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 | 4.8043% | 2,461 |
| Cost of funding earning assets | 1.0735% | 3,136 |
| Net interest margin | 3.7308% | 1,699 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.0255% | 1,093 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.7904% | 2,903 |
| Return on assets (ROA) | 0.7904% | 2,879 |
| Pretax return on assets | 0.9162% | 2,921 |
| Return on Equity (ROE) | 8.1400% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.1371% | 1,494 |
| Net charge-offs to loans | 0.0491% | 1,378 |
| Credit loss provision to net charge-offs | 233.0275% | 1,122 |
| Earnings coverage of net charge-offs (x) | 28.1651% | 1,666 |
| Efficiency ratio | 75.1397% | 1,335 |
| Assets per employee ($millions) | 5.5544% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,273 |
| Loan loss allowance to noncurrent loans | 321.6755% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,045 |
| Noncurrent loans to loans | 0.3128% | 2,072 |
| Net loans and leases to total assets | 73.8800% | 1,381 |
| Net loans and leases to deposits | 89.5282% | 1,304 |
| Net loans and leases to core deposits | 100.6598% | 1,393 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 9.8971% | 2,069 |
| Core capital (leverage) ratio | 11.1103% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7994% | 1,317 |
| Memoranda: | ||
| Average total assets | $306,695,800 | 2,400 |
| Average earning assets | $293,073,400 | 2,342 |
| Average equity | $29,789,400 | 2,267 |
| Average total loans | $221,881,800 | 2,152 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 2,475 |
| Cost of funding earning assets | 0.8992% | 3,276 |
| Net interest margin | 3.8007% | 1,597 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 3.0388% | 1,008 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8696% | 2,796 |
| Return on assets (ROA) | 0.8696% | 2,783 |
| Pretax return on assets | 1.0250% | 2,784 |
| Return on Equity (ROE) | 9.0000% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.9978% | 1,691 |
| Net charge-offs to loans | -0.0215% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.3750% | 1,330 |
| Assets per employee ($millions) | 5.2635% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,219 |
| Loan loss allowance to noncurrent loans | 2,991.1392% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,562 |
| Noncurrent loans to loans | 0.0344% | 3,521 |
| Net loans and leases to total assets | 72.0600% | 1,565 |
| Net loans and leases to deposits | 86.9011% | 1,478 |
| Net loans and leases to core deposits | 97.6154% | 1,469 |
| Total domestic deposits to total assets | 82.9200% | 3,034 |
| Equity capital to assets | 9.4920% | 2,100 |
| Core capital (leverage) ratio | 11.4303% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3160% | 1,240 |
| Memoranda: | ||
| Average total assets | $302,831,000 | 2,419 |
| Average earning assets | $289,135,500 | 2,367 |
| Average equity | $29,265,750 | 2,286 |
| Average total loans | $217,245,500 | 2,177 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 2,369 |
| Cost of funding earning assets | 0.7481% | 3,354 |
| Net interest margin | 3.8732% | 1,478 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.0767% | 928 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9306% | 2,649 |
| Return on assets (ROA) | 0.9306% | 2,636 |
| Pretax return on assets | 1.1008% | 2,646 |
| Return on Equity (ROE) | 9.5700% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.5699% | 1,517 |
| Net charge-offs to loans | -0.0131% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5544% | 1,396 |
| Assets per employee ($millions) | 5.2455% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,234 |
| Loan loss allowance to noncurrent loans | 8,221.4286% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,757 |
| Noncurrent loans to loans | 0.0127% | 3,693 |
| Net loans and leases to total assets | 71.8400% | 1,553 |
| Net loans and leases to deposits | 87.1860% | 1,411 |
| Net loans and leases to core deposits | 98.5508% | 1,314 |
| Total domestic deposits to total assets | 82.4000% | 3,160 |
| Equity capital to assets | 9.8058% | 1,976 |
| Core capital (leverage) ratio | 11.2825% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5795% | 1,197 |
| Memoranda: | ||
| Average total assets | $298,504,000 | 2,445 |
| Average earning assets | $284,984,333 | 2,396 |
| Average equity | $29,028,667 | 2,304 |
| Average total loans | $213,019,667 | 2,203 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,290 |
| Cost of funding earning assets | 0.5088% | 3,657 |
| Net interest margin | 4.0023% | 1,258 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 3.1823% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9850% | 2,578 |
| Return on assets (ROA) | 0.9850% | 2,546 |
| Pretax return on assets | 1.1677% | 2,521 |
| Return on Equity (ROE) | 10.1700% | 2,738 |
| Retained earnings to average equity (ytd only) | 10.1724% | 1,659 |
| Net charge-offs to loans | 0.0670% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.6571% | 1,385 |
| Efficiency ratio | 73.1571% | 1,420 |
| Assets per employee ($millions) | 5.0601% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,235 |
| Loan loss allowance to noncurrent loans | 495.3540% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,456 |
| Noncurrent loans to loans | 0.2149% | 2,401 |
| Net loans and leases to total assets | 69.7100% | 1,655 |
| Net loans and leases to deposits | 81.2812% | 1,723 |
| Net loans and leases to core deposits | 91.4187% | 1,536 |
| Total domestic deposits to total assets | 85.7700% | 2,659 |
| Equity capital to assets | 9.7482% | 1,966 |
| Core capital (leverage) ratio | 11.5767% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8599% | 1,179 |
| Memoranda: | ||
| Average total assets | $295,636,500 | 2,491 |
| Average earning assets | $282,235,000 | 2,441 |
| Average equity | $28,626,500 | 2,352 |
| Average total loans | $209,093,000 | 2,245 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 2,267 |
| Cost of funding earning assets | 0.2138% | 3,645 |
| Net interest margin | 3.5907% | 1,670 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 3.2049% | 718 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.1944% | 1,797 |
| Return on assets (ROA) | 0.9859% | 2,570 |
| Pretax return on assets | 1.1493% | 2,608 |
| Return on Equity (ROE) | 10.2100% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.2818% | 1,728 |
| Net charge-offs to loans | -0.0185% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.0218% | 1,559 |
| Assets per employee ($millions) | 4.6464% | 3,939 |
| Cash dividends to net income (ytd only)* | 18.9133% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,264 |
| Loan loss allowance to noncurrent loans | 378.0357% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 2,220 |
| Noncurrent loans to loans | 0.2695% | 2,187 |
| Net loans and leases to total assets | 70.2700% | 1,613 |
| Net loans and leases to deposits | 78.8245% | 1,867 |
| Net loans and leases to core deposits | 87.0050% | 1,681 |
| Total domestic deposits to total assets | 89.1500% | 1,680 |
| Equity capital to assets | 9.6165% | 1,927 |
| Core capital (leverage) ratio | 11.0580% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7163% | 1,182 |
| Memoranda: | ||
| Average total assets | $294,956,000 | 2,474 |
| Average earning assets | $281,139,800 | 2,439 |
| Average equity | $28,472,200 | 2,405 |
| Average total loans | $189,397,800 | 2,311 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 2,096 |
| Cost of funding earning assets | 0.1819% | 3,499 |
| Net interest margin | 3.4993% | 1,664 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 3.0906% | 801 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 1.4059% | 1,077 |
| Return on assets (ROA) | 1.4059% | 1,049 |
| Pretax return on assets | 1.6621% | 973 |
| Return on Equity (ROE) | 14.5500% | 1,275 |
| Retained earnings to average equity (ytd only) | 11.9822% | 796 |
| Net charge-offs to loans | -0.0195% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8619% | 2,173 |
| Assets per employee ($millions) | 4.8510% | 3,801 |
| Cash dividends to net income (ytd only)* | 17.6508% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,165 |
| Loan loss allowance to noncurrent loans | 213.8573% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 1,677 |
| Noncurrent loans to loans | 0.4989% | 1,551 |
| Net loans and leases to total assets | 62.7500% | 2,217 |
| Net loans and leases to deposits | 69.9979% | 2,363 |
| Net loans and leases to core deposits | 76.8045% | 2,132 |
| Total domestic deposits to total assets | 89.6400% | 1,814 |
| Equity capital to assets | 9.0762% | 2,159 |
| Core capital (leverage) ratio | 11.0513% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9745% | 1,181 |
| Memoranda: | ||
| Average total assets | $295,513,500 | 2,492 |
| Average earning assets | $281,495,000 | 2,452 |
| Average equity | $28,552,750 | 2,433 |
| Average total loans | $184,793,500 | 2,347 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 1,888 |
| Cost of funding earning assets | 0.1628% | 3,408 |
| Net interest margin | 3.4216% | 1,536 |
| Noninterest income to average assets | 0.7092% | 1,294 |
| Noninterest expense to average assets | 3.0457% | 799 |
| Loan and lease loss provision to assets | -0.1978% | 4,680 |
| Net operating income to assets | 0.9954% | 2,176 |
| Return on assets (ROA) | 0.9954% | 2,147 |
| Pretax return on assets | 1.1275% | 2,314 |
| Return on Equity (ROE) | 10.0887% | 2,299 |
| Retained earnings to average equity (ytd only) | 8.0071% | 1,613 |
| Net charge-offs to loans | 0.0099% | 1,618 |
| Credit loss provision to net charge-offs | -3,211.1111% | 3,729 |
| Earnings coverage of net charge-offs (x) | 150.8889% | 641 |
| Efficiency ratio | 76.6144% | 1,209 |
| Assets per employee ($millions) | 4.5865% | 4,015 |
| Cash dividends to net income (ytd only)* | 20.6327% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,189 |
| Loan loss allowance to noncurrent loans | 192.4242% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 1,557 |
| Noncurrent loans to loans | 0.5684% | 1,487 |
| Net loans and leases to total assets | 62.6055% | 2,054 |
| Net loans and leases to deposits | 69.9241% | 2,212 |
| Net loans and leases to core deposits | 70.4857% | 2,454 |
| Total domestic deposits to total assets | 89.5334% | 1,927 |
| Equity capital to assets | 9.3185% | 2,150 |
| Core capital (leverage) ratio | 10.7693% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3325% | 1,114 |
| Memoranda: | ||
| Average total assets | $292,147,667 | 2,525 |
| Average earning assets | $278,874,000 | 2,490 |
| Average equity | $28,824,333 | 2,477 |
| Average total loans | $181,779,667 | 2,373 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 1,655 |
| Cost of funding earning assets | 0.1622% | 3,338 |
| Net interest margin | 3.3832% | 1,339 |
| Noninterest income to average assets | 0.5037% | 2,122 |
| Noninterest expense to average assets | 3.0729% | 719 |
| Loan and lease loss provision to assets | -0.1674% | 4,665 |
| Net operating income to assets | 0.7631% | 2,804 |
| Return on assets (ROA) | 0.7631% | 2,795 |
| Pretax return on assets | 0.8331% | 3,003 |
| Return on Equity (ROE) | 7.5237% | 2,863 |
| Retained earnings to average equity (ytd only) | 7.5237% | 1,726 |
| Net charge-offs to loans | 0.0089% | 1,423 |
| Credit loss provision to net charge-offs | -3,050.0000% | 3,459 |
| Earnings coverage of net charge-offs (x) | 121.2500% | 610 |
| Efficiency ratio | 82.1953% | 970 |
| Assets per employee ($millions) | 4.6411% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,754 |
| Loan loss allowance to noncurrent loans | 278.2828% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 2,075 |
| Noncurrent loans to loans | 0.4387% | 1,930 |
| Net loans and leases to total assets | 60.0351% | 2,061 |
| Net loans and leases to deposits | 67.3673% | 2,208 |
| Net loans and leases to core deposits | 67.9022% | 2,465 |
| Total domestic deposits to total assets | 89.1160% | 2,026 |
| Equity capital to assets | 9.7743% | 2,067 |
| Core capital (leverage) ratio | 10.6909% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9198% | 1,060 |
| Memoranda: | ||
| Average total assets | $291,454,000 | 2,542 |
| Average earning assets | $278,669,000 | 2,508 |
| Average equity | $29,560,000 | 2,507 |
| Average total loans | $179,769,000 | 2,381 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 626 |
| Cost of funding earning assets | 0.2146% | 3,321 |
| Net interest margin | 4.2569% | 443 |
| Noninterest income to average assets | 0.4965% | 2,584 |
| Noninterest expense to average assets | 3.3135% | 616 |
| Loan and lease loss provision to assets | -0.1019% | 4,532 |
| Net operating income to assets | 1.1460% | 2,127 |
| Return on assets (ROA) | 1.1460% | 2,178 |
| Pretax return on assets | 1.3491% | 2,204 |
| Return on Equity (ROE) | 10.7225% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.3432% | 2,207 |
| Net charge-offs to loans | 0.0136% | 2,057 |
| Credit loss provision to net charge-offs | -1,132.0000% | 3,951 |
| Earnings coverage of net charge-offs (x) | 138.5600% | 712 |
