Home > Pioneer Bank > Performance and Condition Ratios
Pioneer Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 2,893 |
| Cost of funding earning assets | 0.8492% | 3,614 |
| Net interest margin | 3.7507% | 1,645 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 3.0188% | 1,105 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1049% | 1,909 |
| Return on assets (ROA) | 0.8878% | 2,558 |
| Pretax return on assets | 1.1218% | 2,343 |
| Return on Equity (ROE) | 7.9400% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.9382% | 1,557 |
| Net charge-offs to loans | 0.0319% | 1,656 |
| Credit loss provision to net charge-offs | 495.9893% | 683 |
| Earnings coverage of net charge-offs (x) | 75.7299% | 1,061 |
| Efficiency ratio | 66.0895% | 2,344 |
| Assets per employee ($millions) | 7.0714% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 733 |
| Loan loss allowance to noncurrent loans | 177.4842% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 818 |
| Noncurrent loans to loans | 0.9365% | 797 |
| Net loans and leases to total assets | 68.2100% | 2,013 |
| Net loans and leases to deposits | 80.2121% | 2,087 |
| Net loans and leases to core deposits | 82.6824% | 2,543 |
| Total domestic deposits to total assets | 85.0400% | 2,299 |
| Equity capital to assets | 12.2453% | 1,048 |
| Core capital (leverage) ratio | 11.2977% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5697% | 725 |
| Memoranda: | ||
| Average total assets | $1,873,963,200 | 605 |
| Average earning assets | $1,728,396,800 | 598 |
| Average equity | $209,582,600 | 518 |
| Average total loans | $1,171,019,200 | 645 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 2,969 |
| Cost of funding earning assets | 0.6979% | 3,768 |
| Net interest margin | 3.7706% | 1,655 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.8947% | 1,236 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9492% | 2,513 |
| Return on assets (ROA) | 0.9618% | 2,468 |
| Pretax return on assets | 1.2176% | 2,255 |
| Return on Equity (ROE) | 8.8100% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.8061% | 1,739 |
| Net charge-offs to loans | 0.0008% | 2,615 |
| Credit loss provision to net charge-offs | 17,085.7143% | 19 |
| Earnings coverage of net charge-offs (x) | 2,566.5714% | 48 |
| Efficiency ratio | 68.8669% | 1,921 |
| Assets per employee ($millions) | 7.4645% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 669 |
| Loan loss allowance to noncurrent loans | 146.1064% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 765 |
| Noncurrent loans to loans | 1.1776% | 668 |
| Net loans and leases to total assets | 61.3000% | 2,724 |
| Net loans and leases to deposits | 71.3409% | 2,754 |
| Net loans and leases to core deposits | 72.8860% | 3,059 |
| Total domestic deposits to total assets | 85.9300% | 2,219 |
| Equity capital to assets | 10.9464% | 1,364 |
| Core capital (leverage) ratio | 11.3894% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5653% | 750 |
| Memoranda: | ||
| Average total assets | $1,879,279,250 | 608 |
| Average earning assets | $1,731,121,750 | 600 |
| Average equity | $205,261,000 | 526 |
| Average total loans | $1,142,486,750 | 659 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 2,862 |
| Cost of funding earning assets | 0.5329% | 3,920 |
| Net interest margin | 3.8786% | 1,466 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.8581% | 1,312 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0968% | 2,135 |
| Return on assets (ROA) | 1.1092% | 2,088 |
| Pretax return on assets | 1.4075% | 1,794 |
| Return on Equity (ROE) | 10.1600% | 2,661 |
| Retained earnings to average equity (ytd only) | 10.1629% | 1,363 |
| Net charge-offs to loans | 0.0005% | 2,430 |
| Credit loss provision to net charge-offs | 9,333.3333% | 61 |
| Earnings coverage of net charge-offs (x) | 4,388.0000% | 21 |
| Efficiency ratio | 66.2822% | 2,198 |
| Assets per employee ($millions) | 7.2495% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 479 |
| Loan loss allowance to noncurrent loans | 126.4221% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 501 |
| Noncurrent loans to loans | 1.5234% | 431 |
| Net loans and leases to total assets | 61.6500% | 2,612 |
| Net loans and leases to deposits | 71.7595% | 2,665 |
| Net loans and leases to core deposits | 73.9132% | 2,891 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 11.3101% | 1,267 |
| Core capital (leverage) ratio | 11.4708% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1087% | 712 |
| Memoranda: | ||
| Average total assets | $1,851,318,333 | 603 |
| Average earning assets | $1,716,515,667 | 595 |
| Average equity | $202,049,333 | 519 |
| Average total loans | $1,115,124,333 | 657 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,614 |
| Cost of funding earning assets | 0.3461% | 4,087 |
| Net interest margin | 4.0328% | 1,206 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.8330% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2851% | 1,712 |
| Return on assets (ROA) | 1.2750% | 1,708 |
| Pretax return on assets | 1.6207% | 1,415 |
| Return on Equity (ROE) | 11.9000% | 2,245 |
| Retained earnings to average equity (ytd only) | 11.8996% | 1,290 |
| Net charge-offs to loans | -0.0081% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9535% | 2,575 |
| Assets per employee ($millions) | 7.2245% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 436 |
| Loan loss allowance to noncurrent loans | 220.5082% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 955 |
| Noncurrent loans to loans | 0.9089% | 832 |
| Net loans and leases to total assets | 58.2800% | 2,848 |
| Net loans and leases to deposits | 67.3063% | 2,828 |
| Net loans and leases to core deposits | 67.7003% | 3,115 |
| Total domestic deposits to total assets | 86.5800% | 2,416 |
| Equity capital to assets | 10.8985% | 1,378 |
| Core capital (leverage) ratio | 10.8174% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0727% | 738 |
| Memoranda: | ||
| Average total assets | $1,849,038,000 | 616 |
| Average earning assets | $1,715,228,000 | 606 |
| Average equity | $198,123,500 | 538 |
| Average total loans | $1,089,367,500 | 677 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0884% | 4,009 |
| Cost of funding earning assets | 0.1395% | 4,179 |
| Net interest margin | 2.9489% | 3,574 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.6375% | 1,707 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.7131% | 3,576 |
| Return on assets (ROA) | 0.7175% | 3,516 |
| Pretax return on assets | 0.9150% | 3,314 |
| Return on Equity (ROE) | 7.4500% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.4537% | 2,048 |
| Net charge-offs to loans | -0.0619% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.9442% | 1,122 |
| Assets per employee ($millions) | 7.0544% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 385 |
| Loan loss allowance to noncurrent loans | 119.8855% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 428 |
| Noncurrent loans to loans | 1.7295% | 355 |
| Net loans and leases to total assets | 57.1400% | 2,903 |
| Net loans and leases to deposits | 65.9744% | 2,892 |
| Net loans and leases to core deposits | 66.3125% | 3,113 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 10.5284% | 1,439 |
| Core capital (leverage) ratio | 10.2869% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6303% | 766 |
| Memoranda: | ||
| Average total assets | $1,936,492,600 | 573 |
| Average earning assets | $1,798,447,600 | 562 |
| Average equity | $186,417,400 | 557 |
| Average total loans | $1,024,655,400 | 665 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7458% | 4,250 |
| Cost of funding earning assets | 0.1139% | 4,168 |
| Net interest margin | 2.6319% | 4,052 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.5574% | 1,835 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.5346% | 4,000 |
| Return on assets (ROA) | 0.5260% | 3,961 |
| Pretax return on assets | 0.6648% | 3,869 |
| Return on Equity (ROE) | 5.5900% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.5867% | 2,896 |
| Net charge-offs to loans | -0.0804% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.5897% | 796 |
| Assets per employee ($millions) | 7.9881% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1655% | 369 |
| Loan loss allowance to noncurrent loans | 187.0617% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 907 |
| Noncurrent loans to loans | 1.1576% | 637 |
| Net loans and leases to total assets | 49.2800% | 3,510 |
| Net loans and leases to deposits | 55.8466% | 3,493 |
| Net loans and leases to core deposits | 56.1761% | 3,617 |
| Total domestic deposits to total assets | 88.2500% | 2,341 |
| Equity capital to assets | 8.9459% | 2,249 |
| Core capital (leverage) ratio | 9.7429% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9521% | 867 |
| Memoranda: | ||
| Average total assets | $1,962,078,750 | 561 |
| Average earning assets | $1,824,037,250 | 552 |
| Average equity | $184,745,250 | 568 |
| Average total loans | $1,013,243,750 | 673 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4923% | 4,381 |
| Cost of funding earning assets | 0.1041% | 4,150 |
| Net interest margin | 2.3882% | 4,246 |
| Noninterest income to average assets | 0.7316% | 1,232 |
| Noninterest expense to average assets | 2.6786% | 1,440 |
| Loan and lease loss provision to assets | -0.0831% | 4,574 |
| Net operating income to assets | 0.2758% | 4,328 |
| Return on assets (ROA) | 0.2659% | 4,298 |
| Pretax return on assets | 0.3493% | 4,231 |
| Return on Equity (ROE) | 2.7742% | 4,248 |
| Retained earnings to average equity (ytd only) | 2.7742% | 3,522 |
| Net charge-offs to loans | -0.1367% | 4,517 |
| Credit loss provision to net charge-offs | 116.6181% | 1,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8480% | 411 |
| Assets per employee ($millions) | 7.6702% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 357 |
| Loan loss allowance to noncurrent loans | 320.9004% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 1,567 |
| Noncurrent loans to loans | 0.6983% | 1,235 |
| Net loans and leases to total assets | 50.0400% | 3,378 |
| Net loans and leases to deposits | 56.8042% | 3,316 |
| Net loans and leases to core deposits | 57.4231% | 3,468 |
| Total domestic deposits to total assets | 88.0921% | 2,538 |
| Equity capital to assets | 9.4729% | 2,037 |
| Core capital (leverage) ratio | 9.4837% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2451% | 820 |
| Memoranda: | ||
| Average total assets | $1,926,469,667 | 570 |
| Average earning assets | $1,795,505,667 | 558 |
| Average equity | $184,633,000 | 577 |
| Average total loans | $1,003,590,000 | 672 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3088% | 4,450 |
| Cost of funding earning assets | 0.1005% | 4,129 |
| Net interest margin | 2.2083% | 4,339 |
| Noninterest income to average assets | 0.7384% | 1,195 |
| Noninterest expense to average assets | 2.7179% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0477% | 4,514 |
| Return on assets (ROA) | 0.0520% | 4,491 |
| Pretax return on assets | 0.0803% | 4,462 |
| Return on Equity (ROE) | 0.5393% | 4,479 |
| Retained earnings to average equity (ytd only) | 0.5393% | 3,911 |
| Net charge-offs to loans | 0.0251% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 1,594 |
| Efficiency ratio | 96.5468% | 314 |
| Assets per employee ($millions) | 7.9252% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2818% | 381 |
| Loan loss allowance to noncurrent loans | 140.0174% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 671 |
| Noncurrent loans to loans | 1.6296% | 489 |
| Net loans and leases to total assets | 48.9916% | 3,283 |
| Net loans and leases to deposits | 54.9680% | 3,345 |
| Net loans and leases to core deposits | 55.5364% | 3,488 |
| Total domestic deposits to total assets | 89.1275% | 2,016 |
| Equity capital to assets | 9.1453% | 2,581 |
| Core capital (leverage) ratio | 9.6052% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6242% | 807 |
| Memoranda: | ||
| Average total assets | $1,907,924,500 | 578 |
| Average earning assets | $1,774,970,500 | 564 |
| Average equity | $183,946,500 | 594 |
| Average total loans | $1,002,840,000 | 668 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6141% | 4,394 |
| Cost of funding earning assets | 0.1229% | 4,202 |
| Net interest margin | 2.4912% | 4,205 |
| Noninterest income to average assets | 0.7873% | 1,481 |
| Noninterest expense to average assets | 2.5398% | 2,059 |
