.0867% | 6,255 |
| Credit loss provision to net charge-offs | 507.5075% | 606 |
| Earnings coverage of net charge-offs (x) | 32.5586% | 714 |
| Efficiency ratio | 55.0814% | 7,121 |
| Assets per employee ($millions) | 4.0188% | 3,781 |
| Cash dividends to net income (ytd only)* | 48.7516% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 2,166 |
| Loan loss allowance to noncurrent loans | 73.4270% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0382% | 3,351 |
| Noncurrent loans to loans | 2.6429% | 2,910 |
| Net loans and leases to total assets | 71.6037% | 2,858 |
| Net loans and leases to deposits | 81.7086% | 3,664 |
| Net loans and leases to core deposits | 107.9438% | 3,107 |
| Total domestic deposits to total assets | 87.6330% | 2,152 |
| Equity capital to assets | 8.5638% | 5,782 |
| Core capital (leverage) ratio | 8.2615% | 5,700 |
| Tier 1 risk-based capital ratio | 10.5806% | 6,312 |
| Total risk-based capital ratio | 11.8376% | 6,292 |
| Memoranda: | ||
| Average total assets | $515,288,200 | 1,338 |
| Average earning assets | $488,053,000 | 1,294 |
| Average equity | $44,020,200 | 1,518 |
| Average total loans | $384,184,200 | 1,251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 2,858 |
| Cost of funding earning assets | 1.5983% | 5,409 |
| Net interest margin | 4.2089% | 2,023 |
| Noninterest income to average assets | 0.7637% | 2,628 |
| Noninterest expense to average assets | 2.6003% | 5,711 |
| Loan and lease loss provision to assets | 0.2923% | 4,637 |
| Net operating income to assets | 1.8565% | 397 |
| Return on assets (ROA) | 1.8964% | 386 |
| Pretax return on assets | 1.8996% | 658 |
| Return on Equity (ROE) | 22.2135% | 199 |
| Retained earnings to average equity (ytd only) | 16.0031% | 128 |
| Net charge-offs to loans | 0.1125% | 5,556 |
| Credit loss provision to net charge-offs | 346.4396% | 1,182 |
| Earnings coverage of net charge-offs (x) | 25.5075% | 1,052 |
| Efficiency ratio | 54.7183% | 7,156 |
| Assets per employee ($millions) | 4.0064% | 3,723 |
| Cash dividends to net income (ytd only)* | 27.9576% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 2,357 |
| Loan loss allowance to noncurrent loans | 97.4298% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 4,155 |
| Noncurrent loans to loans | 1.8239% | 3,881 |
| Net loans and leases to total assets | 73.8564% | 2,567 |
| Net loans and leases to deposits | 84.3949% | 3,589 |
| Net loans and leases to core deposits | 111.4411% | 3,075 |
| Total domestic deposits to total assets | 87.5128% | 1,878 |
| Equity capital to assets | 8.8674% | 5,681 |
| Core capital (leverage) ratio | 8.5443% | 5,415 |
| Tier 1 risk-based capital ratio | 10.6546% | 6,295 |
| Total risk-based capital ratio | 11.9099% | 6,267 |
| Memoranda: | ||
| Average total assets | $510,486,250 | 1,365 |
| Average earning assets | $483,751,750 | 1,324 |
| Average equity | $43,582,000 | 1,555 |
| Average total loans | $382,657,000 | 1,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8987% | 2,585 |
| Cost of funding earning assets | 1.6717% | 5,408 |
| Net interest margin | 4.2270% | 1,891 |
| Noninterest income to average assets | 0.8349% | 2,247 |
| Noninterest expense to average assets | 2.6565% | 5,534 |
| Loan and lease loss provision to assets | 0.2867% | 4,284 |
| Net operating income to assets | 1.8964% | 377 |
| Return on assets (ROA) | 1.9134% | 394 |
| Pretax return on assets | 1.9158% | 677 |
| Return on Equity (ROE) | 22.7157% | 207 |
| Retained earnings to average equity (ytd only) | 13.1796% | 310 |
| Net charge-offs to loans | 0.0069% | 6,499 |
| Credit loss provision to net charge-offs | 5,576.9231% | 88 |
| Earnings coverage of net charge-offs (x) | 425.0769% | 83 |
| Efficiency ratio | 54.8640% | 7,244 |
| Assets per employee ($millions) | 3.8769% | 3,925 |
| Cash dividends to net income (ytd only)* | 41.9802% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 2,108 |
| Loan loss allowance to noncurrent loans | 100.3185% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 4,221 |
| Noncurrent loans to loans | 1.7728% | 3,846 |