| Efficiency ratio | 72.6534% | 1,440 |
| Assets per employee ($millions) | 4.2040% | 4,320 |
| Cash dividends to net income (ytd only)* | 40.8420% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,352 |
| Loan loss allowance to noncurrent loans | 338.6628% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,354 |
| Noncurrent loans to loans | 0.3843% | 2,212 |
| Net loans and leases to total assets | 61.8032% | 1,966 |
| Net loans and leases to deposits | 69.9764% | 2,136 |
| Net loans and leases to core deposits | 70.6466% | 2,388 |
| Total domestic deposits to total assets | 88.3201% | 1,863 |
| Equity capital to assets | 10.5245% | 2,157 |
| Core capital (leverage) ratio | 10.5467% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8117% | 1,088 |
| Memoranda: | ||
| Average total assets | $277,739,200 | 2,559 |
| Average earning assets | $265,170,000 | 2,521 |
| Average equity | $29,685,200 | 2,555 |
| Average total loans | $184,342,400 | 2,349 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6568% | 519 |
| Cost of funding earning assets | 0.2232% | 3,396 |
| Net interest margin | 4.4336% | 355 |
| Noninterest income to average assets | 0.5102% | 2,578 |
| Noninterest expense to average assets | 3.2778% | 616 |
| Loan and lease loss provision to assets | -0.1375% | 4,673 |
| Net operating income to assets | 1.3739% | 1,616 |
| Return on assets (ROA) | 1.3739% | 1,670 |
| Pretax return on assets | 1.5973% | 1,712 |
| Return on Equity (ROE) | 12.8036% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.0715% | 2,033 |
| Net charge-offs to loans | -0.0108% | 3,701 |
| Credit loss provision to net charge-offs | 1,893.3333% | 342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1844% | 1,685 |
| Assets per employee ($millions) | 4.3495% | 4,229 |
| Cash dividends to net income (ytd only)* | 36.9588% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,242 |
| Loan loss allowance to noncurrent loans | 275.7858% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 2,277 |
| Noncurrent loans to loans | 0.4883% | 2,086 |
| Net loans and leases to total assets | 60.4530% | 2,201 |
| Net loans and leases to deposits | 68.7350% | 2,365 |
| Net loans and leases to core deposits | 69.3907% | 2,647 |
| Total domestic deposits to total assets | 87.9509% | 1,877 |
| Equity capital to assets | 10.6780% | 2,280 |
| Core capital (leverage) ratio | 10.6452% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1801% | 1,101 |
| Memoranda: | ||
| Average total assets | $275,705,250 | 2,586 |
| Average earning assets | $262,892,000 | 2,555 |
| Average equity | $29,584,750 | 2,596 |
| Average total loans | $185,675,500 | 2,380 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 1,359 |
| Cost of funding earning assets | 0.2285% | 3,477 |
| Net interest margin | 3.8649% | 1,035 |
| Noninterest income to average assets | 0.5185% | 2,538 |
| Noninterest expense to average assets | 3.1774% | 745 |
| Loan and lease loss provision to assets | -0.0736% | 4,570 |
| Net operating income to assets | 0.9760% | 2,974 |
| Return on assets (ROA) | 0.9760% | 3,059 |
| Pretax return on assets | 1.0974% | 3,223 |
| Return on Equity (ROE) | 9.0801% | 3,070 |
| Retained earnings to average equity (ytd only) | 5.3167% | 3,067 |
| Net charge-offs to loans | 0.0053% | 1,953 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | 278.4000% | 391 |
| Efficiency ratio | 75.6303% | 1,118 |
| Assets per employee ($millions) | 4.5460% | 4,069 |
| Cash dividends to net income (ytd only)* | 41.4469% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,047 |
| Loan loss allowance to noncurrent loans | 262.7593% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 2,225 |
| Noncurrent loans to loans | 0.5266% | 2,094 |
| Net loans and leases to total assets | 64.0524% | 1,942 |
| Net loans and leases to deposits | 72.5498% | 2,160 |
| Net loans and leases to core deposits | 73.2371% | 2,490 |
| Total domestic deposits to total assets | 88.2875% | 1,675 |
| Equity capital to assets | 10.4711% | 2,417 |
| Core capital (leverage) ratio | 10.5331% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0249% | 1,115 |
| Memoranda: | ||
| Average total assets | $271,918,333 | 2,596 |
| Average earning assets | $259,101,333 | 2,562 |
| Average equity | $29,228,667 | 2,611 |
| Average total loans | $188,931,000 | 2,363 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 1,238 |
| Cost of funding earning assets | 0.2439% | 3,527 |
| Net interest margin | 3.9342% | 932 |
| Noninterest income to average assets | 0.5694% | 2,329 |
| Noninterest expense to average assets | 3.1631% | 755 |
| Loan and lease loss provision to assets | 0.1588% | 804 |
| Net operating income to assets | 0.8796% | 3,183 |
| Return on assets (ROA) | 0.8796% | 3,264 |
| Pretax return on assets | 0.9934% | 3,390 |
| Return on Equity (ROE) | 8.0725% | 3,299 |
| Retained earnings to average equity (ytd only) | 3.9468% | 3,519 |
| Net charge-offs to loans | 0.1230% | 586 |
| Credit loss provision to net charge-offs | 179.6610% | 924 |
| Earnings coverage of net charge-offs (x) | 13.0339% | 1,412 |
| Efficiency ratio | 73.2986% | 1,371 |
| Assets per employee ($millions) | 4.4712% | 4,128 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,783 |
| Loan loss allowance to noncurrent loans | 193.8628% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 1,866 |
| Noncurrent loans to loans | 0.7470% | 1,742 |
| Net loans and leases to total assets | 66.9949% | 1,664 |
| Net loans and leases to deposits | 76.1108% | 1,895 |
| Net loans and leases to core deposits | 77.0729% | 2,261 |
| Total domestic deposits to total assets | 88.0229% | 1,831 |
| Equity capital to assets | 10.6887% | 2,097 |
| Core capital (leverage) ratio | 10.9491% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4790% | 1,172 |
| Memoranda: | ||
| Average total assets | $266,951,500 | 2,619 |
| Average earning assets | $254,184,500 | 2,583 |
| Average equity | $29,086,500 | 2,612 |
| Average total loans | $191,863,500 | 2,339 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 713 |
| Cost of funding earning assets | 0.4642% | 3,193 |
| Net interest margin | 4.3539% | 451 |
| Noninterest income to average assets | 0.4851% | 2,694 |
| Noninterest expense to average assets | 3.2252% | 1,010 |
| Loan and lease loss provision to assets | 0.3508% | 985 |
| Net operating income to assets | 0.9354% | 2,540 |
| Return on assets (ROA) | 1.0404% | 2,284 |
| Pretax return on assets | 1.1394% | 2,552 |
| Return on Equity (ROE) | 9.1441% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.1441% | 737 |
| Net charge-offs to loans | 0.1889% | 902 |
| Credit loss provision to net charge-offs | 228.3422% | 2,032 |
| Earnings coverage of net charge-offs (x) | 8.9492% | 2,557 |
| Efficiency ratio | 70.1134% | 1,933 |
| Assets per employee ($millions) | 4.4264% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,275 |
| Loan loss allowance to noncurrent loans | 246.0821% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 2,355 |
| Noncurrent loans to loans | 0.5406% | 2,355 |
| Net loans and leases to total assets | 74.9273% | 914 |
| Net loans and leases to deposits | 85.7237% | 1,271 |
| Net loans and leases to core deposits | 87.0551% | 1,790 |
| Total domestic deposits to total assets | 87.4057% | 1,743 |
| Equity capital to assets | 11.1109% | 2,166 |
| Core capital (leverage) ratio | 11.1427% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0964% | 1,492 |
| Memoranda: | ||
| Average total assets | $243,458,200 | 2,630 |
| Average earning assets | $230,090,200 | 2,598 |
| Average equity | $27,701,000 | 2,622 |
| Average total loans | $198,020,400 | 2,254 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 729 |
| Cost of funding earning assets | 0.5214% | 3,106 |
| Net interest margin | 4.3795% | 489 |
| Noninterest income to average assets | 0.5427% | 2,411 |
| Noninterest expense to average assets | 3.2352% | 1,011 |
| Loan and lease loss provision to assets | 0.4171% | 815 |
| Net operating income to assets | 0.9018% | 2,701 |
| Return on assets (ROA) | 1.0397% | 2,314 |
| Pretax return on assets | 1.1797% | 2,457 |
| Return on Equity (ROE) | 9.0796% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.0796% | 956 |
| Net charge-offs to loans | 0.2600% | 590 |
| Credit loss provision to net charge-offs | 193.7824% | 2,134 |
| Earnings coverage of net charge-offs (x) | 6.6891% | 2,635 |
| Efficiency ratio | 69.1959% | 2,005 |
| Assets per employee ($millions) | 4.2684% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,601 |
| Loan loss allowance to noncurrent loans | 176.7181% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 1,516 |
| Noncurrent loans to loans | 0.6856% | 2,076 |
| Net loans and leases to total assets | 81.5945% | 471 |
| Net loans and leases to deposits | 93.7268% | 942 |
| Net loans and leases to core deposits | 95.4057% | 1,511 |
| Total domestic deposits to total assets | 87.0557% | 1,648 |
| Equity capital to assets | 11.2467% | 2,194 |
| Core capital (leverage) ratio | 11.1201% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0615% | 1,487 |
| Memoranda: | ||
| Average total assets | $239,033,500 | 2,636 |
| Average earning assets | $225,560,000 | 2,609 |
| Average equity | $27,372,000 | 2,634 |
| Average total loans | $197,946,500 | 2,250 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 836 |
| Cost of funding earning assets | 0.5983% | 2,974 |
| Net interest margin | 4.3921% | 633 |
| Noninterest income to average assets | 0.5299% | 2,443 |
| Noninterest expense to average assets | 3.4230% | 826 |
| Loan and lease loss provision to assets | 0.4830% | 762 |
| Net operating income to assets | 0.7148% | 3,341 |
| Return on assets (ROA) | 0.7148% | 3,454 |
| Pretax return on assets | 0.7642% | 3,691 |
| Return on Equity (ROE) | 6.2022% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.2022% | 1,985 |
| Net charge-offs to loans | 0.1665% | 892 |
| Credit loss provision to net charge-offs | 350.0000% | 1,514 |
| Earnings coverage of net charge-offs (x) | 9.0370% | 2,252 |
| Efficiency ratio | 73.2944% | 1,532 |
| Assets per employee ($millions) | 3.7486% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,154 |
| Loan loss allowance to noncurrent loans | 134.8238% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 1,392 |
| Noncurrent loans to loans | 0.9421% | 1,643 |
| Net loans and leases to total assets | 81.7602% | 435 |
| Net loans and leases to deposits | 94.1657% | 949 |
| Net loans and leases to core deposits | 96.0461% | 1,580 |
| Total domestic deposits to total assets | 86.8259% | 1,692 |
| Equity capital to assets | 11.3084% | 2,119 |
| Core capital (leverage) ratio | 11.1297% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0484% | 1,476 |
| Memoranda: | ||
| Average total assets | $234,767,000 | 2,640 |
| Average earning assets | $221,304,667 | 2,620 |
| Average equity | $27,055,000 | 2,640 |
| Average total loans | $194,594,667 | 2,257 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 695 |
| Cost of funding earning assets | 0.6937% | 2,963 |
| Net interest margin | 4.4778% | 533 |
| Noninterest income to average assets | 0.5818% | 2,119 |
| Noninterest expense to average assets | 3.7635% | 651 |
| Loan and lease loss provision to assets | 0.2900% | 1,071 |
| Net operating income to assets | 0.6999% | 3,269 |
| Return on assets (ROA) | 0.6999% | 3,344 |
| Pretax return on assets | 0.7433% | 3,558 |
| Return on Equity (ROE) | 6.0137% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.0137% | 1,866 |
| Net charge-offs to loans | 0.2932% | 494 |
| Credit loss provision to net charge-offs | 119.2857% | 1,710 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,149 |
| Efficiency ratio | 78.4576% | 1,285 |
| Assets per employee ($millions) | 3.6293% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,931 |
| Loan loss allowance to noncurrent loans | 147.8349% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 1,815 |
| Noncurrent loans to loans | 0.7781% | 2,056 |
| Net loans and leases to total assets | 80.8393% | 589 |
| Net loans and leases to deposits | 93.8597% | 1,094 |
| Net loans and leases to core deposits | 97.7882% | 1,653 |
| Total domestic deposits to total assets | 86.1278% | 1,956 |
| Equity capital to assets | 11.6735% | 2,307 |
| Core capital (leverage) ratio | 11.5857% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9081% | 1,626 |
| Memoranda: | ||
| Average total assets | $230,320,500 | 2,621 |
| Average earning assets | $216,801,000 | 2,598 |
| Average equity | $26,805,500 | 2,650 |
| Average total loans | $191,002,000 | 2,257 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 709 |
| Cost of funding earning assets | 0.6704% | 3,314 |
| Net interest margin | 4.7004% | 471 |
| Noninterest income to average assets | 0.6038% | 2,200 |
| Noninterest expense to average assets | 3.6800% | 778 |
| Loan and lease loss provision to assets | 0.1322% | 1,615 |
| Net operating income to assets | 1.0787% | 2,529 |
| Return on assets (ROA) | 1.0787% | 2,628 |
| Pretax return on assets | 1.1733% | 2,936 |
| Return on Equity (ROE) | 9.2634% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.1987% | 911 |