| Loan and lease loss provision to assets | 0.1116% | 1,130 |
| Net operating income to assets | 0.2709% | 4,457 |
| Return on assets (ROA) | 0.2942% | 4,452 |
| Pretax return on assets | 0.4558% | 4,318 |
| Return on Equity (ROE) | 2.9488% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.9488% | 3,648 |
| Net charge-offs to loans | 0.2509% | 366 |
| Credit loss provision to net charge-offs | 72.5953% | 1,997 |
| Earnings coverage of net charge-offs (x) | 3.5002% | 2,540 |
| Efficiency ratio | 81.9663% | 677 |
| Assets per employee ($millions) | 7.5511% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2275% | 433 |
| Loan loss allowance to noncurrent loans | 157.3613% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 725 |
| Noncurrent loans to loans | 1.4155% | 659 |
| Net loans and leases to total assets | 53.9319% | 2,862 |
| Net loans and leases to deposits | 61.0387% | 2,985 |
| Net loans and leases to core deposits | 61.7868% | 3,184 |
| Total domestic deposits to total assets | 88.3568% | 1,850 |
| Equity capital to assets | 10.1723% | 2,499 |
| Core capital (leverage) ratio | 9.7990% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0202% | 892 |
| Memoranda: | ||
| Average total assets | $1,792,906,600 | 587 |
| Average earning assets | $1,648,377,000 | 584 |
| Average equity | $178,850,400 | 608 |
| Average total loans | $1,098,100,000 | 606 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6308% | 4,476 |
| Cost of funding earning assets | 0.1266% | 4,294 |
| Net interest margin | 2.5042% | 4,269 |
| Noninterest income to average assets | 0.7669% | 1,628 |
| Noninterest expense to average assets | 2.9317% | 1,074 |
| Loan and lease loss provision to assets | 0.1498% | 756 |
| Net operating income to assets | -0.0934% | 4,770 |
| Return on assets (ROA) | -0.0717% | 4,773 |
| Pretax return on assets | 0.0109% | 4,748 |
| Return on Equity (ROE) | -0.7221% | 4,781 |
| Retained earnings to average equity (ytd only) | -0.7221% | 4,640 |
| Net charge-offs to loans | 0.2769% | 293 |
| Credit loss provision to net charge-offs | 86.0956% | 1,685 |
| Earnings coverage of net charge-offs (x) | 0.7654% | 2,395 |
| Efficiency ratio | 95.0866% | 211 |
| Assets per employee ($millions) | 8.1601% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1513% | 494 |
| Loan loss allowance to noncurrent loans | 117.2664% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 620 |
| Noncurrent loans to loans | 1.8346% | 518 |
| Net loans and leases to total assets | 53.3584% | 3,040 |
| Net loans and leases to deposits | 59.9699% | 3,232 |
| Net loans and leases to core deposits | 60.6665% | 3,430 |
| Total domestic deposits to total assets | 88.9753% | 1,291 |
| Equity capital to assets | 9.2837% | 3,576 |
| Core capital (leverage) ratio | 9.7793% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3062% | 1,082 |
| Memoranda: | ||
| Average total assets | $1,780,517,250 | 595 |
| Average earning assets | $1,633,929,500 | 591 |
| Average equity | $176,707,750 | 623 |
| Average total loans | $1,118,546,750 | 602 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7403% | 4,415 |
| Cost of funding earning assets | 0.1343% | 4,320 |
| Net interest margin | 2.6060% | 4,157 |
| Noninterest income to average assets | 0.8256% | 1,466 |
| Noninterest expense to average assets | 2.7203% | 1,535 |
| Loan and lease loss provision to assets | 0.2037% | 546 |
| Net operating income to assets | 0.2226% | 4,611 |
| Return on assets (ROA) | 0.2600% | 4,589 |
| Pretax return on assets | 0.3423% | 4,547 |
| Return on Equity (ROE) | 2.5350% | 4,543 |
| Retained earnings to average equity (ytd only) | 2.5350% | 3,990 |
| Net charge-offs to loans | 0.3325% | 260 |
| Credit loss provision to net charge-offs | 92.8382% | 1,424 |
| Earnings coverage of net charge-offs (x) | 2.2727% | 2,132 |
| Efficiency ratio | 83.9395% | 554 |
| Assets per employee ($millions) | 7.3271% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1047% | 500 |
| Loan loss allowance to noncurrent loans | 106.0798% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 534 |
| Noncurrent loans to loans | 1.9841% | 499 |
| Net loans and leases to total assets | 60.2626% | 2,398 |
| Net loans and leases to deposits | 68.4892% | 2,568 |
| Net loans and leases to core deposits | 69.4059% | 2,836 |
| Total domestic deposits to total assets | 87.9885% | 1,826 |
| Equity capital to assets | 10.3489% | 2,541 |
| Core capital (leverage) ratio | 10.2559% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5101% | 1,033 |
| Memoranda: | ||
| Average total assets | $1,718,498,667 | 607 |
| Average earning assets | $1,578,212,667 | 608 |
| Average equity | $176,253,667 | 618 |
| Average total loans | $1,133,928,000 | 601 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8471% | 4,316 |
| Cost of funding earning assets | 0.1429% | 4,354 |
| Net interest margin | 2.7042% | 3,956 |
| Noninterest income to average assets | 0.9201% | 1,276 |
| Noninterest expense to average assets | 2.7745% | 1,423 |
| Loan and lease loss provision to assets | 0.2976% | 316 |
| Net operating income to assets | 0.2650% | 4,568 |
| Return on assets (ROA) | 0.3073% | 4,540 |
| Pretax return on assets | 0.3735% | 4,525 |
| Return on Equity (ROE) | 3.0112% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.0112% | 3,781 |
| Net charge-offs to loans | 0.5420% | 147 |
| Credit loss provision to net charge-offs | 80.3342% | 1,207 |
| Earnings coverage of net charge-offs (x) | 1.6722% | 1,838 |
| Efficiency ratio | 81.1939% | 745 |
| Assets per employee ($millions) | 7.6056% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 611 |
| Loan loss allowance to noncurrent loans | 105.4297% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 601 |
| Noncurrent loans to loans | 1.8847% | 596 |
| Net loans and leases to total assets | 63.7136% | 2,083 |
| Net loans and leases to deposits | 72.0324% | 2,315 |
| Net loans and leases to core deposits | 72.9960% | 2,614 |
| Total domestic deposits to total assets | 88.4513% | 1,631 |
| Equity capital to assets | 9.6296% | 3,067 |
| Core capital (leverage) ratio | 10.6975% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6524% | 1,135 |
| Memoranda: | ||
| Average total assets | $1,680,176,500 | 616 |
| Average earning assets | $1,537,004,000 | 612 |
| Average equity | $171,491,500 | 628 |
| Average total loans | $1,148,363,000 | 591 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 4,123 |
| Cost of funding earning assets | 0.2970% | 4,165 |
| Net interest margin | 3.1520% | 3,488 |
| Noninterest income to average assets | 0.8842% | 1,309 |
| Noninterest expense to average assets | 2.9234% | 1,624 |
| Loan and lease loss provision to assets | 0.4597% | 600 |
| Net operating income to assets | 0.2848% | 4,455 |
| Return on assets (ROA) | 0.3437% | 4,433 |
| Pretax return on assets | 0.4181% | 4,390 |
| Return on Equity (ROE) | 3.0750% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.0750% | 3,312 |
| Net charge-offs to loans | 0.0087% | 3,020 |
| Credit loss provision to net charge-offs | 7,070.7071% | 152 |
| Earnings coverage of net charge-offs (x) | 123.9596% | 688 |
| Efficiency ratio | 77.7907% | 1,047 |
| Assets per employee ($millions) | 6.3685% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 524 |
| Loan loss allowance to noncurrent loans | 166.3514% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 1,095 |
| Noncurrent loans to loans | 1.2392% | 1,117 |
| Net loans and leases to total assets | 70.6583% | 1,476 |
| Net loans and leases to deposits | 81.0980% | 1,749 |
| Net loans and leases to core deposits | 82.3839% | 2,166 |
| Total domestic deposits to total assets | 87.1271% | 1,874 |
| Equity capital to assets | 10.8625% | 2,376 |
| Core capital (leverage) ratio | 11.4302% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4552% | 1,163 |
| Memoranda: | ||
| Average total assets | $1,522,697,800 | 609 |
| Average earning assets | $1,374,478,800 | 613 |
| Average equity | $170,212,400 | 600 |
| Average total loans | $1,137,214,400 | 565 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,145 |
| Cost of funding earning assets | 0.3285% | 4,166 |
| Net interest margin | 3.2077% | 3,469 |
| Noninterest income to average assets | 0.8449% | 1,362 |
| Noninterest expense to average assets | 2.9278% | 1,620 |
| Loan and lease loss provision to assets | 0.4812% | 635 |
| Net operating income to assets | 0.2824% | 4,469 |
| Return on assets (ROA) | 0.3022% | 4,491 |
| Pretax return on assets | 0.3560% | 4,480 |
| Return on Equity (ROE) | 2.6839% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.6839% | 3,655 |
| Net charge-offs to loans | -0.1952% | 4,926 |
| Credit loss provision to net charge-offs | -327.1309% | 3,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6328% | 1,074 |
| Assets per employee ($millions) | 6.6425% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 464 |
| Loan loss allowance to noncurrent loans | 161.4070% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 1,263 |
| Noncurrent loans to loans | 1.2591% | 1,189 |
| Net loans and leases to total assets | 69.9326% | 1,958 |
| Net loans and leases to deposits | 79.8418% | 2,336 |
| Net loans and leases to core deposits | 81.2005% | 2,733 |
| Total domestic deposits to total assets | 87.5889% | 1,401 |
| Equity capital to assets | 10.3788% | 2,893 |
| Core capital (leverage) ratio | 11.5890% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6614% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,510,114,750 | 597 |
| Average earning assets | $1,363,725,500 | 601 |
| Average equity | $170,047,750 | 586 |
| Average total loans | $1,137,800,250 | 558 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 3,936 |
| Cost of funding earning assets | 0.3732% | 4,153 |
| Net interest margin | 3.4013% | 3,099 |
| Noninterest income to average assets | 0.9011% | 1,168 |
| Noninterest expense to average assets | 2.9596% | 1,688 |
| Loan and lease loss provision to assets | 0.6390% | 469 |
| Net operating income to assets | 0.3263% | 4,369 |
| Return on assets (ROA) | 0.2870% | 4,479 |
| Pretax return on assets | 0.3326% | 4,494 |
| Return on Equity (ROE) | 2.4773% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.4773% | 3,587 |
| Net charge-offs to loans | -0.2937% | 4,977 |
| Credit loss provision to net charge-offs | -283.3032% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8017% | 1,483 |
| Assets per employee ($millions) | 5.9561% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 473 |
| Loan loss allowance to noncurrent loans | 172.2005% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 1,384 |
| Noncurrent loans to loans | 1.1330% | 1,387 |
| Net loans and leases to total assets | 75.3166% | 1,228 |
| Net loans and leases to deposits | 87.1388% | 1,649 |
| Net loans and leases to core deposits | 89.1693% | 2,145 |
| Total domestic deposits to total assets | 86.4329% | 1,829 |
| Equity capital to assets | 10.9856% | 2,358 |
| Core capital (leverage) ratio | 11.5744% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6481% | 1,331 |
| Memoranda: | ||
| Average total assets | $1,471,013,333 | 603 |
| Average earning assets | $1,330,183,000 | 601 |
| Average equity | $170,428,333 | 585 |
| Average total loans | $1,129,832,000 | 557 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,618 |
| Cost of funding earning assets | 0.4362% | 4,213 |
| Net interest margin | 3.6282% | 2,576 |
| Noninterest income to average assets | 0.9966% | 865 |
| Noninterest expense to average assets | 3.0670% | 1,729 |
| Loan and lease loss provision to assets | 0.7063% | 371 |
| Net operating income to assets | 0.4124% | 4,108 |
| Return on assets (ROA) | 0.2030% | 4,534 |
| Pretax return on assets | 0.2501% | 4,520 |
| Return on Equity (ROE) | 1.7057% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.7057% | 3,546 |
| Net charge-offs to loans | -0.5976% | 5,036 |
| Credit loss provision to net charge-offs | -153.8926% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0395% | 2,212 |
| Assets per employee ($millions) | 5.9687% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 668 |
| Loan loss allowance to noncurrent loans | 192.6298% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 1,833 |
| Noncurrent loans to loans | 0.9572% | 1,716 |
| Net loans and leases to total assets | 73.5580% | 1,686 |
| Net loans and leases to deposits | 85.8701% | 2,018 |
| Net loans and leases to core deposits | 88.0112% | 2,520 |
| Total domestic deposits to total assets | 85.6619% | 2,146 |