| Net loans and leases to total assets | 74.2183% | 2,647 |
| Net loans and leases to deposits | 85.8764% | 3,572 |
| Net loans and leases to core deposits | 112.4302% | 3,085 |
| Total domestic deposits to total assets | 86.4245% | 2,554 |
| Equity capital to assets | 8.4611% | 6,104 |
| Core capital (leverage) ratio | 8.1899% | 6,000 |
| Tier 1 risk-based capital ratio | 10.3346% | 6,557 |
| Total risk-based capital ratio | 11.5902% | 6,483 |
| Memoranda: | ||
| Average total assets | $505,700,670 | 1,406 |
| Average earning assets | $479,397,670 | 1,350 |
| Average equity | $42,596,000 | 1,602 |
| Average total loans | $378,661,670 | 1,309 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8686% | 2,944 |
| Cost of funding earning assets | 1.8021% | 5,104 |
| Net interest margin | 4.0665% | 2,415 |
| Noninterest income to average assets | 0.5536% | 3,890 |
| Noninterest expense to average assets | 2.7272% | 4,891 |
| Loan and lease loss provision to assets | 0.2069% | 4,375 |
| Net operating income to assets | 1.4746% | 984 |
| Return on assets (ROA) | 1.4802% | 1,047 |
| Pretax return on assets | 1.4826% | 1,715 |
| Return on Equity (ROE) | 17.6141% | 625 |
| Retained earnings to average equity (ytd only) | 17.6141% | 243 |
| Net charge-offs to loans | -0.0332% | 7,584 |
| Credit loss provision to net charge-offs | -835.4839% | 6,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8254% | 6,089 |
| Assets per employee ($millions) | 3.8288% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,041 |
| Loan loss allowance to noncurrent loans | 91.4547% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.4021% | 3,842 |
| Noncurrent loans to loans | 1.8913% | 3,426 |
| Net loans and leases to total assets | 72.5977% | 3,094 |
| Net loans and leases to deposits | 83.9436% | 3,992 |
| Net loans and leases to core deposits | 110.3878% | 3,383 |
| Total domestic deposits to total assets | 86.4839% | 2,455 |
| Equity capital to assets | 8.4445% | 6,157 |
| Core capital (leverage) ratio | 8.2317% | 6,033 |
| Tier 1 risk-based capital ratio | 10.3856% | 6,512 |
| Total risk-based capital ratio | 11.6405% | 6,414 |
| Memoranda: | ||
| Average total assets | $500,736,500 | 1,417 |
| Average earning assets | $475,001,000 | 1,369 |
| Average equity | $42,080,000 | 1,615 |
| Average total loans | $373,182,500 | 1,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7165% | 1,970 |
| Cost of funding earning assets | 2.4245% | 4,609 |
| Net interest margin | 4.2920% | 2,005 |
| Noninterest income to average assets | 0.5456% | 4,266 |
| Noninterest expense to average assets | 2.3899% | 6,429 |
| Loan and lease loss provision to assets | 0.2008% | 4,884 |
| Net operating income to assets | 2.0003% | 351 |
| Return on assets (ROA) | 2.0178% | 321 |
| Pretax return on assets | 2.0208% | 571 |
| Return on Equity (ROE) | 24.0046% | 170 |
| Retained earnings to average equity (ytd only) | 4.7711% | 2,169 |
| Net charge-offs to loans | -0.0285% | 7,964 |
| Credit loss provision to net charge-offs | -953.4653% | 7,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0225% | 7,487 |
| Assets per employee ($millions) | 3.7011% | 4,176 |
| Cash dividends to net income (ytd only)* | 80.1240% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 1,969 |
| Loan loss allowance to noncurrent loans | 283.4929% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 5,870 |
| Noncurrent loans to loans | 0.5924% | 5,598 |
| Net loans and leases to total assets | 73.9374% | 3,118 |
| Net loans and leases to deposits | 84.5177% | 4,334 |
| Net loans and leases to core deposits | 111.2707% | 3,640 |
| Total domestic deposits to total assets | 87.4816% | 1,716 |
| Equity capital to assets | 8.3613% | 6,323 |
| Core capital (leverage) ratio | 7.9244% | 6,612 |
| Tier 1 risk-based capital ratio | 10.1316% | 6,593 |
| Total risk-based capital ratio | 11.3859% | 6,454 |
| Memoranda: | ||
| Average total assets | $479,474,200 | 1,431 |
| Average earning assets | $452,262,000 | 1,375 |
| Average equity | $40,304,800 | 1,667 |
| Average total loans | $353,816,200 | 1,373 |