| Net charge-offs to loans | 0.1561% | 1,285 |
| Credit loss provision to net charge-offs | 103.5971% | 2,389 |
| Earnings coverage of net charge-offs (x) | 10.2266% | 2,589 |
| Efficiency ratio | 73.8141% | 1,628 |
| Assets per employee ($millions) | 3.5133% | 4,472 |
| Cash dividends to net income (ytd only)* | 11.4943% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 2,820 |
| Loan loss allowance to noncurrent loans | 117.0282% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 1,605 |
| Noncurrent loans to loans | 0.9602% | 1,591 |
| Net loans and leases to total assets | 83.1523% | 410 |
| Net loans and leases to deposits | 96.7065% | 871 |
| Net loans and leases to core deposits | 102.5429% | 1,354 |
| Total domestic deposits to total assets | 85.9842% | 2,075 |
| Equity capital to assets | 11.6026% | 2,428 |
| Core capital (leverage) ratio | 11.6849% | 1,972 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,029 |
| Total risk-based capital ratio | 15.6754% | 2,962 |
| Memoranda: | ||
| Average total assets | $217,769,800 | 2,681 |
| Average earning assets | $203,003,400 | 2,681 |
| Average equity | $25,357,800 | 2,692 |
| Average total loans | $178,059,800 | 2,342 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 673 |
| Cost of funding earning assets | 0.6623% | 3,386 |
| Net interest margin | 4.7577% | 447 |
| Noninterest income to average assets | 0.5925% | 2,245 |
| Noninterest expense to average assets | 3.7349% | 713 |
| Loan and lease loss provision to assets | 0.1314% | 1,467 |
| Net operating income to assets | 1.0307% | 2,857 |
| Return on assets (ROA) | 1.0307% | 2,939 |
| Pretax return on assets | 1.1522% | 3,126 |
| Return on Equity (ROE) | 8.8432% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.2051% | 1,316 |
| Net charge-offs to loans | 0.1054% | 1,415 |
| Credit loss provision to net charge-offs | 153.6232% | 1,601 |
| Earnings coverage of net charge-offs (x) | 15.0068% | 2,218 |
| Efficiency ratio | 74.4226% | 1,506 |
| Assets per employee ($millions) | 3.4389% | 4,555 |
| Cash dividends to net income (ytd only)* | 7.2160% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,459 |
| Loan loss allowance to noncurrent loans | 129.3364% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 1,664 |
| Noncurrent loans to loans | 0.9352% | 1,720 |
| Net loans and leases to total assets | 82.4604% | 509 |
| Net loans and leases to deposits | 96.4869% | 960 |
| Net loans and leases to core deposits | 99.7839% | 1,675 |
| Total domestic deposits to total assets | 85.4628% | 2,229 |
| Equity capital to assets | 11.8015% | 2,417 |
| Core capital (leverage) ratio | 11.8022% | 1,995 |
| Tier 1 risk-based capital ratio | 14.8587% | 2,920 |
| Total risk-based capital ratio | 16.1091% | 2,841 |
| Memoranda: | ||
| Average total assets | $215,121,500 | 2,727 |
| Average earning assets | $200,120,250 | 2,732 |
| Average equity | $25,073,250 | 2,725 |
| Average total loans | $174,563,000 | 2,400 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 692 |
| Cost of funding earning assets | 0.6550% | 3,381 |
| Net interest margin | 4.7386% | 455 |
| Noninterest income to average assets | 0.5303% | 2,503 |
| Noninterest expense to average assets | 3.6025% | 847 |
| Loan and lease loss provision to assets | 0.1284% | 1,451 |
| Net operating income to assets | 1.0737% | 2,634 |
| Return on assets (ROA) | 1.0737% | 2,700 |
| Pretax return on assets | 1.1983% | 2,911 |
| Return on Equity (ROE) | 9.2520% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.2832% | 1,284 |
| Net charge-offs to loans | 0.0117% | 2,720 |
| Credit loss provision to net charge-offs | 1,370.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 141.6000% | 518 |
| Efficiency ratio | 73.0850% | 1,762 |
| Assets per employee ($millions) | 3.4190% | 4,585 |
| Cash dividends to net income (ytd only)* | 10.4712% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,937 |
| Loan loss allowance to noncurrent loans | 89.9921% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 922 |
| Noncurrent loans to loans | 1.4633% | 1,057 |
| Net loans and leases to total assets | 79.1515% | 1,016 |
| Net loans and leases to deposits | 92.7993% | 1,404 |
| Net loans and leases to core deposits | 95.0748% | 2,144 |
| Total domestic deposits to total assets | 85.2932% | 2,348 |
| Equity capital to assets | 11.8056% | 2,339 |
| Core capital (leverage) ratio | 11.6768% | 2,037 |
| Tier 1 risk-based capital ratio | 15.4048% | 2,657 |
| Total risk-based capital ratio | 16.6564% | 2,588 |
| Memoranda: | ||
| Average total assets | $213,465,330 | 2,749 |
| Average earning assets | $198,158,000 | 2,757 |
| Average equity | $24,773,000 | 2,742 |
| Average total loans | $171,514,330 | 2,442 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 653 |
| Cost of funding earning assets | 0.6534% | 3,305 |
| Net interest margin | 4.7339% | 463 |
| Noninterest income to average assets | 0.6362% | 1,880 |
| Noninterest expense to average assets | 3.6104% | 836 |
| Loan and lease loss provision to assets | 0.1995% | 805 |
| Net operating income to assets | 1.0880% | 2,519 |
| Return on assets (ROA) | 1.0880% | 2,561 |
| Pretax return on assets | 1.2179% | 2,738 |
| Return on Equity (ROE) | 9.4580% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.4944% | 1,849 |
| Net charge-offs to loans | 0.0211% | 2,032 |
| Credit loss provision to net charge-offs | 1,177.7778% | 328 |
| Earnings coverage of net charge-offs (x) | 83.6667% | 741 |
| Efficiency ratio | 71.8083% | 2,062 |
| Assets per employee ($millions) | 3.5412% | 4,525 |
| Cash dividends to net income (ytd only)* | 20.7612% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,082 |
| Loan loss allowance to noncurrent loans | 76.1017% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5911% | 726 |
| Noncurrent loans to loans | 1.7108% | 898 |
| Net loans and leases to total assets | 78.7834% | 1,018 |
| Net loans and leases to deposits | 92.3212% | 1,372 |
| Net loans and leases to core deposits | 94.4433% | 2,086 |
| Total domestic deposits to total assets | 85.3362% | 2,552 |
| Equity capital to assets | 11.4376% | 2,457 |
| Core capital (leverage) ratio | 11.5699% | 2,088 |
| Tier 1 risk-based capital ratio | 15.0610% | 2,868 |
| Total risk-based capital ratio | 16.3125% | 2,778 |
| Memoranda: | ||
| Average total assets | $212,499,500 | 2,786 |
| Average earning assets | $197,130,000 | 2,791 |
| Average equity | $24,445,000 | 2,764 |
| Average total loans | $170,889,000 | 2,464 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3521% | 532 |
| Cost of funding earning assets | 0.5502% | 3,047 |
| Net interest margin | 4.8018% | 397 |
| Noninterest income to average assets | 0.6781% | 1,933 |
| Noninterest expense to average assets | 3.6738% | 801 |
| Loan and lease loss provision to assets | 0.1752% | 1,129 |
| Net operating income to assets | 1.1711% | 2,306 |
| Return on assets (ROA) | 1.1711% | 2,299 |
| Pretax return on assets | 1.2870% | 2,551 |
| Return on Equity (ROE) | 10.3099% | 2,389 |
| Retained earnings to average equity (ytd only) | 10.3099% | 567 |
| Net charge-offs to loans | 0.1278% | 1,475 |
| Credit loss provision to net charge-offs | 167.7725% | 1,658 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,408 |
| Efficiency ratio | 71.5305% | 1,966 |
| Assets per employee ($millions) | 3.3707% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,205 |
| Loan loss allowance to noncurrent loans | 76.3869% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5786% | 724 |
| Noncurrent loans to loans | 1.6605% | 875 |
| Net loans and leases to total assets | 80.0066% | 942 |
| Net loans and leases to deposits | 94.1299% | 1,260 |
| Net loans and leases to core deposits | 97.0671% | 1,963 |
| Total domestic deposits to total assets | 84.9960% | 2,650 |
| Equity capital to assets | 11.5717% | 2,200 |
| Core capital (leverage) ratio | 11.6568% | 1,984 |
| Tier 1 risk-based capital ratio | 15.0627% | 2,803 |
| Total risk-based capital ratio | 16.3137% | 2,733 |
| Memoranda: | ||
| Average total assets | $202,024,000 | 2,846 |
| Average earning assets | $187,553,200 | 2,853 |
| Average equity | $22,948,800 | 2,826 |
| Average total loans | $165,115,000 | 2,480 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 509 |
| Cost of funding earning assets | 0.5284% | 3,008 |
| Net interest margin | 4.7876% | 383 |
| Noninterest income to average assets | 0.6644% | 2,005 |
| Noninterest expense to average assets | 3.6820% | 773 |
| Loan and lease loss provision to assets | 0.1445% | 1,375 |
| Net operating income to assets | 1.1423% | 2,475 |
| Return on assets (ROA) | 1.1423% | 2,487 |
| Pretax return on assets | 1.2828% | 2,686 |
| Return on Equity (ROE) | 10.1056% | 2,570 |
| Retained earnings to average equity (ytd only) | 10.1056% | 885 |
| Net charge-offs to loans | 0.1504% | 1,092 |
| Credit loss provision to net charge-offs | 117.2973% | 2,020 |
| Earnings coverage of net charge-offs (x) | 11.5892% | 2,503 |
| Efficiency ratio | 72.0651% | 1,874 |
| Assets per employee ($millions) | 3.1879% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,540 |
| Loan loss allowance to noncurrent loans | 83.0750% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 926 |
| Noncurrent loans to loans | 1.4629% | 1,113 |
| Net loans and leases to total assets | 81.1553% | 852 |
| Net loans and leases to deposits | 94.2809% | 1,353 |
| Net loans and leases to core deposits | 97.7611% | 1,956 |
| Total domestic deposits to total assets | 86.0782% | 2,154 |
| Equity capital to assets | 11.4941% | 2,264 |
| Core capital (leverage) ratio | 11.5708% | 2,116 |
| Tier 1 risk-based capital ratio | 14.9545% | 2,905 |
| Total risk-based capital ratio | 16.2049% | 2,825 |
| Memoranda: | ||
| Average total assets | $200,284,000 | 2,884 |
| Average earning assets | $185,948,250 | 2,889 |
| Average equity | $22,640,250 | 2,861 |
| Average total loans | $164,056,500 | 2,506 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 490 |
| Cost of funding earning assets | 0.5022% | 2,997 |
| Net interest margin | 4.7782% | 373 |
| Noninterest income to average assets | 0.6471% | 2,107 |
| Noninterest expense to average assets | 3.6657% | 804 |
| Loan and lease loss provision to assets | 0.1417% | 1,376 |
| Net operating income to assets | 1.1375% | 2,446 |
| Return on assets (ROA) | 1.1375% | 2,452 |
| Pretax return on assets | 1.2761% | 2,608 |
| Return on Equity (ROE) | 10.1207% | 2,512 |
| Retained earnings to average equity (ytd only) | 10.1207% | 898 |
| Net charge-offs to loans | 0.0749% | 1,579 |
| Credit loss provision to net charge-offs | 231.1475% | 1,190 |
| Earnings coverage of net charge-offs (x) | 23.1311% | 1,720 |
| Efficiency ratio | 72.1091% | 1,988 |
| Assets per employee ($millions) | 3.0978% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,291 |
| Loan loss allowance to noncurrent loans | 74.4111% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 758 |
| Noncurrent loans to loans | 1.7163% | 927 |
| Net loans and leases to total assets | 81.2929% | 809 |
| Net loans and leases to deposits | 94.7230% | 1,281 |
| Net loans and leases to core deposits | 98.9210% | 1,820 |
| Total domestic deposits to total assets | 85.8218% | 2,357 |
| Equity capital to assets | 11.5524% | 2,164 |
| Core capital (leverage) ratio | 11.4305% | 2,131 |
| Tier 1 risk-based capital ratio | 15.1150% | 2,819 |
| Total risk-based capital ratio | 16.3660% | 2,743 |
| Memoranda: | ||
| Average total assets | $199,036,670 | 2,907 |
| Average earning assets | $184,796,330 | 2,919 |
| Average equity | $22,370,000 | 2,894 |
| Average total loans | $162,870,330 | 2,523 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 486 |
| Cost of funding earning assets | 0.4774% | 2,984 |
| Net interest margin | 4.7247% | 393 |
| Noninterest income to average assets | 0.6940% | 1,856 |
| Noninterest expense to average assets | 3.6224% | 848 |
| Loan and lease loss provision to assets | 0.2126% | 757 |
| Net operating income to assets | 1.1132% | 2,365 |
| Return on assets (ROA) | 1.1132% | 2,386 |
| Pretax return on assets | 1.2456% | 2,575 |
| Return on Equity (ROE) | 10.0439% | 2,401 |
| Retained earnings to average equity (ytd only) | 10.0439% | 1,139 |
| Net charge-offs to loans | 0.0639% | 1,466 |
| Credit loss provision to net charge-offs | 407.6923% | 683 |
| Earnings coverage of net charge-offs (x) | 27.9615% | 1,289 |
| Efficiency ratio | 71.2989% | 2,301 |
| Assets per employee ($millions) | 3.1870% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,317 |
| Loan loss allowance to noncurrent loans | 76.9373% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.7048% | 744 |
| Noncurrent loans to loans | 1.6688% | 1,027 |
| Net loans and leases to total assets | 79.8402% | 961 |
| Net loans and leases to deposits | 93.7565% | 1,246 |
| Net loans and leases to core deposits | 100.2495% | 1,672 |
| Total domestic deposits to total assets | 85.1570% | 2,880 |
| Equity capital to assets | 11.1270% | 2,457 |
| Core capital (leverage) ratio | 11.1237% | 2,318 |
| Tier 1 risk-based capital ratio | 14.8766% | 2,936 |