| Equity capital to assets | 11.4880% | 2,442 |
| Core capital (leverage) ratio | 12.1762% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3733% | 1,509 |
| Memoranda: | ||
| Average total assets | $1,444,138,500 | 584 |
| Average earning assets | $1,307,656,500 | 589 |
| Average equity | $171,890,000 | 572 |
| Average total loans | $1,109,123,000 | 545 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 3,128 |
| Cost of funding earning assets | 0.4234% | 4,367 |
| Net interest margin | 4.0216% | 1,780 |
| Noninterest income to average assets | 1.2069% | 647 |
| Noninterest expense to average assets | 3.1308% | 1,689 |
| Loan and lease loss provision to assets | 1.3611% | 65 |
| Net operating income to assets | 0.2949% | 4,755 |
| Return on assets (ROA) | 0.3150% | 4,762 |
| Pretax return on assets | 0.3786% | 4,746 |
| Return on Equity (ROE) | 3.0064% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.0064% | 3,527 |
| Net charge-offs to loans | 1.5137% | 91 |
| Credit loss provision to net charge-offs | 117.9277% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.4863% | 3,536 |
| Efficiency ratio | 64.0530% | 3,067 |
| Assets per employee ($millions) | 5.4730% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,217 |
| Loan loss allowance to noncurrent loans | 148.7598% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 1,611 |
| Noncurrent loans to loans | 1.0120% | 1,502 |
| Net loans and leases to total assets | 77.6219% | 1,137 |
| Net loans and leases to deposits | 90.9193% | 1,489 |
| Net loans and leases to core deposits | 93.6907% | 2,092 |
| Total domestic deposits to total assets | 85.3745% | 2,358 |
| Equity capital to assets | 12.3495% | 1,917 |
| Core capital (leverage) ratio | 12.3553% | 1,564 |
| Tier 1 risk-based capital ratio | 15.5887% | 2,546 |
| Total risk-based capital ratio | 16.8416% | 2,481 |
| Memoranda: | ||
| Average total assets | $1,398,144,200 | 583 |
| Average earning assets | $1,265,259,200 | 585 |
| Average equity | $146,486,600 | 638 |
| Average total loans | $1,066,046,800 | 543 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 3,215 |
| Cost of funding earning assets | 0.3870% | 4,556 |
| Net interest margin | 4.0520% | 1,756 |
| Noninterest income to average assets | 1.1317% | 660 |
| Noninterest expense to average assets | 2.8007% | 2,585 |
| Loan and lease loss provision to assets | 0.1647% | 1,106 |
| Net operating income to assets | 1.4114% | 1,404 |
| Return on assets (ROA) | 1.4121% | 1,450 |
| Pretax return on assets | 1.8372% | 961 |
| Return on Equity (ROE) | 14.9160% | 779 |
| Retained earnings to average equity (ytd only) | 14.9160% | 175 |
| Net charge-offs to loans | 0.0457% | 1,999 |
| Credit loss provision to net charge-offs | 473.0290% | 627 |
| Earnings coverage of net charge-offs (x) | 57.4647% | 1,009 |
| Efficiency ratio | 57.7546% | 4,042 |
| Assets per employee ($millions) | 5.7364% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,789 |
| Loan loss allowance to noncurrent loans | 114.3454% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 1,618 |
| Noncurrent loans to loans | 1.1868% | 1,353 |
| Net loans and leases to total assets | 71.2124% | 2,340 |
| Net loans and leases to deposits | 78.8064% | 3,079 |
| Net loans and leases to core deposits | 80.9244% | 3,349 |
| Total domestic deposits to total assets | 90.3637% | 222 |
| Equity capital to assets | 9.1193% | 4,721 |
| Core capital (leverage) ratio | 9.9897% | 3,590 |
| Tier 1 risk-based capital ratio | 12.5771% | 4,089 |
| Total risk-based capital ratio | 13.8540% | 3,959 |
| Memoranda: | ||
| Average total assets | $1,384,167,000 | 591 |
| Average earning assets | $1,253,686,670 | 593 |
| Average equity | $131,040,670 | 696 |
| Average total loans | $1,055,224,330 | 543 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 2,922 |
| Cost of funding earning assets | 0.3756% | 4,588 |
| Net interest margin | 4.1085% | 1,528 |
| Noninterest income to average assets | 1.1890% | 574 |
| Noninterest expense to average assets | 2.8875% | 2,309 |
| Loan and lease loss provision to assets | 0.1706% | 980 |
| Net operating income to assets | 1.4306% | 1,293 |
| Return on assets (ROA) | 1.4306% | 1,322 |
| Pretax return on assets | 1.8607% | 859 |
| Return on Equity (ROE) | 14.8096% | 786 |
| Retained earnings to average equity (ytd only) | 14.8096% | 287 |
| Net charge-offs to loans | 0.0385% | 1,725 |
| Credit loss provision to net charge-offs | 564.3564% | 564 |
| Earnings coverage of net charge-offs (x) | 67.1881% | 861 |
| Efficiency ratio | 58.1244% | 4,060 |
| Assets per employee ($millions) | 5.3912% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 1,941 |
| Loan loss allowance to noncurrent loans | 108.4059% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 1,488 |
| Noncurrent loans to loans | 1.2306% | 1,338 |
| Net loans and leases to total assets | 75.1075% | 1,625 |
| Net loans and leases to deposits | 83.4263% | 2,448 |
| Net loans and leases to core deposits | 85.5720% | 2,901 |
| Total domestic deposits to total assets | 90.0286% | 435 |
| Equity capital to assets | 9.5099% | 4,249 |
| Core capital (leverage) ratio | 9.9422% | 3,663 |
| Tier 1 risk-based capital ratio | 12.5137% | 4,159 |
| Total risk-based capital ratio | 13.7910% | 4,019 |
| Memoranda: | ||
| Average total assets | $1,336,254,500 | 610 |
| Average earning assets | $1,213,086,000 | 608 |
| Average equity | $129,078,500 | 705 |
| Average total loans | $1,048,618,000 | 554 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,241 |
| Cost of funding earning assets | 0.3169% | 4,488 |
| Net interest margin | 3.9441% | 2,181 |
| Noninterest income to average assets | 1.0295% | 889 |
| Noninterest expense to average assets | 2.8381% | 2,555 |
| Loan and lease loss provision to assets | 0.1714% | 1,164 |
| Net operating income to assets | 1.2909% | 1,845 |
| Return on assets (ROA) | 1.2916% | 1,830 |
| Pretax return on assets | 1.6172% | 1,415 |
| Return on Equity (ROE) | 14.3269% | 972 |
| Retained earnings to average equity (ytd only) | 14.3269% | 147 |
| Net charge-offs to loans | 0.1154% | 1,597 |
| Credit loss provision to net charge-offs | 190.9247% | 1,496 |
| Earnings coverage of net charge-offs (x) | 19.9092% | 2,032 |
| Efficiency ratio | 60.8396% | 3,720 |
| Assets per employee ($millions) | 5.0272% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,018 |
| Loan loss allowance to noncurrent loans | 115.8334% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 1,510 |
| Noncurrent loans to loans | 1.1262% | 1,428 |
| Net loans and leases to total assets | 79.9492% | 950 |
| Net loans and leases to deposits | 91.8788% | 1,566 |
| Net loans and leases to core deposits | 94.1225% | 2,217 |
| Total domestic deposits to total assets | 87.0159% | 1,777 |
| Equity capital to assets | 9.8211% | 3,840 |
| Core capital (leverage) ratio | 9.6950% | 3,905 |
| Tier 1 risk-based capital ratio | 12.0376% | 4,406 |
| Total risk-based capital ratio | 13.2862% | 4,297 |
| Memoranda: | ||
| Average total assets | $1,300,675,200 | 604 |
| Average earning assets | $1,186,013,400 | 604 |
| Average equity | $117,254,800 | 735 |
| Average total loans | $1,011,984,000 | 552 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 3,414 |
| Cost of funding earning assets | 0.3031% | 4,496 |
| Net interest margin | 3.8648% | 2,418 |
| Noninterest income to average assets | 1.0533% | 856 |
| Noninterest expense to average assets | 2.8277% | 2,542 |
| Loan and lease loss provision to assets | 0.1626% | 1,181 |
| Net operating income to assets | 1.2258% | 2,141 |
| Return on assets (ROA) | 1.2266% | 2,136 |
| Pretax return on assets | 1.5916% | 1,612 |
| Return on Equity (ROE) | 13.9128% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.9128% | 260 |
| Net charge-offs to loans | 0.0126% | 2,969 |
| Credit loss provision to net charge-offs | 1,673.6842% | 249 |
| Earnings coverage of net charge-offs (x) | 180.4998% | 476 |
| Efficiency ratio | 61.2543% | 3,623 |
| Assets per employee ($millions) | 5.3254% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,875 |
| Loan loss allowance to noncurrent loans | 148.0899% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 2,117 |
| Noncurrent loans to loans | 0.9125% | 1,877 |
| Net loans and leases to total assets | 74.5600% | 1,891 |
| Net loans and leases to deposits | 82.6706% | 2,748 |
| Net loans and leases to core deposits | 84.5508% | 3,112 |
| Total domestic deposits to total assets | 90.1893% | 444 |
| Equity capital to assets | 8.9103% | 4,629 |
| Core capital (leverage) ratio | 9.3710% | 4,311 |
| Tier 1 risk-based capital ratio | 11.5534% | 4,762 |
| Total risk-based capital ratio | 12.8346% | 4,630 |
| Memoranda: | ||
| Average total assets | $1,304,102,250 | 602 |
| Average earning assets | $1,190,317,750 | 600 |
| Average equity | $114,970,000 | 741 |
| Average total loans | $1,004,350,000 | 555 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 3,345 |
| Cost of funding earning assets | 0.2910% | 4,485 |
| Net interest margin | 3.8396% | 2,422 |
| Noninterest income to average assets | 1.0635% | 854 |
| Noninterest expense to average assets | 2.8729% | 2,428 |
| Loan and lease loss provision to assets | 0.1593% | 1,174 |
| Net operating income to assets | 1.1785% | 2,287 |
| Return on assets (ROA) | 1.1797% | 2,280 |
| Pretax return on assets | 1.5462% | 1,664 |
| Return on Equity (ROE) | 13.4329% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.4329% | 324 |
| Net charge-offs to loans | 0.0097% | 2,793 |
| Credit loss provision to net charge-offs | 2,125.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 227.3333% | 390 |
| Efficiency ratio | 62.2689% | 3,590 |
| Assets per employee ($millions) | 4.9580% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,935 |
| Loan loss allowance to noncurrent loans | 142.0610% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 1,999 |
| Noncurrent loans to loans | 0.9516% | 1,828 |
| Net loans and leases to total assets | 76.7761% | 1,512 |
| Net loans and leases to deposits | 85.3115% | 2,399 |
| Net loans and leases to core deposits | 87.3581% | 2,783 |
| Total domestic deposits to total assets | 89.9949% | 575 |
| Equity capital to assets | 9.1940% | 4,387 |
| Core capital (leverage) ratio | 9.1698% | 4,498 |
| Tier 1 risk-based capital ratio | 11.5906% | 4,750 |
| Total risk-based capital ratio | 12.8641% | 4,612 |
| Memoranda: | ||
| Average total assets | $1,280,814,670 | 610 |
| Average earning assets | $1,171,948,330 | 614 |
| Average equity | $112,485,330 | 754 |
| Average total loans | $992,979,670 | 563 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,417 |
| Cost of funding earning assets | 0.2715% | 4,569 |
| Net interest margin | 3.7786% | 2,507 |
| Noninterest income to average assets | 0.9628% | 996 |
| Noninterest expense to average assets | 2.8841% | 2,428 |
| Loan and lease loss provision to assets | 0.1407% | 1,340 |
| Net operating income to assets | 1.0657% | 2,583 |
| Return on assets (ROA) | 1.0682% | 2,582 |
| Pretax return on assets | 1.3965% | 2,018 |
| Return on Equity (ROE) | 12.4562% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.4562% | 604 |
| Net charge-offs to loans | 0.0158% | 2,205 |
| Credit loss provision to net charge-offs | 1,153.8462% | 308 |
| Earnings coverage of net charge-offs (x) | 125.7949% | 510 |
| Efficiency ratio | 64.8454% | 3,345 |
| Assets per employee ($millions) | 5.1460% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,244 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,264 |
| Noncurrent loans to loans | 0.9004% | 2,020 |
| Net loans and leases to total assets | 74.8829% | 1,730 |
| Net loans and leases to deposits | 82.8550% | 2,512 |
| Net loans and leases to core deposits | 84.7308% | 2,917 |
| Total domestic deposits to total assets | 90.3783% | 510 |
| Equity capital to assets | 8.4887% | 4,983 |
| Core capital (leverage) ratio | 9.0973% | 4,572 |
| Tier 1 risk-based capital ratio | 11.5718% | 4,827 |
| Total risk-based capital ratio | 12.8387% | 4,703 |
| Memoranda: | ||
| Average total assets | $1,279,158,500 | 618 |
| Average earning assets | $1,169,745,000 | 617 |
| Average equity | $109,696,500 | 777 |
| Average total loans | $989,763,500 | 566 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,546 |
| Cost of funding earning assets | 0.2591% | 4,488 |
| Net interest margin | 3.6973% | 2,808 |
| Noninterest income to average assets | 0.9137% | 1,229 |
| Noninterest expense to average assets | 3.0388% | 2,044 |