| Total risk-based capital ratio | 16.1279% | 2,865 |
| Memoranda: | ||
| Average total assets | $199,424,000 | 2,936 |
| Average earning assets | $185,154,500 | 2,938 |
| Average equity | $22,103,000 | 2,950 |
| Average total loans | $162,676,500 | 2,545 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 371 |
| Cost of funding earning assets | 0.4590% | 2,689 |
| Net interest margin | 4.8330% | 328 |
| Noninterest income to average assets | 0.5884% | 2,501 |
| Noninterest expense to average assets | 3.5219% | 996 |
| Loan and lease loss provision to assets | 0.1967% | 1,062 |
| Net operating income to assets | 0.8722% | 2,854 |
| Return on assets (ROA) | 0.8722% | 2,876 |
| Pretax return on assets | 1.3244% | 2,268 |
| Return on Equity (ROE) | 8.0099% | 2,788 |
| Retained earnings to average equity (ytd only) | 6.4813% | 1,288 |
| Net charge-offs to loans | 0.2461% | 1,057 |
| Credit loss provision to net charge-offs | 95.7606% | 2,694 |
| Earnings coverage of net charge-offs (x) | 7.4065% | 3,047 |
| Efficiency ratio | 69.8385% | 2,585 |
| Assets per employee ($millions) | 3.4148% | 4,805 |
| Cash dividends to net income (ytd only)* | 19.0840% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,599 |
| Loan loss allowance to noncurrent loans | 65.9106% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7050% | 752 |
| Noncurrent loans to loans | 1.8667% | 846 |
| Net loans and leases to total assets | 81.2674% | 785 |
| Net loans and leases to deposits | 96.3255% | 1,059 |
| Net loans and leases to core deposits | 103.8037% | 1,424 |
| Total domestic deposits to total assets | 84.3674% | 3,077 |
| Equity capital to assets | 11.0365% | 2,598 |
| Core capital (leverage) ratio | 10.8984% | 2,429 |
| Tier 1 risk-based capital ratio | 14.5183% | 3,080 |
| Total risk-based capital ratio | 15.7693% | 2,997 |
| Memoranda: | ||
| Average total assets | $195,263,200 | 2,967 |
| Average earning assets | $179,972,200 | 2,966 |
| Average equity | $21,261,200 | 3,014 |
| Average total loans | $162,973,200 | 2,510 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 340 |
| Cost of funding earning assets | 0.4513% | 2,704 |
| Net interest margin | 4.8463% | 304 |
| Noninterest income to average assets | 0.6483% | 2,217 |
| Noninterest expense to average assets | 3.4860% | 1,016 |
| Loan and lease loss provision to assets | 0.2193% | 846 |
| Net operating income to assets | 1.0608% | 2,282 |
| Return on assets (ROA) | 1.0608% | 2,314 |
| Pretax return on assets | 1.4021% | 2,110 |
| Return on Equity (ROE) | 9.7763% | 2,217 |
| Retained earnings to average equity (ytd only) | 7.7238% | 1,335 |
| Net charge-offs to loans | 0.1890% | 1,113 |
| Credit loss provision to net charge-offs | 138.5281% | 1,789 |
| Earnings coverage of net charge-offs (x) | 10.2425% | 2,616 |
| Efficiency ratio | 68.2544% | 2,831 |
| Assets per employee ($millions) | 3.6767% | 4,480 |
| Cash dividends to net income (ytd only)* | 20.9947% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,389 |
| Loan loss allowance to noncurrent loans | 66.4254% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.1985% | 553 |
| Noncurrent loans to loans | 1.9465% | 884 |
| Net loans and leases to total assets | 81.1678% | 813 |
| Net loans and leases to deposits | 96.6018% | 1,055 |
| Net loans and leases to core deposits | 105.2222% | 1,318 |
| Total domestic deposits to total assets | 84.0231% | 3,115 |
| Equity capital to assets | 10.9739% | 2,884 |
| Core capital (leverage) ratio | 10.8168% | 2,628 |
| Tier 1 risk-based capital ratio | 14.3040% | 3,298 |
| Total risk-based capital ratio | 15.5556% | 3,199 |
| Memoranda: | ||
| Average total assets | $194,563,750 | 2,999 |
| Average earning assets | $179,020,000 | 2,997 |
| Average equity | $21,111,750 | 3,055 |
| Average total loans | $162,975,500 | 2,519 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 335 |
| Cost of funding earning assets | 0.4312% | 2,794 |
| Net interest margin | 4.8662% | 277 |
| Noninterest income to average assets | 0.6583% | 2,175 |
| Noninterest expense to average assets | 3.5045% | 1,002 |
| Loan and lease loss provision to assets | 0.2432% | 694 |
| Net operating income to assets | 1.0505% | 2,204 |
| Return on assets (ROA) | 1.0505% | 2,247 |
| Pretax return on assets | 1.3838% | 2,082 |
| Return on Equity (ROE) | 9.7193% | 2,162 |
| Retained earnings to average equity (ytd only) | 7.0860% | 1,556 |
| Net charge-offs to loans | 0.1093% | 1,541 |
| Credit loss provision to net charge-offs | 264.0449% | 1,046 |
| Earnings coverage of net charge-offs (x) | 17.6629% | 1,916 |
| Efficiency ratio | 68.2937% | 2,958 |
| Assets per employee ($millions) | 3.4561% | 4,788 |
| Cash dividends to net income (ytd only)* | 27.0936% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,333 |
| Loan loss allowance to noncurrent loans | 49.8162% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.7589% | 357 |
| Noncurrent loans to loans | 2.6410% | 541 |
| Net loans and leases to total assets | 82.5504% | 601 |
| Net loans and leases to deposits | 98.5719% | 836 |
| Net loans and leases to core deposits | 109.3317% | 1,036 |
| Total domestic deposits to total assets | 83.7464% | 3,307 |
| Equity capital to assets | 10.8144% | 3,016 |
| Core capital (leverage) ratio | 10.8326% | 2,568 |
| Tier 1 risk-based capital ratio | 13.8438% | 3,509 |
| Total risk-based capital ratio | 15.0955% | 3,429 |
| Memoranda: | ||
| Average total assets | $193,237,330 | 3,029 |
| Average earning assets | $177,632,330 | 3,023 |
| Average equity | $20,886,330 | 3,072 |
| Average total loans | $162,879,330 | 2,518 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 294 |
| Cost of funding earning assets | 0.4212% | 2,806 |
| Net interest margin | 4.9363% | 247 |
| Noninterest income to average assets | 0.7149% | 1,897 |
| Noninterest expense to average assets | 3.5556% | 965 |
| Loan and lease loss provision to assets | 0.2906% | 482 |
| Net operating income to assets | 1.0640% | 2,014 |
| Return on assets (ROA) | 1.0640% | 2,053 |
| Pretax return on assets | 1.4005% | 1,888 |
| Return on Equity (ROE) | 9.8465% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.9775% | 2,351 |
| Net charge-offs to loans | 0.1013% | 1,360 |
| Credit loss provision to net charge-offs | 339.0244% | 729 |
| Earnings coverage of net charge-offs (x) | 19.7317% | 1,514 |
| Efficiency ratio | 67.7689% | 3,237 |
| Assets per employee ($millions) | 3.3865% | 4,948 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,537 |
| Loan loss allowance to noncurrent loans | 62.3346% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.4970% | 458 |
| Noncurrent loans to loans | 2.0853% | 842 |
| Net loans and leases to total assets | 83.3921% | 424 |
| Net loans and leases to deposits | 98.6808% | 711 |
| Net loans and leases to core deposits | 109.3271% | 912 |
| Total domestic deposits to total assets | 84.5070% | 3,292 |
| Equity capital to assets | 10.7901% | 2,867 |
| Core capital (leverage) ratio | 10.7038% | 2,685 |
| Tier 1 risk-based capital ratio | 13.7979% | 3,605 |
| Total risk-based capital ratio | 15.0495% | 3,512 |
| Memoranda: | ||
| Average total assets | $191,358,000 | 3,083 |
| Average earning assets | $175,678,000 | 3,073 |
| Average equity | $20,677,500 | 3,103 |
| Average total loans | $161,924,500 | 2,552 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3953% | 298 |
| Cost of funding earning assets | 0.4176% | 2,831 |
| Net interest margin | 4.9777% | 260 |
| Noninterest income to average assets | 0.6895% | 2,218 |
| Noninterest expense to average assets | 3.7332% | 843 |
| Loan and lease loss provision to assets | 0.2878% | 668 |
| Net operating income to assets | 0.9431% | 2,616 |
| Return on assets (ROA) | 0.9431% | 2,726 |
| Pretax return on assets | 1.2212% | 2,586 |
| Return on Equity (ROE) | 8.6943% | 2,569 |
| Retained earnings to average equity (ytd only) | 2.6532% | 4,013 |
| Net charge-offs to loans | 0.3964% | 664 |
| Credit loss provision to net charge-offs | 86.9144% | 2,856 |
| Earnings coverage of net charge-offs (x) | 4.5574% | 3,479 |
| Efficiency ratio | 71.2143% | 2,710 |
| Assets per employee ($millions) | 3.3278% | 5,006 |
| Cash dividends to net income (ytd only)* | 69.4838% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,771 |
| Loan loss allowance to noncurrent loans | 53.7909% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.7298% | 411 |
| Noncurrent loans to loans | 2.3383% | 702 |
| Net loans and leases to total assets | 83.6831% | 413 |
| Net loans and leases to deposits | 99.5223% | 699 |
| Net loans and leases to core deposits | 109.0010% | 960 |
| Total domestic deposits to total assets | 84.0848% | 3,396 |
| Equity capital to assets | 10.8215% | 2,794 |
| Core capital (leverage) ratio | 10.7007% | 2,654 |
| Tier 1 risk-based capital ratio | 13.7464% | 3,615 |
| Total risk-based capital ratio | 14.9975% | 3,515 |
| Memoranda: | ||
| Average total assets | $186,944,800 | 3,089 |
| Average earning assets | $170,982,200 | 3,102 |
| Average equity | $20,277,600 | 3,141 |
| Average total loans | $156,136,200 | 2,567 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 258 |
| Cost of funding earning assets | 0.4176% | 2,862 |
| Net interest margin | 5.0534% | 228 |
| Noninterest income to average assets | 0.7008% | 2,161 |
| Noninterest expense to average assets | 3.8247% | 731 |
| Loan and lease loss provision to assets | 0.2878% | 603 |
| Net operating income to assets | 0.9234% | 2,788 |
| Return on assets (ROA) | 0.9234% | 2,917 |
| Pretax return on assets | 1.2055% | 2,812 |
| Return on Equity (ROE) | 8.5082% | 2,757 |
| Retained earnings to average equity (ytd only) | 2.4073% | 4,472 |
| Net charge-offs to loans | 0.3983% | 544 |
| Credit loss provision to net charge-offs | 86.8251% | 2,581 |
| Earnings coverage of net charge-offs (x) | 4.5054% | 3,262 |
| Efficiency ratio | 71.9209% | 2,593 |
| Assets per employee ($millions) | 3.1877% | 5,197 |
| Cash dividends to net income (ytd only)* | 71.7052% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,800 |
| Loan loss allowance to noncurrent loans | 54.9072% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 553 |
| Noncurrent loans to loans | 2.3315% | 787 |
| Net loans and leases to total assets | 82.3325% | 573 |
| Net loans and leases to deposits | 98.5136% | 809 |
| Net loans and leases to core deposits | 107.5865% | 1,077 |
| Total domestic deposits to total assets | 83.5748% | 3,367 |
| Equity capital to assets | 10.6828% | 3,372 |
| Core capital (leverage) ratio | 10.5721% | 2,907 |
| Tier 1 risk-based capital ratio | 13.4518% | 3,890 |
| Total risk-based capital ratio | 14.7028% | 3,799 |
| Memoranda: | ||
| Average total assets | $186,259,250 | 3,106 |
| Average earning assets | $170,177,000 | 3,122 |
| Average equity | $20,215,250 | 3,171 |
| Average total loans | $154,980,750 | 2,581 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 262 |
| Cost of funding earning assets | 0.4100% | 2,940 |
| Net interest margin | 5.0814% | 223 |
| Noninterest income to average assets | 0.7075% | 2,114 |
| Noninterest expense to average assets | 3.8940% | 682 |
| Loan and lease loss provision to assets | 0.3164% | 550 |
| Net operating income to assets | 0.8928% | 2,894 |
| Return on assets (ROA) | 0.8928% | 3,020 |
| Pretax return on assets | 1.1571% | 2,953 |
| Return on Equity (ROE) | 8.1815% | 2,889 |
| Retained earnings to average equity (ytd only) | 2.3730% | 4,368 |
| Net charge-offs to loans | 0.4274% | 526 |
| Credit loss provision to net charge-offs | 89.0244% | 2,256 |
| Earnings coverage of net charge-offs (x) | 4.1463% | 3,015 |
| Efficiency ratio | 72.5474% | 2,578 |
| Assets per employee ($millions) | 3.1641% | 5,257 |
| Cash dividends to net income (ytd only)* | 70.9951% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,677 |
| Loan loss allowance to noncurrent loans | 53.4247% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 564 |
| Noncurrent loans to loans | 2.4695% | 719 |
| Net loans and leases to total assets | 81.4369% | 687 |
| Net loans and leases to deposits | 100.0621% | 694 |
| Net loans and leases to core deposits | 108.3041% | 1,023 |
| Total domestic deposits to total assets | 81.3863% | 4,165 |
| Equity capital to assets | 10.6951% | 3,403 |
| Core capital (leverage) ratio | 10.5933% | 2,854 |
| Tier 1 risk-based capital ratio | 13.2999% | 4,022 |
| Total risk-based capital ratio | 14.5513% | 3,935 |
| Memoranda: | ||
| Average total assets | $184,592,000 | 3,137 |
| Average earning assets | $169,284,000 | 3,150 |
| Average equity | $20,143,000 | 3,185 |
| Average total loans | $153,470,330 | 2,607 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6493% | 203 |
| Cost of funding earning assets | 0.4027% | 3,038 |
| Net interest margin | 5.2466% | 161 |
| Noninterest income to average assets | 0.7298% | 1,906 |
| Noninterest expense to average assets | 4.0007% | 600 |
| Loan and lease loss provision to assets | 0.4308% | 304 |
| Net operating income to assets | 0.7430% | 3,520 |
| Return on assets (ROA) | 0.7430% | 3,627 |
| Pretax return on assets | 1.1101% | 3,055 |
| Return on Equity (ROE) | 6.7389% | 3,596 |