| Loan and lease loss provision to assets | 0.1857% | 1,147 |
| Net operating income to assets | 0.5824% | 4,089 |
| Return on assets (ROA) | 0.5949% | 4,074 |
| Pretax return on assets | 1.0583% | 3,352 |
| Return on Equity (ROE) | 6.8429% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.8429% | 1,143 |
| Net charge-offs to loans | 0.0468% | 2,847 |
| Credit loss provision to net charge-offs | 494.3439% | 634 |
| Earnings coverage of net charge-offs (x) | 32.5973% | 1,459 |
| Efficiency ratio | 70.9670% | 2,405 |
| Assets per employee ($millions) | 4.8866% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,350 |
| Loan loss allowance to noncurrent loans | 160.0255% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6288% | 2,446 |
| Noncurrent loans to loans | 0.7963% | 2,220 |
| Net loans and leases to total assets | 77.9564% | 1,294 |
| Net loans and leases to deposits | 86.8412% | 2,153 |
| Net loans and leases to core deposits | 88.6291% | 2,676 |
| Total domestic deposits to total assets | 89.7689% | 650 |
| Equity capital to assets | 8.6672% | 4,977 |
| Core capital (leverage) ratio | 9.1302% | 4,485 |
| Tier 1 risk-based capital ratio | 11.3304% | 4,962 |
| Total risk-based capital ratio | 12.6019% | 4,825 |
| Memoranda: | ||
| Average total assets | $1,176,743,600 | 639 |
| Average earning assets | $1,066,041,000 | 637 |
| Average equity | $102,310,200 | 804 |
| Average total loans | $943,647,800 | 565 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,619 |
| Cost of funding earning assets | 0.2525% | 4,546 |
| Net interest margin | 3.6691% | 2,870 |
| Noninterest income to average assets | 0.8922% | 1,296 |
| Noninterest expense to average assets | 3.0852% | 1,843 |
| Loan and lease loss provision to assets | 0.2035% | 931 |
| Net operating income to assets | 0.6165% | 4,326 |
| Return on assets (ROA) | 0.6246% | 4,346 |
| Pretax return on assets | 0.9388% | 3,905 |
| Return on Equity (ROE) | 7.1775% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.1775% | 1,596 |
| Net charge-offs to loans | 0.0513% | 2,409 |
| Credit loss provision to net charge-offs | 493.0362% | 654 |
| Earnings coverage of net charge-offs (x) | 27.3791% | 1,638 |
| Efficiency ratio | 73.0447% | 2,037 |
| Assets per employee ($millions) | 4.9298% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,578 |
| Loan loss allowance to noncurrent loans | 194.2703% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 3,090 |
| Noncurrent loans to loans | 0.6489% | 2,767 |
| Net loans and leases to total assets | 74.5951% | 1,821 |
| Net loans and leases to deposits | 82.1069% | 2,768 |
| Net loans and leases to core deposits | 83.7051% | 3,153 |
| Total domestic deposits to total assets | 90.8512% | 222 |
| Equity capital to assets | 8.3123% | 5,386 |
| Core capital (leverage) ratio | 9.1932% | 4,525 |
| Tier 1 risk-based capital ratio | 11.0267% | 5,232 |
| Total risk-based capital ratio | 12.2776% | 5,120 |
| Memoranda: | ||
| Average total assets | $1,159,409,000 | 645 |
| Average earning assets | $1,050,155,250 | 648 |
| Average equity | $100,887,500 | 814 |
| Average total loans | $933,575,000 | 569 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,528 |
| Cost of funding earning assets | 0.2521% | 4,523 |
| Net interest margin | 3.6559% | 2,814 |
| Noninterest income to average assets | 0.8825% | 1,321 |
| Noninterest expense to average assets | 3.1912% | 1,599 |
| Loan and lease loss provision to assets | 0.2208% | 799 |
| Net operating income to assets | 0.5338% | 4,595 |
| Return on assets (ROA) | 0.5464% | 4,576 |
| Pretax return on assets | 0.8126% | 4,225 |
| Return on Equity (ROE) | 6.1736% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.1736% | 2,028 |
| Net charge-offs to loans | 0.0456% | 2,300 |
| Credit loss provision to net charge-offs | 588.0952% | 585 |
| Earnings coverage of net charge-offs (x) | 27.0238% | 1,556 |
| Efficiency ratio | 75.7269% | 1,764 |
| Assets per employee ($millions) | 4.5185% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,678 |
| Loan loss allowance to noncurrent loans | 149.6771% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 2,472 |
| Noncurrent loans to loans | 0.8360% | 2,314 |
| Net loans and leases to total assets | 82.2441% | 634 |
| Net loans and leases to deposits | 91.9035% | 1,506 |
| Net loans and leases to core deposits | 93.7791% | 2,172 |
| Total domestic deposits to total assets | 89.4896% | 727 |
| Equity capital to assets | 9.1710% | 4,743 |
| Core capital (leverage) ratio | 9.6025% | 4,019 |
| Tier 1 risk-based capital ratio | 11.1789% | 5,158 |
| Total risk-based capital ratio | 12.4085% | 5,056 |
| Memoranda: | ||
| Average total assets | $1,118,633,330 | 667 |
| Average earning assets | $1,016,883,330 | 674 |
| Average equity | $99,002,670 | 836 |
| Average total loans | $921,994,000 | 580 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 3,766 |
| Cost of funding earning assets | 0.2401% | 4,635 |
| Net interest margin | 3.5588% | 3,047 |
| Noninterest income to average assets | 0.9186% | 1,189 |
| Noninterest expense to average assets | 3.1647% | 1,703 |
| Loan and lease loss provision to assets | 0.2503% | 601 |
| Net operating income to assets | 0.5016% | 4,585 |
| Return on assets (ROA) | 0.5070% | 4,598 |
| Pretax return on assets | 0.7508% | 4,286 |
| Return on Equity (ROE) | 5.8364% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.8364% | 2,419 |
| Net charge-offs to loans | 0.0887% | 1,457 |
| Credit loss provision to net charge-offs | 344.0594% | 721 |
| Earnings coverage of net charge-offs (x) | 13.6535% | 1,769 |
| Efficiency ratio | 75.9591% | 1,913 |
| Assets per employee ($millions) | 4.6166% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,038 |
| Loan loss allowance to noncurrent loans | 150.2862% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 2,620 |
| Noncurrent loans to loans | 0.8089% | 2,430 |
| Net loans and leases to total assets | 81.7664% | 595 |
| Net loans and leases to deposits | 92.4047% | 1,282 |
| Net loans and leases to core deposits | 94.2989% | 1,957 |
| Total domestic deposits to total assets | 88.4873% | 1,430 |
| Equity capital to assets | 8.6742% | 5,094 |
| Core capital (leverage) ratio | 9.6382% | 3,944 |
| Tier 1 risk-based capital ratio | 10.8295% | 5,393 |
| Total risk-based capital ratio | 11.9860% | 5,360 |
| Memoranda: | ||
| Average total assets | $1,110,880,500 | 673 |
| Average earning assets | $1,011,114,500 | 682 |
| Average equity | $96,498,000 | 857 |
| Average total loans | $910,700,000 | 590 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 4,198 |
| Cost of funding earning assets | 0.2182% | 4,850 |
| Net interest margin | 3.4844% | 3,494 |
| Noninterest income to average assets | 0.8896% | 1,446 |
| Noninterest expense to average assets | 3.2170% | 1,747 |
| Loan and lease loss provision to assets | 0.1742% | 1,383 |
| Net operating income to assets | 0.4554% | 4,780 |
| Return on assets (ROA) | 0.4898% | 4,748 |
| Pretax return on assets | 0.7166% | 4,438 |
| Return on Equity (ROE) | 5.2439% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.2439% | 2,169 |
| Net charge-offs to loans | 0.0433% | 3,169 |
| Credit loss provision to net charge-offs | 507.1225% | 651 |
| Earnings coverage of net charge-offs (x) | 24.4587% | 1,636 |
| Efficiency ratio | 79.2193% | 1,523 |
| Assets per employee ($millions) | 4.2632% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,067 |
| Loan loss allowance to noncurrent loans | 132.5516% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 2,513 |
| Noncurrent loans to loans | 0.9122% | 2,271 |
| Net loans and leases to total assets | 80.1901% | 871 |
| Net loans and leases to deposits | 93.6648% | 1,230 |
| Net loans and leases to core deposits | 95.5391% | 1,964 |
| Total domestic deposits to total assets | 85.6139% | 2,772 |
| Equity capital to assets | 8.6993% | 5,104 |
| Core capital (leverage) ratio | 9.8037% | 3,744 |
| Tier 1 risk-based capital ratio | 11.1467% | 5,257 |
| Total risk-based capital ratio | 12.2942% | 5,208 |
| Memoranda: | ||
| Average total assets | $1,021,675,600 | 705 |
| Average earning assets | $928,802,800 | 712 |
| Average equity | $95,425,400 | 839 |
| Average total loans | $810,678,200 | 622 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,276 |
| Cost of funding earning assets | 0.2073% | 4,996 |
| Net interest margin | 3.4846% | 3,527 |
| Noninterest income to average assets | 0.8378% | 1,615 |
| Noninterest expense to average assets | 3.1820% | 1,823 |
| Loan and lease loss provision to assets | 0.1317% | 1,782 |
| Net operating income to assets | 0.4759% | 4,780 |
| Return on assets (ROA) | 0.4867% | 4,834 |
| Pretax return on assets | 0.7093% | 4,585 |
| Return on Equity (ROE) | 5.1145% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.1145% | 2,747 |
| Net charge-offs to loans | 0.0346% | 2,938 |
| Credit loss provision to net charge-offs | 482.9268% | 732 |
| Earnings coverage of net charge-offs (x) | 30.2581% | 1,482 |
| Efficiency ratio | 79.3685% | 1,515 |
| Assets per employee ($millions) | 4.5087% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,124 |
| Loan loss allowance to noncurrent loans | 156.8206% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 3,113 |
| Noncurrent loans to loans | 0.7774% | 2,731 |
| Net loans and leases to total assets | 76.0048% | 1,521 |
| Net loans and leases to deposits | 85.2789% | 2,338 |
| Net loans and leases to core deposits | 86.8931% | 2,861 |
| Total domestic deposits to total assets | 89.1250% | 837 |
| Equity capital to assets | 8.7580% | 5,355 |
| Core capital (leverage) ratio | 10.2232% | 3,311 |
| Tier 1 risk-based capital ratio | 11.7234% | 4,970 |
| Total risk-based capital ratio | 12.8853% | 4,925 |
| Memoranda: | ||
| Average total assets | $1,002,115,250 | 721 |
| Average earning assets | $911,501,250 | 729 |
| Average equity | $95,360,500 | 838 |
| Average total loans | $790,142,750 | 635 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7327% | 4,180 |
| Cost of funding earning assets | 0.2014% | 5,122 |
| Net interest margin | 3.5312% | 3,365 |
| Noninterest income to average assets | 0.7514% | 1,928 |
| Noninterest expense to average assets | 3.1479% | 1,935 |
| Loan and lease loss provision to assets | 0.1271% | 1,791 |
| Net operating income to assets | 0.4836% | 4,747 |
| Return on assets (ROA) | 0.4980% | 4,792 |
| Pretax return on assets | 0.7217% | 4,551 |
| Return on Equity (ROE) | 5.0839% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.0839% | 2,672 |
| Net charge-offs to loans | 0.0495% | 2,496 |
| Credit loss provision to net charge-offs | 322.9167% | 912 |
| Earnings coverage of net charge-offs (x) | 21.0313% | 1,703 |
| Efficiency ratio | 79.1759% | 1,613 |
| Assets per employee ($millions) | 4.6322% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 3,214 |
| Loan loss allowance to noncurrent loans | 155.4603% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,105 |
| Noncurrent loans to loans | 0.7887% | 2,779 |
| Net loans and leases to total assets | 79.2244% | 1,031 |
| Net loans and leases to deposits | 90.7930% | 1,653 |
| Net loans and leases to core deposits | 92.9078% | 2,268 |
| Total domestic deposits to total assets | 87.2583% | 1,775 |
| Equity capital to assets | 9.3994% | 4,866 |
| Core capital (leverage) ratio | 10.8650% | 2,577 |
| Tier 1 risk-based capital ratio | 12.9105% | 4,252 |
| Total risk-based capital ratio | 14.0985% | 4,200 |
| Memoranda: | ||
| Average total assets | $975,455,330 | 743 |
| Average earning assets | $890,677,670 | 745 |
| Average equity | $95,557,330 | 831 |
| Average total loans | $775,992,000 | 645 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,339 |
| Cost of funding earning assets | 0.1913% | 5,272 |
| Net interest margin | 3.5051% | 3,460 |
| Noninterest income to average assets | 0.7571% | 1,789 |
| Noninterest expense to average assets | 3.1885% | 1,861 |
| Loan and lease loss provision to assets | 0.1285% | 1,657 |
| Net operating income to assets | 0.4513% | 4,827 |
| Return on assets (ROA) | 0.4596% | 4,870 |
| Pretax return on assets | 0.6635% | 4,641 |
| Return on Equity (ROE) | 4.5954% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.5954% | 3,177 |
| Net charge-offs to loans | 0.0052% | 2,936 |
| Credit loss provision to net charge-offs | 3,100.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 188.2000% | 320 |
| Efficiency ratio | 80.3467% | 1,565 |
| Assets per employee ($millions) | 4.7738% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,274 |
| Loan loss allowance to noncurrent loans | 157.5807% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 3,224 |
| Noncurrent loans to loans | 0.7849% | 2,877 |
| Net loans and leases to total assets | 77.3645% | 1,199 |
| Net loans and leases to deposits | 89.6629% | 1,615 |
| Net loans and leases to core deposits | 91.3818% | 2,244 |
| Total domestic deposits to total assets | 86.2837% | 2,547 |
| Equity capital to assets | 9.7381% | 4,412 |
| Core capital (leverage) ratio | 11.0149% | 2,396 |
| Tier 1 risk-based capital ratio | 13.1126% | 4,189 |
| Total risk-based capital ratio | 14.3106% | 4,143 |
| Memoranda: | ||
| Average total assets | $965,224,000 | 750 |
| Average earning assets | $884,316,000 | 750 |
| Average equity | $96,531,000 | 819 |
| Average total loans | $764,586,000 | 653 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,460 |
| Cost of funding earning assets | 0.1730% | 5,515 |
| Net interest margin | 3.4960% | 3,539 |
| Noninterest income to average assets | 0.8966% | 1,450 |
| Noninterest expense to average assets | 3.2727% | 1,781 |
| Loan and lease loss provision to assets | 0.1212% | 1,979 |
| Net operating income to assets | 0.4766% | 4,783 |
| Return on assets (ROA) | 0.4969% | 4,797 |
| Pretax return on assets | 0.7258% | 4,449 |
| Return on Equity (ROE) | 4.6723% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.6723% | 2,661 |
| Net charge-offs to loans | 0.1358% | 1,999 |
| Credit loss provision to net charge-offs | 113.8947% | 2,233 |
| Earnings coverage of net charge-offs (x) | 7.6811% | 3,050 |
| Efficiency ratio | 80.0203% | 1,671 |
| Assets per employee ($millions) | 4.0553% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 3,154 |
| Loan loss allowance to noncurrent loans | 159.9658% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 3,166 |
| Noncurrent loans to loans | 0.7831% | 2,826 |
| Net loans and leases to total assets | 79.1506% | 969 |
| Net loans and leases to deposits | 93.7436% | 1,222 |
| Net loans and leases to core deposits | 95.1187% | 1,929 |
| Total domestic deposits to total assets | 84.4330% | 3,317 |
| Equity capital to assets | 10.2820% | 3,645 |
| Core capital (leverage) ratio | 11.3360% | 2,096 |
| Tier 1 risk-based capital ratio | 13.6089% | 3,943 |
| Total risk-based capital ratio | 14.8247% | 3,897 |
| Memoranda: | ||
| Average total assets | $893,000,200 | 773 |
| Average earning assets | $815,647,600 | 764 |
| Average equity | $94,963,000 | 802 |
| Average total loans | $699,501,800 | 662 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,589 |
| Cost of funding earning assets | 0.1688% | 5,645 |
| Net interest margin | 3.4757% | 3,640 |
| Noninterest income to average assets | 0.8328% | 1,680 |
| Noninterest expense to average assets | 3.2756% | 1,763 |
| Loan and lease loss provision to assets | 0.1166% | 1,944 |
| Net operating income to assets | 0.4208% | 5,081 |
| Return on assets (ROA) | 0.4447% | 5,081 |
| Pretax return on assets | 0.6461% | 4,839 |
| Return on Equity (ROE) | 4.1451% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.1451% | 3,517 |
| Net charge-offs to loans | 0.1592% | 1,551 |
| Credit loss provision to net charge-offs | 94.0317% | 2,410 |
| Earnings coverage of net charge-offs (x) | 5.8733% | 3,140 |
| Efficiency ratio | 81.8154% | 1,419 |
| Assets per employee ($millions) | 4.2102% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 3,280 |
| Loan loss allowance to noncurrent loans | 145.2863% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 3,104 |
| Noncurrent loans to loans | 0.8708% | 2,806 |
| Net loans and leases to total assets | 75.3334% | 1,485 |
| Net loans and leases to deposits | 86.8028% | 2,053 |
| Net loans and leases to core deposits | 87.6954% | 2,684 |
| Total domestic deposits to total assets | 86.7869% | 2,147 |
| Equity capital to assets | 9.9440% | 4,233 |
| Core capital (leverage) ratio | 11.5518% | 1,999 |
| Tier 1 risk-based capital ratio | 13.7411% | 3,998 |
| Total risk-based capital ratio | 14.9698% | 3,945 |
| Memoranda: | ||
| Average total assets | $883,069,000 | 788 |
| Average earning assets | $805,615,250 | 781 |
| Average equity | $94,728,000 | 811 |
| Average total loans | $687,471,500 | 675 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,514 |
| Cost of funding earning assets | 0.1680% | 5,714 |
| Net interest margin | 3.5005% | 3,492 |
| Noninterest income to average assets | 0.8337% | 1,657 |
| Noninterest expense to average assets | 3.3262% | 1,635 |
| Loan and lease loss provision to assets | 0.1214% | 1,825 |
| Net operating income to assets | 0.3979% | 5,141 |
| Return on assets (ROA) | 0.4345% | 5,121 |
| Pretax return on assets | 0.6312% | 4,891 |
| Return on Equity (ROE) | 3.9445% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.9445% | 3,499 |
| Net charge-offs to loans | 0.2209% | 1,158 |
| Credit loss provision to net charge-offs | 70.0671% | 2,464 |
| Earnings coverage of net charge-offs (x) | 4.0389% | 3,097 |
| Efficiency ratio | 82.6230% | 1,420 |
| Assets per employee ($millions) | 3.8317% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 3,201 |
| Loan loss allowance to noncurrent loans | 143.9227% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 3,067 |
| Noncurrent loans to loans | 0.9089% | 2,852 |
| Net loans and leases to total assets | 77.1440% | 1,192 |
| Net loans and leases to deposits | 87.8520% | 1,855 |
| Net loans and leases to core deposits | 88.9460% | 2,460 |
| Total domestic deposits to total assets | 87.8113% | 1,748 |
| Equity capital to assets | 10.6231% | 3,298 |
| Core capital (leverage) ratio | 11.7897% | 1,781 |
| Tier 1 risk-based capital ratio | 14.3750% | 3,710 |
| Total risk-based capital ratio | 15.6528% | 3,611 |
| Memoranda: | ||
| Average total assets | $860,258,000 | 810 |
| Average earning assets | $784,454,670 | 819 |
| Average equity | $94,765,000 | 817 |
| Average total loans | $674,634,000 | 692 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 4,339 |
| Cost of funding earning assets | 0.1663% | 5,803 |
| Net interest margin | 3.5407% | 3,259 |
| Noninterest income to average assets | 0.7663% | 1,839 |
| Noninterest expense to average assets | 3.3398% | 1,620 |
| Loan and lease loss provision to assets | 0.1130% | 1,828 |
| Net operating income to assets | 0.3554% | 5,237 |
| Return on assets (ROA) | 0.4185% | 5,123 |
| Pretax return on assets | 0.6355% | 4,808 |
| Return on Equity (ROE) | 3.7299% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.7299% | 3,774 |
| Net charge-offs to loans | 0.3482% | 701 |
| Credit loss provision to net charge-offs | 41.3081% | 2,179 |
| Earnings coverage of net charge-offs (x) | 2.3873% | 2,767 |
| Efficiency ratio | 83.6477% | 1,417 |
| Assets per employee ($millions) | 3.9045% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 3,284 |
| Loan loss allowance to noncurrent loans | 159.7736% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 3,422 |
| Noncurrent loans to loans | 0.8287% | 3,171 |
| Net loans and leases to total assets | 75.4451% | 1,284 |
| Net loans and leases to deposits | 87.1415% | 1,714 |
| Net loans and leases to core deposits | 88.1274% | 2,317 |
| Total domestic deposits to total assets | 86.5777% | 2,620 |
| Equity capital to assets | 10.9123% | 3,074 |
| Core capital (leverage) ratio | 11.8708% | 1,723 |
| Tier 1 risk-based capital ratio | 14.5130% | 3,714 |
| Total risk-based capital ratio | 15.8014% | 3,620 |
| Memoranda: | ||
| Average total assets | $849,745,000 | 823 |
| Average earning assets | $774,306,000 | 832 |
| Average equity | $95,337,500 | 811 |
| Average total loans | $667,516,500 | 698 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 3,833 |
| Cost of funding earning assets | 0.2377% | 5,449 |
| Net interest margin | 3.7338% | 2,862 |
| Noninterest income to average assets | 0.8812% | 1,563 |
| Noninterest expense to average assets | 3.3383% | 1,828 |
| Loan and lease loss provision to assets | 0.1068% | 2,370 |
| Net operating income to assets | 0.5448% | 4,617 |
| Return on assets (ROA) | 0.5616% | 4,641 |
| Pretax return on assets | 0.8487% | 4,082 |
| Return on Equity (ROE) | 4.7801% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.7801% | 2,775 |
| Net charge-offs to loans | 0.0861% | 3,263 |
| Credit loss provision to net charge-offs | 153.0055% | 1,585 |
| Earnings coverage of net charge-offs (x) | 13.3260% | 2,276 |
| Efficiency ratio | 78.2093% | 2,181 |
| Assets per employee ($millions) | 3.7659% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 2,985 |
| Loan loss allowance to noncurrent loans | 137.4926% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 3,031 |
| Noncurrent loans to loans | 1.0124% | 2,803 |
| Net loans and leases to total assets | 79.6748% | 781 |
| Net loans and leases to deposits | 93.5639% | 1,124 |
| Net loans and leases to core deposits | 94.7165% | 1,846 |
| Total domestic deposits to total assets | 85.1554% | 3,229 |
| Equity capital to assets | 11.5484% | 2,389 |
| Core capital (leverage) ratio | 12.6515% | 1,278 |
| Tier 1 risk-based capital ratio | 14.6315% | 3,706 |
| Total risk-based capital ratio | 15.9274% | 3,602 |
| Memoranda: | ||
| Average total assets | $786,568,600 | 862 |
| Average earning assets | $713,568,000 | 862 |
| Average equity | $92,403,000 | 801 |
| Average total loans | $637,978,200 | 687 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 3,804 |
| Cost of funding earning assets | 0.2334% | 5,566 |
| Net interest margin | 3.7548% | 2,791 |
| Noninterest income to average assets | 0.8670% | 1,638 |
| Noninterest expense to average assets | 3.3915% | 1,695 |
| Loan and lease loss provision to assets | 0.0960% | 2,443 |
| Net operating income to assets | 0.5233% | 4,783 |
| Return on assets (ROA) | 0.5393% | 4,784 |
| Pretax return on assets | 0.8137% | 4,318 |
| Return on Equity (ROE) | 4.5706% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.5706% | 3,392 |
| Net charge-offs to loans | 0.0561% | 3,416 |
| Credit loss provision to net charge-offs | 210.5263% | 1,223 |
| Earnings coverage of net charge-offs (x) | 19.4209% | 1,784 |
| Efficiency ratio | 79.2987% | 2,011 |
| Assets per employee ($millions) | 3.5994% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,071 |
| Loan loss allowance to noncurrent loans | 143.4762% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 3,248 |
| Noncurrent loans to loans | 0.9911% | 3,092 |
| Net loans and leases to total assets | 80.8662% | 629 |
| Net loans and leases to deposits | 93.0519% | 1,126 |
| Net loans and leases to core deposits | 94.2750% | 1,833 |
| Total domestic deposits to total assets | 86.9044% | 2,371 |
| Equity capital to assets | 11.8979% | 2,155 |
| Core capital (leverage) ratio | 12.7139% | 1,296 |
| Tier 1 risk-based capital ratio | 14.8217% | 3,693 |
| Total risk-based capital ratio | 16.1856% | 3,556 |
| Memoranda: | ||
| Average total assets | $777,967,250 | 875 |
| Average earning assets | $706,486,500 | 872 |
| Average equity | $91,801,500 | 809 |
| Average total loans | $631,637,000 | 688 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 3,748 |
| Cost of funding earning assets | 0.2297% | 5,665 |
| Net interest margin | 3.7642% | 2,699 |
| Noninterest income to average assets | 0.8493% | 1,665 |
| Noninterest expense to average assets | 3.4549% | 1,565 |
| Loan and lease loss provision to assets | 0.1034% | 2,294 |
| Net operating income to assets | 0.4720% | 4,925 |
| Return on assets (ROA) | 0.4929% | 4,914 |
| Pretax return on assets | 0.7378% | 4,504 |
| Return on Equity (ROE) | 4.1892% | 5,066 |
| Retained earnings to average equity (ytd only) | 4.1892% | 3,501 |
| Net charge-offs to loans | 0.0767% | 2,924 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 13.0500% | 2,005 |
| Efficiency ratio | 81.0078% | 1,876 |
| Assets per employee ($millions) | 3.4647% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 3,219 |
| Loan loss allowance to noncurrent loans | 154.3143% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 3,591 |
| Noncurrent loans to loans | 0.9234% | 3,411 |
| Net loans and leases to total assets | 79.7149% | 722 |
| Net loans and leases to deposits | 91.5625% | 1,207 |
| Net loans and leases to core deposits | 92.5734% | 1,897 |
| Total domestic deposits to total assets | 87.0606% | 2,423 |
| Equity capital to assets | 11.7929% | 2,165 |
| Core capital (leverage) ratio | 12.6244% | 1,329 |
| Tier 1 risk-based capital ratio | 14.8492% | 3,719 |
| Total risk-based capital ratio | 16.2347% | 3,591 |
| Memoranda: | ||