| Retained earnings to average equity (ytd only) | 0.7576% | 4,918 |
| Net charge-offs to loans | 0.2186% | 933 |
| Credit loss provision to net charge-offs | 236.1446% | 978 |
| Earnings coverage of net charge-offs (x) | 8.4458% | 2,055 |
| Efficiency ratio | 72.1936% | 2,771 |
| Assets per employee ($millions) | 3.0551% | 5,448 |
| Cash dividends to net income (ytd only)* | 88.7574% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 2,253 |
| Loan loss allowance to noncurrent loans | 56.8205% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.2816% | 699 |
| Noncurrent loans to loans | 2.5313% | 733 |
| Net loans and leases to total assets | 81.4836% | 631 |
| Net loans and leases to deposits | 101.0891% | 556 |
| Net loans and leases to core deposits | 107.3371% | 1,003 |
| Total domestic deposits to total assets | 80.6057% | 4,606 |
| Equity capital to assets | 10.7840% | 3,176 |
| Core capital (leverage) ratio | 10.7169% | 2,706 |
| Tier 1 risk-based capital ratio | 13.4971% | 3,979 |
| Total risk-based capital ratio | 14.7498% | 3,901 |
| Memoranda: | ||
| Average total assets | $181,966,000 | 3,180 |
| Average earning assets | $166,888,000 | 3,188 |
| Average equity | $20,062,500 | 3,192 |
| Average total loans | $151,870,500 | 2,619 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7187% | 195 |
| Cost of funding earning assets | 0.3515% | 3,687 |
| Net interest margin | 5.3672% | 152 |
| Noninterest income to average assets | 0.6955% | 2,221 |
| Noninterest expense to average assets | 3.9112% | 746 |
| Loan and lease loss provision to assets | 0.1807% | 1,252 |
| Net operating income to assets | 1.1406% | 1,768 |
| Return on assets (ROA) | 1.1406% | 1,833 |
| Pretax return on assets | 1.5221% | 1,487 |
| Return on Equity (ROE) | 10.0200% | 2,002 |
| Retained earnings to average equity (ytd only) | 2.9462% | 3,966 |
| Net charge-offs to loans | 0.2687% | 1,130 |
| Credit loss provision to net charge-offs | 79.6438% | 2,955 |
| Earnings coverage of net charge-offs (x) | 7.5064% | 3,074 |
| Efficiency ratio | 69.6689% | 3,273 |
| Assets per employee ($millions) | 2.9110% | 5,603 |
| Cash dividends to net income (ytd only)* | 70.5972% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,396 |
| Loan loss allowance to noncurrent loans | 44.8114% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.8411% | 484 |
| Noncurrent loans to loans | 3.1355% | 498 |
| Net loans and leases to total assets | 83.1039% | 476 |
| Net loans and leases to deposits | 98.9314% | 753 |
| Net loans and leases to core deposits | 104.2728% | 1,207 |
| Total domestic deposits to total assets | 84.0015% | 3,480 |
| Equity capital to assets | 11.2787% | 2,560 |
| Core capital (leverage) ratio | 11.0069% | 2,398 |
| Tier 1 risk-based capital ratio | 13.5923% | 3,956 |
| Total risk-based capital ratio | 14.8445% | 3,886 |
| Memoranda: | ||
| Average total assets | $173,245,000 | 3,258 |
| Average earning assets | $158,761,000 | 3,269 |
| Average equity | $19,720,600 | 3,200 |
| Average total loans | $146,249,800 | 2,649 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7898% | 173 |
| Cost of funding earning assets | 0.3548% | 3,695 |
| Net interest margin | 5.4349% | 139 |
| Noninterest income to average assets | 0.6629% | 2,416 |
| Noninterest expense to average assets | 3.9558% | 699 |
| Loan and lease loss provision to assets | 0.0558% | 3,080 |
| Net operating income to assets | 1.0850% | 2,075 |
| Return on assets (ROA) | 1.0850% | 2,160 |
| Pretax return on assets | 1.6217% | 1,326 |
| Return on Equity (ROE) | 9.5091% | 2,311 |
| Retained earnings to average equity (ytd only) | 2.4163% | 4,664 |
| Net charge-offs to loans | 0.2100% | 1,237 |
| Credit loss provision to net charge-offs | 31.4410% | 3,260 |
| Earnings coverage of net charge-offs (x) | 9.4584% | 2,697 |
| Efficiency ratio | 70.2227% | 3,172 |
| Assets per employee ($millions) | 2.9115% | 5,640 |
| Cash dividends to net income (ytd only)* | 74.5898% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,763 |
| Loan loss allowance to noncurrent loans | 43.9384% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.8411% | 563 |
| Noncurrent loans to loans | 3.1053% | 552 |
| Net loans and leases to total assets | 83.8432% | 395 |
| Net loans and leases to deposits | 100.9637% | 611 |
| Net loans and leases to core deposits | 106.9432% | 1,039 |
| Total domestic deposits to total assets | 83.0429% | 3,807 |
| Equity capital to assets | 11.3499% | 2,647 |
| Core capital (leverage) ratio | 11.0545% | 2,427 |
| Tier 1 risk-based capital ratio | 13.5308% | 4,124 |
| Total risk-based capital ratio | 14.7828% | 4,052 |
| Memoranda: | ||
| Average total assets | $172,163,000 | 3,297 |
| Average earning assets | $157,446,250 | 3,324 |
| Average equity | $19,643,750 | 3,237 |
| Average total loans | $145,394,000 | 2,671 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8591% | 155 |
| Cost of funding earning assets | 0.3563% | 3,742 |
| Net interest margin | 5.5028% | 123 |
| Noninterest income to average assets | 0.6829% | 2,289 |
| Noninterest expense to average assets | 4.0404% | 644 |
| Loan and lease loss provision to assets | 0.0537% | 3,046 |
| Net operating income to assets | 1.0833% | 2,000 |
| Return on assets (ROA) | 1.0833% | 2,106 |
| Pretax return on assets | 1.6192% | 1,278 |
| Return on Equity (ROE) | 9.4778% | 2,307 |
| Retained earnings to average equity (ytd only) | 2.3797% | 4,543 |
| Net charge-offs to loans | 0.1469% | 1,609 |
| Credit loss provision to net charge-offs | 43.3962% | 2,776 |
| Earnings coverage of net charge-offs (x) | 13.5189% | 2,126 |
| Efficiency ratio | 70.7192% | 3,211 |
| Assets per employee ($millions) | 2.8488% | 5,768 |
| Cash dividends to net income (ytd only)* | 74.8922% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 2,516 |
| Loan loss allowance to noncurrent loans | 43.0891% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0885% | 523 |
| Noncurrent loans to loans | 3.3629% | 538 |
| Net loans and leases to total assets | 84.4740% | 342 |
| Net loans and leases to deposits | 100.8310% | 603 |
| Net loans and leases to core deposits | 105.7300% | 1,082 |
| Total domestic deposits to total assets | 83.7778% | 3,659 |
| Equity capital to assets | 11.5173% | 2,398 |
| Core capital (leverage) ratio | 11.2028% | 2,243 |
| Tier 1 risk-based capital ratio | 13.5969% | 4,163 |
| Total risk-based capital ratio | 14.8497% | 4,091 |
| Memoranda: | ||
| Average total assets | $171,321,330 | 3,325 |
| Average earning assets | $156,611,330 | 3,353 |
| Average equity | $19,582,670 | 3,266 |
| Average total loans | $144,362,000 | 2,695 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9739% | 130 |
| Cost of funding earning assets | 0.3469% | 3,899 |
| Net interest margin | 5.6270% | 103 |
| Noninterest income to average assets | 0.7299% | 2,023 |
| Noninterest expense to average assets | 4.0299% | 663 |
| Loan and lease loss provision to assets | 0.0023% | 3,683 |
| Net operating income to assets | 1.2314% | 1,457 |
| Return on assets (ROA) | 1.2314% | 1,546 |
| Pretax return on assets | 1.8424% | 809 |
| Return on Equity (ROE) | 10.8136% | 1,685 |
| Retained earnings to average equity (ytd only) | 2.4167% | 4,487 |
| Net charge-offs to loans | 0.2792% | 863 |
| Credit loss provision to net charge-offs | 1.0000% | 2,487 |
| Earnings coverage of net charge-offs (x) | 7.9100% | 2,124 |
| Efficiency ratio | 68.5987% | 3,725 |
| Assets per employee ($millions) | 2.9572% | 5,720 |
| Cash dividends to net income (ytd only)* | 77.6515% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 2,704 |
| Loan loss allowance to noncurrent loans | 37.1281% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 3.4778% | 478 |
| Noncurrent loans to loans | 3.8932% | 454 |
| Net loans and leases to total assets | 82.8437% | 388 |
| Net loans and leases to deposits | 99.1190% | 614 |
| Net loans and leases to core deposits | 104.5748% | 1,030 |
| Total domestic deposits to total assets | 83.5801% | 3,980 |
| Equity capital to assets | 11.4234% | 2,537 |
| Core capital (leverage) ratio | 11.1654% | 2,252 |
| Tier 1 risk-based capital ratio | 13.7029% | 4,221 |
| Total risk-based capital ratio | 14.8271% | 4,202 |
| Memoranda: | ||
| Average total assets | $171,519,000 | 3,337 |
| Average earning assets | $156,815,500 | 3,367 |
| Average equity | $19,531,000 | 3,286 |
| Average total loans | $143,287,500 | 2,712 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 187 |
| Cost of funding earning assets | 0.3874% | 3,827 |
| Net interest margin | 5.4573% | 142 |
| Noninterest income to average assets | 0.6891% | 2,350 |
| Noninterest expense to average assets | 4.0314% | 728 |
| Loan and lease loss provision to assets | 0.1488% | 1,761 |
| Net operating income to assets | 1.1590% | 1,726 |
| Return on assets (ROA) | 1.1590% | 1,799 |
| Pretax return on assets | 1.5024% | 1,535 |
| Return on Equity (ROE) | 10.3684% | 1,964 |
| Retained earnings to average equity (ytd only) | 3.7899% | 3,523 |
| Net charge-offs to loans | 0.2182% | 1,925 |
| Credit loss provision to net charge-offs | 81.6720% | 2,832 |
| Earnings coverage of net charge-offs (x) | 9.0611% | 2,799 |
| Efficiency ratio | 70.9425% | 3,383 |
| Assets per employee ($millions) | 2.8587% | 5,879 |
| Cash dividends to net income (ytd only)* | 63.4479% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,332 |
| Loan loss allowance to noncurrent loans | 38.5757% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 3.5156% | 530 |
| Noncurrent loans to loans | 3.9740% | 471 |
| Net loans and leases to total assets | 81.7492% | 549 |
| Net loans and leases to deposits | 97.7912% | 779 |
| Net loans and leases to core deposits | 105.2238% | 1,061 |
| Total domestic deposits to total assets | 83.5956% | 3,881 |
| Equity capital to assets | 11.3508% | 2,561 |
| Core capital (leverage) ratio | 11.0767% | 2,335 |
| Tier 1 risk-based capital ratio | 14.6564% | 3,693 |
| Total risk-based capital ratio | 15.9117% | 3,615 |
| Memoranda: | ||
| Average total assets | $170,659,200 | 3,329 |
| Average earning assets | $156,157,600 | 3,337 |
| Average equity | $19,077,200 | 3,280 |
| Average total loans | $142,538,600 | 2,677 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8533% | 178 |
| Cost of funding earning assets | 0.3918% | 3,881 |
| Net interest margin | 5.4615% | 145 |
| Noninterest income to average assets | 0.6931% | 2,363 |
| Noninterest expense to average assets | 4.0270% | 731 |
| Loan and lease loss provision to assets | 0.1392% | 1,795 |
| Net operating income to assets | 1.0287% | 2,331 |
| Return on assets (ROA) | 1.0287% | 2,387 |
| Pretax return on assets | 1.5316% | 1,536 |
| Return on Equity (ROE) | 9.2379% | 2,571 |
| Retained earnings to average equity (ytd only) | 3.0910% | 4,422 |
| Net charge-offs to loans | 0.1936% | 1,917 |
| Credit loss provision to net charge-offs | 85.9903% | 2,495 |
| Earnings coverage of net charge-offs (x) | 10.3190% | 2,556 |
| Efficiency ratio | 70.6755% | 3,392 |
| Assets per employee ($millions) | 2.9127% | 5,833 |
| Cash dividends to net income (ytd only)* | 66.5400% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 2,489 |
| Loan loss allowance to noncurrent loans | 42.3969% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 3.2505% | 688 |
| Noncurrent loans to loans | 3.6628% | 633 |
| Net loans and leases to total assets | 81.5632% | 552 |
| Net loans and leases to deposits | 98.3525% | 715 |
| Net loans and leases to core deposits | 106.3910% | 934 |
| Total domestic deposits to total assets | 82.9295% | 4,175 |
| Equity capital to assets | 11.1637% | 2,798 |
| Core capital (leverage) ratio | 10.9333% | 2,553 |
| Tier 1 risk-based capital ratio | 14.3891% | 3,950 |
| Total risk-based capital ratio | 15.6447% | 3,887 |
| Memoranda: | ||
| Average total assets | $170,443,750 | 3,360 |
| Average earning assets | $156,193,500 | 3,356 |
| Average equity | $18,979,250 | 3,305 |
| Average total loans | $142,573,250 | 2,690 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8809% | 172 |
| Cost of funding earning assets | 0.3958% | 3,907 |
| Net interest margin | 5.4851% | 136 |
| Noninterest income to average assets | 0.6895% | 2,332 |
| Noninterest expense to average assets | 4.0336% | 733 |
| Loan and lease loss provision to assets | 0.1165% | 2,093 |
| Net operating income to assets | 1.0496% | 2,120 |
| Return on assets (ROA) | 1.0496% | 2,194 |
| Pretax return on assets | 1.5614% | 1,357 |
| Return on Equity (ROE) | 9.4338% | 2,402 |
| Retained earnings to average equity (ytd only) | 3.5112% | 3,967 |
| Net charge-offs to loans | 0.1514% | 2,179 |
| Credit loss provision to net charge-offs | 91.6667% | 2,151 |
| Earnings coverage of net charge-offs (x) | 13.2037% | 1,990 |
| Efficiency ratio | 70.6222% | 3,550 |
| Assets per employee ($millions) | 2.8466% | 5,966 |
| Cash dividends to net income (ytd only)* | 62.7803% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 2,640 |
| Loan loss allowance to noncurrent loans | 41.0261% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 3.4011% | 697 |
| Noncurrent loans to loans | 3.7941% | 651 |
| Net loans and leases to total assets | 82.6115% | 411 |
| Net loans and leases to deposits | 100.2886% | 545 |
| Net loans and leases to core deposits | 108.9047% | 732 |
| Total domestic deposits to total assets | 82.3738% | 4,514 |
| Equity capital to assets | 11.1776% | 2,718 |
| Core capital (leverage) ratio | 10.9810% | 2,445 |
| Tier 1 risk-based capital ratio | 14.3542% | 4,025 |
| Total risk-based capital ratio | 15.6102% | 3,955 |
| Memoranda: | ||
| Average total assets | $169,974,330 | 3,382 |
| Average earning assets | $155,622,000 | 3,382 |
| Average equity | $18,910,670 | 3,299 |
| Average total loans | $142,638,000 | 2,693 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 163 |
| Cost of funding earning assets | 0.3987% | 3,982 |
| Net interest margin | 5.5075% | 127 |
| Noninterest income to average assets | 0.6487% | 2,470 |
| Noninterest expense to average assets | 4.0339% | 725 |
| Loan and lease loss provision to assets | 0.3727% | 455 |
| Net operating income to assets | 0.8705% | 2,789 |
| Return on assets (ROA) | 0.8705% | 2,858 |
| Pretax return on assets | 1.2927% | 2,116 |
| Return on Equity (ROE) | 7.8425% | 3,022 |
| Retained earnings to average equity (ytd only) | 2.3166% | 4,677 |
| Net charge-offs to loans | 0.1209% | 1,999 |
| Credit loss provision to net charge-offs | 367.4419% | 690 |
| Earnings coverage of net charge-offs (x) | 16.4186% | 1,510 |
| Efficiency ratio | 70.7781% | 3,688 |
| Assets per employee ($millions) | 2.7899% | 6,109 |
| Cash dividends to net income (ytd only)* | 70.4607% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 2,471 |
| Loan loss allowance to noncurrent loans | 41.6814% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 3.6056% | 713 |
| Noncurrent loans to loans | 3.9827% | 677 |
| Net loans and leases to total assets | 81.9757% | 360 |
| Net loans and leases to deposits | 101.9460% | 367 |
| Net loans and leases to core deposits | 110.1899% | 581 |
| Total domestic deposits to total assets | 80.4109% | 5,400 |
| Equity capital to assets | 11.0917% | 2,633 |
| Core capital (leverage) ratio | 10.8668% | 2,529 |
| Tier 1 risk-based capital ratio | 14.3369% | 4,106 |
| Total risk-based capital ratio | 15.5940% | 4,057 |
| Memoranda: | ||
| Average total assets | $169,563,000 | 3,415 |
| Average earning assets | $155,497,000 | 3,407 |
| Average equity | $18,820,500 | 3,310 |
| Average total loans | $142,292,500 | 2,699 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1015% | 149 |
| Cost of funding earning assets | 0.4338% | 4,276 |
| Net interest margin | 5.6677% | 108 |
| Noninterest income to average assets | 0.6899% | 2,600 |
| Noninterest expense to average assets | 3.8316% | 1,090 |
| Loan and lease loss provision to assets | 0.3249% | 1,006 |
| Net operating income to assets | 1.2272% | 1,459 |
| Return on assets (ROA) | 1.2412% | 1,476 |
| Pretax return on assets | 1.7147% | 919 |
| Return on Equity (ROE) | 11.4468% | 1,617 |
| Retained earnings to average equity (ytd only) | 4.0241% | 3,327 |
| Net charge-offs to loans | 0.5573% | 1,184 |
| Credit loss provision to net charge-offs | 70.1018% | 3,304 |
| Earnings coverage of net charge-offs (x) | 4.3588% | 3,594 |
| Efficiency ratio | 65.4776% | 4,657 |
| Assets per employee ($millions) | 2.8158% | 6,084 |
| Cash dividends to net income (ytd only)* | 64.8456% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 2,887 |
| Loan loss allowance to noncurrent loans | 42.0026% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.4532% | 857 |
| Noncurrent loans to loans | 3.7366% | 801 |
| Net loans and leases to total assets | 83.1531% | 316 |
| Net loans and leases to deposits | 104.2074% | 316 |
| Net loans and leases to core deposits | 111.6362% | 551 |
| Total domestic deposits to total assets | 79.7958% | 5,494 |
| Equity capital to assets | 11.1072% | 2,516 |
| Core capital (leverage) ratio | 10.8875% | 2,492 |
| Tier 1 risk-based capital ratio | 14.2734% | 4,100 |
| Total risk-based capital ratio | 15.5293% | 4,040 |
| Memoranda: | ||
| Average total assets | $169,591,600 | 3,415 |
| Average earning assets | $154,455,000 | 3,425 |
| Average equity | $18,389,400 | 3,356 |
| Average total loans | $141,035,600 | 2,677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0902% | 147 |
| Cost of funding earning assets | 0.4398% | 4,380 |
| Net interest margin | 5.6504% | 111 |
| Noninterest income to average assets | 0.6912% | 2,655 |
| Noninterest expense to average assets | 4.0010% | 858 |
| Loan and lease loss provision to assets | 0.2286% | 1,583 |
| Net operating income to assets | 1.0767% | 2,094 |
| Return on assets (ROA) | 1.0941% | 2,107 |
| Pretax return on assets | 1.6243% | 1,283 |
| Return on Equity (ROE) | 10.1516% | 2,124 |
| Retained earnings to average equity (ytd only) | 2.7547% | 4,673 |
| Net charge-offs to loans | 0.5936% | 1,054 |
| Credit loss provision to net charge-offs | 46.4856% | 3,587 |
| Earnings coverage of net charge-offs (x) | 3.7156% | 3,625 |
| Efficiency ratio | 68.6523% | 3,966 |
| Assets per employee ($millions) | 2.9219% | 5,977 |
| Cash dividends to net income (ytd only)* | 72.8642% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 3,421 |
| Loan loss allowance to noncurrent loans | 50.1877% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.8105% | 1,324 |
| Noncurrent loans to loans | 3.0055% | 1,338 |
| Net loans and leases to total assets | 82.4140% | 336 |
| Net loans and leases to deposits | 101.7974% | 395 |
| Net loans and leases to core deposits | 108.7402% | 635 |
| Total domestic deposits to total assets | 80.9589% | 5,223 |
| Equity capital to assets | 10.8627% | 2,902 |
| Core capital (leverage) ratio | 10.6017% | 2,888 |
| Tier 1 risk-based capital ratio | 14.1074% | 4,348 |
| Total risk-based capital ratio | 15.3627% | 4,295 |
| Memoranda: | ||
| Average total assets | $169,753,250 | 3,452 |
| Average earning assets | $154,320,750 | 3,465 |
| Average equity | $18,295,500 | 3,405 |
| Average total loans | $140,613,750 | 2,700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1390% | 145 |
| Cost of funding earning assets | 0.4468% | 4,463 |
| Net interest margin | 5.6921% | 107 |
| Noninterest income to average assets | 0.6889% | 2,693 |
| Noninterest expense to average assets | 3.9553% | 913 |
| Loan and lease loss provision to assets | 0.0082% | 4,691 |
| Net operating income to assets | 1.2657% | 1,416 |
| Return on assets (ROA) | 1.2917% | 1,438 |
| Pretax return on assets | 1.9241% | 709 |
| Return on Equity (ROE) | 12.0169% | 1,486 |
| Retained earnings to average equity (ytd only) | 2.7057% | 4,590 |
| Net charge-offs to loans | 0.3380% | 1,835 |
| Credit loss provision to net charge-offs | 2.9536% | 3,975 |
| Earnings coverage of net charge-offs (x) | 6.7848% | 2,655 |
| Efficiency ratio | 67.6263% | 4,245 |
| Assets per employee ($millions) | 2.9740% | 5,893 |
| Cash dividends to net income (ytd only)* | 77.4840% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,134 |
| Loan loss allowance to noncurrent loans | 49.7342% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 2.8906% | 1,417 |
| Noncurrent loans to loans | 3.2302% | 1,360 |
| Net loans and leases to total assets | 81.1127% | 427 |
| Net loans and leases to deposits | 100.6095% | 391 |
| Net loans and leases to core deposits | 107.5429% | 658 |
| Total domestic deposits to total assets | 80.6213% | 5,447 |
| Equity capital to assets | 10.7860% | 2,959 |
| Core capital (leverage) ratio | 10.5702% | 2,801 |
| Tier 1 risk-based capital ratio | 13.9320% | 4,467 |
| Total risk-based capital ratio | 15.1879% | 4,426 |
| Memoranda: | ||
| Average total assets | $169,847,670 | 3,462 |
| Average earning assets | $153,967,330 | 3,490 |
| Average equity | $18,257,670 | 3,431 |
| Average total loans | $140,216,330 | 2,714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1260% | 137 |
| Cost of funding earning assets | 0.4507% | 4,587 |
| Net interest margin | 5.6752% | 104 |
| Noninterest income to average assets | 0.6964% | 2,608 |
| Noninterest expense to average assets | 3.9009% | 997 |
| Loan and lease loss provision to assets | 0.0141% | 4,276 |
| Net operating income to assets | 1.3011% | 1,272 |
| Return on assets (ROA) | 1.3011% | 1,372 |
| Pretax return on assets | 1.9363% | 683 |
| Return on Equity (ROE) | 12.1242% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.4507% | 3,565 |
| Net charge-offs to loans | 0.2734% | 1,863 |
| Credit loss provision to net charge-offs | 6.2500% | 3,181 |
| Earnings coverage of net charge-offs (x) | 8.6354% | 1,926 |
| Efficiency ratio | 66.6667% | 4,542 |
| Assets per employee ($millions) | 2.9420% | 6,087 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,978 |
| Loan loss allowance to noncurrent loans | 49.7289% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.0368% | 1,470 |
| Noncurrent loans to loans | 3.4325% | 1,402 |
| Net loans and leases to total assets | 80.4850% | 385 |
| Net loans and leases to deposits | 99.9316% | 357 |
| Net loans and leases to core deposits | 106.5230% | 624 |
| Total domestic deposits to total assets | 80.5401% | 5,616 |
| Equity capital to assets | 10.7473% | 3,267 |
| Core capital (leverage) ratio | 10.4897% | 2,791 |
| Tier 1 risk-based capital ratio | 13.9475% | 4,545 |
| Total risk-based capital ratio | 15.2055% | 4,500 |
| Memoranda: | ||
| Average total assets | $170,013,500 | 3,490 |
| Average earning assets | $154,425,000 | 3,524 |
| Average equity | $18,244,500 | 3,491 |
| Average total loans | $140,452,500 | 2,719 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 231 |
| Cost of funding earning assets | 0.7176% | 3,347 |
| Net interest margin | 5.3879% | 201 |
| Noninterest income to average assets | 0.6536% | 2,970 |
| Noninterest expense to average assets | 3.3463% | 2,197 |
| Loan and lease loss provision to assets | 0.2772% | 2,434 |
| Net operating income to assets | 1.3697% | 1,154 |
| Return on assets (ROA) | 1.3697% | 1,278 |
| Pretax return on assets | 1.9636% | 647 |
| Return on Equity (ROE) | 12.8833% | 1,259 |
| Retained earnings to average equity (ytd only) | 2.6188% | 4,389 |
| Net charge-offs to loans | 0.3074% | 3,109 |
| Credit loss provision to net charge-offs | 110.8491% | 2,634 |
| Earnings coverage of net charge-offs (x) | 8.9599% | 2,328 |
| Efficiency ratio | 59.8923% | 5,559 |
| Assets per employee ($millions) | 2.8710% | 6,209 |
| Cash dividends to net income (ytd only)* | 79.6727% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 2,749 |
| Loan loss allowance to noncurrent loans | 48.6248% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.2812% | 1,406 |
| Noncurrent loans to loans | 3.6053% | 1,366 |
| Net loans and leases to total assets | 81.8867% | 332 |
| Net loans and leases to deposits | 103.6697% | 273 |
| Net loans and leases to core deposits | 110.4725% | 529 |
| Total domestic deposits to total assets | 78.9880% | 5,894 |
| Equity capital to assets | 10.7150% | 3,262 |
| Core capital (leverage) ratio | 10.2062% | 3,128 |
| Tier 1 risk-based capital ratio | 13.3714% | 4,838 |
| Total risk-based capital ratio | 14.6186% | 4,798 |
| Memoranda: | ||
| Average total assets | $169,531,600 | 3,463 |
| Average earning assets | $155,236,200 | 3,463 |
| Average equity | $18,023,400 | 3,461 |
| Average total loans | $137,931,800 | 2,740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0563% | 267 |
| Cost of funding earning assets | 0.7820% | 3,093 |
| Net interest margin | 5.2743% | 256 |
| Noninterest income to average assets | 0.6746% | 2,854 |
| Noninterest expense to average assets | 3.3473% | 2,141 |
| Loan and lease loss provision to assets | 0.3240% | 2,027 |
| Net operating income to assets | 1.2400% | 1,604 |
| Return on assets (ROA) | 1.2400% | 1,774 |
| Pretax return on assets | 1.8454% | 963 |
| Return on Equity (ROE) | 11.6865% | 1,739 |
| Retained earnings to average equity (ytd only) | 3.5348% | 4,389 |
| Net charge-offs to loans | 0.3209% | 2,842 |
| Credit loss provision to net charge-offs | 124.8485% | 2,317 |
| Earnings coverage of net charge-offs (x) | 8.3606% | 2,459 |
| Efficiency ratio | 60.6756% | 5,383 |
| Assets per employee ($millions) | 3.2489% | 5,536 |
| Cash dividends to net income (ytd only)* | 69.7528% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,807 |
| Loan loss allowance to noncurrent loans | 58.9852% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.7178% | 1,944 |
| Noncurrent loans to loans | 3.0476% | 1,826 |
| Net loans and leases to total assets | 78.1879% | 711 |
| Net loans and leases to deposits | 98.9883% | 494 |
| Net loans and leases to core deposits | 106.9042% | 694 |
| Total domestic deposits to total assets | 78.9870% | 5,869 |
| Equity capital to assets | 10.3580% | 4,005 |
| Core capital (leverage) ratio | 10.5694% | 2,835 |
| Tier 1 risk-based capital ratio | 13.9604% | 4,558 |
| Total risk-based capital ratio | 15.2195% | 4,498 |
| Memoranda: | ||
| Average total assets | $169,567,250 | 3,495 |
| Average earning assets | $155,669,250 | 3,492 |
| Average equity | $17,991,750 | 3,506 |
| Average total loans | $137,119,250 | 2,789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 258 |