| Average total assets | $773,332,670 | 877 |
| Average earning assets | $701,716,330 | 877 |
| Average equity | $90,996,670 | 807 |
| Average total loans | $625,651,670 | 687 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,569 |
| Cost of funding earning assets | 0.2230% | 5,818 |
| Net interest margin | 3.8068% | 2,445 |
| Noninterest income to average assets | 0.8444% | 1,587 |
| Noninterest expense to average assets | 3.4111% | 1,671 |
| Loan and lease loss provision to assets | 0.1255% | 1,931 |
| Net operating income to assets | 0.5061% | 4,661 |
| Return on assets (ROA) | 0.5061% | 4,745 |
| Pretax return on assets | 0.7618% | 4,264 |
| Return on Equity (ROE) | 4.3062% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.3062% | 3,544 |
| Net charge-offs to loans | 0.0607% | 2,552 |
| Credit loss provision to net charge-offs | 255.3191% | 895 |
| Earnings coverage of net charge-offs (x) | 18.0532% | 1,434 |
| Efficiency ratio | 79.3577% | 2,290 |
| Assets per employee ($millions) | 3.4938% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 3,313 |
| Loan loss allowance to noncurrent loans | 162.5648% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 3,813 |
| Noncurrent loans to loans | 0.9006% | 3,631 |
| Net loans and leases to total assets | 78.5145% | 706 |
| Net loans and leases to deposits | 89.7309% | 1,184 |
| Net loans and leases to core deposits | 90.6766% | 1,856 |
| Total domestic deposits to total assets | 87.5000% | 2,509 |
| Equity capital to assets | 11.6469% | 2,138 |
| Core capital (leverage) ratio | 12.9328% | 1,191 |
| Tier 1 risk-based capital ratio | 15.2233% | 3,598 |
| Total risk-based capital ratio | 16.6133% | 3,468 |
| Memoranda: | ||
| Average total assets | $765,022,500 | 887 |
| Average earning assets | $694,130,500 | 890 |
| Average equity | $89,916,000 | 818 |
| Average total loans | $619,071,000 | 695 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 3,716 |
| Cost of funding earning assets | 0.2679% | 5,848 |
| Net interest margin | 3.8382% | 2,508 |
| Noninterest income to average assets | 1.0321% | 1,324 |
| Noninterest expense to average assets | 3.5762% | 1,491 |
| Loan and lease loss provision to assets | 0.1598% | 2,284 |
| Net operating income to assets | 0.5451% | 4,529 |
| Return on assets (ROA) | 0.5606% | 4,571 |
| Pretax return on assets | 0.7795% | 4,228 |
| Return on Equity (ROE) | 4.9436% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.9436% | 2,634 |
| Net charge-offs to loans | 0.0327% | 4,778 |
| Credit loss provision to net charge-offs | 615.3846% | 382 |
| Earnings coverage of net charge-offs (x) | 35.3487% | 1,052 |
| Efficiency ratio | 79.5799% | 2,223 |
| Assets per employee ($millions) | 3.2229% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 3,422 |
| Loan loss allowance to noncurrent loans | 174.6680% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 3,807 |
| Noncurrent loans to loans | 0.8294% | 3,909 |
| Net loans and leases to total assets | 81.0184% | 493 |
| Net loans and leases to deposits | 93.4055% | 920 |
| Net loans and leases to core deposits | 94.4352% | 1,566 |
| Total domestic deposits to total assets | 86.7384% | 2,860 |
| Equity capital to assets | 11.8639% | 1,897 |
| Core capital (leverage) ratio | 12.8801% | 1,187 |
| Tier 1 risk-based capital ratio | 15.1338% | 3,589 |
| Total risk-based capital ratio | 16.4973% | 3,464 |
| Memoranda: | ||
| Average total assets | $751,160,400 | 888 |
| Average earning assets | $677,471,600 | 894 |
| Average equity | $85,180,600 | 838 |
| Average total loans | $595,928,400 | 700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,784 |
| Cost of funding earning assets | 0.2777% | 5,905 |
| Net interest margin | 3.8171% | 2,584 |
| Noninterest income to average assets | 1.0046% | 1,439 |
| Noninterest expense to average assets | 3.5250% | 1,554 |
| Loan and lease loss provision to assets | 0.1775% | 2,050 |
| Net operating income to assets | 0.4958% | 4,811 |
| Return on assets (ROA) | 0.4961% | 4,976 |
| Pretax return on assets | 0.7422% | 4,520 |
| Return on Equity (ROE) | 4.4257% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.4257% | 3,525 |
| Net charge-offs to loans | 0.0397% | 4,352 |
| Credit loss provision to net charge-offs | 568.1818% | 492 |
| Earnings coverage of net charge-offs (x) | 29.4319% | 1,251 |
| Efficiency ratio | 79.3139% | 2,217 |
| Assets per employee ($millions) | 3.2238% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 3,750 |
| Loan loss allowance to noncurrent loans | 153.5039% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 3,818 |
| Noncurrent loans to loans | 0.9359% | 3,944 |
| Net loans and leases to total assets | 79.3460% | 618 |
| Net loans and leases to deposits | 90.9876% | 1,066 |
| Net loans and leases to core deposits | 91.9982% | 1,765 |
| Total domestic deposits to total assets | 87.2053% | 2,568 |
| Equity capital to assets | 11.5252% | 2,285 |
| Core capital (leverage) ratio | 12.4068% | 1,465 |
| Tier 1 risk-based capital ratio | 14.7489% | 3,916 |
| Total risk-based capital ratio | 16.0699% | 3,822 |
| Memoranda: | ||
| Average total assets | $751,217,000 | 896 |
| Average earning assets | $676,972,000 | 896 |
| Average equity | $84,203,250 | 850 |
| Average total loans | $590,576,000 | 708 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 3,742 |
| Cost of funding earning assets | 0.2856% | 5,938 |
| Net interest margin | 3.8122% | 2,506 |
| Noninterest income to average assets | 1.0135% | 1,497 |
| Noninterest expense to average assets | 3.5542% | 1,497 |
| Loan and lease loss provision to assets | 0.1896% | 1,993 |
| Net operating income to assets | 0.4696% | 4,926 |
| Return on assets (ROA) | 0.4696% | 5,107 |
| Pretax return on assets | 0.7057% | 4,668 |
| Return on Equity (ROE) | 4.2301% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.2301% | 3,602 |
| Net charge-offs to loans | 0.0205% | 4,429 |
| Credit loss provision to net charge-offs | 1,183.3333% | 264 |
| Earnings coverage of net charge-offs (x) | 55.8833% | 740 |
| Efficiency ratio | 79.8800% | 2,173 |
| Assets per employee ($millions) | 3.1990% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 3,924 |
| Loan loss allowance to noncurrent loans | 71.6144% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 2,296 |
| Noncurrent loans to loans | 1.9896% | 2,411 |
| Net loans and leases to total assets | 79.0315% | 633 |
| Net loans and leases to deposits | 90.3768% | 1,108 |
| Net loans and leases to core deposits | 91.3999% | 1,772 |
| Total domestic deposits to total assets | 87.4467% | 2,565 |
| Equity capital to assets | 11.4863% | 2,307 |
| Core capital (leverage) ratio | 12.4322% | 1,398 |
| Tier 1 risk-based capital ratio | 14.7600% | 3,932 |
| Total risk-based capital ratio | 16.0116% | 3,898 |
| Memoranda: | ||
| Average total assets | $749,088,330 | 896 |
| Average earning assets | $675,140,330 | 900 |
| Average equity | $83,166,000 | 863 |
| Average total loans | $584,138,000 | 714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,599 |
| Cost of funding earning assets | 0.2959% | 5,999 |
| Net interest margin | 3.8336% | 2,337 |
| Noninterest income to average assets | 1.1394% | 1,153 |
| Noninterest expense to average assets | 3.5049% | 1,609 |
| Loan and lease loss provision to assets | 0.2193% | 1,691 |
| Net operating income to assets | 0.5579% | 4,420 |
| Return on assets (ROA) | 0.5579% | 4,578 |
| Pretax return on assets | 0.8602% | 3,914 |
| Return on Equity (ROE) | 5.1144% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.1144% | 3,164 |
| Net charge-offs to loans | 0.0223% | 3,728 |
| Credit loss provision to net charge-offs | 1,281.2500% | 251 |
| Earnings coverage of net charge-offs (x) | 63.0625% | 567 |
| Efficiency ratio | 76.4527% | 2,852 |
| Assets per employee ($millions) | 3.1067% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,082 |
| Loan loss allowance to noncurrent loans | 66.1628% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9099% | 2,463 |
| Noncurrent loans to loans | 2.1632% | 2,430 |
| Net loans and leases to total assets | 77.4597% | 670 |
| Net loans and leases to deposits | 88.8137% | 1,068 |
| Net loans and leases to core deposits | 89.8148% | 1,716 |
| Total domestic deposits to total assets | 87.2159% | 2,820 |
| Equity capital to assets | 11.1388% | 2,801 |
| Core capital (leverage) ratio | 12.5557% | 1,312 |
| Tier 1 risk-based capital ratio | 15.3861% | 3,601 |
| Total risk-based capital ratio | 16.6377% | 3,555 |
| Memoranda: | ||
| Average total assets | $747,747,000 | 903 |
| Average earning assets | $671,947,500 | 904 |
| Average equity | $81,573,500 | 895 |
| Average total loans | $574,845,000 | 729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 4,747 |
| Cost of funding earning assets | 0.4335% | 5,695 |
| Net interest margin | 3.7232% | 3,550 |
| Noninterest income to average assets | 0.9240% | 1,789 |
| Noninterest expense to average assets | 3.3472% | 2,196 |
| Loan and lease loss provision to assets | 0.2259% | 2,868 |
| Net operating income to assets | 0.4759% | 4,775 |
| Return on assets (ROA) | 0.4690% | 5,060 |
| Pretax return on assets | 0.6912% | 4,695 |
| Return on Equity (ROE) | 4.4161% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.4161% | 3,123 |
| Net charge-offs to loans | 0.2655% | 3,350 |
| Credit loss provision to net charge-offs | 115.6440% | 2,501 |
| Earnings coverage of net charge-offs (x) | 4.7465% | 3,269 |
| Efficiency ratio | 78.3062% | 2,392 |
| Assets per employee ($millions) | 3.1903% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,191 |
| Loan loss allowance to noncurrent loans | 68.2428% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.7670% | 2,754 |
| Noncurrent loans to loans | 2.0456% | 2,650 |
| Net loans and leases to total assets | 74.1574% | 1,172 |
| Net loans and leases to deposits | 85.0122% | 1,637 |
| Net loans and leases to core deposits | 86.0275% | 2,310 |
| Total domestic deposits to total assets | 87.2314% | 2,686 |
| Equity capital to assets | 10.6847% | 3,304 |
| Core capital (leverage) ratio | 12.0231% | 1,550 |
| Tier 1 risk-based capital ratio | 15.0420% | 3,695 |
| Total risk-based capital ratio | 16.2931% | 3,644 |
| Memoranda: | ||
| Average total assets | $759,092,400 | 878 |
| Average earning assets | $683,089,400 | 883 |
| Average equity | $80,614,200 | 868 |
| Average total loans | $558,501,000 | 745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 4,904 |
| Cost of funding earning assets | 0.4619% | 5,708 |
| Net interest margin | 3.7137% | 3,734 |
| Noninterest income to average assets | 0.9228% | 1,755 |
| Noninterest expense to average assets | 3.3273% | 2,194 |
| Loan and lease loss provision to assets | 0.2234% | 2,826 |
| Net operating income to assets | 0.4880% | 4,888 |
| Return on assets (ROA) | 0.4789% | 5,186 |
| Pretax return on assets | 0.7050% | 4,846 |
| Return on Equity (ROE) | 4.5160% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.5160% | 3,720 |
| Net charge-offs to loans | 0.1504% | 3,908 |
| Credit loss provision to net charge-offs | 203.0303% | 1,360 |
| Earnings coverage of net charge-offs (x) | 8.5614% | 2,427 |
| Efficiency ratio | 77.9367% | 2,409 |
| Assets per employee ($millions) | 3.1857% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 4,031 |
| Loan loss allowance to noncurrent loans | 64.2758% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 2,833 |
| Noncurrent loans to loans | 2.3024% | 2,504 |
| Net loans and leases to total assets | 73.9573% | 1,253 |
| Net loans and leases to deposits | 84.7403% | 1,769 |
| Net loans and leases to core deposits | 85.5965% | 2,515 |
| Total domestic deposits to total assets | 87.2752% | 2,512 |
| Equity capital to assets | 10.5953% | 3,737 |
| Core capital (leverage) ratio | 11.7269% | 1,827 |
| Tier 1 risk-based capital ratio | 15.1377% | 3,746 |
| Total risk-based capital ratio | 16.3899% | 3,699 |
| Memoranda: | ||
| Average total assets | $759,840,750 | 884 |
| Average earning assets | $684,693,500 | 892 |
| Average equity | $80,571,000 | 870 |
| Average total loans | $555,966,000 | 752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 4,917 |
| Cost of funding earning assets | 0.4880% | 5,697 |
| Net interest margin | 3.7215% | 3,719 |
| Noninterest income to average assets | 0.9251% | 1,687 |
| Noninterest expense to average assets | 3.2815% | 2,357 |
| Loan and lease loss provision to assets | 0.2468% | 2,592 |
| Net operating income to assets | 0.5116% | 4,767 |
| Return on assets (ROA) | 0.4978% | 5,082 |