| Cost of funding earning assets | 0.8184% | 3,048 |
| Net interest margin | 5.2818% | 250 |
| Noninterest income to average assets | 0.6849% | 2,749 |
| Noninterest expense to average assets | 3.3196% | 2,254 |
| Loan and lease loss provision to assets | 0.3079% | 2,147 |
| Net operating income to assets | 1.2887% | 1,468 |
| Return on assets (ROA) | 1.2887% | 1,623 |
| Pretax return on assets | 1.9092% | 830 |
| Return on Equity (ROE) | 12.0457% | 1,653 |
| Retained earnings to average equity (ytd only) | 4.6287% | 3,532 |
| Net charge-offs to loans | 0.3625% | 2,560 |
| Credit loss provision to net charge-offs | 104.4534% | 2,608 |
| Earnings coverage of net charge-offs (x) | 7.5223% | 2,463 |
| Efficiency ratio | 59.9569% | 5,583 |
| Assets per employee ($millions) | 3.1253% | 5,790 |
| Cash dividends to net income (ytd only)* | 61.5741% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 2,947 |
| Loan loss allowance to noncurrent loans | 58.2200% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.8175% | 1,955 |
| Noncurrent loans to loans | 3.0439% | 1,934 |
| Net loans and leases to total assets | 80.1366% | 493 |
| Net loans and leases to deposits | 98.3085% | 510 |
| Net loans and leases to core deposits | 103.6781% | 883 |
| Total domestic deposits to total assets | 81.5155% | 5,290 |
| Equity capital to assets | 10.7236% | 3,428 |
| Core capital (leverage) ratio | 10.5569% | 2,750 |
| Tier 1 risk-based capital ratio | 14.1034% | 4,367 |
| Total risk-based capital ratio | 15.3622% | 4,326 |
| Memoranda: | ||
| Average total assets | $167,610,000 | 3,540 |
| Average earning assets | $153,963,330 | 3,538 |
| Average equity | $17,931,670 | 3,508 |
| Average total loans | $136,264,670 | 2,808 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1224% | 256 |
| Cost of funding earning assets | 0.8368% | 3,174 |
| Net interest margin | 5.2856% | 259 |
| Noninterest income to average assets | 0.7376% | 2,458 |
| Noninterest expense to average assets | 3.3527% | 2,138 |
| Loan and lease loss provision to assets | 0.1581% | 3,403 |
| Net operating income to assets | 1.4081% | 1,211 |
| Return on assets (ROA) | 1.4081% | 1,357 |
| Pretax return on assets | 2.0978% | 637 |
| Return on Equity (ROE) | 13.1776% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.5749% | 2,141 |
| Net charge-offs to loans | 0.2007% | 2,916 |
| Credit loss provision to net charge-offs | 97.0588% | 2,423 |
| Earnings coverage of net charge-offs (x) | 13.8529% | 1,507 |
| Efficiency ratio | 59.7780% | 5,650 |
| Assets per employee ($millions) | 3.3244% | 5,505 |
| Cash dividends to net income (ytd only)* | 42.5170% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 3,021 |
| Loan loss allowance to noncurrent loans | 57.6348% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.8536% | 2,047 |
| Noncurrent loans to loans | 3.1102% | 2,061 |
| Net loans and leases to total assets | 78.4267% | 545 |
| Net loans and leases to deposits | 95.0926% | 592 |
| Net loans and leases to core deposits | 101.1602% | 913 |
| Total domestic deposits to total assets | 82.4741% | 5,135 |
| Equity capital to assets | 10.6286% | 3,350 |
| Core capital (leverage) ratio | 10.4821% | 2,773 |
| Tier 1 risk-based capital ratio | 14.2230% | 4,295 |
| Total risk-based capital ratio | 15.4819% | 4,263 |
| Memoranda: | ||
| Average total assets | $167,031,000 | 3,568 |
| Average earning assets | $153,926,500 | 3,551 |
| Average equity | $17,848,500 | 3,525 |
| Average total loans | $135,554,500 | 2,845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9713% | 450 |
| Cost of funding earning assets | 0.9310% | 3,866 |
| Net interest margin | 5.0402% | 378 |
| Noninterest income to average assets | 0.5827% | 3,276 |
| Noninterest expense to average assets | 3.1971% | 2,877 |
| Loan and lease loss provision to assets | 0.6360% | 1,606 |
| Net operating income to assets | 0.9536% | 2,397 |
| Return on assets (ROA) | 0.9584% | 2,502 |
| Pretax return on assets | 1.4305% | 1,682 |
| Return on Equity (ROE) | 9.5503% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.5503% | 661 |
| Net charge-offs to loans | 0.7307% | 2,327 |
| Credit loss provision to net charge-offs | 108.9139% | 3,090 |
| Earnings coverage of net charge-offs (x) | 3.5266% | 3,483 |
| Efficiency ratio | 60.8240% | 5,631 |
| Assets per employee ($millions) | 3.1638% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 2,903 |
| Loan loss allowance to noncurrent loans | 60.2281% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 3.1170% | 1,914 |
| Noncurrent loans to loans | 2.9717% | 2,183 |
| Net loans and leases to total assets | 81.0156% | 408 |
| Net loans and leases to deposits | 99.4998% | 482 |
| Net loans and leases to core deposits | 104.2625% | 887 |
| Total domestic deposits to total assets | 81.4228% | 5,318 |
| Equity capital to assets | 10.7447% | 3,256 |
| Core capital (leverage) ratio | 10.2376% | 3,047 |
| Tier 1 risk-based capital ratio | 13.8959% | 4,398 |
| Total risk-based capital ratio | 15.1549% | 4,351 |
| Memoranda: | ||
| Average total assets | $167,149,600 | 3,533 |
| Average earning assets | $154,992,400 | 3,491 |
| Average equity | $16,774,400 | 3,612 |
| Average total loans | $133,566,000 | 2,931 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9025% | 558 |
| Cost of funding earning assets | 0.9389% | 4,125 |
| Net interest margin | 4.9637% | 446 |
| Noninterest income to average assets | 0.5729% | 3,360 |
| Noninterest expense to average assets | 3.2354% | 2,716 |
| Loan and lease loss provision to assets | 0.7445% | 1,280 |
| Net operating income to assets | 0.8190% | 3,064 |
| Return on assets (ROA) | 0.8255% | 3,207 |
| Pretax return on assets | 1.2149% | 2,578 |
| Return on Equity (ROE) | 8.3710% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.3710% | 1,364 |
| Net charge-offs to loans | 0.8569% | 1,854 |
| Credit loss provision to net charge-offs | 109.5906% | 3,015 |
| Earnings coverage of net charge-offs (x) | 2.8702% | 3,707 |
| Efficiency ratio | 62.3966% | 5,352 |
| Assets per employee ($millions) | 3.2900% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 3,000 |
| Loan loss allowance to noncurrent loans | 79.5537% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 2.5383% | 2,535 |
| Noncurrent loans to loans | 2.2434% | 3,059 |
| Net loans and leases to total assets | 79.5008% | 560 |
| Net loans and leases to deposits | 97.6902% | 592 |
| Net loans and leases to core deposits | 103.6464% | 1,000 |
| Total domestic deposits to total assets | 81.3805% | 5,300 |
| Equity capital to assets | 10.2091% | 4,069 |
| Core capital (leverage) ratio | 9.8703% | 3,617 |
| Tier 1 risk-based capital ratio | 13.4201% | 4,791 |
| Total risk-based capital ratio | 14.6788% | 4,761 |
| Memoranda: | ||
| Average total assets | $167,807,250 | 3,553 |
| Average earning assets | $155,929,500 | 3,505 |
| Average equity | $16,548,750 | 3,651 |
| Average total loans | $133,028,750 | 2,955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 637 |
| Cost of funding earning assets | 0.9525% | 4,297 |
| Net interest margin | 4.9084% | 482 |
| Noninterest income to average assets | 0.6066% | 3,087 |
| Noninterest expense to average assets | 3.2906% | 2,600 |
| Loan and lease loss provision to assets | 0.8724% | 1,028 |
| Net operating income to assets | 0.6924% | 3,577 |
| Return on assets (ROA) | 0.6924% | 3,696 |
| Pretax return on assets | 1.0130% | 3,195 |
| Return on Equity (ROE) | 7.1049% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.1049% | 1,828 |
| Net charge-offs to loans | 1.1522% | 1,356 |
| Credit loss provision to net charge-offs | 96.1892% | 3,267 |
| Earnings coverage of net charge-offs (x) | 2.0788% | 3,816 |
| Efficiency ratio | 63.5736% | 5,325 |
| Assets per employee ($millions) | 3.1797% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 3,143 |
| Loan loss allowance to noncurrent loans | 129.9438% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 3,431 |
| Noncurrent loans to loans | 1.3485% | 4,403 |
| Net loans and leases to total assets | 79.9715% | 536 |
| Net loans and leases to deposits | 94.8364% | 817 |
| Net loans and leases to core deposits | 101.4313% | 1,217 |
| Total domestic deposits to total assets | 84.3257% | 4,208 |
| Equity capital to assets | 10.2760% | 3,786 |
| Core capital (leverage) ratio | 9.6420% | 3,746 |
| Tier 1 risk-based capital ratio | 13.4349% | 4,578 |
| Total risk-based capital ratio | 14.6933% | 4,559 |
| Memoranda: | ||
| Average total assets | $167,812,330 | 3,574 |
| Average earning assets | $156,222,670 | 3,521 |
| Average equity | $16,355,000 | 3,672 |
| Average total loans | $132,098,330 | 3,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7030% | 877 |
| Cost of funding earning assets | 0.9417% | 4,632 |
| Net interest margin | 4.7613% | 619 |
| Noninterest income to average assets | 0.6165% | 3,059 |
| Noninterest expense to average assets | 3.2326% | 2,765 |
| Loan and lease loss provision to assets | 0.8345% | 999 |
| Net operating income to assets | 0.6798% | 3,610 |
| Return on assets (ROA) | 0.6798% | 3,677 |
| Pretax return on assets | 0.9939% | 3,153 |
| Return on Equity (ROE) | 7.1603% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.1603% | 2,079 |
| Net charge-offs to loans | 0.7355% | 1,747 |
| Credit loss provision to net charge-offs | 146.5021% | 1,936 |
| Earnings coverage of net charge-offs (x) | 3.2099% | 2,817 |
| Efficiency ratio | 63.8722% | 5,382 |
| Assets per employee ($millions) | 3.5286% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,784 |
| Loan loss allowance to noncurrent loans | 97.1892% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.5734% | 3,888 |
| Noncurrent loans to loans | 1.9258% | 3,665 |
| Net loans and leases to total assets | 72.9551% | 1,523 |
| Net loans and leases to deposits | 85.8442% | 1,759 |
| Net loans and leases to core deposits | 91.9235% | 2,138 |
| Total domestic deposits to total assets | 84.9855% | 4,037 |
| Equity capital to assets | 9.2717% | 4,777 |
| Core capital (leverage) ratio | 9.5365% | 3,750 |
| Tier 1 risk-based capital ratio | 13.0621% | 4,780 |
| Total risk-based capital ratio | 14.3215% | 4,753 |
| Memoranda: | ||
| Average total assets | $170,636,500 | 3,546 |
| Average earning assets | $159,284,500 | 3,482 |
| Average equity | $16,200,500 | 3,692 |
| Average total loans | $132,148,500 | 3,032 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 618 |
| Cost of funding earning assets | 1.1679% | 4,750 |
| Net interest margin | 4.9936% | 436 |
| Noninterest income to average assets | 0.7321% | 2,635 |
| Noninterest expense to average assets | 3.1487% | 3,277 |
| Loan and lease loss provision to assets | 0.4963% | 3,176 |
| Net operating income to assets | 1.1758% | 1,471 |
| Return on assets (ROA) | 1.2277% | 1,425 |
| Pretax return on assets | 1.8071% | 748 |
| Return on Equity (ROE) | 13.1229% | 1,060 |
| Retained earnings to average equity (ytd only) | 11.4118% | 340 |
| Net charge-offs to loans | 0.3141% | 4,451 |
| Credit loss provision to net charge-offs | 197.0660% | 1,608 |
| Earnings coverage of net charge-offs (x) | 8.8435% | 1,916 |
| Efficiency ratio | 58.5729% | 6,268 |
| Assets per employee ($millions) | 3.2969% | 5,435 |
| Cash dividends to net income (ytd only)* | 13.0391% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 2,994 |
| Loan loss allowance to noncurrent loans | 87.9459% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7635% | 3,664 |
| Noncurrent loans to loans | 2.0003% | 3,566 |
| Net loans and leases to total assets | 79.3393% | 750 |
| Net loans and leases to deposits | 96.1754% | 855 |
| Net loans and leases to core deposits | 108.0519% | 1,043 |
| Total domestic deposits to total assets | 82.4944% | 5,024 |
| Equity capital to assets | 9.7322% | 4,076 |
| Core capital (leverage) ratio | 9.5661% | 3,612 |
| Tier 1 risk-based capital ratio | 12.7101% | 4,855 |
| Total risk-based capital ratio | 13.9681% | 4,820 |
| Memoranda: | ||
| Average total assets | $162,415,800 | 3,653 |
| Average earning assets | $151,034,200 | 3,621 |
| Average equity | $15,194,800 | 3,906 |
| Average total loans | $130,230,600 | 3,118 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1526% | 674 |
| Cost of funding earning assets | 1.2170% | 4,761 |
| Net interest margin | 4.9355% | 515 |
| Noninterest income to average assets | 0.7268% | 2,665 |
| Noninterest expense to average assets | 3.1971% | 2,940 |
| Loan and lease loss provision to assets | 0.5315% | 2,810 |
| Net operating income to assets | 1.0753% | 1,986 |
| Return on assets (ROA) | 1.0753% | 2,095 |
| Pretax return on assets | 1.5862% | 1,377 |
| Return on Equity (ROE) | 11.6131% | 1,616 |
| Retained earnings to average equity (ytd only) | 10.5452% | 677 |
| Net charge-offs to loans | 0.3078% | 4,118 |
| Credit loss provision to net charge-offs | 215.7191% | 1,614 |
| Earnings coverage of net charge-offs (x) | 8.5952% | 2,140 |
| Efficiency ratio | 60.1550% | 5,925 |
| Assets per employee ($millions) | 3.3236% | 5,395 |
| Cash dividends to net income (ytd only)* | 9.1956% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,058 |