| Pretax return on assets | 0.7328% | 4,734 |
| Return on Equity (ROE) | 4.6936% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.6936% | 3,489 |
| Net charge-offs to loans | 0.2043% | 3,346 |
| Credit loss provision to net charge-offs | 166.5487% | 1,684 |
| Earnings coverage of net charge-offs (x) | 6.7469% | 2,584 |
| Efficiency ratio | 76.6464% | 2,647 |
| Assets per employee ($millions) | 3.2266% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,351 |
| Loan loss allowance to noncurrent loans | 68.2198% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.6897% | 3,186 |
| Noncurrent loans to loans | 2.0940% | 2,830 |
| Net loans and leases to total assets | 73.2353% | 1,363 |
| Net loans and leases to deposits | 83.9170% | 1,860 |
| Net loans and leases to core deposits | 84.6711% | 2,606 |
| Total domestic deposits to total assets | 87.2711% | 2,614 |
| Equity capital to assets | 10.3083% | 3,927 |
| Core capital (leverage) ratio | 11.5169% | 1,894 |
| Tier 1 risk-based capital ratio | 14.7382% | 3,941 |
| Total risk-based capital ratio | 15.9897% | 3,900 |
| Memoranda: | ||
| Average total assets | $762,516,330 | 875 |
| Average earning assets | $687,685,670 | 883 |
| Average equity | $80,875,670 | 859 |
| Average total loans | $553,163,670 | 760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 4,977 |
| Cost of funding earning assets | 0.5202% | 5,678 |
| Net interest margin | 3.7157% | 3,761 |
| Noninterest income to average assets | 0.8498% | 1,947 |
| Noninterest expense to average assets | 3.2413% | 2,469 |
| Loan and lease loss provision to assets | 0.2139% | 2,813 |
| Net operating income to assets | 0.5106% | 4,782 |
| Return on assets (ROA) | 0.5106% | 4,996 |
| Pretax return on assets | 0.7496% | 4,608 |
| Return on Equity (ROE) | 4.7474% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.7474% | 3,713 |
| Net charge-offs to loans | 0.0629% | 3,867 |
| Credit loss provision to net charge-offs | 474.4186% | 676 |
| Earnings coverage of net charge-offs (x) | 21.3721% | 1,154 |
| Efficiency ratio | 77.0852% | 2,636 |
| Assets per employee ($millions) | 3.2404% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,296 |
| Loan loss allowance to noncurrent loans | 141.8876% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 4,826 |
| Noncurrent loans to loans | 1.0353% | 4,620 |
| Net loans and leases to total assets | 71.0184% | 1,569 |
| Net loans and leases to deposits | 81.3788% | 2,009 |
| Net loans and leases to core deposits | 82.0802% | 2,825 |
| Total domestic deposits to total assets | 87.2688% | 2,789 |
| Equity capital to assets | 10.9362% | 2,981 |
| Core capital (leverage) ratio | 11.6839% | 1,782 |
| Tier 1 risk-based capital ratio | 15.4598% | 3,470 |
| Total risk-based capital ratio | 16.7120% | 3,438 |
| Memoranda: | ||
| Average total assets | $763,031,000 | 875 |
| Average earning assets | $688,973,000 | 880 |
| Average equity | $82,065,500 | 845 |
| Average total loans | $546,866,000 | 762 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 5,686 |
| Cost of funding earning assets | 0.7037% | 5,516 |
| Net interest margin | 3.6197% | 4,655 |
| Noninterest income to average assets | 0.7902% | 2,119 |
| Noninterest expense to average assets | 3.1241% | 3,115 |
| Loan and lease loss provision to assets | 0.2709% | 3,504 |
| Net operating income to assets | 0.4599% | 4,594 |
| Return on assets (ROA) | 0.4599% | 4,800 |
| Pretax return on assets | 0.6579% | 4,485 |
| Return on Equity (ROE) | 4.4532% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.4532% | 3,005 |
| Net charge-offs to loans | 0.3335% | 3,731 |
| Credit loss provision to net charge-offs | 116.6574% | 2,771 |
| Earnings coverage of net charge-offs (x) | 3.9994% | 3,307 |
| Efficiency ratio | 77.0820% | 2,731 |
| Assets per employee ($millions) | 3.2397% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 4,417 |
| Loan loss allowance to noncurrent loans | 168.4372% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 5,200 |
| Noncurrent loans to loans | 0.8361% | 5,018 |
| Net loans and leases to total assets | 70.2648% | 1,980 |
| Net loans and leases to deposits | 81.0355% | 2,351 |
| Net loans and leases to core deposits | 82.9864% | 3,026 |
| Total domestic deposits to total assets | 86.7086% | 2,910 |
| Equity capital to assets | 10.5764% | 3,444 |
| Core capital (leverage) ratio | 11.2147% | 2,108 |
| Tier 1 risk-based capital ratio | 15.0484% | 3,610 |
| Total risk-based capital ratio | 16.2996% | 3,566 |
| Memoranda: | ||
| Average total assets | $770,302,200 | 854 |
| Average earning assets | $694,347,000 | 865 |
| Average equity | $79,561,600 | 845 |
| Average total loans | $536,370,400 | 784 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 5,852 |
| Cost of funding earning assets | 0.7402% | 5,521 |
| Net interest margin | 3.5884% | 4,817 |
| Noninterest income to average assets | 0.7847% | 2,119 |
| Noninterest expense to average assets | 3.1611% | 2,958 |
| Loan and lease loss provision to assets | 0.2921% | 3,179 |
| Net operating income to assets | 0.4045% | 4,976 |
| Return on assets (ROA) | 0.4045% | 5,163 |
| Pretax return on assets | 0.5668% | 4,912 |
| Return on Equity (ROE) | 3.9401% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.9401% | 3,919 |
| Net charge-offs to loans | 0.1844% | 4,324 |
| Credit loss provision to net charge-offs | 228.8618% | 1,245 |
| Earnings coverage of net charge-offs (x) | 6.7290% | 2,500 |
| Efficiency ratio | 78.6353% | 2,454 |
| Assets per employee ($millions) | 3.2474% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,863 |
| Loan loss allowance to noncurrent loans | 134.0228% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 4,962 |
| Noncurrent loans to loans | 1.1610% | 4,598 |
| Net loans and leases to total assets | 68.4289% | 2,394 |
| Net loans and leases to deposits | 78.5584% | 2,879 |
| Net loans and leases to core deposits | 80.5011% | 3,564 |
| Total domestic deposits to total assets | 87.1058% | 2,588 |
| Equity capital to assets | 10.3118% | 3,938 |
| Core capital (leverage) ratio | 10.9274% | 2,450 |
| Tier 1 risk-based capital ratio | 15.1125% | 3,601 |
| Total risk-based capital ratio | 16.3656% | 3,569 |
| Memoranda: | ||
| Average total assets | $770,924,500 | 861 |
| Average earning assets | $695,065,750 | 869 |
| Average equity | $79,150,250 | 855 |
| Average total loans | $533,661,000 | 796 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 5,872 |
| Cost of funding earning assets | 0.7720% | 5,550 |
| Net interest margin | 3.5688% | 4,843 |
| Noninterest income to average assets | 0.7896% | 2,074 |
| Noninterest expense to average assets | 3.1633% | 3,035 |
| Loan and lease loss provision to assets | 0.3895% | 2,465 |
| Net operating income to assets | 0.3378% | 5,221 |
| Return on assets (ROA) | 0.3378% | 5,355 |
| Pretax return on assets | 0.4559% | 5,204 |
| Return on Equity (ROE) | 3.2950% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.2950% | 4,162 |
| Net charge-offs to loans | 0.2716% | 3,527 |
| Credit loss provision to net charge-offs | 207.4689% | 1,447 |
| Earnings coverage of net charge-offs (x) | 4.5035% | 2,843 |
| Efficiency ratio | 78.9106% | 2,572 |
| Assets per employee ($millions) | 3.2646% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 3,990 |
| Loan loss allowance to noncurrent loans | 135.2669% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 5,192 |
| Noncurrent loans to loans | 1.1303% | 4,769 |
| Net loans and leases to total assets | 67.5667% | 2,698 |
| Net loans and leases to deposits | 77.6022% | 3,199 |
| Net loans and leases to core deposits | 79.4654% | 3,863 |
| Total domestic deposits to total assets | 87.0679% | 2,705 |
| Equity capital to assets | 10.2244% | 3,854 |
| Core capital (leverage) ratio | 10.9354% | 2,308 |
| Tier 1 risk-based capital ratio | 15.1542% | 3,422 |
| Total risk-based capital ratio | 16.4067% | 3,379 |
| Memoranda: | ||
| Average total assets | $770,274,330 | 870 |
| Average earning assets | $694,803,000 | 876 |
| Average equity | $78,968,000 | 858 |
| Average total loans | $532,471,670 | 805 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 5,791 |
| Cost of funding earning assets | 0.7922% | 5,604 |
| Net interest margin | 3.5770% | 4,672 |
| Noninterest income to average assets | 0.7443% | 2,287 |
| Noninterest expense to average assets | 3.2155% | 2,844 |
| Loan and lease loss provision to assets | 0.0941% | 4,838 |
| Net operating income to assets | 0.4667% | 4,639 |
| Return on assets (ROA) | 0.4667% | 4,721 |
| Pretax return on assets | 0.6680% | 4,429 |
| Return on Equity (ROE) | 4.5466% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.5466% | 3,448 |
| Net charge-offs to loans | 0.0136% | 4,891 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 374 |
| Efficiency ratio | 80.8410% | 2,388 |
| Assets per employee ($millions) | 3.1711% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,579 |
| Loan loss allowance to noncurrent loans | 214.9347% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 5,897 |
| Noncurrent loans to loans | 0.6591% | 5,711 |
| Net loans and leases to total assets | 68.6503% | 2,415 |
| Net loans and leases to deposits | 78.9985% | 2,895 |
| Net loans and leases to core deposits | 81.1924% | 3,575 |
| Total domestic deposits to total assets | 86.9008% | 2,995 |
| Equity capital to assets | 10.3268% | 3,378 |
| Core capital (leverage) ratio | 11.1457% | 2,075 |
| Tier 1 risk-based capital ratio | 15.0567% | 3,392 |
| Total risk-based capital ratio | 16.3098% | 3,352 |
| Memoranda: | ||
| Average total assets | $765,296,000 | 882 |
| Average earning assets | $691,754,000 | 886 |
| Average equity | $78,565,000 | 851 |
| Average total loans | $531,027,000 | 814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 6,227 |
| Cost of funding earning assets | 1.0408% | 5,478 |
| Net interest margin | 3.5162% | 5,181 |
| Noninterest income to average assets | 0.9412% | 1,701 |
| Noninterest expense to average assets | 3.3416% | 2,600 |
| Loan and lease loss provision to assets | 0.0962% | 6,185 |
| Net operating income to assets | 0.5485% | 3,896 |
| Return on assets (ROA) | 0.3957% | 4,703 |
| Pretax return on assets | 0.4872% | 4,668 |
| Return on Equity (ROE) | 3.9723% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.9723% | 3,089 |
| Net charge-offs to loans | 0.0517% | 6,273 |
| Credit loss provision to net charge-offs | 268.5185% | 1,033 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 960 |
| Efficiency ratio | 81.2325% | 2,255 |
| Assets per employee ($millions) | 3.1407% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 4,488 |
| Loan loss allowance to noncurrent loans | 257.9387% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 6,135 |
| Noncurrent loans to loans | 0.5443% | 5,961 |
| Net loans and leases to total assets | 68.1681% | 2,946 |
| Net loans and leases to deposits | 78.6121% | 3,410 |
| Net loans and leases to core deposits | 80.9085% | 4,078 |
| Total domestic deposits to total assets | 86.7145% | 2,970 |
| Equity capital to assets | 10.2048% | 3,493 |
| Core capital (leverage) ratio | 10.8936% | 2,234 |
| Tier 1 risk-based capital ratio | 14.6677% | 3,441 |
| Total risk-based capital ratio | 15.9186% | 3,406 |
| Memoranda: | ||
| Average total assets | $753,858,400 | 895 |
| Average earning assets | $680,158,200 | 902 |
| Average equity | $75,095,400 | 878 |
| Average total loans | $522,414,800 | 862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 6,314 |
| Cost of funding earning assets | 1.0933% | 5,457 |
| Net interest margin | 3.5154% | 5,229 |
| Noninterest income to average assets | 0.9289% | 1,693 |
| Noninterest expense to average assets | 3.3494% | 2,433 |
| Loan and lease loss provision to assets | 0.0967% | 6,057 |
| Net operating income to assets | 0.5786% | 3,967 |
| Return on assets (ROA) | 0.3625% | 5,100 |
| Pretax return on assets | 0.4082% | 5,193 |
| Return on Equity (ROE) | 3.6613% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.6613% | 3,878 |
| Net charge-offs to loans | 0.0473% | 6,053 |
| Credit loss provision to net charge-offs | 294.5946% | 1,087 |
| Earnings coverage of net charge-offs (x) | 22.7838% | 1,079 |
| Efficiency ratio | 81.7485% | 2,086 |
| Assets per employee ($millions) | 3.0473% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 4,447 |
| Loan loss allowance to noncurrent loans | 151.0326% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 5,789 |
| Noncurrent loans to loans | 0.9277% | 5,384 |
| Net loans and leases to total assets | 68.0940% | 3,188 |
| Net loans and leases to deposits | 78.3294% | 3,771 |
| Net loans and leases to core deposits | 80.6452% | 4,425 |
| Total domestic deposits to total assets | 86.9329% | 2,572 |
| Equity capital to assets | 10.1411% | 3,962 |
| Core capital (leverage) ratio | 10.7112% | 2,504 |
| Tier 1 risk-based capital ratio | 14.5568% | 3,480 |
| Total risk-based capital ratio | 15.8077% | 3,449 |
| Memoranda: | ||
| Average total assets | $751,524,750 | 898 |
| Average earning assets | $677,317,000 | 904 |
| Average equity | $74,398,750 | 886 |
| Average total loans | $521,103,000 | 867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 6,347 |
| Cost of funding earning assets | 1.1453% | 5,435 |
| Net interest margin | 3.4918% | 5,282 |
| Noninterest income to average assets | 0.9814% | 1,434 |
| Noninterest expense to average assets | 3.3928% | 2,279 |
| Loan and lease loss provision to assets | 0.0973% | 5,940 |
| Net operating income to assets | 0.6476% | 3,637 |
| Return on assets (ROA) | 0.3335% | 5,209 |
| Pretax return on assets | 0.3199% | 5,451 |
| Return on Equity (ROE) | 3.3971% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.3971% | 3,949 |
| Net charge-offs to loans | 0.0426% | 5,780 |
| Credit loss provision to net charge-offs | 328.8288% | 1,113 |
| Earnings coverage of net charge-offs (x) | 24.7117% | 1,057 |
| Efficiency ratio | 82.2666% | 2,125 |
| Assets per employee ($millions) | 3.1382% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,562 |
| Loan loss allowance to noncurrent loans | 150.1771% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,759 |
| Noncurrent loans to loans | 0.9139% | 5,451 |
| Net loans and leases to total assets | 68.1946% | 3,315 |
| Net loans and leases to deposits | 78.5447% | 3,877 |
| Net loans and leases to core deposits | 80.5782% | 4,616 |
| Total domestic deposits to total assets | 86.8226% | 2,638 |
| Equity capital to assets | 9.8693% | 4,173 |
| Core capital (leverage) ratio | 10.6311% | 2,515 |
| Tier 1 risk-based capital ratio | 14.0992% | 3,664 |
| Total risk-based capital ratio | 15.3496% | 3,625 |
| Memoranda: | ||
| Average total assets | $750,120,000 | 905 |
| Average earning assets | $675,127,000 | 914 |
| Average equity | $73,651,670 | 896 |
| Average total loans | $520,828,670 | 875 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 6,320 |
| Cost of funding earning assets | 1.2036% | 5,391 |
| Net interest margin | 3.4741% | 5,269 |
| Noninterest income to average assets | 0.8199% | 1,931 |
| Noninterest expense to average assets | 3.4508% | 2,106 |
| Loan and lease loss provision to assets | 0.0993% | 5,641 |
| Net operating income to assets | 0.3204% | 5,206 |
| Return on assets (ROA) | 0.3209% | 5,338 |
| Pretax return on assets | 0.3928% | 5,318 |
| Return on Equity (ROE) | 3.2766% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.2766% | 4,178 |
| Net charge-offs to loans | 0.0008% | 5,607 |
| Credit loss provision to net charge-offs | 18,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 916.0000% | 22 |
| Efficiency ratio | 87.5323% | 1,636 |
| Assets per employee ($millions) | 3.1110% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 4,650 |
| Loan loss allowance to noncurrent loans | 297.4990% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 6,569 |
| Noncurrent loans to loans | 0.4555% | 6,387 |
| Net loans and leases to total assets | 69.5888% | 3,038 |
| Net loans and leases to deposits | 80.3612% | 3,586 |
| Net loans and leases to core deposits | 82.8944% | 4,359 |
| Total domestic deposits to total assets | 86.5949% | 2,845 |
| Equity capital to assets | 9.8521% | 4,052 |
| Core capital (leverage) ratio | 10.8246% | 2,353 |
| Tier 1 risk-based capital ratio | 13.5785% | 3,943 |
| Total risk-based capital ratio | 14.7994% | 3,918 |
| Memoranda: | ||
| Average total assets | $745,457,000 | 929 |
| Average earning assets | $669,984,500 | 940 |
| Average equity | $73,001,500 | 909 |
| Average total loans | $518,689,000 | 901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 6,599 |
| Cost of funding earning assets | 1.4999% | 5,515 |
| Net interest margin | 3.4454% | 5,192 |
| Noninterest income to average assets | 0.9718% | 1,659 |
| Noninterest expense to average assets | 3.5550% | 2,257 |
| Loan and lease loss provision to assets | 0.0651% | 6,923 |
| Net operating income to assets | 0.4356% | 3,983 |
| Return on assets (ROA) | 0.2616% | 4,763 |
| Pretax return on assets | 0.2673% | 4,853 |
| Return on Equity (ROE) | 2.6507% | 4,644 |
| Retained earnings to average equity (ytd only) | 2.6507% | 3,294 |
| Net charge-offs to loans | 0.0142% | 7,023 |
| Credit loss provision to net charge-offs | 661.9718% | 439 |
| Earnings coverage of net charge-offs (x) | 51.8873% | 503 |
| Efficiency ratio | 87.4553% | 1,934 |
| Assets per employee ($millions) | 2.9653% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,425 |
| Loan loss allowance to noncurrent loans | 238.4431% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 6,459 |
| Noncurrent loans to loans | 0.5710% | 6,096 |
| Net loans and leases to total assets | 67.6781% | 3,781 |
| Net loans and leases to deposits | 78.2417% | 4,324 |
| Net loans and leases to core deposits | 86.5986% | 5,461 |
| Total domestic deposits to total assets | 86.4987% | 2,765 |
| Equity capital to assets | 9.7334% | 4,098 |
| Core capital (leverage) ratio | 11.1844% | 2,118 |
| Tier 1 risk-based capital ratio | 14.4101% | 3,256 |
| Total risk-based capital ratio | 15.6353% | 3,223 |
| Memoranda: | ||
| Average total assets | $722,450,600 | 942 |
| Average earning assets | $648,579,800 | 959 |
| Average equity | $71,302,600 | 917 |
| Average total loans | $500,601,600 | 952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 6,548 |
| Cost of funding earning assets | 1.5549% | 5,610 |
| Net interest margin | 3.4645% | 5,011 |
| Noninterest income to average assets | 0.9683% | 1,711 |
| Noninterest expense to average assets | 3.5932% | 2,038 |
| Loan and lease loss provision to assets | 0.0642% | 6,717 |
| Net operating income to assets | 0.4489% | 4,199 |
| Return on assets (ROA) | 0.2105% | 5,199 |
| Pretax return on assets | 0.1804% | 5,337 |
| Return on Equity (ROE) | 2.1253% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.1253% | 4,141 |
| Net charge-offs to loans | 0.0131% | 6,735 |
| Credit loss provision to net charge-offs | 704.0816% | 530 |
| Earnings coverage of net charge-offs (x) | 53.0014% | 601 |
| Efficiency ratio | 88.1524% | 1,861 |
| Assets per employee ($millions) | 2.9062% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 4,235 |
| Loan loss allowance to noncurrent loans | 267.0565% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 6,607 |
| Noncurrent loans to loans | 0.5039% | 6,296 |
| Net loans and leases to total assets | 68.5717% | 3,831 |
| Net loans and leases to deposits | 79.3688% | 4,495 |
| Net loans and leases to core deposits | 88.2579% | 5,617 |
| Total domestic deposits to total assets | 86.3963% | 2,478 |
| Equity capital to assets | 9.7117% | 4,480 |
| Core capital (leverage) ratio | 10.9560% | 2,436 |
| Tier 1 risk-based capital ratio | 14.2124% | 3,432 |
| Total risk-based capital ratio | 15.4349% | 3,395 |
| Memoranda: | ||
| Average total assets | $716,993,500 | 962 |
| Average earning assets | $643,191,750 | 983 |
| Average equity | $71,017,250 | 934 |
| Average total loans | $498,085,250 | 981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 6,358 |
| Cost of funding earning assets | 1.5973% | 5,760 |
| Net interest margin | 3.5211% | 4,696 |
| Noninterest income to average assets | 0.9594% | 1,730 |
| Noninterest expense to average assets | 3.6150% | 2,033 |
| Loan and lease loss provision to assets | 0.0674% | 6,528 |
| Net operating income to assets | 0.5063% | 4,065 |
| Return on assets (ROA) | 0.1461% | 5,524 |
| Pretax return on assets | 0.0716% | 5,737 |
| Return on Equity (ROE) | 1.4652% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.4652% | 4,510 |
| Net charge-offs to loans | 0.0109% | 6,412 |
| Credit loss provision to net charge-offs | 888.8889% | 540 |
| Earnings coverage of net charge-offs (x) | 65.8148% | 555 |
| Efficiency ratio | 87.8653% | 2,031 |
| Assets per employee ($millions) | 2.8993% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,105 |
| Loan loss allowance to noncurrent loans | 306.6153% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 6,705 |
| Noncurrent loans to loans | 0.4334% | 6,433 |
| Net loans and leases to total assets | 69.3229% | 3,874 |
| Net loans and leases to deposits | 80.4655% | 4,474 |
| Net loans and leases to core deposits | 89.3032% | 5,595 |
| Total domestic deposits to total assets | 86.1524% | 2,706 |
| Equity capital to assets | 9.6728% | 4,391 |
| Core capital (leverage) ratio | 11.1074% | 2,324 |
| Tier 1 risk-based capital ratio | 14.3411% | 3,335 |
| Total risk-based capital ratio | 15.5706% | 3,278 |
| Memoranda: | ||
| Average total assets | $711,869,330 | 985 |
| Average earning assets | $637,818,000 | 1,011 |
| Average equity | $70,981,330 | 945 |
| Average total loans | $494,431,670 | 1,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 6,207 |
| Cost of funding earning assets | 1.6612% | 5,771 |
| Net interest margin | 3.5634% | 4,473 |
| Noninterest income to average assets | 0.9226% | 1,766 |
| Noninterest expense to average assets | 3.5288% | 2,032 |
| Loan and lease loss provision to assets | 0.0595% | 6,213 |
| Net operating income to assets | 0.4327% | 4,730 |
| Return on assets (ROA) | 0.4327% | 4,907 |
| Pretax return on assets | 0.5455% | 4,933 |
| Return on Equity (ROE) | 4.2736% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.2736% | 3,527 |
| Net charge-offs to loans | 0.0057% | 5,607 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 152.4286% | 292 |
| Efficiency ratio | 85.3635% | 2,146 |
| Assets per employee ($millions) | 2.7952% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,759 |
| Loan loss allowance to noncurrent loans | 413.4245% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,847 |
| Noncurrent loans to loans | 0.3280% | 6,612 |
| Net loans and leases to total assets | 68.4362% | 4,036 |
| Net loans and leases to deposits | 79.1631% | 4,745 |
| Net loans and leases to core deposits | 88.1521% | 5,725 |
| Total domestic deposits to total assets | 86.4495% | 2,480 |
| Equity capital to assets | 10.0932% | 3,888 |
| Core capital (leverage) ratio | 11.5079% | 2,142 |
| Tier 1 risk-based capital ratio | 15.8245% | 2,750 |
| Total risk-based capital ratio | 17.0750% | 2,689 |
| Memoranda: | ||
| Average total assets | $705,386,500 | 995 |
| Average earning assets | $635,685,500 | 1,008 |
| Average equity | $71,416,000 | 942 |
| Average total loans | $487,025,500 | 1,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6413% | 6,953 |
| Cost of funding earning assets | 2.0642% | 6,184 |
| Net interest margin | 3.5771% | 4,985 |
| Noninterest income to average assets | 0.9722% | 1,682 |
| Noninterest expense to average assets | 3.3461% | 2,828 |
| Loan and lease loss provision to assets | 0.0501% | 6,787 |
| Net operating income to assets | 0.6866% | 3,947 |
| Return on assets (ROA) | -0.5490% | 6,843 |
| Pretax return on assets | -1.1025% | 7,061 |
| Return on Equity (ROE) | -5.1340% | 6,879 |
| Retained earnings to average equity (ytd only) | -5.1340% | 6,531 |
| Net charge-offs to loans | 0.1235% | 5,001 |
| Credit loss provision to net charge-offs | 61.8467% | 6,210 |
| Earnings coverage of net charge-offs (x) | 10.8502% | 2,454 |
| Efficiency ratio | 79.2074% | 2,723 |
| Assets per employee ($millions) | 2.7700% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 3,447 |
| Loan loss allowance to noncurrent loans | 434.6154% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 6,716 |
| Noncurrent loans to loans | 0.3119% | 6,441 |
| Net loans and leases to total assets | 67.7775% | 4,496 |
| Net loans and leases to deposits | 78.1767% | 5,317 |
| Net loans and leases to core deposits | 87.0766% | 6,057 |
| Total domestic deposits to total assets | 86.6979% | 2,094 |
| Equity capital to assets | 10.1557% | 3,859 |
| Core capital (leverage) ratio | 11.5420% | 2,224 |
| Tier 1 risk-based capital ratio | 16.7824% | 2,392 |
| Total risk-based capital ratio | 18.0340% | 2,322 |
| Memoranda: | ||
| Average total assets | $709,043,600 | 942 |
| Average earning assets | $644,658,200 | 938 |
| Average equity | $75,827,400 | 874 |
| Average total loans | $464,641,600 | 1,043 |