| Loan loss allowance to noncurrent loans | 82.2917% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.8630% | 3,658 |
| Noncurrent loans to loans | 2.1038% | 3,565 |
| Net loans and leases to total assets | 79.8489% | 778 |
| Net loans and leases to deposits | 98.7126% | 745 |
| Net loans and leases to core deposits | 107.7714% | 1,182 |
| Total domestic deposits to total assets | 80.8904% | 5,417 |
| Equity capital to assets | 9.5932% | 4,709 |
| Core capital (leverage) ratio | 9.1745% | 4,415 |
| Tier 1 risk-based capital ratio | 12.3543% | 5,114 |
| Total risk-based capital ratio | 13.6121% | 5,083 |
| Memoranda: | ||
| Average total assets | $161,808,750 | 3,721 |
| Average earning assets | $150,416,250 | 3,674 |
| Average equity | $14,982,750 | 3,987 |
| Average total loans | $129,506,250 | 3,177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1533% | 685 |
| Cost of funding earning assets | 1.2512% | 4,818 |
| Net interest margin | 4.9021% | 535 |
| Noninterest income to average assets | 0.7420% | 2,444 |
| Noninterest expense to average assets | 3.2231% | 2,824 |
| Loan and lease loss provision to assets | 0.6169% | 2,318 |
| Net operating income to assets | 0.9934% | 2,228 |
| Return on assets (ROA) | 0.9934% | 2,303 |
| Pretax return on assets | 1.4493% | 1,699 |
| Return on Equity (ROE) | 10.8603% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.8603% | 681 |
| Net charge-offs to loans | 0.2411% | 4,156 |
| Credit loss provision to net charge-offs | 321.2903% | 1,141 |
| Earnings coverage of net charge-offs (x) | 10.7613% | 1,847 |
| Efficiency ratio | 60.9368% | 5,870 |
| Assets per employee ($millions) | 3.3939% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,893 |
| Loan loss allowance to noncurrent loans | 82.1544% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 3,629 |
| Noncurrent loans to loans | 2.1332% | 3,549 |
| Net loans and leases to total assets | 78.7373% | 1,004 |
| Net loans and leases to deposits | 94.7277% | 1,185 |
| Net loans and leases to core deposits | 106.7682% | 1,383 |
| Total domestic deposits to total assets | 83.1196% | 4,518 |
| Equity capital to assets | 9.3128% | 4,986 |
| Core capital (leverage) ratio | 9.0443% | 4,535 |
| Tier 1 risk-based capital ratio | 12.1859% | 5,142 |
| Total risk-based capital ratio | 13.4440% | 5,109 |
| Memoranda: | ||
| Average total assets | $161,460,000 | 3,755 |
| Average earning assets | $149,772,670 | 3,710 |
| Average equity | $14,769,330 | 4,037 |
| Average total loans | $128,565,330 | 3,225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1665% | 686 |
| Cost of funding earning assets | 1.2757% | 4,957 |
| Net interest margin | 4.8908% | 529 |
| Noninterest income to average assets | 0.7914% | 2,066 |
| Noninterest expense to average assets | 3.0932% | 3,291 |
| Loan and lease loss provision to assets | 0.9357% | 1,348 |
| Net operating income to assets | 0.8809% | 2,631 |
| Return on assets (ROA) | 0.8809% | 2,707 |
| Pretax return on assets | 1.2940% | 2,063 |
| Return on Equity (ROE) | 9.7196% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.7196% | 1,207 |
| Net charge-offs to loans | 0.1725% | 3,890 |
| Credit loss provision to net charge-offs | 683.6364% | 648 |
| Earnings coverage of net charge-offs (x) | 16.2909% | 1,335 |
| Efficiency ratio | 58.1113% | 6,473 |
| Assets per employee ($millions) | 3.3663% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,853 |
| Loan loss allowance to noncurrent loans | 112.2894% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 4,405 |
| Noncurrent loans to loans | 1.5700% | 4,390 |
| Net loans and leases to total assets | 76.5500% | 1,426 |
| Net loans and leases to deposits | 92.3681% | 1,559 |
| Net loans and leases to core deposits | 101.6896% | 1,953 |
| Total domestic deposits to total assets | 82.8749% | 4,690 |
| Equity capital to assets | 8.9439% | 5,360 |
| Core capital (leverage) ratio | 9.0501% | 4,474 |
| Tier 1 risk-based capital ratio | 11.9051% | 5,298 |
| Total risk-based capital ratio | 13.1631% | 5,241 |
| Memoranda: | ||
| Average total assets | $160,737,500 | 3,829 |
| Average earning assets | $148,933,000 | 3,775 |
| Average equity | $14,568,500 | 4,106 |
| Average total loans | $127,570,500 | 3,317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4607% | 725 |
| Cost of funding earning assets | 1.9257% | 3,329 |
| Net interest margin | 4.5350% | 1,108 |
| Noninterest income to average assets | 0.7352% | 2,762 |
| Noninterest expense to average assets | 3.0759% | 3,849 |
| Loan and lease loss provision to assets | 0.8098% | 2,703 |
| Net operating income to assets | 0.7369% | 2,784 |
| Return on assets (ROA) | 0.7950% | 2,640 |
| Pretax return on assets | 1.1729% | 2,027 |
| Return on Equity (ROE) | 8.9077% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.5890% | 1,128 |
| Net charge-offs to loans | 0.7776% | 2,878 |
| Credit loss provision to net charge-offs | 130.4348% | 3,907 |
| Earnings coverage of net charge-offs (x) | 3.0559% | 3,544 |
| Efficiency ratio | 61.8506% | 6,180 |
| Assets per employee ($millions) | 3.1944% | 5,735 |
| Cash dividends to net income (ytd only)* | 26.0307% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,544 |
| Loan loss allowance to noncurrent loans | 119.4717% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 4,558 |
| Noncurrent loans to loans | 1.2859% | 4,780 |
| Net loans and leases to total assets | 79.6427% | 1,055 |
| Net loans and leases to deposits | 94.3758% | 1,552 |
| Net loans and leases to core deposits | 113.1678% | 2,578 |
| Total domestic deposits to total assets | 84.3890% | 3,849 |
| Equity capital to assets | 9.1896% | 4,860 |
| Core capital (leverage) ratio | 8.9980% | 4,424 |
| Tier 1 risk-based capital ratio | 11.8983% | 5,027 |
| Total risk-based capital ratio | 13.1533% | 4,985 |
| Memoranda: | ||
| Average total assets | $155,598,800 | 3,869 |
| Average earning assets | $145,401,600 | 3,788 |
| Average equity | $13,886,800 | 4,285 |
| Average total loans | $124,222,200 | 3,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4186% | 894 |
| Cost of funding earning assets | 2.0064% | 3,329 |
| Net interest margin | 4.4122% | 1,414 |
| Noninterest income to average assets | 0.7363% | 2,787 |
| Noninterest expense to average assets | 3.2284% | 3,203 |
| Loan and lease loss provision to assets | 0.6093% | 2,950 |
| Net operating income to assets | 0.7119% | 3,162 |
| Return on assets (ROA) | 0.7895% | 2,922 |
| Pretax return on assets | 1.1568% | 2,391 |
| Return on Equity (ROE) | 8.9129% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.7837% | 2,055 |
| Net charge-offs to loans | 0.3333% | 3,966 |
| Credit loss provision to net charge-offs | 229.7735% | 1,898 |
| Earnings coverage of net charge-offs (x) | 6.2298% | 2,641 |
| Efficiency ratio | 66.1509% | 5,334 |
| Assets per employee ($millions) | 3.1338% | 5,824 |
| Cash dividends to net income (ytd only)* | 35.1089% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,932 |
| Loan loss allowance to noncurrent loans | 81.0747% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.9184% | 3,470 |
| Noncurrent loans to loans | 1.9947% | 3,652 |
| Net loans and leases to total assets | 79.6697% | 1,239 |
| Net loans and leases to deposits | 93.9351% | 1,889 |
| Net loans and leases to core deposits | 111.9575% | 3,029 |
| Total domestic deposits to total assets | 84.8135% | 3,320 |
| Equity capital to assets | 8.9749% | 5,520 |
| Core capital (leverage) ratio | 8.6844% | 5,158 |
| Tier 1 risk-based capital ratio | 11.6164% | 5,322 |
| Total risk-based capital ratio | 12.8731% | 5,255 |
| Memoranda: | ||
| Average total assets | $155,367,500 | 3,888 |
| Average earning assets | $145,926,000 | 3,796 |
| Average equity | $13,762,500 | 4,346 |
| Average total loans | $123,626,500 | 3,431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4333% | 932 |
| Cost of funding earning assets | 2.0919% | 3,309 |
| Net interest margin | 4.3414% | 1,547 |
| Noninterest income to average assets | 0.7436% | 2,735 |
| Noninterest expense to average assets | 3.0905% | 3,736 |
| Loan and lease loss provision to assets | 0.5486% | 2,827 |
| Net operating income to assets | 0.8054% | 2,834 |
| Return on assets (ROA) | 0.9204% | 2,473 |
| Pretax return on assets | 1.3645% | 1,817 |
| Return on Equity (ROE) | 10.4375% | 1,871 |
| Retained earnings to average equity (ytd only) | 7.9928% | 1,207 |
| Net charge-offs to loans | 0.3933% | 3,236 |
| Credit loss provision to net charge-offs | 176.3485% | 2,597 |
| Earnings coverage of net charge-offs (x) | 5.5975% | 2,801 |
| Efficiency ratio | 63.9594% | 5,923 |
| Assets per employee ($millions) | 3.1675% | 5,672 |
| Cash dividends to net income (ytd only)* | 23.4222% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,432 |
| Loan loss allowance to noncurrent loans | 63.5388% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 3,419 |
| Noncurrent loans to loans | 2.2915% | 3,148 |
| Net loans and leases to total assets | 78.4183% | 1,654 |
| Net loans and leases to deposits | 92.6089% | 2,344 |
| Net loans and leases to core deposits | 113.1154% | 3,007 |
| Total domestic deposits to total assets | 84.6769% | 3,403 |
| Equity capital to assets | 8.7697% | 5,641 |
| Core capital (leverage) ratio | 8.8247% | 4,903 |
| Tier 1 risk-based capital ratio | 11.5262% | 5,352 |
| Total risk-based capital ratio | 12.7805% | 5,279 |
| Memoranda: | ||
| Average total assets | $154,926,000 | 3,927 |
| Average earning assets | $145,897,000 | 3,824 |
| Average equity | $13,662,330 | 4,380 |
| Average total loans | $122,539,330 | 3,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5727% | 752 |
| Cost of funding earning assets | 2.2520% | 2,911 |
| Net interest margin | 4.3207% | 1,543 |
| Noninterest income to average assets | 0.7206% | 2,762 |
| Noninterest expense to average assets | 3.0966% | 3,390 |
| Loan and lease loss provision to assets | 0.4569% | 2,641 |
| Net operating income to assets | 0.8195% | 3,048 |
| Return on assets (ROA) | 1.0522% | 2,258 |
| Pretax return on assets | 1.5770% | 1,468 |
| Return on Equity (ROE) | 11.8976% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.3253% | 1,691 |
| Net charge-offs to loans | 0.4106% | 2,458 |
| Credit loss provision to net charge-offs | 141.1290% | 2,894 |
| Earnings coverage of net charge-offs (x) | 5.2097% | 2,723 |
| Efficiency ratio | 64.7380% | 5,560 |
| Assets per employee ($millions) | 2.9509% | 6,281 |
| Cash dividends to net income (ytd only)* | 30.0248% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,447 |
| Loan loss allowance to noncurrent loans | 68.4909% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 3,377 |
| Noncurrent loans to loans | 2.0586% | 3,184 |
| Net loans and leases to total assets | 77.5567% | 1,918 |
| Net loans and leases to deposits | 90.2671% | 2,884 |
| Net loans and leases to core deposits | 104.7568% | 4,054 |
| Total domestic deposits to total assets | 85.9191% | 2,768 |
| Equity capital to assets | 8.9170% | 5,453 |
| Core capital (leverage) ratio | 8.6396% | 5,273 |
| Tier 1 risk-based capital ratio | 11.7006% | 5,203 |
| Total risk-based capital ratio | 12.9540% | 5,122 |
| Memoranda: | ||
| Average total assets | $153,201,500 | 3,957 |
| Average earning assets | $144,051,000 | 3,873 |
| Average equity | $13,549,000 | 4,434 |
| Average total loans | $120,794,000 | 3,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1138% | 892 |
| Cost of funding earning assets | 2.5826% | 3,778 |
| Net interest margin | 4.5312% | 1,347 |
| Noninterest income to average assets | 0.6761% | 3,286 |
| Noninterest expense to average assets | 3.0449% | 3,922 |
| Loan and lease loss provision to assets | 0.3505% | 3,591 |
| Net operating income to assets | 0.9908% | 2,597 |
| Return on assets (ROA) | 1.0504% | 2,244 |
| Pretax return on assets | 1.5864% | 1,428 |
| Return on Equity (ROE) | 12.8653% | 1,366 |
| Retained earnings to average equity (ytd only) | 8.3523% | 744 |
| Net charge-offs to loans | 0.3825% | 2,917 |
| Credit loss provision to net charge-offs | 116.5957% | 4,628 |
| Earnings coverage of net charge-offs (x) | 6.1426% | 3,430 |
| Efficiency ratio | 62.2466% | 5,904 |
| Assets per employee ($millions) | 2.9991% | 6,057 |
| Cash dividends to net income (ytd only)* | 35.0792% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 3,385 |
| Loan loss allowance to noncurrent loans | 82.4264% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 3,571 |
| Noncurrent loans to loans | 1.6571% | 3,284 |
| Net loans and leases to total assets | 77.9483% | 2,157 |
| Net loans and leases to deposits | 92.3144% | 3,080 |
| Net loans and leases to core deposits | 106.1382% | 4,183 |
| Total domestic deposits to total assets | 84.4378% | 3,110 |
| Equity capital to assets | 8.7706% | 5,704 |
| Core capital (leverage) ratio | 8.3070% | 5,934 |
| Tier 1 risk-based capital ratio | 11.3944% | 5,337 |
| Total risk-based capital ratio | 12.6471% | 5,238 |
| Memoranda: | ||
| Average total assets | $156,328,800 | 3,778 |
| Average earning assets | $145,435,400 | 3,731 |
| Average equity | $12,763,000 | 4,634 |
| Average total loans | $122,869,800 | 3,401 |